THE CREDIT UNION

Your savings federally insured to at least $100,000
and backed by the full faith and credit of the United States Government
NCUA
National Credit Union Administration, a U.S. Government Agency
THE CREDIT UNION
Q U A R T E R LY
DECEMBER 2012
MAILING ADDRESS:
P.O. Box 16345 • Pittsburgh, PA 15242
MAIN OFFICE: 1920 Cochran Road
Pittsburgh, PA 15220-1101
Phone: 412-344-3406
Fax: 412-561-3961
Phone-A-Teller: 1-866-470-7407
HOURS: Mon. thru Fri: 8:30 to 4:00
Thursday evenings until 6:00
(Cochran Road Branch ONLY)
e-mail: [email protected]
website: www.trivalleyservice.com
wanted!
auto loans
and high rate
credit cards
from other
institutions
BRANCH OFFICE
3045 Chartiers Ave.
Pittsburgh, PA 15204-0350
412-771-9952
HOURS:
Mon. & Fri: 8:30 to 4:00
Wed: 8:30 to noon
We know that you have auto loans from other
institutions. WELL, WE WANT THEM!!
We offer auto loans as low as 2.05% APR*!
Call one of our loan specialists today to find out if we can
beat the loan financing you are presently in. Why Wait!!
Call us today. We may be able to save you money on your
monthly installments and help you pay your loan off sooner.
Attractive financing rates on used auto loans as well.
*APR - Annual Percentage Rate. Rates subject to change. The actual
rate and payment will reflect on individual’s circumstances and credit
score and may be higher than the rate shown.
WE HAVE TAKEN THE TVS
VISA CARD TO NEW LIMITS!!
We are offering a 3.99% APR
balance transfer program*.
Refinance your higher rate balances with us.
Call one of our VISA Specialists for more information.
*3.99% APR balance transfers are being offered for a 36 month term.
Once term has expired, balances will convert to either 8.99%, 11.25% or
15.25% APR according to individual credit score. Scores are obtained
from Trans Union Credit Scoring models. Current TVS Visa accounts
are not eligible for this program. Accounts must be from another financial institution. Being offered for new money only.
See our Loan Special on page 4!
DON’T WAIT - THIS IS A
LIMITED TIME OFFER ONLY!!
70590A1212
GM IS OFFERING INCENTIVES TO CREDIT UNION
MEMBERS ON SELECT MODELS OF NEW CARS.
Visit www.lovemycreditunion.com for additional
information or to obtain a Credit Union certificate for use at the dealer. Information regarding
GM deals and other Credit Union member discounts through the Invest in America campaign
can be obtained from our website at www.trivalleyservice.com and clicking on the links tab.
If additional assistance is needed to obtain the GM Discount Certificate,
please call the credit union at 412-344-3406.
GO
DIRECT!
For your Federal Benefit Payments, Social
Security, SSI, Veterans Affairs, Office of
Personnel Management and Railroad Retirement Board. If you currently receive benefit
payments by paper check, you must switch to
electronic payments before the March 1, 2013
deadline.
Switching from checks to direct deposit is
fast, easy and free at www.GoDirect.org or by
calling 1-800-333-1795 or the Credit Union.
Taking this action is SAFE. It lessens your
chances of becoming a victim of fraud.
ATTENTION TRI-VALLEY
SERVICE MEMBERS:
Effective January 1, 2013 we will be
offering evening hours at our Cochran
Road branch ONLY. Credit Union
business can now be conducted
Thursday evenings up to 6:00 pm.
Visit us on the web @
www.trivalleyservice.com
KIDZ CLUB UPDATE
Winners of our Thanksgiving
Coloring Contest were:
AGE GROUP
NAME
11-12
Madison S.
8-10
Jenna B.
5-7
Deondre R.
2-4
Mariyah C.
Each winner received a $20 deposit into their
credit union account. Stay tuned for our next
offer. Hint is: Hippity Hoppity TTYL
Mark your Calendar for
our Annual Meeting
The Annual Meeting of Tri-Valley Service
Federal Credit Union will be held on
Wednesday, April 10, 2013 at 5:00 pm.
Meeting will be held at the Credit Union
office on 1920 Cochran Road, Pittsburgh.
Election of officers will be held.
Members interested in running for a vacancy
should contact the Credit Union office for
further details.
Tri-Valley Service F.C.U.
Staff and Board would like
to wish all our members a
safe, happy, healthy and
prosperous New Year!
CO R A
RN TE
ER
1st QUARTER
2013 DIVIDENDS
REGULAR SHARES
0.11% APY
($101.00 and over.)
SHARE CERTIFICATES
Available for 6, 12, 18, 24, 36, 48 and 60 month terms.
Call the office for current rates.
IRA’S & IRA SHARE CERTIFICATES
0.17% APY
IRA Certificates available for 12, 18, 24, 36, 48 & 60
month terms. Call the office for current rates.
CHRISTMAS & VACATION CLUBS
$25.00 min. . . . . . . 0.15% APR posted annually
Christmas Clubs posted 10/15
Vacation Clubs posted 3/31
Dividends are posted to regular share accounts on a
quarterly basis with a day-in, day-out affect.
Dividends are subject to change and could be affected
by the need to fund regular reserves.
