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Fall 2007
Two New Branches!

PFCCU's new Nixa branch opened on June 11 and PFCCU's new north side branch opened on August 27,
2007. The new Nixa branch is located at 310 W. Mt. Vernon in Nixa and the new north Springfield branch
is located at 3763 N. State Highway H (North Glenstone). PFCCU has enjoyed the time at the branch
inside CU Community Credit Union, but they needed the space and notified us they would not be able
to renew our lease.
We now have our own full-service branch on the north side. PFCCU members for whom the Benton
branch location was convenient can now be served as a PFCCU shared branch member at the
Assemblies of God Credit Union location at 1535 N. Campbell Avenue.
"The opening of the north branch marks a significant
event in the history of the Postal Federal Community
Credit Union. For a long time we have looked forward
to providing full credit union services to our membership
living throughout north Springfield and Greene County.
August 27th marks the beginning of that time.
This accomplishment would not have been possible
without the team effort put forth by our Volunteers,
Management, Staff, and the "North Side Team," all
working together in a magnificent way to bring this
attractive facility on line for the benefit of those we
serve. My thanks and congratulations to all", said
board member Joy Jones. Pam Aleshire is the north
Springfield branch manager and Jana Latourette is
the Nixa branch manager. Stop and see us at our
new locations.
Struggling with a high-interest auto loan is no fun, so why wait to do something about it?
Pay a visit to PFCCU's ree-bate frog right now to refinance your auto loan and we'll give
you a valuable 1% cash back* rebate! Plus you'll be able to take advantage of our great,
low rates. Its the easiest way to make your monthly payments are a lot more manageable.
You can even put your rebate towards your loan!
Even if you haven't financed your vehicle yet, PFCCU can still help. We offer excellent
low-rate auto loans with simple applications.
*Rebate offer applies only to refinancing vehicle loans from other lenders and does not apply to refinancing loans already with PFCCU. Minimum amount to receive
rebate is $10,000. This limited time offer may be withdrawn at any time without notice. All standard PFCCU loan policies will apply. **Annual Percentage Rate, subject
to credit approval and to change without notice.
At PFCCU - it's easy being green. 1% cash back* when you refinance with PFCCU!
Struggling with a high-interest auto loan is no fun, so why wait to do something about it?
Pay a visit to PFCCU's ree-bate frog right now to refinance your auto loan and we'll give
you a valuable 1% cash back* rebate! Plus you'll be able to take advantage of our great,
low rates. Its the easiest way to make your monthly payments are a lot more manageable.
You can even put your rebate towards your loan!
Even if you haven't financed your vehicle yet, PFCCU can still help.We offer excellent
low-rate auto loans with simple applications.
*Rebate offer applies only to refinancing vehicle loans from other lenders and does not apply to refinancing loans already with PFCCU. Minimum amount to receive
rebate is $10,000. This limited time offer may be withdrawn at any time without notice. All standard PFCCU loan policies will apply. **Annual Percentage Rate, subject
to credit approval and to change without notice.
F.Y.I.
Elected Official Nominations
If you are interested in serving as
an elected official of Postal Federal
Community Credit Union, please
request a nomination from Gary
Mason, Chairman of the nominating
committee, or from committee
members Ralph Tate or Gene
Harris, by writing to them at:
C/O Postal Federal
Community Credit Union
1983 E. Seminole
Springfield, MO 65805
You may also call 887-1983 or
1-800-864-5301, or email your
request to PFCCU@postalfed.org.
The completed nomination form
must be received by the nominating
committee no later than Friday,
December 28, 2007.
Regulation E
Effective August 6, 2007, the
Federal Reserve Board amended
Regulation E. Under the final rule,
a consumer is no longer entitled
to a receipt for a transfer of $15
or less. The intent of the rule is
to create the legal framework
for receipt-less, small dollar
transactions, such as transactions
at vending machines, parking meters
and mass transit transactions, where
providing a receipt is impractical.
The consumer may not get a receipt
if the amount of the transfer is
$15 or less.
A Tradition of Excellence Joins The PFCCU Family
Able Manufacturing & Assembly, LLC located in Joplin,
Missouri, is a leader in the fabrication and assembly
of metal, plastic, composite and finished paint products
for the transportation, agricultural, industrial and marine
industries. In business for more than 50 years, with
employment of 425 people, the company has an
outstanding record of providing fully groomed truck
cabs and hoods, large industrial products, and marine
consoles. Some of their customers include: Kawasaki,
Case New Holland, Oshkosh Trucks, Ottawa Trucks,
Miracle Recreation, Autocar, and Crane Carrier Corp.
Able Manufacturing has been a Select Employee Group
with Central Ozarks for over 30 years and is pleased
with the merger and the additional services that are
now available for their employees.
"Able Manufacturing continues to grow and prosper
along with our growing credit union. Able believes in
promoting from within and developing long term
employees" - Susan Adams, Human Resources Director.
Under the direction of Jim Schwarz, President/CEO, Rick Grise, VP Sales & Engineering
and Pete Salmon, VP Manufacturing & Supply Chain Management, Able Manufacturing
has recently had their Pittsburgh Facility certified with the prestigious OSHA Safety and
Health Achievement Recognition Program. PFCCU warmly welcomes Able Manufacturing
to our credit union family.
Note from the President
The holiday season is once again upon us. I hope you and your family have lots to be
thankful for. I know PFCCU certainly does. 2007 has
been an amazing year of success and improvement
for us.
As a service-oriented institution, we have never
been stronger. The additional resources and greater
capabilities we gained after Central Ozarks Credit
Union merged with us in Joplin, coupled with our
expansion into Nixa and our new north Springfield
branch, has put PFCCU in a position to offer an
uncompromising level of convenience and advantage.
