CEFCU is Dementia Friendly - Caltech Employees Federal Credit Union
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WINTER 2020
CEFCU is Dementia Friendly
Accredited to recognize, respond and assist members with dementia
CEFCU is proud to announce its most recent accreditation dementia,” said Rich Harris, President/CEO. “Providing an
as a Dementia Friendly establishment, an organization-wide increased level of member care makes our Credit Union
initiative to maintain a physical and business environment safer, more responsive, and less prone to financial abuse.”
responsive to the needs of members with dementia. Moreover, CEFCU has applied dementia friendly
This effort seeks to promote a Credit Union measures to support an environment that is safe and
environment that is informed, safe, and accessible in terms of open space, lighting, signage,
respectful of individuals living with the and quiet areas.
disease as well as their caregivers. We encourage members to talk to us.
On Monday, October 14, all CEFCU Working together, we can help maintain
personnel completed a training course financial independence while protecting our
presented by Alzheimer’s Los Angeles. The valued members from problems such
session, presented by Certified Dementia as unpaid expenses, financial
Practitioner and Trainer Carol Hahn, RN, abuse, neglect, or exploitation.
emphasized three specific We can set options that include
domains: “First, we must be withdrawal notification alerts,
informed about dementia, limits on accounts, and
including the behaviors to expect. alternative accounts and contacts.
Second, our communication As our mature population
must be respectful and responsive grows, we remain committed to
to our member needs. And finally, working together to support the needs
dementia friendly means we must be of each and every member — by providing
safety conscious, especially attuned to unsurpassed service coupled with lawful,
risks or concerns for members and their ethical, and morally sound business practices.
assets.”
The training provided valuable information
related to recognizing signs of dementia, altering
communication methods, and practicing discretion All CEFCU offices
and patience during interactions. Staff engaged will display this
in a role playing activity to exercise proper window decal,
communication skills which led to identifying showing our
proactive procedures and guidelines to address accreditation
financial challenges related to dementia. and support as a
“Our training program, developed in conjunction dementia friendly
institution.
with Alzheimer’s Los Angeles, prepares us with the education
and skills required to identify and support a person living with
20/20 Vision: See Big Savings this Year!
Start 2020 smart. Transfer high-cost debt to our 3.99% APR* Mastercard . ®
If you’re looking at a pile of lingering bills after the
holidays — or a big expense up ahead — our CEFCU
Platinum Mastercard® can help you see the end
of high-cost debt in 2020.
Our cardholders are enjoying a fixed
rate of 3.99% APR every time they use
their card (including balance transfers!)
through February 28, 2020.
Better still, you’ll keep saving with this
reduced rate through December 19, 2020.
After the promotional period, your CEFCU Mastercard
Farsighted savings:
will revert to the variable rate in effect — consistently
All NEW PURCHASES, BALANCE TRANSFERS,
among the lowest in the nation. and CASH ADVANCES made by February 28, 2020,
When it comes to superior value, our Mastercard is qualify for our reduced rate through December 19, 2020.
clearly the best in sight. No matter what kind of “rewards”
you’ve been enticed with in the past — free airline tickets,
hotel discounts, cash-back — sometimes it’s more rewarding just Already a CEFCU cardholder? No sign-up required.
to focus on the lowest rate. Don’t miss your chance to improve your financial outlook in 2020.
As always, there are NO balance transfer fees. . . For all your nearby purchases and farsighted plans, CEFCU’s
NO annual fees. . .NO cash advance fees. . .NO minimum Mastercard is your best prescription to cut costs.
interest charge. . .and NO foreign transaction fees.
Not yet a cardholder? APPLY TODAY! *APR=Annual Percentage Rate. Promotional rate of 3.99% APR applies to all purchases,
balance transfers, cash advances, and convenience checks posted to your account between
For maximum savings, make CEFCU’s Mastercard your first
November 1, 2019 and February 28, 2020. The promotional rate will expire on
choice for new purchases and balance transfers. Apply online at December 19, 2020. Balance transfers and convenience checks cannot be used to
www.cefcu.org, call 800/592-3328, or visit any of our three pay off existing CEFCU loans. All credit subject to approval.
branch locations.
