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D EL TA A S S OC IA TION OF R E A L T O RS 速 Nov e mbe r 2013 |




Congratulations to Realtor Jerry Soto, Broker/Owner of Primo Real Estate, for his appointment to the DAR Board of Directors. Jerry was chosen by your Board from a list of six candidates to fill the position vacated by Andy Blasquez. Jerry has participated in the Budget & Finance Committee in the past, and we look forward to working with him in the next year. Remember: there will be another appointment to fill a seat in January as Director Errol Mooney moves to Treasurer. If you are interested in becoming a member of the Board and meet the criteria, please let Ron Keefer, John Bedford, or me know by mid- December.

particular transaction. This should include all e-mails, text conversations, and voice mails. Any files audited by the CalBRE that do not include these items will be considered out of compliance. This is also a good practice for Risk Management. Remember: If it’s not in writing (or audio), it didn’t happen.

C.A.R. Long Beach I just returned from the C.A.R. state meetings in Long Beach and would like to give you a quick snapshot of some of the many issues we will be facing, and other recommendations. The Bureau of Real Estate (BRE), formerly the DRE, has changed its name again and is now CalBRE. Please use this new designation on future correspondence. Business cards currently printed with your BRE number are OK to use, but should be changed moving forward.

Leslie Appleton-Young gave her predictions for the California market moving forward. She is predicting a leveling off of the price spike we saw this summer to something closer to a 3-5% annual gain for the next 3-5 years. This mirrors the same prediction that was recently given by Carol Rodoni.

Another recommendation (although not required) is that you have both the seller and buyer initial ALL pages of the NHD. Cases were brought up in which the page that dealt with a specific item that was being litigated “disappeared” from the file, as one party claims to have not received it. You own the file, and it is up to you to have it well documented. Be aware that your files should also contain ALL correspondence related to that DELTACURRENTS

“Pocket listings” were again a big topic of discussion. We were asked to pass on to the membership that in most cases pocket listings benefit the agent but NOT the seller, and are very difficult to defend if a problem arises in the transaction.

Beginning November 7 there will be a variety of new and updated forms in zipForms. One of the biggest to be aware of will be the new stand alone sellers multiple counter offer form. It will take the place of the current counter offer form if more than one party is involved. You will no longer be able to just check the box. Finally, as the market returns to “normal” (or something resembling that), check with for information pertaining to down payment assistance for first time home buyers. They are our future and our livelihood. See you at N.A.R Nov. 8-11 in San Francisco!

2013 OFFICERS Scott MacIntyre, President Ron Keefer, President-Elect James Britto, Treasurer Cecily Tippery, Immediate Past President John Bedford, Secretary

NOVEMBER 2013 Delta Association of REALTORS速 3428 Hillcrest Avenue, Suite 200, Antioch, CA 94531 Fax 925 757 8393

STAFF John Bedford, Association Executive Tonia Nielsen, Chief Operations Officer Jean Ruelas, Manager- Retail Operations

Delta Currents is the official monthly publication of the Delta Association of REALTORS速. Although every effort has been made to ensure the accuracy and thoroughness of this publication, errors may occur. DAR shall not be held liable for misinformation, typographical errors, omissions, and/or misprints in editorial and/or advertising materials. Delta Currents is published by Michelle Manos Design. To advertise in Delta Currents, contact Michelle Manos at 831 869 5084 or

Ron Greenslade, Chief Financial Officer Barbara Baham, Members Service Director


Phone 925 757 8283

2013 DIRECTORS Andy Blasquez Mary Jane Dukellis Cathie Marples Jodi Marfia Errol Mooney Lori Ogorchock Rena Provencio Ramesh Suman Lynn Valintis


