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PECU Has A New Website, New e-Branch & New Mobile App

MEMBER APPRECIATION

We hope you’re enjoying your brand new PECU website. It has an exciting new look and lots of enhanced features. If you haven’t seen it yet, click www.pecutx.org to reach our homepage. In addition, PECU has a new and improved e-Branch. If you’ve never done online banking and need help getting started on PECU’s e-Branch, please feel free to contact Financial Services at 800-772-1955. Our friendly folks are happy to assist you. We also hope you will download our newly updated Apple and Android PECU mobile apps. It’s like having a PECU branch in the palm of your hand. As always, they’re free. We’re excited to offer you these new items. PECU appreciates you!

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Stop Swimming in a Sea of Fees. Get PECU Free Checking.

HOME EQUITY PROMOTION

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You work hard for your money. Why swim with the sharks and let big banks take big bites out of your hard-earned dollars? A survey by wallethub.com says some banks charge as many as 50 individual fees for checking accounts. Ouch! Why pay all of these fees? Switch to PECU Free Checking and save lots of money. PECU gives you no balance requirements and no monthly fees. There’s no service charge, no usage requirement, and no required tie-in to other services. You also get our free mobile app, free debit card, and more than 350 free Central Texas ATMs. Make 2018 the year you save lots of money with PECU Free Checking!

PAGE 2: Refinance your non-PECU auto loan and get up to $300 —>

Monday March 5, 2018 @ 7:00 PM

aUTo Loan refinance ProMo

Out with your old car loan, in with new

• Up to $300 cash incentive • No payments for 90 days • Title transfer fee paid

There’s a special magic in the air when a new year starts. Anything is possible. After the holiday season, however, your budget may need some abra-cadabra. PECU wants you to get a 90-day break from your car payments, plus up to $300! You can do that by refinancing your non-PECU auto loan at PECU. What’s more, PECU low-ers your payment, pays your title transfer fee, and offers you a rate as low as 1.89% APR. You don’t need any ho-cus pocus. All you need to do is apply online, or drop by any PECU lobby branch. Save mon-ey by refinancing with PECU!

www.pecutx.org800-772-1955 Loan Amount Incentive

$10,000 - $19,999 $100$20,000 - $29,999 $150$30,000 - $39,999 $200$40,000 - $49,999 $250

$50,000+ $300

as low as 1.89%*

APR

All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks

* Rates, terms & conditions subject to change. Contact PECU to verify promotional rate.underwriting guidelines apply. Vehicles currently fianced at PECU not eligible.model year 2013 and newer are eligible. Up to $300 deposited in share account. Standard

lower payments!

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Mark your calendar to attend PECU’s Annual Meeting on Monday March 5, 2018. It’s being held at the Embassy Suites Hotel at 5901 I-35 North in Austin. You will receive fun door prizes and be entered into our drawing for cash prizes! Dinner will be served at 5:30 PM. The business meeting will start at 7:00 PM. We will be casting ballots for two Board positions that are up for election. There will be speeches from the Board of Directors and PECU President Gary Whitcomb. PECU’s Annual Meeting is a great way to see old friends, meet other PECU members, and celebrate your credit union.

SPeciaL eVenT

eMbaSSy SUiTeS hoTeL, 5901 i-35 norTh (aUSTin) PecU annUaL MeeTing

Monday March 5, 2018 @ 7:00 PM

aUTo Loan refinance ProMo

PECU is partnering with Mastercard and Jack Henry & Associates, Inc. for the Priceless Surprises promotion. Using your credit or debit PECU Mastercard can help you win great prizes! Right now, PECU cardholders automatically receive one (1) entry into the Priceless Surprises promotion each time they use their credit or debit Mastercard to make: 1) a signature-based purchase or 2) a credit-based chip & pin purchase transaction of $10 or more during the promotion period. There is also a mail-in entry option with no purchase necessary. See PECU website for Official Rules. There will be three quarterly promo periods with drawings held on 1/12/18, 3/14/18 and 5/16/18. During each of the three drawing periods, a PECU member will win a $500 statement credit! That’s a guarantee of $1,500 in prizes for PECU members! What’s more, one Grand Prize will be awarded for each of the three drawing periods from entries from all participating financial institutions. The Grand Prize is a fabulous 6-day/5-night trip worth $12,250! Destination options include New York City, Scottsdale, Arizona, or Jackson Hole, Wyoming. Use your credit and debit PECU Mastercard and you might win a priceless surprise. Good luck!

Priceless Surprises PromotionYour PECU MasterCard Can Help You Win

PECU Birthday Event Winner Gallery!

MAIN OFFICE306 East 10th StreetP.O. Box 2205Austin, Texas 78768-2205Phone: 512-474-1955Fax: 512-474-2731E-mail: member@pecutx.orgLobby Hours:Monday thru Friday 9 am - 5 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmCENTRAL OFFICE1200 West 42nd StreetAustin, Texas 78756Lobby Hours:Monday thru Friday 9 am - 6 pmSaturday 9 am - 1 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pm

WALNUT CREEK OFFICE8013 Centre Park DriveAustin, Texas 78754Lobby Hours:Monday thru Friday 9 am - 6 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmOAK HILL OFFICE5838 Highway 290 WestAustin, Texas 78735Drive-Up Facility OnlyDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmROUND ROCK OFFICE15800 RM 620 North(Near intersection of 620 N & Cornerwood)Austin, Texas 78717Lobby Hours:Monday thru Friday 9 am - 6 pmSaturday 9 am - 1 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pm

BEAUMONT OFFICE4215 Eastex FreewayBeaumont, Texas 77706Phone: 409-892-3171Fax: 409-892-7763 Lobby Hours: Monday thru Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-up Hours: Monday thru Friday 8 am - 6 pm

BRANCHES & HOURS

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Saturday 9 am - 12 pm

Upon request, members are entitled to review or receive a copy of the following credit union documents: Balance Sheet & Income Statement; summary of the most recent audit; written Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and Board policies; Internal Revenue Service Form 990. If you have questions, please contact PECU Financial Services at 512-474-1955 in Central Texas, or toll free 800-772-1955.

