Table of Contents Key Information
Loan Accounts
About Your Former PRCU Accounts & Services
18 Home Purchase Loans 18 Refinance 18 Second Trust Deed Loans 18 Home Equity Lines-of-Credit 18 JUMBO Loans 19 Auto Loans 19 Motorcycle, Boat & RV Loans 19 Signature Loans 19 Lines-of-Credit 19 Secured Loans 20 Platinum Visa® Credit Cards 20 Platinum Rewards Visa® Credit Cards 20 Secured Visa® Cards 21 Loan Payments 21 Skip-A-Payment 22 Loan Protection Products
2 Welcome New Members 3 Card Access 4 Checks & ACH 5 Transfers 6 Phone Access 7 Online Banking 8 Bill Pay 9 Loan Accounts
Account Access 10 A Quick Guide to Services 11 NuVision Contact Center 11 NuVision Branches & Shared Branches 12 Online Banking 12 Mobile Banking & Check Deposit 12 Text Message Banking 12 NuVision Website 12 24/7 Phone Banking (ABIL) 13 Bill Pay 13 Direct Deposit 13 POP Money 13 Pre-Authorized Automatic Transfers
Deposit Accounts 14 Primary Savings 14 eSavings 14 Money Market 14 Youth Accounts 15 Checking Accounts 15 Teen Checking 15 Debit Card 15 Overdraft Protection 15 Bounce! Protection 16 Business Banking 17 Certificates 17 Retirement Accounts 17 Trust Accounts
Member Benefits & Perks 23 Insurance Programs 24 Investment Services 25 FinanceWorks 26 Additional Member Benefits 27 Loyalty Rewards
Community & Education 28 29 29 29 29 29
Community Service Youth Accounts Teen Checking School Branches Online Financial Education Summer Science Camp
Locations 30 NuVision Branch Locations
Important Documents Front Pocket • Notice of Key Dates • Notice of Key Changes to Deposit Products • Notice of Key Changes to Visa® Credit Cards • Deposit/Loan Account Names Comparison Chart
NOTE: All times referenced in this booklet reflect Pacific Standard Time (PST). 800.444.6327 | nuvisionfederal.org
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Welcome New Members Welcome to Easier Banking with NuVision Federal Credit Union! We’ve created this Welcome Kit to help you make a smooth transition to NuVision Federal Credit Union (NuVision). This Kit is your handy, all-in-one reference guide to your new credit union, explaining everything you need to know about how to access your accounts and perform transactions after we combine systems with Pacific Resource Credit Union on September 3, 2013. We encourage you to take a close look at the enclosed inserts to find key information about how your Pacific Resource accounts will transition to NuVision. And we hope you’ll check out the rest of the guide to see all the exciting financial products, services and benefits that will soon be available to you as a NuVision member-owner. It’s important that you review and retain the important information included in the front pocket of this Kit. At NuVision, we know you don’t have a lot of time to spend on banking. That’s why we’re dedicated to making your banking easier with anytime, anywhere account access along with personal service from our friendly, knowledgeable staff. • If you have any questions about the information in this book, please don’t hesitate to call us at 800.444.6327, email us at
[email protected], or visit your local NuVision branch or our website at nuvisionfederal.org. • If you have questions about your PRCU account prior to September 3rd, please call PRCU at 800.276.6024. We look forward to getting to know you and serving all your financial needs in the months ahead. Enjoy Life. Bank Easier.
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NuVision Federal Credit Union
Key Information - Card Access ATM and Debit Cards To make sure you have uninterrupted access to your money for ATM and store (Point of Sale) transactions, your PRCU ATM/debit card will continue to work with your same PIN until your current PRCU card expires. Shortly before expiration, you will receive a new card with the NuVision logo and a new PIN. You will be able to change your PIN by phone using the instructions (referenced in the PIN mailer), by visiting a NuVision branch or at an ATM owned and operated by NuVision. In addition, here are a few details we think you will really like: • Your ATM Card cash withdrawal limit will increase to $550 • Your combined daily debit card limit will increase to $5,050, which includes the following: • $1,500 PIN/POS transactions • $3,000 signature based purchases. • Your daily cash withdrawal limit will increase to $550. • You can make surcharge-free withdrawals at NuVision ATMs and at more than 28,000 nationwide surcharge-free ATMs within the CO-OP network. Find the closest one to you at nuvisionfederal.org or by using NuVision’s Easier Banking Mobile App. • You can also make deposits at select NuVision ATMs and also at deposit taking ATMs within the CO-OP network. Find the closest one to you at nuvisionfederal.org or by using NuVision’s Easier Banking Mobile App. • You can access 28 million Visa® merchants worldwide and via secure online shopping with Verified by Visa® (applicable to Visa® Debit Card only).
