North Island Credit Union Spring 2018

northisland.ccu.com

COMPLETE RATE AND TERM DETAILS NORTHISLAND.CCU.COM/AUTOLOANEVENT

SHOP SMARTER SAVE BIGGER

Purchase your vehicle through our auto buying services and get an auto loan rate as low as

annual percentage rate1.39%

In the Community

• California Credit Union was a Grand Reserve Sponsor of the 2018 Credit Unions for Kids Wine Auction held on Friday, March 9, 2018 at the Ritz-Carlton Laguna Niguel. Since 2006, the Credit Unions for Kids Wine Auction has raised $6.1 million to help children treated at Children’s Miracle Network Hospitals in California and Nevada.

• North Island Credit Union was a contributing sponsor of the Annual RunEC St. Patrick’s Day Half Marathon inElCajon,CAonSunday,March4,2018.Themarathonbenefitslocalnon-profitorganizations,specificallySt.Madeleine Sophie’s Center and Partnerships with Industry.

• California Credit Union and North Island Credit Union accepted applications for the Annual Scholarship Program to award 10 scholarships of $1,000 each in the Greater Los Angeles area and 10 scholarships of $1,000 each in the Greater San Diego/ Riverside area to college-bound high school seniors, community college students transferring to a four-year university, and adult students returning to college. The scholarship application deadline was March 16. Winners will be announced on March 30.

LEARN MORE AT NORTHISLAND.CCU.COM/FINANCIALEDUCATION

Solutions and education you need to secure a stronger financial future.

Financial Education Center

northisland.ccu.com / fmc

FinancialManagementCenter

Take control of your financial future. Resources, News, Calculators, and more.

A message from the CEOAt North Island Credit Union, we believe that providing an extraordinary banking experience goes beyond our great rates, low fees, full-service products, and easy accountaccess.That’swhywecontinuetoenhanceourexistingofferingsandinvestinnew programs to ensure our members have the tools they need to succeed. We are here for you and your family through every stage in your life, whether you’re just starting out, buyingyourfirsthome,orplanningforretirement.

Over the next few months, our team will introduce a new suite of tools to help you reach yourfinancialgoals.Thesenewopportunitiesareavailableasonlineaudioandvisualmodules,financialplanningcalculators,digitalresourcesandmore.Iinviteyoutotakeadvantage of the following new resources:

• Money Management: We want you to have all of the tools you need to budget your money and watch your spending. That’s why we just introduced our new Money Management Planning Tool in Digital Banking. This interactive program allows you to budget your resources, create personalized alerts, and track your progress to your financialobjectives.SignontoDigitalBankingandstarttoday.

• Financial Management Center: You’ll appreciate this comprehensive suite of financialplanningresourcestohelpyoumanage your funds through all stages of life in our new Financial Management Center. This portal has a variety of planningtoolsincluding:calculators,informativearticlesanddirectcontactwithourknowledgeablefinancialadvisors.Visit today at: northisland.ccu.com/fmc.

• Financial Education Center: You now have access to our new online Financial Education Center complete with interactive modules that provide educational insight into checking and savings account basics, managing your credit, obtaining a home loan and planning for retirement. Visit this new site today at: northisland.ccu.com/financialeducation.

• Home Rewards: Available in late April, you will have access to property listings on the MLS and qualify to receive a cash rebate of up to 25% on the real estate agent’s commission when you buy and sell a home through one of our Home Rewards participating agents. Watch for this new program available on our website soon.

Wehopethatyouwilltakeadvantageofthesenewresourcesandlookforwardtosupportingyoureffortsinachievingyourfinancialgoals.Wewishyouandyourfamilyawonderfulspringseasonfilledwithgrowthandrenewal.With gratitude,

Steve O’Connell | President, CEO

Federally insured by

NCUA

Please ensure that we have your current email address on file to receive this newsletter electronically.

Practical Finance: Tips for creating a budget and sticking to it

It’s a common problem for many individuals — wondering exactly where your paycheck goes each month. After paying expenses,suchasyourmortgage,utilities,andcreditcardbills,youmayfindlittlelefttoputtowardanythingelse.

Creatingabudget is thefirstkey tosuccessfullymanageyourfinances.Knowingexactlyhowyouarespendingyourmoneyeachmonthcansetyouonamoreclearpathtopursueyourfinancialgoals.Ifyoubecomesidetrackedwhenitcomestoyourfinances,considerthesetipsforcreatingabudgetandstayingontherightpath.

Examine your financial goals. Start out by making a list of your short-term goals (e.g., new car, vacation) and long-term goals (e.g, your child’s college education, retirement) and prioritize them. Consider how much you will need to save and how long it will take to reach each goal.

Identify your current monthly income and expenses. Add up all of your income. In addition to your regular salary and wages, be sure to include other types of income, such as dividends, interest, and child support. Next, add up all of your expenses. Sometimes it helps to divide expenses into two categories: fixed (e.g., housing, food, transportation) anddiscretionary(e.g.,entertainment,vacations).Don’tforgettofactorinanyfinancialgoalsyouwouldliketopursue.

Evaluate your budget. Once you’ve added your income and expenses, compare the two totals. Ideally, you should be spending less than you earn. If this is the case, you’re on the right track, and you’ll need to look at how well you use your extraincometowardachievingyourfinancialgoals.Ontheotherhand,ifyouarespendingmorethanyouearn,youshouldmake some adjustments to your budget. Look for ways to increase your income or reduce your expenses, or both.

Monitor your budget. Finally, you should monitor your budget periodically and make changes when necessary. Keep in mindthatanybudgetthatistoorigidislikelytofail.Keepyourbudgetflexibleasyourchangingcircumstancesdemand.

California Credit Union, P.O. Box 29100, Glendale, CA 91209 (800) 334-8788

Your Credit Union Family North Island and California Credit Union have united into one trusted financial partner, offering competitively pricedproducts, innovative services, and personalized solutions.

Financial Management Center

Financial planning isn’t just for long-term goals like retirement. It’s just as valuable in helping you plan your month-to-month expensesandshort-termobjectiveslikevacationsorsavingforafirsthome.

Use our financial tools to:• LearnmoreaboutyourfinancialindependencethroughtheCFS*onlinemodules.• Createapersonalizedroadmaptohelpyouachieveyourfinancialgoals.• Attend an informative seminar held in your community• Schedule a no-cost, no-obligation appointmentwith one of our experienced financial advisors, registered throughCUSOFinancialServices,L.P.(CFS)*

Visit the Financial Management Center at northisland.ccu.com/fmc

*Non-depositinvestmentproductsandservicesareofferedthroughCUSOFinancialServices,L.P.(“CFS”),aregisteredbroker-dealer(MemberFINRA/SIPC)andSECRegisteredInvestmentAdvisor.ProductsofferedthroughCFS:arenotNCUA/NCUSIForotherwisefederallyinsured,arenotguaranteesor obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to credit union members.

Annual Teacher Grant Our community program was designed to support teachers who make a difference by fundinginnovative learning opportunities for their students. Since the creation of the program in 2012, more than $65,000 has been awarded to schools throughout Los Angeles and San Diego Counties and continuestokeepmakingadifferencetoday.Schoolsbenefitingfromlastyear’sprogramusedthesegrant funds towards initiatives such as special education, business concepts, solar energy, water conservation and literacy. The Spring 2018 Teacher Grant deadline is April 6, 2018. Apply online today at northisland.ccu.com/teachergrant

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