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Save the Date
Thursday, May 4th -- PCCU's Annual Meeting of the Membership
PCCU Turns 85, Come Celebrate!

PCCU has proudly served it's members for  eighty-five years. Our tradition of co-operative  service was built on one member after another  finding value in the financial products and ser vices we offer, as well as all the basics, and  passing it along to new members. Basics like  cashing their paychecks without judging them
on how neat their work clothes are, or shaking a hand covered in the honest grime of a long shift in the factory. Or our willingness to listen to our members and work with them to solve their problems and achieve their goals. Whether it's a short term problem like borrowing enough money to get through to the next pay day, or helping save for Christmas; or long term like buying a home, saving for retirement, or working with them when their work hours get cut or lay offs hit.

We take pride in giving working men and women a place where they will be treated with courtesy and respect, and in being an institution that's always willing to offer a hand up with financial education, counseling, and the right
financial products at fair prices. It's been an honor serving the working families of Wayne and Henry Counties for eighty-five years, and we look forward to another eighty-five.

If you feel that PCCU has been a help to you, please consider referring us to a friend, family member, or co-worker. There is no higher compliment you can give.

So in the co-operative spirit, rather than spend money on radio or billboards, we'd like to give that money to our members. So for every new member that you refer to us, we'll pay you $25!

For all the details visit our website .
Ready to Hit the Road in a New Ride?
PCCU Auto Loan 
Pre-Approvals Avoid the Financing Headaches

Considering buying a new car, truck, or motorcycle? It's exciting thinking about driving off the lot in your brand new ride! Wouldn't it be nice to skip one of the least fun parts of the process, dealing with the financing in the dealership? It's hard to tell if you're getting a good deal, whether you're getting the best rate you qualify for, what kind of options you have for GAP, Life and Disability Insurance; not to mention not knowing who you're going to have to make payments to and work with for the next five or six years. So now PCCU is offering an extra incentive to skip the dealership's finance department.

You can apply for an auto loan pre-approval on a new vehicle, whether online or in person, then meet with one of our loan officers. They'll go over the loan options and rates you qualify for, and help you decide how much you can afford while staying within your budget. Plus they'll help you determine the value of
any vehicle you're trading in using the National Auto Dealers Association (or NADA) guide, so you can avoid lowball offers.

Our Loan Officers will also analyze your credit report and offer advice on tuning up your credit score. They'll even do a comparison to see if you could save money by refinancing your other loans to PCCU.

We'll sweeten the deal by depositing $50* in your PCCU account. You'll be ready to find the perfect car, truck, or motorcycle without having to worry about whether you can make the payments, if you can get the best rate, and get a
good deal on GAP insurance. 

Ready to make your appointment? Call or email your Member Relationship Manager, Dava Dale at 765-969-8675, or email her at ddale@pccu.com. She'll answer your questions and get you started today. You can check it out on our website.

*Must have an Experian Credit Score of 640 and qualify for a new auto loan to receive the $50 incentive.
You're Invited to the Annual Meeting

Join us on Thursday, May 4th for the Annual Meeting of the PCCU Membership. Come on out to Reid Hospital in Richmond, where we'll gather on the lower level in the Lingle Auditorium. We'll be serving appetizers and desserts, along with iced tea, lemonade, and coffee, all from the top-notch Reid Catering team. We'll start serving at 6:00 pm to give you plenty of time to dine and mingle with your fellow members.

Then at 6:45 pm we'll move into the Auditorium proper for a great show presented by WonderLab, the Museum of Science, Health & Technology in Bloomington. Their "Stranger Than Fiction" interactive science show will explore the science from children's books like Harry Potter, Percy Jackson, The Wizard
of Oz, and others; proving that science is anything but boring! 

After the show, we'll have our business meeting and review the standing of the
Credit Union with your Board of Directors, Supervisory Committee, and the
Management Team. We'll recognize staff who have served you for five or more
years. You'll also be able to vote on Members of the Board and the Supervisory
Committee, and check out PCCU's Annual Report for 2016.

Finally, we'll end the evening by drawing for over $1,000 in door prizes! We'll have separate prizes for both kids and adults, and everyone will have a chance to win. It's a great evening filled with food, fun, and prizes. Not to mention the chance to learn more about the Credit Union and help decide it's future direction. So bring your kids and/or your grandkids and enjoy a great night out with Perfect Circle Credit Union!
Now's the Time to
Refi & Save
It's Not Too Late to Refinance and Save!

If you've held off from a home loan refinance during the last few years there may still be time to lower your interest rate and save yourself some money. Home prices have begun to pick up steam in the last couple of years as people have gone back to work and gotten back into the housing market. Millenials have also been buying homes at higher rates, increasing the overall demand. Because of this renewed activity and demand, many homes whose value dropped during the Great Recession have begun to recover the equity they lost, and in many cases have added additional value as well.

Wondering if a refi might help you save, learn more by visiting our website. Or you can make an appointment with our Home Loan Expert, Amy Clark, today by calling her at 765-489-4571, ext 255, or by emailing her at aclark@pccu.com.
Get Started Today!
First Time Home Buyers, 
Amy Clark is Your Ally

So you've been waiting to get into the home buying market. Maybe you've been trying to save up for a down payment. Or you've been trying to pay down your student loans. Or you just haven't felt real sure about the market. Well the time is good for getting off of the sidelines and into your first home.

But you're not sure where to begin. Do you find a realtor, or should you apply for a home loan, or just start browsing listings on Zillow? Before you take your first dip into the housing market, come in and talk to our home loan expert, Amy Clark (NMLS#488199). Amy has more than twenty years of lending experience, and she's ready to help you take on the challenge of buying your first home. She will go through all the potential pitfalls of credit and funding to make sure you're ready. From helping you pull and analyze your credit report, to explaining the terminology and alphabet soup of home loans, to presenting the best home loan options to meet your needs.

You can check out our website to learn more; or you can c all or email Amy for an appointment today at 765-489-4571 ext.255 or at aclark@pccu.com . She's ready to help you!
Financial Education at Your Fingertips: PCCU's Financial Resource Center

Part of PCCU's Mission Statement is, "Committing ourselves to continuing financial education for everyone's success". In other words, we want to help our members better control their lives and futures by helping them educate themselves to better manage their financial lives. Your life is busy and we want this opportunity to be accessible to you when and where you have time. So PCCU is now offering our Financial Resource Center, available online when you want it, 24/7/365. 

If you have more questions, or want help getting started, you can contact your Member Relationship Manager, Dava Dale by email at ddale@pccu.com or by phone at 765-969-8675. She can either answer your question or connect you with an expert.
We're Available 24/7

You can always visit us online at PCCU All Ways: Home Banking or from the browser on your mobile device at  www.pccu.mobi, or via our Android and iOS apps. They're all available 24/7 to make PCCU available to  you on  YOUR  schedule!
| This institution is not federally insured | PCCU is an Equal Housing Lender |
| PCCU is privately insured through American Share Insurance. |
PCCU | 631 E Main St Hagerstown | 1-800-582-7228 | PCCU.com
STAY CONNECTED:
NMLS# 453014