800.444.6327 | nuvisionfederal.org
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Key Info - Checks and ACH Your PRCU personal checks will remain valid and you may continue using them. When you reorder, your PRCU checks will be replaced with NuVision checks. When re-ordering checks please be sure to use your NuVision account number and 9-digit routing number, which is 322282399. If you have automatic payments, debits, or credits (including direct deposits and payroll deduction) set-up on your former PRCU accounts, you won’t need to make any changes. We’ll make sure your current payments, debits, and credits continue to be processed. When setting up any new scheduled payments, please be sure to use NuVision’s 9-digit routing number, which is 322282399. Important note: If your direct deposits or payroll deductions were set-up to automatically credit multiple PRCU accounts, the allocations to other accounts will continue to occur.
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NuVision Federal Credit Union
Key Information - Transfers Pre-Authorized Transfers Pre-authorized transfers set-up between your former PRCU accounts or from your account to another PRCU member’s account will continue to occur.
POP Money
- Sending Money Person to Person Will be unavailable on Thursday, August 22nd after 5pm. Any transfer/payments scheduled after this time will not be processed. After 6am on Tuesday, September 3rd you can access POP money through nuvisionfederal.org. All payees must be reestablished.
Funds Transfer Will be unavailable on Thursday, August 22nd after 5pm. Any transfer/payments scheduled after this time will not be processed. After 6am on Tuesday, September 3rd you can access Funds Transfer through nuvisionfederal.org. All payees must be reestablished.
Wire Transfers Friday, August 30th at 12pm is the last time you may initiate an outgoing wire transfer using the PRCU routing number. If you have scheduled recurring incoming wire transfers on your PRCU account, you’ll need to notify the other financial institution that effective Tuesday, September 3rd, your credit union routing and account numbers have changed. The 9-digit NuVision routing number is 322282399. Effective Tuesday, September 3rd, you should begin using the NuVision routing number 322282399 for incoming wire transfers. Be sure to include your name and NuVision account number. Do not use your PRCU routing number or account numbers, since that may cause a delay or rejection in the wire transfer of your funds.
Incoming Wire Transfers NuVision Federal Credit Union Routing # 322282399 Final Credit to Member’s full name (First and Last Name) Member’s NuVision account number Type of account (i.e., savings, checking)
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Key Information - Phone Access Phone Banking (PRCU’s Call-24) If you are currently using PRCU’s Call-24, here are some important details about accessing information from any touch-tone phone 24/7. • The PRCU Call-24 service will be discontinued Friday, August 30th at 4pm • Beginning Friday, August 30th at 4pm and ending Tuesday, September 3rd at 6am, you will be unable to access either PRCU’s Call-24 or NuVision’s 24/7 Phone Banking (ABIL).
NuVision’s 24/7 Phone Banking (ABIL) On Tuesday, September 3rd at 6am, the system transition will be complete and NuVision’s 24/7 Phone Banking will be available for you to use with your NuVision account number and your PRCU Call-24 PIN. Dial 800.444.6327 to get started or if assistance is needed. NuVision’s 24/7 Phone Banking prompts will then guide you through the new phone tree. Here is a sample of the phone tree prompts to get your account balance information. For ABIL telephone banking, press 1. To get started, press 1 • Please enter your account number followed by the # sign • Please enter your PIN followed by the # sign • Please wait while we verify your information You’re at the main menu. To access your accounts, press 1. You’re at the account access menu • For Balance Information and Account History, Press 1 • For Checking Accounts, press 2 • For Savings Accounts, press 3 • For Credit Cards, press 4 • For Certificates and IRAs, press 5 • For Mortgage Loans, press 6 To view the full ABIL Phone Tree Guide, please visit nuvisionfederal.org, select eBanking from the dropdown list and click on Bank by Phone.
Mobile Apps One of the great advantages of this merger is that you will now be able to bank whenever and wherever using NuVision’s Mobile Banking! Beginning Tuesday, September 3rd at 6am, NuVision’s mobile apps will be available for use at your fingertips. • If you are already an online banking user, please use your username and password at nuvisionfederal.org to access online banking. • If you are not already using online banking, please contact the Call Center at 800.444.6327 to receive a temporary password. Go to nuvisionfederal.org to enroll in online banking using your NuVision member number and temporary password. Once you are enrolled in online banking, visit your app store to download the FREE NuVision Easier Banking Mobile App for your iPhone, Android phone or iPad. Refer to page 12 for details and features.
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NuVision Federal Credit Union
Key Information - Online Banking PRCU Online Banking If you’re currently using PRCU’s Online Banking service, here are some important details about accessing your current online account.
Downtime • Beginning at 5pm Friday, August 30th and ending Tuesday, September 3rd at 6am, you will not be able to access either PRCU’s or NuVision’s Online Banking system. • Beginning Tuesday, September 3rd at 6am, the system transition will be complete and NuVision’s Online Banking will be available for you to use. At that time, you’ll be able to access your accounts and perform transactions through NuVision’s Online Banking. Any transactions posted on Tuesday, September 3rd and later will be available on this system. • Effective September 3rd you will be able to transact on accounts that you are listed as a joint. However, in order for you to view the information on the joint account you will need to access the account using the primary account owner’s User ID and Password.
Electronic Statements You’ll be happy to hear that NuVision’s eStatement service is free! To access the eStatement service, beginning Tuesday, September 3rd, log into NuVision’s Online Banking, click on “Additional Services,” then “Online Statements” and accept the agreement. If you were previously enrolled in PRCU’s eStatement service you’ll have access up to the last 13 months of your PRCU account history.
NuVision Online Banking NuVision’s Online Banking is simple to use, and is loaded with financial tools and helpful features for managing your money. Please refer to page 12 for details and visit nuvisionfederal.org to try them out for yourself.
NuVision Online Login Instructions To make the transition easier, your current PRCU User ID and Password can be used to access NuVision’s Online Banking. Go to nuvisionfederal.org to access online banking, and you will be asked the following to log into the system: • Username: Enter your PRCU User ID • Password: Enter your PRCU Password (case sensitive) At that time, you will be asked to register your computer/device with a one-time passcode.
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Key Information - Bill Pay PRCU Bill Pay If you are currently using PRCU’s bill payment service, here are some important details about accessing your currently scheduled bill payments. To make this transition a little easier for you, your active current payees will be transferred to NuVision’s Online Bill Pay during the data integration and will be ready for you to use beginning Tuesday, September 3rd at 6am.
Downtime • No new bill payees may be added to the PRCU bill payment system after Tuesday, August 26th at 6pm. • Access to your bill payees through the PRCU bill payment system will be discontinued beginning at 5:00 pm on Thursday, August 29th. • Beginning at 5:00 pm Thursday, August 29th and ending Tuesday, September 3rd at 6am, you will not be able to access either PRCU’s bill payment system or NuVision’s Bill Pay. • Scheduled payments during the blackout period will be processed. • Starting Tuesday, September 3rd at 6am, the system transition will be complete and you’ll be able to access your previously scheduled bill payments through NuVision’s Online Banking.
NuVision Bill Pay Once you use NuVision’s Bill Pay, you’ll wonder why you ever bothered with paper checks! Starting Tuesday, September 3rd, our favorite features will be available for you to use at your convenience. Important Note: Your bill payee information and history will be transferred over from the PRCU system to NuVision’s Online Bill Pay system.
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NuVision Federal Credit Union
Key Information - Loan Accounts PRCU Loan Information If you currently have a mortgage, home improvement loan, or other loan through PRCU, you can rest easy – generally there will be no changes in the terms or conditions of these loans triggered by the data integration. If you currently have a GAP or MRC policy through PRCU, your policy will stay in force, and will be honored with no changes.
Loan Payments Please begin using your new billing notice and include your new loan account number on your payment check to ensure correct processing. Continue sending your payments to the address that is listed on your billing notice until you receive your new billing information. After Saturday, August 31st, 2013, please send your loan payments to the address listed on your NuVision billing notice or forward to: NuVision Federal Credit Union P.O. Box 1220, Huntington Beach, CA 92647 For overnight: NuVision Federal Credit Union 7812 Edinger Avenue, Huntington Beach, CA 92647 Your previously scheduled loan payments from your PRCU account(s) will continue uninterrupted. Your current payments will continue as scheduled. Although your payments will continue as requested we do recommend that you update your new account information with all automatic setups you have coming into as well as out of your account.
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Easier Banking means…
Knowing how to get stuff done.
Card Holder Dispute
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Check Balance Bounce! Protection
(Courtesy Pay)
Check Deposit Cash Deposit
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Loan Application Order Debit Card Payment (External)1 Payment (Internal) 2 Request a Check Stop Payment Transfers
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Wire Transfers Withdrawals
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NuVision Call Center
NuVision 24/7 Phone Banking
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Shared Branch Location*
Card Activation
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NuVision 24/7 Mobile Banking
Account Opening
NuVision 24/7 Online Banking
Certain limitations and restrictions may apply.
NuVision Branch
Services Offered:
ATM
With NuVision, you have plenty of options to make deposits, withdrawals, and loan payments. And they’re all designed to let you do your banking whenever and wherever you want.
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*Services may vary by location 1
External Payment Transfer – Transfers made from accounts at other financial institutions to a NuVision loan account.
2
Internal Payment Transfer – Transfers made from accounts held at NuVision that you are eligible to make transfers from.
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NuVision Federal Credit Union
Easier Banking means…
Personal service with a smile.
NuVision Call Center Don’t have time to visit a branch? No problem… just give us a call. Our Call Center reps are ready and available to answer your questions or help with a transaction. Call us at 800.444.6327. M,T,Th,F: 8:00 am – 6:00 pm W: 9:00 am – 6:00 pm Sat: 8:30 am – 2:00 pm
NuVision Branches NuVision offers 10 all-access branches in Los Angeles and Orange County. Visit us Monday – Saturday at most branches. We’d love to see you! Branch addresses are included in the back of this book. Visit nuvisionfederal.org for branch hours of operation.
Shared Branch Locations Talk about convenience! You have access to over 6,800 branches nationwide! Credit unions share these branches, providing the conveniences of a NuVision branch no matter where you are. You can even conduct branch transactions at select 7-Eleven stores nationwide. On the go? For added convenience, visit cuswirl.com or call 888.287.9475 to find a branch near you, or use NuVision’s iPhone or Android app to find a shared branch just when you need it.
