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Commonwealth Newsletter |
Winter 2008
Award yourself with Platinum!
Getting a PFCCU Platinum Visa credit card can be very rewarding, especially with our EXTRA AWARDS program. For every dollar you spend* using your PFCCU Platinum Visa, you earn one Extra Awards point to use toward travel anywhere in the world! The PFCCU Extra Awards program gives you greater flexibility than programs tied to a specific airline or merchant. Plus, there's no need to visit special Web sites or make purchases at specified merchants to earn points. Simply use your card and watch the points add up. When you have enough points for the reward of your choice, just submit your redemption request. That's it! Your travel options are virtually limitless! Use your points to head for the sun, surf, slopes, or your favorite city’s streets. Since your purchases earn Extra Awards points, not air miles, you can travel on most major airlines with fewer restrictions. The PFCCU credit card also allows you to transfer money to your PFCCU savings or checking account and the amount is applied to your PFCCU Visa balance. This is an added convenience of a PFCCU Visa card. This PFCCU card benefit prevents you from having to use balance transfer checks from other cards that charge a fee for cash advances. Enjoy the flexibility of shopping from home, visiting your favorite retail stores or taking a trip with your Extra Awards points. It's easy to redeem your points online or by phone. Apply for your PFCCU Platinum Visa today at www.postalfed.org! *Cash advances do not qualify. The Charles Green Postal Federal Community Credit Union Scholarship Opportunity Attention, high school seniors! As you scholars embark upon your last semester of high school, you are undoubtedly preparing for your future. That should include applying now for the Charles Green Postal Federal Community Credit Union Scholarship, named after a former elected official who served on the PFCCU Supervisory Committee and Board of Directors for more than 22 years. PFCCU will award three non-renewable $1,000 scholarships this year to graduating high school seniors – and one of them could be you. To be eligible, applicants must be a graduating high school senior and a member of PFCCU as of February 13, 2008. The application must be postmarked no later than April 1, 2008, and all requested documents must be included. Download a copy of the application here, pick one up at any PFCCU location, call 417-1983 to request one by mail. This scholarship is our way of thanking our First Advantage members for choosing PFCCU as your credit union! F.Y.I. ATTN: DEBIT AND ATM CARD USERS ATTN: CREDIT CARD HOLDERS We Swing for Kids
Participating credit union representatives present the donation check to CMN. In the fall of 2007, participants at the Golfing for Kids tournament worked on their golf swings while benefiting a very important cause, the Children’s Miracle Network. This special event raised $21,061.20 for this charitable organization that helps sick and injured children in our communities. To make efforts in 2008 an even greater success, mark your calendars now for the 2008 Golfing for Kids tournament, to be held at Rivercut Golf Course on Friday, September 12 at 8 a.m. The 2008 tournament will feature a morning tee time only. Watch for more details to come soon. Note from the President
Other new things I encourage you to do – or see – are our newest branch locations. These branches in north Springfield on North Glenstone, in Nixa on West Mt. Vernon, and our Central Ozarks Branch on Sergeant in Joplin are great additions to our ever-expanding branch network. They add great service and convenience to many of our members near work and home. This growth is entirely due to the tremendous support from our members, and we thank you all for your loyalty and your business.We also thank you for referring your friends, coworkers and family members to PFCCU – this is also a great way we can grow and become even better for our entire membership. Please continue to refer new members to PFCCU throughout 2008. With your help, we can all make it a great year. You’re young. You’re smart. You’ve got the Advantage!
