FEBRUARY • 2024 (877)695-2732 • lapfcu.org Pay down debt faster. Transfer your credit card balances to us and SAVE! It’s easy! 0.00% APR FOR 12 MONTHS ON BALANCE TRANSFERS! COMPLIMENTARY DEBT PROTECTION LAPFCU offers End of Watch Debt Protection, which cancels up to a combined $850,000 of LAPFCU loans/lines of credit at no cost if you pass away in the line of duty. APPLY NOW >Tap Cards >VISA My Card Info >Balance Transfer LAPFCU APP ONLINE BANKING >Click VISA My Card Info >Account Info >Balance Transfer Hurry—offer ends May 10! Don’t have a credit card with us? Apply now for low rates, no annual fee, and rewards! Questions? Call (877) 695-2732 1Webinar times and dates subject to change or cancellation at any time. FREE WEBINAR SMARTER HOMEBUYING WEDNESDAY, MARCH 13 | 6:00-7:00 P.M. PDT1 Whether you’re considering buying your first home, next home, retirement home, or investment property, one hour of education can help save you thousands of dollars and avoid painful mistakes. This live webinar will help you navigate the homebuying process in today’s market, explore how you can afford a home right now, and make informed decisions. You’ll have the opportunity to ask our experts questions at the end of the presentation. FIND YOUR HOME REAL ESTATE WITH REAL REWARDS MORE INFO REGISTER NOW View listings, get a wealth of information, and find a highly qualified agent for FREE with our partner, HomeAdvantage®. Get cash rewards when you buy or sell with an expert network agent. LAPFCU members save an average of $2,300 with this service. MORE INF0
Pursue the education you want. Our scholarship programs can help you realize your dreams.
TRADITIONAL SCHOLARSHIP
3 Unlocking opportunities for our future leaders
3 Open to LAPFCU members ages 17-22
LAW ENFORCEMENT SCHOLARSHIP
3 Empowering our law enforcement community for a safer tomorrow
3 Open to Cadets, Explorers, or equivalent/LAPFCU members ages 17-22
EACH program awards:
3 One Grand Prize: $6,000
3 Up to eight Excellent Achievement Awards: $4,500
SKIP-A-PAYMENT
Our Skip-a-Payment program gives you some breathing room to recover from holiday expenses. Get financial relief when you need it most. To skip a payment, log in to view your eligible loans and choose your month.
IMPORTANT:
If you want to skip a loan payment and you currently have a scheduled automatic payment or ACH from
financial institution, you must call us at (877) 695-2732 to arrange your skipped payment. Otherwise, the loan payment will still be made.
Please note: Personal lines of
home equity lines of credit, and mortgage loans are not eligible for our Skip-a-Payment program.
Shape up your finances with help from our education partner, BALANCE. A certified financial coach can help you create a budget, lower debt, and increase your savings for FREE. They can also help you improve your credit score!
n One-on-one personal coaching n Webinars and podcasts about debt consolidation, auto buying, money management, and more
n Interactive personal finance modules
Apply online starting February 5
UP TO $6,000 FOR YOUR EDUCATION!*
GET
DEADLINE: April 2, 2024! APPLICATION & INFORMATION TAKE A MONTH OFF FROM LOAN PAYMENTS! n LAPFCU APP >> More >> Skip-A-Pay n ONLINE BANKING >> Services >> Skip-A-Pay
Call
(888)
n MyBalance budgeting tool to help manage your money
BALANCE today at
456-2227.
another
(877) 695-2732 • lapfcu.org
credit,
GET FINANCIALLY FIT WITH A PERSONAL COACH LEARN MORE SET UP A FREE ACCOUNT
MAKE YOUR 2023 ANNUAL IRA CONTRIBUTIONS NOW!
An Individual Retirement Account (IRA) is a smart way to put pre-tax dollars to work to build a comfortable retirement. Contribution benefits include tax deductions, tax-deferred or tax-free growth on earnings, and tax credits, if you’re eligible. The deductibility of your contributions is determined by your income and your tax-filing status. Please consult your tax advisor.
2023 contribution limits:
n $6,500 for 49 and younger
n $7,500 for 50 and older
n If filing jointly, each spouse may contribute according to the limits above. Total contribution cannot exceed your reported income after taxes.
Contribute via online banking:
n lapfcu.org > Services > Forms
APRIL 15
is the deadline to make Roth and Traditional IRA 2023 contributions
n Choose Traditional IRA Contribution and Investment Selection Form or Roth IRA Contributions Form
You can also contribute at your closest LAPFCU branch
IRS SECURITY TIP
A phone call, email, or social media message claiming to be from the IRS is probably a scam. The IRS will mail a bill if you owe money. Report suspected tax fraud or an IRS-related scam attempt immediately at (800) 829-0433 or email phishing@irs.gov
Visit irs.gov for more details.
1098 and 1099 tax forms available: lapfcu.org > Services > e-Statements and e-Disclosures.
Need a new ride? Save time and energy with LAPFCU’s free concierge auto-buying service. Just tell Autoland what you want and your price range, and your personal consultant will take it from there. Once they help you find the right vehicle at a fair price, they’ll deliver your new ride to you, and even handle your trade in. No dealership stress or haggling.
Selling a car? They can help with that, too. Call Autoland at (800) 234-6999 to get started.
GET LOWER RATES
Log in to our app to see if you’re preapproved or apply now 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.
I’ve never had a bad
They offer competitive rates. It’s a great place to bank!”
-Mike H.
HOLIDAY CLOSURES Branches will be closed Monday, February 19 for Presidents Day. ATMs, online and mobile banking available. 24/7 assistance at (877) 695-2732.
PERFECT VEHICLE!
FIND THE
APPLY NOW 1223-024 (877) 695-2732 • lapfcu.org
business with LAPFCU.
FROM OUR MEMBERS “I’ve been a Credit Union member for 10 years.
experience doing
WHAT
TO HEAR FROM
TELL US
YOU THINK MARKETING@LAPFCU.ORG . WE’D LOVE
YOU!
