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SERVING THE COMMUNITY IN LEHIGH AND NORTHAMPTON COUNTIES 2 0 1 1
Add some new
2
In The Community
Spring color!
With a Home Equity Loan
or Line of Credit!
Fund Raising Events
Yo u C ou ld Ev en W in
Recognized by the White House Yo ur Fi rs t M on th ly Lo
an P ay m en t! †
UPCOMING SEMINARS: Home Improvement • Co
nsolidate Debt • College
Tuition • Wedding Expens
Mortgages es
Personal Finances for Variable Rate Line of Cred
College Students it
BALANCE
Re-establishing Credit
Who’s Who in Business
2011 Award
3.99 Fixed Rate Loan
% APR1
R AT E S A S L O W A S
3
Child ID Program
3.99%
FOR 36 MONTHS
• No Points • No Closing
APR2
Don’t Be a Victim of Fraud… Costs
• No Application Fee • Ta
APPLY ONLINE at www.pe x Deductible Interest3
Saving for Retirement oplefirstcu.org or call our
Can Be Easy 24-Hour Loan Center at 1-
*APR = Annual Percentage Rate 1
877-531-5126.
lished in the Wall Street Journal. The Home Equity Line of Credit loan has a variable APR of
Shopping for a Mortgage? rate loan has an APR as low ason the last business day of the month plus a .5% Margin roun 3.99% that is accurate as of March 1, 2011 and is subject to
applicant credit. Actual rates may 3.99% for 36 months which is the lowest rate offered for ded up to the nearest 0.25%. The minimum APR for this loan change monthly. The APR is based on the Prime Rate as pub-
Check in with People First does not include taxes and insur vary. The quoted rate is for a Home Equity loan with an 80%this product. This rate is accurate as of March 4, 2011 and is 3.99% and the maximum APR is 18%. 2 The Home Equity fixed
insurance may be required. An ance, so actual payment may be greater if secured by a or less loan-to-value ratio. When you borrow $5,000.00 for 36 is subject to change. Rates are based upon the evaluation
first mont
member who finances $1,000.00appraisal fee may be charged ranging from $75.00 to $425.00. lien. Loans are on 1-4 unit family, owner occupied resid hs at 3.99% your monthly payment will be $147.60. Payment of
Win an IronPigs Birthday Bash exceed $500.00. The winner will or more in new money for a home equity loan between Marc tional loan rates and terms are available at www.peopences in Pennsylvania. Property insurance is required. Flood
Addi
be responsible for any applicable h 15 and May 31, 2011 will have lefirstcu.org. 3 Consult a Tax Advis †
at Coca Cola Park in 2011 purchase necessary. For a mem taxes or other expenses relat their name entered into a draw or. Special Promotion: Any
18103. Only one post card entry ber to enter with no obligation, print your name, address and teleped to the prize. There will be one home equity winner draw ing to win a monthly loan payment in an amount not
per household per month permitted. hone n on to
Entries must be received by close number on a 3 X 5 card and mail it to the Member Service May 16 and one drawn on June 15, 2011. No
of business on May 31, 2011. Empl Center, 2141
oyees and officials of People First Downyflake Lane, Allentown, PA
E Q U A L O P P O R T U will be excluded from the drawing.
4
N I T Y L E N D E R
Feeling ?You could win a beautiful
Join the Green Side…
You could win an Apple iPad®! Lucky Vacation Package…
In Celebration of 60 years of member service,
we are giving away $600.00 in cash plus a trip for two
Mark Your Calendar valued up to $6000.00 which pays for air fare and hotel
accommodations. The winner will choose from one of the
Mortgage Seminar following destinations: Fiesta & Siesta in Mexico, Rocky
April 27, 2011 Mountain Ski Adventure or Discover Atlantis*. There is
no purchase necessary to win. The winner, who will be
randomly selected on April 4, 2011, must be 21 years of
Child ID Program age or older and a member in good standing with People
May 12, 2011 First FCU. Employees and officials of People First FCU, as
well as all business and non-personal accounts will be
Personal Finances for excluded for this drawing.
