Autos for Sale at PCCU!

Year Make Model Features Price
2000 Ford Mustang 5 Speed, leather seats, 131,000 miles $3,500 Firm


  Changes Are Coming at PCCU!

What do these changes mean for you long term? On the other side we’ll be able to provide more efficient transaction
and lending service. We’ll also be able to step up our game in online and mobile banking. Addtionally, there
should be less service interruptions from weather or communication network issues. We’ll even have tools to
find opportunities to save you money, spend it more wisely and live better. Finally, it will be a better base to
move forward with greater overall capacity for growth and evolution.

What does this mean for you short term? There will be some slight growing pains, one of which will take
place the weekend before we go live. After we close for business on Saturday, February 27th, 2016, there will
be limited availability of online and mobile banking, as we transfer our database over. We will be closed on
Monday, February 29th, 2016, while we make the final preparations. We will be rigorously training to prepare
for the new system, but there are likely to be some lags in service time that week, as the rubber meets the
road for real. In order to ease that pain point we’ll have back-up in the form of a dedicated call center to help
us help you and make that early transition as smooth as possible.

Over the coming months we’ll be communicating what to expect through our monthly and quarterly
newsletters, as well as on our web site. We’ll do our best to help you anticipate and plan for any bumps along
the road to minimize their effect on you, as well as answer any questions you may have. Please feel free to
send any related questions to us at, we may publish them in future newsletters.
Chances are good that if you have a question you’re probably not the only one. We appreciate your patience
as we keep moving forward together!


USDA Rural Development Loans at PCCU!

Home loans come in many different flavors and a good loan officer will work with you to help pick the right one. Too often people overlook or rule out the Rural Development loan from the USDA. When people hear the words Rural Development and US Department of Agriculture they think that they have to live in the country on a farm. In fact, these loans are available in all of Henry County, even in the middle of New Castle or Knightstown; as well as much of Wayne County, outside of Richmond.

So once we get past the name, why might someone choose a Rural Development loan? For starters, they don't require a down payment. That's correct, you don't have to put any money down when you're buying a home with a Rural Development loan. This makes it a great option for those who want to purchase a home, but haven't been able to save up for the down payment.

Second, the seller can contribute up to 6% of the purchase price to help you pay closing costs and prepaids. this means that on a purchase price of $50,000 the seller can contribute up to $3,000 towards the buyer's costs. This reduces the amount of money you have to bring to closing, making it easier for you to become a home owner.

Finally, the minimum credit score required for a Rural Development loan is 620, an option not available on most conventional loans without making a large down payment (as in 20% of the purchase price large!). Additionally, if you don't have much of a traditional credit history they will still consider your application. Instead, they will look at your history of paying bills that don't get reported to a credit bureau, like rent and utilities. You'll need to pull together more documents to fulfill the requirements, but our loan officers will walk you through each step.

When you consider the many features of the USDA's Rural Development loans it's easy to see why they're a good choice for many first time home buyers. They are also a good choice for people who pay their bills, but haven't been on the credit bureaus' radar because they pay cash for most things and don't fit into the nice, neat little box of a conventional mortgage. Ask your loan officer how a Rural Development loan can help you become a home owner!

PCCU is an Equal Opportunity Lender.

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