Broadway/SD Season SponsorSDCCU is proud to sponsor Broadway/San Diego. Purchase discount tickets to select shows by visiting sdccu.com/discounts. A portion of the ticket sales will benefit local non-profit organizations.

San Diego State University Aztec Basketball SponsorSDCCU is a proud sponsor of the 2016-2017 season of San Diego State University Aztec Basketball. For more information, visit goaztecs.com.

SDCCU Classroom Heroes SDCCU is committed to helping teachers, parents and students make educated financial decisions by delivering the BEST financial education, products and services. SDCCU is engaged in several philanthropic efforts aimed at improving overall economic well-being and making a positive difference in our local schools. To learn more, visit sdccu.com/classroomheroes. Countywide Spelling Bee – March 23 San Diego County Credit Union is returning as a proud sponsor of the 2017 San Diego Union-Tribune Countywide Spelling Bee, presented in collaboration with the San Diego County Office of Education. The annual San Diego Union-Tribune Countywide Spelling Bee will take place at the Hall of Champions in Balboa Park on Thursday, March 23, 2017. Ben Vereen Awards – May 28 Held in collaboration with Broadway/San Diego, we are the proud sponsor of the Ben Vereen Awards—a two-part competition for high school students who are talented in musical theater, including vocal, dance and acting performance. The local competition will bring semi-finalists together to compete on Sunday, May 28, at the Balboa Theatre.

Holiday ScheduleSDCCU will be closed to observe:

New Year’s Day – January 2Dr. Martin Luther King, Jr. Day – January 16Presidents Day – February 20

Enjoy 24/7 account access with over 30,000 surcharge-FREE CO-OP ATMs, online and mobile banking at sdccu.com.

SDCCU Annual Business Meeting – February 27The Annual Business Meeting, to be held at SDCCU’s Operations Center at 6545 Sequence Drive, February 27 at 4 p.m., will include the approval of the 2016 meeting minutes, reports from the Board of Directors and Supervisory Committee as well as election results. 3 members of the Board of Directors and 2 members of the Supervisory Committee will be elected. The Nominating Committee recommends: Richard Collins, Patricia Honeycutt and Steven Reuel for the Board of Directors. In addition, the Nominating Committee recommends: Paul Hubbard and Joe Kobryner for the Supervisory Committee.

Proxy NoticeThis proxy notice is provided to all SDCCU members who have executed a voting proxy. Notice is hereby given that the nature of each matter or group of related matters on which the voting proxy may be voted by the proxy holder for the Election of Directors, Election of Supervisory Committee members, Amendments of the Bylaws of SDCCU, except as prohibited by law and any other matters which may properly arise at either the Annual Meeting or any special meeting of the members.

For more information on SDCCU’s community support, visit sdccu.com/community.

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Financial Wellness Wednesdays

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SDCCU is proud to partner with the County of San Diego in support of Live Well San Diego to bring Financial Wellness Wednesdays to community libraries throughout the county. The public is invited to learn from SDCCU representatives on a range of topics, including how to build a better budget, understanding credit reports and preventing identify theft and scams.For a complete list of presentation topics, library locations and dates, visit sdccu.com/financialwellness.

Topics Include:

◾ Building a Better Budget

◾ Rebuilding After a Financial Crisis

◾ Repaying Student Loans

◾ Teens & Money

◾ Ten Steps Toward Financial Success

◾ Understanding Credit Reports,

Preventing Identity Theft & Scams

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From the desk of George Chamberlin: Financial Lessons from Elections

Never mind who won or lost the election in November, there are several economic and investment lessons to be learned. Many people tried adjusting their stock portfolios before the vote in anticipation one or the other candidate would win the White House. Despite years of experience showing the foolishness of trying to time the short-term direction of the markets, most of them were caught in the wrong place at the wrong time.

What we learned was, as the old expression goes, never fight the tape. When stocks want to go up, as has been the case before and since the election, they will go up. And, when stocks want to go down, they will. You will never pick up the Wall Street Journal and see the headline, “Rally starts tomorrow.”

One of my favorite reminders of the stock market performance was learned a few years ago when I was watching a show with my granddaughter, Sophia. During a break they showed a vignette with a young boy who had successfully climbed Mount Everest and several other big mountains. He pointed out climbers do not go up in a straight line. Rather, they move up the mountain each day and then go back down to camp to acclimate to the rare air. The same could be said about investing in stocks.

They do not go straight up but need to go back down a bit when prices reach uncharted territory.

The other lesson we are learning after the election is the reality that interest rates are ready, after nine years of lingering at historic lows, to begin moving higher. As expected, the Federal Reserve boosted short-term rates at the meeting in mid-December. Many want to be homebuyers are closely watching mortgage rates with fear they may spike sharply higher. It looks like the 30-year fixed rate mortgage loan will soon top 4.0 percent. Students of economic history will remind others that rates are still at very, very low levels and likely will stay there for quite some time. Imagine back to September 1981 when the mortgage rates were at 18.5 percent. Even then, people were buying homes and very glad they did regardless of who resided in the White House.

Subject to credit approval. No annual fee for the first year, $89 thereafter. See Benefit Guides and Terms and Conditions for details. 1Receive a one-time bonus award of 10,000 points when $3,000 is spent on net purchases with your SDCCU Visa Signature within the first 90 days following the enrollment date. 2FICO Score available for primary member with an active loan in good standing.

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Don’t worry about scrambling to find your tax forms during tax time! Just log into online banking to view or print your tax forms quickly and easily. To get your tax forms online next year, enroll in eTax Forms today! Let SDCCU and TurboTax® OnlineSM help you get the largest refund possible with minimum effort. Plus, have your refund deposited directly into your SDCCU account in just a few days. To get started today, visit sdccu.com.

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