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

• SBCU Application Forms
• Re-order Checks
• Auto Buying
• Financial Calculators
• Loan Calculators
   

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 certified partner on board that can help to de-mystify the real estate landscape, American Family Funding.  American Family Funding is a full -service company with a professional and dedicated staff that offers expertise in every area of mortgage lending.  www.affloans.com

Meet Fred Kreger, American Family Funding

Read the latest Real Estate blog from Fred Kreger...
http://realestatemarbles.com/fkreger/

Are you curious about Reverse Mortgage Loans?  Watch this episode of "Out of the Rough"