80 TH anniversary 80 years of helping you improve your financial life. consolidate & refinance LOWER your monthly bills Consolidate your credit cards. Refinance your vehicle loans. Consolidate high interest credit cards refinance vehicle loans from another into our lOw rate Platinum VIsa and financial institution and lower your save money monthly. Just ask us! monthy payments. Rates as low as Rates as low as 8.99% APR* 5.75% APR* & up to 60 month terms. dare to compare stop in and we can compare your current checking account against ours. Or go to pyramidcu.com and use our DARE to COMPARE chart to see why we’re better than a bank – for you and the community. pyramid c r e d i t u n i o n Improve your financial life! 1st quarter newsletter, January 2009 local, safe & sound. www.PyramidCU.com | 520.795.7950 | 1.800.947.9726 a word from our members FACING FORECLOSURE PYRAMId IS THERE FOR ME MORTGAGE REFINANCING “Facing foreclosure is the worst feeling we have “My Pyramid account was opened when I was “My wife and I recently refinanced and combined ever experienced. Our income had decreased, our 3 years old. Now, 23 years later, I haven't looked our 1st mortgage, which was a VA loan with a fixed bills were mounting, and creditors were calling. anywhere else for my financial needs. Pyramid rate, and our 2nd mortgage, which was a HELOC Thanks to Ray, Karen, Cheri, and the Pyramid staff provided my first car loan, credit card, HELOC and with a variable rate, into a single, conventional for approving a home loan for us, which saved our met all of my other financial needs. My daughter's mortgage loan with a fixed rate. I was very pleased home. They went ‘Above & Beyond the Call of Duty’ account represents the 4th generation of Pyramid with the level of service we received from the staff for us. Thanks to Pyramid, for keeping our American helping my family. I am proud to work at Pyramid at Pyramid as well as the processor at the title Dream alive.” and enjoy improving members' financial lives.” company. The entire process was as “smooth as glass” and Pyramid and Centennial Lending Kurt – Pyramid Member Jessica – Pyramid Employee and Member handled all the details; all we had to do was sign on the dotted line! We were still able to set up WHY I WOULd NEVER PYRAMId CARES bi-weekly payments, which not only fits our budget WORk AT A BANk ABOUT ITS MEMBERS style better, but it will actually allow us to pay off “A member came in and requested a loan for “I am writing this not as an employee of Pyramid our loan years ahead of schedule!” $300.00 to purchase a part for his car and groceries. Credit Union, but as a member. When I was having MSgt (Ret) James N. – Pyramid Member After seeing his credit report and his income, I financial difficulties after a family emergency, tell us. knew he was going to be denied. I felt horrible; I Pyramid worked to get me back on track. Not didn’t sleep at all that night. The next day one of because I was employed by them, but because they my co-workers went to our CEO to see if there was really do care about their members financial well anything we could do. Our very nice CEO took being. At the credit union members are like family. money out of a Pyramid Helping People account They care for us and we care for them. I would and deposited the money in our member’s account never bank at another financial institution because you could win so that he could buy groceries and the needed part I know no matter what happens Pyramid will a $50 gift card. for his car. Our member was so ecstatic he called always be there to back me up.” as Pyramid Credit union begins its 80th year, us “the heroes of his life.” It’s situations like this that Kristin – Pyramid Employee and Member we would like to know how Pyramid has helped makes me appreciate the Credit Union. I would you or your family. email us your testimonial & love to see [a major commercial bank] do that for be eligible for a chance to win a $50 gift card at: one of their members!” memberservice@PyramidCU.org Laura – Pyramid Employee and Member a word from the ceo Happy New Year! Wow, 2008 has been tough and 2009 may be even more Pyramid will have certified financial counselors at each difficult. This is the time to let Pyramid help you through these branch. If you find yourself in any financial difficulty, we tough times. If you want to save, we have some of the highest want you to come see us and let us assist you through these tough times. certificate rates in Tucson. If you want to invest, we