Foreign Transaction Fee Eliminated
Effective January 1, 2020,
CEFCU has eliminated the
Platinum Mastercard® foreign
transaction fee.
Travel with confidence
with our Platinum Mastercard 2020 Calendars
knowing you will pay no foreign
transaction fees when you use Available
your credit card for purchases
made outside the United States. Visit any office to pick up a copy of
Not yet a cardholder? these new calendars today.
Visit www.cefcu.org to Out of the area? Simply call
apply online. 800/592-3328 and request a calendar
be mailed to you.
Hurry. . .available while supplies last.
Important Updates Two CEFCU ATMs
In our commitment to providing members with advanced Get New Wraps!
technology, CEFCU has enhanced the following services —
Digital Wallets and eBranch Login — and Alerts & Messages Our ATMs at the
scheduled for early 2020. Chandler Dining Hall
on the Caltech campus and
Digital at our La Cañada Flintridge
1. Wallets
CEFCU Platinum
office have a new look.
Enjoy complete ATM
Mastercard® cardholders access, including cash
can add their card to withdrawals, checking your
digital wallets. You’re all balance, and making deposits
set to make your next without incurring any
purchase with greater surcharge fees. Remember,
ease and confidence. there are no network
Available for Apple Pay®, Google PayTM, and Samsung PayTM. surcharge fees at any
CEFCU ATM or thousands
of CO-OP network ATMs.
eBranch Now
2. Uses Invisible
reCAPTCHA to
Making our products
and services better is
simply part of our DNA.
Protect Login
Committed to providing our
members with advanced technology,
we updated eBranch, our online
access system, to utilize Invisible reCAPTCHA.
This sophisticated security service uses advanced risk
2020 Annual Meeting to
analysis techniques to tell humans and bots (web robots)
apart. If prompted, when you log into eBranch from our
Be Held in New Location
website, you will select images of a particular category, February 18, 2020 • 5:30 PM
such as streetlights, trees, or bridges.
Caltech Employees Federal Credit Union
528 Foothill Blvd. • La Cañada Flintridge, CA 91011
3. Alerts and
Messages
Enhanced alerts within
eBranch help you manage
your account.
The alerts featured
within eBranch will
include SMS text
messaging and push
notifications, along with the standard email option.
Alerts can be set up for: Log in, transfers, address
changes, email changes, password changes, and transaction-
based activity.
Apple and Apple Pay are registered trademarks of Apple Inc.
Google and Google Pay are trademarks of Google LLC.
Samsung Pay is a trademark of Samsung Group.
Availability may be affected by your mobile carrier’s coverage area. Digital
wallet verification and alerts received as text messages on your mobile device
may incur a charge from your service provider. Please note that some alerts
are mandatory by CEFCU and cannot be changed. The Alerts feature is not
available on the mobile app. 2020 meeting to be held at our La Cañada Flintridge office.
Fraudsters Don’t Take Days Off
No matter the season or reason, everyone is susceptible to being scammed.
Government agencies continue to alert consumers to recognize, stop and report
˜
LA CANADA OFFICE fraud calls and emails. Con artists instill panic and fear by threatening you or loved
528 Foothill Blvd. ones with arrest, deportation, online ransom of personal information and files, and
P.O. Box 11001 other extortion demands.
La Cañada Flintridge, CA 91012-6001 Be suspicious of fraudsters who ask for payment in the form of a money order
800/592-3328 • 818/952-4444 or gift cards. Remember to use gift cards only as gifts for people you know, never for
FAX 818/952-4382 payments. Legitimate businesses and government agencies will never demand payment
Hours: 9 a.m.-4 p.m. M-F in gift cards.
Drive Up: 8:30 a.m.-4:45 p.m. M-Th Optimize your knowledge by visiting www.cefcu.org. Select “Financial Wellness”
8:30 a.m.-5:15 p.m. F
under the “Resources” tab.
