Lucky 13 Sweepstakes

Take out an Auto or Mortgage Loan between now and year end & you could win 1 month's payment!!!

Visit webpage for details - www.lafinancial.org  

Click here to apply for an Auto or Mortgage!

For sweepstakes rules, click here.

Discount Tickets to Sea World

Sea World San Diego has big things in store this summer. Be sure to get your discounted tickets from this link or the link on our website. Madagascar Live - Operation Vacation opened June 15th.

•Discounts on select ticket offers.
•Save time by printing your tickets at your convenience from your home or office.
•Unique benefits such as second visit free or unlimited visits on select ticket offers.

Click here for tickets.

Lucky 13 Mortgage Sweepstakes

With rates and terms like ours, you can’t lose!

All our home loans…NEW and Refinanced are eligible to win!!

• Rates as low as 2.87% APR*
• No Points, fees, closing costs or PMI on 10/1, 7/1 ARM or 5/1 ARM
• As high as 90% LTV  

Real estate prices are still at record lows. This is your chance to cash in on a triple "bargain" - super low interest rates, no additional costs (only on 10/1, 7/1 & 5/1 ARM products) and a chance to win one month’s payment. Or simply refinance your current home loan.

 Apply online or call 800.894.1200 to get more details.

 Please click here for current mortgage rates.

 For complete sweepstakes rules click here.

 Rates and terms effective July 15, 2013, and are subject to change or end without notice. Promotion is not available to refinance an existing LA Financial 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 $400,000 loan will have a monthly payment of $1,659.57 for the first 60 months, and then the rate and payment are subject to change.

Mortgage loan must fund July 15, 2013 – December 31, 2013 to be eligible to win.

Two (2) Mortgage winners: Each winner will win one monthly mortgage payment. Payment amount is dependent on the amount of eligible mortgage loan that has been financed – not to exceed $2,500.

Odds of winning depend on the total number of eligible entries received. All expenses relating to acceptance and use of any prize that are not explicitly listed herein as being awarded, including payment of taxes, are responsibility of the winner. Limit of one prize per person. No substitution, barter, transfer, or assignment of prize permitted. Mortgage winners will be selected on September 30, 2013 and December 31, 2013. Entries will remain eligible throughout the sweepstakes period so the earlier you fund the better your chances to win.

Lucky 13 Auto Sweepstakes

With auto rates and terms like ours, you can’t lose!

• New car rates as low as 1.90% APR*
• Used car rates as low as 2.40% APR
• 60-Month terms
• Up to 100% Financing

All our vehicle loans…NEW, USED and REFINANCES, are eligible to WIN!

  

Just apply online or call 800.894.1200 to get pre-approved today, so you can bargain with the power of “cash in hand.”

For complete sweepstakes rules click here.

* APR= Annual Percentage Rate. Based on 100% of purchase price plus tax and license on dealer purchase. 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 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. Based on 100% of purchase price for new cars; 100% of Kelley Blue Book retail price for used cars. At 1.90% APR, your monthly payments are just $17.50 per $1,000 borrowed for 60 months. Pre-owned vehicle loans — as low as 2.40% APR for model years 2008 through 2012 — with the same great terms. Monthly payments with this loan are just $17.72 per $1,000 borrowed for 60 months.

Auto loan must fund July 15, 2013 – December 31, 2013 to be eligible to win.

Six (6) Auto winners: Each winner will win one monthly payment. Payment amount is dependent on the amount of loan that has been financed.

Odds of winning depend on the total number of eligible entries received. All expenses relating to acceptance and use of any prize that are not explicitly listed herein as being awarded, including payment of taxes, are responsibility of the winner. Limit of one prize per person. No substitution, barter, transfer, or assignment of prize permitted. One winner will be selected on the last day of each month – July – December, 2013. Entries will remain eligible throughout the sweepstakes period so the earlier you fund the better your chances to win.

Smile anytimeDeposit is here!!!

Check Deposits are now as easy as taking a picture!

We are introducing our newest anytime product - anytimeDeposit. This service allows you to deposit a check to your LA Financial Account (checking, savings or money market) by using your cellular phone, smart phone, or other wallet device that is web enabled.

Access your account with anytimeMobile, select our new deposit function, endorse your check and take a picture of both the front and back sides of the check. Follow the prompts and send.

Once you enroll for anytimeBanking and anytimeMobile, anytimeDeposit will be a FREE* service to our members. Our anytimeDeposit upgrade will be available in Apple and Android stores starting in mid July!

* Your wireless carrier may assess fees for data, text messaging, or web services. Please consult your wireless plan provider for details.

Download the App Now!!!

iphone - Download App or search for "LA Financial" in the iPhone App Store

Android - Download App or search for "LA Financial" in the Android Market

Spread the Word - www.breakupwithmybank.com

How many of your friends and family are still customers at a BANK? Pull out your Credit Union member's terms and conditions and compare the fees. Spread the word about credit unions and show them why they should ... www.breakupwithmybank.com

LA Financial's latest commercial will be airing on KNBC and COZI-TV.

