Paying Higher Interest Rates is Udderly Ridiculous!If you have balances leftover from the holidays, it’s time to make your MOOve! Consolidate and transfer all those high interest rate credit cards and move them to your PCFCU VISA® !

Milk This O!er for All It’s Worth Promotional rate of 4.99% APR for 6 months* New cardholders enjoy the same low rate

on purchases No balance transfer fees or annual fees

Apply for Your New Card Today!Apply now through April 2012 for your new PCFCU VISA® and start MOOving those balances! Complete your application online at www.PinalCountyFCU.com, call 520.381.3100 or 800.221.4179, or stop by any branch.

* APR = Annual Percentage Rate. Special promotional rate of 4.99% APR is for six months and will be applied to all balances transferred from another !nancial institution to a PCFCU Classic or Platinum VISA® credit card. After the six month promotional rate ends, the rate will default back to the standard purchase rate of 9.9%APR or 12.9%APR, depending on card and credit score.

No Fee VISA® Gift CardsPinal County Federal Credit Union wants to make your life a whole lot easier. Save time and money when you purchase your VISA® gift cards from our walk-up ATMs. These VISA® gift cards come with a bonus coupon giving you the value and convenience that’s always a part of Pinal County Federal Credit Union experience. And, our special gift to you - pay no fees until January 31, 2012!

Give us a call at 520-381-3100 to !nd out how you can skip those check-out line delays and activation hassles with auto-activated VISA® gift cards right from your Pinal County FCU branch ATM!

This card is issued by MetaBankTM pursuant to a license from Visa U.S.A. Inc.

HoursLOBBY HOURS:Monday, Tuesday, Thursday:8:30 a.m. - 5:00 p.m.Wednesday: 10:00 a.m. - 5:00 p.m.Friday: 8:30 a.m. - 6:00 p.m.

DRIVE THRU HOURS:Monday - Thursday: 8:30 a.m. - 5:00 p.m.Friday: 8:30 a.m. - 6:00 p.m.

SATURDAY HOURS: 9:00 a.m. - 2:00 p.m., Casa Grande, Coolidge, and NOW San Tan Valley

Board of DirectorsPeter Ballato, ChairmanDorothy Erdman, Vice ChairmanGwenda Bain, SecretaryLarry Wharton, DirectorDolores Dodi Freeman, Director

Winter 2012

Locations and Branch ManagersFlorence 200 W. 20th Street, P.O. Box 969 Jennifer Nathaniel, Manager

Casa Grande 1000 E. Florence Boulevard Estella Villarreal, ManagerApache Junction 290 S. Phelps Drive Rebecca Encinas, ManagerCoolidge 1491 N. Arizona Blvd., Suite 101 Olivia Padilla, ManagerSan Tan Valley 3125 W. Hunt Highway, Suite 105 Aileena Juarez, ManagerMaricopa 44600 W. Smith Enke Rd., Suite 105 Kim Sey"ert, Manager

Pinal County Federal Credit Union

Prepare for Tax SeasonWith a Complimentary Financial Review It’s that time of year when you’ll need to organize receipts and gather W-2s and 1099s. It’s also a great time to come into Pinal County FCU for your FREE !nancial review! We’ll take a look at ways you may still be able to save on your 2011 taxes and how you can reduce your tax bill for 2012. Plus, we’ll review your !nancial goals for retirement, college or estate planning. Richard Haupt, a Financial Consultant registered with LPL Financial, is a !nancial professional with the knowledge and experience to help you build a solid !nancial plan. Schedule your complimentary review with Richard by emailing him at Richard.Haupt@lpl.com or calling 520.381.3081 (o#ce) or 520.705.1737 (cell).

Securities and Insurance products are o"ered through LPL Financial and its a#liates, member FINRA/SIPC. Pinal County Federal Credit Union is not a registered broker-dealer nor a#liated with LPL Financial. Richard Haupt is registered in Arizona and Missouri.

Loans You’re Gonna Love!At Pinal County FCU, we’re more than just great auto loans! We’re a full-service lender o"ering !nancing for homes, recreational vehicles, personal loans and more!

MortgagesWhether you’re buying your !rst home, moving up to a larger home, or re!nancing, we’ve got a mortgage that’s just right for you! Choose from a variety of !xed rate and adjustable rate loans. Special programs are available for construction loans and !rst-time homebuyers too.

Home Equity Loans Fixed Rate Home

Equity Loans as Low as 6.0% APR!**

Variable Rate Home Equity Lines of Credit as Low as 5.75% APR!**

Choose a traditional, !xed rate Home Equity Loan when you want to borrow a speci!c amount to be repaid over a set period of time with equal monthly payments. If you’re looking for a $exible source of funds that you can access as you need it, up to your approved limit, then the Home Equity Line of Credit is your best choice. Either way, the interest portion of your payments may be tax-deductible, making your e"ective interest rate even lower.*

Vehicle Loans as Low as 3.49%APR!**We’ll get you on the road quickly with a low interest rate and $exible terms that make your purchase more a"ordable than ever! Finance or re!nance your car, truck, van, boat, motorcycle or RV and get the low payments you deserve!

