Contact Us. Call for. account information online help loans by phone. pyramid. Use our Contact Center 9am 5pm M-Th, 9am 6pm F

Transcription

1 Contact Us Use our Contact Center 9am 5pm M-Th, 9am 6pm F Call for account information online help loans by phone Improve your financial life!

2 Improve your financial life! FEDERAL CREDIT UNION 2016 is here and if you re like most people, you ve made a few New Year s resolutions. Maybe you want to spend more time with friends and family or travel. Or maybe you just want to get a little more organized. Those resolutions are easy to keep. But if you ve resolved to start saving more money or want to get your finances in shape in 2016, you re probably feeling a little overwhelmed. Where do you start? Who can you talk to? Is it even possible? Yes it is! And Pyramid Federal Credit Union is here to help. We have products and services that are designed to help you save money and put you in control of your finances. Here are just a few of things Pyramid FCU can help you check off your resolution list: Refinance your mortgage If you haven t refinanced your mortgage in the last few years, your interest rate might be too high. A Pyramid FCU Fastrack mortgage can lower your rate and save you thousands in interest. And with a shorter term you could have your home paid off before you retire or the college tuition bills start stacking up. Consolidate your credit cards The average credit rate is almost 15% and if you re paying just the minimum monthly payment it will take you years to pay off those balances. Consolidate your credit cards into one low payment and payoff your balances fast with a Pyramid FCU consolidation loan. Know your credit score Have you checked you re credit score lately? Free score services use their own scoring models to estimate your true credit score but that s not what lenders use. Stop by a branch and ask one of our member service representatives to go over your credit report with you. We ll tell you your score, show you your credit report and tell you how you could improve your score and maybe save some money too. Taking a hard look at your finances can be a scary and intimidating process. If you ve decided that 2016 will be the year you take control of your money, stop by or give us a call. Our Member Service Representatives are here to help, regardless of your situation. Make this year the year you improve your financial life with Pyramid Federal Credit Union.

3 PRESID E NT S REPORT Well, another year has come to a close and another New Year is starting. I would encourage everyone to look back over the past year and think about Am I saving for retirement? Am I better off financially? Am I meeting my financial goals? Am I getting the answers to my financial questions? As an owner of Pyramid FCU, you have access to everyone at the credit union. Looking for financial planning? We have someone to help you with that. Looking for a quick loan decision or to lower your loan rates? We have someone to help you with that. Looking for something else? Just ask because we probably have someone to help you with that as well. During the last year, Pyramid FCU has made more loans to our members than any other year of our existence. Loan rates are still low and refinancing your loan to a lower interest rate is an easy way to put more money in your pocket. When buying that new or used car, or even after you have bought your vehicle, be sure to check with us to find out if we can offer you a lower rate. Since Pyramid FCU is owned by our members, we would like to have more of your business. For some members, we are their only financial institution. For others, we are the savings account that was opened for them as a child by their parents. During the next year, we will be asking for more of your business and I am hopeful that you will consider bringing it back to us. On November 29th, we celebrated our 86th year of helping our members. Since 1929, we have made more than $500 million in loans to our members helping them buy autos, buy their first home and even buy a second home. Each of those loans helped a member realize a dream which improved their life and sometimes the lives of their family. The staff at Pyramid FCU works hard to bring you value in your banking relationship with us. We are here for you! If we ever fall short of meeting your needs, I would hope that you would personally let me know. Feel free to me with any questions or concerns at rayl@fcu.org. If you visit our Speedway office, feel free to stop by and say hello. Here s hoping for a wonderful New Year for each of our members! Happy New Year Ray Lancaster CEO/President Pyramid Federal Credit Union

4 ANNUAL MEETING SATURDAY APRIL 30TH 2016 There is one opening on the Board of Directors The Board of Directors and other committees are made up of members volunteering their time (nonpaid). Unlike a bank, at your credit union, you, the members, are the owners. You are represented through the board, which is made up of members elected by you before the annual member meeting. These roles are impactful in the community! No particular experience is required. The board and supervisory committee are very diverse, and training is provided. Please consider whether you would like to participate in the governance of your credit union. If you are interested in being developed for a future position, please contact Ray Lancaster (number below). The following member has already been nominated! If any other member is interested in running for the vacant Board of Directors position, they must complete a petition signed by at least 153 members in good standing of Pyramid FCU. These petitions are available by contacting Ray Lancaster at The petitions must be turned in no later than February 12, 2016 at 7740 E Speedway, Tucson, AZ When the number of nominees equals the number of vacant positions on the Board, there will not be an election. The results will be announced at our annual meeting on April 30, Larry Youdelman Incumbent Larry has been a member of Pyramid FCU since 2007 and has served on the Supervisory Committee for two years ( ) and has served on the Board of Directors for seven years ( ). He is a Certified Public Accountant licensed to practice in Arizona. He graduated from the University of Arizona with a bachelor s degree in accounting. He has lived in Tucson for most of his life. He currently serves on the Board of Directors and would like to serve another term.

