Summer

Dates to Remember

THE NEWSLETTER OF PEOPLE’S ALLIANCE FEDERAL CREDIT UNIONSummer 2017

www.pafcu.org

First ClassFirst Class

We Put People First, Even In Our Name!

Savings Club Can Make Vacation Dreams Come True

If you’re dreaming of a special vacation, but don’t think you can afford it,

deduction or an automatic transfer to regularly add money to the account. What you don’t see, you don’t miss.

images of your vacation destination. Then use it to collect spare change as well as discretionary funds - money saved by eating in and renting or streaming a film instead of going out for dinner and a movie. Periodically, take the money and deposit it in your PAFCU Vacation Club account. Working together to save for your vacation will make playing together even more fun.

Vacation Loan Special

Now - July 31

Back to School Loan

August 1 – September 30

Long Island Ducks Game

Tuesday, August 29

Labor DayMonday, September 4

All PAFCU branches closedATM, Tel-Me, and Website

service available.

Take The Stress Out Of Back To SchoolWhile the summer is just getting started, we all know how time flies when you’re having fun in the sun! One

day you’re relaxing poolside and the next you’re prepping for the first day of school.While returning to the classroom can be emotional for kids, it can be a financial obstacle for many parents,

as back to school requirements and lists seem to get more complicated and longer each year. From binders and backpacks to computers and clothes, families on average will spend just under $700 on back to school supplies, according to the National Retail Federation. That’s a small fortune!

One way to ease the transition from summer vacation to school days, and take the stress out of back to school shopping is with a low-rate, flexible

Funds from your loan can go toward any or all of the following:

the class!Why not take the stress out of back to school

expenses so you and your family can enjoy every precious sun-drenched moment of summer? PAFCU’s Back to School Loan will be available from August 1 through September 30, 2017. Qualified members will pay a special annual percentage rate as low as 7.99%* and can take out a maximum of $5,000 for up to two years. Apply online at pafcu.org or call (631) 434-3500, option 1.*Annual percentage rate is the lowest rate offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at this rate may be offered credit at a higher rate. All loan requests and rates are subject to credit approval. This offer cannot be combined with any other offer.

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Loan Type Term APRSignature(Unsecured)/DebtConsolidation

1-3 years4-5 years

9.99%*10.99%*

New Vehicle

Used Vehicle

1-5 years6 years (over $15,000)7 years (over $25,000)♦

1-5 years6 years (over $15,000)7 years (over $25,000)♦

1.74%*1.99%*3.24%*2.19%*2.19%*3.99%*

Visa Gold ✝ open 10.9%*

Visa Platinum ✝ open 9.9%*

* The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at this rate may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Rates and terms are subject to change.♦Current and previous year models. ✝Six (6) month introductory rate of 4.00%. All rates and terms offered are effective June 30, 2017 and are subject to change without notice.Additional terms and conditions may apply.

Dividend UpdateRegular Share & Club Accounts .15% Annual Percentage Yield .15% Dividend RateIRA Share Accounts .22% Annual Percentage Yield .22% Dividend RateGolden Checking, Checking Plus & Escrow .05% Annual Percentage Yield .05% Dividend RateThe Board of Directors has announced a declaration of these dividends to be paid on individual member’s eligible balances for the quarter ending June 30, 2017.

For a full listing of our loan and mortgage rates and to apply visit

www.pafcu.orgor call 631-434-3500 option 1

Current Loan Rates

GreatCar Loan Rates

A Message from the President

The summer is heating up. It’s the perfect time to get out and enjoy the beautiful weather. And what better way to do that than to take a vacation. Yes-- that magical word. You have

you need to give yourself a break. According to an article printed on

take vacations have lower stress, less risk of heart disease, a better outlook on life, and more motivation to achieve goals. And there are plenty of low-cost vacation options available that won’t break your budget: beach resorts, amusement parks, camp grounds, mountains, bike trails, or perhaps a cruise. Even a long weekend road trip can provide the refresher you need. No matter what you decide to do remember that PAFCU is here to help. I invite you to come in to one of our nine branches and take advantage of our Vacation Loan, available through July 31st. Let us help you enjoy life.

Account holders had: 3 lucky winners of $25, 2 lucky winners of $50, and 1 lucky winner of $100. Not everyone will win a prize,

you are guaranteed to end up with more money saved than you started with. You have nothing to lose — and everything to gain! To participate, you must be a PAFCU member at least 18 years of age.

