Auto Loan Rates Have Been Slashed!
Penn E. Wise
Inside This Issue 2 • Free Checking 2 • Race for the Cure 3 • Penn East Visa® Card 3 • Safe Travels 3 • Holiday Closings 3•Q uick Notes 4 • S ecure Passwords
A quarterly publication for Penn East Federal Credit Union S U M M E R 2 012
Auto Loan Rates Have Been Slashed! At Penn East FCU we want to put you in the driver’s seat this summer! Whether it’s a new or used auto, new loan or refinance of your higher rate auto loan (Penn East FCU loans excluded), our financing is quick, easy and could save you money each month. We have slashed our auto loan rates! Now through August 31st, we’re offering members rates as low as 2.50% APR* for up to 48 months. Other rates and terms available. Already have an auto loan at another financial institution? Take advantage of this special offer and refinance with us today to save on interest and lower your payments. Refinance your current auto loan and receive cash at closing! Refinance a loan of $10,000 or more and we’ll pay you $100. Need to refinance for less? We are offering cash back of 1% of the loan amount up to $100 for making us your lender. There’s never been a better time to get an auto loan with us. Stop in today and drive off with peace of mind!
Auto Loan Rates As Low As
2.50%
APR*
for up to 48 months
*APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate. Approval for loan and rate of loan can vary based on creditworthiness. Rates and terms are subject to change without notice. Penn East FCU loans are excluded from the refinance offer.
www.penneastfcu.org
1
What Does “Free Checking” Really Mean? When it comes to Free Checking, many financial institutions claim what they offer is free. However, when you look at the fine print, it’s not — and in many cases, it’s far from it. These other financial institutions generally offer outrageous minimum balance requirements, per check charges and monthly service charges. Many others offer Free Checking for a limited time and charge you outrageous fees once the time frame expires. You don’t have to worry about any of this at Penn East FCU. Our free checking accounts are actually FREE, always. Write as many checks as you want, use your debit card and enjoy free access to many Online Home Banking products. Check out the fine print on Checking Accounts elsewhere and do the math. They don’t stack up to Penn East’s Free Checking, which offers the following benefits: • Free First Box of Checks • Free Debit Card • Free Online Home Banking • Free and Unlimited Online Bill Pay • No Minimum Balance • No Monthly Service Charge • Unlimited Check Writing Save more with Penn East FCU’s Free Checking! To open an account, stop by any of our locations or call us at (570) 342-2720.
Join Us In Our “Race For The Cure” The Annual NEPA Susan G. Komen Race for the Cure will be held Saturday, September 8, 2012 in Downtown Scranton. The Race for the Cure features a 5k run (3.1 miles), a 5k walk and a one mile fun walk. The race starts promptly at 8:30 a.m. We’re inviting our members to be a part of Team Penn East. Hurry, space is limited. Penn East FCU is proud to sponsor race entry fees up to $1,000. Members of Team Penn East will receive our t-shirt to wear the day of the race as well as a Race for the Cure t-shirt. For a registration form contact Katelyn McManamon by phone at (570) 342-2720 ext. 211 or by email at [email protected]. Join us for this great community event and walk or run for Team Penn East!
www.penneastfcu.org
Wherever You Go…Take Your Penn East FCU Visa Credit Card ®
Quick Notes
Traveling this summer? Why not bring along a Penn East FCU Visa® Credit Card? In addition to a great rate as low as 8.00% APR*, your card also has: NO Annual Fee NO Cash Advance Fee NO Balance Transfer Fee NO Transactions Fees Applying is Easy Visit www.penneastfcu.org and click Apply Online, stop into any of our locations, or call (570) 342-2720 to speak with a loan officer. You can’t afford to leave home without it! *APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness. Your rate can be higher or lower depending on creditworthiness. Rates and terms are subject to change without notice.
Holiday Closings Independence Day Wednesday, July 4
Before You Go, Let Us Know!
Labor Day Monday, September 3
Planning a vacation or traveling out of the country this year? As a security feature to protect your account, transactions from different locations may be blocked. To eliminate this from happening to you while you are away be sure to call Penn East FCU at (570) 342-2720 to let us know when and where you will be traveling.
Columbus Day Monday, October 8
We wish you safe and happy travels this summer! Penn East FCU to Volunteer at the St. Joseph’s Center Auxiliary Summer Festival Join Penn East FCU employees at the Annual Summer Festival of St. Joseph’s Center Auxiliary. The Festival, will be held on the campus of Marywood University July 27-29. Look for the Penn East FCU Scooper Stars at the Ice Cream Stand on Saturday, July 28 from 4:00 p.m. to 8:00 p.m.
