200 W. 20th Street, P.O. Box 969
Jennifer Nathaniel, Manager
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*
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
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.
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.
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
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 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.
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
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.”
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.
1491 N. Arizona Boulevard
Freeze Out High Payments
Coolidge, AZ 85128
San Tan Valley
With Aﬀordable Auto Financing from PCFCU 3125 W. Hunt Highway
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
Apply for Your Pre-Approved Loan Today! Maricopa, AZ 85139
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
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.