Fall

Dates to Remember

THE NEWSLETTER OF PEOPLE’S ALLIANCE FEDERAL CREDIT UNIONFall 2017

www.pafcu.org

First ClassFirst Class

We Put People First, Even In Our Name!

How A Holiday Loan Can Make Your Season Bright

prefer to take in the sights and sounds of the season by shopping local or enjoy the convenience of online browsing, a low-interest

That’s because with a holiday loan, you won’t be tempted to overspend using your credit cards. By setting up a spending plan and then borrowing just the right

cash, instead of credit, you spend less. If you shop online, consult your plan prior to clicking through to your shopping cart.

December 31 will pay no interest for 30 days from the date of the loan.

pafcu.org or call (631) 434-3500, option 1.

Rates as Low as 7.99%*

Enterprise Used Car Sale

Saturday, October 28

GrooveCar SaleOctober 20 – October 30

Holiday Loans Available

November 1 through December 31

Daylight Savings Time Ends

Sunday, November 5 Turn your clocks back

one hour.

ThanksgivingThursday, November 23 All PAFCU offices closed.

Mobile App, ATM, Tel-Me and Website

service available.

Visit Santa in Hauppauge, Hanson

Place, NY and Miami, FL

Saturday, December 2 10:00 a.m. - 12:00 p.m.

Christmas EveSunday, December 24 All PAFCU offices closed.

Mobile App, ATM, Tel-Me and Website

service available.

Christmas Day Monday, December 25 All PAFCU offices closed.

Mobile App, ATM, Tel-Me and Website

service available.

New Year’s Day Monday, January 1, 2018

All PAFCU offices closed. Mobile App, ATM,

Tel-Me and Website service available.

EVERYTHING AUTOMOTIVE: Drive Away With A Better Rate And The Best Price Know Your Numbers: Why Pre-Approval Matters

Before you head to the dealership, be sure to stop in and get pre-approved for an auto loan. This important first step will put you in a better position to negotiate at the dealership.

helping you get a better interest rate. Even

thousands over the life of your loan.

budget for buying. Get pre-approved today at pafcu.org or stop in at your local branch. Now it’s time to start shopping!

Find Your Next Car in Three Simple Steps a sedan with great fuel economy), but without available inventory, how are we able to narrow our selection and make the best choice?

1. First, choose a body style 2. Next, set a price range, and 3. Pick the options you want.

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 September 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 September 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 announced a data breach that impacted the personal information of

It is our highest priority to protect our members’ personal information. Since this breach was significant, we want to provide our members more information

to ensure that you protect your identity.Below please find information on what you can do:

. This website allows you to check and

whether you have been impacted or not, you will have the option of

service that allows you to view all of the information on all three of

major credit reporting agencies will allow you to determine if your identity has been compromised.

Set up fraud alerts on your credit reports. By setting up fraud alerts, you will be notified any time your credit report is pulled. You can set

Be vigilant and monitor all of your personal bank, credit union and

institution immediately if you notice any suspicious activity. Identity theft is one of the fastest growing crimes worldwide. I urge

you to be proactive about your identity and personal information.

th - 30th, and

scholarships to graduating high school seniors. Five scholarships, each in the amount of $1,000.00, were awarded to help students tackle the high cost of college tuition. The winners’ names are listed in this

is now offering college bound high school seniors the opportunity to compete for statewide college scholarships through the New

information, please visit our website.

online at any time or visit one of our branches for more details and get a head start on your holiday shopping. Our loan specialists are here to help ease the loan process and make your holidays bright.

families for their service and sacrifice. It is your selflessness that allows us to enjoy the great freedoms our wonderful country affords us. You are true heroes and we are forever grateful to all of you.

As we close on another year, I’d like to also thank our membership for your continued business and support. It is our privilege to serve you.

President/CEO

anthropologist, an author and speaker of the 1960’s and 1970’s:

change the world. Indeed, it’s the only thing that ever has.”

Teen SceneWe Are Now Accepting College Scholarship Applicationsbound high school seniors the opportunity to compete for statewide college scholarships through the New York

Scholarships will be awarded ranging from $500 to $1,500 and may be used at a two- or four-year accredited educational institution.

Students can take advantage of this opportunity by completing three simple steps:

application form, or visit pafcu.org to download an electronic application. If the student is not a member of

well. (All scholarship applicants are required to be members of a participating New York credit union.)

obtain the required transcripts, along with the signature of a parent or guardian.

There is no fee for submitting an application, but applicants MUST be:

and

In early spring, applications will be judged against other

For more information about this scholarship program, contact

emailing edonoghue@pafcu.org. And also, check our website in

Fall Home Maintenance Tipsdays of summer are coming to an end. Now’s the time to get a jump-start and prepare your home for some fall maintenance. Here are some helpful tips to get your home ready and save you money in the long run:

and if you want to keep out the cold even more, look into purchasing heavier curtains.

water supply.

environment for you and your family.

cause ice dams on your roof that could result in water coming inside your home. Gutter cleaning also prevents gutters from loosening and rotting trim and siding, which could be costly if needing to be replaced.

handle and springs work to ensure the flue is functioning correctly.

Thank You Vets!November 11th is

the day set aside to honor our veterans, but every day is a good day to thank our veterans for their service. Our men and women in uniform make it possible for us to enjoy our freedom and way of life, and for

our veterans’ families who sacrifice so much while their loved ones are protecting our freedom.

war or peacetime, our veterans are our heroes. So make it a point to thank your friends and family members for their service. And when you spot someone in uniform or wearing a baseball cap or jacket identifying a branch of service, be sure to

e-Step On Over To Our Online Services

In today’s busy, tech-driven society, everyone is on the go - working, raising

you name it! There are meetings, to-dos, events, deadlines - the list goes on. Bottom line...we’re mobile and we need a financial institution that’s right there

access to your accounts. Easy, convenient financial management is just a search, click, and e-Step

phone or computer, at any time, wherever they are:

Our suite of convenient, secure e-Services includes:

For details on these services and info on how to sign up, visit pafcu.org today.

