LAPFCU FALL DISPATCHER 2023

PRESORTED STANDARD U.S. POSTAGE PAID LOS ANGELES, CA PERMIT NO. 896

P.O. Box 10188 Van Nuys, CA 91410-0188 RETURN SERVICE REQUESTED

FALL 2023 THIS YEAR, GIVE THE GIFT THAT FITS EVERYONE HOLIDAY CASH PACKS!*

OUR APP IS LIKE A BRANCH IN YOUR POCKET!

Limited quantities of cash packs available for presale through OCTOBER 27. Reserve in-branch, online, or in app. In-branch pick up required. In-branch sale starts DECEMBER 4.

24/7 SERVICE

*Set number of cash pack reservations or preorders are available per branch location and on a first-come, first-served basis. We reserve the right to end presales early based on availability. Sale dates are subject to change or cancellation at any time.

Manage your accounts on the go, securely and conveniently: n

Check balances, pay bills, transfer funds

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Deposit checks from your phone

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Set account & transaction alerts

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Make loan payments

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View accounts at other financial institutions

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

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Accept pre-approved loan offers

(877) 695-2732 • lapfcu.org

0823-067

DON’T HAVE THE LAPFCU APP1?

1 Property hazard insurance is required. 80% combined loan to value for owner occupied or second home properties located in California only. All loans are subject to creditworthiness. $500.00 fee for early termination if closed prior to two (2) years. If balance is at zero, a yearly draw of $100.00 is required to avoid the non-usage fee of $75.00. All rates and terms are subject to change without notice. Other restrictions may apply, ask for details. LAPFCU is an Equal Housing Lender.

LAPFCU APP

TRY ZELLE ! ®2

Questions? We can help determine the best way to meet your needs! Visit lapfcu.org, scan the QR code or call (877) 695-2732.

It’s a fast, safe, and easy way to send and receive money.

>> PAY/TRANSFER >> SEND MONEY WITH ZELLE®

Download it for free and set it up in minutes! Simply tap Sign up to create your log in credentials, which are universal for both mobile and online banking.

ONLINE BANKING >> TRANSFER >> SEND MONEY WITH ZELLE®

Download it for free!

Need assistance? Visit lapfcu.org or call (877) 695-2732.

Standard text message or data usage charges may apply per carrier.

Mobile network carrier fees may apply. Must have a U.S. checking or savings account and be at least 18 years old or have an adult co-signer on their bank account to use Zelle®. Transactions between enrolled users typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Copyright © 2023. All rights reserved. Terms and conditions apply. Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Learn more at lapfcu.org/zelle.

Pay for ANY need

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Remodel/repair your home

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HOLIDAY CLOSURES

Branches will be closed Monday, October 9 for Indigenous Peoples’ Day. ATMs, online and mobile banking available. 24/7 assistance at (877) 695-2732.

(877) 695-2732 • lapfcu.org

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Consolidate debt: If you have a variable-rate credit card or loan, today’s high-rate environment means higher payments

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

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One payment Easy process, quick turnaround time Borrow up to 80 percent of your home’s equity1

WHY USE HOME EQUITY?

CONSOLIDATE. THEN CELEBRATE!

SMART SOLUTIONS START WITH HOME EQUITY

Please note: The election will not be conducted by ballot, and there will be no nominations from the floor when the number of nominees equals the number of positions to be filled.

To become a candidate for the 2023 LAPFCU Board Election, a nomination by petition is required. Petitioner packages will be available at LAPFCU branches starting September 27, 2023.

Please submit a petition signed by 1% of the membership (446 members) and a brief, 125-word-maximum autobiography to an LAPFCU branch by 4:00 p.m. on October 27, 2023.

Election results will be announced at the Annual Meeting, Wednesday, January 24, 2024. For additional information, email jcaban@lapfcu.org or call (818) 779-3304.

ANNUAL BOARD OF DIRECTORS ELECTIONS NOTICE

CHAIR AND PRESIDENT MESSAGE

INTRODUCING… DISCOUNTED ESTATE PLANNING SERVICES No one likes to think about death, or what happens after that. We get it, and if you fall into this category, you’re certainly not alone. In fact, so many people avoid thinking about it, that 65% of American adults don’t even have a basic will.

…the cost of a trust from Trust & Will starts at just $599. What’s more, as an LAPFCU member, you’ll receive an additional 10% discount.*

The consequences of not confronting this inevitability and planning for it, however, are even less pleasant to contemplate. Without a well-documented plan in place, your loved ones will likely end up going through probate.

That’s a very slow, costly – and very public – process.

And, ultimately, a court will determine how your assets are distributed. Do you want a court to decide who gets what percentage of your money and property? Who gets custody of your children? Your pets? There are other considerations too, like taxes, health care directives, and powers of attorney.

What’s more, as an LAPFCU member, you’ll receive an additional 10% discount.* If you’re also a member of the Los Angeles Retired Fire and Police Association, you may be eligible for up to $600 in reimbursement toward a new estate plan.** Be sure to visit larfpa.org for more information.

If your circumstances change, you can always update your plan after you’ve created it. On a related note, we can’t overstate the importance of updating the beneficiary information for your Credit Union accounts too! Why? Because we see this occur all too often: after one of our members passes away, their spouse learns that another person is the designated beneficiary on the deceased member’s accounts, or a beneficiary is not even in place! So please be sure to update this information! Call us at (877) 695-2732 or visit a branch for assistance.

This is why it’s so crucial to have an estate plan. It’s even more important to have a plan in place if you work in a high-risk profession, such as law enforcement.

