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! fb.com/PacificMarineCU ‘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. fb.com/PacificMarineCU
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