Welcome Randy WheelerRandy Wheeler started with Pinal County FCU in October as Vice President Chief Credit O#cer. Mr. Wheeler has worked with !nancial institutions for 35 years, in management and all aspects of lending. He has done it all from consumer to commercial and mortgages. Randy is a lifelong resident of Pinal County, and graduated from Casa Grande Union High School, Central Arizona College and Arizona State University. He is married with 3 children and 3 grandchildren. Please join us in welcoming Randy to our Pinal County FCU Family!

Personal Loans as Low as 11%APR!**Pinal County FCU o"ers a variety of personal loan products to !t most any !nancing need.

Personal Line of Credit A Personal Line of Credit is ideal

when you need cash for a vacation, unexpected expenses, or for any reason. You’ll receive a competitive rate and check writing privileges.

Signature Loan A Signature Loan requires no collateral,

just your signature as a promise to repay. This loan comes with no annual fee, competitive rates and easy access to your funds.

Share Secured Loan Utilize money you have in a share

certi!cate as collateral for a personal loan. It can lower the rate you pay on the loan, while you continue to earn interest on your investment.

Apply Today!CLICK: www.PinalCountyFCU.comCALL: 520-381-3100 or 800-221-4179 VISIT: Apply in person at any PCFCU branch location

*Consult your tax advisor for details.**APR = Annual Percentage Rate. All loans subject to credit approval. Your actual rate may vary based on loan term, collateral and credit worthiness. See Credit Union for details.

From left to right are: Aileena Juarez, San Tan Valley Branch Manager, Ann Wiberg, Casa Grande Assistant Branch Manager, Kim Sey!ert, Maricopa Branch Manager, Estella Villarreal, Casa Grande Branch Manager, Rebecca Encinas, Apache Junction Branch Manager, Olivia Padilla, Coolidge Branch Manager, Jennifer Nathaniel, Florence Branch Manager

Happy New Year from Pinal County FCU Branch Managers and Sta!

Farewell to Terry SuttonTerry Sutton has resigned from our board of directors. We thank Terry for his four years of service and all of his contributions to Pinal County Federal Credit Union. Dolores “Dodi” Freeman has been appointed to !nish out the term until April. Dodi has held many positions at Pinal County Federal Credit Union over her 26 years, including interim CEO.

CEO MessageServing Our Community 2011 was an exciting year for Pinal County Federal Credit Union! We now have VISA® Gift Cards available in our ATM’s, we expanded the San Tan Valley hours to include Saturdays and implemented Online Loan Applications!

Lending Activity and MembershipDuring 2011, Pinal County FCU provided !nancing in the form of personal loans to 1865 members totaling $16 million. We have also helped to support the local community with commercial loans to 40 business members totaling $4 million. In addition, I am pleased to report that during 2011, we welcomed 461 new members to the Pinal County FCU family.

Scholarship Program Continues for 2012Pinal County FCU believes education is the key to the future, and will continue to o"er annual scholarships towards tuition at Central Arizona College. The scholarships are one-time $1,000 awards given to graduating seniors from various high schools throughout Pinal County.

Convenient LocationsIn addition to our six full-service branch o#ces in Pinal County, we expanded our ATM network in 2011. We now have ATM’s all over Pinal County located in community hospitals, government o#ces, and retail locations.

Since joining Pinal County FCU in August, I have come to appreciate the strength of PCFCU, the commitment of the great sta" and most importantly, the loyalty of our membership! It is an honor to serve our members, and look forward to the future at Pinal County Federal Credit Union!

Alice Wilcox, President/CEO

Board of Directors Nominees NamedAnnual Meeting Set For April 28, 2012The Annual Membership Meeting and announcement of results of Elections of Directors will be held on Saturday, April 28, 2012. The following names have been submitted by the Nominating Committee and approved by the Board of Directors as nominees for election to the Board of Directors:

Scott Barber

Charles Estrada

Dolores “Dodi” Freeman

Jim Rives

John Shaw III

CL “Tex” Wilbanks

Contact Carol Daniel at CDaniel@PinalCountyFCU.com or 520.381.3124 for a petition.

