AUTO LOAN REFINANCE PROMOTION P.2 HOME EQUITY PROMOTION P.5 SmartMoney www.pecutx.org 4TH QUARTER 2018 4TH QUARTER Digest We’re Celebrating PECU’s 66th Birthday By Giving You Presents! It’s a party situation! You are cordially invited to help celebrate PECU’s 66th birthday on Tuesday October 16. All of our PECU lobby branches will host a birthday party and serve cake and punch. We’ll also be giving away door prizes and “prize patrol” cash prizes. For even more PECU birthday fun, we’ll put the first $10 in any new kids or teen account you open for your child or grandchild during the entire month of October. We’re here because of great members like you! We greatly appreciate you and hope to see you at PECU’s birthday party. Mark your calendar to attend the PECU birthday bash on Tuesday October 16. Priceless Surprises Promotion! You may already know that using your PECU MasterCard saves you lots of money because there’s no annual fee, no cash advance fee, no balance transfer fee, and it has a great low APR. Now, you can also win fabulous prizes by using your PECU debit or credit MasterCard during the holiday season! PECU and other financial institutions are partnering with MasterCard and Jack Henry & Associates, Inc. for the Priceless Surprises promotion. From 10/1/18 through 12/31/18, you will receive one (1) entry each time you use your PECU debit or credit MasterCard to make a signature-based purchase. There is also a mail-in entry option with no purchase necessary. See PECU website for Official Rules. There will be a drawing on 1/11/19 to award the Priceless Surprises Grand Prize and cash prizes. The Grand Prize is a fabulous 6-day/5-night trip worth $12,500! Destination options include the winner’s choice of New York, Los Angeles, Chicago, Miami or Honolulu. What’s more, a lucky PECU member will win a $500 statement credit! Remember, PECU cardholders will automatically receive one (1) entry into the Priceless Surprises promotion from 10/1/18 through 12/31/18 each time they use their credit or debit MasterCard to make a signature-based purchase. Save money and receive chances to win priceless surprises by using your PECU MasterCard for all of your holiday purchases. Good luck and happy holidays from PECU! ON THE BACK COVER: It’s more fun to be a PECU member. Enjoy the PECU Word Search! Get up to $300 & no payments for the entire holiday season! O m O nce pr A The holiday season is for spending time with family, not worrying about your auto loan. When you refinance your non-PECU auto loan with us, we’ll give you a 90-day break from your car payments, plus up to $300! Imagine how much more holiday fun you can have with that extra money! What’s more, PECU pays your title transfer fee, lowers your monthly payment, and offers you a great low rate. Apply online today, or stop by your favorite PECU lobby branch. AUTO LOAn refin Loan Amount Incentive • Title transfer fee paid $10,000 - $19,999 $100 • $20,000 - $29,999 $150 No payments for 90 days $30,000 - $39,999 $200 $40,000 - $49,999 $250 • Up to $300 cash incentive $50,000+ $300 All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks model year 2013 and newer are eligible. Up to $300 deposited in share account. Standard underwriting guidelines apply. Vehicles currently financed at PECU not eligible. www.pecutx.org * Rates, terms & conditions subject to change. Contact PECU if you have questions. 800-772-1955 Get up to $300 & no payments for Skip-A-p Ay OpTiOn Just a reminder that you can request to skip a payment any time on select PECU the entire holiday season! loans. PECU allows you one (1) skip-a-pay option per eligible loan, per calendar year. If you’d like to skip a payment now, we have included the application below. Simply complete the form, sign, date and attach the $25 skip payment fee. You can also authorize a debit from your PECU account. The skip payment request must be received at least 10 days before the payment is due. Skip-A-Payment does not apply to credit cards, ready credit loans, student loans, CD and share secured loans, and all mortgage related loans. Please contact PECU with any questions. ONLINE ACCOUNT Skip-A-Payment Application Opening It’s never been easier to open an account and To apply for a Skip-A-Payment simply complete this form, sign, date and attach the $25.00 skip payment fee or become a PECU member. Make sure your family authorize a debit from your PECU account. and friends know they can simply go to our website at www.pecutx.org, click the orange strip at the Member Name___________________________________, Account Number ________________________ top of the page, follow the easy instructions, and Co-borrow______________________________________, Account Number_________________________ quickly become a new member by opening an