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					                                           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 rayl@pyramidcu.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: memberservice@pyramidcu.org                      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: memberservice@pyramidcu.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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