MEMBER OF THE QUARTER
A Quarterly Publication from allU.S. Credit Union
allNEWS
El Gabilan Library Reopens to the Community
Is a Shiny New Car Calling Your Name?
we have it all under one roof
Why you should file your taxes early
SPRING 2020
Welcome to allU.S. Credit Union
We want to welcome you to a new way of banking and a new way of interacting with your money. We all have our own goals and dreams. Together, we can help you achieve yours. Exceptional people like you deserve an extraordinary place to do your banking. At a place like allU.S. Credit Union, you can find the best in financial solutions to help you achieve your dreams. From daycare workers to retail clerks, to doctors and lawyers, you are our inspiration and motivation. You are the reason the employees at allU.S. come to work each day. We at allU.S. believe in making things happen – in banking and in life. We promise you: to work in your best interest, to simplify your financial life, to make it easy to do business with us and to partner with you to achieve financial success. Come in and feel the welcome!
The 20,000-square-foot El Gabilan Library reopened with a celebration on Saturday, February 22, with tours and various performances and activities. Did you know that allU.S. Credit Union, in partnership with the City of Salinas, made an upfront financial contribution that helped get this library built? We are very proud of that fact, and kudos to our city leaders and the community for providing this library for those who seek knowledge and technology as part of their lifelong learning.
MEMBER of the Quarter
When you join allU.S., you’re not just becoming a member; you become part of the allU.S. family.
Even though Annette has been a member of allU.S. for just under one year, she knows that allU.S. Credit Union is a very special place. “allU.S. really wants to help their members and will go out of their way to make sure you get the best service. It’s so nice to enter your bank and feel welcomed.” “Pet owners enjoy their pets, and allU.S. embraces its members’ pets. I have a fur baby named NuuNuu, and they welcome her into the bank with open arms. She is their mascot. I love my pet-friendly credit union.” “allU.S. is amazing, and I can’t say enough about how great they are!”
We Love Shining a Light on Our Members Congratulations to Annette Brooks, Member of the Quarter
Know your credit score: Your credit score is the “driving factor” in determining your rate for your auto loan. When you come in to discuss your loan, we can review what type of loan is best for you. Pre-qualify: Getting pre-qualified for an auto loan that fits with your budget is a great way to ensure you’re getting the best rate on your car loan before you actually commit to a purchase. Refinance: Refinancing your high-rate auto loan from another financial institution to a lower rate with allU.S. can instantly reduce your monthly payment and lower the rate over the life of the loan. Stop by our branch or give us a call, and we can help get you on the road with a new car with our red-hot rates.
If you are in the market for a new car, now is the time to buy! In addition to taking advantage of our red-hot auto loan rates, you can do the following to save money on your existing loan.
Ready to drive home your dream machine? Don’t toy around with high rates and payments! At allU.S. Credit Union, we’ll put you behind the wheel with an auto loan featuring plenty of budget-friendly benefits – so you can save more and stress less.
Get pre-approved now and enjoy: • Rates as low as 3.49% APR* • Flexible terms
• No pre-payment penalties • No application fees
Plus, receive FREE Depreciation Protection ($625 value) when you finance your vehicle with allU.S. – allowing you to recover the equity in your vehicle if it is damaged beyond repair.
Don’t wait! Get pre-approved today, and then choose your car and drive away. It’s that simple! Just call 831-789-8020, visit alluscu.com or stop by the branch to apply.
*APR = Annual Percentage Rate. Your rate may be higher depending on your credit.
NEWS you can USE
Did You Know There Is a Coin Machine in the Branch? One of our most popular free services is available in our branch. This machine quickly and accurately counts a large number of coins.
Save the Date Join us in May for our 70th Anniversary Celebration Refreshments • Prizes • Special Promotions Anniversary details will be announced very soon, so keep a close eye on our website and Facebook page for ongoing updates!
Email and Text Alerts Notifications in the form of emails and texts can help you stay informed about your account activity. You can set up multiple types of alerts and edit or remove them at any time. They’re completely customizable to your individual wants and needs. If you have questions or would like assistance with setting up alerts, contact member services at the branch. We’re here for you and happy to lend a hand.
QUOTE OF THE QUARTER “Do not save what is left after spending but spend what is left after saving.” - Warren Buffet
Unleash Your Financial Life
When it comes to environmentally conscious and security-minded people, nothing beats the simplicity and security of e-Statements. Also, add the allU.S. Mobile Banking app to your phone or tablet for 24/7, secure access to your accounts anywhere you go. That includes the ability to transfer funds, deposit a check, pay a bill and more.