800.444.6327 | nuvisionfederal.org
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Easier Banking means…
We’re here 24/7.
Online Banking Accessing your account securely, at any time of the day or night, is at your fingertips with Anytime Online Banking. We use the most current encryption technology to ensure that your information remains confidential, giving you free reign to check balances, transfer funds, make payments, pay bills, set-up automatic alerts, and access additional financial tools like budgeting analysis and Turbo Tax.
Mobile Banking Access your account anywhere, anytime with NuVision’s Mobile Banking! NuVision’s free Easier Banking App is now available through the Apple App Store and Google Play Store. Our free iPhone, iPad, and Android apps are a mobile version of NuVision’s Online Banking designed specifically for use on mobile devices with a data plan. View your balances, pay bills, transfer funds, and find branches and ATMs.
Mobile Check Deposit Depositing a check just got a lot easier! Now you don’t even have to visit a branch… you can quickly and safely deposit checks into your NuVision account with just a few taps using your computer or phone. Mobile Check Deposit is now available for both Android and iPhone.
Text Message Banking Text Message Banking makes it easy to access account balances and transactions, right on your mobile phone. As simple as texting your friends, it’s the fastest way to get your balances – anytime, anywhere. You can also receive texts when your balances reach critical pre-determined milestones, such as a low balance alert on your checking account. Text Message Banking is fast, free,* and secure.
Website The NuVision website is our center of convenience. Not only can you get Instant Answers to almost any question you have, you can also apply for a loan, open new deposit products, and access your Online Banking to pay bills, make transfers, check balances, deposit checks, and more!
24/7 Phone Banking (ABIL) NuVision’s automated telephone response system is available 24-hours a day, 365 days a year. Use it to check account balances, verify checks have cleared, transfer money between accounts and more. It’s simple and convenient.
Apply For A Loan Apply online at nuvisionfederal.org. *Standard text message fees may apply.
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NuVision Federal Credit Union
Easier Banking means…
Digital payments and transfers.
Bill Pay What would you say to never writing checks to pay bills again? Or never needing extra stamps and envelopes? What about saving time and money? And never being worried about late charges again? If you said “yes”, then you want Anytime Online Bill Pay. With our electronic bill payment service, you call the shots. You set-up the payments. You decide when to pay them. Anytime Online Bill Pay does the rest, 24-hours a day, 365 days a year.
Direct Deposit Choose the convenience of automatically depositing your payroll and government checks directly into your savings or checking account each pay period. Even when you’re on vacation or away from home, funds are immediately available to pay bills, and for cash withdrawals. Set it up once and you’ll never have to worry about depositing or cashing your paycheck again.
POP Money - Sending Money Person to Person Need to send money to a family member? Or reimburse a friend? You can now send money electronically to anyone with just their email address, mobile phone number or their checking or savings account information. POP Money is easy, fast, and secure. Best of all, it’s available 24/7.
Pre-Authorized Automatic Transfers Using automatic transfer, we pay the NuVision loans you specify by transferring the payment amount from your checking or savings account on the payment due date. Automatic transfer eliminates the need to write checks or keep track of when payments are due. When you fund your loan, take advantage of extra discounts on your NuVision loan rates when you sign-up for automatic transfer from your NuVision checking account. You’ll never have to worry about late payments again.
800.444.6327 | nuvisionfederal.org
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Easier Banking means…
Saving money your way.
Primary Savings Your relationship with NuVision begins with a dividend-earning primary savings account. With an opening deposit of $5 or more, you gain access to all of our products and services, including checking, loans, mortgages and much more.
eSavings Looking for an easy way to automatically start saving while earning high dividends at the same time? NuVision is paying a great rate on our eSavings Plus Account. Paired with the convenience of automatic deposits, you can’t go wrong with this product only available online.
Money Market If you want to earn a better dividend rate without losing the ability to access your money, our Money Market account could very well be the answer. Just deposit a minimum of $2,500 and begin earning more for your money. Higher balances yield higher returns.
Youth Accounts Learning how to take care of your money is a skill that will be with you during every stage of your life. NuVision wants to help you teach your kids about their money. We’ve got special programs for elementary, middle, and high school ages. Easier banking begins now with no membership fees.
Club Accounts Instead of stressing out over high credit card bills and running short of cash, make summers and the holidays everything they were meant to be: warm and relaxing. How? By opening a NuVision Holiday or Summer Club account. Set-up an automatic transfer or direct deposit and the money will be deposited without you having to give it a second thought. Once a year, we’ll transfer the funds to your primary savings account, ready for you to spend. Choose summer or winter, or both!
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NuVision Federal Credit Union
Easier Banking means…
Your choice of checking accounts.
Free Checking Everything about our Free Checking account is simple. There are no minimum balance requirements…and everything is free, including the first order of checks! Even better, you can access your money with no fee at over 28,000 ATMs nationwide.
Interest Checking If you like a checking account that pays a little more, try our Interest Checking. You receive all the benefits of our free checking account and earn competitive dividends based on your balance. All you need to do is maintain a minimum balance of $2,500 or more to earn dividends and pay no monthly service charges.
