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Commonwealth Newsletter Summer 2008 Spring 2008 Winter 2008 Fall 2007 Summer 2007 Spring 2007 Winter 2007 Fall 2006 Summer 2006 Spring 2006 Winter 2006 Fall 2005 Summer 2005 Spring 2005 Winter 2005 Fall 2004 Summer 2004 Spring 2004 Winter 2004				Fall 2008 Enter A Whole New World of Convenience Special Membership Meeting Notice F.Y.I. Money & Stuff Note From the President Take a HOLIDAY from your loan payment this holiday season! Put Your Money to Work with PFCCU's Money Market Accounts Your Money is Safe at Our Credit Union Enter A Whole New World of Convenience With E-Statements and Online Bill Pay Take an extra step toward protecting your identity. It’s easy, convenient and the best part is, it’s FREE! It’s Postal Federal Community Credit Union’s E-Statements. With PFCCU’s E-Statements, you receive an email notification that your statement is ready to view in a secure, online environment. It’s incredibly convenient to view your statements online, whenever and wherever you want, giving you an extra reason to sign up today. Check out some of the great benefits! FREE Online Bill Pay: • Easy way to pay bills • Schedule one-time or automatic payments E-Statements: • 24-hour online access • View statement history back to 2005 • Ability to save your statements to your PC or on a CD • View your statement sooner With E-Statements and Bill Pay, you’ll soon be enjoying the easiest and most secure way to manage your account from PFCCU! To begin using these great services, visit postalfed.org and log on to online banking – then follow the prompts for E-Statements and Bill Pay. For more information about our online services, visit us online at postalfed.org or call us today. Special Membership Meeting Notice The Board of Directors of the Postal Federal Community Credit Union has called for a special meeting of the membership to vote on eliminating the Credit Committee. Our volunteer Credit Committee used to meet regularly to make decisions on loan applications and other decisions involving loans. Today, members want loan decisions to be made quickly which is not practical for our volunteer committee. The meeting will be held at 5:00 pm on Tuesday, October 28, 2008 at our Sunset facility, 1770 W. Sunset Ave., Springfield, MO.. 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 form from Joy Jones, Chairman of the nominating committee, or from committee members David Bailes or Gene Harris, by writing to them at: C/O Postal Federal Community Credit Union 1983 E. Seminole Springfield, MO 65804 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 26, 2008. PFCCU Members are invited to an ID Theft Event Tuesday, October 21, 2008 5:00 – 8:00 pm. Consumer Credit Counseling 1515 S. Glenstone Springfield, MO Come by to receive free shredding of your secure documents from Cinta’s Document Shredding between 5:00 – 8:00 pm. Ron Carrier from the Missouri Attorney General’s Office will be speaking on ID Theft from 6:30 – 7:30 pm. Call PFCCU at 417-887-1983 to RSVP for the ID Theft Event by Friday, October 17. Money & Stuff Time sure flies! It’s October, so the year is just about gone. It sure has been a hard one for investors. However, we will soon have new people in offices and the expectation for “better” gives us all hope for improving things to come. It may be hard to accept, but these past markets have been very good for IRAs and 401(k) type plans. There have been some outstanding buys made in these plans because of the depressed prices of stocks in the sub accounts. This has been a very good time to put money into these plans and when the markets recover (they always have) we will look back on this time and see that it was very good for our retirement plans. If you have a question about your plan, feel free to stop by my office with a copy of your last statement and we can take a look. Well, on to other good news… my son and his wife who live in K.C. (Tyler’s folks) will have twins, yes twins, in January. Grandma and I are just stocking up on all of the stuff that will be needed. At the drafting of this letter we do not know what they are, but who cares. We are excited!!!! Tyler had a wonderful time at the MO. state fair. Got himself a big blue monkey. We are going up to see him this weekend. Kadie just got back from a trip to see her great grandma and had a wonderful time riding horses. She loves horses. Ethan is in kindergarten this year and really likes it. I’m just glad that I am not the teacher. He is all boy! Remember that there is no cost for the service that your Credit Union brings to you through me, so take advantage of what I know and can do for you. And I usually have new pictures of the grandkids. We will also know what the twins will be so give me a call for further details. Investments