? Why Get My Car Loan at PCCU Credit Card

Summer Issue | 2008
Why Get My Car
Loan at PCCU
?
Credit unions are among the most competitive vehicle lenders, often offering
the best rates and superior service. Credit Unions are not-for-profit, focusing
on member service, not on the bottom line. Whereas banks and other
lending organizations are focused on building profit for themselves and their
shareholders, credit unions are focused on decreasing their loan rates and
increasing value and service for their members. That allows us to typically offer
lower loan rates and fewer fees than the competition. Don’t forget that every
one of our members is actually an owner of the credit union, so you know as
a credit union member you will be treated like more than just a customer. You
are an owner, and it is our goal to make you feel that way whenever we can.
Apply for a auto loan or get more information at any of our branches or online
at www.postcommunitycu.com
Credit Card
Craziness?
Take this credit card quiz
1. How many credit cards does the
average American have?
2. What is the average debt on credit
cards in America?
3. What does the letters APR stand for?
4. What is the current interest rate on
your credit card?
5. What functions do TransUnion and
Equifax provide?
6. What is a grace period?
7. What does it cost the typical
merchant to process your credit card
transaction?
8. If your card is stolen and subsequently
“maxed” out, how much are you
responsible to pay back to the credit
card company?
9. With a $2,500 balance on your credit
card, about how long will it take you
to pay off the debt by making the
minimum monthly payment with a
21% APR?
10. What card is available at PCCU?
Answers on back page
Economic
Stimulus
SCAM!
Be on the lookout for an e-mail from the Internal Revenue
Service (IRS encouraging you to submit a form to make sure
you get your economic stimulus check. Why? The e-mail
is not from the IRS, and if you click on the link, it’s likely
you’ll be the victim of a scam, according to the Credit Union
National Association’s (CUNA’s) center for personal finance.
Susan Tiffany, CUNA’s director of adult education, warns recipients to report the
crime and then hit the delete key. “It’s a very convincing-looking scam that’s sure
to trip up many folks who fear missing out on their stimulus check,” says Tiffany.
The e-mail Tiffany received urges the reader to click on a link in the e-mail, fill
out a form, and submit the form before June 10 for a speedy refund. The end of
the message acknowledges that you may have received the e-mail in your spam
folder “because of the large amount of e-mails we are sending out or because of
the restrictions implemented by your ISP (Internet service provider). Don’t fall for
that line, either. The message is a ploy to redirect you to the crook’s website to
capture your personal information and commit fraud.
Report any suspicious e-mails to the Federal Trade Commission. Go to
[email protected], or call 877-IDTHEFT (877-438-4338).
Check Out Our
New Website!
We have given our
website a face-lift! Many
changes have been
made to improve your
online experience with
PCCU. A number of
new conveniences have
been added to the site
such as: added in depth
information regarding
all of the products and
services we offer, a fraud
protection center which
not only informs you how
to prevent identity theft
but also what to do if you
become a victim and it’s
new menus allow you to
find what you are looking
for much easier and
faster than ever before.
Everything you need in
the convenience of your
home!
www.postcommunitycu.com
Locations
MAIN BRANCH
240 Cliff Street
Battle Creek, Michigan 49014
LOBBY HOURS
M, T, & Th: 8 am – 5 pm • W: 9 am – 5 pm
F: 7 am – 5 pm • S: 9 am – 1 pm
DRIVE-THRU HOURS
M: 8 am – 5 pm • T & Th: 7 am – 5 pm
W: 9 am – 5 pm • F: 7 am – 6 pm
S: 9 am – 1 pm
URBANDALE BRANCH
1671 West Michigan Avenue
Battle Creek, MI 49037
LOBBY HOURS
M thru F: 9 am – 5 pm
DRIVE-THRU HOURS
M thru Th: 9 am – 5 pm
F: 9 am – 6 pm • S: 9 am – 1 pm
BC POSTAL OFFICE BRANCH
477 West Michigan Avenue
Battle Creek, Michigan 49037
LOBBY / DRIVE-THRU HOURS
M thru F: 9 am – 5 pm
Contact Us
PHONE - 269.966.3900
TOLL FREE - 800.853.7328
DAISY - 269.966.6796
ONLINE - www.postcommunitycu.com
Quiz Answers From Page 1
1. Seven
2. $8,000
3. Annual Percentage Rate
4. The average variable interest rate on a credit card is 14.75%
5. They provide your credit history to those you have given permission
6. The amount of time between when you make a purchase and the
due date to pay it back to your credit card before interest is charged
7. 1.5% - 5% of the total plus a transaction fee
8. Generally, you will pay the first $50. Sometimes this cost is waived if
reported within 24-48 hours
9. Approximately 17.5 years
10. PCCU Visa - 11.9% A.P.R. - No annual Fee - and much more.
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