T ip$ and Tale$

A monthly publication

3700 10th Street, P.O. Box 367, Menominee, MI 49858-0367 906-863-5382

7126 County 426 M.5 Road, P.O. Box 717, Escanaba, MI 49829-0717 906-786-2732 / 888-547-2732

301 North 30th Street, P.O. Box 717, Escanaba, MI 49829-0717 906-789-6400 / 888-791-6420 January 2014 Volume 49

Issue 1 www.peninsulafcu.com

Attend our Annual Meeting February 15, 2014 Look inside for details.

Start the New Year right and enjoy savings with benefits. Start dreaming big with up to six chances to win $10,000.

Make it easy to save for the next holiday season, a dream vacation or even early retirement. Stop by and let us help you

get into a savings habit that is both fun and rewarding. All you need is $25 to get your Save to Win certificate started.

Visit any one of our three branches or visit our website for more information.

As low as 2.99% APR up to 24 months

Payment as low as - $429.77

As low as 4.25% APR up to 36 months Payment as low as - $296.36

As low as 5.50% APR up to 48 months

Payment as low as - $232.58

As low as 6.75% APR up to 60 months Payment as low as - $196.85

UNSECURED NEW MONEY ONLY / ALL LOANS SUBJECT TO APPROVAL / NORMAL CREDIT

UNDERWRITING STANDARDS APPLY *Ask for quote with Life and/or Disability Insurance

Recently staff from

Peninsula Federal Credit

Union collected non-perishable food items

for the annual TV6 Can-a-thon.

All donations stay in our local area and help in

supplying those in need. Pictured to the right are

employee’s Shara, Cheryl and Andrea collecting food outside of Elmer’s County

Market. Thank you to

all that donated!

ST. VINCENT DE PAUL RECEIVE’S A

HELPING HAND!

Congratulations to November’s winners! $100 - Lucy Thomma $50 - Laura Alexander $25 - Danny Hansen

Statewide Winners $50-Sherry Boudreau $50-WilliamHoule $50-Marilyn Pearson

Page 2 Tip$ and Tale$ __________________________________________________________________________________________________________

JOIN US FOR OUR 73RD ANNUAL MEETING

SATURDAY, FEBRUARY 15, 2014

AT THE ISLAND RESORT & CASINO Tickets $10 per person

Registration begins at 5:00 pm EST Dinner begins at 6:00 pm EST

Meeting & Election of Officers to follow. There is no charge to attend only the business meeting.

Make reservations now and purchase tickets at any of the Credit Union offices or send reservations and ticket money to:

Peninsula Federal Credit Union

P.O. Box 717

Escanaba, MI 48929-0717

If any individual has a disability and may require accommodations, please contact Jayne Peterson at the Main Office. This will be

a smoke free party. We will take reservations through February 4, 2014 or until we have 350 reservations.

I/We would like to purchase tickets to the Peninsula Federal CU 2013 Annual Meeting:

Entertainment by: Hypnotist JimmyG Corporate entertainer and comedy stage Hypnotist JimmyG was personally trained and certified in hypnosis by Master

Hypnotist Attila J. Khun. He is also certified by the Stage Hypnosis Center (Las Vegas), Alberta Hypnosis Institute and The

Hypnosis Motivation Institute and is also a member of the National Guild of Hypnotists.

He is the author of the book, "How Hypnosis Can Help You" as well as helpful hypnosis programs such as "Stop Smoking

Now", "Thin in 30 Days", "Improve Your Golf Game", "Increase Your Income" and many more audio programs and

articles. He is also the creator of The 10 Minute Miracle Program self help system.

JimmyG's Hypnotic Comedy Show! has been featured in newspapers and magazines as well as on radio and television shows.

He has entertained audiences for over 20 years and his amazing comedy hypnosis shows are always a huge hit.

As per our bylaws, all voting to elect the Board of Directors is to be done at the Annual Meeting only. The Annual Meeting will be

held on Saturday, February 15, 2014 at the Island Resort and Casino. Dinner will be served at 6:00 p.m. with the business

meeting to follow. Members do not have to attend the dinner in order to attend the business meeting afterwards.

Those nominated to run for the two (2) positions open on the Board of Directors are:

SUSAN L. STANDING (incumbent) has been a Credit Union member for 47 years and a Board member for the past 28 years.

While serving on the Board, Sue has been Secretary for 23 of those years and a member of the Supervisory Committee

for 27 years. She currently serves as Chairman of the committee. She retired from her position as Payroll Supervisor

with MeadWestvaco in 2003, after 37 years of service. Sue feels that her 28 years of experience on the Board and

personal contact with our members is a valuable asset to our Credit Union. Being a 20 year breast cancer survivor, Sue

continues to volunteer for the Delta County Cancer Alliance and is on the Foster Grandparent Advisory Board. She and

her husband, Tom, are natives of the Escanaba are and reside in Soo Hill. Sue’s interests are being with family,

traveling to visit their daughter and family in Colorado and involvement with our Credit Union.