have a financial planner looking out for your interests. If you want to Pyramid will continue to look out for our Members’ best interest in every product and service that we offer. borrow, we have some of the lowest rates in Tucson for homes, cars, and especially credit cards. Pyramid will continue to provide service beyond your expectations and products that are good for our members. Pyramid Credit Union was founded in 1929 and on November 18, 2008 we began our 80th year serving members. During this time If ever we don’t meet your needs or expectations, give us a call or we have loaned more than $300 million dollars to our members. send an e-mail to firstname.lastname@example.org We are here for you! Pyramid is still making loans today! Ray Lancaster During these tough economic times, Pyramid’s employees and CEO/President volunteers have committed to the following for 2009. Pyramid Credit Union Improve your financial life! 1st quarter newsletter, January 2009 80 TH anniversary 80 years of helping you improve your financial life. fRee checking dare to compare see how our free checking stacks up against the banks’ ‘free’ checking: www.PyramidCU.com • No monthly service fee • View and print cancelled checks online • No per check fee • Anytime, anywhere account access • free ATm card or Visa debit card from Phone teller • No minimum balance requirements • And mucH more, call or stop in & switch • interest paid monthly on balances* your checking today – we can even save • free overdraft protection options you money monthly by refinancing loans you have with other financial institutions. join today. *APR = Annual Percentage Rate. All rates subject to change. Pyramid CU offers an additional 0.25% vehicle loan call us: 520 .795.7950 apply online: www.pyramidcu.com discount for automatic payment. Certain restrictions may apply, please contact us for specific details. Membership email us: email@example.com required. 3/09 do something about rising interest rates: CONSOLIDATE. 8.99% transfer balances from your other high interest with rates as low as credit cards and save money monthly. ApR* pyramid platinum • no annual Fee • 24-hour access to your account • 25-day grace billing period • auto rental Insurance • nO-Fee cash advances liability Coverage pyramid c r e d i t u n i o n www.PyramidCU.com | 520.795.7950 | 1.800.947.9726 local, safe & sound. 80 TH anniversary 80 years of helping you improve your financial life. VISA or VISA debit transaction non-visa? To initiate a Visa debit transaction at the point of sale, the cardholder signs a receipt, provides a card number (e.g., in e-commerce or mail/telephone order environments) or swipes the card through a point-of-sale terminal. NON-VISA debit transaction Know the difference: To initiate a non-Visa debit transaction, the cardholder enters a PIN at the point-of-sale terminal or, for certain bill payment transactions, provides the account number for an e-commerce or mail/telephone order transaction Pyramid Credit Union enables non-Visa debit after clearly indicating a preference to route it as a non-Visa transaction. transaction processing and does not require A non-Visa debit transaction will not provide the zero liability that all such transactions be authenticated by a protection benefit, and may reduce your rights to dispute a transaction. PIN. A non-Visa debit transaction may occur on It is always best to sign for any VISA debit transaction. Provisions of the your Pyramid Credit Union debit card through cardholder agreement relating only to Visa transactions are inapplicable to non-Visa transactions. the CO-OP or Star networks. Here are examples to distinguish between a Visa debit and non-Visa debit transaction. SWAN OffICe ShARed BRANCh lOCAtOR use Online Bill Pay and 921 N. Swan Rd • 85711 520.795.7950 Call 800.919.CUSC to find locations or go online to www.cuswirl.com you could WIN $50: fax: 520.795.0494 Mon & Fri 9am-6pm text your address, intersection or zip to 692667. fee-fRee AtM S Tues, Wed, Thurs. 