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Commonwealth Newsletter
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Spring 2009
Pull out your party hats! We’re 80! PFCCU’s 80th Annual
Meeting
Join us as we celebrate PFCCU's accomplishments this past year, reveal plans for
the future and announce the results of our Board and volunteer committees. Plus,
have a chance to win great prizes! Tickets are only $7.50 per person and may be
purchased at any PFCCU location. Please reserve your spot by April 13.
Don't miss this momentous celebration!
Monday, April 27, 2009
PFCCU 80th Annual Meeting
New Location
Executive Conference Center Ballroom
910 West Battlefield Road
Springfield, MO |
6:00p.m. Social
6:45p.m. Dinner
7:30p.m. Meeting
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Tickets are only $7.50 per person and may be purchased at any PFCCU location.
New Benefit of PFCCU Membership:
BALANCE Financial Fitness Program
PFCCU is dedicated to helping you realize your financial goals - reducing
debt, saving for higher education, buying your first home, or planning for
retirement. Which is why we are excited to announce your newest benefit of
membership: BALANCE Financial Fitness Program.
Through balance, you have access to free unbiased money management
information and assistance. All you have to do is make a toll-free phone call.
BALANCE Counselors can answer many of your questions immediately - from how
long an item stays on your credit report to whether its better to lease or buy a
car. For more complex issues, such as debt elimination or budget development, an
appointment will be scheduled - giving you the personal attention you need to
meet your objectives.
If bills have gotten out of hand, your counselor may be able to arrange a
Debt Management Plan. BALANCE negotiates with creditors to reduce interest and
fees so you can pay your debt quickly and efficiently. As a member of PFCCU, the
program's monthly administration fee of $20 is waived.
To use the new program, simply call 888-456-2227. Counselors are available
Monday through Thursday, 7am to 10pm (CST), Friday, 7am to 7pm (CST), and
Saturday, 10am to 7pm (CST) or visit
www.balancepro.net for more information.
We recognize that money concerns have a serious effect on our quality of
life. Now, through our newest partnership, you have access to the very best
professional guidance - so you can achieve financial security faster than you
ever thought possible.
Money & Stuff
 
Not much good news in the markets. It's the worst market since 1930 and this
time it's everywhere in the world. Having said that ... we will come out of
this! I only wish I knew when.
The only things I am talking to members about at this time are, (1)Money Market
Accounts, (2)Municipal Bond Funds, (3)CDs. There are some wonderful bargains in
stocks out there, but I understand that most are not interested in buying at
this time. All stocks are down and most of those that have paid a good dividend
in the past have stopped paying. Just don't make the mistake of stopping what
you are putting into your 401(k)-type plans!! The growth in these plans will be
tremendous in time.
Of all the news out there the info that bothers me the most is the unemployment
numbers. When people do not have income, they can't spend $$$ and it is spending
that drives the economy.
On a better note; Jacob Elliot and Zachary Christian were born on the 15th of
January. All are doing fine and growing. Both are very pretty babies and I can
tell already that they are very smart. Kadie is enjoying school and wants a
horse. I guess I could keep one in the back yard. Ethan and I went backpacking.
Hiked in about 600 yards and had a great time. I don't think Kadie will ever be
a backpacker, but with 4 grandsons there will be plenty. All I will have to do
is "keep up".
With all that is going on in the marketplace, if you have questions about your
401(k)-type plan, just ask me. I have looked at hundreds of them and I will be
happy to explain yours to you. NO CHARGE for the services because you are a
Credit Union member. I sure hope things are better for the next newsletter. This
too shall pass.
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
We are still in the midst of an uncertain economy, but I want you to know PFCCU
continues to provide safety and security to you - our valued members. Even in
these times, we are still able to provide you with excellent products and
services at low, competitive rates.
If you are someone who has lost money in a 401(k) through your employer, we can
provide you a safe haven for your 401(k) dollars with our Individual Retirement
Account (IRAs). By moving your dollars to an IRA, you can have the added
assurance of knowing all of your money is safe and sound in one trusted place.
While other financial institutions are lending less money and cutting back on
their products, we still have money to lend. We offer great, low rates on our
Auto, Home and Personal Loans and continue to provide you with exceptional
offers on all of our products and services. We have recently added a new program
to our existing member benefits - BALANCE Financial Fitness. We hope this
program will help answer any of your financial questions.
To get through these uncertain times, know that we have trained financial
representatives on staff that will review the benefits of the credit union with
you, as well as review your personal financial information in order to maximize
what you have going on financially.
PFCCU continues to be a safe place to house your dollars and we plan to stay
that way. If you would like to discuss in further detail PFCCU's financial
outlook or your current financial situation, please feel free to stop by or call
us at 887-1983
Get the Advantage!
PFCCU offers two great programs for our youth members - First Advantage for
members 14-18 and First Advantage Plus for members 19-24. In order to take
advantage of the great benefits offered by each of these programs, just open a
First Advantage or First Advantage Plus Checking Account and Savings Account.
First Advantage
To help you excel in your future, First Advantage offers these great products
and services:
- Annual Scholarship Program - You could be awarded one of
three $1,000 scholarships
- Guaranteed Student Loans - Apply for a guaranteed loan to
help pay for college
- Quarterly Newsletters - Receive the latest news and
helpful hints four times a year
- Fun & Games - Play games and have a chance to enter
fantastic giveaways
- Checking Accounts and Online Banking** - A FREE Checking
Account that also includes - Unlimited Check Writing, Home Banking, Visa®
Check Card (Debit Card) and ATM services*
- Savings Account - With a low $25 minimum deposit, you
could earn dividends and ATM Services*
- Convenience and Safety - With a Visa® Check
Card (Debit Card), you have the added security of having a PIN number in order
to make purchases and to access your account. You also have the convenience of
being able to access your money and account information anywhere, anytime.