Tuesday - Friday 8:00am - 5:00pm Monday 9:00am - 5:00pm



REALTOR® ACTION FUND . . . . Fighting for our Profession

Imagine for a moment that the California Association of REALTORS® did not have a Government Affairs Committee or REALTOR® Action Fund… The threats listed below could have affected the way you do business. The California Association of REALTORS® AVOIDED the 3% Independent Contractor Withholding AVOIDED Transfer Taxes AVOIDED Point of Sale Retrofits PRESERVED Access to Property Profiles

California Association of REALTORS® is currently working on avoiding increased recording fees, keeping the mortgage interest deduction, avoiding further point of sale fees, and impacting GSE and Mortgage Reform. The REALTOR® Action Fund helps to protect private property rights, homeownership, and YOUR business. To learn more visit: A very special thank you to our following members for their 2013 voluntary contributions to the REALTOR® Action Fund: California Silver Bear Contributors:

James Britto

Cecily Tippery

True Cost of Doing Business Contributors: Doris Bedford Mary Jane Dukellis Scott MacIntyre Cathie Marples

John Bedford Aaron Meadows

Jodi Marfia Rena Provencio

Voluntary $49 and more*:

Gary Agopian Kathleen Baisch Victoria Biskner Doreen Covarelli Oak Enomoto Monique Frost Kathryn Green* Bob Gunson Carol Gwin Margaret Hurtado Baklybrad Koski Monica Malcuit* Patrick McCarren Errol Mooney Kevin Parker Maureen Prince Jennifer Romiti Joy Scholtz* Michael Silva Gerald Soto Rodrigo Talavera Basker Veeraswami Cathleen Williams

Xenly Ancheta Lynda Bales* Sheri Bogosian Bob Daher Debra Farmer* Ralph Garrow, Jr.* Kelly Gonzalez Ken Guthrie* Shari Haag Missey James Lola Kreiser Lisa Manifold Dawn McCarty* Marta Morelli Keith Parrett* Karen Rayl-Holmes Jacque Sabella* Mark Schweller Patricia Silva Joan Soto Claudette Tomlin* Jean Weaver Nurdin Zein

Judith Austin* Dan Barnes James Carlson Jennifer Daubin Corrien Faso Raymond Gilmore Marisa Gonzalez Libby Guthrie* Laurie Hitchins* LeeAnn Knight* Bernie Lachney Matt Marples Joseph McMindes* Doris Munoz Diana Partain Don Rhodes Barbara Sanderson Jennifer Seidelman* Mark Skilling Christos Soukoulis Lynn Valintis Laurie Wexner

Akbar Badri Maria Bazinet Tique Caul* Sally Dinelli Jeffrey Freedman Eric Green* Richard Grijalva Mike Guzzardo* James Hopper* Ron Keefer Jong Lee* Jason McBride Marguerite Michel Dann Myers Gary Pope Matthew Roe Jessica Schoenthaler Donald Seitz Jennifer Sorrick Nathan Stockwell Carmen Isabel Vargas Valerie White

During the week of October 27 -31, you should receive a letter from DAR by regular postal mail requesting that you make a choice as to how you’d like to be billed for your membership dues and keys in 2014. The letter explains that you may choose between two payment plan options: annual billing or quarterly billing for 2014. Here’s what’s happening: We’ve made some exciting changes. For those choosing to pay their DAR membership dues in one lump sum, the annual amount has been lowered from $440 to $395. And for those members who prefer lower installment payments, we have changed to a quarterly payment plan* instead of the existing tri-annual payment plan. The quarterly plan consists of four payments, one each in January, April, July, and October. You can sit tight, do nothing, and wait to receive your invoice, if: 1. You are currently paying your association dues and keys on the existing installment basis

and want to continue with our new quarterly payments schedule. OR 2. You paid your 2013 dues in one lump sum and wish to do the same for your 2014 dues. Here’s the clincher: If you want to switch your payment plan you must choose it NO LATER THAN NOVEMBER 8, 2013. Finally, all members can choose to have automatic deductions from their credit cards. Go to the URL to access and print the Credit Card Authorization Form: http://www. CreditCardAuthorizationForm.pdf



For 2014, the EBRDI MLS Fee Schedule will also accommodate quarterly payments with their annual participation fee running at $480 or four payments of $150. *The quarterly DAR dues and key payment amounts include a convenience fee. Affiliate Members are being offered a similar optional payment plan.


