Summer Issue | 2008 Why Get My Car Loan at PCCU ? Credit unions are among the most competitive vehicle lenders, often offering the best rates and superior service. Credit Unions are not-for-profit, focusing on member service, not on the bottom line. Whereas banks and other lending organizations are focused on building profit for themselves and their shareholders, credit unions are focused on decreasing their loan rates and increasing value and service for their members. That allows us to typically offer lower loan rates and fewer fees than the competition. Don’t forget that every one of our members is actually an owner of the credit union, so you know as a credit union member you will be treated like more than just a customer. You are an owner, and it is our goal to make you feel that way whenever we can. Apply for a auto loan or get more information at any of our branches or online at www.postcommunitycu.com Credit Card Craziness? Take this credit card quiz 1. How many credit cards does the average American have? 2. What is the average debt on credit cards in America? 3. What does the letters APR stand for? 4. What is the current interest rate on your credit card? 5. What functions do TransUnion and Equifax provide? 6. What is a grace period? 7. What does it cost the typical merchant to process your credit card transaction? 8. If your card is stolen and subsequently “maxed” out, how much are you responsible to pay back to the credit card company? 9. With a $2,500 balance on your credit card, about how long will it take you to pay off the debt by making the minimum monthly payment with a 21% APR? 10. What card is available at PCCU? Answers on back page Economic Stimulus SCAM! Be on the lookout for an e-mail from the Internal Revenue Service (IRS encouraging you to submit a form to make sure you get your economic stimulus check. Why? The e-mail is not from the IRS, and if you click on the link, it’s likely you’ll be the victim of a scam, according to the Credit Union National Association’s (CUNA’s) center for personal finance. Susan Tiffany, CUNA’s director of adult education, warns recipients to report the crime and then hit the delete key. “It’s a very convincing-looking scam that’s sure to trip up many folks who fear missing out on their stimulus check,” says Tiffany. The e-mail Tiffany received urges the reader to click on a link in the e-mail, fill out a form, and submit the form before June 10 for a speedy refund. The end of the message acknowledges that you may have received the e-mail in your spam folder “because of the large amount of e-mails we are sending out or because of the restrictions implemented by your ISP (Internet service provider). Don’t fall for that line, either. The message is a ploy to redirect you to the crook’s website to capture your personal information and commit fraud. Report any suspicious e-mails to the Federal Trade Commission. Go to [email protected], or call 877-IDTHEFT (877-438-4338). Check Out Our New Website! We have given our website a face-lift! Many changes have been made to improve your online experience with PCCU. A number of new conveniences have been added to the site such as: added in depth information regarding all of the products and services we offer, a fraud protection center which not only informs you how to prevent identity theft but also what to do if you become a victim and it’s new menus allow you to find what you are looking for much easier and faster than ever before. Everything you need in the convenience of your home! www.postcommunitycu.com Locations MAIN BRANCH 240 Cliff Street Battle Creek, Michigan 49014 LOBBY HOURS M, T, & Th: 8 am – 5 pm • W: 9 am – 5 pm F: 7 am – 5 pm • S: 9 am – 1 pm DRIVE-THRU HOURS M: 8 am – 5 pm • T & Th: 7 am – 5 pm W: 9 am – 5 pm • F: 7 am – 6 pm S: 9 am – 1 pm URBANDALE BRANCH 1671 West Michigan Avenue Battle Creek, MI 49037 LOBBY HOURS M thru F: 9 am – 5 pm DRIVE-THRU HOURS M thru Th: 9 am – 5 pm F: 9 am – 6 pm • S: 9 am – 1 pm BC POSTAL OFFICE BRANCH 477 West Michigan Avenue Battle Creek, Michigan 49037 LOBBY / DRIVE-THRU HOURS M thru F: 9 am – 5 pm Contact Us PHONE - 269.966.3900 TOLL FREE - 800.853.7328 DAISY - 269.966.6796 ONLINE - www.postcommunitycu.com Quiz Answers From Page 1 1. Seven 2. $8,000 3. Annual Percentage Rate 4. The average variable interest rate on a credit card is 14.75% 5. They provide your credit history to those you have given permission 6. The amount of time between when you make a purchase and the due date to pay it back to your credit card before interest is charged 7. 1.5% - 5% of the total plus a transaction fee 8. Generally, you will pay the first $50. Sometimes this cost is waived if reported within 24-48 hours 9. Approximately 17.5 years 10. PCCU Visa - 11.9% A.P.R. - No annual Fee - and much more. 272476763