It's an exciting time for us.We're thrilled to be
continuing to uphold our goal of providing service
that exceeds your expectations.
In addition, as always we are also truly thankful
for our excellent members.We value each and
every one of you, and promise to keep working
hard to provide you with the high quality products
and services you deserve.
From everyone here at PFCCU, we hope you and your
family enjoy a happy and healthy holiday season!
The rates are fixed in your favor.
Low, Fixed-Rate Home Equity Line of Credit from PFCCU
Taking out a loan doesn't have to be stressful. With PFCCU's low, fixed-rate Home Equity Line of Credit
things are easy. The rate stays the same for the entire term of your loan, which means your don't have
to wonder if your rate will skyrocket year after year. You can relax knowing your consistent monthly
payments will be as manageable at the end of the loan as they were at the beginning.
Rates as low as 6.75% APR* | Loan amounts up to $250,000 - Terms to 180 months with balloon payment
Let things fall into place this autumn. A PFCCU fixed-rate Home Equity Line of Credit is perfect for any project from home improvements to college tuition to travel and more. It's time your plans came to fruition - apply today!
*APR = Annual Percentage rate effective as of May 1, 2007 and is subject to change.
Money & Stuff
PFCCU members with Christmas Club accounts will soon
have their holiday funds available, which means these
members may not be using their credit cards as much
this Christmas. That's a good thing. If you're not familiar
with the Christmas Club account ask one of the PFCCU
member service representatives to tell you about it.
These accounts certainly are a good way to budget for
Christmas spending and most of us can use the help.
Kadie is in the first grade this year and was reading even
before school started. Ethan is in preschool and just one
of the boys. Tyler is into pots and pans, Tupperware and
cheese puffs - it just doesn't get better than cheese
puffs!! I have new pictures so stop by the office and
take a look.
It has been a pretty tough third quarter for this year with
some losing jobs and others losing homes. I think these
events highlight the importance of saving some of our
money each payday. Everyone needs an emergency fund
of some kind that is easily accessible. I'm talking about
savings accounts or money market accounts. Don't make
them too fat, as these accounts are not investments and
therefore do not make much money. These accounts are
perfect for systematic saving though. If you can only save
$5 per week I can assure you it will be well worth the
effort. I have seen the time in my life when $200 would
keep the wolf from the door. If I can help you get a
systematic savings plan started, just give me a call or
come by the office. There is no charge for my services
as I am just one of the advantages of being a Credit
Union member. Do you need an IRA, mutual fund,
annuity or insurance? Do you have questions on estate
planning, retirement planning, or need some good ideas
on how to better manage your income? If you have a
question about your investments or your retirement plan,
give me a call. My extension is 227.
Investments are not NCUA insured, not credit union guaranteed and may
lose value. Registered Representative, Securities offered through Cambridge
Investment Research, Inc. a Broker/Dealer, Member NASD/SIPC. Investment
Advisor Representative, Cambridge Investment Research Advisors, Inc.,
a Registered Investment Advisor. CFG and Cambridge are not affiliated.
Add more joy to your world - with Holiday Skip-A-Pay from PFCCU
PFCCU knows you've been good all year. That's why we're letting
you skip your December loan payment. You get to keep the cash to use however
you want during the holiday season - extra gifts, extra travel, extra celebrations.
It's our way of helping to make this season extra special for you and your family.
To participate in our Holiday Skip-a-Payment program, just complete and return the
required signature form. Then mail, fax or hand deliver it to any branch up
to 10 days prior to your December loan payment due date.We offer flexible options
for paying your low per-loan processing fee**, and you can also opt to skip a payment
for each of your PFCCU loans!
For more information on our Holiday Skip-a-Payment program, call us at 1-800-864-5301
or 417-887-1983.
*Interest will continue to accumulate on your loan during the month that you skip your payment. Funds for payments made through Direct
Deposit/Payroll Deduction remain in your account. Each member is only allowed to skip one payment annually per loan, and all loan payments
must be current to qualify. Payments that may be skipped are those with due dates of 11/25/07 thru 12/31/07. Home mortgages, HELOCs,
Visas, Overdraft LOCs and Payment Shaver Loans are not eligible for the Skip-a-Payment plan. If there is a joint borrower on the account,
both signatures are required on the Skip-a-Pay request. PFCCU requires participants to have had no loan payments greater than 30 days past
due in the prior six months. The first payment of a new loan is not eligible for this program. **Processing fee is $25 or 10% of loan payment,
whichever is less.
This is YOUR invitation to PFCCU's exciting Prime Time's Branson Trip!
Join all your friends at PFCCU for a fun-filled evening you won't soon forget. Mark your calendars for Tuesday,
December 11, 2007, and make sure to reserve your seating today!
TRIP ITINERARY
4:00 p.m.: Meet in Meador Park
(2500 S. Fremont, use Sunset Street entrance)
4:30 p.m.: Motor coach departs for Branson
5:30 p.m.: Dinner at the Moon River Grill
(see menu options at right)
7:00 p.m.: Andy Williams Christmas Show
10:00 p.m.: Return to Meador Park
MENU CHOICES
Pot Roast with fresh herbs, red wine sauce and whipped potatoes
- or -
Grilled chicken breast, lemon herb butter, fresh vegetables
and chef's potatoes
Both menu choices include a green salad with a roll and butter,
and cheesecake with strawberry glaze
Tickets will be $75 each and will include the chartered bus ride, dinner and the show. Call 887-1983 to make your
reservations. When making reservations please have the menu selection for everyone in your party, from the menu
choices listed above.
Holiday Hours
All PFCCU branches will be
CLOSED on the following days:
Monday, October 8
Columbus Day
Monday, November 12
in observance of Veteran's Day
Thursday, November 22
Thanksgiving Day
Thursday, December 25
Christmas Day
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