These hand painted house portraits and notecards are the perfect client gift. They’re hand painted in a matter of a few days from the photo you provide. Notecards double as a marketing tool with agent’s contact info on the back.

We’re so confident that you’ll love our watercolors, they’re money back guaranteed. Now through August 15, take 50% off of your entire order. Visit to order. I wanted to let you know that I received the watercolor that you did for me. It looks great! I’m sure the seller of this property will be very pleased when I give it to them at closing.Thank you so much for doing a wonderful job. I’ve been in the real estate business for 24 years and this is the best closing gift I’ve seen. Steve Brunette, ERA 181 Sand Creek Road, Brentwood, CA 94513 (925) 308-5552


ANTIOCH/PITTSBURG/BAYPOINT Every Tuesday Delta Association of REALTORS® 3428 Hillcrest Avenue, Ste. 200, Antioch 8:30am • $2 For more information call Ramesh Suman, Majestic Homes, 779-1234, or Ralph Garrow Jr., Ralph Garrow Real Estate, 366-6676

DISCOVERY BAY/BYRON MARKETING MEETING & TOUR 1st and 3rd Tuesday Board Walk Grill at the Marina, Discovery Bay 9:00am • $1 For more information call LeeAnn Seamann 634-2224 at Marples & Associates Group does use Paragon to schedule homes on tour. Tours are Caravan and must be in by Noon on Monday.

OAKLEY/BETHEL ISLAND/ BRENTWOOD/KNIGHTSEN MARKETING MEETING & TOUR Every Wednesday Black Bear Diner, 3201 Main Street, Oakley • 8:30am • $2 For more information contact Dan Barnes, Tour Coordinator, 759-4648. Group will use Paragon to schedule homes on tour.

East County Insurance ANTIOCH 925 757 4208 2738 B W. Tregallas Rd. BRENTWOOD 925 240 1330 6440 Brentwood Blvd. All personal and commercial lines



CONTRA COSTA REALTORS® IN MOTION CONTRA COSTA NORTH Martinez, Pacheco, Pleasant Hill, Concord, Walnut Creek, Clayton, Clyde Every Tuesday 8:30am • $10 Centre Concord, 5298 Clayton Rd., Concord Doors open at 8am for breakfast

REALTORS® MARKETING ASSOCIATION CONTRA COSTA SOUTH Danville, San Ramon, Blackhawk, Diablo, Alamo Every Thursday San Ramon Community Center, 12501 Alcosta Blvd., San Ramon 8:30am • $5 Doors open at 8am for breakfast No formal tour

INFORMAL TOURS Martinez, Pacheco, Pleasant Hill, Concord, Walnut Creek, Clayton,Clyde, Rossmoor, Orinda, Lafayette, Moraga Tuesday between 9:00am and 2:00pm Danville, San Ramon, Blackhawk, Diablo, Alamo Thursday between 9:00am & 2:00pm

EBRDI Paragon Training Free to MLS Subscribers Steven Pean, Instructor Wednesday, Nov. 6, 2013 Paragon 5 Essentials 9 a.m. – 12 p.m. Become a CloudCMA Expert and other programs 1 p.m. – 4 p.m. To register call EBRDI at 363-2333 or logon to

New Members Orientation Wednesday, Nov. 13, 2013 8:30 a.m. – 12 noon To register call DAR office 757-8283

Power of Listings Workshop Tuesday, Nov. 12, 2013 9:00 am – 10am Registration 10:00 am – 1:00 pm Program To register contact Tony at 776-2740 or