Annual Meeting Notice
allU.S. Credit Union members and their families are invited to attend the allU.S. Annual Meeting in the Community Room at our branch, located at
1410 N. Main St. May 19, 2020 · 4:30 p.m.
Thank You for Our Most Successful Holiday Toy and Food Drive Ever!
Every year, allU.S. Credit Union hosts a Holiday Toy and Food Drive. We cannot begin to thank everyone who participated in this year’s Holiday Drive. With your help, we had our most successful drive ever! Because of you, many children and families could forget their worries and truly enjoy the holiday season.
We Have It All Under One Roof
It pays to be a member of allU.S. Credit Union, especially when you are in the market for a loan. Whether you’re needing to consolidate debt, upgrade your home or cover unexpected repair or emergency medical bills, we offer the borrowing options to fit your needs, including personal loans, holiday and vacation loans and even credit cards. Take advantage of our competitive auto loans for a new or used vehicle, or refinance auto loans from other lending institutions to help lower your payments. We offer competitive home equity lines of credit using the equity you’ve built up in your home. Are you interested in purchasing a home or refinancing your mortgage? We’ve got that covered as well. Whether you’re planning a glamorous wedding, considering that anniversary cruise or needing a little help with unexpected medical bills, an allU.S. loan gives you extra breathing room to achieve your dreams. Our member representatives make the application process a breeze, and you’ll receive results quickly so you can get out there and start enjoying all of life’s adventures.
Make Sure You and Your Loved Ones Are Not Victims of Elderly Fraud
Did you know that 1 in 5 seniors are victims of fraud? This number is probably underestimated, because many of these cases go unreported. As our senior population continues to grow, so do the cases of fraud. It is estimated that these cases result in losses of over $36 billion annually. Why are seniors targeted? Unfortunately, those committing fraud prey on those whom they envision as “easy” targets and who have significant wealth. Below are some characteristics of senior citizens that make them a target. Have more money than younger individuals Generally more trusting than others More willing to provide confidential information out of fear More prone to falling victim to fraudsters who prey on their civic responsibility There are many types of fraud that target the elderly. Some are highlighted below. Lottery IRS and romance scams Grandparent scam (attempts to persuade the victim that the scammer is the grandchild or that their grandchild is in trouble and money must be sent right away) We encourage everyone to become familiar with the scams and, most importantly, verify the sender and their information before you give personal information or money. Also, be aware and make sure you or someone you know isn’t a victim of elderly fraud.
More options with
Person-to-Person (P2P) Transfers
We are continuously finding ways to enhance your allU.S. online banking experience. Our latest feature is Person-to-Person (P2P) Transfers, which allow allU.S. members to send money from their accounts to anyone, including non-members, with a bank account, email address and/or mobile phone number. P2P Transfers are FREE. These services are ideal for paying the babysitter, giving a gift to your grandchildren or reimbursing someone for dinner. Money you send through P2P on the allU.S. mobile app will arrive in moments to the person via email or phone number. You won’t see the other person’s account info, and they won’t see yours, so your funds are protected. These services make sending funds just as easy as paying with cash.
As you all know, we have entered a new tax season. Taxes are due Wednesday, April 15, and while that may sound far away, there are many advantages to filing your taxes as soon as possible. The sooner you file your taxes, the sooner you get your refund. The combination of electronic filing and direct deposit has been proven the quickest way to get your refund. The IRS estimates that more than 90% of refunds will be issued within 21 days of receipt. The second reason you want to file early is because it can prevent identity theft. Criminals have become proficient at filing phony tax returns using the Social Security number of other consumers. The IRS only receives one return per Social Security number, which is why many people first find out their information has been stolen when they unsuccessfully try to file their return. If you file early, you can reduce the possibility of having a fake return filed in your name. Before filing, make sure you have your W-2s, 1099s, bank and mortgage statements, etc. Once you have your documentation, file quickly to make sure you don’t fall prey to identity theft.
Why you want to file your tax return early
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Contact Us 1410 N. Main St. Salinas, CA 93906 (Adjacent to the new 20,000-square-foot El Gabilan Library) 800.692.2228 • 831.540.4627 alluscu.com/contact.cfm alluscu.com Follow Us