LA Financial's latest commercial will be airing on KNBC and COZI-TV.

Norwalk Grand Opening and Ribbon Cutting Ceremony was held May 23, 2013

A Grand Opening and Ribbon Cutting Ceremony was held May 23, 2013 at our newly relocated Norwalk Branch - 12125-A Imperial Highway. Those in attendance included...

LA Financial Credit Union
Board of Directors
Suzanna Ruiz
Gail LeGros

Supervisory Committee
Colleen Jiminez, Chairman
Janice Jones

Management Team
Carol Galizia, President/CEO
David Eberstein, Senior VP/CFO
Renee Amato, VP/CMO
Brian Griffith, VP/CIO
Tamie Levine, VP/Member Services
Rebecca Ferrandino, AVP/Business Development
Angie Leyva, Branch Manager

Registrar-Recorder/County Clerk
Dean C. Logan - Registrar-Recorder/County Clerk
Debbie Martin - Chief Deputy Registrar-Recorder/County Clerk
Efrain Escobedo - Executive Liaison, LA County Registrar Recorder/County Clerk

County of Los Angeles
Andrea Avila, Field Deputy, County of Los Angeles/Fourth District

Norwalk Branch Staff, other AVPs from LA Financial Credit Union and several members.

Thank you all for joining us for this celebration.

New GoBankingRates.com Article Exposes Why Big Banks Are Alienating Their Customers with Excessive Fees and Couldn’t Be Happier

The average consumer costs their bank more money than they add in revenue, finds personal finance site www.GoBankingRates.com in a new article exploring how big banks view their customers in terms of profitability.

EL SEGUNDO, CA (May 21, 2013) Since the Occupy Wall Street and Bank Transfer Day movements, customers of big banks have become increasingly vocal about their outrage over excessive bank fees. However, GoBankingRates finds in its latest feature that customers may be wasting their breath, as big banks are not interested in keeping their business.

To provide readers insight into why this is the case, managing editor for GoBankingRates, Casey Bond, states, “Considering lending out customers’ deposits is one of the major ways banks make money, one would assume that the more cash sitting in bank accounts, the better. The truth, however, is that most big banks have more money on deposit than they know what to do with.”

For instance, Bloomberg reported in December 2012 that deposits at U.S. banks exceeded loans by an “unprecedented” $2 trillion. In fact, deposits have increased by 29 percent since September 2008, while loans have experienced growth of less than 2 percent over the same time period.

Additionally, Bloomberg reported the banking industry was lending 78 cents for every $1 in deposits at of the end of last year, well below the mid-90 percent range the Royal Bank of Canada’s Gerard Cassidy states is ideal.

“Unless customers can offer their banks a substantial amount in investable assets, loans and deposits, they are largely unprofitable,” explains Ms. Bond.

Ron Sellers of Grey Matter Research & Consulting told GoBankingRates in a written statement, “Consumers don’t understand the finances of banking. They often say, ‘Well, you’re using my money, so you’re making money off me.’ What they don’t recognize is that servicing that account costs money.”

Those costs, says Sellers, include processing every transaction; producing and sending statements; and maintaining branches, ATMs and phone service centers. Plus, banks also have to keep a portion of deposits on reserve at all times.

“It’s important to remember that banks are, in fact, businesses, so their number one objective is to turn a profit,” Bond adds, further explaining in the feature that bank fees make up a much smaller percentage of overall bank industry revenue, and customers who were once the most profitable now cost banks more than they’re worth to keep.

In fact, Ms. Bond advises, “For the average person with a modest-sized bank account, a symbiotic relationship with a big bank is probably not possible. Even so, there are plenty of not-for-profit credit unions who would be happy to take the business of dissatisfied bank customers – and likely provide much better service.”

About GoBankingRates.com

GoBankingRates.com is a national website dedicated to connecting readers with the best interest rates on financial services nationwide, as well as informative personal finance content, news and tools. GoBankingRates.com collects interest rate information from more than 4,000 U.S. banks and credit unions, making it the only online rates aggregator with the ability to provide the most comprehensive and authentic local interest rate information.

Credit Union Auto Club

We are pleased to announce to you Credit Union Auto Club - created exclusively for credit union members, offering a wide range of roadside assistance services and other benefits at a significant savings compared to competing auto club plans...


•Emergency Roadside Assistance

•Emergency Ambulance Expense

•Emergency Tow and/or Extrication

•Emergency Travel Expense

•Emergency Lockout

•Traffic Court Defense

•Fuel Delivery Service

•Legal Fees Related to Traffic Accident

•Flat Tire Repair Reimbursement

https://www.creditunionautoclub.com/