April 2016 - Partners Financial Federal Credit Union

April
2016
April is National Credit Union
Youth Month
Partners Financial FCU is proud to offer MoneyIsland™,
an educational and entertaining online world that helps
kids, ages 8 to 14, in three key financial areas: Saving &
Spending, Earning & Investing and Using Credit Wisely.
What is MoneyIsland?
The Educational Game
MoneyIsland is a multi-level online
educational game provided to our
members, schools and community
organizations. It uses interactive
games, videos, and quizzes to teach
financial skills. You can play along
while providing your children with
tools they need to live a financially
healthy life. And the best part of
it all-- when children complete
MoneyIsland, they earn a reward
from the credit union!
The principles of financial
responsibility and decisionmaking are built into the quests of
MoneyIsland. Most importantly,
so is fun! Lessons are introduced
by lively characters who interact
with kids along the way. Kids save,
spend, invest, and share as they
strive to become gurus ready for
financial success. The knowledge
gained will put children on a path to
a healthy retirement before earning
their first paycheck!
Setting Up Your
Online Account
You need a 6-digit access code
(provided by PFFCU) to set up
a MoneyIsland username and
password. This process requires
completing a simple registration
form online or by obtaining a
MoneyIsland Passport. Once you
have established your adult account,
you will immediately have the
option to add children under
this account. You may do this
during initial registration or at
any point after.
To get started,
go to pffcu.moneyisland.com.
ders’
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An
Meeting
6, 6:00pm
2
il
r
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A
,
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a
d
Tues
tist Church
at Biltmore Bap
Ave.
1300 New York
23060
Glen Allen, VA
Any member
in good stand
ing who
is interested in
volunteering fo
r the
Board, the Su
pervisory or Lo
a
n Review
Committee sh
ould submit a
resume to:
Nominating
Committee C
hairman
c/o PFFCU
P.O. Box 2980
Henrico, VA
23228
AutoSmart: Looking to buy a new car?
WE’LL HELP YOU SAVE TIME AND MONEY!
At Partners Financial Federal Credit Union, we want to
help members save time and money when searching for
their next vehicle. Our AutoSMART online car-shopping
tool will help you:
BROWSE VEHICLES from participating local dealerships
through our website.
SEARCH & FILTER RESULTS on our site to find the
best options. You can use the detailed information, photos and
cross-shopping tools to compare your favorites.
STREAMLINE FINANCING on our site by
connecting with dealers that know you’re working with
Partners Financial and will expedite the process when
you’re ready to visit a dealership.
Earn Award Points
By starting on our website, shopping for a vehicle is
as easy as 1, 2, 3! Visit AutoSMART, choose your car
and get pre-approved with the credit union.
partnersffcu.cudlautosmart.com
for Everyday Spending with Your
PFFCU PLATINUM VISA REWARDS CARD
It’s simple. Use your PFFCU Platinum Visa Rewards Card and watch your points add up.
Earn 1 point for every $1 spent on transactions $15.00 and over. When you’re ready to redeem, simply log in to your
account, select your award, and order. You’ll be enjoying life’s Extra Awards® in no time. Redeem your points for
Travel, Gift Certificates and Cards, or Cash.
BONUS! Earn 100 bonus points for every 12 transactions
you complete using your PFFCU Platinum Visa Rewards Card!
Travel Awards: Your travel options are virtually limitless.
Use your points to head for the sun, surf, slopes, or your
favorite city’s streets. Since you earn awards points, not
air miles, you can travel on most major airlines with fewer
restrictions.
Gift Certificates and Gift Cards: The awards
points you earn can be redeemed for gift certificates/cards
that you spend directly with participating merchants. Choose
among restaurants, travel and leisure, gasoline, and top
retailers of electronics, apparel, sporting goods, music, movies,
and more.
Cash: Use your points for everyone’s favorite award – CASH.
Available disbursement options include your PFFCU savings
account, checking account, or Platinum Visa Rewards Card.
Don’t have our Platinum Visa Rewards Card?
Find out how you can start enjoying the benefits by calling us at 804-649-2957
or visiting us online at www.partnersffcu.org.
FAQs
EMV/Chip Card
3. How will I know whether to
swipe my card or insert it?
Your card will always work either by swipe or
insertion. The terminal or the cashier will prompt you
to insert the card into the terminal if it’s activated
for chip technology. If the terminal is not yet chipactivated, you can always swipe your card to
complete the purchase.
4. Where can I use my chip card?
1. What is a chip card and why is it
more secure than a traditional card?
Chip cards are regular plastic credit or debit cards
with an embedded microchip. The chip protects
in-store payments because it generates a unique,
one-time code that is needed for each transaction to
be approved. It is virtually impossible for fraudsters
to replicate this feature in counterfeit cards providing
greater security and peace of mind when used instore. A chip card also has a magnetic stripe on the
back of the card and may include technology for
contactless payments.
You can use your chip card anywhere Visa cards are
accepted. You can swipe your card just like you do
today using the magnetic stripe on the back of the
card, if a chip-activated terminal is not yet available.
The terminal or the cashier will prompt you to
insert and leave the card in the terminal until the
transaction is complete if it’s activated for chip.
5. Can I use my chip card for all the
same things as my old card?
Yes, you can still make purchases as you always have
— by entering the card number online or swiping
your card at merchant locations that do not yet have
chip readers.
6. If I want to use my chip-card at
a retailer that doesn't support chip
card technology yet, will it work?
2. How do I use a chip card to make
a purchase?
Of course, just swipe your card using the magnetic
stripe the way you always have.
Just like magnetic-stripe cards, chip cards are
processed for payment in two steps: card reading
and transaction verification. However, with chip cards
you no longer have to master a quick, fluid card
swipe in the right direction. Chip cards are read in
a different way. When a chip card is inserted, data
flows between the card chip and the issuing financial
institution to verify the card's legitimacy and create
the unique transaction data.
7. Do I need to use a PIN with
my Visa chip card?
In most cases, you’ll sign for credit purchases and
either sign or enter your PIN for debit purchases —
just like you do today. You may not be required to
do either for certain types of transactions involving
relatively small purchase amounts.
The Key to
Hassle-free
Home
Ownership
HOLIDAY
CLOSINGS
Memorial Day
Monday, May 30
Unlock your dream home – sooner than you think –
with a payment you can afford. A hassle-free mortgage
from Partners Financial FCU is your key to home ownership!
We’ll help you find a mortgage that fits your needs, budget
and lifestyle.
n
Competitive rates
n
Flexible terms
n
Low closing costs and
no hidden fees
n
Personal service
n
Quick turnaround to
get you in your new
home faster!
n
Refinancing options
Independence Day
Monday, July 4
COMING SOON
OUR NEW WEBSITE
including a whole new look,
user-friendly features,
and more!
Open the door to home ownership today!
Call (804) 649-2957 to speak with
a mortgage loan officer or apply online
at www.partnersffcu.org.
Terms and amount loaned are based on member’s overall financial profile, proof of income and
credit history. Please consult with a mortgage loan officer for full details. Other restrictions may
apply. Maximum loan amount is $417,000. Application, appraisal and other fees may apply.
NMLS# 48532
P.O. Box 2980 | Henrico, VA 23228
(800) 321-5617
www.partnersffcu.org
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA, National Credit
Union Administration, a U.S. Government Agency. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
A quarterly publication of Partners Financial Federal Credit Union – Second Quarter 2016
©CUAdvantage.com • 877.799.0784