LAPFCU November Roll Call 2023

NOVEMBER • 2023

MAKE THE

HOLIDAYS MERRIER! Unwrap incredible holiday bonus rewards when you use your Platinum Visa® credit card through the end of the year. Whether you’re purchasing gifts or buying what you need, keep your Platinum card at the top of your virtual wallet for easy, contactless payments and maximum rewards!

Holiday Bonus Reward Points Schedule 11/13 – 11/25

5 points for every $1 spent on groceries!

11/26 – 12/11

3 points for every $1 spent on department store purchases!

12/12 – 12/31

2 points for every $1 spent on everything!

UNLOCK REWARDS & BENEFITS!

GET THE CARD THAT KEEPS GIVING LAPFCU’s Platinum Rewards Visa® offers you a low rate and gives you perks all year. n

APPLY NOW HOLIDAY CLOSURES

GET STARTED NOW

0% APR for 6 months for new cardholders, followed by a variable rate as low as 13.65% to 17.90% APR, and no balance transfer fees!

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Premium benefits: • NortonLifeLock identity-theft

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Rewards points with each purchase, redeemable for cash, travel, and more all year long.

• Auto rental collision damage waiver

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Card management controls—use the LAPFCU app to turn your card off/on, set alerts and spending limits and more, anytime, anywhere.

• Travel accident insurance

• Travel/emergency assistance services

Branches will be closed Friday, November 10 for Veterans Day, and Thursday, November 23, and Friday, November 24 for Thanksgiving.

ATMs, online and mobile banking available. 24/7 assistance at (877) 695-2732.

(877) 695-2732 • lapfcu.org

SMART HOLIDAY SPENDING May your holiday season be filled with reasons to celebrate. This year, maybe you purchased a home, got a new job, started a family, or opened your first-ever savings account. No matter how big or small the milestone, you deserve to recognize your accomplishments.

However, don’t let celebration costs distract from your financial goals. Small purchases add up, from the ingredients for your favorite Thanksgiving meal to holiday decorations. LAPFCU can help you manage seasonal spending wisely and enhance your financial security.

USE OUR APP ON THE GO • Securely view account activity • Check balances, pay bills, transfer funds • Send/receive money instantly with Zelle® • Deposit checks • Set account and transaction alerts • Locate the nearest ATM or branch SAFETY & SHOPPING TIPS • Use Card Controls to instantly lock your LAPFCU credit/debit cards if they’re lost, stolen, or inactive. Plus, set transaction alerts for low balances and large withdrawals.

• Add your LAPFCU credit or debit card to your mobile wallet and make it your default card for easier, more secure, and contactless payments.

• Monitor your transactions for unauthorized activity.

• Plan purchases in advance so you can compare prices.

• Take advantage of credit card rewards programs, such as our Visa® Platinum Rewards Holiday Bonus Points.

• Look for deals and discounts or consider homemade gifts.

For more tips, visit our Security Center.

PLAN AHEAD FOR NEXT YEAR • As the new year begins, set aside money each month specifically for holiday shopping with our Merry Money Savings Account. A small amount from each paycheck or per month goes a long way.

If you save $20 per pay period, you’ll have about $500 by November without making major budget changes.

• Keep a running list of gifts that are perfect for your loved ones and look for sales throughout the year.

TAKE A MONTH OFF FROM BILLS! If year-end expenses are taking a toll on you or you just want some extra breathing room in your budget, take advantage of our loan skip-a-payment program.

TO SKIP A PAYMENT, LOG IN TO VIEW YOUR ELIGIBLE LOANS AND CHOOSE YOUR MONTH. n

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LAPFCU App >> More >> Skip-A-Pay PATROL Online Banking >> Services >> Skip-A-Pay

Please note: If you want to skip a loan payment, and you currently have a scheduled automatic payment or ACH from another financial institution, you must call us at (877) 695-2732 to arrange your skipped payment.

Otherwise, the loan payment will still be made.

DOWNLOAD OUR APP • Tap Sign up to create your log in credentials, which are universal for both mobile and online banking.

(877) 695-2732 • lapfcu.org

FIND YOUR DREAM CAR! Need a new car, truck, or SUV? Autoland can steer you in the right direction! View thousands of new or used vehicles online with LAPFCU’s free concierge auto-buying service.

APPLY NOW

Your personal Autoland consultant will:

CONSOLIDATE. THEN CELEBRATE! SMART SOLUTIONS START WITH HOME EQUITY

Finding yourself with surprise bills or extra expenses that don’t fit in your budget? Consider a home equity loan or line of credit, which is an affordable and simple way to: Consolidate debt: If you have a variable-rate credit card or loan, today’s high-rate environment means higher payments n Remodel/repair your home n Pay for ANY need n

Why Use Home Equity? n

Borrow up to 80 percent of your home’s equity

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Easy process, quick turnaround time

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One payment Questions? We can help determine the best way to meet your needs!

Call (877) 695-2732 or book a virtual appointment today!

INCLUDES COMPLIMENTARY END OF WATCH DEBT PROTECTION!

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Guide you through a painless auto-buying process

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Help you select the right vehicle

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Give you a fair price

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Deliver your vehicle to you

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Take your trade-in

To get started click here or call Autoland at (800) 234-6999.

GET LOW RATES WITH LAPFCU Log in to our app to see if you’re pre-approved or apply now at loans.lapfcu.org and instantly find out how much you can save. Plus, get a 0.50% APR* discount on an auto loan when you qualify for our Member BenefitsSM program.

DON’T MISS OUT—HOLIDAY CASH PACKS! IN-BRANCH SALES START DECEMBER 4

Stop by an LAPFCU branch to purchase your holiday cash packs starting Monday, December 4, while supplies last.

We’ll have a dedicated line for cash pack sales.

These wildly popular checkbook-style packs of fresh, new $1, $2, and $5 bills are the perfect gift for everyone on your list. Remember, cash packs make great gifts for special occasions throughout the year, like graduations or birthdays.

FROM OUR MEMBERS

“I’m glad I chose to do all my banking with LAPFCU. I always receive excellent customer service, better than at other banks. Staff members are professional, but friendly. I feel comfortable asking questions, knowing they’ll take the time to answer them. They also know what’s important to me as a law enforcement officer.”

-Alma M. HAVE SOMETHING YOU WANT TO TELL US? EMAIL US AT MARKETING@LAPFCU.ORG. WE’D LOVE TO HEAR FROM YOU!

(877) 695-2732 • lapfcu.org 0923-078