And while I have your attention, I would like to also remind you

year, without fail, the costs associated with going back to school go up (clothes, technological gadgets, books, school bags, lunch boxes, etc…). Whether you have one child or more, I’m sure you

fits your needs, and don’t forget about our Visa Credit Cards with rates as low as 9.9%.

Please stop in and see us today. We are here to help you make life more affordable!

Carol A. Allen, President/CEO

Mobile App Puts PAFCU In The Palm Of Your HandNow wherever you go, take the credit union with you. Our mobile app puts PAFCU as close as

your mobile device. No extra trips to the credit union to apply for a loan, access our online loan application through our app. Or deposit most checks with remote deposit capture. You’ll simply

us for details.)With our mobile app, you also can check your account balances and view other details about

savings, checking, certificates, loans, and credit cards. Find out all you can do with your mobile device by visiting pafcu.org or just stop by the credit union. Then you can download the app and enjoy all the conveniences of having the credit union in the palm of your hand.

Teen SceneResume Building 101: Be A Summer Volunteerof free time but rather than let those weeks waste away, you want to make the most of it. A great way to be productive, bolster your resume, meet people, and help others all at the same time is to become a volunteer.

By reaching out to your community and volunteering this summer, you can benefit in so many ways:

Finding the right volunteer opportunity is usually the biggest challenge when it comes to volunteering. While there are plenty of opportunities out there, you should find the one that best fits your personality and interests. The more you enjoy what you’re doing, the better you will be.

shelter or soup kitchen.

your community through

ill or handicapped through organizations like Ronald

donate your time at a local

at a local hospital or nursing home.

culture by volunteering for a state park, city program, library, or museum.

library teaching people to read and making books more available.

activity leader.

extra sets of hands.

program can help you earn money for college by doing

for details. If you need more ideas, or help finding the opportunity that’s right for you, visit www.volunteermatch.org.

Tips To Securing Your Home Before A Trip

By following these home security tips, you can have peace of mind while traveling knowing you’ve taken the right steps toward keeping your home secure:

property and report suspicious activity.

mind parking in your spot.

can pull your cans out and bring them back in after the trash is taken.

impression someone is home.

surveillance of your property.

from your trip.

Traveling Soon? Travel Notification Prevents Bumps Along The Way

Contact us at (631) 434-3500, option 4 to let us know your travel plans to avoid potential hiccups during your trip on debit and credit card activity.

Pay Your Bills Online, Anytimewasting your time and money mailing out that monthly pile of paper bills, by opting for PAFCU’s Bill Payer.

You can pay all of your bills online, anytime with this quick, easy, and convenient service. Bill Payer is flexible and stress-free. Funds come directly from your PAFCU checking account, and you have the option of scheduling payments in advance.

Bill Payer also provides:

In addition to being convenient and affordable, Bill Payer helps you:

We all have bills to pay, but why not make the process as easy as possible

at pafcu.org.

En EspañolEsta gran promoción lo pondrá detrás del volante

¿Está listo para viajar este

mediante un préstamo pre-aprobado de la cooperativa de crédito People’s Alliance. Compre su automóvil con confianza, sabiendo de antemano con cuánto dinero realmente cuenta y con la seguridad de tener dinero en el bolsillo para realizar la transacción. Con GrooveCar, usted puede adelantar mucho trabajo desde la comodidad de su computador o su dispositivo

para usted o está considerando comprar un auto híbrido, visite la dirección: fueleconomy.gov para encontrar allí el automóvil que sea más eficiente y una calculadora para determinar si el auto híbrido realmente puede economizarle dinero. Con esta información y el préstamo pera-probado, usted está listo para visitar el concesionario. Con un cupón de descuento, “CU Auto Coupon,” por $300 usted puede también visitar concesionarios selectos que usted encontrara en la siguiente dirección electrónica: www.pafcu.org.

Este es un ejemplo de pago por la compra de un automóvil nuevo:Precio de la compra: $20,000 Plazo: 60 meses Cuota de pago: $348.29Tasa de interés: 1.74%

*Esta es la tasa de porcentaje anual más baja que se ofrece a los solicitantes que cuentan con el servicio de depósito directo de salario neto y con una cuenta corriente. Los solicitantes a quienes no sean apruebe esta tasa de interés, probablemente recibirán una oferta con una tasa de interés mas alta. Todas las solicitudes de préstamos y tasas de interés dependen de la aprobación del crédito. Esta oferta no se puede combinar con ninguna otra oferta.

