February 2021 Connections eNewsletter

by Jason Vitucci, CFP®

February 2021  

Table of Contents

                                            Check Out Our New Online Chat Feature

                                            Low Rate 30-Year Fixed Rate Mortgages - Low Fees and NO POINTS!

                                            Auto Loan Rates As Low As 2.50% APR†

                                            Consolidate Your Debt and SAVE

                                            1st in the Community

                                            1st Alerts

                                            Remote Services Reminder

                                            Emergency Loans

                                            How Tax Planning Changes Through Four Stages of Retirement

                                            Mastercard Priceless Surprises

                                            Jewelry Insurance Coverage Explained

                                            FREE Financial Counseling

Visit Website

Locations & Hours

Loans & Rates

Online Banking

Mobile Banking

Financials

Member Discounts

Contact Us

  Win $50!
There are two member numbers spelled out within the text of this eNewsletter. Find your number and give us a call at
(888) 387-8632 to claim $50!  

                            Check Out Our New Online Chat Feature

                                                                    You may have noticed a new chat icon in the bottom right corner of our website. This is our latest addition to the convenient services we offer to our members!

The chat option is available Monday - Friday from 9:00am - 4:00pm for your convenience. During these hours, you will be connected live in real time with a 1st Nor Cal member service professional. Using chat, you can ask questions about products and services, get help locating information on our website or even request assistance with your 1st Nor Cal accounts. If further assistance is needed, a member of our staff will provide you with their direct line to assist you by phone.

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                            Low Rate 30-Year Fixed Rate Mortgages - Low Fees and NO POINTS!

                                                                    The quality of your mortgage is important. In fact, your mortgage is likely the key component of your overall financial health and wellbeing, which is why we at 1st Nor Cal® Credit Union offer some of the lowest APR home loans in the area. Our mortgage rates are naturally low which means you won’t pay thousands of dollars in points to get our best rates. Our mortgages also feature super low closing costs - we’ll take time to review these dramatic savings with you during the application process. Fixed-rate loans allow you to keep more of what you’ve earned, and use saved funds to enhance your home and lifestyle in your own unique way.

To enhance the borrowing experience, all credit union members are welcome to use our easy-to-navigate online application portal and apply online in just a few clicks.

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                            Auto Loan Rates As Low As 2.50% APR†

                                                                    It couldn’t be easier to apply for a 1st Nor Cal low rate auto loan. You can apply online at 1stnorcalcu.org or simply visit your favorite local dealership, select your new or used vehicle, then tell the dealer you want 1st Nor Cal financing. Low rates, excellent terms and a super simple application process... talk about easy!

Apply Now!

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                            Consolidate Your Debt and SAVE

                                                                    If you’re like most people, holiday gift buying and seasonal expenses have left you with high credit card and department store charge card balances. You can save a bundle by transferring those balances to a FIXED rate 1st Nor Cal VISA Credit Card account.

1st Nor Cal’s FIXED rate VISA pretty much has it all! Our VISA offers all this and more.

    FIXED Rates as low as 8.90% APR*

    No Annual Fees

    No Balance Transfer Fees**

    No Cash Advance Fees**

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                            1st in the Community

                                                                    1st Nor Cal is happy to sponsor KKDV's Teacher of the Month!

At 1st Nor Cal, we recognize the dedicated work of all the teachers in our local communities. Congratulations to KKDV’s January Teacher of the Month, Kyra Rodriguez of Burton Valley Elementary in Lafayette!

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                            1st Alerts

    How to Spot, Avoid and Report Tech Support Scams >> Read Here

    Due to a high volume of calls, wait times may take longer than expected. We appreciate your patience. Along with our 24-hour member service line (888) 387-8632, you may also reach us at our remote services number (925) 293-1785 during business hours or you can securely email us through @ccessOnline home banking.

    COVID-19 Updates >> Read Here

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                            Remote Services Reminder

                                                                    Bank from home with 1st Nor Cal remote banking features.

We would like to remind you that our remote banking features make it easy to bank and access your funds from home or almost anywhere round-the-clock, 24 hours a day. Make the most of your time with direct deposit, online banking, mobile banking, mobile check deposit, auto pay, and more.

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                            Emergency Loans

                                                                    In an effort to further assist our members through this difficult time, we have created a new limited-time only COVID-19 Response Personal Loan for 1st Nor Cal members experiencing a temporary loss of income due to recent work reduction.

    Fixed Low Rates as low as 4.45% APR¹

    $5,000 maximum loan amount

    No payments for 90 days

    Terms up to 48-months

    Quick, local loan decisions

    Rapid funds availability

                                                                            Read Full Article

                            How Tax Planning Changes Through Four Stages of Retirement

  by Jason Vitucci, CFP®

FOUR STAGES OF RETIREMENT

    Pre-retirement (age 50-60) - work and save years

    Early retirement (age 60-70) - go-go years

    Middle retirement (age 70-80) - go-slow years

    Late retirement (age 80+) - no-go years

  People often pay more in taxes than expected because a confusing system treats various income types differently, and contains hidden taxes and penalties.

Retirement Surprises

    Inflation: People view their future costs in current dollars and don’t anticipate how those costs will grow with inflation.

    Longevity: People may end up living longer than they expect, which requires more money.

    Expenses: People underestimate how much they need to maintain their pre-retirement standard of living.

    Health care: People don’t realize how much of their savings will be spent on health costs.

                                                                            Read Full Article

                            Mastercard Priceless Surprises

                                                                    You could win up to $15,000² from Mastercard^®

From 1/1/2021 until 3/31/2021, make a purchase with your 1st Nor Cal Mastercard^® for a chance to be surprised with a statement credit of $75, $250, or even $15,000.²

                                                                            Read Full Article

                            Jewelry Insurance Coverage Explained

                                                                    A ring from a loved one. A bracelet handed down through generations. A watch or necklace marking a special occasion. Every reason why you treasure a piece of fine jewelry is a reason why it should be insured.

However, calling it “jewelry insurance” may be a stretch. You don’t need a separate policy to insure your jewelry. You just need to ensure you have the right personal property coverage from your homeowners, condo, or renters insurance.

Jewelry coverage helps protect the investment you’ve made in your favorite pieces by helping you replace them if you experience a loss that’s covered by your policy. But, the coverage is only for certain instances and set dollar amounts, so double check what coverage you have and learn more about insuring jewelry below.

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                            FREE Financial Counseling

                                                                    Are you in need of financial counseling?

1st Nor Cal is here to help. Timely and honest debt advice is available to our members at no cost or obligation. Learn how to manage your finances.

                                                                            Read Full Article

    BRANCH LOCATIONS
1111 Pine St, Martinez
538 Center Ave, Martinez
4261 Century Blvd, Pittsburg
8660-E Brentwood Blvd, Brentwood
560 First St, Suite B-106, Benicia
1420 Pomona St, Crockett
2500 Nevin Ave, Richmond

HOURS OF OPERATION
Mon - Wed: 9:00am - 4:00pm
Thursday: 9:00am - 6:00pm
Friday: 9:00am - 5:00pm

Crockett Branch Hours Only
Mon - Wed: 9:00am - 4:00pm
Thursday: 7:30am - 4:00pm
Friday: 9:00am - 5:00pm  

    24-HOUR MEMBER SERVICE
(888) 387-8632

FIND US ONLINE!
www.1stnorcalcu.org

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administrations, a U.S. Government Agency.  

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.  

Recommended Five-Star Institution by Bauer Financial "Because peace of mind matters"

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