June Roll Call

ROLL CALL JUNE 2021

INTRODUCING

END OF WATCH DEBT PROTECTION Complimentary For Active-Duty Sworn and Civilian Law Enforcement Personnel1 We are honored to announce an exclusive, potentially life-changing service for full-time, active-duty members. Our new End of Watch Debt Protection program will pay off all qualified LAPFCU debts if you pass away in the line of duty, and there is no cost for this service.

You can rest assured that your loved ones won’t have to struggle with debt during an already traumatic situation, should the unthinkable happen.

LAPFCU is the only financial institution in the nation to provide this program for sworn and civilian personnel because we were created by law enforcement, for law enforcement. We understand your priorities and what matters to you.

To receive this coverage, simply obtain a new loan of any kind with a minimum balance of at least $10,000. Or, open and activate a new line of credit or credit card with at least a $10,000 limit. Once you do, any existing loans you have are covered for a combined amount up to $850,000. Individual loans will be covered up to $400,000.

If you have debt elsewhere, now is the time to refinance with LAPFCU to save and add End of Watch Debt Protection for your loans. To learn more about this unique and valuable service, please call us today at (877) 695-2732 or visit lapfcu.org/eow.

1 End of Watch Debt Protection is provided to eligible borrowers at no additional cost to the borrower and cancels the outstanding LAPFCU loan balance of the sworn or civilian member. To be eligible for the End of Watch Debt Protection, the Borrower must: (1) be an LAPFCU member, (2) meet the lending requirements established by LAPFCU to qualify for this debt protection and (3) be a full-time, active-duty sworn peace officer or civilian employed by a Los Angeles County law enforcement agency. Minimum loan balance amount of $10,000 or a new activated $10,000 line of credit required to qualify (must be used within 30 days of account opening).

Maximum coverage for a single loan is $400,000. The maximum combined loan amount is $850,000 for all of the borrower’s loans. The End of Watch Debt Protection may not be purchased outright. This debt cancellation benefit applies to all loans from LAPFCU and only in the case of death while on duty, some exceptions do apply. All loans are subject to credit approval and to applicable LAPFCU policies. Other restrictions may apply. Visit lapfcu.org/eow or call (877) 695-2732 for complete details.

SAVE ON YOUR NEXT AUTO Get a $100 gas card when you buy a vehicle from Autoland and finance with LAPFCU through July 31!1 Connect with your Autoland Consultant today at (800) 234-6999 or visit lapfcu.autoland.com. Make sure to check if you’re already pre-approved for an auto loan or apply on the LAPFCU app or at lapfcu.org. $100.00 gas card offer valid June 1, 2021 through July 31, 2021. To qualify for this offer, a new or pre-owned automobile must be purchased through Autoland and financed with LAPFCU. Auto loan must be initiated June 1, 2021 to July 31, 2021 and finalized no later than August 6, 2021. Offer valid on automobiles only. May not be used to refinance an existing LAPFCU auto loan. Autoland will send a $100.00 gas card to the member by mail or email within 45 days of auto loan funding. Offer subject to change or end without notice and other restrictions apply. May not be combined with any other offers. Please ask for complete details.

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NEW! CONVENIENT AND SECURE PAYMENT OPTIONS FOR YOUR LAPFCU LOANS Quick Pay1 is an easy and secure way to make one-time and recurring payments on eligible LAPFCU loans right from your smartphone and computer. There are no hassles and no fees.

Simply select the loan and make a payment using: • An LAPFCU account, including an LAPFCU debit card • An Automated Clearing House (ACH) payment from another financial institution • A credit or debit card from another financial institution

You can access Quick Pay by logging in to the LAPFCU app and PATROL Online Banking. For assistance, call us at (877) 695-2732.

