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Commonwealth Newsletter

Commonwealth Newsletter


Spring 2004

Not just Bigger, Better! Our Branson location has moved, for You!
We have great news for Branson! Postal Federal Community Credit Union has moved from our location at 208 East College to a larger facility.

This new location is conveniently located to many residential areas in this northern part of the city.The move to this larger facility will enable PFCCU to better serve more members more efficiently than ever before.

This new location is already open to serve our existing and new members with outstanding financial products and services and excellent personal service.To celebrate,we are inviting everyone to our Grand Opening Celebration on April 23! We'll have refreshments, give-aways, and valuable prize drawings. You won't want to miss it.

If you have any questions about our new location, our grand opening celebration, or would like directions, you may call the Branson location directly at 417-339-3954.

FYI...Credit Unions' Golfing for Kids
Enjoy a round of golf and benefit Children's Miracle Network at the same time!

Rivercut Golf Course
2350 W. Farm Rd. 190
Springfield, MO

Friday, September 17
Shotgun starts at 7:30 a.m. and 1:00 p.m.

Entry fee $90
Corporate Sponsor $425
Executive Sponsor $195
Cart Sponsor $75

To register to play or to become a sponsor, call PFCCU at 417-887-1983.

Missouri Credit Union Association Meets with Legislators
The Missouri Credit Union Association recently held a breakfast in Washington D.C. for Missouri Senators and Representatives.

Ralph Tate, David Phelps, Congressman Roy Blunt, Steve Pierson, Senator Jim Talent and Hal James.

The Shortest Distance between You and Your Money...
Online Loan Applications at www.postalfed.org.
If you're looking for an easy, convenient way to get the money you need, look no further than your mouse. Postal Federal Community Credit Union offers online loan applications at our Web site at www.postalfed.org, giving you a hassle-free way to apply for the loans you need 24 hours a day.

Just click the loan application link from our home page resource center. or on our loans and rates pages. You can apply for just about any type of consumer loan. even home equity loans, boat and auto loans, credit cards, and unsecured personal loans. It's a quick and secure way to apply from the comfort of your own home, and, best of all, it's one of the fastest ways to get approved!

So visit www.postalfed.org today to apply for your loan in a click of a mouse! It's the shortest distance between you and the money you need.

Home is where the Good Investment is...
And because it's also "where the heart is," we are happy to help you on your way. A low-rate home loan from Postal Federal Community Credit Union is the place to start. Whether purchasing or refinancing, it's an excellent choice. Our incredibly low interest rates will save you money, and our flexible options let you easily customize your loan to your own needs.

  • Competitive adjustable rates or fixed rates that we lock in at the time of application*
  • Flexible payments-let you make unlimited extra payments during the month to better control your finances.
  • Low-down payment and no-down payment options
  • VA and FHA home loans available-to make it easier than ever for more people to realize their dreams of home ownership!

Though your home may be your castle, you don't have to fight dragons or swim any moats to get started. Even the first step to financing your home with PFCCU is simple and convenient. all you need to get pre-qualified is online at www.postalfed.org. Just go to our home loans page and download your questionnaire.

For more information or to schedule an appointment, call us at (417) 887-1983 or 1-800-864-5301. One of our knowledgeable real estate loan officers will be happy to sit down with you and advise you on the options that best suit your needs.

*Available to qualified members.

Our Policy on Privacy
To ensure the continued privacy and confidentiality of your personal financial information, your credit union observes these practices and procedures:

INFORMATION WE COLLECT
We collect nonpublic information about you from some or all of the following sources:

  • Information we receive from you on applications or other forms.
  • Information about your transactions with us, our affiliates, or others.
  • Information we receive from a consumer-reporting agency.

INFORMATION WE DISCLOSE
We may disclose non-public personal information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements, so that we may provide you with competitive products and services. We may also disclose information about you under other circumstances as permitted or required by law.

