Easy Money - Q1 2020 eNewsletter

WE ARE GOING GREEN! 

Welcome to CBC's new eNewsletter! Visit to get the latest news about what's going on in and around CBC Federal Credit Union. Simply click the topics below to browse the featured articles.

  • 2019: A Year in Review

     

    Looking back, 2019 has been a momentous year for CBC and its members. CBC consistently strives to provide its members with a unique experience and in 2019 we did just that. We have showcased ourselves by introducing innovative partnerships, new product offerings, and a better member experience. Let’s celebrate the achievements of a noteworthy 2019 and look forward to the possibilities that lie in the coming year.

    With our guiding values: making it right, personal and easy – CBC fostered two new partnerships continuing our efforts in providing superior member service and experience. One of those partnerships was the addition of Dunkin’ Donuts! CBC members, in Camarillo, can now indulge in all of their Dunkin’ favorites while completing their day to day transactions. Who said donuts and banking don’t mix?

    Secondly, CuVantis Wealth Planning, LLC joined the CBC family and has had early success in helping its members with both short-term and long-term financial goals. Best of all, the Financial Advisors of CuVantis Wealth Planning are entirely non-commission! The Credit Union’s focus is to help its members develop a plan and implement portfolio strategies that give the best chance of financial success.

    With all that has been accomplished, CBC has no plans to end its innovative approach to banking in the coming year. CBC welcomes the New Year with innovative undertakings to serve its members and its communities. Of course, this would not be possible without CBC’s members – the Credit Union cannot thank you enough.

    As 2019 comes to a close, CBC wishes nothing but happiness and financial fitness in your 2020 resolutions and as always, thank you for your membership!

    The CBC Team

  • You Have Dreams, CuVantis Can Help you achieve them

     

    A comfortable retirement is often viewed as the reward for a lifetime of hard work. But for many, comfort doesn’t come in the form of traditional retirement. Today, many baby boomers view retirement as a time to fulfill their lifelong dreams. But according to Dustin Tondreau, the CuVantis* financial advisor located at CBC Federal Credit Union, a solid financial base is needed in order to do whatever you want to do.

    Historically, that financial base was created by a combination of an employer’s pension, social security and your own personal savings. Today, however, fewer and fewer workers are actually covered by an employer’s pension, meaning each of us is becoming more and more responsible for our own retirement security. For many, that means exploring investment options beyond traditional savings and certificates of deposit.

    That’s why CBCFCU is pleased to partner with CuVantis Wealth Planning, LLC, to offer retirement planning and wealth management options to members. CuVantis offers a wide variety of planning and investment strategies - including pension replacement options – to help you create the financial base that allows you to pursue your retirement dream. Whether it be to travel around the world, start your own business, or just spend more time doing the things you love, our non-commission CuVantis financial advisor can help you create an investment and retirement plan to help you on your way. Call (805) 988-2151 ext. 5710 or email Dustin.Tondreau@CuVantis.com to arrange your complimentary consultation.

    Visit the CuVantis webpage for more information.


     

    * Investment advisory products and services are offered through CuVantis Wealth Planning, LLC, (“CuVantis”), a California Registered Investment Advisor. Credit Unions have contracted with CuVantis to make non-deposit investment advisory products and services available to credit union members. Investments offered through CuVantis are not federally insured, are not guarantees or obligations of the credit unions, and may involve investment risk including the possible loss of principal. Investment Adviser Representatives are registered through CuVantis. CuVantis offers advisory services in states in which it is registered and in other jurisdictions where exempted. Advisory services are only offered to clients or prospective clients where CuVantis and its representatives are properly licensed or exempt from licensure.

