Less Costly Alternative to Payday LoansOur OCFCU Quick Cash Loan is less expensive than

borrowing from payday loan companies that lend at very high rates to people who need cash in a hurry. Our Quick Cash Loan is initially a

$300 loan at 28% APR with a repayment period of six months. A $20 application fee will apply with each new advance.* Once you have repaid four Quick Cash Loans in accordance with the terms of the loan agreement, you will become eligible for a $500 advance. After completing four more, you can become eligible for $1,000.

We do not review your credit scores to qualify you for this loan. We run credit but do not review it for qualification on this type of loan. This type of loan is intended as an alternative to payday loans or cash advances from other sources that can cost you dearly in high interest rates. If you need cash in a hurry, check with your credit union first!

Holiday CalendarMemorial Day

Monday, May 28, 2018

Independence DayWednesday, July 4

Although we are closed on these days, Voice Response, Virtual Branch (Home Banking),

Check Free (Bill Pay), ATM and point-of-sale networks will be open 24/7.

Last ThisRates subject Quarter Quarterto change Actual Anticipated APY APY___________________________

Regular Shares 0.10% 0.10%

Christmas Club 0.10% 0.10%

IRA (under $2,000) 0.12% 0.12%

IRA (over $2,000) 0.15% 0.15%___________________________

Checking 0.05% 0.05%___________________________Money Market**

$0 - $9,999 0.12% 0.12%

$10,000 - $50,000 0.13% 0.13%

$50,001 + 0.15% 0.15%___________________________Certificates – Call for current yields.___________________________

*Dividends are based on credit union earnings. Regular shares earn day-in, day-out dividends with dividends paid quarterly. Checking accounts earn day-in, day-out dividends every month a minimum balance of $500 is maintained. Dividends are declared by the Board of Directors at the end of each dividend period.**There is a $10 charge on balances that fall below $2,500. Rates are subject to change without notice.

Dividends

April 2018

*A $300 advance at 28% would require six monthly payments of $55 each, plus an application fee of $20 when the loan is funded. The same rate and fee apply to high-balance loans. Loan conditions are subject to change without notice.

OCFCU’s Quick Cash Loan

Tell Us So It Won’t Be Blocked!If you are planning a trip this summer, be

sure to let us know before you leave that you’ll be using your VISA Credit or Debit Card while you’re away. Whether you travel abroad or in the U.S., it is important to let us know ahead of time so that your card(s) won’t be blocked for your protection by VISA because of unusual usage.

It also helps for the credit union to have all your available phone numbers on file so the fraud department can reach you at home and away. Our website has all the contact information for after-hours issues with credit cards and debit cards for member references:

Visa card call center for card activation and assistance 1-855-553-0911

Visa card call center for international assistance 1-540-707-4018

Visa debit card hot card line 800-472-3272

Please be SURE to notify us before you leave on your trip.

Taking Your VISA Card on Vacation With You?

Use OCFCU’s Instant Balance app and get your balances instantly without logging into your account. This Mobility app makes it quick and easy to check as many as six account balances with the touch of a button on your phone.

Instant Balance is a secure, read-only feature that uses pre-authenticated balance inquiry information. It cannot be used to do transactions, and account numbers are always masked. Since no login occurs, no sensitive authentication or account information is transmitted during the interaction.

You must be enrolled in Virtual Branch to use Instant Balance. Sign up for Virtual Branch on-line at occu.net. Then, log into the latest version of our Mobile app to get started. Instant Balance uses the existing multi-user login function in Mobility to remember usernames and associated accounts. Simply select the “Saved ID” button on the login screen.

Get your account balances at any moment with OCFCU’s Instant Balance app on your smart phone. Opt in and take control today!

Data charges may apply. Check with your mobile phone carrier.