Tragically, we’re reminded almost daily of how many brave heroes make the ultimate sacrifice in the line of duty to keep our society safe.

That’s why, with our members’ best interests in mind, we’ve developed a solution that enables you to create an estate plan quickly and cost-efficiently: Trust & Will. From the convenience of home, you can create your plan online at lapfcu.org/trust-will. The process is straightforward and simple. Moreover, if at any point along the way you wish to speak with a representative or an attorney, you have that option, as well. When you’re done, you’ll have peace of mind knowing that your loved ones will be provided for in accordance with your wishes, not the mandate of a court.

To learn more about estate planning, attend our free upcoming webinar.

Wednesday, October 18 | 6:00 p.m. – 7:00 p.m. PST Register at: lapfcu.org/webinar We hope to see you there and that you’ll take advantage of this new service! Remember, LAPFCU has created many special programs like this one for the law enforcement community. Take a moment to learn about other unique benefits at lapfcu.org/sworn-civilian-suite.

As always, be safe and thank you for being a member of law enforcement’s premier financial services provider.

The cost of creating a trust with an attorney in California typically ranges from $2,000 to $5,000. But the cost of a trust from Trust & Will starts at just $599.

ANDRE PLUMMER | CHAIR

*Trust & Will is a modern digital estate planning services provider. Trust & Will is offering a 10% discount on estate plans specifically for LAPFCU members. No promo code required, the 10% discount is automatically applied at checkout to the initial purchase of a Will- or Trust-based estate plan. Subsequent plan upgrades are not eligible for a discount. Customer support is available 6 days a week via chat or email: Monday-Friday, 7 a.m.-5 p.m. PT; Saturday, 7 a.m.-2 p.m. PT. You may also call (866) 908-7878. Please visit lapfcu.org/trust for additional information. **The Los Angeles Retired Fire & Police Benevolent Association (LARFPA) will reimburse its dues-paying members up to $600 towards developing an estate plan. The $600 reimbursement offer is for dues-paying LARFPA members only and is not associated with LAPFCU and/or Trust & Will. Contact LARFPA for details and how to qualify: https://larfpa.org/members/estate-planning-benefit/.

JOHN ROEMER | PRESIDENT / CEO

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UPCOMING COMPLIMENTARY WEBINAR* COVER WHAT MATTERS: ESTATE PLANNING

WEDNESDAY, OCTOBER 18 6:00-7:00 P.M. PDT*

ONE LUCKY ATTENDEE WILL WIN AN ESTATE PLAN OF THEIR CHOICE!** (valued at $599)

Discover the benefits of wills and trusts, and how they can help you secure your loved ones’ future.

An experienced specialist from Trust & Will Estate Planning will explain the will and trust process and answer your questions. Learn to: n

Specify asset distribution

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Name guardians for children/pets

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Set up end-of-life arrangements

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Create a healthcare directive

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Name a Power of Attorney

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Minimize future expenses

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Avoid costly and lengthy probate

Register now at lapfcu.org/webinar or scan the QR code For assistance, contact Melissa at (818) 779-3328 or email mmiranda@lapfcu.org.

*Webinar times and dates are subject to change or cancellation at any time. **Official Rules - No purchase or payment of any kind is necessary to enter or win the giveaway. One entry per registered attendee. Odds of winning are based upon the number of entries. Based upon the Credit Union’s estimate of 300 entries, odds of winning a prize are 1:300. Participants must be 18 years of age or older and a member in good standing. Each registered attendee will receive one entry after attending the webinar in its entirety. The winner will be selected at random and contacted next business day. LAPFCU will send the winner a digital link with an embedded credit code (valued at up to $599) that must be used to create a will- or trust-based plan of their choice with Will & Trust through LAPFCU. Credit code must be used within 12 months of issuance date, or it will expire. LAPFCU employees, board members, family members and volunteers are not eligible.

NEW SERVICE!

EXCLUSIVE MEMBER-ONLY DISCOUNTS!

Easily create a legally valid will and/or trust online, with expert help. We’ve partnered with Trust & Will Estate Planning* to help you create an aaffordable plan that fits your needs. n

Less expensive and faster than working with an attorney

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Optimal security encryption keeps your information safe

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U.S.-based support is available six days/week

Visit lapfcu.org/trust or scan the QR code

LARFPA members can get reimbursed up to $600 toward a new estate plan.** *Trust & Will is a modern digital estate planning services provider. Trust & Will is offering a 10% discount on estate plans specifically for LAPFCU members.

No promo code required, the 10% discount is automatically applied at checkout to the initial purchase of a Will- or Trust-based estate plan. Subsequent plan upgrades are not eligible for a discount. Customer support is available 6 days a week via chat or email: Monday-Friday, 7 a.m.-5 p.m. PT; Saturday, 7 a.m.-2 p.m. PT. You may also call (866) 908-7878. Please visit lapfcu.org/trust for additional information. **The Los Angeles Retired Fire & Police Benevolent Association (LARFPA) will reimburse its dues-paying members up to $600 towards developing an estate plan. The $600 reimbursement offer is for dues-paying LARFPA members only and is not associated with LAPFCU and/or Trust & Will. Contact LARFPA for details and how to qualify: https:// larfpa.org/members/estate-planning-benefit/.

RECEIVE 10% OFF A PLAN OF YOUR CHOICE

TELL US WHAT YOU THINK: MARKETING@LAPFCU.ORG. WE’D LOVE TO HEAR FROM YOU!

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