PACIFIC MARINE CREDIT UNION MEMBER NEWSLETTER
FOURTH QUARTER 2014
Low Rate.
Re al S avings.
Auto Loans
As low as
1.50
%
APR
*
• 100% financing
• Offer available
on new, used. or
refinanced vehicles
Apply Today!
*APR=Annual Percentage Rate. Rate and term may be based
d on credit
di worthiness
hi
off the
h b
borrower and
d iincome verification.
ifi i
Rates, terms, and conditions may vary depending on the loan to value and age of the vehicle. Other restrictions may apply.
1.50% APR available for 48-month term on auto model years 2011 or newer. Sample Payment: 1.50% APR for 48-months,
payment will be $21.50 per $1,000.00 financed. Rate subject to change without notice.
MEMBER SERVICES
Signature Rewards VISA
®
The Most Rewarding
Way To Shop!
Earn Points on Every Purchase
one point for every dollar of
• Earn
Visa purchases.
points by buying gas, groceries,
• Accumulate
gifts and other necessities.
points for travel, merchandise,
• Redeem
cash, gift cards and more!
Get 10,000 Bonus Points With Your New Card.
Apply Today!
Offer ends 11/30 /14.
pmcu.com
For information about our rates and terms visit pmcu
com
Website Enhancement Coming Soon!
Soon, you will notice enhancements to our
website featuring the latest responsive design
software. More intuitive design features will
allow members to find information in a more
expedient manner. It will work across
multiple platforms including tablets,
smartphones and desktops. Site content,
text, titles and images will actually display
to best fit the device from which the
information is accessed. Multi-device
members will benefit from the seamless
user experience. It’s everything you need
to manage your accounts, anytime, anywhere,
anyplace. Watch for it in late October 2014 at www.pmcu.com.
COMMUNITY EVENT SPONSORSHIP
Pacific Marine Credit Union’s O’side Turkey Trot
P
acific Marine Credit Union’s Oceanside Turkey Trot is not
only a great way to “Move Your Feet Before You Eat” on
Thanksgiving Day, but you’ll also be helping Oceanside schools
and charities. In our first seven years sponsoring the Turkey Trot,
Pacific Marine Credit Union has helped raise $180,000 for
Oceanside schools and charities. The series of races is scheduled
Thanksgiving Day – November 27 – at the Oceanside Civic Center
in downtown Oceanside. You can register by going to www.pmcu.com
and clicking the Turkey Trot banner.
AJ’s Crane
Pacific Marine Credit Union is once again sponsoring AJ’s Kids Crane
in an effort to raise toys and funds for the ill and injured children at
Rady Children’s Hospital. Each of our branches will be a collection
point for the community to donate new, unwrapped toys or funds
starting in October!
Chili Cook-off Winners
T
eam PMCU won big again this year at the Credit Union
Chili Challenge, taking home the trophy for People’s
Choice and 2nd Place overall!
The prize was a $3500
donation to our charity
of choice, Rady Children’s
Hospital of San Diego.
Blood Drive
The American Red Cross stopped by our Oceanside Headquarters
for an end-of-summer blood drive to help increase the supply in
Southern California. This was a very successful partnering that
resulted in 24 units collected, with the potential to save 72 lives!
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‘Like’ us on our Community Connection Facebook page to view more!
CONSUMER ADVOCACY
Consumer Complaints –
Protect Your Money!
Would it surprise you to know that 2013’s top consumer
Fees & Charges Correction
The return payment fee amount
on the Visa® Important Credit
Card Disclosure was incorrectly
stated.
The correct fee amount is $27.
Visa Zero Liability
Effective 10/15/2014
cardholders won’t be liable for an
unauthorized transaction, as long
as the cardholder exercises
reasonable care in safeguarding
the card from risk of loss or theft.
Credit Union Holidays
PMCU will be closed in
observance of the following
holidays this calendar quarter:
• Columbus Day
Monday, October 13 (observed)
• Veteran’s Day
Tuesday, November 11
• Thanksgiving Day
Thursday, November 27
• Christmas Day
Thursday, December 25
Express Line, Online Banking,
Mobile Banking, and ATM
service will be available, as usual.
complaints included problems with new and used auto sales,
trouble with home repairs, and scams against the elderly?
Pacific Marine Credit Union is an advocate for your financial
well-being and provides resources to help you. Go to pmcu.com
for the full article on how to protect your money.
Thanks, Autoland!
“Many thanks to Lou Lake of Pacific Marine Credit Union
and Anthony Sebastian of Autoland for finding the car for me.
Autoland was very efficient
and speedy. We contacted
Autoland and the next day
they delivered the model I
requested, the color, and it
was fully loaded. Autoland,
thanks again for your
willingness to help me.
You made it seem so easy!”
Sincerely, Eartha S.
