P.O. Box 10188
Van Nuys, CA 91410-0188
RETURN SERVICE REQUESTED
I’ve been a member for 33 years. I drove in from Temecula, walked in, conducted my business, and left. No lines, and the Associate was polite, professional, and quick in completing my transaction.
- Paulette H.
No one likes to think about what may happen when they’re gone, but having a will a will or trust helps preserve your wishes and protect your loved ones. Here’s why:
n Control Over Assets: A will allows you to specify who receives your assets, avoiding default state laws.
n Reduce Family Disputes: Clear instructions in a will minimizes potential conflicts among family members.
n Avoid Probate: A trust precludes the lengthy and costly probate process, avoiding unnecessary stress. .
n Care for Minor Children: A will lets you designate a guardian for your children if needed.
more quickly. We’re excited to offer a more stable system with reduced downtime. For updates and FAQs, visit lapfcu.org/update
Enhanced search filters will help you find information
LAPFCU’s new mobile and online banking arrives soon. With this update, you can enjoy a modern, userfriendly experience across all your devices. You’ll have access to over 30 customizable real-time account alerts that will be sent directly to your mobile phone.
n Protect Your Legacy: A trust helps manage and safeguard assets, especially for beneficiaries who might not be financially responsible.
n Peace of Mind: A will or trust ensures your wishes are honored and reduces legal stress for your loved ones.
Ensure a secure future for your loved ones
n LOW COST: Save hundreds or even thousands of dollars compared to hiring an attorney!
n CONVENIENT: Complete online in as little as 15 minutes
n EXPERT HELP: Personalized guidance is available
LAPFCU is constantly striving to improve services. Our goal with these efforts is to make things as seamless and personalized as possible for our members. That’s why we’re updating our mobile and online banking system.
We’re creating a more modern, intuitive experience. It’ll be easier to quickly find what you’re looking for and accomplish the most common transactions and tasks. You’ll be able to choose from more customizable, real-time alerts so that you always know the exact status of your finances. Also, there will be less system maintenance downtime so that you can bank anytime, anywhere.
We appreciate your patience, in advance, with getting accustomed to the new system. When you log in for the first time, you will need to enter certain information. A short video will walk you through a few simple steps. We recommend that you visit lapfcu.org/update for updates and more helpful information. Of course, if you have questions or need assistance, you can always call us at (877) 695-2732. Please note that you may encounter longer wait times while we assist other members when the new system comes online.
If you haven’t stopped by yet, we invite you to visit our newly remodeled Jesse A. Brewer branch at the Ahmanson Recruit Training Center. The updated branch is bright and modern with a look and feel consistent with our other branches. It’s inviting, more spacious, affords more privacy, and you’ll enjoy thoughtful touches like new amenities and displays. Yet, it retains elements of its heritage and the same high standards of member service that you deserve and expect from our associates. We hope to see you there soon!
Having a plan in place is especially important for those in law enforcement.
National Estate Planning Awareness Week takes place October 21 – 27. Having a plan in place is especially important for those in law enforcement. So, LAPFCU is doing its part by providing members with a 25% discount on estate planning services during the entire month of October. It’s easy to create your estate plan online via our partner Trust & Will. You’ll be guided step-by-step through the process, which takes about half an hour. If you have questions or need help along the way, assistance is available. Best of all, you’ll save hundreds or even thousands of dollars compared to working with an attorney.
An estate plan is critical because it minimizes taxes on income, gifts, and your overall estate. It protects your assets, avoids probate, protects beneficiaries and children, and it prevents disagreements because your wishes are documented. Without an estate plan, the state will make decisions about your estate – including medical decisions and who receives your assets. So don’t put it off—now is the best time to create your plan at lapfcu.org/trust
If you want to learn more, we encourage you to join our live estate planning webinar on October 16 at 6:00 p.m. Just visit lapfcu.org/webinar to register.
5.99% INTRO APR*
Need extra cash for home renovations, debt consolidation, or big expenses? A home equity line of credit (HELOC) might be your solution.
WHAT’S A HELOC?
A HELOC is a revolving credit line secured by your home’s equity. You can borrow up to 80% of your home’s value and only pay interest during the first 10 years.
QUESTIONS? We can help determine the best way to meet your needs. Call us at (877) 695-2732.
5.99% INTRO APR AND LOW PAYMENTS FOR 12 MONTHS FOLLOWED BY A VARIABLE 8.75% APR*
Enjoy a simple application process and personalized service with no closing costs or fees.
*APR=Annual Percentage Rate. 5.99% fixed introductory rate will continue for twelve (12) months. After the introductory rate period ends, a variable rate of 8.75% APR (effective rate date of September 20, 2024) based on your loan amount. The APR does not include costs other than interest. Loan amounts can range from a minimum of $25,000 to a maximum of $1 million, there is a minimum draw of $5,000 at funding, and up to maximum combined loan-to-value (CLTV) of 80% for owner-occupied or second-home properties located in California only. Variable rates may increase or decrease daily during the term of the agreement and is tied to the (WSJ) Prime Rate + 0.75% margin. Minimum rate of 2.90% and a maximum rate cap of 18%. Property hazard insurance is required. Closing costs are waived for loan amounts of $250,000 or less. For loan amounts greater than $250,000, the estimated closing costs can range from $2,000 to $3,000 depending on the loan amount. Fees apply for member-requested services, such as mobile notary, title changes, and solar documents on home equity lines of credit for amounts that are less than $250,000. All loans are subject to creditworthiness. $500.00 fee for early termination if closed prior to two (2) years. The HELOC term is 25 years (10-year draw period of interest only payments followed by a 15-year repay period of principal and interest payments). All rates and terms are subject to change without notice. This limited-time fixed introductory rate promo offer is subject to change or cancellation at any time and other restrictions may apply, ask for details.
n Monday, October 14 for Indigenous Peoples’ Day
n Monday, November 11 for Veterans Day
n Thursday, November 28 and Friday, November 29 for Thanksgiving ATMs, online and mobile banking available. 24/7 assistance at (877) 695-2732. TELL US WHAT YOU THINK: