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Locations and Branch Managers Florence 200 W. 20th Street, P.O. Box 969 Jennifer Nathaniel, Manager Casa Grande 1000 E. Florence Boulevard Estella Villarreal, Manager Paying Higher Interest Rates is Apache Junction Udderly Ridiculous! 290 S. Phelps Drive If you have balances leftover from the holidays, Rebecca Encinas, Manager it’s time to make your MOOve! Consolidate and Coolidge transfer all those high interest rate credit cards and 1491 N. Arizona Blvd., Suite 101 Olivia Padilla, Manager move them to your PCFCU VISA® ! San Tan Valley 3125 W. Hunt Highway, Suite 105 Milk This Oﬀer for All It’s Worth Aileena Juarez, Manager Promotional rate of 4.99% APR for 6 months* Maricopa 44600 W. Smith Enke Rd., Suite 105 New cardholders enjoy the same low rate Kim Sey ert, Manager on purchases No balance transfer fees or annual fees Hours LOBBY HOURS: Apply for Your New Card Today! Monday, Tuesday, Thursday: Apply now through April 2012 for your new PCFCU VISA® and start MOOving those 8:30 a.m. - 5:00 p.m. balances! Complete your application online at www.PinalCountyFCU.com, call Wednesday: 10:00 a.m. - 5:00 p.m. 520.381.3100 or 800.221.4179, or stop by any branch. Friday: 8:30 a.m. - 6:00 p.m. * APR = Annual Percentage Rate. Special promotional rate of 4.99% APR is for six months and will be applied to all balances DRIVE THRU HOURS: 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. 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 No Fee VISA® Gift Cards Board of Directors Pinal County Federal Credit Union wants to make your life a whole Peter Ballato, Chairman lot easier. Save time and money when you purchase your VISA® Dorothy Erdman, Vice Chairman gift cards from our walk-up ATMs. These VISA® gift cards come Gwenda Bain, Secretary with a bonus coupon giving you the value and convenience that’s Larry Wharton, Director always a part of Pinal County Federal Credit Union experience. Dolores Dodi Freeman, Director 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. Winter 2012 Welcome Loans You’re Gonna Love! Randy Wheeler 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 Randy Wheeler loans and more! started with Pinal County FCU in Mortgages October as Vice Whether you’re President Chief buying your rst Credit O cer. Mr. home, moving up Wheeler has worked to a larger home, with nancial or re nancing, institutions for we’ve got a mortgage 35 years, in management and all that’s just right for aspects of lending. He has done it all you! Choose from a from consumer to commercial and variety of xed rate and mortgages. Randy is a lifelong resident adjustable rate loans. of Pinal County, and graduated from Special programs are available Casa Grande Union High School, for construction loans and rst- Central Arizona College and Arizona time homebuyers too. State University. He is married with 3 children and 3 grandchildren. Please Home Equity Loans join us in welcoming Randy to our Personal Loans as Low Pinal County FCU Family! Fixed Rate Home Equity Loans as Low as 11%APR!** as 6.0% APR!** Pinal County FCU o ers a variety of personal Variable Rate Home loan products to t most any nancing need. Prepare for Equity Lines of Credit as Low as 5.75% APR!** Personal Line of Credit A Personal Line of Credit is ideal Tax Season Choose a traditional, xed when you need cash for a vacation, unexpected expenses, or for any rate Home Equity Loan when reason. You’ll receive a competitive rate With a Complimentary you want to borrow a speci c and check writing privileges. Financial Review amount to be repaid over a set period of time with equal Signature Loan It’s that time of year when you’ll need to A Signature Loan requires no collateral, organize receipts and gather W-2s and monthly payments. If you’re looking for a exible source just your signature as a promise to 1099s. It’s also a great time to come into repay. This loan comes with no annual Pinal County FCU for your FREE nancial of funds that you can access as you need it, up to your fee, competitive rates and easy access review! We’ll take a look at ways you to your funds. may still be able to save on your 2011 approved limit, then the Home taxes and how you can reduce your Equity Line of Credit is your best Share Secured Loan tax bill for 2012. Plus, we’ll review your choice. Either way, the interest Utilize money you have in a share nancial goals for retirement, college portion of your payments may certi cate as collateral for a personal or estate planning. Richard Haupt, a be tax-deductible, making loan. It can lower the rate you pay on Financial Consultant registered with your e ective interest rate the loan, while you continue to earn LPL Financial, is a nancial professional even lower.* interest on your investment. with the knowledge and experience to help you build a solid nancial Vehicle Loans as Low Apply Today! plan. Schedule your complimentary as 3.49%APR!** CLICK: www.PinalCountyFCU.com review with Richard by emailing him We’ll get you on the road CALL: 520-381-3100 or at Richard.Haupt@lpl.com or calling quickly with a low interest rate 800-221-4179 520.381.3081 (o ce) or 520.705.1737 and exible terms that make (cell). VISIT: Apply in person at any your purchase more a ordable PCFCU branch location Securities and Insurance products are o ered through than ever! Finance or re nance LPL Financial and its a liates, member FINRA/SIPC. Pinal your car, truck, van, boat, *Consult your tax advisor for details. County Federal Credit Union is not a registered broker- **APR = Annual Percentage Rate. All loans subject to credit dealer nor a liated with LPL Financial. Richard Haupt is motorcycle or RV and get the approval. Your actual rate may vary based on loan term, collateral registered in Arizona and Missouri. low payments you deserve! and credit worthiness. See Credit Union for details. Pinal County Federal Credit Union CEO Message Board of Serving Our Community 2011 was an exciting year for Pinal County Federal Credit Directors Union! We now have VISA® Gift Cards available in our ATM’s, we expanded the San Tan Valley hours to include Nominees Saturdays and implemented Online Loan Applications! Named Lending Activity and Membership Alice Wilcox, President/CEO During 2011, Pinal County FCU provided nancing in the Annual Meeting Set form of personal loans to 1865 members totaling $16 million. We have also For April 28, 2012 helped to support the local community with commercial loans to 40 business The Annual Membership Meeting and members totaling $4 million. In addition, I am pleased to report that during announcement of results of Elections 2011, we welcomed 461 new members to the Pinal County FCU family. of Directors will be held on Saturday, April 28, 2012. The following names have Scholarship Program Continues for 2012 been submitted by the Nominating Pinal County FCU believes education is the key to the future, and will Committee and approved by the Board of continue to o er annual scholarships towards tuition at Central Arizona Directors as nominees for election to the College. The scholarships are one-time $1,000 awards given to graduating Board of Directors: seniors from various high schools throughout Pinal County. Scott Barber Convenient Locations Charles Estrada In addition to our six full-service branch o ces in Pinal County, we expanded Dolores “Dodi” Freeman our ATM network in 2011. We now have ATM’s all over Pinal County located in Jim Rives community hospitals, government o ces, and retail locations. John Shaw III 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, CL “Tex” Wilbanks 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! Contact Carol Daniel at CDaniel@ PinalCountyFCU.com or 520.381.3124 for a petition. Farewell to Terry Sutton 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. Terry Sutton has resigned from our board of directors. We thank Terry for his It is the duty of the nominating committee to nominate at least one member for each vacancy, including any unexpired term four years of service and all of his contributions to Pinal County Federal Credit vacancy, for which elections are being held, and to determine Union. Dolores “Dodi” Freeman has been appointed to nish out the term that the members nominated are agreeable to the placing of their names in nomination and will accept once if elected. The until April. Dodi has held many positions at Pinal County Federal Credit Union nominating committee les its nominations with the secretary of over her 26 years, including interim CEO. 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 Happy New Year from Pinal County FCU Branch minimum of 20 and a maximum of 500.”“The notice must indicate that the election will not be conducted by ballot and there will Managers and Staﬀ 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 From left to right are: Aileena Juarez, San Tan Valley Branch Manager, Ann Wiberg, Casa Grande Assistant Branch Manager, Kim annual meeting, and the secretary will ensure that nominations Seyﬀert, Maricopa Branch Manager, Estella Villarreal, Casa Grande Branch Manager, Rebecca Encinas, Apache Junction Branch by petition, along with those of the nominating committee, are posted in a conspicuous place in each credit union o ce at least 35 Manager, Olivia Padilla, Coolidge Branch Manager, Jennifer Nathaniel, Florence Branch Manager days before the annual meeting.” PinalCountyFCU.com 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 Florence on their wish list, so they get 200 W. 20th Street, P.O. Box 969 Florence, AZ 85132 to open new gifts Christmas Fax: 520.868.0142 morning. “We’ve always had a great response from our Casa Grande members. They really do 1000 E. Florence Boulevard Casa Grande, AZ 85122 contribute to this program,” Fax: 520.836.6024 says Alice Wilcox, president and CEO of Pinal County FCU. Thank Alan Levine/Dispatch, Pinal County Federal Credit Union has been participating in the Against Apache Junction Abuse Inc. Angel Tree program since 1999, including placing trees in its San Tan Valley and Florence 290 S. Phelps Drive you to our members for their branches besides the Casa Grande location. From left are Sonia Cortez, AAI children’s counselor; Holly Apache Junction, AZ 85120 participation and brining cheer Valdez, AAI youth advocate; Alice Wilcox, PCFCU president and CEO; Stephanie Cave, PCFCU business Fax: 480.671.9585 to children in our community. development representative; and Estella Villarreal, branch manager. Coolidge 1491 N. Arizona Boulevard Suite 101 Freeze Out High Payments Coolidge, AZ 85128 Fax: 520.723.2555 San Tan Valley With Aﬀordable Auto Financing from PCFCU 3125 W. Hunt Highway Suite 105 If you’re in the market for a new (or new to you) vehicle, now is the time to make your Queen Creek, AZ 85142 move. Rates are at historical lows and that means low payments for you! Plus, you can Fax: 480.358.4120 get pre-approved for your vehicle loan before you go to the dealership and enjoy the Maricopa bargaining power of a “cash” buyer! 44600 W. Smith Enke Road Suite 105 Apply for Your Pre-Approved Loan Today! Maricopa, AZ 85139 Fax: 520.423.9069 CLICK: www.PinalCountyFCU.com RATES AS LOW AS Telephone numbers for all branches: CALL: 520.381.3100 or 800.221.4179 VISIT: Apply in person at any branch location 3.49% APR!* 520.381.3100 800.221.4179 www.PinalCountyFCU.com Hablamos Español Time to Expand Your Business? Pinal County Federal Credit Union If you live, work, worship or attend school in Pinal County, we’re here to serve you! PCFCU Oﬀers Business Loans Cooperativa de Ahorros Federal del Did you know that as a small business owner you can enjoy the same friendly, personalized Condado de Pinal ¡Si usted vive, trabaja, service that you receive on your personal account? Pinal County FCU provides a full range of asiste a la escuela o es miembro business services, including nancing for all your business needs- equipment, vehicles, lines de una iglesia en el Condado Pinal, estamos aqui para servirle! 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. OUR MISSION: The Pinal County Federal Credit Union shall endeavor to meet the nancial needs of its members (who For more information, give us a call at 520.381.3137 or 800.221.4179 and ask to speak with are the rightful owners of the credit union) in a friendly and a Commercial Loan O cer, or visit our website at www.PinalCountyFCU.com and click on courteous manner, provide the highest dividends possible, grant loans on a fair and equal basis, provide nancial “Business Services,” then “Loans” to contact us via email. 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 Holiday Reminder your credit union of choice, with increased nancial strength providing exceptional member service through an expanded membership base and convenient locations. All branches will be closed on the following days: Just Look for The Swirl! Martin Luther King Day – President’s Day – Monday, We are your Shared Branching Monday, January 16, 2012 February 20, 2012 connection nationwide.
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