PMCU Member
Call for Nominations
The Annual Meeting and election of officers for the Board of Directors and
Supervisory Committee of Pacific Marine Credit Union will be held on
April 22, 2015 at 6:00 p.m., at the Corporate Office located at 1278 Rocky
Point Drive, Oceanside, CA 92056. In preparation for the meeting, a
Nominating Committee has been appointed to select candidates to fill the
vacancies. If you are a member in good standing and are interested
in applying for nomination, you are invited to submit an application.
Please contact one of the following Nominating Committee members:
Committee Chairman-James Cothran 760-809-4387, Gerald Polyascko
760-583-5304, or James Lawless 760-831-7371. The Committee’s
nominations must be filed with the Chairman of the Board by December
30, 2014. All nominations must be accompanied by a certificate or letter
from the nominee agreeing to serve if elected.
PACIFIC MARINE FINANCIAL GROUP
Protecting Yourself While
Shopping Online
What steps should you take?
Provided by Kathy Chesney, ChFC, CLU
Whether you shop online routinely or infrequently, the risk of identity
theft rises as you offer more and more information about yourself online.
Don’t use a debit card, and use only one credit card. If your debit card
gets hacked, the thieves may be able to access your bank account. But if
you use just one credit card for online shopping, you’ll just have one card
to cancel if your card number is compromised. (It would also be wise to
keep a low credit limit on that particular card.)
Kathy L Chesney, ChFC CLU
Financial Advisor
(760) 439-6960
2454 Vista Way
Oceanside, CA 92054
CA Insurance License#: 0C94850
[email protected]
Look for the “https://” before you enter personal information.
When you see that (look for the “s”), it should indicate that you are
transmitting data within a secure site. Depending on your browser,
you may also see a padlock symbol at the bottom of the browser window.
Watch what you click – and watch out for fake sites. Pop-ups, attachments from mysterious
sources, dubious links – don’t be tempted to explore where they lead. Hackers have created all
manner of “phishing” sites and online surveys – seemingly legitimate, but set up to siphon your
information. It is better to be skeptical.
Protect your PC. When did you install the security and firewall programs on your computer?
Have you updated them recently?
Change stored passwords frequently – and make them really obscure. It is a good idea to change
or update your passwords once in a while. Mix letters and numbers, and use an uppercase letter if
possible. And never use “password” as your password!
Don’t shop using an unsecured wi-fi connection. You are really leaving yourself open to identity
theft when you shop using public wi-fi. Put away the laptop and wait until you leave that coffee shop
or airport terminal. Yes, hackers can tap into your Smartphone via the same tactics by which
they can invade your PC.
Representatives are registered, securities are sold, and investment advisory services offered through CUNA
Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor,
2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance
products are not federally insured, involve investment risk, may lose value and are not obligations of or
guaranteed by the financial institution. CBSI is under contract with the financial institution, through the
financial services program, to make securities available to members.
This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the
presenting party, nor their affiliates. This information should not be construed as investment, tax or legal
advice. All information is believed to be from reliable sources; however, we make no representation as to its
completeness or accuracy.
09102012-WR-587
Locations
David L. Davis
President/CEO
Board of Directors
Richard B. Rothwell
Chairman
Gary C. Greving
Treasurer
Web Site
www.pmcu.com
Mobile
Banking
FREE iPhone app
FREE Android app
Express Line
1-800-829-7676
Member Solution Center
Hours: M-Fri 7:00 AM - 6:00 PM
Sat 9:00 AM - 4:00 PM
(760) 631-8700
1-800-736-4500
Autoland
1-800-234-6999
James A. Cothran
Secretary
George T. Hoagland
Director
Gerald J. Polyascko
Director
James D. Lawless
Director
Sally L. Arnett
Director
SAN DIEGO/MCRD
Hours
M-Fri 8:30 AM - 4:30 PM
Supervisory Committee
TWENTYNINE PALMS
Hours
M-Fri 9:00 AM - 5:00 PM
Sat 9:00 AM - 2:00 PM
P.O. Box 6139
Oceanside, CA 92052
Statistical Report
1-888-456-2227
Members........................................... 76,927
Assets.................................... $ 703,895,373
Total Shares..........................$ 589,381,248
Loans Outstanding................ $ 393,274,175
1-800 car sales
CAMP PENDLETON
OCEANSIDE/
FIRE MOUNTAIN
OCEANSIDE/
RANCHO DEL ORO
SAN DIEGO/MIRAMAR
Real Estate Office (M-Fri only)
TEMECULA/
TEMECULA PARKWAY
TEMECULA/
WINCHESTER
Hours
M-Fri 9:00 AM - 6:00 PM
Sat 9:00 AM - 4:00 PM
Robert Hawkins
Director
BALANCE
Financial Fitness Program
Enterprise Car Sales
BARSTOW
SAN MARCOS
VISTA
YUCCA VALLEY
Hours
M-Th 9:00 AM - 5:00 PM
Fri 9:00 AM - 6:00 PM
Sat 9:00 AM - 4:00 PM
@PacificMarineCU
(as of August 31, 2014)
Pacific Marine
Financial Group
Kathy Chesney
(760) 439-6960
© Copyright 2014 Pacific Marine Credit Union. All rights reserved.
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