A PUBLICATION FOR MEMBERS OF PRIORITY ONE CREDIT UNION - PDF document

1 N ews A PUBLICATION FOR MEMBERS OF PRIOR
N ews A PUBLICATION FOR MEMBERS OF PRIORITY ONE CREDIT UNION NOVEMBER ‘09 PRIORITY ONE You are our first priority. SHARED BRANCHING can provide access to your Priority One accounts! With over 6000 Shared Branching access points worldwide , including credit union branches and select 7 Eleven stores, you can make deposits, withdrawals, transfers, loan payments…. All of this at NO COST to you and you can maintain your continued membership with POCU. For shared branch locations, call 888.287.9475 or visit our website for the link. Retiring, relocating or simply Did you know you can use your vehicle to get the cash you need? Use your vehicle to consolidate debt, pay for school or just get some spending money. Rate is 10.49 % APR * as low as 9.99 % APR * We will loan up to 2 times the wholesale value of your vehicle. Priority One offers TITLE LOANS for rates lower than many other institutions.This is an easy, affordable way to free up some money for whatever you need. Contact us at 800.211.3831; 800.207.8620, option 3; or visit www.priorityonecu.org Turn your car cash! ** into Used Or New Vehicles *** New vehicle rate is 5.75% APR* as low as 4.75% APR* Used vehicle rate is 6.00% APR* as low as 5.00% APR* Give yourself a gift for the holidays... a new or used vehicle...why not? With POCU's wonderful rates and flexible financing, you can get the vehicle of your dreams without straining your budget. This is a great time to buy with the end of rebates and bonuses from auto dealers/manufacturers. So come in and begin saving NOW! **Personal plus Pink: Maximum term of 48 months. On vehicles 2004 and newer we are eligible to lend up to two times the low blue book value or $15,000.00 whichever is less. On vehicle loans 2003 and older we are eligible to lend two time 75% of low blue book vale or $15,000.00 whichever is less. Vehicle must have current registration, insurance and inspection is required. DMV fees do apply and may be deducted from loan proceeds. Interest rates are determined by borrower’s credit score. ***Purchase or Refinance: Terms up to 84 months depending on amount financed. On vehicle model year 2004 or newer we are eligible for 100% financing of blue book value. On vehicle model year 2003 or older we are eligible to finance 75% of low blue book value and rate is 1.5% higher than qualifying rate. Borrower’s credit score determines interest rate. DMV fees apply to vehicle loan refinance, current registration, insurance and inspection are required. Discounts are given for payroll deduction, automatic deduction from POCU account, and open POCU checking account with net check direct deposit. All rates are subject to change without notice. All borrowers are subject to credit approval. This publication is for Priority One Credit Union members and is designed to provide informative material of interest to our r

2 eaders. It is distributed with the und
eaders. It is distributed with the understanding that it does not constitute legal, accounting or other expert advice. Such assistance should be sought from professionals in those fields. Information in this publication is current as of the date the issue was printed. Products, services and their terms may be changed by the credit union at any time. Ask your local representative about any Priority One product or service. MAIN OFFICE 1631 Huntington Drive South Pasadena, CA 91030 800.207.8620 877.POCU.ONE 888.287.9475 or visit our website (Shared Branch Network) www.priorityonecu.org Products and Services SAVINGS Share Certificates Individual Retirement Accounts Money Market Youth Club CONSUMER LOANS New & Used Vehicles Watercraft, Motorcycles, RVs Personal Bill Consolidation Line of Credit REAL ESTATE LOANS Refinance & Purchase Home Equity Line of Credit/Home Equity CONVENIENT ACCOUNT ACCESS Checking VISA Debit Card Direct Deposit Home Banking & Bill Pay e Statements 24-Hour ATM’s 24-Hour Loans by Phone 800.211.3831 24-Hour Telephone Banking Shared Branch Service Centers 888.287.9475 SPECIAL SERVICES Financial Planning & Retirement Credit Life & Disability Accidental Death Mechanical Breakdown Guaranteed Auto Protection Travelers Cheques Notary Services www.priorityonecu.org Questions? Call 800.207.8620 or 877.POCU.ONE AVOID FRAUD! Priority One Credit Union wants to help you avoid becoming a victim of fraud. In doing so, we continue to educate our members and keep them informed of the most current fraud trends surrounding the use of their ATM and VISA Check Cards. To help us further protect you, we have implemented many levels of security that provide early fraud detection and 24/7 monitoring on all card transactions. We have also strategically placed authorization restrictions on certain merchants, states and/or countries where high levels of fraud have been detected. Some of these restrictions include the State of Texas, Florida and Arizona where the most recent and largest card compromises have taken place. It is our goal to minimize risk to our members and losses to your Credit Union. We have provided a few safety tips when using your ATM or VISA Check Cards: DO NOT keep your PIN ( P ersonal I dentification N umber) in the same place as your ATM or VISA Check Card DO NOT give authorization to anyone to use your card or your PIN DO NOT leave the ATM machine until you complete your transaction and have your card in hand DO sign up for Verified by VISA I MMEDIATELY report all lost/stolen ATM or VISA Check Cards to the Credit Union or: • ..888.24..25.0 • ..909.94...098 Looking For An ATM? Text your zip code, address, or intersections to 692667 (MYCOOP) to find the nearest one. Or call: 888.SITECOCOOP Or visit: www.co-opfs.org Or visit our website at www.priorityonecu.or