PEOPLE’S CHOICE FEDERAL
CREDIT UNION
4thQUARTER 2017 NEWSLETTER
41st Annual Meeting Dinner/Dance
Arcaro & Genell’s, Old Forge
Saturday, February 10, 2018
6-7 Cocktail 7-8 Dinner
8-9 Meeting/Prizes 9-12 Dancing
$30 Member & Guests
Buffet includes: Assorted pizza & Stromboli appetizers,
Caesar salad, Chicken Italiano, Roast Beef in Mushroom
Au Jus, Pasta with both Red & Alfredo sauces, rolls &
butter, cake, coffee, tea, soda
1 Drink Ticket & Open Cash Bar During Cocktail Hour
Free Beer & Soda 7-8 & 9-12
Cash Bar for All Other Alcoholic Beverages
Live Entertainment 9-12 with “Oldies But Goodies Band” 5 piece band
Please reserve by February 2, 2018
UPDATING YOUR ACCOUNT INFORMATION
It’s a new year and a good time to make sure your account information is correct. Some examples are: your address, phone or cell number, name change (divorce or marriage), beneficiary or joint owner change. If you have accounts you don’t need or want, it is important to close them to eliminate any fraud attempt. Updating your account eliminates family member’s stress and some legal issues that may result from incorrect information. Our staff will be glad to help!
REFINANCING OFFER!
The credit union would like to offer a one month’s “skip” payment if you refinance an existing loan you have elsewhere. This would include credit card balances, car loans, unsecured loans and quite possibly home equity loans. Check out our rates and compare.
It’s a simple process and we do all the work!!
Just call the office at (570) 451-3318, negotiate the terms, and we will do all the rest.
You will be helping us stay strong and also lowering you current rate at the same time!
Thank you from your “People Helping People” Credit Union!
Motor Vehicle & Notary Service Hours: Monday-Friday 9-5, excluding federal holidays
Call for an appointment (570) 451-3318
24rd Annual NEPA Chapter Bowling Tournament
Sunday, February 18, 2018 Chacko’s, WB $25pp Prizes 12:30pm
Benefits many charities Contact the credit union to sign up!
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How do you sign up for Online Banking? It’s easy, here’s how:
- Go to People’s Choice FCU’s website ( and click on the “Enroll Now” under Online Banking link.
- On the Log In screen, enter your SAVINGSaccount number, and click on Continue
- Note: if after entering your account number, you get a message that says your account has not been activated, please verify you entered the correct account number and then call the credit union to get your account activated.
- On the next screen, “Personal Security Setup”, a basic challenge question will be asked so the system can validate your account number with the credit union. During this first login, you will randomly be asked for either the last 4 digits of your TIN or your birth date. Simply answer the question, then click on Continue.
- On the next screen, again only during this first time of logging in to Online Banking, you will be prompted for:
- A “personal phrase” to store for your account validation. When you log in to Online Banking and see this “personal phrase” on the screen where you are being prompted for your password, this will let you know that you are on the genuine People’s Choice FCU Online Banking site. If you don’t see your “personal phrase”, don’t enter your password -- exit the website and contact us.
- Three (3) security questions/answers. Each time you log in after this first time, you will be randomly asked to answer 1 of these questions.
(Note: You will be able to change your “personal phrase” and any of the security questions/answers at any time from the “My Account” menu option within Online Banking.)
- On the next screen, Personal Phrase Confirmation & Log In, confirm that the “personal phrase” displayed is the one you entered (in Step 5a above), thenenter your temporary password(the last four numbers of your social security number), and click Continue.
- On the next screen, you have full access to Online Banking via the menu options displayed. If the system hasn’t already prompted you to change your password, we recommend you go ahead and change it at this time (from the temporary password to your own password) by clicking on the “Change Password” under the “My Account” menu option.
Important Browser Requirement Information
Use of People’s Choice FCU’s Online Banking requires the following:
- A browser with 256-bit encryption. This gives you a high level of protection and ensures confidentiality of all financial transactions. To check for 256-bit encryption, click Help at the top of your browser and go to About and look for Cipher Strength. If you do not have 256-bit encryption, then you will need to upgrade your current browser.
- Enable cookies (we do not store persistent cookies, only temporary session cookies)
- Enable pop-ups (used for check images, E-Statements and other information)
What areE-Statements?
E-Statement is a free service that allows you to view and print your normal statements online. E-Statements are available much sooner than printed statements, usually the first day of the month or quarter. E-Statements are also archived, so as soon as you sign-up for E-Statements, you have immediate access to at least 2 years of statements.
To sign up for E-Statements, select the “Statements” menu option within Online Banking. More detailed instructions are also available under this same menu option via a PDF document.
What is Text Banking? Text Banking is a free service that allows you to view your account balances and account transaction history, and transfer funds between accounts at People’s Choice FCU, with your mobile phone by simply sending a text (SMS) message. The information requested is returned to your mobile phone via a text (SMS) message.
To sign up for Text Banking, select the “Text Banking” menu option within Online Banking. More detailed instructions are also available under this same menu option via a PDF document. Page 3
People’s Choice Federal Credit Union Phone: (570) 451-3318
401 York Avenue Fax: (570) 451-3319
P. O. Box 2096 Email:
Duryea, PA 18642-0096 Website:
Visit: and
“Where people are worth more than money”
Current rates and services
New Car up to 6 yrs. 2.70% / Secured Loans 2.70%
Used Car up to 1-3 yrs. – 3.9% 3+-5 yrs. – 4.50% 5+ yrs. – 5.0%
Personal/Non-Collateral: See below “Fall Loan Special” (still on current)
Visa Classic Credit Cards – 9.9% APR
Visa Cash Advance/ Balance Transfer – 12.9%
“Fall Loan Special” Share Certificates
36 months 4% Up to $2500 1 year CD @ .20%
“Unsecured Loan Special” 6 mo. CD @.10%
$2501 to $4000 - 6.0% $1000 minimum
$4001 to $7000 - 7.5% Rates effective:
$7001 to $10,000 – 8.5% 1/1/18 – 1/31/18
Home Equity Fixed Rates: Up to 5 years 5.65% Closing costs usually less than $600
Over 5, Up to 10 years 5.70%
Over 10, Up to 15 years 5.75%
4th Quarter ’17 Dividends:
All Shares & Clubs = .01% APYE .01%
Certified Check fee: $5.00 Wire transfer fee: $20.00 Cinemark Platinum Tickets: $8.00
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