College Students Seminar The trip must be redeemed by March 1, 2012. Some restrictions will apply.
May 18, 2011 The winner will be responsible for all applicable federal, state and local taxes.
*The trip was awarded to People First FCU by one of our media partners.
C
IN THE
ommunity…
Christmas Giving Program 2010
Our Board of Directors and
employees made Christmas a
special one for many adults and
children through LVACT and
M E M B E R E D U C AT I O N
Lehigh County Early Intervention.
Re-establishing Credit
If you have a low credit score because of past
problems, it may feel like it will haunt you forever. Most
negative information, however, is removed from your
credit report and score after seven years. Fortunately,
positive information can remain on your credit
report indefinitely.
We were proud to present Camelot for Children, Inc. A review of your credit report is the best starting point to
a check for $1,262.50 from the sale of 2011 Entertainment Books. re-establishing good credit. You cannot remove timely and
accurate negative information, but you can correct mistakes. It is
Our food collection for the Second Harvest Food Bank was very important to request that any inaccuracies be removed from your
successful this year. We were able to deliver 1,410 pounds of food report, as these errors can lower your credit score, making credit
for the holidays. Thanks again for helping your neighbors in need more difficult to obtain and expensive to use.
during the 2010 holiday season. If you have negative information on your report:
In late 2010, People First was recognized by the White House Catch up delinquent accounts – making timely payments going
through the President’s Council on Service and Civic Participation forward will improve your credit standing.
for our staff’s volunteer efforts at Mayfair Festival of the Arts. Pay collection accounts – request payment arrangements for
balances you can’t afford to pay in full.
An option for many people seeking to establish new credit is a
UPCOMING secured credit card. Some financial institutions will issue you a
Seminars:
credit card if you put a specified dollar amount on deposit with
them. These funds are held as security, and a credit card is issued
with a line of credit equal to the amount you have on deposit. If you
make payments as agreed for an agreed-upon time, the creditor
may release the funds and issue an unsecured card.
Another option is asking a friend or family member who has a
good credit history to cosign for you. Be especially careful with
Home Buying When: Wednesday, April 27, 2011
6:00 – 8:00 PM these arrangements – any late payments you make will not only
reflect poorly on your credit report, but your cosigner’s as well.
This is your chance to meet
Where: Devonshire Office, After six months to a year, reapply for credit on your own.
the Mortgage Experts from
2141 Downyflake Lane People First wants to help you master your money. We’ve
First Heritage Financial.
Allentown, PA partnered with BALANCE, a financial education and counseling
Find out how our program
service that can help you get your finances in order – all at no
can save you money. Talk to RSVP: Save your seat, by calling
charge to you.
the people you can trust. 610-797-7440, ext. 768 Call 1-888-456-2227 or log on to www.balancepro.net for more
information.
Personal Finances for College Students
When: Wednesday,
May 18, 2011
6:00 – 8:00 PM Who’s Who in
Where: Devonshire Office
2141 Downyflake Lane
Business 2011
Allentown, PA We are proud to have been
selected as the most recognized
RSVP: Save your seat, by calling
610-797-7440, ext. 768 Credit Union for the tenth straight
year in the annual Who’s Who in Business survey. The Who’s Who
This informative workshop provides the tools and information young in Business program recognizes local, well respected businesses
adults need to begin their financial life on the right track. Participants for developing a strong, memorable relationship with their
will learn how to obtain and use credit wisely, create a positive credit customers. On behalf of our Board of Directors, management and
history and score, develop a budget, track spending, know their staff, we thank you for your continued support and loyalty.
student loan repayment options, and save effectively for the most
common upcoming expenses.
2
Have your Child Saving for Retirement
can be easy.
ID’d for Free! It is never too early or too late to plan
and save for retirement. The closer you
The Lehigh Valley Community get to retirement, the tougher it becomes.