account online. If you have questions during the Member Address: (city, state, zip) _____________________________, Email address__________________ online account opening process, please contact Work Phone Number ________________________, Home Phone,_________________________________ Financial Services at 800-772-1955. Loan ID#____________, Payment Amount $__________________, Month to Skip____________________ We have great auto loan rates. Loan ID# ____________, Payment Amount $__________________, Month to Skip____________________ Are you currently setup on Automatic Loan Payment withdraw? ___ Yes ___No Skip-A-Payment requirements: All PECU Accounts must be in good standing All loans must be current (less than 30 days) New, used & refinance! All loans must have been current for the past 12 months New loans must have a minimum of at least 6 months of payment history All loans must have current address, phone number and email address One (1) skip payment is allowed per eligible loan per calendar year. Loan Payments that have already been made cannot be refunded GET FREE CHECKING The skip payment request must be received at least 10 days before the payment is due Skip-A-Payment does not apply to Credit Cards, Ready Credit Loan, Student loans, CD and share secured loan, and all Mortgage related loans. Skip-A-Payment Fee due: ($25.00 per loan) $ _____ Cash or Check $_____ Transfer from saving or checking. Skip-A-Payment Terms and Conditions: For payments you generate (for example, payments you set up with a bill payment service, payments initiated at another financial institution, etc.) you are responsible for stopping the loan payment for the month you wish to skip. Any automatic transfers generated by PECU will be Some banks charge as many as 50 individual suspended for the Skip-A-Payment month. Members with auto loans who have purchased GAP insurance will be liable for any unpaid loan fees for checking accounts. Ouch! It’s your balance in the event of a claim. Skip-A-Payments may not be eligible when other Credit Union payment deferment programs have been used in the calendar year. If there is more than one borrower on the loan, by submitting this Skip-A-Payment request, you acknowledge that you have money. Why pay these exorbitant fees? informed all borrower(s) and that they consent to the Skip-A- Payment request. Submitting the Skip-A-Payment request does not guarantee eligibility. PECU reserves the right to change loan eligibility at any time, other restrictions may apply. Remember, banks are under constant pressure The undersigned hereby makes application to extend the original repayment term of the above referenced loans(s) by one month. This extension to generate revenue from checking accounts to does not alter the original terms and conditions of the original loan contracts. The undersigned understands that the interest on the loans will continue to accrue on the unpaid balance of the loan, and will result in a higher total FINANCE CHARGE than if payments were made as help create profits for their stockholders. Credit originally scheduled. unions are not-for-profit financial institutions • Title transfer fee paid Borrower: __________________________________________________________Date:________________ owned by their members. That’s why you should choose PECU Free Checking. PECU Co-Borrower: _______________________________________________________Date:_______________ • No payments for 90 days gives you no monthly fees and no balance requirements. There’s no service charge, no • Up to $300 cash incentive usage requirement, and no required tie-in to For Credit Union Use only: other services. You also get more than 360 free Approving Officer: ____________________________________________________ Date:______________ ATMs and 5,000+ worldwide shared branches. Save money with PECU Free Checking. 3 Shared Branch Spotlight BRANCHES & HOURS MAIN OFFICE 306 East 10th Street P.O. Box 2205 Austin, Texas 78768-2205 Phone: 512-474-1955 Fax: 512-474-2731 E-mail: [email protected] Lobby Hours: Monday thru Friday 9 am - 5 pm Drive-Up Hours: Monday thru Friday 7 am - 6 pm Saturday 9 am - 1 pm CENTRAL OFFICE 1200 West 42nd Street Austin, Texas 78756 Lobby Hours: Monday thru Friday 9 am - 6 pm Saturday 9 am - 1 pm Drive-Up Hours: Monday thru Friday 7 am - 6 pm Charlotte, North Carolina Saturday 9 am - 1 pm Charlotte is the most populated city in North Carolina and the 17th-most populated city in the United States. Based on U.S. Census Bureau data, Charlotte tops the 50 largest U.S. cities as the “millennial hub.” Charlotte is WALNUT CREEK OFFICE 8013 Centre Park Drive host to two NASCAR Cup series races and the NASCAR Hall of Fame. It is also home to the Carolina Panthers Austin, Texas 78754 of the NFL and the Charlotte Hornets of the NBA.