LAPFCU's September Roll Call

GET STARTED

A BRANCH IN YOUR POCKET!

WE’RE EVERYWHERE YOU ARE

Bank with us on the go, securely and conveniently:

n Manage your accounts

n Send/receive money instantly with Zelle®

n Deposit checks from your phone

n Set account and transaction alerts/notifications

n Use debit and credit card controls

n Check balances

n Pay bills

n Transfer funds

n View accounts at other financial institutions

n View your FICO® Score for free* (*with an LAPFCU loan or line of credit)

n Accept pre-approved loan offers

ONLINE BANKING

Enroll at lapfcu.org

LOGIN > ENROLL

LAPFCU APP

Use your online banking credentials to log in.

Don’t have our mobile app? Download it for free:

> SEND & RECEIVE MONEY INSTANTLY

Zelle® is a fast, safe, and easy way to send and receive money with friends, family, and other people you trust. And, it’s available right from mobile and online banking!

n LAPFCU APP >> PAY/TRANSFER >> SEND MONEY WITH ZELLE®

n ONLINE BANKING >> TRANSFERS >> SEND MONEY WITH ZELLE®

Remember: Only send money to those you know and trust, confirm a new recipient’s contact information before sending money, and treat Zelle® like cash.

INVEST IN YOUR FUTURE

WEDNESDAY, OCTOBER 11 | 6:00-7:00 P.M. PST

RETIREMENT & INVESTMENT STRATEGIES

UPCOMING COMPLIMENTARY WEBINARS NEW SERVICE!

Want to learn how to set up a retirement plan or make sure your current plan is sound? Need help understanding investment options? Patrick Infante, our in-house CUSO Financial Services, L.P., Financial Advisor, can help you maximize your chance of financial success. Learn to:

n Identify or review financial goals

n Plan or rethink investment/retirement strategies

n Plan for important milestone events

n Navigate DROP rollover options

n Tax considerations and making your money last in retirement

REGISTER NOW

COVER WHAT MATTERS: ESTATE PLANNING

WEDNESDAY, OCTOBER 18 | 6:00-7:00 P.M. PST THE BENEFITS OF WILLS AND TRUSTS

A representative from Trust & Will Estate Planning will explain the will and trust process and answer your questions. Learn to:

n Name guardians for children/pets

n Set up end-of-life arrangements

n Create a healthcare directive

n Minimize future expenses

n Avoid costly and lengthy probate

REGISTER NOW

For assistance, contact Melissa at (818) 779-3328 or email mmiranda@lapfcu.org.

TRUST & WILL ESTATE PLANNING SERVICES

Secure your loved ones’ future with exclusive member-only discounts on a will and/or trust. We’ve partnered with Trust & Will Estate Planning to offer you services to help you plan ahead.

n Create a will and/or trust easily online, with expert help.

n Less expensive and faster than working with an attorney.

n All documents are legally valid and state-specific.

n Your information is safe with optimal security encryption.

n U.S.-based support is available six days per week.

n LARFPA members can get reimbursed up to $600 toward a new estate plan.

AFFORDABLE EXPERT HELP CONVENIENT SECURE

Give your loved ones peace of mind, knowing you have a plan in place.

CONSOLIDATE. THEN CELEBRATE! SMART SOLUTIONS START WITH HOME EQUITY

A home equity loan or line of credit is a smart and simple way to:

n Consolidate debt: Lower your rates and payments if you have loans or lines of credit elsewhere (or even with us!)

n Remodel/repair your home

n Pay for ANY need

n

n

n One

Questions? We can help determine the best way to meet your needs! Call (877) 695-2732 or book a free virtual appointment today! INCLUDES COMPLIMENTARY END OF WATCH DEBT PROTECTION!

KEEP YOURSELF COVERED

Insurance is an important way to protect yourself and your loved ones in case of a disaster or accident. During the pandemic, insurance companies allowed customers additional time to make premium payments. However, many carriers no longer honor grace periods for payments made after the policy expiration date.

If your insurance company doesn’t receive your payment at least one day before your policy renewal date, they may reject your payment and cancel your policy. Then you’ll need to apply for a new policy with a higher premium. Insurance carriers control this directly, so agents aren’t able to make exceptions.

TO AVOID INSURANCE POLICY DISRUPTIONS/CANCELLATIONS

Review policy renewal dates and payment schedules

If you mail your payment, allow more than a week for U.S. Postal Service delays

Submit payments well before the renewal date

Use automatic recurring payments or online payment to avoid missing payments

LAPCUSO Insurance Services, an LAPFCU partner, offers a special discount for active-duty law enforcement personnel. Our in-house Insurance Specialist can customize your plan and help find you the best prices from the most reputable insurers.

“I