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.