Fourth Quarter 2019

Federally Insured by the NCUA.

Columbus DayMonday, October 14

Veterans DayMonday, November 11

Thanksgiving DayThursday, November 28

Christmas EveTuesday, December 24

(Offices open until 12pm, noon)

Christmas DayWednesday, December 25

New Year’s DayWednesday, January 1, 2020

MARK YOUR CALENDARAll offices will be closed on

the following dates:

www.ksfcu.org • (661) 833-7900

Kern Schools banking solutions that mean business.Learn more at ksfcu.org/business-banking.

Soluciones bancarias de Kern Schools para su negocio.Obtenga más información en ksfcu.org/business-banking.

BUSINESSBANKINGWITH KERN SCHOOLS

Sample ScoreApple and the Apple logo are trademarks of Apple Inc., registered in the U.S. App Store is a service mark of Apple Inc., registered in the U.S. Google Play and the Google Play logo are trademarks of Google Inc. FICO and "The score lenders use" is a registered trademark of Fair Isaac Corporation in the United States and other countries.

To download the app, simply visit the App Store on your AppleTM or Android device and search for “Kern Schools DataMobile.”

Check your FICO® Score asoften as you want, withoutaffecting your credit.You can now view your FICO® Score through DataNet Online Banking and the Kern Schools DataMobile App!

MESSAGE FROM

Steve RenockPresident/CEO

Federally Insured by NCUA

When you open a new savings or checking account1 from September 1st through October 31st, Kern Schools will make a $25 donation to a Kern County school of your choice.

Go online or visit a branch toopen your account today!¡Visite nuestro sitio de web o una de nuestras sucursalespara abrir su cuenta hoy mismo!

www.ksfcu.org • (661) 833-7900

Help Your FavoriteKern County School!¡Ayude a su escuela favorita en el condado de Kern!

Cuando abra una nueva cuenta* de ahorros o de cheques durante el 1º de septiembre al 31 de octubre, haremos una donación de $25 a la escuela en el condado de Kern que usted elija.

1Minimum opening deposit of $5 for share accounts and $25 for checking accounts.*Minimo deposito inicial de $5 para cuentas de ahorros y $25 para las cuentas de cheques.

Options toMeet Your

Needs

CreditCard

From Kern Schools

Opciones para satisfacersus necesidades.

Apply For A Kern SchoolsVisa Credit Card Today!¡Solicite una tarjeta de crédito Visa de Kern Schools hoy mismo! www.ksfcu.org • (661) 833-7900

Federally Insured by NCUA I Equal Opportunity Lender

(661) 833-7900www.ksfcu.org

Voted Best Financial Institution

25 years in a row!

As you know, Kern Schools is constantly looking for ways to better serve and meet all of your banking needs. To do this, your Credit Union utilizes various types of research, testing, data as well as simple conversation and communication to find out exactly what you would like from your financial institution.

With this in mind, over the past few years we have received an increasing number of requests about providing Business Banking options to Members and the community. And when our Members ask for something, we like to deliver.

For this reason, Kern Schools is proud to announce the launch of Business Banking! From Business Savings Accounts to Checking, Loan Options, as well as services such as Payroll, Cash Management, and Mobile Deposit, Kern Schools is a full-service shop now open for business. We invite our Members who are business owners, as well individuals you may know who own a business, to take a look at our offerings and find out how local banking and decision-making can make a difference.

If you would like additional information regarding our Business Banking offerings, simply call (661) 833-7530 or go online at ksfcu.org/business-banking.

USING YOURAUTO FINDERSimply log into DataMobile, click on MORE, and select Kern Schools Auto Finder. Search for your next vehicle by year, make, model, color, price range, location, mileage, and more!

You can also apply for an auto loan on the spot and locate an auto dealer nearest you.

AUTO FINDER

(661) 833-7900 • www.ksfcu.org

To view the desktop version, visit www.ksfcu.org/autofinder

Find your next new or used vehicle anytime, anywhere with ease.

Federally Insured by NCUA I Equal Opportunity Lender Federally Insured by NCUA

www.ksfcu.org • (661) 833-7900

Ready to ShareYour Reasons?

Whatever they are, we hope you’ll share them with a friend. Once you

do, you can both earn $501.

WHAT ARE YOUR REASONS?

