Inside this issue:

  • New Contactless Debit Cards
  • PSCCU Empower Me Photo Contest
  • Beware Solar Scammers
  • Upcoming Senior Wellness Fair
  • Seasonal Scams

Members who have an existing PSCCU Debit Card will be receiving a replacement card in the mail in October. The new cards feature a contactless payment option and will have the same card number as existing cards.

 

When you receive your new card:

  • Call to activate your card according to the instructions that come with it.
  • Make sure to provide your new expiration date to any merchants that have your card number on file.
  • Securely dispose of your current card.

If you don’t have a debit card but would like to request one, please contact your branch or call us at 425.283.5151.


Learn more at psccu.org/Contactless.

Has PSCCU made a positive impact on your life? We're asking you, our valued members, to share your stories and photos or videos of how PSCCU has empowered you. Three members will be chosen to win $200!*

 

Whether you’ve just started your relationship with us, or you’ve been with us for many years, we’d like to know: How has PSCCU empowered you?

  • Did PSCCU help you get a loan for your dream car or to help make your house a home?
  • Or did your PSCCU Visa® make a special trip possible?
  • Maybe PSCCU has helped you lower your carbon footprint and create a more environmentally friendly home with our Energy-Smart loans?
  • Or perhaps you deposited into one of PSCCU Certificates knowing that you would earn a great rate AND that your deposits would help the environment?

How ever PSCCU has helped empower you in your life, we would love for you to share your story, pictures and/or video with us. Three members will be chosen to win $200!*

 

Read all the details and rules here. Then submit your entries by emailing us at marketing@psccu.org. All entries are due by Tuesday, October 15, 2024. We can't wait to hear all your great stories!

 

* Full details at https://www.psccu.org/EmpowersMe

As solar projects become more common across the country, so too does fraud associated with unscrupulous installers. When you’re looking to make a large investment in a solar system, protect yourself by following these tips:

  • Research the contractor. Ask you neighbors and family for recommendations to an installation company that has a long and solid reputation in your area.
  • Work directly with an installer. Some companies only do sales and then have subcontractors handle installation, electrical work, and connection to the grid. Ensure you are negotiating with a company that will work with you through the entire process.
  • Investigate your financial options. If you are borrowing money for a solar system, ensure you are getting a good rate from a reliable lender. Understand when the loan money will be advanced and if you’ll be able to refinance if you receive a tax credit.
  • Ensure the company you’re working with complies with the new Washington Solar Consumer Protection Act. Learn more about the act.
  • Don’t give in to high-pressure sales tactics. Take the time to research your options and to carefully review the contract prior to signing like you would with any other large investment.
  • Carefully research if tax credits can help you. The federal government offers a 30% tax credit and some states have incentives on top of that but you need to owe sufficient taxes to take full advantage of these options. You may want to check with your tax advisor.
  • If it seems too good to be true, it probably is.

As a lender, PSCCU is doing its part to ensure contractors comply with the Solar Consumer Protection Act (SCPA). Specifically, PSCCU will not release funds on a solar project in WA until we confirm the contract includes the information listed below, as required by the SCPA. Our checklist includes but is not limited to:

  • Cost per watt 
  • Payment schedule
  • Statement informing them of their right to cancel
  • Warranty disclosure
  • Tax Credit information is acknowledged separately by the member
  • Interconnection approval
  • Verify contractor’s license

PSCCU will be participating in a panel at this year’s Washington State Solar Summit on the topic of how we are ensuring compliance with the Solar Consumer Protection Act and how the Act affected PSCCU. The event will be held at Shoreline Community College on Friday, October 4. Learn more about the Summit at https://www.solarwa.org/2024solsummit.

People aged 62+ and/or those who care for them are invited to Valley Medical Center’s GoldenCare Health & Wellness Fair on Wednesday, October 2, 9am–noon.


This event, held in Renton, features free blood pressure screenings, great food and giveaways, healthcare information to help improve your quality of life, and the opportunity to meet and mingle with other health-minded, proactive older adults. Learn about specialty healthcare services, transportation resources, Medicare options, and much more.

 

Join us at the Medical Arts Center building, First Floor Conference Center, on Valley’s main campus, 4033 Talbot Rd S, Renton, WA, 98055. RSVP here.

As the holidays approach, now is a good time to take a look at some of the newest scams that are occurring across the country.

  • Spoofing: Current technology allows fraudsters to display false Caller ID info with their call. If you receive a call that seems to be from a trusted organization but they’re asking you to give or verify any sensitive information, hang up and call the organization directly. Remember that PSCCU staff will NEVER call you to ask for sensitive information such as your debit or credit card number, social security number, or online or mobile banking log-in credentials.
  • Fake USPS text messages: The U.S. Postal Service does not send text messages or emails unless you signed up for them and enter a tracking number first.
  • False delivery-service texts: Beware messages that come from a “driver” who can’t find your house. When you click on the link, they may install credential-stealing malware onto your device.
  • Gift cards are never an acceptable payment method for a legitimate business. Remember that once you give someone a gift card, there is no way to get your money back.
  • Grandma, I need money! Beware calls from a relative who claims to be in need of money. Fraudsters can now use A.I. to imitate the voice of your loved ones to trick you into giving over credit card numbers or other financial information. If you receive a call asking for money urgently, ask them something that only the real person would know like the name of a pet, the nickname of a family member, or where your family went on a special vacation.

Learn more about current scams and how to avoid them, how to report scams and illegal robocalls, and what to do if you are the victim of a scam, at the FTC’s page on Frauds, Scams and Alerts.

USE MOBILE BANKING WHEN YOU'RE ON THE GO


Ensure you have mobile banking installed for access to your money wherever you go. Check your balances, transfer funds, deposit checks, pay your PSCCU loans or credit card on your own schedule.
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SURCHARGE-FREE ATMs WHEREVER YOU GO



Thanks to our partnership with the CO-OP ATM and Shared Branching Network, you have access to nearly 30,000 surcharge-free ATMs and 5,600 Shared Branching locations across the country. Use the PSCCU Mobile app to find the ATM or Shared Branch nearest you.
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