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AUTO LOAN PROMOTION

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P.2 REFER A FRIEND $100 PROMOTION

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GE 6: Get free food, door prizes & a chance to win an iPad and $500 in cash prizes at our 8/1/19 Member Appreciation event

Now, your PECU membership can earn you great cash rewards from Sprint. It’s called the Sprint Credit Union Member Cash Rewards Program. Because you’re a PECU member, you can get $100 cash for every new line. This offer let’s you take care of the whole family and earn a $100 cash reward for every line you activate, up to 15 lines. Sprint also offers additional cash incentive programs to switch from other cell phone providers. Plus, receive $100 each year in loyalty rewards from Sprint. Already a Sprint customer? There’s a reward and special savings available for you, too. Earn a $100 Annual Loyalty Cash Reward and 25% off select accessories in Sprint stores. Get started by clicking the yellow Sprint banner at the bottom of the PECU homepage, or click lovemycreditunion.org/Sprintrewards. You can enter to win one of three $50,000 prizes Sprint is giving away. No purchase necessary. Enjoy the credit union difference!

PECU Partnership: Get a $100 Cash Reward Per New Line From Sprint!

A lot of big banks offer you a song and dance about a credit card with a cash reward. Before long, however, the clock strikes midnight and the song turns into sour notes that cost you a lot of money. Interest rates are important. WalletHub says the average credit card interest rate is 19.24%. NerdWallet says the average U.S. household with credit debt has $6,741 in monthly balances carried forward. Let’s do the math. If you have the average interest rate of 19.24% APR and the average revolving debt of $6,741, you will spend $1,296 on credit card interest payments each year. That’s more than $100 per month. Don’t settle for average. PECU’s MasterCard saves you lots of money. It has an APR as low as 7.99% that will save you $758 a year compared to the average 19.24% APR. Plus, there’s more savings because there’s no annual fee, no balance transfer fee, and no cash advance fee. Click, call, or come by to apply for a PECU MasterCard. We know the sweet sound of saving money will be music to your ears.

You don’t have to be a music fan to enjoy hearing about saving money.

FILL OUT THIS INFO TO REFER A FRIEND. You & YOUR FRIEND CAN SPLIT $100!

QUESTIONS?

GET $50 FOR YOU, PLUS $50 FOR YOUR FRIEND!

CURRENT PECU MEMBER

Here’s an opportunity for you to refer a friend and receive $50 for each new PECU member you refer. Your friend needs to open a new PECU savings account & any PECU checking account*

Current Member NameStreet AddressCity, State, Zip CodeE-mailPhone

*Your $50 will be deposited to your PECU checking account when your friend opens a PECU savings account & PECU checking account and meets the promotional requirements. Program, terms & conditions subject to change at any time at PECU’s sole discretion.

_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

512-474-1955

pecutx.org

Please fill out top half and then give it to your friend to fill out bottom half.

NEW PECU MEMBER

Earn $50 for you, plus $50 for the friend who referred you* You must fill out this form completely and then do the following: 1) Open a PECU savings account & make one deposit of $50 or more within 60 days of account opening 2) Open any PECU check-ing account & complete five (5) signature-based debit card transactions of at least $10 each within 60 days of account opening.

New Member NameStreet AddressCity, State, Zip CodeE-mailPhone

*PECU membership required. $50 will be deposited to your PECU checking account. New accounts screened through ChexSystems. Must be 18. $5 minimum opening deposit required for member savings account. $5 minimum deposit required for member checking account. Promotional deposit will occur within 60 days of meeting requirements. Promotional deposit will be deducted if checking account is closed less than 180 days after open-ing account. Promotion not valid for existing PECU members. Program, terms & conditions subject to change at any time at PECU’s sole discretion.

_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

512-474-1955pecutx.orgWelcome to PECU! Please fill out bottom part and then give it to PECU.

FOR PECU USE DATE: CODE 04 ADDED:OPENED BY:

__________

____

PECU offers a wide range of savings through TruStage on many insurance types including auto, life, home insurance, long-term care and AD&D. TruStage is the brand for the insurance products made available through CUNA Mutual Group, including the CMFG Life Insurance Company. CMFG Life has worked with credit unions for 75+ years. Many PECU members report they saved money with TruStage. Click the yellow “Members Only” TruStage logo from our homepage to get started. You can receive free quotes. Don’t forget, your PECU membership qualifies you for $2,000 of AD&D coverage at no cost. Get yours today.

