After spring cleaning, you might be dreaming of a new kitchen or bathroom. You don’t need to spend a fortune to give your house a new look with First City by your side. Here’s a list of home improvement ideas you can use:

1. CABINET MAKEOVERInstead of replacing your kitchen cabinets, you can give a kitchen a fresh new look by replacing just the cabinet fronts. You can also replace handles for a more modern look.

2. A MIRRORED BACKSPLASHUse snazzy tiles to create a mirrored backsplash in your kitchen. These retail for about $15 per 20-tile pack and you can find them online or at a home improvement store. They’ll give the illusion of greater space and no dealing with grout and caulking. It’s a super-cheap way to make it sparkle!

3. LET THE LIGHT INLight fixtures can really make a difference.

You can find inexpensive, trendy, fixture designs and use new energy-saving bulbs to give your house an entire new look quickly and cheaply!

4. DIY PAINTIf you need new paint, do it yourself. Find tutorials on YouTube, and you’ll only pay for the paint plus a few supplies. Best of all, you can get creative! Using painter’s tape and your imagination, you can paint designs on your walls or go for a full-blown mural!

These ideas will beautify your home and save money. If you need help funding your dreams, we can help. Call, click, or stop by First City today to ask us about opening an Interest Only HELOC or a Fixed Rate Home Equity Loan. Get your home work done with First City!

APY*

4 GREAT IDEAS FOR RENOVATING YOUR HOME THIS SUMMER

INTEREST ONLY HELOCOne of the most valuable things that most of us will ever own is our home, especially in such an expensive marketplace such as southern California. You can take advantage of the equity you have worked so hard to build in your home with a First City Home Equity Line of Credit (HELOC), including our new Interest Only HELOC. A HELOC has a number of strengths and advantages compared to other types of loans. Here are some of the key ones:

• A HELOC lets you borrow when you need it and in the amounts you need. This makes them useful for covering ongoing expenses over a period of time, such as a child’s education or a new car.

• Rates are typically lower than other consumer loans and there are minimal closing costs to open an account. At First City there are no usage fees or annual fees as well.

• When you set up a HELOC you can use the funds as you wish. You don’t have to justify your plans for using them in advance as you do with most other types of loans.

• With First City’s interest only HELOC you only pay interest on what you’ve borrowed, giving you flexibility of when you want to use your credit.

• For most people interest paid on a home equity loan may be fully or partially tax deductible (Please check with your tax professional).

We live in an expensive part of the world and First City Credit Union is here to help you maneuver through some of the challenges that may present in our daily lives. Our Interest Only HELOC is a good tool to access the equity you’ve built to make challenges easier to deal with.

MESSAGE FROM THE PRESIDENTJim Miller, President/CEO

JUL - SEP 2019

“you don’t need to spend a fortune this summer to give your house a new look”

Antelope Valley Claremont LAC+USC Medical CenterLakewood Los AngelesPasadenaWest Covina

(213) 482-3477 24-Hour PhoneTeller: (800) 934-2489

CO-OP Network ATMs/Branches: www.co-opnetwork.org

Mailing Address:P.O. Box 86008Los Angeles, CA 90086-0008

Website: www.firstcitycu.org

eMail: infocenter@firstcitycu.org

Office Closures:July 4, Independence daySeptember 2, Labor DayOctober 14, Indigenous People’s Day

Savings Federally

Insured by the NCUA

WE LOVE BEING INVOLVED WITH OUR SPONSORS AND COMMUNITIES!HERE ARE SOME OF THE EVENTS WE’VE SPONSORED IN THE PAST FEW MONTHS:

CHILDREN’S HOSPITAL LOS ANGELES BIKE TO WORK DAYDionne Arciga (center), First City’s Business Development Manager, is at CHLA as they encourage staff to go green by riding their bikes, carpooling or taking public transportation. Remember, we only have one Earth so let’s all be the change we need to make the planet greener.

IN THE

BAKER TO VEGASDionne Arciga (center), First City’s Business Development Manager, gives the Los Angeles Sheriff’s Department Temple team a pep talk as they prepare for their annual Baker to Vegas race. We wished them good luck, the race took place in March.

DPSS - BRING YOUR CHILD TO WORK DAYJoseph Uribe (center), First City’s Business Development Rep, poses with the younger generation and teaches them a thing or two about financial literacy at the Department of Public Social Services “Bring Your Child to Work Day”.

ANNUAL MEETING RESULTSIncumbent members of the Board, James D. Likens (Pomona College, Retired) and John S. Benedict (Sheriff ’s Department, Retired) were reelected to three-year terms and a member of the Supervisory Board, Carolyn Bernardez (LAC Department of Public Social Services), was reelected to a one-year term.

YOUR CREDIT UNION NEEDS YOUR HELP Represent your credit union by becoming a Supervisory Committee Member. Help guide your credit union to becoming the best institution it can be by volunteering to serve on the Supervisory Committee. If you are interested, please provide your contact information: by email at dgrimes@firstcitycu.org; at a branch; or by phone to (800) 944-2200 from 8 am to 6 pm Mon. - Fri.

IMPROVEMENTS & ENHANCEMENTSWe are proud to have been a trusted source for our membership for more than 80 years. Providing great member service with the

products you need to make your life better is part of our mission.

That’s why we have partnered with BALANCE to help take the guesswork out of your finances and help you achieve financial stability. Just a call away, BALANCE is a leading national force for financial wellness since 1969. A non-profit institution that empowers clients with unfiltered, unbiased advice that makes a real difference in peoples’ lives, one pocketbook at a time. That makes them a great match with First City.

Don’t wait, take the next step towards financial success today. Through our partnership with BALANCE, you have easy access to FREE financial counseling services on our website, www.firstcitycu.org.

TO SCHEDULE A FINANCIAL LITERACY SESSION AT YOUR EMPLOYER SITE, CONTACT DIONNE ARCIGA AT 800-944-2200, EXTENSION 2510. WE HAVE IN-HOUSE EXPERTS AVAILABLE ON BUDGETING, REAL ESTATE, IDENTITY THEFT, CREDIT, AND MANY OTHER SUBJECTS.

IN MEMORIAMOn behalf of the membership, staff and volunteers of First City, we would like to pay our respects to L.A. County Sheriff’s Deputy Joseph Gilbert Solano, who was a 13 year veteran and also a longtime member of the credit union. We are saddened by his passing and offer condolences to his family.

~JIm Miller, President/CEO FIrst City

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