3
Create A Hacker-Proof Password Online passwords may seem more like a nuisance than a security device, but creating hacker-proof codes is extremely important. It is tempting to create passwords that are easy to remember, like using your address, birth date or first name, but doing so only aids the hackers. The challenge lies in making a password that is difficult to guess, but still easy enough for you to remember. Let us help! Follow this hacker-proof guide to protect all of your accounts, and ultimately your identity: 1. Use a combination of numbers, as well as upper and lower case letters 2. Use a different password for each account 3. Create passwords that are at least six characters long 4. Change your password on a regular basis — make it easier to remember by associating the code with a regular event such as your payday 5. Never use numbers or names publicly associated with you such as an address, birth date or pet’s name 6. Don’t use any form of your login name as your password 7. If you are struggling to remember your passwords, invest in a secure password storage program — some even give you access to your codes when using a different computer than your own 8. Remember to never give out your passwords to anyone, especially through email or over the phone
Information Important Contact Information How To Reach Your Credit Union
Davis Street Office 720 Davis Street, Scranton, PA 18505 (See hours below)
Scranton Office 441 North 7th Avenue, Scranton, PA 18503 Phone: (570) 342-2720 Fax: (570) 342-3246
Clarks Summit Office 1070 Northern Boulevard., Clarks Summit, PA 18411
Lobby Hours (teller services, member service and loan dept.) Monday-Thursday 9:00 a.m. to 5:00 p.m. Friday 9:00 a.m. to 6:00 p.m. Saturday 9:00 a.m. to 1:00 p.m.
Lobby Hours (teller services, member service and loan dept.) Monday-Thursday 9:00 a.m. to 5:00 p.m. Friday 9:00 a.m. to 6:00 p.m. Saturday 9:00 a.m. to 1:00 p.m. (teller services only)
4
Drive-Through Window Hours Monday-Thursday 7:30 a.m. to 5:00 p.m. Friday 7:30 a.m. to 6:00 p.m. Saturday 8:30 a.m. to 1:00 p.m.
www.penneastfcu.org
(See hours below)
Drive-Through Window Hours Monday-Thursday 8:00 a.m. to 5:00 p.m. Friday 8:00 a.m. to 6:00 p.m. Saturday 8:30 a.m. to 1:00 p.m.
Audio Response (24 Hour Account Access) Local: (570) 343-6277 Toll Free: (800) 341-6277
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
Inside This Issue 2 • Free Checking 2 • Race for the Cure 3 • Penn East Visa® Card 3 • Safe Travels 3 • Holiday Closings 3•Q uick Notes 4 • S ecure Passwords
A quarterly publication for Penn East Federal Credit Union S U M M E R 2 012
Auto Loan Rates Have Been Slashed! At Penn East FCU we want to put you in the driver’s seat this summer! Whether it’s a new or used auto, new loan or refinance of your higher rate auto loan (Penn East FCU loans excluded), our financing is quick, easy and could save you money each month. We have slashed our auto loan rates! Now through August 31st, we’re offering members rates as low as 2.50% APR* for up to 48 months. Other rates and terms available. Already have an auto loan at another financial institution? Take advantage of this special offer and refinance with us today to save on interest and lower your payments. Refinance your current auto loan and receive cash at closing! Refinance a loan of $10,000 or more and we’ll pay you $100. Need to refinance for less? We are offering cash back of 1% of the loan amount up to $100 for making us your lender. There’s never been a better time to get an auto loan with us. Stop in today and drive off with peace of mind!
Auto Loan Rates As Low As
2.50%
APR*
for up to 48 months
*APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate. Approval for loan and rate of loan can vary based on creditworthiness. Rates and terms are subject to change without notice. Penn East FCU loans are excluded from the refinance offer.
www.penneastfcu.org
1
What Does “Free Checking” Really Mean? When it comes to Free Checking, many financial institutions claim what they offer is free. However, when you look at the fine print, it’s not — and in many cases, it’s far from it. These other financial institutions generally offer outrageous minimum balance requirements, per check charges and monthly service charges. Many others offer Free Checking for a limited time and charge you outrageous fees once the time frame expires. You don’t have to worry about any of this at Penn East FCU. Our free checking accounts are actually FREE, always. Write as many checks as you want, use your debit card and enjoy free access to many Online Home Banking products. Check out the fine print on Checking Accounts elsewhere and do the math. They don’t stack up to Penn East’s Free Checking, which offers the following benefits: • Free First Box of Checks • Free Debit Card • Free Online Home Banking • Free and Unlimited Online Bill Pay • No Minimum Balance • No Monthly Service Charge • Unlimited Check Writing Save more with Penn East FCU’s Free Checking! To open an account, stop by any of our locations or call us at (570) 342-2720.