PAFCU está aquí para ayudarloUsted sale perdiendo si solamente piensa recurrir a la cooperativa de

crédito People’s Alliance Federal Credit Union cuando quiere comprar un automóvil nuevo. Por supuesto, somos expertos en proporcionar autos a miembros de nuestra cooperativa con préstamos económicos para compra de autos nuevos o usados, pero también tenemos excelentes tasas de interés para compra de barcos y vehículos de tipo recreativo. Le ayudamos a mantener un techo para usted y su familia con préstamos sobre hipotecas. También, le ayudamos a iniciar una nueva carrera profesional con préstamos para estudios y usted podrá hacer de sus sueños una realidad mediante préstamos para vacaciones. Es decir, hacemos préstamos por buenas razones y para todas las estaciones.

Le ayudamos a asegurar su futuro financiero con una variedad de planes de ahorros. Por medio de depósito directo y deducción del sueldo neto, nos aseguramos que usted designe primero una cantidad para su uso personal, de esta forma podrá ahorrar el dinero necesario para hacer un pago inicial para compra de vivienda, automóvil, pagos para gastos de matrículas para estudios o para cuentas de jubilación. Nuestras cuentas de jubilación le ofrecen planes de ahorros con ventajas sobre los impuestos a nivel fiscal.

PAFCU puede ayudar, también, diariamente con sus finanzas, así sea que usted prefiera realizar transacciones con dinero efectivo o con tarjeta de crédito. Revise nuestros servicios de cuenta corriente, programas de tarjeta de crédito, servicios de cajero automático y “FastChek.” ¿Necesita algo especial

pregunte. Y le facilitaremos sus transacciones por medio de nuestros servicios de banca electrónica. Existimos solamente por una razón: para servirle a nuestro cliente. Así que asegúrese que usted está aprovechando todos los beneficios y ventajas de pertenecer a nuestra cooperativa de crédito.

¡Verano divertido y económico!

pensamientos llenan nuestra mente con sueños de verano, descanso, relajamiento y diversión. Ya sea que su diversión de verano sea en forma de viajes, vacaciones en casa, o actividades diarias al aire libre, no hay duda que es necesario planear un exitoso verano.Al seguir unos sencillos consejos y con poca presión, usted puede planear el mejor verano por un precio excelente:

Una vez que usted sepa que va a viajar, trate de hacer la reservación de inmediato. Entre más flexibilidad tenga usted para viajar, tendrá mejores opciones de ahorro.

naturaleza visitando parques, centros de estudios de la naturaleza, o lagos

patio, contando cuentos de fantasmas, cantando y preparando “s'mores” en la fogata. Recuerde contactar PAFCU para obtener descuentos para

regadera de jardín o una manguera.

ensaladas fáciles y salsas hasta barbacoa y frutas frescas.

crema bloqueadora!

simplemente respire y contemple el cielo de verano. Al planear sus vacaciones de verano, recuerde que PAFCU puede

ayudarle con préstamos para vacaciones, tarjetas de crédito de Visa e incluso estableciendo una cuenta “Vacation Club Account” en preparación par a las vacaciones del próximo año.

Obtenga una tarjeta de crédito de visa de PAFCU con tasas de interés bajas desde 9.9%*

Nuestra tarjeta de crédito “Visa Gold Card” ofrece:

4.0% por 6 meses

Nuestra tarjeta de crédito “Visa Platinum Card” ofrece:

4.0% por 6 meses

Oferta para las personas que cuentan ya con una tarjeta de crédito Visa –

tasa de interés de 4.0% por 6 meses!Para solicitar y para averiguar cómo una tarjeta de crédito PAFCU puede

ahorrarle dinero, llame a nuestras oficinas al (631) 434-3500 (opción 1) ó visítenos en la siguiente dirección: www.pafcu.org

*Esta tasa de interés anual es la más baja que se ofrece a los solicitantes que cuentan, con el servicio de depósito directo de salario neto y con una cuenta corriente. Todas las solicitudes de préstamos dependen de la aprobación de crédito. Esta oferta no se puede combinar con ninguna otra oferta

Tarifas bajas de interés para compra de automóvil nuevo desde 1.74%*

Tarifas de interés desde 2.19%* para

compra de autos usados.

