may -june 2011 personal loans - home - latino community ... 2011 english.pdf• with our credit...

Personal LoansAvailable for what and when you need them

We offer you more convenience to do your transactionsHave you ever had any of these problems? • Youweren’tabletodeposityourcheckbecausethelinewastoolong?• Youdon’tknowhowmuchmoneyyouhaveinyouraccount?• Youdon’tknowifyourrentcheckhasbeencashed?• Yourcardisnotacceptedinthestoreforpurchases?

At the Latino Credit Union we have developed many services that can make your life easier and will help you avoid problems like the ones above. For example:• Didyouknowyoucandeposityourmoneyincashorcheckwith100%safetyinthe

CASHPOINTS ATMs?• OrthatyoucanactivatetheDirect Depositserviceforfreeandsavetimeinunnecessarylines

tocashyourpayrollcheck?• Inaddition,youcancheckthebalanceofyouraccountsandloansbyphone(1-866-873-5228),

internet (www.latinoccu.org)andevenwithyourmobile phone (m.latinoccu.org)

Don’t have credit and would like to start building it? • Withourcreditbuilderorthesecuredcreditcard,wecanhelp

youeasilyandquicklyDo you need money for an emergency, a personal expense, transportation, or other immediate needs?

• Wehavepersonal loans forupto10,000dollars&upto36monthswithverysimplerequirements

Do you need a computer at home or at work?• Ourcomputer loans areflexible,simpleandquicklyapproved.

Withoutcredithistory,youcanloanupto1,000dollars

Car loansWehavemanyoptionsforyoutofinancethecarthatyouwant.• Fornewandused cars• From70%to95%financing• Greatratesandverylowfees• Termsupto72months• Optionswithoutformalcredithistory• Discountsifyouhavedirectdepositwithus

LatinoCreditUnionNewsletterMay-June2011

Candid Accounts

Havequestions?Callusorcometooneofourbranches.

AtLatinoCommunityCreditUnion,wekeepfinancialinformationaboutourmemberssecureand

confidential.Yourfinancialinformationisjustthat—yours!LatinoCommunityCreditUnionwillnot

shareyourpersonalfinancialinformationexceptasneededtoprovideservicesyourequest.LCCUwill

neversellyourfinancialinformationtoanyoneforanyreason.That’snotthewaywedobusiness;that’s

notthewayyouwantustodobusiness.

COLLECTINGINFORMATION

LCCUcollectsandmaintainsonlyinformationwemusthavetoprovideyouwithrequestedservices.

Whenyoubecomeamember,opennewaccountsorapplyforadditionalservices,wecollectinforma-

tionorallyorinwriting,suchasyourname,addressandsocialsecuritynumber.

Ifyouapplyforaloanorcreditcard,wecollectthefollowingnonpublicinformation:

informationaboutyourtransactionswithusorothers,suchaspaymenthistoryandcreditcardusage

informationwereceivefromaconsumerreportingagency,suchasyourcredithistory

informationobtainedfromcurrentandpastemployersorotherinstitutionswhereyouconductfinancial

transactionswhenweverifydatayouprovide

DISCLOSINGFINANCIALINFORMATION

Toprovideyouwithcompetitivefinancialproductsandsuperiorservice,weshareinformationwithin

SECUandgiveinformationonalimitedbasistoourexternalserviceproviderswhohelpusdeliver

productssuchasprintedchecks,debit/creditcardsandlifeinsurance.

Creditunionemployeeshaveaccesstoyourfinancialinformationinorderto:

completeyourtransactions

maintainyouraccounts

provideservicesyourequest

Employeesofourserviceprovidershaveaccessonlytothelimitedinformationtheyneed.Forinstance,

whenyourequestthatchecksbeprinted,wegivetheprintertheinformationonyourcheckreorder

form.Wedonotgivethisproviderinformationaboutyouraccountbalanceortransactions.Wehold

serviceproviderstothesamestandardsofconfidentialityandprivacywefollow.Eachcompanymust

agreeinwritingtokeepyourfinancialinformationprivate.OccasionallyLCCUmayberequiredbylaw

todisclosenonpublicpersonalinformationforgovernmentalorjudicialpurposes.Ifyouterminateyour

membershipwithLCCU,wewillcontinuetoprotectyourfinancialprivacyandnotshareyourinforma-

tion,exceptasrequiredbylaworasneededtofinalizeourservicetoyou.

HOWWEPROTECTYOURINFORMATION

Weknowhowimportantthesafeguardingofpersonalinformationistoourmembers,andweshare

yourconcerns.Youhaveentrusteduswithmeetingyourfinancialneeds,andwerecognizethata

criticalpartofthatroleisrespectingandpreservingyourfinancialprivacy.Werequireallemployees

toactivelysafeguardmemberprivacyandconfidentiality.Wealsohaveadoptedphysical,electronic

andproceduralsafeguardsthatcomplywithfederalregulationsandindustrystandardstoprotectyour

nonpublicpersonalinformation.Ifyouhaveanyquestionsconcerningourprivacycommitmentorany

otherpolicyofthecreditunion,pleasecontactyourlocalbranch.

Latino Credit Union Member Privacy Policy

This is a great time to buy a home!WiththehelpofLatinoCreditUnion,ourmemberscantakeadvantageoftheecon-omytobecomehome-owners.Housepriceshavedecreasedbyabout25%sincetheirhighestlevelsinmid-2006,andfinancialinstitutionsareofferingcompetitiveratesonmortgageloans.Thelowpricesandinterestratescombinedallowourmemberstose-curelowermonthlyinstallmentswhenbuyinganewhome.Inaddition,attheCreditUnion,weservemembersinaprofessionalbutpersonalizedwaywithresponsible,lowcostloans.

Don’t forget the Latino Credit Union has the best options to send money to your mother on Mother’s day at a very low cost with

Directo a México, Fed Global, Cash Points Global and Vigo.Happy mother’s day!

Holiday closings Change of addressTheLatinoCreditUnionwillbeclosedMay30thforMemorialDay.Rememberyoucanaccessyouraccountsatanytimebyphone,calling1-866-USE-LCCU,usingourCashpointsATMs,oronourwebsitethroughLatinoDirectoNetwww.latinoccu.org.

Ifyouplantomove,orrecentlymoved,pleasecontactamemberservicerepresentativetogiveusyourcurrentcontactinformation.

BRANCHES: Durham (919) 530-8800 • Raleigh (919) 855-9696 • Garner (919) 773-9180 • Carrboro (919) 967-1725 • Charlotte Independence Blvd. (704) 531-0201 Charlotte South Blvd. (704) 553-0386 • Monroe (704) 226-1651 • Greensboro (336) 370-9512 • Fayetteville (910) 323-4334 • Winston-Salem (336) 784-0261 PHONE ACCESS 24/7 (Latino Direct): 1-866-873-5228 (1-866-USE-LCCU)INTERNET ACCESS (Latino Directo Net): www.latinoccu.orgMOBILE PHONE ACCESS: m.latinoccu.org

This Newsletter is also available in Spanish and English on our website: www.latinoccu.org/en/publications/newsletters.