Join Us In Our “Race For The Cure” The Annual NEPA Susan G. Komen Race for the Cure will be held Saturday, September 8, 2012 in Downtown Scranton. The Race for the Cure features a 5k run (3.1 miles), a 5k walk and a one mile fun walk. The race starts promptly at 8:30 a.m. We’re inviting our members to be a part of Team Penn East. Hurry, space is limited. Penn East FCU is proud to sponsor race entry fees up to $1,000. Members of Team Penn East will receive our t-shirt to wear the day of the race as well as a Race for the Cure t-shirt. For a registration form contact Katelyn McManamon by phone at (570) 342-2720 ext. 211 or by email at [email protected]. Join us for this great community event and walk or run for Team Penn East!
www.penneastfcu.org
Wherever You Go…Take Your Penn East FCU Visa Credit Card ®
Quick Notes
Traveling this summer? Why not bring along a Penn East FCU Visa® Credit Card? In addition to a great rate as low as 8.00% APR*, your card also has: NO Annual Fee NO Cash Advance Fee NO Balance Transfer Fee NO Transactions Fees Applying is Easy Visit www.penneastfcu.org and click Apply Online, stop into any of our locations, or call (570) 342-2720 to speak with a loan officer. You can’t afford to leave home without it! *APR = Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness. Your rate can be higher or lower depending on creditworthiness. Rates and terms are subject to change without notice.
Holiday Closings Independence Day Wednesday, July 4
Before You Go, Let Us Know!
Labor Day Monday, September 3
Planning a vacation or traveling out of the country this year? As a security feature to protect your account, transactions from different locations may be blocked. To eliminate this from happening to you while you are away be sure to call Penn East FCU at (570) 342-2720 to let us know when and where you will be traveling.
Columbus Day Monday, October 8
We wish you safe and happy travels this summer! Penn East FCU to Volunteer at the St. Joseph’s Center Auxiliary Summer Festival Join Penn East FCU employees at the Annual Summer Festival of St. Joseph’s Center Auxiliary. The Festival, will be held on the campus of Marywood University July 27-29. Look for the Penn East FCU Scooper Stars at the Ice Cream Stand on Saturday, July 28 from 4:00 p.m. to 8:00 p.m.
3
Create A Hacker-Proof Password Online passwords may seem more like a nuisance than a security device, but creating hacker-proof codes is extremely important. It is tempting to create passwords that are easy to remember, like using your address, birth date or first name, but doing so only aids the hackers. The challenge lies in making a password that is difficult to guess, but still easy enough for you to remember. Let us help! Follow this hacker-proof guide to protect all of your accounts, and ultimately your identity: 1. Use a combination of numbers, as well as upper and lower case letters 2. Use a different password for each account 3. Create passwords that are at least six characters long 4. Change your password on a regular basis — make it easier to remember by associating the code with a regular event such as your payday 5. Never use numbers or names publicly associated with you such as an address, birth date or pet’s name 6. Don’t use any form of your login name as your password 7. If you are struggling to remember your passwords, invest in a secure password storage program — some even give you access to your codes when using a different computer than your own 8. Remember to never give out your passwords to anyone, especially through email or over the phone
Information Important Contact Information How To Reach Your Credit Union
Davis Street Office 720 Davis Street, Scranton, PA 18505 (See hours below)
Scranton Office 441 North 7th Avenue, Scranton, PA 18503 Phone: (570) 342-2720 Fax: (570) 342-3246
Clarks Summit Office 1070 Northern Boulevard., Clarks Summit, PA 18411
Lobby Hours (teller services, member service and loan dept.) Monday-Thursday 9:00 a.m. to 5:00 p.m. Friday 9:00 a.m. to 6:00 p.m. Saturday 9:00 a.m. to 1:00 p.m.
Lobby Hours (teller services, member service and loan dept.) Monday-Thursday 9:00 a.m. to 5:00 p.m. Friday 9:00 a.m. to 6:00 p.m. Saturday 9:00 a.m. to 1:00 p.m. (teller services only)
4
Drive-Through Window Hours Monday-Thursday 7:30 a.m. to 5:00 p.m. Friday 7:30 a.m. to 6:00 p.m. Saturday 8:30 a.m. to 1:00 p.m.
www.penneastfcu.org
(See hours below)
Drive-Through Window Hours Monday-Thursday 8:00 a.m. to 5:00 p.m. Friday 8:00 a.m. to 6:00 p.m. Saturday 8:30 a.m. to 1:00 p.m.
Audio Response (24 Hour Account Access) Local: (570) 343-6277 Toll Free: (800) 341-6277
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