BYLAWS - SECTION 1. (Deadline for !ling petitions is February 6, 2012.) “At least 120 days before each annual meeting the chair will appoint a nominating committee of three or more members. It is the duty of the nominating committee to nominate at least one member for each vacancy, including any unexpired term vacancy, for which elections are being held, and to determine that the members nominated are agreeable to the placing of their names in nomination and will accept once if elected. The nominating committee !les its nominations with the secretary of the Credit Union at least 90 days before the annual meeting, and the secretary notices in writing all members eligible to vote at least 75 days before the annual meeting that nominations for vacancies may also be made by petition signed by 1% of the members with a minimum of 20 and a maximum of 500.” “The notice must indicate that the election will not be conducted by ballot and there will be no nominations from the $oor when the number of nominees equals the number of positions to be !lled. A brief statement of quali!cations and biographical data in a form approved by the Board of Directors will be included for each nominee submitted by the nominating committee with the notice to all eligible members. Each nominee by petition must submit a similar statement of quali!cations and biographical data with the petition. The notice must state the closing date for receiving nominations by petition. In all cases, the period for receiving nominations by petition must extend at least 30 days from the date of the petition requirement and the list of nominating committee’s nominees are mailed to all members. To be e"ective, nominations by petition must be accompanied by a signed certi!cate from the nominee or nominees stating that they are agreeable to nominations and will serve if elected to o#ce. Nominations by petition must be !led with the secretary of the credit union at least 40 days prior to the annual meeting, and the secretary will ensure that nominations by petition, along with those of the nominating committee, are posted in a conspicuous place in each credit union o#ce at least 35 days before the annual meeting.”

PinalCountyFCU.com

Just Look for The Swirl!We are your Shared Branching connection nationwide.

Florence200 W. 20th Street, P.O. Box 969

Florence, AZ 85132Fax: 520.868.0142

Casa Grande1000 E. Florence Boulevard

Casa Grande, AZ 85122Fax: 520.836.6024

Apache Junction290 S. Phelps Drive

Apache Junction, AZ 85120Fax: 480.671.9585

Coolidge1491 N. Arizona Boulevard

Suite 101Coolidge, AZ 85128Fax: 520.723.2555

San Tan Valley3125 W. Hunt Highway

Suite 105 Queen Creek, AZ 85142

Fax: 480.358.4120

Maricopa44600 W. Smith Enke Road

Suite 105 Maricopa, AZ 85139

Fax: 520.423.9069

Telephone numbers for all branches:520.381.3100 800.221.4179

www.PinalCountyFCU.com

Hablamos Español

Pinal County Federal Credit UnionIf you live, work, worship or attend school in Pinal County, we’re here to serve you!

Cooperativa de Ahorros Federal del Condado de Pinal ¡Si usted vive, trabaja,

asiste a la escuela o es miembro de una iglesia en el Condado Pinal,

estamos aqui para servirle!

OUR MISSION: The Pinal County Federal Credit Union shall endeavor to meet the !nancial needs of its members (who are the rightful owners of the credit union) in a friendly and courteous manner, provide the highest dividends possible, grant loans on a fair and equal basis, provide !nancial guidance, inform members of services and continue to seek ways to meet other !nancial needs while ensuring positive growth and pro!tability.

OUR VISION: Dedicated to Pinal Country’s future, becoming your credit union of choice, with increased !nancial strength providing exceptional member service through an expanded membership base and convenient locations.

RATES AS LOW AS

3.49% APR!*

Freeze Out High Payments With A!ordable Auto Financing from PCFCUIf you’re in the market for a new (or new to you) vehicle, now is the time to make your move. Rates are at historical lows and that means low payments for you! Plus, you can get pre-approved for your vehicle loan before you go to the dealership and enjoy the bargaining power of a “cash” buyer!

Apply for Your Pre-Approved Loan Today!CLICK: www.PinalCountyFCU.comCALL: 520.381.3100 or 800.221.4179 VISIT: Apply in person at any branch location

Time to Expand Your Business?PCFCU O!ers Business LoansDid you know that as a small business owner you can enjoy the same friendly, personalized service that you receive on your personal account? Pinal County FCU provides a full range of business services, including !nancing for all your business needs- equipment, vehicles, lines of credit and more. You’ll work with a Commercial Lending Representative who is aware of local market conditions and will take the time to understand the needs of your business.

For more information, give us a call at 520.381.3137 or 800.221.4179 and ask to speak with a Commercial Loan O#cer, or visit our website at www.PinalCountyFCU.com and click on “Business Services,” then “Loans” to contact us via email.

Angel Trees Christmas Angel Trees have become a tradition for the members of Pinal County FCU. Paper angels on the tree represent a child in a Casa Grande shelter and an item on their wish list, so they get to open new gifts Christmas morning. “We’ve always had a great response from our members. They really do contribute to this program,” says Alice Wilcox, president and CEO of Pinal County FCU. Thank you to our members for their participation and brining cheer to children in our community.

Alan Levine/Dispatch, Pinal County Federal Credit Union has been participating in the Against Abuse Inc. Angel Tree program since 1999, including placing trees in its San Tan Valley and Florence branches besides the Casa Grande location. From left are Sonia Cortez, AAI children’s counselor; Holly Valdez, AAI youth advocate; Alice Wilcox, PCFCU president and CEO; Stephanie Cave, PCFCU business development representative; and Estella Villarreal, branch manager.

Holiday Reminder All branches will be closed on the following days:

Martin Luther King Day – Monday, January 16, 2012

President’s Day – Monday, February 20, 2012