are not NCUA insured, not credit union guaranteed and may lose value. Registered Representative, Securities offered through B & I Co., a Broker/Dealer, Member NASD/SIPC Investment Advisor Representative, B & I., a Registered investment Advisor. Note from the President Once again, the end of the year is fast approaching. And now is the time we begin to reflect back on what we have learned and apply it to the upcoming year so we can continue to improve and be a successful financial cooperative. PFCCU has had another fantastic year in 2008 and we are very thankful to our wonderful members for making that possible. As we look ahead to the upcoming year, we focus on how we can continue to uphold our goal of providing service that surpasses your expectations. In order to do that, we continue to add more products and services to serve you better. We have recently added Money Market Accounts in order to help you, our members, save money for the future. Our Money Market Accounts will allow you to earn higher dividends on your investment, while still maintaining access to your money. Another great new service is E-Statements. This service allows for a safe and secure way to receive your statements. You can also view and pay your bills online with Online Bill Pay. This service is free if you are signed up for E-Statements. These are two ways we have made our services easier and more convenient for you. As one year comes to a close and a new year begins, we look forward to continuing to serve you and continue to make improvements so your experience at PFCCU will continue to exceed your expectations. From everyone at PFCCU, we wish you and your family a happy and healthy holiday season! Take a HOLIDAY from your loan payment this holiday season! Holiday Skip-A-Pay from PFCCU Start the holidays off early this year by skipping either your November OR December payment on qualifying loans!* With no hidden fees or surprise charges, PFCCU’s Skip-a-Payment program lets you enjoy what matters most this season — friends and family. To participate in our Holiday Skip-a-Pay program, simply complete and return the required signature form below. Then mail, fax or hand deliver the form to any branch up to 10 days prior to your November or December 2008 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 eligible PFCCU loans. It’s that easy! At PFCCU, our members are special to us, and this is just one more way we wish to show our appreciation for being such a valued member this holiday season! Download Holiday Skip-A-Pay PDF form 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 11/01/08 thru 12/31/08. Home mortgages, HELOCs, Visas, Overdraft LOCs and Payment Shaver Loans are not eligible for the Skip-a-Payment plan. If there are co-borrower(s) on the loan, all 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. By selecting the PFCCU Visa option for payment of the processing fee(s), you hereby agree to all terms and conditions set forth in the credit terms. The processing fee will only be deducted upon available credit limit funds, otherwise your Skip-a-Pay request will be denied, or other payment options would need to be selected. Put Your Money to Work with PFCCU's Money Market Accounts You work hard and so should your money. Money Market Accounts from PFCCU are the ideal way to start earning more today. With an initial deposit of $2,500, you can earn outstanding dividends on your investment while still maintaining access to your money. You’ll earn a higher rate of return than with a checking or savings account so you can just sit back and watch your savings grow! Start earning more today. Call, click or come into any PFCCU branch to learn more. Your Money is Safe at Our Credit Union The closing of IndyMac Bank and the resulting media reports about FDIC coverage are raising questions about credit union insurance coverage in Missouri. Postal Federal Community Credit Union wants to assure you that your money is safe in a credit union. Since 1970, credit unions have been federally insured through the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration. The U.S. government backs this fund with full faith and credit just as it does the FDIC. NCUSIF provides the same amount of coverage for credit unions as the FDIC does for banks: up to $250,000 per depositor and additional coverage of up to $250,000 per depositor for other types of accounts, such as IRAs. For more information about your account’s coverage, contact PFCCU or see the NCUA’s insurance estimator at http://webapps.ncua.gov/ins/. TO LEARN MORE, VISIT: National Credit Union Share Insurance Fund (NCUSIF) http://www.ncua.gov/ShareInsurance/index.htm Your Insured Funds** http://www.ncua.gov/Publications/brochures/insured_funds/funds.pdf

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