  • Board of Directors Announcement

    We are seeking dedicated volunteers to join our Team. As a Board Director, you and the rest of the team will be responsible for the governance and strategic planning of your Credit Union. We also have a new program, the Associate Director Program - an entry program to help you learn about your Credit Union processes, gain knowledge and experience and be better prepared to join the Board as a voting Director, if so nominated. As a Board Director, your core responsibilities will require attendance at monthly meetings, obtain a minimum of 18 hours of training annually, become financially literate by NCUA requirements, participate on Board Committees, and serve a three-year term. Member applicants must be in good standing with the credit union and should have some understanding and experience with finance, and/or budgeting from your work experience, volunteer community involvement or other business associations. Applications must be received by February 1, 2020. For full details, please contact Hal Karam at Hal.Karam@cbcfcu.org

  • Now is the perfect time to refinance your home with CBC

    Build Equity/Get a Shorter TermBuild Equity - Shorten your term

    Interested in refinancing your home? With our limited time offer on 10 and 15-year Fixed Rate Mortgages, now is the perfect time to refinance your home with our best-in-service team! We work with you to find the best option to fit your life, you can trust CBC for professional guidance and an easy, efficient process. CBC has you covered.

    Here are some of the benefits you can expect from refinancing your home:

    • Shorten your term and pay off your home faster (often with a lower interest rate) 
    • Build equity in your home
    • Peace of mind that you’re getting the best option to suit your life
    • Improve the overall quality of life with less worry and more money!

    Explore more Home Loan options

    or Call to learn about our new lower rates at 805.988.2151

  • Spreading Holiday Cheer

    Every year CBC takes place in several events that are designed to bring some holiday cheer to the children and families in our community. Here are a few of the events we took part in this year.

    CANTree benefiting FOODShare

      

    Santa to the Sea Toy Giveaway

    Random Acts of Holiday Happiness

  • This is Epic! What does Epic Checking Have to offer?

     

    As most of you may already know, the team at CBC put their minds together to bring members one of the most robust checking accounts around. Since 2018, Epic Checking has been offering members everything from deals on local shopping, cell phone protection, and roadside assistance. If you haven’t yet discovered all that and Epic Checking account can do for you, take a second to learn about the perks.

    • Epic Perks: Epic Perks is an exclusive mobile app only available to Epic Checking account holders. It is your portal to tons of local coupons and deals at the places where you shop and eat.
    • Protection/ID Theft entitlement: Fully managed identity recovery services plus $25K ID theft reimbursement insurance ensure that even if something happens to your identity, Epic has you covered. You also are entitled to the following:
      • Credit Monitoring
      • Rapid Credit Alerts
      • Dark Web Monitoring and Alerts
      • Compromised Email Alerts
      • Monthly Score Tracker
      • Annual Credit Report
    • 24 Hour Roadside Assistance: Available in the Epic Perks App, you get access to 24- hour roadside assistance. 
    • Cell Phone Protection: Sick of paying $7 a month just for phone insurance? With Epic Checking, you get cell phone insurance included with your checking account. (Available in the Epic Perks App).
    • Health Savings Card: With Epic, you will have access to a health savings card that can save you money on your pharmacy, hearing or vision purchases.
    • And more!

    An Epic Premium Account gets you even more benefits! Upgrade to a Premium account, and you will enjoy:

    • Better than Money Market dividend rates
    • 5 cent rebate on every debit swipe
    • Special offers on loans and CDs
    • Epic Rewards Card annual fee waived

    If this looks like a lot of perks, it’s because it is! Epic Checking from CBC lets you bundle all the things that make your life easier, better and more secure into one simple product. Take a look at all that Epic Checking has to offer here.

  • Employee Spotlight

    Alfredo Martinez
    Community & Events Coordinator

     

    Alfredo has been with CBC since September of 2018. He started out as a Member Service Representative in the Oxnard Branch after being referred by a friend to the Credit Union. After starting at CBC, he felt like CBC was a great fit for him. Alfredo has recently taken a position as CBC Community and Event Coordinator which means you can find him out at community events promoting CBC’s products and services around the county.

    Alfredo most enjoys the team at CBC. “Our people sincerely care about our members’ financial wellbeing and being around team members that share that passion makes it worthwhile,” said Alfredo. He looks forward to helping CBC’s community outreach efforts grow in the future and he would like to one day lead a team of his own. In his free time, you can find Alfredo enjoying being outdoors on a hike or at a local park playing soccer. If he isn’t outside, he’s enjoying time with his friends and family.

    The team at CBC is so excited to watch Alfredo help grow our reach in the community and if you happen to see a CBC booth when you’re at a local event, be sure to stop and say hi to Alfredo!