1Referring member must be 18 Years of age or older and in good standing (not flagged for excessive overdrafts, fraudulent activity, no past due loans over 30 days) and maintain an open primary Membership. Maximum amount of incentives per calendar year is $500. The referred person must not currently be a member (and must not have closed a membership in the last 180 calendar days from the date of submission). Minimum deposit required to establish a share account to receive incentive is $250 or must establish both a share savings and checking account with $5 minimum share deposit and $25 minimum checking deposit. The new account opened must remain open and in good standing for 30 calendar days to receive incentive. Incentives may be IRS taxable refer to your tax consultant for more information. Payout will be made automatically to qualifying account on or around the 31st day after new account has been opened. KSFCU team members are not eligible to participate in this promotion. Exclusions include: referrals for Rocky, Kappa and Estate accounts. The Refer A Friend Program cannot be used in conjunction with other offers. Promotion valid starting 04/01/2019.

2El socio remitente debe tener 18 años de edad o más y estar en buena posición (no marcado por sobregiros excesivos, actividad fraudulenta, y sin préstamos vencidos durante 30 días) con una cuenta actualmente abierta con KSFCU. La cantidad máxima de incentivos por año calendario es de $500. La persona referida no debe ser actualmente un socio actual (y no debe haber cerrado una membresía en los últimos 180 días naturales a partir de la fecha de envío). El depósito mínimo requerido para establecer una cuenta de ahorros para recibir un incentivo es de $250 o debe establecer una cuenta de ahorros y una cuenta de cheques con un depósito mínimo de $5 y un depósito mínimo de $25. La nueva cuenta abierta debe permanecer abierta y en buen estado durante 30 días naturales para recibir incentivos. Los incentivos pueden estár sujetos a impuestos del IRS. Consulte a su asesor fiscal para obtener más información. Se realizará el pago automáticamente a la cuenta calificada en o alrededor del día 31 después de que se haya abierto una nueva cuenta. Los socios del equipo de KSFCU no son elegibles para participar en esta promoción. Exclusiones del Programa: Las cuentas Rocky, Kappa y de sucesión no son elegibles para referencias. El programa Recomiende a un Amigo/a no se puede usar junto con otras ofertas. Promoción válida a partir del 04/01/2019.

¿Cuales son tus razones? Sean lo que sean, esperamos que las ompartas con un amigo/a. Al compartirlo, ambos pueden ganar $50 2.

¡50 razones para decirle a un amigo/a!

¿Listo para compartir tus razones?

*Rates subject to increase/decrease after loan funding.

Federally Insured by NCUA

¡Solicite un préstamo de vivienda hoy mismo!

Conozca a nuestros prestamistas hipotecarios de Kern Schools.

Apply For A Home Mortgage Today!

Meet Our Kern Schools Mortgage Loan Officers.

Kimberlee GyppSr. Mortgage Loan OfficerNMLS #717366Kimberlee.Gypp@ksfcu.org

Alejandra LariosSr. Mortgage Loan OfficerNMLS# 1495935Alejandra.Larios@ksfcu.org

Monica AlvarezSr. Mortgage Loan OfficerNMLS# 1316646Monica.Alvarez@ksfcu.org

(661) 833-7926www.ksfcu.org

Laura RojasSr. Mortgage Loan OfficerNMLS# 1870361Laura.Rojas@ksfcu.org

HOME LOANSPréstamos de vivienda para satisfacer sus necesidades TO MEET YOUR NEEDS7

Conventional1Convenciónal

7InversorInvestor

65Refinanciamiento

Refinance Home Equity

2Administración Federal de la Vivienda

FHA Federal Housing Administration 3 Veterans AffairsVAAsuntos de Veteranos

4 Adjustable Rate*

Tasa Ajustable

OFFICESArtisan Square 1341 Allen Road Buena Vista 3300 Buena Vista Road, Ste. JDelano 1828 Cecil Avenue, Ste. A & BDowntown 2424 Chester AvenueMing 4530 Ming AvenueMt. Vernon 3901 Mt. Vernon AvenuePanama 5001 Panama LaneRiver Run 6101 Coffee RoadTown & Country 8200 Stockdale Highway, Ste. PTehachapi 821 Tucker Road, Ste. A & BHome Loan Center 4530 Ming Avenue

DEPARTMENTSContact Center (661) 833-7900 / (800) 221-3311Business Services (661) 833-7530 / (866) 854-6328Home Loan Center (661) 833-7926 DataVoice (661) 831-5900 / (800) 248-3336

OFFICE HOURSMonday - Thursday 9:00 a.m. - 5:00 p.m.Friday 9:00 a.m. - 6:00 p.m.Saturday 9:00 a.m. - 1:00 p.m.Downtown and Town & Country are closed on Saturdays.

TehachapiMonday - Friday 10:00 a.m. - 6:00 p.m.

www.ksfcu.org

Federally Insured by NCUA www.ksfcu.org • (661) 833-7900

WHEN AN OUT OFNETWORK ATMTELLS YOU TOCOVER YOURPIN SO YOUDON’T GETROBBED...

