POSTALFamıly Credit Union,Inc. G R O W W I T H U S A publication for the members of www.URmyCU.com FEBRUARY 2014 Volume 5 • Issue 2 Please review page 3 for change in business hours Scholarship Application 2014 School Year The Scholarship Committee of the Cincinnati Chapter of the Ohio Credit Union League (CCOCUL) invites you to apply for a scholarship. There will be at least nine scholarships awarded at $1,000 each. To qualify, you must be at least a senior in a local high school and plan to enroll in post-high school studies, including vocational, professional and academic studies, which are not limited to colleges and universities. Applicants may also be anyone who is obtaining an Associates or Bachelor Degree. You yourself must be a primary member of an Ohio Credit Union in one of the Cincinnati Chapter area counties to be eligible. (Cincinnati Chapter Counties are: Hamilton, Clermont, Brown and Adams.) If you are chosen to receive a scholarship from this chapter, your application may be chosen to participate in the statewide scholarship program sponsored by the Ohio Credit Union Foundation, which awards five $3,000 scholarships in April 2014. Please return your completed application to: CCOCUL Scholarship Committee c/o Karen Riel, Classic Federal Credit Union P.O. Box 488 Amelia, OH 45102 post-marked no later than February 10, 2014. This form may be reproduced on a computer. Winners only will be notified by mail by March 28, 2014. Names of the winners may be published in the local newspaper after the awards dinner. Log on to urmycu.com — go to 2014 Scholarships on the right under Every Stage of Life to get both Scholarship Applications PFCU has given over $25,000 in scholarships to members wanting to further their education. PFCU is offering two $1,000 scholarships to members of the credit union and you could be the member to win. There are three ways to apply: • Stop in the credit union office and pick up an application • Call the credit union at 513-381-8600 and have an application sent to your home. • Log on to www.urmycu.com/scholarship and look in the promotions box for the scholarship promotion and download your application. Complete the application and write a 500-700 word essay on the following: “Increased reliance on technology has changed the way schools are educating children. Due to financial constraints within school districts, many schools are adopting BYOD/BYOT (bring your own device/bring your own technology) policies where more burden for the cost is shifted to parents and families. Considering the benefits and consequences, should schools continue to rely so heavily on technology?” Your application must be postmarked no later than, Wednesday, March 13, 2014 for consideration. All applications submitted in person must be received by the date above. 2014 Scholarship Program
Transcript
POSTALFamılyCredit Union, Inc.
GGRROOWW WW
IITTHH
UUSS
A publication for the members of
www.URmyCU.comFEBRUARY 2014
Volume 5 • Issue 2
Please review page 3 for change in business hours
Scholarship Application2014 School YearThe Scholarship Committee of the Cincinnati Chapter of theOhio Credit Union League (CCOCUL) invites you to applyfor a scholarship. There will be at least nine scholarshipsawarded at $1,000each. To qualify,you must be atleast a senior in alocal high schooland plan to enrollin post-high school studies, including vocational,professional and academic studies, which are not limitedto colleges and universities. Applicants may also beanyone who is obtaining an Associates or Bachelor Degree.
You yourself must be a primary member of an OhioCredit Union in one of the Cincinnati Chapter areacounties to be eligible. (Cincinnati Chapter Countiesare: Hamilton, Clermont, Brown and Adams.)
If you are chosen to receive a scholarshipfrom this chapter, your application may bechosen to participate in the statewidescholarship program sponsored by the OhioCredit Union Foundation, which awardsfive $3,000 scholarships in April 2014.
Please return your completed application to: CCOCUL Scholarship Committeec/o Karen Riel, Classic Federal Credit UnionP.O. Box 488Amelia, OH 45102
post-marked no later than February 10, 2014.
This form may be reproduced on a computer. Winnersonly will be notified by mail by March 28, 2014. Namesof the winners may be published in the local newspaperafter the awards dinner.
Log on to urmycu.com — go to 2014 Scholarships on the right under Every Stage of Life to get both Scholarship Applications
PFCU has given over $25,000 in scholarships to memberswanting to further their education. PFCU is offering two$1,000 scholarships to members of the credit union andyou could be the member to win.
There are three ways to apply:• Stop in the credit union office and pick up anapplication
• Call the credit union at 513-381-8600 and have anapplication sent to your home.
• Log on to www.urmycu.com/scholarship and lookin the promotions box for the scholarship promotionand download your application.
Complete the application and write a 500-700 word essayon the following:
“Increased reliance on technology has changed theway schools are educating children. Due to financialconstraints within school districts, many schools areadopting BYOD/BYOT (bring your own device/bringyour own technology) policies where more burden for the cost is shifted to parents and families.Considering the benefits and consequences, shouldschools continue to rely so heavily on technology?”