Instant Account Balances by Smart Phone

All loans are subject to credit approval. The credit union is an equal opportunity lender and makes loans without regard to race, color, religion, sex, handicap, family status or national origin. Dividends are based on the credit union’s earnings

at the end of a dividend period and thus cannot be guaranteed. Rates, terms, conditions and services are subject to change after the account is opened. Yields and rates are subject to change at any time without notice. For more information, refer to your Truth-in-Savings Disclosure or contact a credit union employee. The credit union may provide information about products and services available to members from other sources. However, it does not warrant, nor accept liability for, the actions, products or services of others.

APR = Annual Percentage Rate. APY = Annual Percentage Yield.

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency

2525 Cherry Avenue, Suite 100, Signal Hill, CA 90755Mail: P.O. Box 92439 • Long Beach, CA 90809

Phones: Web: www.OCCU.netVoice (562) 426-8838 Email: mail@OCCU.netCA only (800) 544-8011 Hours:Matey (800) 445-6695 M-W & F 8:30 a.m. - 5 p.m.Fax (562) 490-0958 TH 10 a.m. - 5 p.m.

C O N S U M E R I N F O R M A T I O N

Convenient, Paperless E-Statements! Sign up now for our on-line electronic statements! Our secure

e-Statement service is bringing OCFCU members a new world of financial convenience free of charge.

Get your OCFCU account statements on-line as soon as they are generated, without having to wait for them in the mail. E-Statements let you check your accounts right away and may help in early fraud detection. No more paper statements to get lost in the mail or stolen! Now you can also go paperless with your VISA statements through Virtual Branch by clicking on your VISA card number!

To sign up for e-Statements, visit our home page at occu.net and click on the Virtual Branch tab. You’ll easily be able to sign up and archive your statements.

Our free 24-hour internet Virtual Branch service lets participating members make transfers, check their account balances and access their VISA Credit Card accounts on-line. Virtual Branch has several layers of protection to ensure that your information is secure. In addition to information and transactions, you can order checks, change addresses and monitor your savings and checking accounts.

Through Virtual Branch, you can opt into our new Instant Balance service which lets you see up to six account balances instantly without having to log into your account! Virtual Branch gives you the power of the internet and numerous convenient apps that can make your financial life easier to manage at the click of a button on your smart phone!

Sign up for free and secure Virtual Branch on-line or visit the OCFCU office. We’ll be happy to help you. www.occu.net

Access Your Accounts On-Line with Virtual Branch

• First and foremost, if you receive a suspicious or intimidating call or a robo or telemarketer call, JUST HANG UP.

• Don’t give your wireless phone number to anyone you don’t know.• Don’t answer calls from numbers you don’t recognize.• If you do answer, don’t press a number to “opt out,” as this is a

scheme that makes you a target for further calls. Just hang up.• Don’t answer “yes” to a caller’s questions. Your answer can be

recorded and used as evidence that you agreed to do business with their company and that you authorized charges to your credit

card or other account.• Apps like Truecaller and Robokiller can be downloaded to protect

your smartphone by identifying legitimate calls and blocking robo calls.

• You can also block calls yourself on your smartphone once you have received an unwanted call.

• List your number on the National Do Not Call Registry. If your number is registered and you get unwanted calls, report them.

Robo calls have become a constant annoyance to most of us. The Federal Trade Commission (FCC) reports that robo calls have become their number one consumer complaint. FCC rules govern auto-dialed and prerecorded telemarketing calls to your wireless number, but the rules are notoriously ignored and it is difficult to catch the offenders because many of these calls come from

scammers. An infamous example is the call from someone pretending to be an IRS agent, claiming that you owe back taxes and threatening legal action if you don’t pay (with store gift cards, no less!). The FCC reports this scheme has netted more than $54 million from unwary and intimidated victims. Don’t let yourself become one of them!

How to Deal With Robo Calls

Now’s the Time to Save for ChristmasWere Holiday expenses a little difficult this past Christmas? Open your 2018 Christmas Club

Account today! Save a little with each paycheck throughout the year, and by early November you will receive a check from the credit union for your accumulated savings plus dividends! Payroll deduction or direct deposit makes saving easy. Don’t wait! Start saving. Call us today!

(562) 426-8838