South Bay Credit Union has put together several resources to assist you and your family.

• Applications Forms & Disclosures 
• Re-order Checks
• Auto Buying
• Financial Calculators
• Loan Calculators
• Member's Only Discounts
   

Direct Deposit Resources:

• Federal Direct Deposit Form
• Information on federal benefits www.godirect.org
• You'll need our Routing & Transit Number:  322281028

Millions of US residents have their identifies compromised and used fraudulently each year. In addition, the Identity Theft Resource Center says victims now spend an average of 600 hours recovering from this crime. Read this article that includes 10 tips for avoiding ID fraud. Be smart, be save and have a happy, healthy Holiday Season! Refer to CU*Secure for more helpful tips.

OTHER RESOURCES:

• Identity Theft Resource Center
• Identity Theft - Deter. Detect. Defend.  Avoid ID Theft (www.ftc.gov)
• Identity Theft Resource Center from Experian
• Free Annual Credit Report

 More than ever, it's important to know how to balance a checkbook, create a budget, spend wisely, avoid accumulating debt, and plan for the life events like college and retirement.  We have partnered with Harland Clarke to provide a comprehensive education center.  The modules contained in this resource will teach you how to manage money, credit and debt wisely, avoid fraud and plan fo your future. 

TOPICS INCLUDE:

• Consumer Protection
• Credit & Loans
• Financial ABC's
• Plan for Your Future
• Youth Education
• En Espanol
• Essentials

There are so many mortgage lending options and questions about the process.  We have a full suite of real estate products and a certified partner on board that can help with products we don't offer.  Contact Rose Marie at x316 and she will help you navigate the process.

Are you curious about Reverse Mortgage Loans?  Watch this episode of "Out of the Rough" from one of our partners, American Family Funding. 
 

You may be one of millions of Californians owed money by the State!

The State of California is currently in possession of more than $6.1 billion in Unclaimed Property belonging to approximately 17.6 million individuals and organizations.  The State acquires unclaimed property through California's Unclaimed Property Law, which requires "holders" such as corporations, business associations, financial institutions, and insurance companies to annually report and deliver property to the Controller's Office after there has been no customer contact for three years. Often the owner forgets that the account exists, or moves and does not leave a forwarding address or the forwarding order expires. In some cases, the owner dies and the heirs have no knowledge of the property.

This law gives the State an opportunity to return your money and provides California citizens with a single source, the State Controller's Office, to check for Unclaimed Property that may be reported by holders from around the nation.  To find out more, visit the Unclaimed Property website hosted by the State of California.  The "Frequently Asked Questions" tab has helpful information about the program and for making claims.