9am-5pm CoOp atMs: www.co-opnetwork.org Online Bill Pay is FREE. It’s convenient, it’s allpoint atMs: www.allpointnetwork.com ORACle OffICe simple - and now it gives you elegibility to win ross shopping Center CASH. Start today: 4491 N. Oracle Rd. • 85705 Phone Teller 520.321.0319 520.292.1198 Loan-by-Phone 520.321.0319 1. Sign up for our free online bill pay. fax: 520.292.1088 email: firstname.lastname@example.org 2. Pay a bill online. atM Mon & Fri 9am-6pm eTeller & BillPay: www.pyramidcu.com 3. Be automatically entered to win Tues, Wed, Thurs 9am-5pm our weekly drawing. mailing address: sat 9am-1pm PO Box 12100 Pyramid will give away $50 per week to lucky SPeedWAy OffICe tucson, AZ 85732-2100 members during the 1st quarter of 2009. All 7740 E. Speedway Blvd. • 85710 you have to do is pay a bill online. Contest 520.721.5099 IMPORtANt NOtICe fax: 520.296.4147 runs from 1/1/2009 through 3/31/2009 with a Drive-thru & atM fee SChedUle ChANGe drawing every Wednesday. See how easy it is Mon & Fri 9am-6pm NSf/OdP fees will be increasing Tues, Wed, Thurs 9am-5pm from $24 to $26 on April 1, 2009. to pay your bills online every month. Weekly sat 9am-1pm drawings will come from those who pay a SCHEdULEd bill during the previous week. New Bill Pay RItA RANCh OffICe CLOSINGS 8235 S. Houghton Rd. • 85747 enrollees will also be entered in a separate New Year’s Day monthly drawing for the contest period. 520.574.4415 January 1st fax: 520.664.0409 MLK, Jr. Day Drive-thru, atM, January 19th PrInteD On & safe Deposit Boxes President’s Day recycled PaPer Mon & Fri 9am-6pm Tues, Wed, Thurs 9am-5pm sat 9am-1pm February 16th Memorial Day May 25th local, safe & sound. www.PyramidCU.com | 520.795.7950 | 1.800.947.9726 at pyramid credit union community counts. From youth sport leagues to the rotary Club; scholarships to cancer research, Pyramid Credit union is proud to share our time and resources with community charities and organizations dedicated to bringing joy and support to all tucson residents. area YMCAs Toys for Tots Mundy-Curd scholarship 4 ScHOlARSHipS TO pyRAmid mEmBERS Susan G. Komen Foundation mATcHiNg EmplOyEE dONATiONS PTSA donation cASH dONATiONS TO Six pTSA gROupS iN VAil diSTRicT Cienega Rotary Club Rincon Little League Empire Athletic Boosters fOuR ScHOlARSHipS TO gRAduATiNg STudENT ATHlETES Vail Education Foundation Sahuarita Cheer Vail Vikings Sabino Vista Soccer Vail Pride Day AZ Diaper Bank InternatIOnal CreDIt unIOn week DIaPer DrIVe Community Food Bank Children’s Miracle Network Arizona Employer Support of the Reserve 4 plan tomorrow TODAY. Log in for convenient financial planning. Pyramid Credit Union is introducing an online financial planning tool to help you reach your financial goals. In a financial environment that can be very complex and unpredictable, this tool, called Plan 4 Tomorrow, simplifies the process of comprehensive financial planning and helps you organize your personal finances with a focus on goal achievement. A Road Map for Your Money? Most people want to manage their debt and spending better. • Are you concerned about being able to retire when you want to, with enough money to maintain your lifestyle? • If you have children, you may be wondering how you are going to help pay for their college. • Today’s volatile stock market makes wise investment decisions now more important than ever. • Do you have contingency plans that efficiently use insurance and estate planning documents (wills and trusts) to protect and secure the future of loved ones who depend on you? Comprehensive, Individualized and Personal Help Your personalized, comprehensive financial plan includes an analysis of net worth, retirement, college savings, investments, insurance, spending, debt, credit, and estate planning. In addition, it discusses the use of trusted advisors (Planners, Accountants, Attorneys, etc.), and it provides an action-step checklist for easy implementation. How to Get Started It is now easier than ever to take control of your financial future. Just visit www.pyramidcu.com and click on the financial planning link. Plan your future in the comfort of your home or wherever you have internet access — when you want and where you want. And while this comprehensive tool can help you create a detailed financial plan, for those members who prefer the assistance of a professional planner Pyramid Credit Union provides you with access to one-on-one in-person guidance from a Financial Professional for one year by phone, e-mail, or in person. Just call Shelly Fishman at 795-7950 for individual assistance. No Excuse Planning Planning is a lifetime process: the secret to building wealth is not in earning a large salary or receiving a windfall - rather, it is in executing a lifetime plan and being in control. To start the year off right, Pyramid Credit Union is offering you a $100.00 discount. Simply enter promotion code XX100 to receive your discount. Your best years can be ahead of you. Start today!
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