Are you enrolled in estatements yet? If you are, you're already entered to win one of fifty: $50 Visa gift cards!

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1 February 2013 In this issue: $50 for 50 Members Discounted Tax Prep and Enter to Win Enroll in PFCU Mobile Banking today! Protect Your Credit Score When Closing Credit Cards Are you taking advantage of our 28,000 FREE ATM's? 1% Cash Back on Balance Tranfers to a PFCU Visa $50 for 50 Members Are you enrolled in estatements yet? If you are, you're already entered to win one of fifty: $50 Visa gift cards! Not enrolled? It's easy, log into Pioneer@Home and click on the estatements tab to start your registration. Everyone that's enrolled by March 31st, 2013 will be entered to win one of fifty: $50 Visa gift cards!

2 Contact us at or call us at (208) if you have any questions. *PFCU employees, official family, and members that won a prize in the November 2012 estatement contest are not eligible to win. You don t have to break the bank by visiting a tax professional. Try TurboTax now to get your taxes done right - and to enter the TurboTax Double My Refund Sweepstakes. You ll get a chance to win one of: Three Grand Prizes up to $5,000 or twice your refund amount Ten $500 First Prizes Don t delay! Start for FREE at the PFCU website by February 28 th to be automatically entered to win! Your biggest possible refund With TurboTax, you re guaranteed to get your maximum refund or your money back.* Customized for you TurboTax searches for the latest deductions and credits based on your job, family and life so you know you re getting every penny you deserve. Help when you need it TurboTax CPAs, EAs or tax attorneys are here for you year-round so you can get expert answers to your specific questions for FREE.* Visit the PFCU Pioneer Perks Page to Learn More Today!

3 *Visit for TurboTax product guarantees and other important information. TurboTax Double My Refund Sweepstakes. NO PURCHASE OR FINANCIAL DISCLOSURE NECESSARY. Open to legal residents of the fifty (50) United States or the District of Columbia, 18 years of age or older at time of entry. Void in Puerto Rico and where prohibited by law. Sweepstakes ends 2/28/13. Subject to complete Official Rules and all applicable federal, state and local laws. For Official Rules including odds of winning, alternate method of entry, and prize descriptions, visit PRIZES: We will double the amount of your refund or payment to/from the IRS on your 2012 federal tax return up to a maximum of a $5,000 payout. Winners will receive a minimum of $1,000 if their refund or payment is less than $500 and a maximum of $5,000 if their refund or payment is greater than $2,500. Ten (10) First Prizes: A check for $500. Retail value, $500 each. Maximum retail value of all prizes is $20,000. The odds of winning a prize depend upon the total number of eligible entries received by the end of the Promotion Period. SPONSOR: Intuit Inc., 7535 Torrey Santa Fe Rd, SDG-2A-03-26H, San Diego, CA, Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties' trademarks or service marks are the property of their respective owners. Enroll for PFCU Mobile Banking today! Available on any smartphone. View balances, transactions and loans Transfer money between your accounts Transfer money to other financial institutions Pay bills Set account alerts View locations Visit the mobile banking page today at for full details or to download the app. Protect Credit Score When Closing Credit Card Accounts

4 If you're thinking of closing a credit card account, consider this: Closing a credit card account could hurt your credit score but, if you re careful, you can close the cards you don t use with little effect on your score. The total of your card balances divided by the total credit limit on all of your cards your credit utilization ratio may be the most influential factor in your credit score. The best credit utilization is 0%; a good utilization ratio is less than 30%. If you close cards you haven t used in awhile without paying down the others, your total balance due becomes a higher percentage of your new, smaller, overall limit. Your credit utilization ratio goes up. Paying your credit card balances in full each month isn't enough to improve your score. What counts is the amount you've charged that month, because you never know on which day the score is calculated. Your best strategy: Pay down your balances before closing any card accounts to minimize the impact on your credit score. These five factors carry the most weight in affecting your credit score: Your overall revolving debt. This is the amount of credit card debt you owe in relation to your available balances, both on an individual account basis and overall. It's better to owe a smaller amount on several cards than to max one card to its limit. A good long-term approach is to keep your balances between 10% and 35% of your available credit, and definitely at 10% in the three-to-six month period before you apply for any sizable loan. Your payment history. Paying before the due date can mean the difference between an average and an exceptional credit score. The length of your credit history. Raise your score by keeping accounts open for more than seven years. Instead of closing accounts, work toward paying them off and then let the accounts remain open. Use them for small purchases that you pay off each month. The number of inquiries and new debt in your records. Fortunately, all mortgage inquiries within 30 days are grouped as one inquiry. Auto inquiries similarly have a 14-day limit. The kind of debt you incur. Your credit score is affected by two kinds of debt: installment debt (auto loans, for example) and revolving debt (credit cards). Credit bureaus look more favorably on installment debt than revolving debt. If you're thinking of closing an older credit card because it carries a high rate, contact us today at Pioneer Federal Credit Union and take advantage of our 1% instant cash back balance transfer offer. The offer ends on February 28, 2013 so contact us soon at (208) or Are you using Co-Op for FREE ATM Transactions?

5 Welcome to CO-OP, the largest credit union-only ATM Network in the country. The CO-OP Network logo, which is located on the back of your credit union ATM card, gives you surcharge-free access to 28,000 CO- OP Network ATMs. In addition, CO-OP Network s membership also provides access to over 800,000 ATMs worldwide through links to the NYCE, STAR, Cirrus, Pulse and Plus networks. Just check your ATM card for the CO- OP Network logo and you re ready to go! You can locate a CO-OP Network ATM through our online locator, iphone App, text messaging, or GPS. Transfer any external credit card balance to a PFCU Visa and get 1% cash back. Have you compared your current credit card rates with a PFCU Visa? Did you know that we offer a Rewards! program as well as NO balance transfer fee, NO cash advance fees, and NO annual fees? Find out about switching to a PFCU Visa today! Rates as low as 8.99% APR. PLUS! During February, you'll get 1% cash back on the total amount you transfer to a PFCU Visa Credit Card. Click here to apply today. Click here to view current rates. **APR is annual percentage rate. Transferred balances must be new money (transferred from balances you currently have elsewhere) to Pioneer Federal. Finance charge grace periods are not applicable with a balance transfer (cash advance); the finance charges will accrue from the date of the balance transfer. Balance transfer example: You would earn $30 upon transferring $3,000 in new money balance transfers to your Pioneer Federal Credit Union Visa. Some restrictions may apply and are subject to change. Annual Percentage Rate (APR) is subject to change upon Board of Directors action. Visa Platinum APR starts at 8.99% and is dependent on credit score. Late Payment Fee: 20% of the minimum payment due, subject to a maximum of $25 after a 10-day grace period. Compounding method: Average Daily Balance (including new purchases). Application and membership required. On approved credit.

6 Moving Your Money Forward 2013 Pioneer Federal Credit Union. All Rights Reserved. This was sent to you by Pioneer Federal Credit Union located at 250 West 3rd South, Mountain Home, ID If you no longer wish to receive s from us, please go here.