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Need A Payment Break?
With holiday expenses on the horizon, some members with North County Credit Union loans might find it helpful to skip one month's payment. If so, we invite you to take advantage of our "Skip-A-Payment" option. It allows you to skip either your November or December 2011, or January or February 2012, monthly payment. For more details and to participate in this program, just download and complete our Skip-A-Payment Request Form and return it to North County Credit Union by mail, fax it to us at (858) 487-8840, or drop it off at our branch. There is a $35 fee for this service. Not all loan types are eligible. Other restrictions apply.

Discover the Credit Union Difference – Save $200/year

Credit Unions like North County Credit Union are not-for-profit financial cooperatives that can save you $200 per year on average over traditional banks. Learn more about the credit union difference.

Swap N' Drop Your Auto Loan Rate to 2.99%APR – And Get an Extra $100

Bring us the paperwork for your current auto loan. We'll drop your rate to 2.99%APR with a term up to 72 months when you refinance your non-credit union loan for a non-commercial car, truck or van, model year 2003 or newer with us. Plus, we'll give you a $100 cash bonus for doing so!*

Apply online and specify "Swap N' Drop" in the notes section, by phone at (858) 487-1880, or in person at our branch.

Hurry! This is a limited time offer

APR=Annual Percentage Rate. Swap N' Drop loan applications accepted beginning February 1, 2012 for a limited time only. Terms available for 2008 or newer models up to 72 months, 2003-2007 models up to 60 months. Loans must be funded within 30 days of application to be eligible for the offer. Existing North County Credit Union vehicle loans are not eligible for offer. Not all members or vehicles will qualify. No other rate discounts apply. Applicant must meet membership and credit criteria. Other restrictions may apply.

*Loan amount must be over $5,000 to obtain $100 cash bonus. Cash rebate will be deposited into your Membership Savings Account held with us one month after the loan has been disbursed. This offer is subject to change without notice.

Open a Pay Yourself Savings Accounts & Earn $50

This is not your typical savings account. Earn 2.0%_APY in your Pay Yourself Savings Account just for making monthly deposits of $10 or more into your account! Plus, we'll give you an extra $50 new account bonus.*

Make it a habit. By making monthly payments into a savings account, you'll start the necessary steps to ensure that financial goals are met and an emergency fund is established.

Learn more about our Pay Yourself Savings Account, or open one today!

APY=Annual Percentage Yield. Rate current as of January 31, 2012. Call the credit union at (858) 487-1880 to see if the rate has changed. Account access is limited to four withdrawals per calendar year. Dividends are paid quarterly based on a daily balance of $10 or more. There is a minimum opening and on-going balance requirement of $10 and you may not exceed a balance of $10,000. When your account reaches a balance of $10,000 or more, we will discuss with you other high-rate saving and investment options for your money. Only one Pay Yourself Savings Account per person can be opened at a given time.

To be eligible to receive the $50 account opening bonus, you must be a North County Credit Union member in good standing, and you may not have had a Pay Yourself Savings Account with us prior to January 31, 2012. Additionally, your Pay Yourself Savings account must be open, and you must meet the monthly $10 deposit requirement for at least six months. After this time, the $50 bonus will be deposited into your Pay Yourself Savings account. The $50 bonus will be reported to the IRS as required by applicable law. This offer is subject to change without notice.

Open a Checking Account & Earn $50

We offer a variety of checking accounts to fit your lifestyle. Open any of our checking accounts with a monthly direct deposit of $250 or more and enroll for e-statements, and we'll pay you a $50 new account bonus.

Learn about our different checking accounts, including our new Green Builder Checking Account that pays rates higher than many short term CDs, or open one today.

To be eligible to receive the $50 account opening bonus, you must be a North County Credit Union member in good standing, and you may not have had a checking account with us prior to January 31, 2012. Additionally, your new checking account with us must be open, and you must meet the monthly $250 direct deposit and e-statement requirement for at least three months. After this time, the $50 bonus will be deposited in to your checking account with us. E-statement service requires a valid email address. The $50 bonus will be reported to the IRS as required by applicable law. This offer is subject to change without notice.

Our Current “Directions” Newsletter

Make sure you read our quarter newsletter, "Directions." Each issue highlights special promotions and provides helpful information to manage your finances. And don't forget to share our quarterly newsletter with family and friends. You must have Adobe's Acrobat Reader in order to view.

First Quarter 2012
Fourth Quarter 2011
Third Quarter 2011
Second Quarter 2011

Look for these articles on our Web site's online magazine, "The Home & Family Finance Resource Center."

In February:

• Intriguing New Small Cars for 2012 (featured week of Feb. 13)

  High gasoline prices and new models adapted from Europe convinced American buyers in 2011 that maybe they should consider small cars after all. Now, a new selection of 2012 small cars is catching shoppers' attention.

• Home Office Tax Deductions Can Help Business Pay Off (featured week of Feb. 20)

  Running your business from your home can help you take advantage of tax deductions to maximize your income. Qualifying for those tax deductions requires research, bookkeeping, and a willingness to take your business seriously.

• College Planning Blog From Ken O'Connor

  This blog showcases topics revolving around college planning and financing.

Coming in March:

• And Then There Was One: Surviving on a Single Income (featured week of March 12)

  Keeping your head in the wake of a job loss can make the difference between a unpleasant stretch of unemployment and a true financial crisis. Here's help if job loss or military deployment reduces or eliminates one of your household incomes.

• Plan Now for a Regret-Free Retirement (featured week of March 19)

  The financial decisions you're making today are already shaping how you'll live in retirement, even if your retirement is decades away.