The Keys to Writing a VA Contract Laura Cunha, Stonecrest Lending Thursday, November 14, 2013 12:00 pm – 1:00 pm To register contact 625-1471 or

925.628.6905 • Six years inspecting East County houses • Same-day reports • SUPRA lock box access • Fully insured, including REALTOR® coverage Mike and Shawn Stewart • Flexible scheduling • Competitive rates

GRI Class: Money Making Strategies for Success Wednesday, Nov. 20, 2013 8 a.m. – 5 p.m. To register call GRI at 888-785-4800 or visit New Members Orientation Wednesday, Dec. 11, 2013 8:30 a.m. – 12 noon To register call DAR office 757-8283


ASHI and CREIA Certified

ListingBook Will Give You the Keys To Sales Success This Fall! EBRDI Thursday, November 14, 2013 9:30 am – 12:00 pm REGISTER HERE

GRI Class: Technology Application in Real Estate Wednesday, Dec. 18, 2013 8 a.m. – 5 p.m. To register call GRI at 888-785-4800 or visit

All Classes are held at the Delta Association of REALTORS®,

Click for more information.

3428 Hillcrest Ave., Suite 200, Antioch, except as otherwise noted

LISTEN TO YOUR GUT If you have a bad feeling about a hotel, the location, the staff, or anything, listen to your gut. If something doesn’t seem right once you are in the room, listen to your instinct. If the staff or other visitors cause you concern, pay attention to your 6th sense. If the room is not in a secure location, ask for another room or change hotels. That funny feeling is your built-in survival mechanism. Listen to it. Do not question it. Do not try to apply logic to the situation. Do not be concerned about hurting the front desk clerk’s feelings, this is your safety. HAVE A COMMUNICATION/ITINERARY PLAN IN PLACE Be sure you have at least one emergency contact who will know your itinerary from the time you leave your local airport, or if driving, your route, your destination hotel, arrival times, event/trip schedule through the time that you get back home, and they should have the phone number and address of your hotel. Check in on a regular basis. Update your contact with where you are and your plans for the day. Make sure friends and family can reach out to your contact for updated information on your health, safety and whereabouts. Utilize technology. GPS-based apps allow you to set up a contact list for emergencies. If you are in danger, you press the button and they receive an e-mail or text alerting that you are in danger, as well as your location. They are then able to contact law enforcement officials with your location. Consider medical bracelets that contain details about your allergies and other important medical information. SECURE YOUR VALUABLES Utilize the hotel room safe or invest in diversion safes (a safe that looks like a book, can, or any other everyday item that hides your valuables). When you leave your hotel room, give the impression that you are in the room, even when you are not. Leave a lamp and your television on. Or you can even put the “Do Not Disturb” sign on your door when you leave your room but be sure to make arrangements with housekeeping if you still want your room serviced. Take your badge off when you are out and about Carry as few credit cards or debit cards on you as possible. Remember to carry a copy of your passport and your ID. Do not travel with expensive jewelry and do not openly flaunt or use your expensive electronics. If you have your smartphone out and visible, or your note book or net book, whether looking up information or taking pictures, the minute you are distracted, criminals are waiting to snatch these items from your grasp. SECURE YOUR ROOM Use all of the locks on the door whenever you are in the room, especially the deadbolt. You can also utilize the “Do Not Disturb” sign as hotel staff takes that very seriously, however it will not always deter a criminal. HAVE AN EMERGENCY ESCAPE ROUTE - Take the time to not only look at the map located on the back of every hotel/ motel room door, but also walk out into the hallway and look at the exit door. Make sure you know exactly where it is located. Imagine waking up to fire alarms and massive, blinding smoke. If you don’t already know where the exit doors are, you will not be able to find them in a crises situation.




Real estate agents have several opportunities to attend conventions throughout the year. Please review the following tips and make them a part of your “Safety Plan” while attending your next convention.