Cool Off This Summer With Low Rate Auto Deals

It’s summertime at People’s Alliance...that means hot temperatures outside and super cool deals on Vehicle Loan rates, inside! We know that buying and owning a vehicle is no small financial feat, from the cost of the car or truck, financing, insurance and maintenance expenses like gasoline, repairs, and inspection. We also realize that most buyers are not shopping exclusively with cash but are looking for an affordable financing option for their next ride, and this is where we can help.

As your credit union, we will not only pass along better rates and lower fees to make for a low-cost auto loan, but we’ll guide you in the right direction to help you choose the best vehicle for your lifestyle and budget. With a pre-approved vehicle loan from PAFCU, you can shop with confidence knowing how much you can afford to spend and that you have the money in your pocket. And with Everything Automotive, you can do a lot of legwork from the comfort of your computer or tablet. If gas mileage is important to you or you are considering a hybrid, visit fueleconomy.gov to find the most fuel-efficient vehicles as well as a calculator to determine if a hybrid vehicle can save you money.

Armed with this knowledge and your pre-approved vehicle loan, you are now ready to visit dealer showrooms. And you can also visit select dealers with CU Auto Coupon to receive $300 off your vehicle. For links to Everything Automotive and your $300 coupon, visit pafcu.org.

*Annual percentage rate is the lowest rate offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at this rate may be offered credit at a higher rate. All loan requests and rates are subject to credit approval. This offer cannot be combined with any other offer.

Sample Payment for Purchasing a New Vehicle:Loan Amount: $20,000 Term: 60 months Payment: $348.29Interest Rate: 1.74%

New Auto Ratesas low as 1.74%*Used Auto Rates as low as 2.19%*

Loans OnlineIf you need a loan, it may be just a few clicks and keystrokes away. Go online to

pafcu.org to check out our low rates and then fill out the loan application. We’ll be back in touch with you shortly.

Whether you’re in need of a personal loan to take care of an unexpected expense, are in the market for new wheels, or are ready to tackle that home improvement project, we have a loan to meet your needs. You’ll find our low interest rates and convenient repayment terms will make your loan budget-friendly, and with an automatic transfer or payroll deduction, you can put your payments on autopilot. Borrowing from People’s Alliance has never been easier, so scroll on over to pafcu.org and apply online. We’re open 24hours, 7 days a week, 365 days a year!

Safe Surfing 101: How To Protect Your Kids On The Internet

Your kids are growing up in the age of technology. They likely spend hours on electronic devices, and use the Internet for various purposes from homework to social networking to learning about hobbies to listening to music or watching videos, and much more.

Technology is no doubt a useful learning tool for children of all ages, but certain aspects, especially the Internet, can be scary and even unsafe. Inappropriate websites, online predators, and cyberbullies can make the web a dangerous world for your little ones and teens.

It’s vital that parents take the time and initiative to protect their children from the evils of the Internet. The Federal Bureau of Investigation (FBI) has some valuable tips to help parents protect their kids as they surf the web at home, at school, at a friend’s house, or anywhere:

on the computer AND cell phone.

personal information online.

online.

with online.

they are public and can never be deleted.

knowledge and consent.

meet anyone in person without your prior knowledge and consent. If a meeting is agreed upon and planned, you should be present.

real life to their contact lists.

names or nicknames.

versus potentially risky websites.

125 Wireless Blvd.Hauppauge, NY 11788

PAFCU Branches and ATMsAdministration125 Wireless Blvd.Hauppauge, NY 11788 (631) 434-3500(631) 434-6652 (fax)

Brooklyn69 Atlantic Ave.Brooklyn, NY 11201(718) 797-2988(718) 797-3233 (fax)

67 Hanson PlaceBrooklyn, NY 11217(718) 643-4506(718) 643-8251 (fax)

Jamaica/AllenThe Greater Allen Cathedral of New York110-31 Merrick Blvd.Jamaica, NY 11433(718) 206-4600 x3037(718) 657-0164 (fax)

JFK AirportBuilding #14West Wing, Room 4AJamaica, NY 11430 (718) 656-1774(718) 656-1776 (fax)

Miami5757 Blue Lagoon DriveSuite 100Miami, FL 33126 (888) 268-2768(305) 261-4841 (fax)

Ronkonkoma3125 Veterans Memorial Hwy.Ronkonkoma, NY 11779 (631) 580-3702 (631) 580-3749 (fax)

Westbury1600 Stewart Ave.Suite #101Westbury, NY 11590 (516) 832-8100(516) 832-8120 (fax)

Yonkers132 Tuckahoe RoadYonkers, NY 10710 (914) 963-1370(914) 963-1580 (fax)

*Walk-in business after 4:00 p.m. **Walk-in business only.

