2ND QUARTER 2018 - PDF document

1 2ND QUARTER 2018 S martMoney Digest www
2ND QUARTER 2018 S martMoney Digest www.pecutx.org Meet our $500 MasterCard promotion winner. You could be next! MEMBER APPRECIATION P.6 Bask in the glow of PECU savings opportunities HOME EQUITY BONUS CASH P.5 There are lots of ways you can save money by being a PECU member. Start with PECU Free Checking. There’s no monthly fee, no minimum balance, and no required tie-ins to keep it free. Next, stop paying high ATM fees. PECU gives you more than 360 free Central Texas ATMs. We also give you lots of free services that banks often charge more for such as free online bill pay, free e-alerts and free e-statements. Our credit cards have no annual fee, no balance transfer fee and low APRs. We have great loan rates on autos, Home Equity, signature loans, and more. Refinance your non-PECU auto loans. Save on your insurance services. Get up to $300 + no payments for 90 days to refinance your non-PECU auto loan. See Page Two. Priceless Surprises Promotion Imagine making a purchase with your credit or debit PECU MasterCard and then winning a $500 statement credit! That’s what happened to member Beverly Moore (pictured far left with Walnut Creek Branch Manager Haley Stier) . You could be next! PECU is partnering with MasterCard and Jack Henry & Associates for the Priceless Surprises promotion. PECU credit and debit MasterCard holders receive one entry into the promotion each time they use their card to make a purchase of $10 or more. There will be two more $500 PECU winners drawn between now and 5/16/18, plus chances to win fabulous Grand Prize trips! See PECU website for Official Rules. AUTO LOAn refinnce pr Get up to $300, plus no • Rat(s ar( gr(at • Apply today • Titl( trans)(r )(( paid Loan Amount Incentive $10,000 - $19,999 $100 $20,000 - $29,999 $150 $30,000 - $39,999 $200 $40,000 - $49,999 $250 $50,000+ $300 www.pecutx.org 800-772-1955 All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks * Rates, terms & conditions subject to change. Contact PECU to verify promotional rate. underwriting guidelines apply. Vehicles currently financed at PECU not eligible. model year 2013 and newer are eligible. Up to $300 deposited in share account. Standard paym(nts )or 9O days! You can get extra money and lower your monthly payment by renanc - ing your non-PECU auto loa

2 n at PECU. Right now, we’ll even
n at PECU. Right now, we’ll even give you no payments for 90 days. What would you do with that extra money? We’ll also pay your title transfer fee. Rates are great. Take advantage of this money-saving oer. Did you know that you can apply right now on the PECU website? Click, call or come by PECU. We make it easy to renance! 3 $100 Capture My Heart Get up to $300, plus no paym(nts )or 9O days! Mobile Deposit Promo Winner We recently partnered with Catalyst Corporation, our mobile deposit product partner, to offer PECU members a chance to win $100 for making a mobile deposit. From February 7 through February 14, we asked members to draw a heart on any mobile deposit they made. All mobile deposits with a heart were then entered into a random drawing. PECU member Chantal Locke (pictured left) won the $100 prize. Mobile deposits are easy to make with your camera phone or mobile device. This saves you valuable time and gas money. If you need help getting started with mobile deposits, please contact our Financial Services department. You can reach them at 512-474-1955 in Central Texas, or toll free 800-772-1955. Spring cleaning time is also a good time to compare your insurance rates. It may be an opportunity for you to save some money. PECU offers a wide range of savings through TruStage on many of the most popular insurance products including auto, life, home, long-term care and AD&D insurance. You can get free quotes on the insurance products you wish to compare. Click the TruStage block from our homepage to get started. TruStage is the marketing brand for the insurance products issued by and programs made available through CUNA Mutual Group, including the CMFG Life Insurance Company. CMFG Life has worked with America’s credit unions for more than 75 years. Together, we’re dedicated to helping you protect the achievements and aspirations that matter the most. In addition, your PECU membership qualifies you for $2,000 of AD&D coverage at no cost. This Spring, make sure you compare your insurance rates to see if you can save money. Spring Into Insurance Savings APPLE ANDROID Our free mobile app is secure and convenient. It gives you PECU in the palm of your hand. Pay bills, find ATMs, check balances, transfer money, make camera phone deposits, and much more! You can easily download our app from the Apple Sto

