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Commonwealth Newsletter

Commonwealth Newsletter


Winter 2004

A Dazzling Celebration...75 Years in the Making!
Since 1929, PFCCU has been providing exceptional products and superior service to our members. Now, it's time to celebrate our 75-year heritage! You are cordially invited to join us for an evening to remember-



75th Anniversary and Annual Meeting
Monday, April 19
Time
   6:00 p.m. - Social
   6:45 p.m. - Dinner
   7:30 p.m. - Meeting
The Tower Club
901 E Saint Louis St.
Springfield, MO

Come help us celebrate our diamond anniversary by taking part in the social and meeting the members, staff, and volunteers of PFCCU in the elegant Tower Club. Eat a delicious dinner, and enjoy the annual business meeting, when we will announce the results of the elections to the Board and volunteer committees. Plus, try your luck at winning a valuable prize. We are even giving away a man's and a woman's diamond ring during the event! Tickets are $7.50 per person and may be purchased at any PFCCU location. It's sure to be a fabulous, dazzling evening. Seating is limited for the dinner, so reserve your tickets today. Don't miss it!

Credit Union Closings
All PFCCU branches will be closed the following days:

January 19, 2004
Martin Luther King, Jr. Day

February 16, 2004
President's Day

FYI...
If you are interested in serving as an elected official of Postal Federal Community Credit Union, please request a nomination form from Charlene Mason, Chairman of the Nominating Committee, or committee members Greg Johnston or Ralph Tate, by writing to them.

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 e-mail your request to PFCCU@postalfed.org. The completed nomination form must be received by the Nominating Committee no later than 5:00 p.m. January 30, 2004.

BillPay@Home
The following BillPay@Home monthly fees are effective Jan 1, 2004 for unlimited bill pays:

Advantage Plus checking
FREE

Advantage checking
$2.95

Basic checking
$4.95

In Honor of Our Long History...
For 75 years, PFCCU has been dedicated solely to the needs of our members. From our beginning in 1929, when we served the postal employees in Springfield, to today as we serve families throughout southwest Missouri, PFCCU has been providing low-cost, highquality products and services designed to help our members reach their financial goals.

Below: The postal employees and Ladies' Auxiliary Letter Carriers pose for a photograph during the founding year of PFCCU.

Money & Stuff
We had a wonderful time this Christmas. Kadie is old enough to know what it is all about, for a three-year-old, and Ethan is not old enough to get in her way. She helped open his presents, too.

It's time to start thinking about IRA contributions again. Remember that you have until April 15th to put money in for 2003. The ROTH IRA is the best consideration for most of us, and if you do not know about the ROTH, please give me a call or come by my office. You should also consider increasing the amount you are putting into your 401(k) plan. Even a one percent increase will do a lot, and you won't miss that amount after two paydays. Believe me, you will not be sorry!

What with the election closing in on us and the markets and economy getting better every week, I think it will be a good year for investments (it's about time). If you have questions about your investments or your 401(k) or IRA, call or come by. You know THEY change the rules on these retirement plans almost every year now, so if you hear something that you wonder about.call me. You need to know! It's your money! Remember, my services are offered to you at no cost by your credit union. Why would anyone not want to be a member?

Write to someone in uniform. This is a particularly hard time of the year for men and women in uniform. Write to someone you do not know and thank them for the job that they are doing for all of us. You will really feel good about it!

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.

The Home Loans are Unbeatable...The Inspiration is Free
Flexible, low-rate home loans from PFCCU help make that house your very own. Our convenient home equity loans help you get the most from your home. Now, PFCCU is helping you make your house a home sweet home by giving you a little inspiration-for free.


Attend the 2004 Home Builders Association of Greater Springfield Home Show February 6-8 at the Jordan Valley Park Trade Center in Springfield, and PFCCU will pay your admission. All you have to do is bring in your Home Show ticket stub or brochure when you come to PFCCU to apply for your home equity or home loan, and we'll refund the ticket price for the individuals on the loan. Learn about the latest and greatest products and services for your home, get the best financing- and be inspired, on us!

Home Loans
  • Zero-down payment option
  • ALT 97 program for the ultimate in flexibility!
  • Competitive adjustable rates
  • Low fixed rates locked in at time of application*
  • VA and FHA loans available
Home Equity Loans
  • Terms between 5 and 15 years
  • Interest rates as low as PRIME + 0% APR!*
  • No application, appraisal or origination fees
  • No points, closing costs or pre-payment penalty
*Annual Percentage Rate, subject to credit approval and to change. At publication, Prime is 4.00% APR as stated in the Wall Street Journal.

More Free Time...For Free
A checking account should make your life easier, helping you do the things you want and need to do. PFCCU's Advantage Plus checking account does all that-plus, it gives you more free time to enjoy. for free! Advantage Plus accountholders can use PFCCU's online bill payment system, BILLPAY@HOME, COMPLETELY FREE OF CHARGE FOR UNLIMITED BILL PAYS, so you can spend less time paying bills and enjoy more free time.

