APRIL 2014 All Points Bulletin GREATER PITTSBURGH POLICE FEDERAL CREDIT UNION 1338 CHARTIERS AVENUE PITTSBURGH PA 15220 PHONE 412-922-4800 ~ FAX 412-922-7556 LOAN DEPT FAX 412-458-0812 HOURS: MONDAY –FRIDAY 8:00 am - 4:00 pm www.pittsburghpolicefcu.com COME AND CELEBRATE YOUTH WEEK ANNUAL MEETING The credit union will be holding their 79th Annual Meeting of the Membership on Wednesday, April 23, 2014 at 6:00 pm at the credit union. Kids, it’s time to come to the credit union and open up your credit union savings account. Come and “Catch the Save Wave” April 20 20-26, 2014, bring your birth certificate and social security card and open an account. We will even make your first $5 deposit*. We will have some nifty and fun gifts that you can “fish” for you when you come in. Youth under 18 years of age that make a deposit to a current credit union account and anyone under 18 that opens account will be entered to win other prizes such as a tt-shirt or a $25 visa gift card. Learn how to manage your money, save, earn interest, and watch your savings grow. Your parents have an account here…isn’t it time for you to become an important part of the credit union too? *accounts must remain open for 12 months or you forfeit the $5 opening deposit If you plan to attend, we ask that you RSVP by April 11, 2014. No nominations were received and therefore there will not be an election. The credit union will have a free buffet and will auction prizes to a few lucky winners. The Board of Directors will report on the financial condition of the credit union. Come and meet the Board, Staff and Supervisory Committee and visit with some old friends. Are your Insurance Costs too High? Are you tired of paying too much for your car and homeowners insurance? Are you looking for Term or Whole Life Insurance to fit your needs? How about Accidental death & dismemberment insurance? We developed a relationship with esurance, an allstate company. Through esurance, We have insurance products to fit your needs while saving you money. For more information, call esurance at 1-866-751-8035 for a free no-obligation quote to see if you can benefit from any of these great insurance offerings. You can call 24 hours a day! Is your MEGA bank making you happy? FREE MOBILE BANKING We now have Mobile Banking to better serve your needs! If you have an I-phone, Ipad, or Android phone (not windows based), and are signed up for Home Banking, log into Home Banking and set-up your FREE Mobile Banking Account today! Click on “Manage Account” for the quick and easy instructions and log in today! We hope that you enjoy this valuable new free service and value your feedback. Are you paying more and more in fees and charges at your bank? Open a GPPFCU FREE checking account. We do not charge for:  Number of checks written  No balance requirement  First box of checks  Debit card  On-line banking  Bill Pay  Mobile Banking  Statements  Transfers  Overdraft protection  Direct deposits  Use of CU$ ATM’S  ALLPOINT ATM’s IS YOUR ACCOUNT UP TO DATE? The credit union invites you to update your accounts at the credit union and to designate a beneficiary. This requires a visit to the credit union with proper identification. Changes cannot be made by a phone request. We will have you sign a new signature card to insure that your account is set-up according to your wishes. You can designate one or more beneficiaries on your account. We also will make sure that we have updated your contact information. We can cash your checks too. There is no reason not to save yourself bank fees. We have been offering services now for 79 years! We can save you money! Free Notary services are available to members of the credit union T w o 6 TH $ 1 , 0 0 0 . 0 0 s c h o l a r s h i p s GREATER PITTSBURGH POLICE FCU ANNUAL SCHOLARSHIP AWARD APPLICATION ____________________________________ MEMBER/APPLICANT LAST NAME _________________________________________________ FIRST NAME MIDDLE _______________ ____________________ DATE OF BIRTH SOCIAL SECURITY # (LAST 4 DIGITS) ______________________ C.U. ACCOUNT NUMBER ___________________________________ ADDRESS __________________ HOME PHONE __________________________________ ________________ CITY STATE ZIP ________________________________________________________________________________________ NAME OF ACCREDITED EDUCATIONAL INSTITUTION YOU WILL BE ATTENDING IN FALL 2014 _________________________________________ ____________________________ ____________________ INSTITUTION ADDRESS CITY STATE ZIP _____________________________________________________ ANTICIPATED OR ESTABLISHED MAJOR/COURSE OF STUDY __________________________________ ANTICIPATED YEAR OF GRADUATION _____________________________ CUMULATIVE G.P.A. 2014 GREATER PITTSBURGH POLICE FEDERAL CREDIT UNION GUIDELINES  ALL APPLICANTS MUST BE MEMBERS IN GOOD STANDING  STUDENTS MUST HAVE BEEN ACCEPTED OR ENROLLED IN AN ACCREDITED UNDERGRADUATE OR GRADUATE PROGRAM AT A COLLEGE, UNIVERSITY OR    EDUCATIONAL INSTITUTION (MINIMUM OF 12 CREDIT HOURS PER SEMESTER FOR UNDERGRADUATE AND MINIMUM OF 6 CREDIT HOURS PER SEMESTER FOR GRADUATE PROGRAMS) DURING THE FALL SEMESTER OF 2014 TO BE ELIGIBLE. PREVIOUS G.P.P.F.C.U. SCHOLARSHIP WINNERS ARE NOT ELIGIBLE. EMPLOYEES, BOARD MEMBERS, SUPERVISORY COMMITTEE MEMBERS AND SCHOLARSHIP COMMITTEE MEMBERS OF GPPFCU AND THEIR IMMEDIATE FAMILIES ARE NOT ELIGIBLE. CUMULATIVE G.P.A. MUST BE ‘B’ AVERAGE OR HIGHER ______________________________________________________________________ SIGNATURE _______________________________________ DATE PLEASE ATTACH THE FOLLOWING TO YOUR PROPERLY COMPLETED APPLICATION: 1) 2) 3) PROOF OF ACCEPTANCE OR ENROLLMENT IN AN ACCREDITED COLLEGE. ESSAY OF “WHAT IT MEANS TO LIVE WITHIN YOUR MEANS” (MAXIMUM 250 WORDS) PLEASE ALSO TELL US ABOUT ANY VOLUNTEER ACTIVITIES THAT YOU CURRENTLY PARTICIPATE IN. UPON COMPLETION, FORWARD YOUR APPLICATION ALONG WITH ITEMS REQUESTED (1-3): GREATER PITTSBURGH POLICE FEDERAL CREDIT UNION / SCHOLARSHIP COMMITTEE 1338 CHARTIERS AVE. PITTSBURGH, PA 15220 ALL APPLICATIONS MUST BE RECEIVED BY MAY 30, 2014 OUR SCHOLARSHIP WILL BE AWARDED BY THE COMMITTEE BY AUGUST 1, 2014 GM Is Offering Incentives to Credit Union Members on Select Models of New Cars Go to www.lovemycreditunion.com to obtain a Credit Union certificate to use at the dealership. For more information visit us on the web at www.pittsburghpolicefcu.com and click on “Links” and then “Invest in America”. APRIL 18—GOOD FRIDAY MAY 26—MEMORIAL DAY JULY 4—INDEPENDENCE DAY JULY 7—FOP KENNYWOOD DAY (CLOSE AT NOON) SEPT. 1—LABOR DAY SERVING YOU DAILY LOOKING FOR A MORTGAGE? We partnered with CUC Mortgage to be able to offer you the mortgage you need at a great rate. Visit our web site at: www.pittsburghpolicefcu.com Click on “Mortgage Center”. You can check the current mortgage loan rates, apply for a mortgage loan, get a pre-approval, calculate a mortgage loan payment, and check on the status of your mortgage loan application in progress. Take advantage of the lowest rates in history and apply today! Protect Yourself Against Fraud Here are some strategies you can use to avoid falling victim to fraud and identity theft.  Review your credit report at least once a year to make sure that no one has opened an account in your name. You are entitled to a free credit report once each year from each of the three nationwide credit reporting agencies. Visit our website “News” section for access to this information.  Monitor your checking and savings accounts regularly for unauthorized transac- President Joseph Stotlemyer Vice President Dan Schwab Secretary Frank Amity Treasurer Frank Cunningham Directors Jack Bello Lou Serafini Tom Woods Staff CEO Karen Janoski Operations Manager Wendy Miller Loan Administrator Marge Miller Home Equity Jess Malaskovitz Credit Card Coordinators Jess Malaskovitz & Margie Miller Debit Card Coordinator Jessica Slazinski Head Teller Jessica Slazinski Service Representatives Judy Marszalek Sally Steele Peg Gross—part time tions.  Educate your children so that they do not give personal information online. Make sure they only communicate with people that they know. They should never give out their name, address, date of birth, or any other information without speaking with a parent first. Parents can set privacy controls and restrict access as well.  Shred all documents with personal and financial information including credit card offers.  Beware of callers claiming to be the credit union. Never give your personal information….remember, we already have it! COIN MACHINE Sorts 3000 coins/minute! BRING US YOUR UNROLLED COINS ONLY 2% FEE ROLL OVER YOUR HIGH INTEREST CARDS TO A CREDIT UNION CREDIT CARD SAVE ON INTEREST CHARGES WITH YOUR CREDIT UNION CREDIT CARD Credit card convenience doesn’t have to be expensive. Whether you use your credit cards every day or once in a blue moon, use them wisely to avoid paying unnecessary interest and service charges. COMPARE CHARGES BEFORE PURCHASING Choose your credit cards carefully and look closely at the terms because there’s a lot more to credit card costs than interest charges. You’ll also