Resource Center (LVCRC), located in With the hectic lives people live today, an
Allentown, PA, offers a regional easy, less time-consuming retirement
“Child ID Program”, available at no investment is what you need. The solution
cost to families in the Lehigh Valley. is an Individual Retirement Account (IRA).
LVCRC uses advanced digital tech- Make your IRA habit-forming. We’ll help
nology to capture and store high you get your retirement plan off to the right
quality fingerprints, a voice print, a start and make contributing to an IRA Share
photo and a physical description. Account easy with an automatic transfer. Once
As a sponsor, People First shares in the commitment to the safety the account balance reaches $500.00 you can
of our youth in our com- transfer the balance to an IRA Share Certificate
and lock in your rate for terms up to five years.
Lehigh Valley munity and will be host-
Child ID Program ing a site for the Child ID
Program on May 12. The
When: Thursday, May 12, 2011 child’s information will be
FREE val
Time: 3:00-6:30 PM saved in a PDF format on
Where: People First FCU a CD. The parent will
ro
Pre-App
Devonshire Office receive the CD, as well
2141 Downyflake Lane as a printed Child ID
!
Allentown, PA Form with a complete
description of their child.
Low Fees
B E P R E PA R E D I N C A S E O F A N E M E R G E N C Y …
Millions of People have been Victims When Shopping for First Time Home Buyers
of Fraud and Scams. Don’t let it happen to you! a Mortgage, Check
Fixed-Rate and Adjustable-Rate
Remodeling
Just a few minutes of your time can make the difference.
Construction/Permanent
Go to www.peoplefirstcu.org and click on Education Center for
information on these topics: in with People First Refinance
Identity Theft Protection – learn how to prevent this Prices of homes are down and rates are low. If you’ve been in the
from happening to you market to buy or refinance, make an appointment with one of our
Scams & Fraud – don’t lose your life savings mortgage specialists. We will walk you through every step of the
Computer Security Tips – protect yourself from viruses and worms process – from application to closing and we’ll put you in the
mortgage that is best for you. Call 610-797-7440 or 1-800-446-5598 to
make an appointment or apply online at www.peoplefirstcu.org.
Win an IronPigs Birthday Bash HOME BUYING SEMINAR: APRIL 27, 2011 see details on page 2.
at Coca Cola Park in 2011 Happy BirthdayTo You…
s: People First has teamed up once again with the Lehigh Valley IronPigs and will be a proud
on also receive
The birthday pers presenter of all IronPigs Birthday Parties. The “IronPigs Birthday Bash” includes 10 field level
uring a
cognition d seats or 10 Capital BlueCross Lawn tickets, a hot dog, bag of
• Scoreboard re chips, small soda, dessert item and an IronPigs pennant for
specific inning each party guest.
ed baseball
• An autograph e sung to As an added bonus for People First members, the
• “Happy Birthday” will b ile they IronPigs will raffle off a FREE birthday party for one
s fans wh
them by IronPig the dugout! lucky member every month (April-August) during the
are perched atop 2011 season. Each month’s drawing will be for a
• A People Fi rst gift party to be celebrated the following month. Stop in
at any People First branch and enter to win. The
first drawing will be held on March 31 at the Nazareth Branch for a
birthday party in April. One of the IronPigs Mascots will be on hand each month to select a winner.
Visit our website for more information regarding when and where the raffle drawing will be held.
If you are not one of the lucky winners in the drawing and would still like to celebrate a birthday party
at Coca-Cola Park, call the IronPigs Group Sales office and mention the bonus code “PFFCU” when booking
your bash and as an added bonus you will receive a $10 Gift Card on the night of the party. The gift card can
be used anywhere in the park, including the Majestic Clubhouse Store and all concession stands. This special
code is valid for People First members only. To set up your party call Andrea Meitzler at 610-841-PIGS.