PAFCU's Routing Number: 226076135

CO-OP Network® ATM AccessEntitles members to surcharge-free access to ATMs throughout the U.S. including most 7-Eleven® stores.

Website: www.pafcu.org

8:30 a.m. - 4:00 p.m. M-W8:30 a.m. - 6:00 p.m. Th-F*8:30 a.m. - 2:00 pm Sat** Drive-Up8:00 a.m. - 3:30 p.m. M-W8:00 a.m. - 5:30 p.m. Th-F8:30 a.m. - 1:30 p.m. SatATM Available 24 Hours a Day

8:30 a.m. - 4:00 p.m. M-W10:30 a.m. - 6:00 p.m. Th*8:30 a.m. - 4:00 p.m. FriClosed SatATM Available 24 Hours a Day

Closed M8:30 a.m. - 4:00 p.m. Tues-W8:30 a.m. - 5:00 p.m. Th*8:30 a.m. - 6:00 p.m. Fri*Closed Sat8:00 a.m. - 12:30 p.m. Sun**

8:30 a.m. - 4:00 p.m. M-TuesClosed W8:30 a.m. - 4:30 p.m. Th 8:30 a.m. - 6:00 p.m. Fri*8:30 a.m. - 2:00 p.m. Sat** ATM Available 24 Hours a Day

8:30 a.m. - 4:00 p.m. M-Th 8:30 a.m. - 6:00 p.m. Fri*8:30 a.m. - 2:00 p.m. Sat**ATM Available 24 Hours a Day

8:30 a.m. - 4:00 p.m. M-Th8:30 a.m. - 6:00 p.m. Fri*8:30 a.m. - 2:00 p.m. Sat**ATM Available 24 Hours a Day

8:30 a.m. - 4:00 p.m. M-Th8:30 a.m. - 6:00 p.m. Fri*ATM Available 24 Hours a Day

8:30 a.m. - 4:00 p.m. M-Th8:30 a.m. - 6:00 p.m. Fri*8:30 a.m. - 2:00 p.m. Sat** ATM Available 24 Hours a Day on the first floor

Closed M8:30 a.m. - 4:00 p.m. Tues9:30 a.m. - 5:00 p.m. W*9:30 a.m. - 7:00 p.m. Th*9:30 a.m. - 5:00 p.m. Fri*9:30 a.m. - 3:00 p.m. Sat**

Drop Box/Depository Available during Cathedral business hours

PAFCU Board of DirectorsMichael R. Gumiela, ChairmanJohn A. Romanchek, Vice ChairmanDiane Goerz, SecretaryOlga Lancaster, TreasurerNicholas M. Lacetera, DirectorBarbara A. Mandello, DirectorJohn Mistretta, Director

PAFCU Executive ManagementCarol A. Allen, President/CEO Joanne Steigerwald, Executive Vice PresidentFrank Kobel, Vice President Branch Operations

Growing With Our MembersWe Put People First, Even In Our Name!

PEOPLE’S ALLIANCEFEDERAL CREDIT UNION

August 1 – September 30

All PAFCU branches closedATM, Tel-Me, and Website

More Fun In The Sun With UChoose Rewards Program

As you gear up for summertime, many PAFCU members are looking for warm-weather activities that will keep their families busy and smiling from

price tag, from beach vacations to summer camps and swim clubs to graduation celebrations and day trips, and even backyard maintenance.

If you’re looking to plan an exciting and memorable summer activity line-up, you may also be looking for a smart way to fund it. People’s Alliance can help you manage these seasonal expenses with an affordable credit card. In addition to superior everyday interest rates on our Visa, PAFCU also offers a great rewards program for our Visa Platinum Card!

Our UChoose Rewards Program lets you earn points on your purchases,

millions of other exciting options!In addition, a PAFCU Visa Platinum Card is a great value, with:

credit card and receive an APR of 4.0% for 6 months

using that PAFCU Visa Platinum Card in your wallet. Or, visit pafcu.org to apply for your Visa today and get rewarded for having tons of fun in the sun!