Refer a New Member and You Could Win $1,000

Member Michael Webb and Credit Union Concierge Dava Dale

They say a picture is worth a 1,000 words. At PCCU referring a new member can be worth $1,000. We've been rewarding our current members for referring new members this year and as part of that program we did a drawing from all of the members who made referrals between July and September.

Michael Webb, a long-time member, referred a new member to us in September. When Credit Union Concierge Dava Dale called to tell him that he'd won our drawing Michael was surprised and excited. He plans to use the money for Christmas, and that it's really going to help him.

We'll draw another $1,000 winner from PCCU members who make a successful new member referral during the fourth quarter, so you still have time to make qualifying referrals for the drawing that will be held at the end of January. Plus, you can make digital referrals too!

Who do you know that would benefit from a lower rate on a loan? Who do you know that would enjoy more interest paid on their savings? Refer them to PCCU, and you could both earn $25, and you might also win $1,000. Stop in today to get your Referral Cards and bring more people into the "perfect" circle of cooperative membership.

How does this work? The next time you come in, ask for some New Member Referral Cards and add your name to them as the “Current Member”. Then pass them on to anyone who qualifies for membership who could use a checking account that pays 3% or needs a great rate on a loan. They’ll add their name as a “New Member”, and bring in that card when they open their account and give it to the MSR who opens it. After the account is open for 30 days, we’ll deposit $25 in both your account and the new member’s account. Or you can use our digital referral platform.

To sweeten that deal even further, we’re doing quarterly drawings from all of the members who refer new members through the end of 2017. We’ll choose one of our referring members at random to win $1,000. Every new member you refer increases your odds of winning. Get your cards and begin referring today!

New member must be 18 years or older and deposit $25 into new share account. If the new share account is closed prior to 30 days the referral will not be paid, in addition to forfeiting the $25 share deposit for closing a new account prior to being open for 90 days. This offer may be withdrawn without prior notice, and does not apply to additional accounts or anyone who has caused PCCU an unrecovered loss.

The Holidays Are Coming and PCCU Has Solutions 

Need some extra money for the holidays this year? PCCU is ready to help make the holiday season shine just a bit brighter this year with several options.

We make right-sized personal loans, in amounts as small as $500, that help you solve problems. Whether it's how to pay for Christmas gifts until you can get your tax refund in the New Year, or paying for an unexpected trip or car repair, we'll make personal loans up to $20,000 depending on your credit history and income. We offer flexible terms and great rates that make it easy to play Santa!

If you already have a loan with PCCU and you don't want to borrow new money, you might consider using our Skip-A-Pay program this year. If you qualify, you can pay a $25 fee per loan and "Skip" a payment for a month. That payment is added on to the end of the loan and will extend it's life, but it also frees up some cash that you can use to travel home for Thanksgiving or to buy some nice gifts for Christmas or Hanukkah without putting it on your credit card. Ask a loan officer if your loan is eligible for a "Skip" this holiday season! You can print the Skip-A-Pay form here.

If neither of these is the right fit for your budget, we also make 30-Day loans that great for short-term needs. You might also consider setting up a Christmas Club account to start saving for Christmas 2018. At PCCU we take pride in helping you find solutions, so talk to us if you need a hand getting ready for the holidays. You can stop in or call your local branch with questions, or send them through PCCU All Ways Mobile or Online Banking. Our lending staff will help you find the solution that works best for you.


Member Appreciation Days at PCCU

Brittany, Chelsea, and Lisa prep the table in New Castle

Thank you to all the members who came out and joined us for Member Appreciation Days. We hope you enjoyed the pie and cider. There are still some 2018 PCCU calendars at the branches, and we also have decorative gift envelopes for you. We appreciate your business and the opportunity to serve you, it's our pleasure!

PCCU's 30-Day Loans Beat Payday Loans Hands Down 

Did you know 46% of Americans would have a tough time coming up with $400 in an emergency? Although $400 may not seem like that much money to some people, what would you do if your car broke down and it's still a week until payday? Or you child needs money for picture day or a field trip that all of their friends are going on? Many people see no option but taking out a Payday Loan.

The problem is when you pay back that Payday Loan, including the interest and fees, you're back in the same boat - short on cash with their next payday a long way off. Caught in this catch-22 many people take out another Payday Loan. It's a vicious cycle, and once you get in, it's hard to dig your way back out. If you're stuck in this cycle PCCU may be able to help you break free. Our loan officers are trained to find solutions and make plans to help you break away from Payday Lenders and breathe easy again.

For those of you who've walked this path before and don't want to go back, or for those that want to avoid it in the first place but don't feel like you have much of a choice, PCCU offers our 30-Day Loan as a lower cost alternative to Payday Loans and overdraft charges.

Our 30-Day Loan has a $5.00 application fee and carries an interest rate of 36% APR. Or to put it more simply, you'll pay $3.00 in interest per $100 that you borrow, for example, if you borrowed $350 on November 10th, you would pay back $360.50 by December 10th. The amount you qualify for is based on how much you make, up to 20% of your gross monthly income OR $600, whichever is less. And unlike many Payday Lenders, with PCCU you'll have thirty days to pay the loan back, which means you could use several paychecks to pay it off.

We are unable to offer this product to those who are self-employed, and it does require credit approval. The maximum you may borrow is $600 or 20% of your gross monthly income, whichever amount is less. First-time borrowers on this product may borrow no more than $200, even if their gross monthly income would other-wise qualify them for more. First time borrowers must also wait 30 days after paying off their first 30-Day Loan before they may qualify for another.

Ask us about 30-Day Loans, and skip the stop at the Payday Loan shop! For more details ask a loan officer or check out our 30-Day Loan product info here.

PCCU Staff Profile
Briana Jett
Member Services Representative

Name: Briana Jett

Title: Member Services Rep.

Years of Service: 2 Months

Years in Current Role: 2 Months

Hometown: Richmond, IN

Favorite Meal: Steak

Favorite Book: Lifetime Books

What should every PCCU member know: The most rewarding part of working at PCCU is helping members.

Why should everyone join a CU?: Credit Unions put members first!


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