3
O F F I C E L O C AT I O N S HOURS & NUMBERS
BETHLEHEM OFFICE OFFICE HOURS
1530 Eighth Avenue, Monday-Wednesday: 9:00 AM to 5:15 PM
Bethlehem, PA 18018 Thursday-Friday: 9:00 AM to 7:00 PM
DEVONSHIRE OFFICE MAIN NUMBER
2141 Downyflake Lane, 610-797-7440 or Toll Free 1-800-446-5598
Allentown, PA 18103
DIRECT EXTENSIONS
NAZARETH OFFICE Member Service Center: Ext. 3
4066 Jandy Boulevard,
Nazareth, PA 18064
TREXLERTOWN OFFICE
Loan & Savings Rates: Ext. 4
Report a lost or stolen
Visa Debit /ATM Card
Web site
Trexler Mall, 6900 Hamilton Boulevard, During office hours: Ext. 32 www.peoplefirstcu.org
PO Box 756 Trexlertown, PA 18087 After hours: Call 1-800-754-4128 Information Content: Product and Service Information, Deposit
WHITEHALL OFFICE VISA CREDIT CARD INFORMATION
3682 Crescent Court East, Balance Inquiries: 1-800-237-6211
& Loan Rates, Loan Applications and Payment Calculators
Whitehall, PA 18052 Report a lost or stolen card:
SACRED HEART HOSPITAL 1-800-325-3678
Medical Office Building, APPLY FOR A LOAN BOARD OF DIRECTORS: Gary M. Haas
451 Chew St., Suite 204, Dale O. Pickering Assistant Treasurer
24-Hour Loan Center: 1-877-531-5126
Allentown, PA 18103 Online: www.peoplefirstcu.org Chairman Robert W. Nolter
= Drive-up ATM Loan appointment: Martin P. Ritter Secretary
Federally insured by
= Night Depository Call Main Number: Ext. 21 Vice-Chairman Frederick A. Molchany
= Safe Deposit Boxes Emrich M. Stellar Joseph J. Preisler the National Credit
BANK ROUTING NUMBER
= Walkup ATM & Teller Service 2313 7911 5 Treasurer Board Members Union Administration.
Join the Green Side…
Enrollment in PC Access, our
online banking service, is required
for eStatements and eNotices.
You could be the lucky winner of an Apple iPad® To apply for PC Access, print out an application
when you sign up for eStatements and/or eNotices! online at www.peoplefirstcu.org, pick one up at
a branch or call our Member Service Center at
eStatements
Less Paper equals more benefits 610-797-7440 to have an application mailed to you.
• View your statement online 24/7
**Members who sign up to receive eStatements and/or eNotices now through
• Print your statement as needed Sign up May 31, 2011 will be automatically entered into a drawing. One entry is permitted
• No paper statement to organize
to be en today per member account number for eStatements. One entry is granted for each
• Never misplace a statement again t
chance ered for a
eNotice that is enrolled. The winner of the Apple iPad® (with an estimated value
of $499.00) will be randomly selected on or about June 1, 2011. The winner will
eNotices to n be responsible for any applicable taxes or other expenses related to the prize.
We will notify you when certain events Apple iP wi®* an A natural person account at People First FCU is required to qualify for the
drawing. Non-natural person accounts (businesses or organizations) as well as
occur on your account ad * employees and officials of People First will be excluded from the drawing. No
purchase necessary. For a member to enter with no obligation, print your name,
• Payroll deposits orACH credits and debits address and telephone number on a 3 X 5 card and mail it to the Member
• Loan Payment Reminders Service Center, 2141 Downyflake Lane, Allentown, PA 18103. Only one post
• Share Certificate renewals, maturities, and redemptions card entry per member permitted. Entries must be received by
• Insufficient funds in your checking account close of business on May 31, 2011.
C R E D I T C A R D H O L D E R S C A N N O W S I G N U P T O R E C E I V E E L E C T R O N I C S TAT E M E N T S AT E Z C A R D I N F O . C O M
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