DELTA Association Members, new or seasoned, the list of membership benefits is staggering. Are you taking advantage of what’s being offered? Here are just a few in the Benefits Category involving training and education. • Training at the local association • Seminars in our conference center • MLS – Paragon Training

• Training, such as Learn My Way, offered by CAR • Forms Tutor and Forms Advisor, a CAR benefit for zipForm 6 • Mandatory Ethics Training for the Board of Directors, Grievance and Professional Standards Committees • Mandatory Ethics Training and Orientation to the Delta Association (for all new members)


Nov. 6

EBRDI Paragon 5 Essentials

9 a.m. - 12 noon

Nov. 6

EBRDI Become a CloudCMA expert

1 p.m. -

Nov. 6-7

NAR meeting San Francisco

Nov 11

DAR Closed Veterans Day

Nov. 12

Public Relations Committee Meeting

9 a.m. – 10 a.m.

Nov. 12

Budget & Finance Committee Meeting

10 a.m. - 11 a.m.

Nov. 13

New Members Orientation

8:30 a.m. - 12 noon

Nov 14

Local Government Relations Committee Meeting

9 a.m. - 10 a.m.

Nov. 14

EBRDI Listingbook

9:30 a.m. - 12 noon

Nov. 14

Executive Committee Meeting

12 noon - 2 p.m.

Nov. 15

The Keys to Writing a VA Contract

12 noon - 1 p.m.

Nov. 19

Business & Technology Committee Meeting

3:30 p.m. - 4:30 p.m.

Nov. 19

DRCSF Board Meeting

1:30 p.m. -

Nov 20

Bylaws Committee Meeting

10 a.m. - 11 a.m.

Nov. 20

GRI 106 Money marking Strategies for Success

8 a.m. -

Nov. 21

Board of Directors Meeting

9 a.m. - 11 a.m.

Nov. 27

DAR Closed Half Day

12 noon - 5 p.m.

Nov. 28 -29

DAR Closed

Dec. 11

New Members Orientation

8:30 a.m. – 12 noon

Dec. 12

Local Government Relations Committee Meeting

9 a.m. - 10 a.m.

Dec. 12

Holiday Open House

11:30 a.m. -

Dec. 17

Budget & Finance Committee Meeting

10 a.m. - 11 a.m.

Dec. 17

Delta Realtor Community Service Foundation

1:30 p.m. - 3 p.m.

Dec. 18

GRI 107 Technology Applications in Real Estate

8:30 a.m. -

Dec. 18

Business & Technology Committee Meeting

Dec. 19

Board of Directors

Dec. 24

DAR Closed - Christmas Eve

Dec. 25

DAR Closed - Christmas Day

Dec. 31

DAR Closed - New Year’s Eve

Jan. 1

DAR Closed - New Year’s Day

Jan. 8

New Members Orientation

8:30 a.m. – 12 noon

Jan. 9

DAR Installation Luncheon

11:30 a.m. -

Jan. 16

Local Government Relations Committee Meeting

Jan. 16

Executive Committee Meeting

12 noon -

Jan. 16

Strategic Planning Committee Meeting

2 p.m. -

Jan. 20

DAR Closed Martin Luther King Jr. Day

Jan. 21-25

C.A.R. Meetings San Diego

Jan. 21

Delta Realtor Community Service Foundation Board

1:30 p.m. -

Jan. 28

Budget & Finance Committee Meeting

10 a.m. - 11 a.m.

Jan. 30

Board of Directors Meeting

9 a.m. -

3 p.m.

5 p.m.

3 p.m.

5 p.m.

3:30 p.m. - 4:30 p.m. 11:30 a.m. - 2 p.m.

3 p.m.

9 a.m. - 10 a.m. 2 p.m.


4 p.m.

3 p.m.

3 p.m.