NOTICE TO SHARE CERTIFICATE HOLDERS
• Share Certificates will be compounded quarterly
(exception being members requesting Share
Certificates under the dividend check plan.)
APY - Annual Percentage Yield
APR - Annual Percentage Rate
Coming Soon to your
Credit Union . . .
“MOBILITI”
This is mobile access at its finest.
WAKE UP THOSE
DORMANT
ACCOUNTS
April 15th is the state mandated deadline!
Tri-Valley Service FCU is required to report
Unclaimed Property (escheat) to the Pennsylvania
Department of Revenue for accounts that have
been “dormant” for the last five years. An account is
considered dormant if there have been no withdrawals, deposits or transfers made during this
period. The best way to be safe is to WAKE UP
your account by making a deposit and watching
your TVSFCU accounts grow. If you are unsure of
the status of your account please contact your local
office or call 412-344-3406.
LET US HELP YOU!
We know and understand that times are tough
and saving now a days can be even tougher. Why
not consider having your paycheck direct deposited
into your Credit Union account and have automatic
transfers set up for a sub account?
Did you know that your Credit Union
offers Christmas and Vacation clubs?
Maybe there is a certain something that you
have been thinking about purchasing. Why not
start today down the saving path. Sub accounts
are easy to set up. Your Credit Union Representative is just a phone call away to help you with this.
With direct deposit and direct transfers
into the accounts all you have to do is sit
back and watch them grow!
Once again Tri-Valley Service Credit Union is looking out for your
best interest, and we mean that literally!
ATTENTION ALL SHARE CERTIFICATE HOLDERS:
Tri-Valley is now offering our investors a one-time bump up option on certificate purchases. One example
would be locking into a longer-term, higher earning investment just to realize that the rates have gone
up during the term of this entity. Now our members will have the ability to utilize our new bump up
opportunity to avoid closing the investment and being assessed a fee in order to re-invest at the higher rates.
Call the Credit Union for details about this new program.
FRAUD ALERT
2013 Holiday Closing Schedule
Recently some card issuers and financial
institutions across the industry have experienced
an increase in attempts by unknown fraudsters
to break the card verification value/card verification code (CVV / CVC) on compromised cards,
and thereby to commit card fraud, including ATM
fraud. This attempt to commit fraud is commonly
known as a “brute force attack”. To execute
these crimes, email is often used to transport
phishing scams and malicious software (malware) to obtain personal information including
personal identification numbers (PINs) and to
take over legitimate merchant accounts to test
the compromised cards.
You can help to reduce the likelihood of the
success of these attempts to commit fraud by
being alert for email that (1) contains unfamiliar
or suspicious links or attachments, (2) is
unsolicited and/or from an unknown sender,
(3) is sent multiple times from different senders,
or (4) contains poor grammar or incorrectly
spelled words. If you receive email that contains
any of these elements or any combination of
these elements, you should delete it immediately.
Do not open it, click on the links or open any
attachment. You should not attempt to reply to
the email or forward it to anyone.”
New Year’s Day . . . . . . . . . . . . . . . . . . . .Tuesday, January 1
Martin Luther King Jr. Day . . . . . . . . . . .Monday, January 21
President’s Day . . . . . . . . . . . . . . . . . . .Monday, February 18
EARLY CLOSE - Good Friday . . . . . . . . . . .Friday, March 29
Memorial Day . . . . . . . . . . . . . . . . . . . . . . . .Monday, May 27
Independence Day . . . . . . . . . . . . . . . . . . . .Thursday, July 4
Labor Day . . . . . . . . . . . . . . . . . . . . . .Monday, September 2
Columbus Day . . . . . . . . . . . . . . . . . . . .Monday, October 14
Veterans Day . . . . . . . . . . . . . . . . . . . . .Friday, November 11
Thanksgiving . . . . . . . . . . . . . . . . . .Thursday, November 28
Day after Thanksgiving . . . . . . . . . . . . .Friday, November 29
EARLY CLOSE - Christmas Eve . . . .Tuesday, December 24
Christmas Day . . . . . . . . . . . . . . .Wednesday, December 25
EARLY CLOSE - New Years Eve . . .Tuesday, December 31
EARLY CLOSE - 12:00 PM
Tax Relief
LOAN SPECIAL!
Borrow up to $4,000
for 12 months
at a low rate of
3.99% A.P.R.
or from 12 to 18 mos.
at 4.99% APR
Some credit restrictions apply. Rates are subject to change.
Welcome!
Our new member companies:
• J.B. Auto Care
• Fire and Ice Heating & Cooling
• James Coletta, Attorney-at-Law
Attention Member Companies:
Tri-Valley Service F.C.U. would like to give
our member companies the opportunity to spotlight their business in our quarterly newsletter.
If you are interested in having your business
recognized, submit a brief summary along with
your contact information to:
Laurie Ali, Marketing Coordinator
Tri-Valley Service F.C.U.
P.O. Box 16345
Pittsburgh, PA 15242
OR email to [email protected]
Please limit your information to 5 or 6 lines.
All information will be verified before publication. Please note that this advertising should not
be viewed as a direct endorsement by Tri-Valley
Service F.C.U., but simply as another service
provided to our field of membership.
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