PCCU's Hoosier Explorers Field Trip Fund

Featured in Local Media

In February PCCU launched our Hoosier Explorers Field Trip Fund to support local public schools. We reached out to the schools and let them know that we will help pay transportation costs for fourth grade field trips within Indiana. We've already received and approved several requests from Blue River Schools. Both The Courier-Times and the Palladium-Item have picked up the story.

The Hoosier Explorer Field Trip Fund will help local public schools provide a richer educational experience to their students by broadening their horizons. PCCU’s Hoosier Explorers Field Trip Fund will initially help public schools in Henry and Wayne counties by paying for fourth grade field trip transportation expenses (driver’s pay, fuel, tolls, etc.) for any day trip within Indiana. Whether it is to one of many excellent local destinations like the Cope Environmental Center, the Wilbur Wright Birthplace, or the Levi Coffin House; or someplace further afield like the Indiana Medical History Museum, Connor Prairie, or the Indianapolis Museum of Art, PCCU wants to help students gain a wider perspective on life that comes from exploring the world around them.

PCCU is committed to the Hoosier Explorers Field Trip Fund as a sustained and continuing effort for the future. It will be the focal point for the majority of our charitable giving in 2018, and our sole focus every year after. These efforts will partner with each school’s Parent Teacher Organization and help lighten their load as they work in support of their students. Every field trip PCCU helps underwrite will free up funds in the school and/or PTO’s budget, allowing them to meet other student needs.

If you're a local public school teacher who would like to learn more about how the Fund works you can visit the Fund's site. You can also reach out to PCCU's Education & Outreach Director: Kim Welch by email or by phone at 765-993-3069.

Be sure to check out your April newsletter to find the latest news and what's coming next.

PCCU's Education & Outreach Director: Kim Welch

March Loan Specials 

Time to upgrade your ride!

During the month of March we're offering a special rate of 2.39% when you purchase a used auto (2016 or Newer) with a credit score of 640 and higher. Terms up to 60 Months.

We've also got a promotional rate of 3.99% on Fixed Home Equity loans with 10 Year terms, available to members with credit scores of 640 and higher.

Home Improvements start at PCCU

Questions? Email Dava Dale, your Credit Union Concierge, or call her at 765-969-8675. Both offers end March 31, 2018, and are subject to credit approval. Rates subject to change without notice.


Thinking About Buying Your First Home?

Answer Four Questions First

If you’re making major life moves—getting married or having kids—and starting to get the homebuying itch, consider asking yourself these 4 questions.

How healthy is my credit score?

A mortgage can be one of the biggest financial obligations you’ll ever take on. Don’t add to that burden by paying a high interest rate. It’s a fact that the lower your credit score is, the higher your interest rate will likely be. It’s important to boost your score before even thinking about borrowing.

One way to help boost your score is to get current on credit card and loan payments. No one is saying that you can’t have any debt before you buy a home. But, depending on how much of your income is going to pay debts such as student loans, you may not get approved for a mortgage.

What do my savings look like?

Before you’re even in position to buy, it’s important to feel confident you can continue contributing to other financial goals while having a house payment. The last thing you want is a large mortgage that takes away from your retirement plans or emergency savings. In a perfect world you would be able to make a down payment of about fifteen to twenty percent of the home's value, and the larger your down payment the better the rates and terms of your mortgage are likely to be. However, a large down payment isn't always an option. PCCU has a number of different home loan programs that allow for small or even no down payments at all.

Have I accounted for ALL the costs of a home?

Your mortgage payment isn’t the only thing you’ll be paying when you become a home owner. It includes taxes, insurance, utilities, periodic repairs and regular maintenance. You can expect to pay one to four percent of your home’s value on maintenance per year, according to U.S. News, on things such as lawn care, gutter cleaning, snow removal, pest control among others. The cost of homeownership can quickly snowball.

To help get a feel for what you may pay as a home owner, look at local tax records and talk to others you know that own a home about estimates of what they pay for maintenance each year. Plug the numbers into your budget and see how they fit.

How long do I plan to live here?

When looking at buying a home, think about your future, will your housing needs be the same as your current ones? Are you expecting to grow your family? Will you be changing jobs? Factor in these possibilities, if you are anticipating a lot of unknowns, it may be better to hold off on buying a home. Buying should be something you’re committed to for the long haul.

These questions will lead you down a path of greater insight and awareness of your readiness to purchase your first home. Ultimately, it will help you find someone who you can trust. The journey of homeownership is an emotional one and we want to ensure your experience is a positive one. Talk about your options with Amy Clark, PCCU's Home Loan Specialist. Email or call Amy today at 765-969-0578 and make an appointment

You can find more great articles like this at PCCU's Financial Resource Center, a free service open to all.

Teaching Your Children to Handle Money

Let them practice while you can guide them

Children are aware of money at an early age, long before they go to school. Interactive discussions—rather than lectures—are most helpful in teaching your kids about money. Allow kids to ask questions, express opinions, and have input on decisions.

With young children it's better to wait until they initiate discussions; even older children may be more receptive if they ask the question. Sometimes, however, important matters require a sit-down discussion:

1. Be reassuring and assess, based on the age of the child, how much they'll understand and how much detail to offer.

2. If the change will affect the child, such as a cutback in the family budget, that's something that needs to be explained. Children can understand this and relate to it. Indeed, parents often are surprised at how supportive their children are when cutbacks are required. If you discuss how you'll reduce spending, children may volunteer to cut their own spending.

3. Talk openly with your children about things you'd like to buy but can't afford. If you save for an item, let kids see you doing so. If you buy something you haven't budgeted for, discuss what you'll give up buying in exchange. Show that it's not just kids that have to go without — parents have limits too.

Honesty like this helps keep the lines of communication open and can help your children realize that sharing, even on difficult topics, is how a family works best together.

Financial education is vital. PCCU offers Banzai youth financial education to teach these concepts; and PCCU's Financial Resource Center is available online 24/7 to help you find answers to your financial questions.

PCCU Staff Profile

Amy Denney
Richmond MSR

Name: Amy Denney

Title: Richmond MSR

Years of Service: 2 Months

Years in Current Role: 2 Months

Hometown: New Castle, IN

Favorite Meal: King Crab

Favorite Book: The Harry Potter Series

What should every PCCU member know: That we all try to give the best member service every day!

Why should everyone join a CU?: Because we care about our members!


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