Teen Checking If you are at least 13, NuVision thinks you are ready for a checking account (if your parents agree.) Start learning how to budget your money today. A NuVision Big Wave Savers FREE Checking account doesn’t require direct deposit or have minimum balance requirements. But it does give you the access and convenience you want in your Checking Account.
Debit Card Use your debit card for your next purchase instead of cash or checks. It’s welcome anywhere you see the Visa® symbol, and perfect for everyday purchases (like filling up the gas tank or grocery shopping), or special purchases (like buying a gift online or booking a vacation). You can also use your debit card to get cash from more than 28,000 surcharge-free ATMs nationwide. You can now create your own custom debit card design that reflects your own unique personality.
Overdraft Protection Avoid bounced checks for good! Overdraft protection automatically transfers available funds from your line-of-credit, savings, or money market account to your checking account to pay checks if funds are not available.* Overdraft transfers from your savings or money market account are limited to 6 per month. Overdraft transfers from your line-of-credit are unlimited.
Bounce! Protection Bounce! Protection can provide peace-of-mind should you overdraw your account. There is no additional cost to participate in the program other than the $30 fee incurred when an overdraft item is paid. This service can help you out in an emergency, and avoids the embarrassment of being declined while making a purchase.
*Fees may apply, see our Schedule of Fees and Charges for details.
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Easier Banking means…
Banking services for business owners.
Business Banking For over 75 years NuVision has been a pillar of financial strength and innovation in our communities. As your partner, NuVision will work for you behind the scenes to help you manage your business finances. We can help you grow your business, anticipate your future needs and provide you with reliable resources. We offer a complete line-up of value-driven financial services created exclusively for small to mid-size companies, including: • Business checking linked to credit lines and online bill pay • Remote check depositing • Money management savings account with tiered dividends • Merchant banking services • Working capital business loans • Commercial real estate loans • Business Visa® accounts In addition to lower fees and above average yields on deposits, your company will appreciate the high levels of convenience and online banking security that our acclaimed electronic delivery systems offer.
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NuVision Federal Credit Union
Easier Banking means…
Saving for a rainy day.
Certificates Certificate accounts help you earn money without risk. But you still want flexibility and security, and a good rate of return for your money. Pick the term and the amount to deposit, then sit back, relax and let our certificates do the rest. You can even get jumbo earnings on higher deposits for longer terms.
Retirement Accounts Today’s IRAs aren’t just for retirement. Of course, IRAs continue to be tax-sheltered investments to set aside money for the future, but now they can also pay for qualified education expenses or even your first home. NuVision offers a variety of ways to invest your IRA funds, from a savings account to certificates for Traditional, Roth, Education and SEP IRAs.
Trust Accounts Trust accounts can be useful tools when you’re planning for the future. When set up properly, they eliminate delays, costs and the unnecessary hassles that probate can cause. Check with your attorney to determine the best Trust for you. NuVision’s savings, checking, money market, and certificates accounts can all be included in a Living, Revocable or Irrevocable Trust.
800.444.6327 | nuvisionfederal.org
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Easier Banking means…
Mortgage loans that work for you.
Home Purchase Loans Whether you’re a first time buyer or an experienced pro, let NuVision guide you through the process with ease! Loan products available with only 3% down payment (on approved credit). We offer mortgage loan programs that are flexible, competitively priced, and have a variety of loan products tailored to suit your individual financial needs. Get the home of your dreams today!
Refinance Looking to reduce your monthly mortgage payment or consolidate your bills? We offer a range of choices in loan products that make it easy to refinance your existing home.
Second Trust Deed Loans The equity in your home can be used for more than just home improvements. There are numerous ways to utilize your home’s equity! Our fixed-rate Second Trust Deeds can be used for anything from a Recreational Vehicle purchase to consolidating bills to that dream vacation. Regardless of how you decide to use the equity, you may benefit from certain tax deductions (consult with your tax advisor) on the interest you pay.
Home Equity Lines-of-Credit The equity in your home can also be turned into a line-of-credit, giving you the ability to access your funds as you need them, over and over. Use your line-ofcredit to customize your home, take a vacation, or pay for college expenses. The possibilities are endless. Don’t forget to consult with your tax advisor to see if the interest you pay may be tax deductible.
JUMBO Loans A variety of financing options available with loan sizes up to $2 million. Visit nuvisionfederal.org for more details.
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NuVision Federal Credit Union
Easier Banking means…
Loans for every phase of life.
Auto Loans With flexible terms and low rates, NuVision’s new and used auto loans provide you with the perfect opportunity to purchase your vehicle of choice! You can even have your loan pre-approved making it easier to go shopping.
Motorcycle, Boat and RV Loans NuVision offers affordable loan options to help you “set sail” or “take to the open road.” Have your loan pre-approved and receive the benefit of low rates, a fast turn-around and payments that fit your needs.
Signature Loans Sometimes you need a little extra financial flexibility to take advantage of life’s opportunities. A signature loan is often the perfect solution. Our signature loans have flexible terms and low interest rates. You’ll even receive a rate reduction when you set-up automatic payment from your checking account.