5 COMMUNITYCOUNTS Munday Curd Scholarship Pyramid Federal Credit Union is excited to offer the Munday Curd Scholarship. This scholarship opportunity is open to any high school senior graduating in the spring of 2016 who is a Pyramid FCU member and is going into any area of study at a university or technical college. Applicants may apply for a $1000 first-year scholarship. Completed applications must be received at a Pyramid Federal Credit Union office by close of business on Friday, April 3, Winner(s) will be selected no later than Friday, April 10, Race for the Cure! SOUTHERN ARIZONA This year, the Susan G. Komen Race for the Cure will be on Sunday, March 6th on the campus of The University of Arizona. The Pyramid Federal Credit Union team will once again be participating in this powerful celebration which has become one of Southern Arizona s largest events. Want to be part of the team? Contact any of our branches for information on how to register or go to for more race information. Celebrate Excellence! Join Pyramid Federal Credit Union on Saturday, February 20th at the Pima County Fairgrounds as we celebrate Vail Pride Day. Come celebrate the academic accomplishments of students and staff, watch Academic Jeopardy and Math Bowl competitions and check out classroom displays from all grade levels. They ll also be dance and musical performances, games and raffles and plenty of food. All proceeds raised go back to the Vail School District to support academic, art and athletic programs.

6 BE AWARE OF CARD CRACKING AND POPPING What is Card Cracking or Popping? The card cracking scam generally targets college students, military personnel, single parents, and students. They are recruited through social media, including Facebook and YouTube. The sales pitch is to allow the fraudster to deposit a check to a student s account and withdraw the funds for which the student receives half of the proceeds for agreeing to participate. Send Check now available in Online Banking Now you can send an official check right from online or mobile banking! And you can send it to yourself, your landlord, anyone! Transfers Send Check Willing participants provide the fraudsters with their ATM/debit cards and PINs. The fraudsters deposit fraudulent checks (stolen or counterfeit checks) to the student accounts via ATMs and subsequently withdraw the funds. The fraudulent checks were subsequently returned unpaid and charged back to the students accounts. Following the fraudsters instructions, the participants report their ATM/debit card as lost or stolen and that the transactions were fraudulent. Card cracking/popping is a serious issue. You may lose your account, lose your money, damage your credit report, and/or you may get up to 30 years in prison for knowingly committing fraud. PROTECT YOURSELF NEVER GIVE OUT ANY PERSONAL INFORMATION DO NOT SHARE YOUR ACCOUNT INFORMATION INCLUDING CARD AND PIN NUMBER IRA Season is here Getting ready to do your taxes? So are we! Now s a great time to open an IRA. But who can hit the minimums? You can with Pyramid FCU! Our minimum is $5. Isn t it time to get started saving for retirement? You don t have to start with a lot as long as you consistently save as you earn, you can set yourself up well in the long run.

7 CONTACT CENTER BROADWAY OFFICE 5801 E. Broadwa y fax: Drive-Thru, ATM, & Safe Deposit Boxes Fri 9am-6pm & Sat 9am-1pm ORACLE OFFICE Ross Shopping Center 4491 N. Oracle Rd fax: ATM Fri 9am-6pm SPEEDWAY OFFICE 7740 E. Speedway Blvd fax: Drive-Thru & ATM Fri 9am-6pm RITA RANCH OFFICE 8235 S. Houghton Rd fax: Drive-Thru, ATM, & Safe Deposit Boxes Fri 9am-6pm & Sat 9am-1pm GRANT OFFICE 5280 E. Grant Rd fax: Drive-Thru, ATM, & Safe Deposit Boxes Mon, Tues, Thur 730am-4pm Wed 9am-4pm Fri 730am-5pm SCHEDULED CLOSINGS NEW YEAR S DAY Friday, January 1st MARTIN LUTHER KING JR. DAY Monday, January 18th PRESIDENTS DAY Monday, February 15th SHARED BRANCH LOCATOR Call to find locations or go online to FEE-FREE ATMS CoOp ATMs: Allpoint ATMs: memberservice@fcu.org eteller & BillPay: mailing address: PO Box Tucson, AZ BANK WITH US WHEREVER YOU ARE. 57,000 FEE-FREEATMs