3 re or from Google Play. You can also
re or from Google Play. You can also download your preferred version by clicking from our website, or simply scanning the code to the right. Download Our Updated PECU Mobile App PECU Free Checking Is A Free Checking Account That Is Really Free Stop battling limited-time offers and big bank fees. It’s your money. Don’t let banks take a bite out of it. You work too hard to let that happen. PECU Free Checking is really free . There are no monthly fees, no minimum balance requirements, no service charges, no usage requirements, and no required product tie-ins. You’ll love not having any of those worries. What’s more, you get a free debit card, free e-Bill Pay, more than 360 free Central Texas ATMs, 5,000+ worldwide shared branches, and our free Apple and Android mobile apps that let you take PECU everywhere. Why pay other places for those services when we give them to you for free? PECU Free Checking is another great part of the credit union difference. Enjoy PECU’s New Website Are you using our new PECU website? It has an exciting look and enhanced features. It’s not only easier to use, it offers you even more security. This includes a new and improved e-Branch. Keep up with your PECU accounts online at any time that is convenient for you. PECU’s e-Branch is always open for you. PECU’s new website, new mobile apps, and new e-Branch are here to serve you. If you need help with any of them, please contact PECU Financial Services at 512-474-1955 in Central Texas, or toll free 800-772-1955 outside of Central Texas. MAIN OFFICE 306 East 10th Street P.O. Box 2205 Austin, Texas 78768-2205 Phone: 512-474-1955 Fax: 512-474-2731 E-mail: member@pecutx.org Lobby Hours: Monday thru Friday 9 am - 5 pm Drive-Up Hours: Monday thru Friday 7 am - 6 pm Saturday 9 am - 1 pm CENTRAL OFFICE 1200 West 42nd Street Austin, Texas 78756 Lobby Hours: Monday thru Friday 9 am - 6 pm Saturday 9 am - 1 pm Drive-Up Hours: Monday thru Friday 7 am - 6 pm Saturday 9 am - 1 pm WALNUT CREEK OFFICE 8013 Centre Park Drive Austin, Texas 78754 Lobby Hours: Monday thru Friday 9 am - 6 pm Drive-Up Hours: Monday thru Friday 7 am - 6 pm Saturday 9 am - 1 pm OAK HILL OFFICE 5838 Highway 290 West Austin, Texas 78735 Drive-Up Facility Only Drive-Up Hours: Monday thru Friday 7 am - 6 pm Saturday 9 am - 1 pm ROUND ROCK OFFICE 15800 RM 620 North (Near intersection of 620 N & Cornerwood

4 ) Austin, Texas 78717 Lobby Hours: Monda
) Austin, Texas 78717 Lobby Hours: Monday thru Friday 9 am - 6 pm Saturday 9 am - 1 pm Drive-Up Hours: Monday thru Friday 7 am - 6 pm Saturday 9 am - 1 pm BEAUMONT OFFICE 4215 Eastex Freeway Beaumont, Texas 77706 Phone: 409-892-3171 Fax: 409-892-7763 Lobby Hours: Monday thru Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-up Hours: Monday thru Friday 8 am - 6 pm BRANCHES & HOURS 4 Saturday 9 am - 12 pm Upon request, members are entitled to review or receive a copy of the following credit union documents: Balance Sheet & Income Statement; summary of the most recent audit; written Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and Board policies; Internal Revenue Service Form 990. If you have questions, please contact PECU Financial Services at 512-474- 1955 in Central Texas, or toll free 800-772-1955. Shared Branch Spotlight: Indianapolis Since 1911, Indianapolis Motor Speedway has been the site of the Indianapolis 500 auto race. It is the world’s largest single-day sporting event with more than 257,000 permanent seats. Besides being the capital and largest city in Indiana, Indianapolis is the 15th most populated city in the US. The Children’s Museum of Indianapolis is the largest such museum in the world with more than 430,000 feet of exhibit space. Two major professional sports teams are based in Indianapolis, the Colts (NFL) and Pacers (NBA). It is home to three Division I universities: Butler, Indiana, and IUPUI. Hinkle Fieldhouse is called “Indiana’s Basketball Cathedral.” When in Indy, you have access to your PECU accounts at 59 locations called shared branches. Click www.co-opcreditunions.org to search them. There are 5,000+ worldwide shared branches. Just show your ID and know your PECU account number when at a shared branch. Finally, for film buffs, the popular movie “Hoosiers” is the story of a small-town Indiana high school basketball team’s battle for a state title. MAKE SURE YOU KEEP YOUR PECU ACCOUNT UP TO DATE Has it been a while since