Your application must be postmarked no later than,Wednesday, March 13, 2014 for consideration. Allapplications submitted in person must be received by thedate above.
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Scholarship Program
Special CAR LOAN RATES January 1st thru March 31st, 2014
Purchase2013-2014 NEW CAR PFCU loan rates as low as 2.50%APR*2009-2012 USED CAR PFCU loan rates as low as 2.60%APR*
Refinance2009-2012 USED CAR PFCU loan rates as low as 2.75%APR*
Call 513.381.8600Ask for a loan officer and we can process your application immediately.
$100 gas cards on loans over $10,000$50 gas cards on loans under $10,000
APR* Annual Percentage Rate. Minimum credit score of 710+ required. Final rate to be determined by credit score, vehicle age and loan term. Rate above includes .50% rate reduction for automatic payments.Minimum loan amount $5000. Maximum term 60 months. Must be a new loan or refinanced loan from another lender. PFCU refinances do not apply without a minimum new money requirement. Must qualifyand rates are subject to change. Example loan in the amount of $20,000 for 60 months @ 2.5% Annual percentage rate would yield a payment of $354.95 per Month or approximately $17.75 per $1,000 borrowed.
Cincinnati: 1243 West 8th Street, Cincinnati, OH 45203Tel: 513-381-8600, Toll Free: 1-800-265-4527, Fax: 513-345-8726Monday, Tuesday and Thursday: 8:00 a.m. to 5:00 p.m.Wednesday: 10:00 a.m. to 5:00 p.m.Friday: 7:30 a.m. to 6:00 p.m.
Dayton: 1111 East Fifth Street, Dayton OH 45401937-228-7691, Toll Free: 1-800-265-4527 Monday, Tuesday, Thursday: 9:00 a.m to 5:00 p.m.Wednesday: 10:00 a.m. to 5:00 p.m.Friday: 8:00 a.m. to 5:00 p.m.
Personal Account Line:Call P.A.L. for all your account information. If you are in area codes 513, 812 or 859 call 632-5693... all other area codes call 1-800-621-9722. Or visit WebPal II at www.urmycu.com
We will be closed...President's Day, Monday, February 17, 2014
Dates to remember...Annual Meeting, Thursday February 27, 2014
By member choice accounts are insured by ASI for up to $250,000. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS ACCOUNTS ARE NOT INSURED ORGUARANTEED BY ANY GOVERNMENT ORGOVERNMENT-SPONSORED AGENCY.
EQUAL HOUSINGOPPORTUNITY
86th Annual MeetingThe 2014 Annual Meeting is just around the corner, andwe hope you can join us. Unlike other financial insti-tutions whose meetings arerestricted to a few shareholders,your credit union is a financialcooperative with annual meetingsopen to its valued member-owners:You! Give us your feedback and letus know how well the credit unionis serving your financial needs.Enjoy refreshments and snacks andthe chance to visit with other members too. The creditunion exists only to serve you and your support isappreciated.
The meeting will be held on Thursday, February 27, 2014,at the main office at 1243 W. 8th Street in the lower level.The meeting will begin at 5:15 PM. We look forward toseeing you at the annual meeting.
Only one nomination was received for each of the openBoard of Directors positions. As a result, no election willbe necessary and the three individuals will be elected bygeneral consent or acclamation for a three year term.
The elected directors are Jim Burns, Tom Crowley and BillNolan.
FEBRUARY
27
Tax Time Again, Tax Day is Tuesday, April 15, 2014You must submit your 2013 tax formselectronically or have them postmarked byTuesday, April 15, 2014. But even if youwait until the last moment to file yourtaxes, there are three things you can doright now to lessen the stress.
1. Get a set of folders or large envelopesand label them for your various taxdocuments. As you receive tax information from youremployer, the Credit Union and any other financialinstitutions, any investments you hold and so on, placethem in the appropriate folder.
2. Make a folder for possible tax deductions as well. Gothrough your year's receipts and pull out those relatedto real estate taxes, charitable donations, medicalexpenses, etc., and place them in the folder. Dig outyour 2012 return to help you remember what youclaimed previously.
3. If you are eligible, contribute to your IndividualRetirement Account. You have until tax day to do so, butthe sooner the better. Because the interest isaccumulating tax free, you will want to maximize thetime you have your money tucked away for retirement.For complete details, contact your tax advisor.
Insurance at Your Credit UnionWe’ve known you for years and are looking out for yourbest interest. Whenever you have insurance questionscome up, you can count on personal service from PostalFamily Credit Union.
Tax Refunds - Fast AndSecureWhen you file your 2013 taxes, be sure to request that yourtax refunds be automatically deposited into your checkingaccount at the Credit Union. You will receive your refundquicker, and it will be safe and secure when you have itdirectly deposited into your account. No more worryingabout it in your mailbox. Contact the credit union todayfor more information on our Direct Deposit services.
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