Ice Cream Social to Benefit the

Hoosier Explorers Field Trip Fund

Help Local Students Hit the Road!


The votes are in and members are ready for some summertime fun! We'll be hosting an ice cream social at all three of our locations to benefit the Hoosier Explorers Field Trip Fund on Friday, June 8th. We'll start serving at 10:00 am (ice cream for breakfast?) and leave it open until 4:00 pm (don't want to ruin your dinnner).

Pick from several flavors of ice cream and an array of toppings as we kick summer off in a sweet way. We're suggesting a donation of $2, but you can give as much as you like. It will help local public school fourth graders hit the road in the fall and take some great field trips. You can give to the fund generally, or you can target it to your favorite local public school. We have boxes in each branch for the closest schools, as well as a general Field Trip Fund box. Or you can have an MSR process it electronically to go to a school without a box.

If you don’t have any cash on you or you would rather do a transfer, we’ll be happy to make that transfer for you. If you can't make it in that day but would still like to show your support for local students you can request that a transfer be done with a call or through PCCU All Ways Online or Mobile Banking. Just log in through your preferred portal and send us a secure message, like this:

Hi PCCU,

Could you please transfer $5 from my Share

Draft account to the Blue River Elementary

Field Trip Fund account one time?

Thanks,

Jane Member


Your support for our local public schools is appreciated, as we work together to give the children in our communities the best education we can by adding invaluable experiences outside of the classroom. So join us on Friday, June 8th from 10:00 am until 4:00 pm, the more money you contribute, the more local students benefit. It’s just another example of our motto, “We Believe in Working Together”!

Keep reading your PCCU eNews for more fundraisers benefiting the Hoosier Explorers Field Trip Fund!
Let's Get the Kids on the Road!

 
Annual Meeting of the Membership 


Matthew Ball: The Boogie Woogie Kid


Join us on Thursday, May 10th for the Annual Meeting of the PCCU Membership. Come out to Reid Hospital in Richmond, where we’ll gather on the lower level in the Lingle Auditorium. We’ll be serving appetizers and desserts, along with iced tea, lemonade, and coffee, all from the top-notch Reid Catering team. We’ll start serving at 6:00 pm to give you plenty of time to dine and mingle with your fellow members.

Then at 6:45 pm we’ll move into the Auditorium proper for a great show presented by Matthew Ball, The Boogie Woogie Kid. He’ll perform a family-friendly, toe-tapping program of Boogie, Blues, and Ragtime from the Swing Era. With hits like “Ain’t Misbehavin”, “In the Mood”, “The Bumble Boogie”, and more, there is something for all ages to enjoy. Mixed with his in-depth knowlege of the cultural history and context of the music, he’ll teach us all a little about our shared American musical heritage! Take a sneak peek at his YouTube Channel:

The Boogie Woogie Kid

After the show, we’ll have our business meeting and review the standing of the Credit Union with your Board of Directors, Supervisory Committee, and the Management Team. We’ll recognize staff who have served you for five or more years. You’ll also be able to vote on Members of the Board and the Supervisory Committee, and check out PCCU’s Annual Report for 2017.

Finally, we’ll end the evening by drawing for over $1,000 in door prizes, including the grand prize of an Apple Watch! We’ll have separate prizes for both kids and adults, and everyone will have a chance to win. It’s a great evening filled with food, fun, and prizes. Not to mention the chance to learn more about the Credit Union and make sure your voice is heard by helping decide it’s leadership and future direction. So bring your kids and/or your grandkids and enjoy a great night out with Perfect Circle Credit Union!
You could win this Apple Watch!




 

Understanding Your Mortgage Interest Rate

 
Know Before You Buy


If you’re like most people, you want to get the lowest interest rate for your mortgage loan. It can be difficult to figure out, but knowing what factors determine your mortgage interest can help you prepare for the homebuying process.

The Consumer Financial Protection Bureau (CFPB) says “even saving a fraction of a percent on your interest rate can save you thousands of dollars over the life of your mortgage loan.” Do your homework and shop around to compare rates from different lenders. Understand a few of the factors they look at to determine your rate beyond credit history.

Home Location:Lenders will often offer different interest rates depending on what state or county you live in. To get accurate estimates on interest rates in your state and county, use this CFPB tool to explore interest rates depending on your loan amount and type.

Down Payment: A larger down payment usually leads to a lower interest rate. Lenders assume less risk if a home buyer has more money invested in the property. If you can comfortably put down 20 percent or more, do it. You’ll usually get a lower interest rate and pay less over the course of the mortgage.

Loan Term: The duration of a loan will also determine the interest rates that will be paid. Shorter term loans will generally have lower interest rates and lower overall costs, but higher monthly payments. The specifics of how much interest you will pay over the life of the loan versus monthly payments will ultimately depend on the loan’s length and interest rate. Learn more and try out different choices with the explore interest rates tool from the CFPB.

Loan Type: Some borrowers may qualify from loan programs through the Federal Housing Authority (FHA), U.S. Department of Agriculture (USDA), or Veterans Affairs (VA). Qualifying for any of these programs may affect your mortgage eligibility, down payment, interest rates, and other costs.

Interest Rate Type: Mortgages have adjustable or fixed interest rates. Monthly payments remain the same over the life of a fixed rate mortgage. Adjustable rate mortgages usually have lower initial interest rates; but interest rates are subject to change based on the market.

Points: Mortgage points, also known as discount points, are upfront costs paid directly to the lender in exchange for a lower interest rate. Paying for points is often a good choice for people who plan to live in their property for a long time.

Although these are not the only factors in determining your mortgage’s interest rate, they might be some of the factors you may not expect. For a more in depth look at these factors and more, check out the “Seven factors that determine your mortgage interest rate” from the CFPB.

Our Home Loan Expert, Amy Clark is ready to answer your questions about rates, or any other part of the home buying process. You can connect with her at aclark@pccu.com or call her at 765-969-0578. She's ready to help you on your journey to home ownership!

Amy Clark
NMLS# 488199
aclark@pccu.com
765-969-0578


 
Refer a New Member, Get $25


You Could Win $1,000 Too!

Did you know we pay members $25 for referring new members to PCCU? We'll also give the person you refer a $25 welcome gift as well! Then there is our drawing each quarter. Every member who refers a member in the quarter is entered to win a drawing for $1,000. The more new members you refer, the more chances you have to win!

Do you know someone who might benefit from PCCU's great rates and member service? Refer them to PCCU and you'll both receive a $25 incentive. Plus you'll be eligible to win the quarterly drawing for $1,000. There are two ways to refer a new member:

Click to Make Digital Referrals!


You can also print out referral cards at home, just click the image below. You can also request them at your branch. Just fill in your name as the "Current Member" and pass it along to your family, friends, co-workers, or whomever you know that appreciates good service and rates.
Click For a Printable Referral Card!


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.

 
Coming Soon

A New PCCU.com




We've been hard at work crafting a new pccu.com for you and it's nearly ready. We'll launch it this month, and we welcome your feedback. Please email us with your thoughts and suggestions at improvements@pccu.com. We look forward to hearing from you!

 




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