ROLL CALL NOVEMBER 2020
Read our newsletters at lapfcu.org/newsletters for the latest news, special offers, and upcoming events.
REFINANCE AND SAVE
BREATHE EASIER WITH LOWER PAYMENTS
If you’re struggling to manage multiple loans and credit card payments from various lenders, LAPFCU may be able to lower your rate, your monthly payment, or both. You might even be able to pay off your debt sooner. Whatever your financial needs, we can help you refinance and save. At LAPFCU, you can consolidate your debt into one convenient monthly payment, refinance a loan from another lender, transfer high-interest credit card balances, or apply for a personal loan or line of credit. We have a wide variety of loan programs with flexible terms to fit your needs. Plus, for a limited time, get $2001 and no payments for 90 days2 when you refinance your auto loan from another lender, with us. Don’t wait! Call (877) 695-2732 for a free review of your debt. Make sure to check PATROL Online Banking or our app to see if you’re already pre-approved for a loan or apply at lapfcu.org/refinance-save.
EXCLUSIVE OFFER: Get $2001 and no payments for 90 days2 when you refinance your auto loan from another lender!
1 Offer valid October 1, 2020 – December 31, 2020. Must refinance an auto loan from another lender, existing LAPFCU auto loans do not qualify for $200 credit. Borrowers with an 800 or above FICO score can only qualify for the offer if they select a 72-month or longer loan term. Lowest rate available for this offer is 2.49% APR (effective rate date of September 29, 2020). Refinanced auto loan must be at least $10,000 to be eligible for the $200 credit. The $200 will be credited to the primary applicant’s S1 Share Savings Account within 60 days after auto loan origination. Rates are subject to change without notice at any time. Actual APR offered may be higher depending upon applicant’s credit rating and other underwriting factors. Offer subject to change or cancellation at any time and other restrictions may apply. May not be combined with any other offers. Members who receive the $200 offer cannot refinance the new loan with LAPFCU again for a lower APR. Please ask for complete details. 2Number of total payments on your loan remains the same, and interest continues to accrue during deferred payment months. Deferring a payment may void your GAP insurance. Please consult your insurer for complete details.
JOIN US FOR THESE COMPLIMENTARY WEBINARS MANAGING AND REDUCING DEBT Tuesday, November 10
| 6-7 p.m. PT
1
Gain financial stability during challenging times by taking control of your finances. Get strategies and techniques for reducing, consolidating, and ultimately eliminating debt. You’ll learn about how to benefit from debt consolidation or refinancing, the role of credit, how to prioritize payments for different loans, how to work with lenders and creditors, and how to avoid common pitfalls.
1
WILLS, TRUSTS, AND ESTATE PLANNING Wednesday, December 2
| 6-7 p.m. PT1
Protect your assets and plan ahead to help preserve your loved ones’ financial wellbeing. Our live presenters will guide you through the process and options and discuss: wills and trusts, growing and maintaining your estate,2 and pandemic preparedness. Join us from the comfort of home for these live webinars. Register today at lapfcu.org/upcoming-events or call (818) 779-3393 for assistance.
Webinar times and dates subject to change or cancellation at any time.
2 Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“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. Los Angeles Police Federal Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Before deciding whether to retain assets in an employer sponsored plan or roll over to an IRA an investor should consider various factors including, but not limited to: investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgements, required minimum distributions and possession of employer stock.
Law Enforcement’s Premier Credit Union Since 1936 • lapfcu.org • (877) 695-2732 0920-50 NOV Roll Call.indd 1
10/21/2020 4:37:13 PM