11 a.m.



deltacurrents PLACE YOUR AD IN



• DeltaCurrents is an eMagazine that features a link to your email and/or website. • AFFORDABLE RATES AND SIZES Preferred rates for DAR members! • CORE READERSHIP DeltaCurrents reaches some 1,000 REALTORS® and Affiliates in Eastern Contra Costa County - Antioch, Bay Point, Bethel Island, Brentwood, Byron, Discovery Bay, Knightsen, Pittsburg, and Oakley. • EDITORIAL Articles feature issues of importance to the real estate community, including information about national, state, and local real estate news, REALTOR® safety, legal

are free for advertisers! • DISTRIBUTION DeltaCurrents is emailed to REALTOR® and Affiliate members of the Delta Association of REALTORS® monthly. Twelve annual issues are available as downloadable PDF’s on the DAR’s website. •THE PUBLISHER Michelle Manos Design specializes in publishing periodicals and other publications for REALTOR® associations, nonprofit organizations, and many other businesses. The MMD team has over 40 years of experience in awardwinning publishing, marketing, and graphic design programs. MMD serves clients throughout California and the USA.



Email contracts and artwork to

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issues, special events, technology, education, philanthropy, and more. • FREE AD DESIGN Design services





7.5 X 5

3.65 X 10

3.5 x 2

3.65 X 5

Page size is 8.5” x 11” • Ad can bleed


8.5 x 11

January 2013 6-12 months

1-5 months

• Submit artwork as a pdf,tif, psd, or packaged InDesign file

Full Page



Half Page



• Space reservations and artwork are due the 25th of the prior month

Quarter Page



Business Card 10


• We will design your ad at no charge, and you may change it at no cost throughout your contract.

NON-MEMBER RATES (per month) 6-12 months

1-5 months

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Quarter Page



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deltacurrents is published for the Delta Association of REALTORS® by MICHELLE MANOS DESIGN. For advertising information, contact Michelle Manos at or 831 869 5084



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agrees as follows: Today’s Date Fax Email Website

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January 2013

• This agreement is subject to the following terms and conditions. The Advertiser has read and understands this Agreement and has received a copy. This constitutes the complete Agreement between Advertiser and Publisher. Verbal representations and promises made by the Advertiser or Publisher are not binding or valid. • The Advertiser understands and agrees that the advertising placement contracted for is immediately reserved for the Advertiser by the Publisher upon execution of this agreement. Cancellation of this agreement cannot be accepted in lieu of payment. • The Publisher reserves the right to refuse advertising for any reason. The liability of the Publisher for any error or omission or delay for which the Publisher may be held legally responsible shall not exceed the cost of the space or placement paid for by the Advertiser. • This agreement is with the named Advertiser. Change of ownership or management will not dissolve Advertiser’s obligations. • Artwork created by Michelle Manos Design is for the exclusive use in its publications. Consult Publisher for rates for other use. Space reservations and artwork are due by the 25th of the previous month. The previous issue’s advertisement will be published unless the Publisher is otherwise notified and new artwork received by the Publisher. We are pleased to assist our advertisers with preparation of their advertisements at no charge. We accept PayPal and checks. MAKE CHECKS PAYABLE TO MICHELLE MANOS DESIGN. Payment must be made in advance of publication. A 15% commission is applicable for recognized advertising agencies.

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deltacurrents is published for the Delta Association of REALTORS® by MICHELLE MANOS DESIGN.

For advertising information, contact Michelle Manos at or 831 869 5084.


        Help the REALTOR® COMMUNITY SERVICE                                 FOUNDATION     

                           “GIVE ‘TIL IT FEELS GOOD”   Your donation helps feed the hungry and homeless     

Members – DONATIONS NEEDED NOW!   CanTree food drive runs November 1st through December 17th     

Contest: the office that brings in the most cans will receive a ½ page add in the Real Estate Guide magazine.     

                DONATE YOUR CANS NOW!!                            REMEMBER, EVERY CAN COUNTS                         If you’re too busy to purchase cans – you can contribute cash.                        $.80 is equivalent to 1 can ‐ $20.00 is equivalent to 1 case.     