REAL ESTATE LOAN CTR.
801 Foothill Blvd. FINANCIAL UPDATE
P.O. Box 11001 As of November 30, 2019
La Cañada Flintridge, CA 91012-6001
Assets.................................................................................................................................................................. $1,781,708,419
800/592-3328 ext. 404
Shares.................................................................................................................................................................. $1,595,984,302
JPL OFFICE Loans................................................................................................................................................................... $ 521,246,789
Member Accounts............................................................................................................................................ 37,317
4800 Oak Grove Dr., Bldg. 291
Pasadena, CA 91109 LOAN RATES & TERMS
818/354-3280
FAX 818/393-4308 Annual Approximate
Hours: 9 a.m.-4 p.m. M-Th
Type of Loan Percentage Maximum
Rate (APR) Term
8:30 a.m.-4 p.m. F
PERSONAL LOANS
CAMPUS OFFICE Personal Line of Credit (Variable)........................................................................... 11.75% Open End
1200 E. California Blvd. Mastercard ® (Variable).................................................................................................... 11.25% Open End
Pasadena, CA 91125 Short Term Personal Loan...................................................................................... 6.95%^ 24 months
M/S 100-63 7.25%^ 36 months
7.95%^ 48 months
626/395-6300 Share Secured Loan (Variable)................................................................................... 2.88% Open End
FAX 626/568-9536 ^ Includes 1% rate discount for payment by Automatic Transfer. Lower rate or refinancing option does not apply to current CEFCU loans.
Hours: 9 a.m.-4 p.m. M-Th
8:30 a.m.-4 p.m. F VEHICLE LOANS
New/Pre-Owned Autos — Purchase and Refinance*
WEBSITE 100% Financing (Current & prior 5 years)..................................................................... 2.80%^ 36 months
www.cefcu.org 100% Financing (Current & prior 5 years)..................................................................... 3.20%^ 60 months
100% Financing (Current & prior 5 years)..................................................................... 3.95%^ 84 months
CREDIT UNION 80% of Retail value (6 years & older).............................................................................. 4.95% 60 months
OFFICIALS New/Pre-Owned Motorcycles*
100% Financing .................................................................................................................... 6.49% 60 months
BOARD OF DIRECTORS 80% Financing (6 years & older)....................................................................................... 6.49% 60 months
New/Pre-Owned RVs*
Gary Gray, Chairman 100% Financing............................................................................................................ 7.25% 120 months
Ann Martin, Vice Chair 80% Financing (6 years & older)..................................................................................... 9.00% 84 months
Dlorah Gonzales, Secretary * Financing includes purchase price or retail value plus tax, license, documentation fees, mechanical breakdown protection, GAP, and extended warranty.
Rich Harris, Treasurer ^ Includes 1% rate discount for payment by Automatic Transfer. Lower rate or refinancing option does not apply to current CEFCU loans or any
Willis Chapman, Director vehicles that have been financed by CEFCU in the past 12 months.
Mike Miranda, Director
REAL ESTATE LOANS
Richard O’Toole, Director
First Trust Deed............................................................... Visit us online at www.cefcu.org or call 800/592-3328 x404
John Patterson, Director Second Trust Deed
Steve Proia, Director Primary/Secondary Residence (Fixed).................................................................... 5.70% 180 months
Rental Property (Fixed).............................................................................................. 9.75% 120 months
SUPERVISORY COMMITTEE Home Equity Line of Credit (Variable)................................................................. 4.40% Open End
Laurice Balian, Chair 10-Year Interest Only HELOC (Variable)............................................................ 4.75% 120 months
Walt Boyd, Member
This reference guide is provided as a service to our members for general information and is not meant as a
Theresa Slowskei, Member full disclosure. See specific loan disclosures for further details. Rates and terms are those in effect at time of
printing and are subject to change without notice. All loans subject to credit approval. Equal Housing Lender.
NMLS #626590. Effective January 1, 2020.
HOLIDAYS Martin Luther King, Jr. Day Monday, January 20 • Presidents’ Day Monday, February 17
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