Quick Pay is a service provided to you to make payments to your Los Angeles Police Federal Credit Union (LAPFCU) loans. To qualify for Quick Pay: a) you must be a member in good standing; b) registered user on Patrol Online Banking; c) maintain a valid email address; and d) sufficient funds in your account to complete the payment request. Available payment methods include: 1) A non-LAPFCU credit card (Visa, MasterCard, or Discover); or any debit card including LAPFCU (Visa, MasterCard, or Discover); 2) Payment transfer from your LAPFCU Account; and 3) A one-time or recurring ACH payment from your account at another financial institution. LAPFCU credit cards and real estate related loans are not eligible for payment using the credit card option. Other restrictions may apply, please call (877) 695-2732 or visit lapfcu.org/quick-pay for more details.

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FREE WEBINAR: MONEY TALK FOR TEENS July 10 | 10:00-11:00 a.m. PT1

In this fun and interactive webinar, youth ages 13 to 17 will learn realworld money management skills that aren’t taught in school, and develop lifelong smart savings and spending habits. Parents are encouraged to attend with their kids.

Register now at lapfcu.org/webinar or call (818) 779-3393 for assistance.

BOOST YOUR SAVINGS: We’ll match up to $25 when you make an LAPFCU deposit, but only for the first 50 attendees!2 1 Webinar times and dates subject to change or cancellation at any time. 2LAPFCU will match up to $25 for the first 50 members, aged 13 to 17, who make a deposit into their LAPFCU account by August 10, 2021. Offer applies to existing and new LAPFCU youth members. Must watch the live Money Talk for Teens webinar to its entirety in order to qualify for this offer. LAPFCU’s match deposit will be funded into the youth member’s LAPFCU S1 share savings account on August 10, 2021. The matching fund amount issued by LAPFCU (up to $25) is considered a dividend and will be reported on IRS Form 1099-INT. Other restrictions may apply, ask for details.

Law Enforcement’s Premier Credit Union Since 1936 • lapfcu.org • (877) 695-2732 0421-66 JUNE Roll Call.indd 1

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30-YEAR FIXED RATE MORTGAGE WITH NO POINTS AS LOW AS 3.000 / 3.023% APR1 Now is the time to take advantage of historically low mortgage rates.

Whether you’re purchasing a home or refinancing, LAPFCU can help you save. As your trusted partner, we’ll be with you every step of the way.

happily review your current loan and find a solution that works for you.

1 APR = Annual Percentage Rate. 30-year fixed rate term home purchase payment example (rate effective May 20, 2021): A $250,000 loan with 20% down payment would have a fixed rate of 3.000/3.023% APR would have 360 monthly payments of $1054.01. Payment example does not include closing fees, include taxes, insurance, loan level pricing adjustments or third-party vendor fees. All advertised rates and terms are subject to change at any time without notice. All loans are subject to credit approval and applicable LAPFCU policies. Your actual payment may vary. Restrictions apply, ask for complete details. 2The HomeAdvantage program is made available to you through a relationship between LAPFCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network.

Homebuyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using LAPFCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. LAPFCU may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are 3 available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. 3The no underwriting fees offer (a $650 lender credit at closing) is valid for loan application dates from January 1, 2021 through June 30, 2021. Offer limited to home purchase loans only and will be applied at time of funding. Refinancing a current mortgage does not qualify for the no underwriting fee offer. This limited time offer may be discontinued at any time without notice. All loans are subject to credit approval and applicable LAPFCU policies. Other restrictions may apply, please ask for complete details.

PURCHASING Find all your homebuying needs in one place. Enroll in our free HomeAdvantage® program to connect with a reliable Hurry, no real estate agent, find your dream home, and save with cash underwriting fees rewards.2 Apply for a new home loan at lapfcu.org/at-home. on a new home loan

through June 30!

REFINANCING Lower your monthly payment, change your term, take cash out, or consolidate your first and second mortgages. Apply for a home refinance loan at lapfcu.org or call (877) 695-2732, ext. 7777 for assistance. We’ll

CREDIT CARDHOLDERS CAN WIN $10,000 AND MEET OLYMPIC GAMES HOPEFUL NOAH LYLES1

MANAGE YOUR FINANCES ANYTIME, ANYWHERE Can’t make it to an LAPFCU branch or ATM? No problem. Choose from 30,000 surcharge-free CO-OP ATMs and over 5,800 shared branches nationwide.