...THEN CHARGES YOU A $3.00SERVICE FEE TO GET YOUR MONEY.

Banking With Kern Schools Gives YouAccess To 30,000 Surcharge-Free ATMs!Simply download the “COOP ATM” app or visit ksfcu.org/locations andclick the “FIND A CO-OP ATM NEAR YOU” button.

UPCOMING 2019 WORKSHOPSAuto BuyingKern Schools Administrative Offices | 11500 Bolthouse Drive • BakersfieldThursday, October 17, 20196:00 p.m. - 7:30 p.m.

Living Trust and Estate PlanningKern Schools’ Administrative Offices | 11500 Bolthouse Drive • BakersfieldThursday, November 7, 20196:00 p.m. - 7:30 p.m.

Online BankingKern Schools’ Administrative Offices | 11500 Bolthouse Drive • BakersfieldTuesday, November 19, 2019Three Labs Available:11:00 a.m. to 12:00 p.m. I 2:00 p.m. to 3:00 p.m. I 6:00 p.m. to 7:00 p.m.

Home Buying Kern Schools’ Administrative Offices | 11500 Bolthouse Drive • BakersfieldThursday, November 14, 20196:00 p.m. - 7:30 p.m.

RSVP TODAY!www.ksfcu.org or call (661) 833-7900

OPTIONSAREENDLESS,With a Prime Equity1 LoanFrom Kern Schools!¡Las opciones son infinitas con unpréstamo Prime Equity 2 de Kern Schools!

www.ksfcu.org • (661) 833-7900

Apply For A Kern SchoolsPrime Equity Loan Today!¡Solicite su préstamo Prime Equity deKern Schools hoy mismo!

1Hazard insurance is required on the subject property prior to funding. You should consult your tax advisor for additional information regarding the deductibility of interest.2Se requiere un seguro de riesgos en la vivienda en cuestión antes de la financiación. Debe consultar a su asesor fiscal para obtener información adicional sobre la deducción de intereses.

Federally Insured by NCUA

Insurance products are sold through licensed Insurance Representatives of various companies. These products are not NCUA/NCUSIF or otherwise insured, are not obligations of Kern Schools Federal Credit Union, are not endorsed, recommended or guaranteed by Kern Schools Federal Credit Union or any government agency. Certain insurance products include investment risk including the possible loss of principal.

Since 2001, California Insurance Specialists has provided Members of Kern Schools with competitive Home and Auto Insurance.

Members have saved significant amounts of money by allowing California Insurance Specialists to shop their insurance companies and find the best policy for the best price.

Fall is a great time to think about having the right insurance for your auto, motorcycle, boat, and RV as you hit the road.

SavingsFall intoFall intoSavings

Schedule An Appointment Today!

Jim HusseyDirector of Wealth ManagementT (661) 833-7588 • Jim.Hussey@ksfcu.orgCA Insurance License #0E24250Town & Country

*Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Kern Schools Federal Credit Union and Kern Schools Wealth Management Investment and Insurance Services are not registered broker/dealers and are not affiliated with LPL Financial. The investment products sold through LPL Financial are not insured Kern Schools Federal Credit Union deposits and are not NCUA insured. These products are not obligations of Kern Schools Federal Credit Union are not endorsed, recommended or guaranteed by Kern Schools Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

www.ksfcuinvestments.org(661) 833-7730

Meet Our Kern Schools Wealth Management Department.

Richard RamosFinancial Advisor I Hablo españolT (661) 833-7762 • Richard.Ramos@ksfcu.orgCA Insurance License #0F03683Panama • Mt. Vernon • Buena Vista • Delano

Patrick BaileyFinancial AdvisorT (661) 833-7438 • Patrick.Bailey@ksfcu.orgCA Insurance License #0H69656Ming • Artisan Square • Downtown • Tehachapi Express

Salem FaulknerFinancial AdvisorT (661) 833-7451 • Salem.Faulkner@ksfcu.orgCA Insurance License #0K18716River Run

Apply For A Kern SchoolsAuto Loan Today!¡Solicite su préstamo para un auto hoy mismo! www.ksfcu.org • (661) 833-7900

TIME FOR ABIGGER CAR?¿Tiempo para un auto más grande?

Federally Insured by NCUA I Equal Opportunity Lender

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www.ksfcu.org

- Remote Deposit Capture- Kern Schools Card Alerts

- CO-OP ATM Locater App- eStatements- Mobile Wallet

- DataMobile- DataNet

All Cashiering TeamMembers are NowTechSperts Certified!¡Todo nuestro equipo de cajeros estáncertificados para proveerle apoyo de TechSperts!