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No Fee VISA Gift Cards

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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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