Lines-of-Credit Our Line-of-Credit Signature Loan provides ready cash when you need it. As borrowed funds are repaid each month, they become available for you to borrow again. You decide how much to advance when you need it. Plus, this account may be used as Overdraft Protection for your Checking Account.
Secured Loans Don’t want to spend your hard earned cash? Your own savings can be your “lender” without having to withdraw any funds. Our secured loans use the money in your certificate or savings account as collateral and allow you to borrow up to the full amount that you have on deposit. With generous repayment terms and a rate that is lower than most other loans, you have access to the money you need without compromising the money you’ve saved or the interest you’re earning.
800.444.6327 | nuvisionfederal.org
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Easier Banking means… ®
Visa cards your way.
NuVision’s low rate credit cards make it easy to have it your way. We have 3 options for you to choose, all cards come with the ability to create your own custom design that reflects your unique personality.
Platinum Visa® Credit Cards Our traditional Platinum Visa® credit card offers worldwide acceptance and our lowest interest rate making this card ideal for members that want a lower monthly payment. It also includes: • 24/7 fraud protection • No liability for unauthorized charges • Secure access through Online Banking • Additional cards for family & friends at no cost
Platinum Rewards Visa® Credit Cards Our Platinum Rewards Visa® credit card offers worldwide acceptance and rewards in exchange for a little higher rate making this card ideal for members that don’t maintain a monthly balance. It also includes: • One point for every dollar in net retail purchases—in person, by phone, online or when you pay recurring monthly bills • Travel on major U.S. airlines, brand-name merchandise and gift cards from top retailers • 24/7 fraud protection • No liability for unauthorized charges • Secure access through Online Banking • Additional cards for family & friends at no cost—more opportunities to earn rewards!
Secured Visa® Cards Our Secured Visa® credit card offers worldwide acceptance and is a great way to manage and establish credit. It also includes: • Anyone can qualify • Pledged shares must equal 110% of credit limit • 24/7 fraud protection • No liability for unauthorized charges • Secure access through Online Banking • Additional cards for family & friends at no cost
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NuVision Federal Credit Union
Easier Banking means…
Easy payments.
Loan Payments NuVision offers a variety of convenient ways to repay your loans. Choose the ones that work for you, including: • Automatic transfer from your NuVision checking, which gives you additional rate discounts • Online Bill Pay • Mobile payments via our mobile app • Call Center • In person at any NuVision or shared branch • Via US Mail at: The address listed on your NuVision billing notice or forward to NuVision Federal Credit Union, 7812 Edinger Avenue, Huntington Beach, CA 92647
Skip-A-Payment Need extra money at the end of the month? Twice a year, NuVision offers eligible members the opportunity to skip payments on select loans. Keep a little more in your wallet during those expensive months in the summer and during the holidays. There is a small fee, and a few rules apply to be eligible for this perk, so be sure to check the details.
800.444.6327 | nuvisionfederal.org
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Easier Banking means…
Protecting your loans.
Loan Protection Products Protect your family by protecting your loan payments from the unexpected. With the following MEMBER’S CHOICE® Borrower Security plans, you can help protect yourself from burdensome expenses, even if the unexpected happens.
Involuntary Unemployment Coverage Involuntary Unemployment Protection is an optional coverage that cancels the loan payment in the event that either the covered member or co-borrower is involuntarily unemployed.
Disability Coverage Disability Protection is an optional coverage that cancels the loan payment in the event that either the covered member or co-borrower is unable to work due to illness or injury.
Life Coverage Life Protection is an optional coverage that cancels all or a portion of the loan in the event of death of either covered member or co-borrower.
Mechanical Repair Coverage Mechanical Repair Coverage provides protection against the high cost of vehicle repairs on both new and used vehicles after the manufacturer’s warranty has expired.
Your purchase of MEMBER’s CHOICE Borrower Security is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of MEMBER’s CHOICE Borrower Security. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid. MEMBER’S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except AK and CA, where coverage is administered by Virginia Surety Company, Inc., in WA, where coverage is administered by Automotive Warranty Services, Inc., in FL, LA , OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023) and in AZ, where the Obligor and Administrator is Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. In those states where MEMBER’S CHOICE® Mechanical Repair Coverage is offered as insurance (form MCCU-001-MBI) it is underwritten by Virginia Surety Company, Inc. CDCL-0713-49FB
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NuVision Federal Credit Union
Easier Banking means…
Easy insurance programs.
Auto, Homeowners, etc. NuVision makes quality products and services available to help meet your financial needs. Get exclusive member savings with discounts on a variety of polices.
Long-Term Care Insurance Protect yourselves and your loved ones with long-term care insurance. Anyone could need long-term care at any point in their lives due to an accident, illness or the natural aging process. Long-term care insurance helps provide peace-of-mind while protecting your assets and providing you with choices in your care options.
Medicare Suites At NuVision we continually look for ways to help meet the financial needs of all of our members, including our Medicare-eligible members. We’re aware that sorting out Medicare options can be confusing so we offer assistance to help you explore your Medicare options and make wise decisions based on your personal needs.