5 you had activity on your PECU account?
you had activity on your PECU account? Have you moved? Contact our Financial Services Department to update your account and/or keep it current. Call 512-474-1955 in Central Texas, or toll free 800-772-1955. PECU and all financial institutions must abide by Title 6 of the Texas Property Code. Title 6 deals with the State of Texas unclaimed property program. In 2011, the dormancy period for deposit accounts became three years. Once an account is classified as dormant, the funds will revert to the State of Texas. Accounts that have had no activity since March 1, 2015 will be subject to the unclaimed property statutes. Just make a simple phone call to us and we’ll update your account. April is National Credit Union Youth Month. To help celebrate National Credit Union Youth Month, PECU is offering a FREE kids or teen account for your child or grandchild all during April! The PECU Zoo Crew is for kids 12 and under. Club Bling is our teen account for those 13-18 years old. Both accounts earn interest and have no monthly fee and no minimum balance. It normally takes just a $10 deposit to open either type of account. During April, PECU will put the first $10 in new PECU Zoo Crew and Club Bling accounts! The accounts need to be opened by a parent or grandparent that is already a PECU member. New PECU Zoo Crew kids account members get a free animal prize bag and a free pass to the Austin Zoo. New Club Bling members all get a savings account. Parents and teens can then decide if they want to add more features to the Club Bling account. The features might include a co-signed checking account, debit card and credit card. For more fun, track the accounts with our free PECU Apple and Android mobile app. Get a free PECU Zoo Crew kids account or Club Bling teen account all during the month of April! Get a Free Kids or Teen Account! * Oh, the places you can go with a PECU Home Equity Loan ... Get up to $300 bonus cash by taking advantage of this promotion! Low fixed rate Borrow up to 80% LTV Loan amounts from $7,500 to $500,000 No standard closing cost on loans less than $100,000 One set monthly payment to fit your budget No application fee No origination fee No processing fee No hidden costs No pre-payment fee Flexible terms up to 20 years Rates are great! Click, call, or come by to apply. www.pecutx.org 800-772-1955

6 All loans must be closed by 7/15/18
All loans must be closed by 7/15/18. All loans subject to credit approval. $7,500 minimum loan amount. Up to $300 deposited in share account. Loans must be closed to receive incentive. Standard underwriting guidelines apply. To qualify for the Home Equity cash incentive and the no-closing-cost feature, all loans must be new loans or a refinance from another financial institution. Loans currently financed with PECU are not eligible for the cash incentive or the no-closing-cost feature. *Rates, terms, and conditions subject to change. Contact PECU to verify your promotional rate. Loan Amount Incentive $7,500-$24,999 $100 $25,000-$49,999 $200 $50,000-$74,999 $250 $75,000+ $300 Clouds are often used to picture dreams. It’s time for you to get some cloud time! You’ve worked hard building equity in your home. Now, let that equity go to work for you. Lots of PECU members just like you use our Home Equity Loans to jet off for dream vacations. Other popular uses for our Home Equity Loans include home improvements, bill consolidation, RVs, weddings, medical procedures, college, business startups, and more. Right now, you can get up to $300 bonus cash. Rates are great. Click, call, or come by to apply. What do you dream of doing? Make it happen with a PECU Home Equity Loan! Lisa Eichelberger won an iPad at our last event! TH AT OU DOW B A www.pecutx.org All during June, you can get $200 for opening a new PECU checking account with a free debit card at our Downtown branch! What would you do with an extra $200? See website or contact PECU for details. All during June, PECU will pay for the first purchase you make (up to $50) on your new PECU MasterCard and/or your new PECU debit card. Get a new card, then get gas, groceries or other items on us! Must apply for new cards at our Downtown branch. See website or contact PECU for details. All during June, we’ll put the first $10 in any new kids or teen account you open for your child or grandchild at our Downtown branch. SPECIAL EVENT : FRIDAY JUNE 1 Great Door Prizes Auto Loan Promotion* iPad Giveaway $500 in total cash prizes iPad GIVEAWAY Promotions Available Downtown All During June Free Food *Based on your good credit, take .50% off the current PECU auto loan rates on 6/1/18. Rates, terms, and conditions subject to change. Contact PECU to verify your promotional rate. : 306 AST 10 STT (AUST $500 GIVEAW