Your PECU membership can help you save money on your insurance!

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QUESTIONS?

GET $50 FOR YOU, PLUS $50 FOR YOUR FRIEND!

512-474-1955

pecutx.org

512-474-1955pecutx.org

All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks model year 2014 and newer are eligible. Up to $300 deposited in share account. Standard underwriting guidelines apply.

conditions subject to change. Contact PECU if you have questions.Vehicles currently financed at PECU not eligible. Rates, terms &

800-772-1955

Loan Amount Incentive$10,000 - $19,999 $100$20,000 - $29,999 $150$30,000 - $39,999 $200$40,000 - $49,999 $250

$50,000+ $300

SEND YOUR CAR PAYMENT ON A SUMMER VACATION!

www.pecutx.org

More summer fun. Less payments. Sound good? PECU is here to help. All you need to do is refi-nance your non-PECU auto loan with us. We’ll give you 90 days without payments, plus up to $300 cash! We’ll also give you a great rate, pay your title transfer fee, and lower your payment. What would you do with all of the extra money you’ll have when you take advantage of this promotion? Send your car payment on a summer vacation. Apply online, or drop by any PECU lobby branch.

MAIN OFFICE306 East 10th StreetP.O. Box 2205Austin, Texas 78768-2205Phone: 512-474-1955Fax: 512-474-2731E-mail: member@pecutx.orgLobby Hours:Monday thru Friday 9 am - 5 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmCENTRAL OFFICE1200 West 42nd StreetAustin, Texas 78756Lobby Hours:Monday thru Friday 9 am - 6 pmSaturday 9 am - 1 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pm

WALNUT CREEK OFFICE8013 Centre Park DriveAustin, Texas 78754Lobby Hours:Monday thru Friday 9 am - 6 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmOAK HILL OFFICE5838 Highway 290 WestAustin, Texas 78735Drive-Up Facility OnlyDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmROUND ROCK OFFICE15800 RM 620 North(Near intersection of 620 N & Cornerwood)Austin, Texas 78717Lobby Hours:Monday thru Friday 9 am - 6 pmSaturday 9 am - 1 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pm

BEAUMONT OFFICE4215 Eastex FreewayBeaumont, Texas 77706Phone: 409-892-3171Fax: 409-892-7763 Lobby Hours: Monday thru Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-up Hours: Monday thru Friday 8 am - 6 pm

BRANCHES & HOURS

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Saturday 9 am - 12 pm

Upon request, members are entitled to review or receive a copy of the following credit union documents: Balance Sheet & Income Statement; summary of the most recent audit; written Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and Board policies; Internal Revenue Service Form 990. If you have questions, please contact PECU Financial Services at 512-474-1955 in Central Texas, or toll free 800-772-1955.

LEARN MORE ABOUT PECUThis time of year we attend benefit fairs. As we discuss PECU, people sometimes say, “I didn’t realize PECU offered that service.” We’d like to offer this new feature called “Learn More About PECU.” It’s a great opportunity for us to address frequently asked questions. This time, we’d like to talk about electronic services.

QUESTION: DOES PECU OFFER ELECTRONIC SERVICES SIMILAR TO BIG BANKS?

ANSWER: YES! WE HAVE A FULL SUITE OF THE LATEST ELECTRONIC SERVICES. ALL OF THEM ARE FREE. LET’S TAKE A DEEP DIVE INTO EVERYTHING AVAILABLE TO YOU:

• WEBSITE: PECU has a full-service website with robust features located at www.pecutx.org. Tell friends and family they can join PECU online. Use the website to learn about PECU, download our Mobile App, access Home Banking, find ATMs, read the newsletter, see rates, find locations, apply online for loans, browse the latest promotions, and read PECU news.