Accidental Death and Dismemberment Insurance (AD&D) You can help protect you and your family with an affordable supplement to life insurance that pays a cash benefit in the event of a covered injury or death due to an accident (restrictions apply).
TruStage™ Insurance products and programs are made available through TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company and other leading insurance companies. MAH-0713-A103.
800.444.6327 | nuvisionfederal.org
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Easier Banking means…
Making smart investments.
Investment Services To make wise investment choices you need to know about current and pending legislation, market and bond trends, and have a deep understanding of investing principles. But for many of us, committing that kind of time to research isn’t possible. That’s where our Financial Consultants can help. The experienced team of consultants will work with you to create a personal investment strategy to help you pursue your financial goals. Our extensive line of investment services includes: • Full Financial Planning and Analysis - Our experienced, Financial Consultants will evaluate your current savings, insurance and investment portfolio to create a personalized plan that works toward pursuing your financial goals. • Retirement Planning - We’ll discuss your retirement goals and strategies that may help you generate income for retirement. • Estate Planning - A well-organized plan may help you protect your assets and reduce estate taxes so you can leave as much as possible to your beneficiaries. • Education Savings Plan - Learn more about tax-advantaged accounts for school and college savings. • Mutual Funds, Annuities, IRAs, Stocks and Bonds - Financial Consultants can explain the advantages and disadvantages of various investment products to help determine which may be right for you.
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NuVision Federal Credit Union
Easier Banking means…
Keeping an eye on your bottom line.
FinanceWorks Get a complete financial picture of your accounts with FinanceWorks Balancing your checking account and sticking to a budget doesn’t have to be a mystery anymore. When you use NuVision’s FREE Online Banking budgeting tool, FinanceWorks, you’ll be monitoring all of your expenditures in real time, allowing you to make adjustments to your spending habits today to improve your financial picture for the future. FinanceWorks analyzes all of your transactions and automatically divides them into categories like rent, groceries or utilities. From the FinanceWorks home page, see a quick view of where you are spending your money, or click on any category of the pie chart to view all the transactions for that category, including the total number of transactions, the total amounts spent and a 4-month average.
800.444.6327 | nuvisionfederal.org
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Easier Banking means…
Special benefits for NuVision members.
Invest in America As a credit union member, you are eligible for select discounts on a wide variety of products, including GM autos, Sprint, Allied Van Lines, DirecTV, Dell, Macy, Target, and hundreds of others.
Financial Education • Online • Seminars and Webinars
Scholarships Every year NuVision awards scholarships to graduating high school and/or college students. Applicants must be a member in good standing, complete an application process, and write an essay. Applications are available online in the first quarter of each year.
Financial Fitness Today, with more financial obligations and many financial options, money management and credit issues may seem difficult and confusing. NuVision has partnered with BALANCE Financial Fitness Program to offer FREE services to Members, including consultations on general money management, credit and housing topics including goal setting, spending & savings plans, credit & credit reports, debt management, buying a first home, mortgage delinquency and foreclosure prevention.
Legal Services DAVID N. WEISS, Group Legal Service provides reduced rates when you need Advice concerning legal matters, including Accidents, Divorce, Custody/Support, Wills/Trust/ Probate, Business Matters/Adoption, Real Estate/Landlord-Tenant, and Civil Litigation.
Purchase Rewards Earn cash rewards and discounts just for using your NuVision debit card. It’s FREE to enroll in the service through your computer or phone, and rebates are credited directly to your NuVision checking account.
Autoland NuVision’s members have exclusive access to Autoland’s Advocar. This service offers the ability to view new and used vehicles, see side-by-side comparisons and determine which vehicle best suits your needs and your budget. If you have a car to sell, you can list it at no cost in Advocar’s classified ad section! Autoland’s auto buying service can save you money when purchasing a new or used vehicle.
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NuVision Federal Credit Union
Easier Banking means…
Being rewarded for your loyalty.
NuVision’s Loyalty Rewards program is designed for you, our most active members. Your continued business and support deserve to be rewarded with exclusive privileges. In addition to easier banking, your loyalty can earn you higher dividends, lower loan rates, and reduced fees on some of the services you use the most. Best of all, your rewards level is determined annually by your family’s combined household balances or product mix, so you can maximize your benefits. What Rewards Do I Get?