First Advantage Plus
To help you move forward in your life, the First Advantage Plus program offers
these great products and services:
- Checking Accounts - a FREE Checking Account that also
includes - Unlimited Checking Writing, No Per Check Charges, Visa®
Check Card (Debit Card), ATM Services*
- Free Online Backing and Free Online Bill Pay - Do your
banking from anywhere you have Internet access
- Guaranteed Student Loans - Apply for a guaranteed loan to
help pay for college
- Auto Loans - Put yourself in the seat of a new or used
car with great member benefits
- Visa Credit Cards - With two options to choose from, you
can choose the one that will work for you
- Savings Account - Save for any goal with a low $25
minimum deposit and you could earn dividends and ATM Services*
- Convenience and Safety - With a Visa® Check
Card (Debit Card), you have the added security of having a PIN number in order
to make purchases and to access your account. You also have the convenience of
being able to access your money and account information anywhere, anytime.
PFCCU Visa® Check Cards (Debit Cards)
- Easy to use
- Funds come directly from your Checking Account
- Balance can be viewed 24/7 from wherever you have
Internet access
- Accepted anywhere Visa is accepted, unlike checks
Did you know? Studies have found that since 2000, Debit Card
transactions have grown 21% compared to 6% for Credit Card transactions because
of the convenience and ease of use. Don't fall behind the times - start using
your Visa Check Card today!
* Applies to PFCCU's fee only. ATMs
belonging to another financial organization may charge a surcharge. PFCCU will
charge a $1 fee for foreign ATM usage over the First Advantage six free foreign
ATM withdrawals and balance inquiries in a calendar month from checking, savings
or a combination of both accounts.
** Qualified parent or guardian required on account. Account does not come with
overdraft protection. Upon request, members may establish overdraft protection
through a savings account, a parent/guardian savings or checking account or any
combination of the three.
Prime Time Members -
We Need To Hear From You
With the current economic situation, the number of attendees for the 2008 Prime
Times trip was the lowest it has ever been. We want to continue providing a trip
for you, if this is something that you want. PFCCU is watching expenses too, so
if we book a trip and the attendance is low, that is an expense that we could be
using on a benefit that could better meet your needs.
Before we book a 2009 trip, we want to hear from you. Email or call Jill Bishop
at jbishop@postalfed.org or
417-887-1983, ext. 312 to let PFCCU know where you would like to go or if you
would like to take a break this year. Depending on what we hear from you will
determine whether we schedule a 2009 Prime Times trips.
Please respond no later than April 30. We will have the final result
in the July member newsletter. Thank you in advance for letting PFCCU
know what you want.
Life may throw you lemons, but we've got a perfect place
for you to put the lemonade!
Even though the economy may be looking a bit sour, don't let that stop you from
getting a great deal on a new or used car! A great-rate auto loan from PFCCU
will allow you to do just that! With rates as low as 4.74% APR* you can enjoy
your freshly made lemonade with the windows down in your new or used car today!
- Flexible term options
- New or used - for purchase or refinance
- Finance your car, truck, motorcycle or RV
Not looking to buy? No problem! PFCCU also offers a 1% cash back rebate when you
refinance your vehicle from a different financial institution with PFCCU.**
Don't miss out on this refreshing offer! Visit
www.postalfed.org or stop by any branch to apply or for more information.
Spring into home improvement!
Home Equity Loans from PFCCU
Are you tired of spring showers causing your roof to leak? Well we have a
solution for you - a Home Equity Loan from PFCCU may be just what you need to
get you through the rainy season so you can enjoy the May flowers.
With rates as low as 4.00% APR* - you can not only fix up your home, but you
can also use the money for college tuition, vacations and more!
- No annual fees
- Flexible terms up to 10 years
- Quick approval and closing
- Easy access to your funds
Applying is easy - just visit
www.postalfed.org to get started today!
Tee Off For a Good Cause!
13th Annual Benefit Golf Tournament
Start practicing now! It's time once again to join PFCCU for the 13th Annual
Golfing for Kids Tournament! Enjoy a great round of golf - all while benefiting
the Ozarks Children's Miracle Network, an international non-profit organization
that raises funds to help sick and injured children who need medical care.
View Brochure
Date: Friday, September 11, 2009
Location: Rivercut Golf Course
2350 Farm Road 190, Springfield, Missouri
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Format: Four player scramble open to singles and
teams
Tee Time: 8:00am
Registration will close when tournament is full.
Entries are not confirmed until payment is received.
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Early Bird Entry Fee: $90 per person or $360 per
team
After July 1st Entry Fee: $100 per person or $400 per team
Prizes: Two flights with three prizes awarded
Contests: Longest Drive (men and women), Closest to
the Pin, four Holes-in-one
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Show your support on and off the course as a player and
sponsor.
Presenting Sponsor: $2,500
Corporate Plus Sponsor: $500
Corporate Sponsor: $425
Executive Sponsor: $195
Cart Sponsor: $50
We are also seeking donated items to be used for goody bags or door prizes.
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Our Policy on Privacy
To assure 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 nonpublic 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 cicumstances 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 Community Federal Credit Union
1983 E. Seminole
Springfield, MO 65804
417-887-1983
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