OUR SECURITY MEASURES
We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your nonpublic personal information. If you have any questions regarding this notice please contact us at:

Postal Federal Community Credit Union
1983 E. Seminole
Springfield, MO 65804
417-887-1983

Remodeling, Rennovating, Redecorating
We've already mastered your best financing choice for your spring home improvement projects. a Postal Federal Community Credit Union home equity line of credit (HELOC). With a home equity line of credit from PFCCU, your financing becomes the easiest part of reaching your goals. In fact, our HELOC can help you finance just about anything. an education, special occasion, travel, or even debt consolidation.

When you use your home's equity to finance your goals, you can take advantage of lower rates. and at PFCCU, our home equity rates are exceptionally low, making us the smart choice for getting the cash you need!

Our low-rate revolving line of credit lets you finance the amount you need when you need it, for the ultimate in convenience. so you only pay interest on what you use. The best part is your interest may even be tax deductible (consult your tax advisor).

Roll up your sleeves and put your equity to work for you, while rates are still low! Call us at (417) 887-1983 or 1-800-864-5301 or drop by to get your application started today!

*Annual Percentage Rate, subject to change. Normal credit standards apply.

Money & Stuff
Seventy-five years! It's hard to believe. and it's hard to believe that this year is a quarter gone! Ethan will be one year old in 4 months. I think his hair is starting to sprout on his head. Kadie is growing like the weeds in my yard and my grand-dogs are doing fine.

This is a good time to take a look at your 401(k) plan. We have had a pretty good run for about the last 12 months (I know it does not seem so, but we have). I can't tell you enough to keep an eye on your investments. It's your job to watch your money. However, you can get some help from me. I don't have all of the answers, but I can get them for you.

There are a lot of new offerings in the annuity area, and I have been getting some calls about "indexed" annuities. It could be just what you want. or not. In the coming months, I will have a lot of products in addition to CUNA Mutual Life Products. So if you have a need for something that you are having a hard time finding, well, just give me a call. You know that there is no charge for my services. I'm brought to you by the credit union that has been looking out for you for the past 75 years!

Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Insurance sold through licensed CUNA Mutual Life Insurance Company representatives, and in New York, licensed insurance representatives of other companies. Non-deposit investment products are not federally insured, involve investment risk and may lose value, and are not obligations of or guaranteed by the credit union. CBSI is a registered broker/dealer in all fifty states of the United States of America.

Note from the President
Recognition for hard work is truly an honor, regardless of what you do or whatever form that recognition takes. Whether it be a kind word of approval from a superior at work or from a loved one at home, it can mean so much to know that you are appreciated for what you do and how you positively affect others. Therefore, I want to express, on behalf of everyone here at Postal Federal Community Credit Union, my gratitude to our members for the honor you have bestowed upon us yet again. This spring, you named us the "Best Credit Union" for the "Best of the Ozarks" by the Springfield News-Leader for the second year in a row.

It is a great honor to receive such recognition, and we thank you all. Our goal is to continue earning your trust as well as your praise. We do that by continuing to assess our product line and introduce new services to meet your needs. and by providing quality, personal service that makes your financial life easier and more convenient. We strive to offer educational seminars and programs that help you to make informed decisions. We ensure that our rates are competitive so that you always have a low-cost financial solution for whatever your needs are. And sure, it may be our job, but it's nice to hear that our members approve.

In that same spirit, I want all our members to know that we always welcome your feedback. Let us know how we can serve you. I look forward to speaking to many of you at our upcoming Annual Meeting, and I also welcome you to give us a call any time to let us know how we can continue meeting your financial needs. We are more than happy to serve you.

Take Self Defense for your Identity
Many people take self-defense classes for their physical personal protection, but what they don't teach you is how to protect your identity. We're pleased to present the very course you need.

PFCCU's IDENTITY THEFT SEMINAR
Tuesday, May 4 6:30 pm to 8:00 pm.
Barkley Auditorium in the City Utilities Training Center
Just north of the City Utilities main office building at 301 E. Central in Springfield

The educational seminar will feature a credit bureau representative, a representative from the district attorney's office and a speaker from the Springfield Police Department, who will share with you their helpful tips on keeping your identity safe. It's an important seminar you won't want to miss. Reserve your seats by April 28 by calling us at (417) 887-1983 or 1-800-864-5301.

Branch Closings

May 31, 2004
Memorial Day

July 5, 2004
In observance of Independence Day


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