Newsletter

• In this issue - Spring 2013 Newsletter*

Refi with Us – Lower your Mortgage Payments and we’ll Pay All Closing Costs.

Our new 5 Year Adjustable Rate Mortgage (ARM) includes:

• 2.875%¹ Rate
• NO Points
• NO Closing Costs
• NO Fees
• 90% Loan-to-Value
• NO PMI (Private Mortgage Insurance)

Enjoy the security of a rock bottom fixed rate for 5 years, the loan itself is amortized over 30 years. Your monthly mortgage payments are kept to a minimum.

Apply online today, visit a branch or give us a call at 800.894.1200.

¹ Rates and terms effective March 5, 2013, and are subject to change without notice. Promotion is not available to refinance an existing LA Financial Credit Union / Havasu Community Credit Union real estate loan. Loans are available for primary residences only and are subject to Credit Union loan policies. 5-Year ARM rate is fixed for 5 years, then converts to an adjustable rate subject to change by a maximum of 2.00% at the first rate change and a maximum of 2.00% annually thereafter. Lifetime cap is 6.00% over the start rate. A payment on a $400,000 loan amortized over 30 years at a fixed rate of 2.875% (2.875% APR) for the first 60 months is $1,659.57. This promotion (no closing costs, no fees, 90% LTV) is also available on our 7-Year ARM and 10-Year ARM.

Our Members Saved over $1.8 Million by Borrowing with Us. So Can You!

As a Credit Union we can provide significant savings to our members. Apply online and Start Saving Today. Our Vehicle Loans are as low as 1.90%² APR. This incredible rate is available on model years 2012 and 2013 with 6,000 miles or less. It’s also available with up to 60-month terms, and up to 100% financing. We also offer rates as low as 2.40%² APR on pre-owned vehicle loans for model year 2008 through 2012.

APR = Annual Percentage Rate.

² New Auto: As low as 1.90% APR for 60 months on autos, light trucks, and motorcycles includes 0.25% reduction for Automatic Payment and 0.25% reduction for Direct Deposit / Payroll Deduction. Monthly payments are just $17.49 per $1,000 borrowed for 60 months. New Autos are model years 2012 and 2013 with 6,000 miles or less. Based on 100% of purchase price plus tax and license on dealer purchase. Used Auto: As low as 2.40% APR for 60 months on autos, light trucks, and motorcycles includes 0.25% reduction for Automatic Payment and 0.25% reduction for Direct Deposit / Payroll Deduction. Monthly payments are just $17.71 per $1,000 borrowed for 60 months. Used Autos are model years 2008 through 2012 with up to 100,000 miles. We finance older model year autos at slightly higher rates. Based on 100% of Kelley Blue Book retail price for used cars.

Available on approved credit. Must qualify for loan under LA Financial Credit Union / Havasu Community Credit Union guidelines, including age and value of auto. Annual Percentage Rate (APR) may vary according to length of term, age of vehicle and your credit worthiness.

Based on 100% of purchase price plus tax and license on dealer purchase and 100% of Kelley Blue Book retail price for used cars. Private party purchase requires DMV paperwork and 100% retail Kelley Blue Book price. Available on approved credit. Must qualify for loan under LA Financial Credit Union/Havasu Community Credit Union guidelines, including age and value of auto. Annual Percentage Rate (APR) may vary according to length of term, age of vehicle and your credit worthiness. As low as 1.90% APR for 60 months on new autos, light trucks, and motorcycles includes 0.25% reduction for automatic payment and 0.25% reduction for Direct Deposit/Payroll Deduction.

LA Financial Credit Union/Havasu Community Credit Union is an Equal Opportunity Lender.

New President/CEO Named – Carol Galizia

We are pleased to announce the appointment of Carol Galizia to succeed Barbara Nall as our President / CEO. Barbara will be retiring as of April 2 after servicing LA Financial for 46 years, including the last 18 years as President / CEO. Carol will join the Credit Union on April 15.

California Notice

CUNA Mutual Group hereby provides you with notice regarding the pre-existing exclusion provision on open-end Credit Life and/or Disability Accounts as required annually by the California Insurance Department. This insurance may not cover an advance or charge under your credit line if your disability or death results from a condition for which you have seen a doctor or chiropractor in the six months before the advance of charge.

Credit Union Auto Club

We have a new member benefit…Credit Union Auto Club. CU Auto Club offers unparalleled service and value in roadside assistance. Sign up or receive more information at www.lovemycreditunion.org.

Changes in Account Terms

Revised Terms as of May 1, 2013.

Duplicate Tax Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5.00

Norwalk Branch is Moving

Our Norwalk Branch is now closed as we prepare to move to a new location at 12125-A1 Imperial Hwy., Norwalk, CA 90650, in the Target Shopping Center. Our new branch will open in early May of 2013.

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