2022 Fall Dispatcher

GUARDIAN CHECKING With Free Premium Security Benefits for Law Enforcement Professionals

Exclusively for law enforcement professionals (active/retired), our free Guardian Checking Account1 includes powerful privacy and security features to help protect you. The first of its kind in the nation, this premium-benefit account is only available to LAPFCU members.

When you put just $500 a month into the account via direct deposit or ACH credits and receive your statements and disclosures online, you get:

n Free LEO Web Protect2 for sworn personnel: Digital privacy service that continually removes personal information from the Internet

n Free Sontiq Enhanced ID Protection3 for non-sworn personnel: Comprehensive ID theft monitoring and restoration service

ENJOY

n No monthly service fees

n No minimum balance requirements

PROTECTING THOSE WHO PROTECT!

Scan this code for more information about Guardian Checking Account

LAPFCU is the only financial services provider in the nation offering this type of product and service! Take advantage of this exclusive offer for law enforcement personnel at lapfcu.org, call (877) 695-2732, or visit an LAPFCU branch.

1Guardian Checking can only be opened by members that are sworn or non-sworn law enforcement personnel (active or retired) of county or municipal police departments or sheriff’s offices in qualifying areas we serve. Sworn law enforcement personnel will receive a one-year subscription to LEO Web Protect services. Non-sworn law enforcement personnel will receive a one-year subscription to Sontiq Enhanced ID Protection services. Both services will be renewed annually if the monthly Guardian Checking requirements are met: (a) $500 or greater monthly direct deposit/ ACH credit and (b) opt into e-Statements and e-Disclosures. Joint account holders who are not sworn or non-sworn law enforcement personnel are not eligible for the LEO Web Protect or Sontiq Enhanced ID Protection services. Optional add-ons are available for both services at an additional cost. Other restrictions may apply, please call (877) 695-2732 or visit lapfcu.org/guardianchecking for complete details. 2LEO Web Protect Inc is law enforcement-owned and -operated. LEO Web Protect Inc specializes in the removal of personal private information from the Internet and continually searches the Internet for your personal information in order to keep it out of the wrong hands. LAPFCU provides the LEO Web Protect Inc service as a free benefit to members who qualify. Optional add-ons may be included at an additional cost. For additional information, please visit leowebprotect.com/product/los-angeles-police-federal-credit-union. 3Sontiq Enhanced ID Protection is a service provided by Sontiq, a TransUnion Company. Sontiq Enhanced ID Protection is a leading provider of proactive identity, privacy, and credit protection by delivering ongoing monitoring, rapid alerts, and recovery services to help protect against ID theft. LAPFCU provides the Sontiq Enhanced ID Protection service as a free benefit to members that qualify. Optional add-ons may be included at an additional cost. For additional information, please visit lapfcu.sontiq.com.

HOLIDAY CLOSURES

Branches are closed:

Monday, October 10 for Indigenous Peoples’ Day

Friday, November 11 for Veterans Day

Thursday, November 24, and Friday, November 25 for Thanksgiving

Friday, December 23, and Monday, December 26 for Christmas

Please use the LAPFCU app or online banking. For 24/7 assistance, call our Member Contact Center at (877) 695-2732.

THIS YEAR, GIVE THE GIFT EVERYONE WILL LOVE!

Cash Packs will be available December 5 in branches.

CHAIR AND PRESIDENT’S MESSAGE LET’S TALK ABOUT CHANGE

Change is inevitable. It’s necessary. Change is how we grow and innovate. It’s how we advance our purpose. But change can also be stressful when it takes us away from the known and out of our comfort zone. It means learning to do things differently, and that can sometimes be a little challenging, or even intimidating.

LAPFCU recently went through a major technological change. To ensure you continue to receive the modern banking experience you deserve now, and in the future, we upgraded our core transaction processing software. This is, essentially, the underpinning technology that powers our Credit Union. The nearly two years of work that went into this in the background while maintaining business as usual in the foreground certainly took us out of our comfort zone. But our team’s dedication to our mission and our members propelled them forward. To their credit, they embraced change.

We know that some members were impacted by this change – and we do acknowledge that some of you may have encountered temporary inconvenience – but it was a necessary step on our path to innovation, growth, sustainability, and ensuring that we remain relevant to our members. Our previous system simply didn’t have the efficiency and compatibility needed to meet members’ ever-evolving needs.

To get the latest information about our recent system upgrades and answers to many of your questions, you can go to lapfcu.org/upgrade. Of course, you can also always visit any of our branches or call us at (877) 695-2732 for personal assistance, too.

The upgrade supports our goal of staying ahead of the competition, providing more customized services and conveniences, and ensuring we continue to deliver the modern banking experience that you deserve. You may

not notice an immediate difference because, initially, most of the resulting improvements are behind the scenes. However, in the months and years to come, members will reap the benefits of this upgrade. In fact, we look forward to sharing more information about this with you soon.

In the meantime, sticking with the topic of upgrades, we also wanted to let you know about a few other changes that have either already taken place or are in progress:

n Upgrading our entire fleet of ATMs

n Remodeling our branches and offices

n Introducing more accounts and loans exclusively designed for our members

n Expanding into surrounding counties, to help improve the financial lives of more people in the law enforcement community

These are just a few examples, and we’re not done yet by any means. We’ll always continue to change with the times in anticipation of meeting your future needs. So, please watch for more enhancements to come! With our new system in place, we’re extremely excited about the many things we’ll be able to do for our members. But rest assured: though there may be changes, we’ll always remain rooted in our values and purpose of serving the law enforcement community.

We sincerely thank you for your continued support, loyalty, and participation in your Credit Union. Without your help and patronage of this member-owned, notfor-profit cooperative, we couldn’t advance our mission of improving the quality of life of law enforcement professionals and their families. It’s truly our privilege to serve you, and we thank you for being part of law enforcement’s premier financial services provider.

