PEOPLE’S CHOICE FEDERAL

CREDIT UNION

3rdQUARTER 2016 NEWSLETTER

International Credit Union Day, Thursday, October 20th

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WE NEED YOUR EXISTING LOANS YOU

Insurance & Investments from a Trusted Resource

Trust is everything and we here at People’s Choice Federal Credit Union are truly honored at the trust you place in us by being one of our members. With that in mind, we are pleased to announce the availability of the MEMBERSFinancial Services Program.

Designed exclusively for credit union members, and located right here at the credit union, the MEMBERS Financial Services Program offers retirement, insurance and investment programs designed to help you and your family through a lifetime of financial planning needs.

Some of the products and services available include:

  • 401(k) / Pension Rollovers
  • Retirement Planning
  • Education Funding
  • Mutual Funds
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  • Life Insurance
  • Long-Term Care Insurance
  • Wealth Management
  • Tax-managed Investing*

And, in the spirit of the credit union philosophy, this Program is designed to assist a wide variety of members – from those just starting a savings plan, to those with sizable assets looking for more sophisticated financial management tools.

Whether you’re looking for guidance on just one financial need you want to tackle today, or if you’re interested in putting together a comprehensive plan, please call the MEMBERS Financial Services Program at 570.208.4520 for a no-cost, no-obligation analysis with a financial advisor.

We are excited about the additional services the MEMBERS Financial Services Program brings to our credit union, and we look forward to providing you with solutions for your retirement, insurance and investment needs.

*Representatives are not tax advisors. For information regarding your specific tax situation, please consult a tax professional.

Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor.CBSI is under contract with the financial institution to make securities available to members.Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution.

CBSI-1259623.1-0715-0817

SEE ENCLOSED ANNUITY OFFERED AT 3.25% FIRST YEAR INTEREST!

EMV Card Program

EMV chipped credit cards are the next step in keeping you safe from thosewho wish to steal your information. EMV is a new standard developed by three major players in the credit card industry, Europay, MasterCard and Visa. The standard requires that there be a physical connection between thecredit card and the device until the transaction is complete. Unlike swiping, your information is not left behind and is not vulnerable to skimming when you are using the chip and not the magnetic strip.

When paying with an EMV enabled card, simply insert the card into the point of sale device and leave it in until instructed to remove the card. You want to avoid removing and reinserting the card while processing, as it can create a duplicate charge if the system sees it as two unique transactions.

Overall, the EMV standard is a vast improvement over the magnetic stripe in keeping your information safe from skimming and breaches. People’s Choice FCU will be issuing new EMV enabled Credit Cards in the near future. One more step in keeping our members safe.

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3rd annual ba were provided

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Privacy Notice Copied Here

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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. 2.7% / Secured Loans 2.7%

Used Car up to 1-3 yrs. – 3.9% 3+-5 yrs. – 4.5% 5+ yrs. – 5.0%

Personal/Non-Collateral: See below “Fall Loan Special”

Visa Classic Credit Cards – 9.9% APR

Visa Cash Advance/ Balance Transfer – 12.9%

“LOAN SPECIALS” SHARE CERTIFICATES

“Fall Loan Special” Best rates possible!

36 months Up to $2500 4% 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% 10/1/16 – 10/31/16

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%

3rd Quarter ’16 Dividends:

All Shares & Clubs = .05% APYE .05%

Certified Check fee: $5.00 Wire transfer fee: $20.00 Cinemark Platinum Tickets: $8.00

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