With Advantage Plus, you reap the rewards of interest checking with no minimum balance requirement. all for a low monthly fee of $5. Qualified members will also enjoy a VisaŽ check card, 12 free foreign ATM transactions per month*, and many convenience, security, and travel benefits. Plus, we've added two more features to Advantage Plus:

LOCAL CONNECTIONS-Save money at your favorite local merchants with printable on-line coupons. Access two-for-one restaurant discounts, as well as savings on attractions, auto and home services, clothing, and more.

EVERYDAY REBATE REWARDS-Get cash back by purchasing items you use every day. Just save and send in your grocery, dining, clothing or pet supply receipts (up to $100) with your request form each quarter to receive 10% cash back.

Why have a checking account anywhere else? Open your PFCCU Advantage Plus checking account today. For more information, call 417-887-1983 or visit www.postalfed.org.

*ATMs belonging to another financial organization may charge a surcharge. PFCCU will charge a $1 fee for foreign ATM usage over the Advantage six free and Advantage Plus 12 free foreign ATM withdrawals and balance inquiries in a calendar month.

Note from the President
As do all of us here at Postal Federal Community Credit Union, I begin the year 2004 with great anticipation and incredible excitement. This year marks the 75th anniversary for our credit union-a momentous occasion.

Throughout our history, our focus has been on providing our members with a better financial alternative, promoting financial literacy, and offering more intuitive products and personal service. It's something you just can't find anywhere but at PFCCU. I'm sure that our commitment to those principles is at least a small part of what has helped us reach this milestone. The larger part has been, of course, you. to your enduring support and trust. We truly appreciate your loyalty and the opportunity to serve your financial needs.

To celebrate our mutual achievement, I'd like to personally invite each and every one of you to join us for our 75th Annual Meeting on April 19. It will truly be a special event. The Tower Club will be the beautiful setting where you can enjoy the business meeting, a delicious dinner, social time, and trying your luck at winning a prize. I hope to see you there.

Thank you for giving us 75 great years. and for the opportunity each day to make you glad you did! On behalf of all of us here at PFCCU, I wish you a very happy and prosperous new year. Please let us know how we can help you make it one of the best for you and your family.

Financing your College Education
An Educational Session for Parents and College-Bound Students

To help families in our community with growing college expenses, PFCCU offers Federal Family Education Loans (FFEL). Both college-bound children and returning adult students may be eligible for these low-rate federally backed loans.

To learn all about the three types of FFEL loans and other financing options, plan to attend PFCCU's Financing Your College Education Night:

Thursday, January 29
6:30 p.m. to 8:00 p.m.
Consumer Credit Counseling Education Center
1515 S. Glenstone
Springfield, MO

Call 417-887-1983 today to make your reservation.

The Best Homebuyer is an Informed Homebuyer
Be informed. It's as easy as attending PFCCU's 4th Annual Homebuyer's Seminar. Learn all about the home buying process from industry professionals like appraisers, inspectors, real estate agents, and mortgage loan officers.

4th Annual Homebuyer's Seminar

Mid Missouri Bank Tech Center
1619 Independence
Springfield, MO 65804
Monday, March 8, 2004
6:30 - 8:30 pm

To reserve your seat, call us at 417-887-1983.

PFCCU Bernie Brodhacker New Attitudes Scholarships
Postal Federal Community Credit Union will award three non-renewable $1,000 scholarships this year to graduating high school seniors. To apply for the scholarship, applicants must be a graduating high school senior and a member of PFCCU and the NEW ATTITUDES Club as of February 13, 2004. All of the requested documents must be included and the application must be postmarked no later than April 1, 2004. Pick up your application today at any PFCCU location or call 417-887-1983 to request that an application be mailed to you.

Credit Unions' Golfing for Kids
It's our 8th Annual Benefit Golf Tournament! 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 1:30 p.m.

Entry fee $90
Corporate Sponsor $425.00
Executive Sponsor $195.00
Cart Sponsor $75.00

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

Credit When Credit is Due!
Are you starting out and have no credit or do you just need to rebuild your credit? Do you want better rates, better terms or options? Consider taking "Credit When Credit is Due," the nation's first course in comprehensive credit education. Designed for consumers who are borrowing money or asking for credit, the course prepares individuals to better handle their own finances in the future.

Springfield Credit Unions in partnership with Consumer Credit Counseling are offering this four-week class free to our members (a benefit worth $50). Dinner and childcare will be provided.

Deliverance Temple
2101 W Chestnut Expressway
Springfield, MO
February 5, 12, 19 and 26
5:30-8:00 p.m.

Seating is limited. To register for this class, please call Tracey Blaue at Consumer Credit Counseling at 417-889-7474


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