ANDRE PLUMMER CHAIR

EDWIN W. HADA PRESIDENT/CEO

TAKE YOUR PROFESSIONAL DEVELOPMENT TO THE NEXT LEVEL!

Become an LAPFCU Associate Board Director!

Get involved in your member-owned Credit Union and be an advocate for our members!

We’re looking for leaders to help us advance our mission of improving the law enforcement community’s financial quality of life.

This is your opportunity to enjoy a truly rewarding experience and join the team at one of the most reputable credit unions in the business.

n Develop your professional skills and network while making a positive difference in people’s lives

n Forge meaningful lifelong relationships with your peers

n Receive complimentary training and education

n Represent the best interests of the law enforcement community

n Help shape our future

n Ensure that the Credit Union’s operations are financially sound and comply with regulations

For more information, please contact Judy Caban at (818) 779-3304, or email jcaban@lapfcu.org.

SAVE MORE WITH INSURANCE DISCOUNTS

Review your insurance coverage and save money! LAPCUSO Insurance Services,1 our in-house LAPFCU partner, can help you find available discounts to get the best rates. Some of the many discounts offered through LAPCUSO include:

n Multi-policy, multi-car, college degree, fieldof-study, alarm systems, automated mileage reporting, and increased deductibles.

n A special active and retired law enforcement personnel discount that can save you as much as an additional 8%.2

n Bundling your insurance or buying multiple policy types (i.e., auto, home, RV, etc.) from one provider for maximum savings. Some carriers offer more than 20% off for bundling and may increase the discount as you add more policies.

MARIA ASCENCIO

LAPCUSO INSURANCE SPECIALIST

(818) 373-8384

CUSO@BISINS.COM

Let LAPCUSO customize a plan for you with the best prices from the most reputable insurers. Call today!

1Insurance services provided by Bichlmeier Insurance Services, Inc., California license #OB26427. Insurance products offered are not sold or guaranteed by LAPFCU. They are not deposits, are not federally insured, are not protected by the NCUA and may be subject to risk. Any insurance required as a condition of an extension of credit by LAPFCU need not be purchased from the Credit Union and may be purchased from an agent or an insurance company of the member’s choice. Business conducted with Bichlmeier Insurance Services, Inc. is separate and distinct from any business conducted with LAPFCU. 2Restrictions may apply, ask for complete details.

NOVEMBER 9 | 6:00-7:00 P.M.

Learn about inheriting fundamentals, incapacity planning, estate and financial planning as they relate to inheritance, and more. A trusted Estate Planning Attorney and our in-branch CUSO Financial Services, L.P.* Financial Advisor will answer all your inheritance and estate planning questions in this live webinar. To register, visit lapfcu.org/webinar or contact Daniel at (818) 779-3303 or dsaenz@lapfcu.org for assistance.

1Webinar times and dates subject to change or cancellation at any time.

*Non-deposit investment products and services are offered through CUSO Financial Services, LP (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS for investment services. Atria Wealth Solutions, Inc. (“Atria”) is a modern wealth-management solutions holding company. Atria is not a registered broker-dealer and/or Registered Investment Advisor and does not provide investment advice. Investment advice is only provided through Atria’s subsidiaries. CUSO Financial Services, LP is a subsidiary of Atria.

PRODUCT HIGHLIGHTS

All rates and terms are subject to change without notice. Additional terms and conditions may apply. Call (877) 695-2732 for details.

LOAN RATES EFFECTIVE SEPTEMBER 26, 2022

BANK ANYTIME, ANYWHERE!

Bank with LAPFCU wherever you are, 24/7! Use our GPS-based app to find the nearest shared branch or ATM; there are thousands of locations nationwide! Manage your accounts, pay bills, send money, make transfers, deposit checks, and so much more!

n FREE Mobile Banking App1

n FREE PATROL Online Banking

n FREE Phone Banking and 24/7 Assistance at (877) 695-2732

n Surcharge-free CO-OP ATMs and shared branches nationwide

Los Angeles Police Federal Credit Union is a financial institution with over $1.3 billion in assets exclusively serving active and retired, sworn and civilian employees of Los Angeles, Orange, Riverside, San Bernardino and Ventura Counties Law Enforcement, their families and select police-related groups.

n Virtual Appointments with an LAPFCU Associate

*APR = Annual Percentage Rate. **APR = Annual Percentage Rate. Effective September 26, 2022. To qualify for 2.49% Fixed APR requires FICO score of 760 or greater, and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant’s credit rating and other underwriting factors (Member must apply online, participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to https://lapfcu.org/member-benefits/ for complete details. Only on a new or used auto loan for a 36-month term. May not be used to refinance an existing LAPFCU vehicle loan. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details. †6.875% / 6.895% APR as of September 26, 2022. Payment example: A 30 year fixed rate mortgage with a loan amount of $500,000 and no points would result in monthly payments of $3,284.64. Monthly payment excludes tax and insurance. All rates subject to change without notice. Fees run 1-1.5% of loan amount financed. Restrictions apply, ask for complete details. ***APY = Annual Percentage Yield. Minimum opening deposit for a regular share certificate is $500. An early withdrawal penalty may apply. ^Member Benefits program rate. Member Benefits is available to all LAPFCU members in good standing who qualify. Member must fulfill Member Benefit Program requirements in order to receive incentives. Program subject to change or cancellation at any time and restrictions may apply. Ask for details. More information available at lapfcu.org/memberbenefits. The following loan types are excluded from Member Benefits rate reductions: Real estate loans, mobile home loans, unsecured lines of credit, credit cards, share loans and share certificate loans.