Benefits
Classic*
Excellence
Elite
Premier
Online Services n Online Banking n Bill Pay
n n
FREE FREE
n n
FREE FREE
n n
FREE FREE
n n
FREE FREE
Savings n Savings Low Balance Fee n Money Market Low Balance Fee
n $5 n $5
n $5 n $5
n FREE n $5
n n
FREE FREE
n 1st box FREE
n 1 box FREE/yr
n 2 boxes FREE/yr n
FREE
Checking n Checks
ATMs n NuVision ATMs n 28,000+ CO-OP ATMs n Point-of-Sale
FREE FREE FREE
n n n
FREE FREE FREE
n n n
n $2 n FREE
n $2 n FREE
n n
FREE FREE n FREE n FREE n FREE n FREE n FREE n FREE n FREE
n n
n n
n n
n $5
n $2.50
n $3 n Up to
n $3 n Up to
$1.50/$100
$1.50/$100
N/A
N/A
0.10%
0.15%
n N/A
n 0.05%
n 0.10%
n 0.15%
n $40
n $40
n
n n n
FREE FREE FREE
n n n
FREE FREE FREE
Additional Services n n n n n n n n n
Paper Statements Incoming Funds Transfers US Savings Bond Redemption Incoming Wire Transfers Withdrawal from IRA Savings EFT/ACH Transfers Cashier’s Check AMEX Gift Check Travelers Checks-Single & 2-Party
FREE FREE n FREE n FREE
FREE FREE n FREE n FREE
FREE FREE n FREE n FREE n FREE n FREE n FREE n FREE n FREE
Certificates Rate increase on new non-promotional certificates
Loans n Rate decrease on new non-promotional consumer loans** n HELOC Annual Fee
FREE
n
FREE
*All members whose balances do not qualify for Excellence, Elite or Premier Tiers. **Auto, Unsecured Closed-End Personal Loans, Unsecured Line-of-Credit 800.444.6327 | nuvisionfederal.org
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Easier Banking means…
Committing to the communities we serve.
Community Service NuVision’s Community Service team is committed to getting involved in the cities we serve to support our community and bring NuVision’s goodwill to our local charities and their causes. Here are some of the charities we have recently supported: • Leukemia & Lymphoma Society • Children’s Hospital of Orange County • Children’s Hospital of Los Angeles • Children’s Miracle Network • Colette’s Children’s Home • Toys for Tots • Project Self-Sufficiency • Summer Science Camp • Paralyzed Veterans of America • Huntington Beach Youth Shelter • David and Margaret Youth and Family Services
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NuVision Federal Credit Union
Easier Banking means…
Preparing our children for their futures.
Learning how to take care of your money is a skill that will be with you during every stage of your life. NuVision wants to be your partner as you help your children learn about money, offering a number of different ways you can work with your child/teen to progressively handle more financial responsibility.
Youth Accounts This program is for preschool, primary, middle school and high school students, because it’s never too early to start learning about how to manage your money. Parents and kids will learn the fundamentals together with this program. Take advantage of deposit products specifically designed for young children, along with extras like newsletters, visits to the Treasure Chest, and a variety of educational websites filled with games geared to a variety of ages.
Teen Checking At 13, many teens are ready for a checking account. Working with their parents, teens can learn how to budget their money before they leave for college. A NuVision Big Wave Savers FREE Checking account doesn’t require direct deposit or have minimum balance requirements. But it does give teens the access and convenience they want in their Checking Account, including debit card, online banking, and Bill Pay.
School Branches NuVision partners with local elementary schools to provide on-campus branch visits along with financial education geared to each grade level. Students, parents, and staff are welcome to make their deposits at the convenience of their own schools.
Online Financial Education Get tips from experts to help your children learn how to manage their money. NuVision’s website offers links to a wide variety of websites that provide financial education for all ages, from pre-school to adults. Learn about finances in a fun, easy to understand venue.
Summer Science Camp Every July, NuVision partners with Boeing, Sempra Energy and Team Science to promote life-long learning for students in math, science, technology, and engineering by creating a fun and exciting environment of hands-on experimentation, discovery and innovation.
800.444.6327 | nuvisionfederal.org
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NuVision Federal Credit Union Locations orange county Branches
los angeles county Branches
Costa Mesa Branch
Lakewood Branch
(Harbor Mesa Center) 3195 Harbor Boulevard, Suite 1 Costa Mesa, CA 92626
2660 Carson Street Lakewood, CA 90712
Bolsa Branch 5912 Bolsa Avenue, Suite 100 Huntington Beach, CA 92649
Edinger Branch 7812 Edinger Avenue Huntington Beach, CA 92647
Huntington Beach Express Service Center* Building 11-1/Employee Service Center Huntington Beach, CA 92647
Magnolia Branch 20100 Magnolia Street Huntington Beach, CA 92646
Laguna Hills Branch 23020 Lake Forest Drive Laguna Hills, CA 92653
Leisure World Branch Leisure World Residents Only 1419 (A) Northwood Road Seal Beach, CA 90740
La Verne Branch (Inside Vons Supermarket) 1600 Foothill Boulevard La Verne, CA 91750
Long Beach Express Service Center* Building 54/Boeing Employee Store Long Beach, CA 90805
Carson Branch 2350 East 223rd Street Carson, CA 90810
Downtown Los Angeles Branch (Inside Gas Company Tower) 555 W. Fifth Street, CC-25 Los Angeles, CA 90013
Monterey Park Branch 2095 S. Atlantic Boulevard Monterey Park, CA 91754
Arizona Branch* 5000 East McDowell Road, Building 540 Mesa, AZ 85215
* Badge required. 30
NuVision Federal Credit Union
Notes
800.444.6327 | nuvisionfederal.org
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Notes
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NuVision Federal Credit Union