Shared Branch Spotlight: Philadelphia William Penn founded Philadelphia in 1682. He gave the city its name by combining the greek words for love (phileo) and brother (adelphis), setting up its nickname, the “City of Brotherly Love.” Pennsylvania’s largest city is steeped in history with numerous American Revolutionary sites, the Liberty Bell, and Independence Hall (where the Declaration of Independence and Constitution were signed). Philadelphia contains 67 National Historic Landmarks and is the birthplace of the US Marine Corps. The city has six Division I universities (St. Joseph’s, La Salle, Temple, Villanova, Drexel and University of Pennsylvania) and the Big Four professional sports teams (Phillies—MLB, Eagles—NFL, Flyers—NHL and 76ers—NBA). When in Philadelphia, you have access to your PECU accounts at 52 different locations across the city. These places are called shared branches. Click www.co-opcreditunions.org to search them. There are 5,000+ worldwide shared branches. Just show your ID and know your PECU account number when you visit a shared branch. Don’t forget to eat a cheesesteak!

COMPLAINT NOTICEThis credit union is incorporated under the laws of the State of Texas, and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with Public Employees Credit Union, you should first contact the credit union. If the dispute is not resolved to your satisfaction, you may contact the Texas Credit Union Department through one of the means indicated below:

In Person or by U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699 Telephone Number: (512) 837-9236Fax Number: (512) 832-0278

E-mail: complaints@tcud.state.tx.usWebsite: www.tcud.state.tx.us

The new year is a good time to compare your insurance rates. You may be able to save money. PECU offers a wide range of savings through TruStage on many of the most popular insurance products including auto, life, home, long-term care and AD&D insurance. You can get free quotes on the insurance products you wish to compare. TruStage is the marketing brand for the insurance products issued by and programs made available through CUNA Mutual Group, including the CMFG Life Insurance Company. CMFG Life has worked with America’s credit unions for more than 75 years. Together, we’re dedicated to helping you protect the achievements and aspirations that matter the most. Did you know that your PECU membership qualifies you for $2,000 of AD&D coverage at no cost? Click the TruStage block from our homepage to get started.

Insurance Savings Opportunities

APPLE ANDROID

Take PECU with you everywhere! PECU’s secure mobile app lets you check balances, pay bills, transfer money, find ATMs, make camera phone deposits, and more—from the palm of your hand! Scan the code to the left for the Apple version, or the code to the right for Android. You can also get them from the Apple Store, Google Play and our website.

Put PECU In Your Pocket: Download Our Mobile App

You’ve faithfully built equity.

Unleash our great Home Equity Loan opportunity:

All loans must be closed by 4/15/18. All loans subject to credit approval. $7,500 minimum loan amount. Up to $300 deposited in share account. Loans must be closed to receive incentive. Standard underwriting guidelines apply. To qualify for the Home Equity cash incentive and the no-closing-cost feature, all loans must be new loans or a refinance from another financial institution. Loans currently financed with PECU are not eligible for the cash incentive or the no-closing-cost feature.

*Rates, terms, and conditions subject to change. Contact PECU to verify your promotional rate.

Now, it’s time for a treat!

• Low fixed rate• Borrow up to 80% LTV• Loan amounts from $7,500 to $500,000• No standard closing cost on loans less than $100,000• One set monthly payment to fit your budget• Interest may be tax deductible (consult tax expert)• No application fee• No origination fee• No processing fee• No hidden costs• No pre-payment fee• Flexible terms up to 20 years

Some PECU members say our Home Equity Loans are “best in show.” They let you run free with opportunities to treat yourself. Faithful PECU members just like you use them for weddings, home improvements, dream vacations, RVs, bill consolidation, business startups, college, new furniture, medical procedures, and more. Act now to get up to $300 bonus cash! Rates are as low as 3.29% APR. Click, call, or come by to apply. Get a PECU Home Equity Loan and break away from the pack.

Loan Amount Incentive$7,500-$24,999 $100

$25,000-$49,999 $200$50,000-$74,999 $250

$75,000+ $300

Rates as low as 3.29% APR

www.pecutx.org 800-772-1955

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MonTh aT oUr WaLnUT creeK branch febrUary iS MeMber aPPreciaTion

www.pecutx.org

All during February, you can get $200 for opening a new PECU checking account with a free debit card at our Walnut Creek branch! What would you do with an extra $200? See website or contact PECU for details.

All during February, PECU will pay for the first purchase you make (up to $50) on your new PECU MasterCard and/or your new PECU debit card. Get a new card, then get gas, groceries or other items on us! Must apply for new cards at our Walnut Creek branch. See website or contact PECU for details.

All during February, we’ll put the first $10 in any new kids or teen account you open for your child or grandchild at our Walnut Creek branch.

Special Event: THURSDAY FEBRUARY 1

• Great Door Prizes

• 1.39% Auto Loan Promotion • iPad Giveaway

• Register to win your share of $500

1.39ONE DAY

AUTO LOANS

% APR

addreSS: 8013 cenTre ParK driVe (78754)

as low as

ONLY!

Promotions Available At Walnut Creek All During February

• Free Food*

*Based on your good credit, take .50% off the current PECU auto loan rates on 2/1/18. Rates, terms, and conditions subject to change. Contact PECU to verify your promotional rate.