SHARON A. GRAY, CPA, is a Certified Public Accountant and has worked for Schneider, Larche, Haapala & Co., PLLC for the

past 18 years. Prior to becoming a CPA , Sharon was a small business owner. Sharon has been a PFCU member for

several years and is currently an active member of AAUW (American Association of University Women), Krusin

Klassics, and Great Lakes Sports & Recreation Club. Sharon and her husband Bill have two (2) children, one (1)

grandchild, and have made their home in Rapid River. In her leisure time Sharon enjoys camping, golfing, gardening

and spending time with family and friends.

ERIC J. SWANSON, has been an Insurance agent for the last 18 years and is currently with Garceau Wineck-Kutz Magowan

Insurance Agency. Eric is a long time member of Peninsula Federal Credit Union. Eric is a veteran of the United States

Marine Corp. Eric and his wife Shelley have one (1) son. Eric loves the outdoors and camps throughout the Upper

Peninsula. He enjoys four wheeling, snowmobiling, and of course, going to hunting camp.

Name:_______________________________________________________

Spouse/Guest:_________________________________________________

Page 3 January 2014, Volume 49, Issue 1

A WEALTH OF INFORMATION FROM A QUALIFIED SOURCE

Geno Maino Peninsula Investment and Retirement

Services Representative

Just as your lifestyle and goals are different from other people, so are your financial needs …

Peninsula Investment and Retirement Services

Located at: Peninsula Federal Credit Union

7126 County 426 M.5 Road, Escanaba, MI

Phone (906) 789-6400 FAX (906) 786-8057

Peninsula Investment and Retirement service is here to help you address your unique needs. Whether

you are just beginning a family, paying for a child’s education or nearing retirement, our financial

advisors are here to help. Our retirement, insurance and investment services are designed for you, our

credit union members, in mind. To find out more, call Geno Maino today!

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a

registered broker/dealer and investment advisor. Non deposit investment and insurance products are not federally insured, involve investment risk, may lose

value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. FR120907-6245

Pictured to the left

is employee

Jennie G

presenting

Griffin E

with a $50 Visa

gift card.

Congratulations

and great job !

Peninsula Federal CU is again awarding our youth members

with the 2013/2014 Report Card Drawing! Any school-age

member can bring in their quarterly report card and be

entered for every A and B they receive on their report card.

Two lucky winners each receive a $50 Visa gift card. This

quarter’s winners were Griffin E and Wendy L.

Congratulations to all our youth who brought in fantastic

grades. Keep up the good work! The second quarter

drawing will be held at the end of January 2014.

Andrea Pepin, CCUFC Certified Credit Union Financial Counselor

Peninsula Federal Credit Union now offers financial counseling. Come in and get

a complete financial physical. Whether your looking to review your credit report,

rebuild your credit and/or set up a budget, stop by and let Andrea start you on a

path to achieving your financial goals. Call and make your appointment today.

VISA GIFT CARD GIVEAWAY By submitting this entry form, you are giving permission

to publish your name in a future issue of

“Tip$ and Tale$” if you are chosen as a winner.

Name

Phone

Tip$ and Tale$ January 2014 Peninsula Federal Credit Union - Lighting the Way!

October Employee Recognition

Amanda Hughes –6 years

January Employee Recognition Karen Derouin - 25 years

Connie Penoza - 24 years

Stacey Wangerin - 3 years

Christina Drust - 2 years

Amanda Knuth - 1 year

Katherine Davison - 1 year

Employee Spotlight

Visit www.peninsulafcu.com for more information

Hi, my name is Jennie. I joined PFCU in February of 2011. I have worked in several areas at the Credit Union

but found my home as the Marketing Specialist a little over a year ago.

I love my job because it challenges me to learn new things and become better at what I do on a daily basis.

I also find the community involvement to be a very rewarding experience as well. I am married and have two children, my daughter Ava , who is six, and my son Cole, who just

turned one. I enjoy spending time with my children, family and friends. In my spare time, I like to volunteer

with the Big Brother/ Big Sister program as a corporate and

community mentor. I also enjoy baking, watching football and just

getting out and involved in this wonderful community we live in.

VISA GIFT CARD DRAWING Once a month this Credit Union selects a lucky

member to receive a $30.00 VISA Gift Card. Simply fill in this coupon or one available at any of our

offices and deposit it in the drawing box. This month’s winner is Mary Lou Champeau.

Congratulations!

Let’s Talk Statistics

as of November 2012

Total Assets $117,452,340

Total Loans Outstanding $89,109,970

Member Share Deposits $102,011,211

Number of Members 10,531

New Members in November 71

This year, PFCU employee’s collected money towards casual

Friday. Together, we raised over $2,000! With the money

collected, we were able to donate to several local charities in

Delta and Menominee counties. We were also able to adopt a

family of five to Christmas shop for as well. This is just

an example of how Peninsula FCU strives to live by the

credit union motto of

“people helping people.”