En EspañolAlcance sus metas financieras

preguntas sobre cómo liberarse de las deudas. Estos son algunos de los pasos que le pueden ayudar a reducir su deuda:

Si no es posible ahorrar toda la cantidad, entonces por lo menos ahorre depositando el equivalente a la mitad de los pagos que usted estaba haciendo.

Los mejores consejos para la compra de automóvil

Haga una Pre-solicitud.

InvestigaciónEl conocimiento es poder y la investigación va a aumentar sus conocimientos; esto

Ahorros

negociación con uno de los concesionarios y recibir un descuento de inmediato, no se le

Prestamos de día de pago: No se deje seducir

Estas empresas tienen empleados de amable sonrisa que lo hacen pensar que usted

pago por adelantado en efectivo asegurado con un cheque personal o pagado con un

prestamista, no a usted, especialmente si sigue subiendo por dificultad para efectuar el

Obtenga una tarjeta de crédito visa de PAFCU con tasa de crédito desde 9.9% y con un 4.0% por transferencia de balance.*

puede completar una solicitud visitando nuestro sitio web en la siguiente dirección: www.pafcu.org

con depósito directo del sueldo neto y una cuenta de cheques. Todas las solicitudes de

combinar con ninguna otra oferta.

Ya están disponibles los Prestamos Para Vacaciones

diversión, viaje u otros gastos. Si parece que va a gastar mucho dinero, piense en posibles

la cantidad de dinero que va a necesitar, le permiten tener control sobre sus gastos.

Tasas de interés bajas desde 7.99%*

People’s Alliance Investment and Retirement Center

Thomas A. Sconzo

Changing Jobs? Retiring?Don’t Leave your Retirement Plan Dollars Up in the Air

If you’re changing jobs or retiring, you’re in the midst of an enormous change. You should seriously be considering what to do with your money in your employer’s pension plan, 401(k), 403(b)/TSA or 457 plan. After all, it’s probably one of your biggest assets. The wrong move could cost you thousands and greatly affect the quality of your retirement years.

Generally, there are four options for your retirement plan:

Each decision has its pros and cons. Need help deciding what option is

depends on it.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, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. 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.B2MM-0405-2BA8

Zuleica Alcantara graduated from Brentwood High School. She plans on earning a Bachelor’s Degree in Biology.

Rene Jimenez graduated from the

Educational Academy. He is pursuing his passion to become a

Robert Hough graduated from

School. He plans on earning a Bachelor’s Degree in Architecture.

Jordan Simmons graduated from Newburgh Free Academy. He plans on earning an Associate Degree in Occupational Therapy.

Give The Gift Of Credit Union Membership

Are you looking for the perfect gift for a friend or family member?

is the gift that keeps on giving!

an abundance of financial benefits, including:

membership, as well as the global credit union movement.

A credit union is not just a place to conduct financial transactions, but also a trusted partner who wants to help you reach your life goals. You

them join by visiting pafcu.org, calling (631) 434-3500, or stopping into any branch location.

Secure Your Funds With Share Certificatesstands for safety, liquidity and yield and is a time-honored way to make a safe financial bet. Secure your funds with share certificates from

principle to work for you. Safety: Your money is safe in the credit union, where it’s insured

to coincide with when you need the funds. And you can take advantage of better yields by putting your share certificates on a

and so on. Or, if you need the money, you can use the funds instead.

Limited Time Offer:

for new money deposited only.Lucky Savers Account:

sure to see the official rules.) No minimum number of deposits,

You work hard for your money; make it work harder for you with

one today, visit us online or stop in any office.

Congratulations to PAFCU’s 2017 Scholarship Winners! Scholarships. Each winner was chosen in a random drawing and was

to wish our winners and all the applicants’ good luck in their pursuit of a college degree.

Rachelle Smith graduated from the High School of Art & Design. She plans on earning a Bachelor’s Degree in Journalism.

Dates to Remember

Fall 2017

www.pafcu.org

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

We Put People First, Even In Our Name!

PEOPLE’S ALLIANCEFEDERAL CREDIT UNION

Take The Hassle Out Of Payday With Direct Deposit

Nowadays everyone is on the go. Schedules

let financial management slow them down?

we’re always trying to come up with simple solutions to make your life easier. Direct deposit is one of them.

By signing up for Direct Deposit at

(paycheck, etc.) will go right into your account(s) without you having to do it yourself, and ensures that your money gets to your account before you have the chance to spend it.

paystub and statements.

Stop the hassle and start the saving today with Direct Deposit - call or stop by to sign up!

Enterprise Used Car Sale

Saturday, October 28

GrooveCar SaleOctober 20 – October 30

Holiday Loans Available

November 1 through December 31

Daylight Savings Time Ends

Sunday, November 5 Turn your clocks back

one hour.

ThanksgivingThursday, November 23 All PAFCU offices closed.

Mobile App, ATM, Tel-Me and Website

service available.

Visit Santa in Hauppauge, Hanson

Place, NY and Miami, FL

Saturday, December 2 10:00 a.m. - 12:00 p.m.

Christmas EveSunday, December 24 All PAFCU offices closed.

Mobile App, ATM, Tel-Me and Website

service available.

Christmas Day Monday, December 25 All PAFCU offices closed.

Mobile App, ATM, Tel-Me and Website

service available.

New Year’s Day Monday, January 1, 2018

All PAFCU offices closed. Mobile App, ATM,

Tel-Me and Website service available.

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