• HOME BANKING: Our 24/7 eBranch is highly customizable. It gives you real-time access to PECU. You can electronically check balances, pay bills, see rates, request eAlerts, set recurring transactions, and transfer funds. Here are some other things you can do electronically that you may not realize:

• Sign up for eStatements & Access eStatements

• View IRS forms through eStatements

• Access YTD information

• Change your address

• Do Third Party Transfers through eBill Pay

• Member to Member Transfers

• External Transfers to or from another financial institution, including direct PECU loan payments

• Secure messaging to PECU

• Consolidate multiple accounts into one login

• Re-order checks & place Stop Payments on checks

• Request a check withdrawal from your account

• MOBILE APP: Our free PECU Mobile App is available in Apple and Android versions. You can download the app from our website, or from Google Play and the Apple App Store. It’s like having a PECU branch in the palm of your hand. Home Banking and the Mobile App are identical in appearance and functionality with the exception that the Mobile App has the added eDeposit feature. With eDeposit, you can make deposits with your camera phone. This saves you time and gas money.

• CONNECTIVITY: PECU is electronically connected to more than 5,000 global credit union branches where you can make shared branch transactions. Please know your account number and bring your ID.

• TOTALLY FREE ATMs: You won’t see banks doing this, but we’ve partnered with more than a dozen other Central Texas credit unions to offer the Austin ATM Alliance. This gives you access to more than 360 totally free ATM options. You can use the PECU Mobile App and the PECU website to find locations.

• SECURITY: Your funds are safe and secure at PECU. PECU works diligently to shield its members from threats in the ever-changing cybersecurity universe. PECU has deployed the latest encryption technology and works closely with the National Credit Union Administration (NCUA) to monitor security techniques, practices, and developments. The NCUA places cybersecurity as a top focus for credit unions.

“Home Banking and the Mobile App are identical in appearance and functionality with the exception that the Mobile App has the added eDeposit feature.”

Dream Vacations Made Easy...

www.pecutx.org 800-772-1955

Get up to $300 bonus cash on a PECU Home Equity Loan!

You worked hard building equity in your home. Now, put yourself in this picture enjoying a cool breeze and the clearest water you’ve ever seen. PECU helps you make it happen with a Home Equity Loan. What do you dream of doing? PECU members just like you use Home Equity Loans for a variety of things such as boats, dream vacations, weddings, RVs, home offices, bill consolidation, college, and more. Rates are great. Plus, PECU will give you up to $300 bonus cash. Click, call, or come by to apply. Questions? Call us at 800-772-1955.

Loan Amount Incentive$7,500-$24,999 $100

$25,000-$49,999 $200$50,000-$74,999 $250

$75,000+ $300

• Low fixed rate• Borrow up to 80% LTV• Loan amounts from $7,500 to

$500,000• No standard closing cost on loans

less than $100,000• One set monthly payment to fit

your budget• No application fee• No origination fee• No processing fee• No hidden costs• Generous terms up to 20 years• No pre-payment fee

All loans must be closed by 10/15/19. All loans subject to credit approval. $7,500 minimum loan amount. Up to $300 deposited in share account. Loans must be closed to receive incentive. Standard underwriting guidelines apply. To qualify for the Home Equity cash incentive and the no-closing-cost feature, all loans must be new loans or a refinance from another financial institution. Loans currently financed with PECU are not eligible for the cash incentive or the no-closing-cost feature. Rates, terms, and conditions subject to change. Contact PECU if you have questions.

MONTH AT OUR ROUND ROCK BRANCH AUGUST IS MEMBER APPRECIATION

www.pecutx.org

All during August, PECU will pay for the first purchase you make (up to $50) on your new PECU MasterCard. Get a new card, then get gas, groceries or other items on us! Must apply for new card at our Round Rock branch. See website or contact PECU for details.

All during August, we’ll waive the new member fee and put the first $5 in any new kids or teen account you open for your child or grandchild at our Round Rock branch.

Special Event: THURSDAY AUGUST 1

• Great Door Prizes

• Auto Loan Promotion* • iPad Giveaway

• $500 in total cash prizes

ADDRESS: 15800 RM 620 NORTH (78717)

Promotions Available In Round Rock All During August

• Free Food

iPad GIVEAWAY

$500GIVEAWAY

*Based on your good credit, take .50% off the current PECU auto loan rates on 8/1/19. Rates, terms, and conditions subject to change. Contact PECU to verify your promotional rate.

Refer A Friend to join PECU. You and your friend can split $100! Fill out the form located on Page Two of this newsletter to get started. There is no limit to how much money you can earn by referring lots of friends to join PECU! See website or contact PECU for details.

$100

Theresa Vijarro won an iPad at our last event!