CanTree food and money donations need to be turned no later than    December 17, 2013 at 5:00pm.     

SPECIAL NOTE:  ALL CANS MUST BE BOXED!!  We cannot handle loose cans and sacks of cans.  Bring  your cans to the Delta Association of REALTORS®.   




Lizuarte Moniz Realty One Group Elite 5119 Lone Tree Way, Antioch 978-1100 FAX Geovanny Claros Warren Properties 761 Second St., Brentwood 513-1997 FAX 219-9574

MEMBERS ON THE MOVE Grant Sherman is now with JDK & Associates 50 Eagle Rock Way, Ste. D, Brentwood 418-4442 FAX 888-851-4246 Bonnie Briggs is now with Keller Williams 191 Sand Creek Rd. #100, Brentwood 634-0033 FAX 634-4427 Virginia Viera is now with Warren Properties & Assoc. 761 Second St., Brentwood, 513-1997 FAX 219-9574


REALTORS速 Tammie Taylor Keller Williams East County 191 Sand Creek Rd., Brentwood 634-0033 FAX 634-4427

Delta Association of Realtors®  

Holiday Open House

Thursday, December 12, 2013 • 11:30am – 3:00pm Delta Association of Realtors® 3428 Hillcrest Avenue, Antioch

RSVP 925-757-8283

H O L D I T AT T H E D E LTA A S S O C I AT I O N O F R E A LT O R S 速 . C A L L 9 2 5 7 5 7 8 2 8 3 F O R D E TA I L S .


KAPPAMap’s In stock at the DAR Store Alameda & Contra Cost Co.


San Joaquin Valley


(KAPPAMap’s are replacing the Thomas Guides)  

Listingbook Will Give You the Keys To Sales Success This Fall! The real estate market continues its surge, and new and existing clients want you to help them capitalize. Listingbook — the nation’s best collaborative client servicing platform — wants you to get your share of the hoard this fall, and is coming to your market to show you how. 

EBRD, in partnership with Listingbook, invites you to attend a free live event designed to help you to get the most out of your Listingbook account and to “Rake in Your Clients This Fall!”

Where you

and your money

belong Join

o nline


REALTORS® Federal Credit Union is dedicated to serving the financial needs of REALTORS® like you!

Savings & Investment Products

Not a Member? Not a Problem!

• • • •

All REALTORS® and immediate family members are eligible for lifetime membership!

REALTORS® FCU offers customized products & services to meet the unique financial and cash flow needs of REALTORS®. You deserve the freedom to manage your finances when and where you want to.


Traditional Savings Money Market Savings Industry leading Certificate Investments Traditional, Roth and SEP Individual Retirement Savings and Certificate Accounts

• F ree eChecking with MasterCard® Debit Card* with no minimum balance requirement • Fee-Free ATM Transactions at Thousands of CO-OP Network & CU24 ATMs

Join online today, here’s how: 1. Visit REALTORSFCU.ORG 2. Click “Membership” to learn more 3. Click “Membership Application” to get started

Have Questions? Call a Member Care representative 24-hours a day at 866.295.6038.

Lending to Fit Your Needs • Vehicle Loans • Personal Loans & Lines of Credit • Home Loans, Refinancing and Home Equity Lines of Credit

Your Own Virtual Branch • • • • •

Remote Check Deposit Online Bill Pay Electronic Internal & External Transfers Electronic Statements Alerts & Secure Messaging

Must meet REALTORS® Federal Credit Union (RFCU) membership eligibility. Membership requires opening and maintaining a primary share savings account with a $100 minimum balance. Rates, terms, conditions and services are subject to change. RFCU savings are federally insured by the National Credit Union Administration (NCUA). *No monthly service fee. Other fees may apply. Please refer to the Schedule GF1101 of Fees and Charges at REALTORSFCU.ORG for details.

Delta Currents November 2013  

Delta Currents November 2013

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