Young fans have a chance to be on the field on game day

North Island Credit Union Kickoff Kid

Young Chargers fans now have a chance to be on the field on game day. For the second year in a row, North Island Credit Union will choose a lucky fan to be the North Island Credit Union Kickoff Kid for every home game. They will have a chance to be on the field for the entire game and be responsible for retrieving the tee following every Chargers kickoff. The North Island Credit Union Kickoff Kid will receive a working game credential, a replica Chargers jersey, two tickets to the game, and Receive a 1-year, $1,000 saver certificate.

This is truly a once in a lifetime opportunity. All children age 6 through 12 are eligible to be Island Kickoff Kids. Children interested in being the Kickoff Kid can register at their nearest North Island Credit Union branch. North Island Credit Union has branches in downtown San Diego, South Bay, Clairemont Square, Carlsbad, Kearny Mesa, Mira Mesa, Vista, Scripps Poway, Imperial Beach, Chula Vista, El Cajon, Santee, NAS North Island and La Mesa. Ten winners will be chosen, corresponding to the Chargers' home games (pre-season included). Winners will be randomly chosen and notified 10 days before game day. Call 800-848-5654 for additional information or visit www.myisland.com.

About North Island Credit Union

A corporate and community leader in the San Diego region for more than 60 years, North Island Credit Union currently serves nearly 120,000 members from 14 branch locations throughout San Diego County. The credit union ranks as the 50th largest credit union in the nation and the 10th largest in California with $1.5 billion in assets. The credit union offers diverse financial services for consumers in San Diego, Orange and Riverside counties, including checking and savings accounts, investment services, real estate, vehicle and signature loans and Internet banking. North Island is also a leader in the small business services, providing payroll services, insurance products, employee benefits, retirement plans, checking and saving accounts, lines of credit, and SBA 504 and member business loans.

What are people saying about mortgages today:

Rates on 30-year mortgages edged down last week to a seven-month low. Mortgage-giant Freddie Mac reported Thursday that 30-year, fixed-rate mortgages fell to 6.3 percent, down slightly from 6.31 percent two weeks ago. It put rates at the lowest level since they were at 6.24 percent the first week of March.

Bank of Hawaii, Central Pacific Bank, Territorial Savings Bank and Wells Fargo Home Mortgages all cut their 30-year mortgage rates to 5.75 percent this week.

Most people think of a mortgage as a means to an end. After all, you buy a house, not a home loan. But a mortgage is much more than the path to homeownership. It is a financial instrument that must be managed, just like any other financial investment.