want to compare grace periods, annual fees, variable rates and transaction fees. We do not charge an annual fee, a cash advance fee, or a balance transfer fee. CARRY FEWER CREDIT CARDS The more credit cards you have, the more charges you’ll pay. Even if you use credit cards frequently, one or two major credit cards should be enough. Select the credit cards with the best terms, and cancel the others. You’ll have fewer payments and less interest each month. And, you’ll reduce the risk of credit card theft or loss. If you are carrying balances with several credit cards, switch to a money-saving credit union credit card, pay off your other card balances, and start reducing interest charges right away. SAVE, BORROW, ENJOY AT YOUR CREDIT UNION. BALANCE TRANSFER AUTHORIZATION FORM I (We) request that the Credit Union make payment(s) to the payee(s) and in the amount(s) as designated below. I have enclosed the statement and payment envelopes for the accounts listed below. I(We) acknowledge that this transaction will be handled as a Cash Advance on my (our) credit card. I(We) understand that this is my (our) responsibility to pay payee(s) according to the payee’s normal payment schedule and I(we) will be responsible for any late payment charges. I(We) also understand that the total payoff amount on these cards cannot exceed my (our) available line of credit. PAYEE________________________________________ Amount$_______________ ACCOUNT NUMBER __________________________________________________ ADDRESS ____________________________________________________________ SPECIAL 3.99% APR LIFE OF BALANCE PAYEE________________________________________ Amount$_______________ ACCOUNT NUMBER __________________________________________________ ADDRESS ____________________________________________________________ TRANSFERRED PAYEE________________________________________ Amount$_______________ ACCOUNT NUMBER __________________________________________________ ADDRESS ____________________________________________________________ April 1st LIMITED TIME OFFER To June 31, 2014 _______________________________________________________________________ Applicant’s Signature (Required) Date Co-Applicant’s Signature (Required if applicable) Date Account Number _________________________________ Expiration Date ____________ Please return to your Credit Union APPLY TODAY Greater Pittsburgh Police FCU 1338 Chartiers Ave. Pittsburgh, PA 15220 412-922-4800 CAR LOAN SPECIAL FINANCE YOUR NEW OR USED AUTO GET A $50 VISA GIFT CARD AND YOU WILL BE ENTERED TO WIN A $500 VISA GIFT CARD We have great car loan rates. Finance your new or used auto and we will give you a $50 Visa Gift Card*. You will also be entered to win in a grand prize drawing for a $500 Visa Gift Card. This special is valid until June 30, 2014. Apply online www.pittsburghpolicefcu.com, click on “Loan Application” to apply. Fax two current paystubs to the credit union loan department along with your sales agreement to 412-458-0812. *You must finance the loan for a full 12 months. Failure to do so, will result in the gift card prizes being added back onto your loan with your loan payoff. DIVIDENDS POSTED 3/31/2014 REGULAR SHARES $0.00—$99.99 0% APY* $100.00—$4,999.99 0.25% APY* $5,000.00-$19,999.99 0.50% APY* $20,000.00 and over 0.75% APY* Certificates $500.00 Minimum $50,000.00 Maximum 6 months 12 months 36 months Visit our web site @ www.pittsburghpolicefcu.com for current rates. *Annual Percentage Yield DID YOU KNOW? Greater Pittsburgh Police Federal Credit Union was ranked in the top 20 of Largest Pittsburgh-Area Credit Unions. (based on 2012 assets’) Hand-selected great cars. To find a car sales location near you, call 1 800 car sales or visit enterprisecarsales.com. Online inventory of over 5,000 vehicles nationwide. New cars are added every day! IS YOUR ACCOUNT INACTIVE? If your share savings or checking account has been inactive for several months, you may eventually be charged an Inactive Account Fee. Your account is inactive after 12 months without a transaction such as a deposit or withdrawal to the account. We will not assess a fee unless your account remains inactive for 36 months. The fee assessed is $5.00 at year 3, 4 & 5. If your account remains inactive for a period of 5 years, we are then required by law to relinquish your funds to the state of Pennsylvania and close your account. You can avoid the inactivity fee by making regular deposits into your account (or at least once a year). We offer Direct Deposit and Payroll Deductions/ Deposits for your convenience.