Time is on your side, right? Now put PFCCU’s First Advantage or First Advantage Plus program on your side, too! These two great programs are designed especially for our younger members –offering valuable benefits that will help prepare our teen, college-aged and young adult members to take advantage of all the great opportunities coming ahead. Members aged 14 to 18 can join our First Advantage program. You’ll start with your own Savings Account and Free Checking Account* with unlimited check writing, a Visa Check Card, and ATM Services including six free foreign ATM transactions per month**, not to mention the opportunity to learn the ropes of money management. You can also take advantage of Home Banking, secure a guaranteed student loan, explore helpful financial information in our newsletter or on our CUSuceed website, and even apply for one of three $1,000 non-renewable college scholarships. Download your scholarship application today at www.postalfed.org! First Advantage Plus is available for our 19 to 24 year-old members. With the same great products as our First Advantage program like Free Checking, Home Banking, Savings Accounts, and guaranteed student loans, it also offers a little something extra. With First Advantage Plus, members have access to FREE BILLPAY, and can even apply for special discounted auto loans and a great-rate PFCCU Visa Credit Card. Members can easily upgrade to a First Advantage or First Advantage Plus account by coming in to your nearest PFCCU branch and signing a new membership card. We want all our young members to start the year, and your finances, off right – ask about First Advantage and First Advantage Plus today! *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. **Applies to PFCCU’s fee only. ATMs belonging to another financial organization may charge a surcharge. PFCCU will charge a $1 fee for foreign ATM usage over the First Advantage Plus six free foreign ATM withdrawals and balance inquiries in a calendar month. Money & Stuff
Boy the housing thing has sure been a kick in the %&$*@#*. I think that the credit card debt a lot of people are carrying is going to cause some problems too. If you are ever going to get yourself out of credit card debt NOW IS THE TIME! No, don’t try to do it with a home equity loan! You cannot borrow your way out of debt! Do it by cutting back on your spending. Most of the people I talk with about credit card debt don’t even know what the money was spent on. Remember, for many people a credit card is a way to get things you don’t need with money you don’t have. It was a wonderful Christmas at our house again this year. The kids got lots of stuff and the adults did too. Kadie and Ethan got Guinea pigs. Not from Grandma and Grandpa!! We got them toys. Those pigs have been a world of fun for the kids and the dog and the cat. At this time neither the dog nor the cat has had one for dinner. Tyler is too young for small pets but I’m sure his time will come. All Tyler got was lots of toys and clothes. He did enjoy ripping open the packages. As always, if I can help you with your investments, 401(k), IRA, or anything else dealing with finances, give me a call. There is no charge for my services, and while I don’t have all of the answers I do know where to get them. 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. Remarkable Ree-bate!
When was the last time your auto loan from another lender actually helped you pay for your holiday bills? Never? Well, when you refinance your auto loan from another lender with PFCCU, we’ll give you a 1% cash-back rebate* – do it now and you could get your cash in time to help pay those holiday bills! In addition to the 1% rebate on your loan, PFCCU offers low monthly payments and flexible terms, as well as amazing loan rates. Just mention this promotion and receive your rebate in cash – or you can choose to put it toward your loan payments. It’s an incredible offer that you just won’t want to miss – apply today! Call us at (417) 887-1983 or 1-800-864-5301 for details.
*Rebate offer applies only to refinancing vehicle loans from other lenders and does not apply to refinancing loans already with PFCCU. Minimum loan 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. The Business of Celebration We invite you to celebrate with us our 79 years of member-centered service and financial solutions! Join us for our annual business meeting and celebration.We’ll give you a wrap-up of PFCCU’s great year, as well as the results of the elections to our Board and volunteer committees. In addition, the night will be filled with festivities that include a social, an elegant dinner, and even a chance to win one of several great prizes!
Don’t miss this special celebration! Holiday Hours All PFCCU branches will be |
What are you doing new this year? Is it
time to get a new hobby? Start a new
exercise routine? Or get your finances in shape?
The New Year is always a great time to set goals
and – most importantly – actually pursue them.
If you are looking to make some financial
changes for the better, all of us at PFCCU are
here to help you make those goals a reality.
Whether it is consolidation of high interest
debt so you can get your monthly budget back
on track, save for a big dream like a college
education, or get a better mortgage from a
lender you know you can trust – PFCCU can
help. Even if it means we don’t get your
business, what’s most important is helping
you make decisions that are right for you.
So if you have questions about any financial
decisions you are trying to make for 2008,
don’t hesitate to stop by or give us a call.
It’s IRA time again. You know I start my January
newsletter column with that statement every year.
But, it’s true. Now is the time to start thinking about
your IRA. AGAIN, if you don’t know about the “ROTH
IRA,” please give me a call!
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