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					                     Premier
                     Services                                                      www.ps-cu.org
                                                                                                     April 2012
                        CREDIT UNION
VISA ScoreCard Points – how do I
earn them?
You earn Points any time you use
your	PSCU	VISA	Credit Card, except
at an ATM.
You earn Points any time you “sign”
for transaction with your PSCU
VISA	Debit Card, sorry ATM and
PIN	based	transactions	do	not	earn	
points.
Points = Merchandise or Airplane
Tickets. What have you earned that
is just waiting for you?
Call 1-800-854-0790 or go to this web
site	www.ScoreCardRewards.com	to	
check your points today                                                       BILL-PAYER is
                                                                              Free!
                                                                              Completely	free!		Some	places	lim-
                                                                              ited you to the number of free Bill-
                                                                              Pay Checks. Our Bill-Pay is free, it’s
                                                                              free. You can send money to a friend
                                                                              or family member if you know their
                                                                              email address.




Graduation &                            Home Equity
Graduation Gifts                        Loans                                 2012 Annual
are just around                         Home Equity Line of Credit            Meeting
the Corner                              (HELOC) Loans remain at the
                                                                              Our annual meeting was held on
                                        annual percentage rate of 4.00%
 •	 Visa	Gift	Cards	$10	to	$500         on April 30, 2012. These rates are    March 28, 2012. Because of the dead-
                                        indexed to the published Wall         line for printing this newsletter we
 •	 Car	Loan	Rates	are	low!			Buy	                                            are unable to report on our meeting.
    now!                                Street Journal prime rate, which is
                                        3.25% as of March 10, 2011.           We will include a report on our next
                                                                              newsletter or article.
                                       Premier Services Credit Union
Operational Hours                           DIVIDEND RATES                                           as of March 01, 2012
        Downtown Office and                 {Rate may change at any time. Rate expressed are “as of” date and
          Redwood Office:                   may have changed before this newsletter is delivered.}
                                            SHARES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.10%
Mondays              8:30 am to 5:30 pm     DRAFTS	(Checking. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.10%
Tuesday              8:30 am to 5:30 pm     MONEY	MARKET	SAVINGS
                                            	 $2,500 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.10%
Wednesday           10:00 am to 5:30 pm     	 $10,000 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.15%
Thursday             8:30 am to 5:30 pm     	 $50,000 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.25%
                                            IRA	SHARES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.20%
Friday	 	           		8:30	am	to	5:30	pm	   CERTIFICATE	RATES	–	Regular	or	IRA
                                              3-Month Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.10%
•	 24-Hour	FLEXTeller	(Web	Teller)	
                                              6-Month Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.10%
   www.ps-cu.org
                                              12-Month Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.10%
•	 24-Hour	Loan	Application	                  24-Month Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.25%
   Online www.ps-cu.org                       30-Month Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.40%
                                              36-Month Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.60%
•	 24-Hour	Audio	Teller	(Phone	               48-Month Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 0.80%
   Teller) 801-521-9612                       60-Month Certificate . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . APY 1.07%
                                            APY = Annual Percentage Yield. Accounts insured
•	 Shared	Branch	(CUSC)	locations	          by	the	NCUA,	an	agency	of	the	Federal	Government.
   are available at www.cuservice-
   center.com at participating credit
   unions:	Mountain	America;	
                                            LOAN RATES                                 as of March 01, 2012
                                            {Rate may change at any time. Rate expressed are “as of” date and
   Utah	First;	Deseret	First;	Cyprus;	      may have changed before this newsletter is delivered.}
   GoldenWest;	HeritageWest;	               NEW	&	USED	AUTOMOBILE	                                         RATE	                           TERM
   Weber	State;	and	Utah	Central.           New	&	Used	Auto	2012	to	2007
                                              3 Year               12 to 36 Months . . . . .2.80% (a) . . . . . . . 3 yr/36 mo loan
Call for details.
                                              4 Year               37 to 48 Months . . . . .2.80% (a) . . . . . . . 4 yr/48 mo loan
                                              5 Year               60 to 66 Months . . . . .2.90% (a) . . . . . . . 5 yr/66 mo loan
                                              6 Year               72 Months . . . . . . . . . .3.29% (a)(c). . . . . 6 yr/72 mo loan
                                              7 Year               84 Months . . . . . . . . . .4.29% (a)(d) . . . . 7 yr/84 mo loan
                                            Auto 2006 TO 1997
                                                   Years 2006 to 2002 . . . . . . . . . . . . . . . .6.99% (a) . . . . . . . 4 yr/48 mo loan
                                                   Years 2001 to 1997 . . . . . . . . . . . . . . . .7.77% (a) . . . . . . . 3 yr/36 mo loan
                                            RV	–	RECREATION	VEHICLE	–	New	and	Used	2012	to	2005
                                            	 RV	3	Year		          12	to	36	Months . . . . .3.99% (a) . . . . . . . 3 yr/36 mo loan
                                            	 RV	4	Year		          37	to	48	Months . . . . .4.99% (a) . . . . . . . 4 yr/48 mo loan
 Holidays                                   	 RV	5	Year		          60	to	66	Months . . . . .4.99% (a) . . . . . . . 5 yr/66 mo loan
                                            	 RV	6	Year		          72	Months . . . . . . . . . .5.24% (a) . . . . . . . 6 yr/72 mo loan
 Premier Services Credit Union will
                                            	 RV	7	Year		          84	Months . . . . . . . . . .6.30% (a) . . . . . . . 7 yr/84 mo loan
 be closed for upcoming Holidays:
                                            	 RV	10	Year	Special			120	Months . . . . . . . . .6.40% (a) . . . . . 10 yr/120 mo loan
   Wednesday, March 28, 2012                RV/Boat	–USED	2004	to	1997 . . . . . . . . . . . . . .7.44% (a) . . . . . . .12 to 60 mo loan
    2012 Annual Meeting                     Mortgage	–	Fixed	5~30	years . . . . . . . .{Call for Daily Rates}
     Offices close at 4:00 p.m.             Home Equity PLUS. . . . . . . . . . . . . . . . . . . . . . .4.00% (a)***. . . . . . . . . 10 to 15 yrs
     Meeting at 4:30 p.m.                   VISA	PLATINUM	CREDIT	CARD	(no	fee) . . . . . . 9.90% (a)(5) . . . . . .Open end
    Shared Branching Offices                VISA	PLATINUM	CREDIT	CARD	(no	fee) . . . . . 11.90% (a) . . . . . . . .Open end
     will be Open                                         (No	annual	fee;	no	cash	advance	fee;	25-day	grace	on	purchases)
   Monday, May 28, 2012                     Signature and Line of Credit. . . . . . . . . . . . . . . . 14% (a) . . . . . . . Closed or Open
    Memorial Day                            (a)	=	For	“A+”	credit	(700+);	“A”	credit	(699-670)	add	¼%;	“B”	credit	(669-640)	add	1%;	
                                            “C”	credit	(639-580)	is	a	flat	12%;		&	“	D”	credit	(579	&	lower)	is	a	flat	14%,	Credit	Score	based	
   Wednesday, July 4, 2012                  on	Fair	Isaac	Score	from	Experian.
    Independence Day                        (c)=	80%	Loan	to	Value	D(LTV)	+10%	dealer
                                            (d)=	75%	Loan	to	Value	(LTV)	+10%	dealer
   Tuesday, July 24, 2012                   ***=	Variable	rate	at	Prime	+0%	adjust	quarterly,	4%	min,	15%	max	=	HELOC	PLUS
     Utah’s Pioneer Day                     (5)	=	with	$5,000	Visa	Limit	and	above

				
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