Online, mobile, and touchtone banking are also available 24/7, so we’re always within reach when you need us. Check balances, pay bills and people, make transfers, deposit checks, and much more! Get to your funds securely from the comfort of home, on the go, or wherever you are.

Make sure to download LAPFCU’s 5-star rated app and set up PATROL Online Banking today at lapfcu.org! For assistance, call (877) 695-2732.

PERSONAL SERVICE WHEN YOU NEED IT Use your LAPFCU credit card from June 15 to August 15 for a chance to win! Get one sweepstakes entry for each purchase you make. You can receive a bonus entry when you tap to pay with a Visa® contactless card or device.

NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE OLYMPIC GAMES TOKYO 2020 VISA SWEEPSTAKES. Open only to legal 50 U.S. & D.C. residents who are 18 or older as of 6/15/21. Void in P.R. and where prohibited. Begins at 12:00 AM PT on 6/15/21, and ends at 11 :59PM PT on 8/15/21 (“Promotion Period”).

TO ENTER: 1) Automatic Entry: An eligible Visa card holder will automatically receive one (1) Sweepstakes entry for each eligible Visa purchase made during the Promotion Period at a participating merchant location in the U.S. BONUS ENTRY: An eligible Visa cardholder will automatically receive one (1) bonus Sweepstakes entry for each eligible Visa purchase made using his/her contactless Visa card or using his/her Visa card with a paymentenabled device during the Promotion Period. 2) To Enter by Mail Without Purchase or Obligation: Hand-print your name, street address, city, state, ZIP code, and daytime and evening telephone numbers (including area code), and email address, on plain 3” x 5” paper, and mail it in a #10 envelope with sufficient postage affixed, to: Visa 2020 NFL Sweepstakes, P.O. Box 7769, Melville, NY 11775-7769. Mailed entries must be postmarked between 6/15/21 and 8/15/21, and received by 8/15/21. Enter as often as you wish; however, each mailed entry will count as two (2) entries into the random drawing and must be mailed in a separate postmarked-and-stamped envelope.

Mechanical reproductions prohibited. PRIZE: One (1) Grand Prize: S 10,000 (awarded in the form of a check) and a Visa NFL Gift Box. The Visa NFL Gift Box includes a Microsoft Surface, Bose Noise Cancelling Headphones, a Game Console, a Madden NFL 21 Game, a $500 Lowes gift card, a $500 NFLShop.com coupon code, a one (1) year subscription to NFL Game Pass valued at $100 (awarded electronically via a code) and a year’s worth of game days snacks valued at $650, awarded in the form of a $650 Visa Gift Card. Grand Prize will also include $5,800 cash (awarded in the form of a check) that can be used toward the payment of income taxes associated with the prize. ARV: $19,310. ODDS: Estimated odds of winning are 1 in 11,344,720,444; however, the actual odds of winning depend upon the total number of eligible entries received. Sweepstakes subject to complete Official Rules, available at this location and www.visa.com/NFLUltimateSweepstakesFullRules. SPONSOR: Visa U.S.A. Inc., P.O. Box 8999, San Francisco, CA 94128-8999. The NFL Entities have not offered or sponsored this Sweepstakes in any way.

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lapfcu.org

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Our virtual appointments make it easy to get personal consultations and one-on-one service from a friendly LAPFCU Associate. We’ll assist you remotely with new and existing accounts, loan applications, and questions.

It’s secure and you can connect with us from wherever you are.

Book your free virtual appointment today at lapfcu.org/bookings.

Remember to turn your camera, microphone, and speakers on. We look forward to seeing you!

BOOK A VIRTUAL APPOINTMENT

(877) 695-2732 0421-66

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