EMV Debit Cards Postponed

When we decided to make the change to EMV Debit Cards we knew that it would cause some disruption as people switched over to the new cards and learned how to use them. However, our card supplier has not been able to complete the cards and their programming architecture to our satisfaction.

This does not give us enough lead time to have them to you for the Holiday Season. We know that all the travel, shopping, and shipping can be stressful enough without also having a new card you're not 100% sure about in your wallet. So we've decided to push the release back to January to get everything perfect for you.

In the meantime, please continue to use your current PCCU Visa Debit Card as you always would. If you have a card that is set to expire in November or December, it will be replaced with the current magnetic stripe only style card you have now. Once we begin mailing the new EMV cards in January you will have thirty-five days to activate it before we switch off the old cards.

You may want to start thinking about the places where your current card number is stored and you will need to update once you've activated your new card. For instance, your account with online merchants like Amazon.com or Walmart.com. Any bills that you have set up to pay with your debit card, either automatically or that you've chosen to authorize each time, like your cell phone, your insurance, or even Netflix. Apple Pay, SamsungPay, or any other mobile wallet service you use will need your new card number as well.

It's also a great time to check and make sure that we have your correct mailing address and phone number(s), so that the new card will get to you without delay and that we can contact you quickly if there are any issues.

We appreciate your patience and we'll be happy to answer any questions you may have about the transition.

FHA & USDA Home Loans = Low or No Down Payments 

Thinking about buying a home, but you don't have a lot of money saved up for a down payment? No problem, PCCU has home loan options that may be perfect for you!

FHA Loans only require a 3% down payment, so on a $50,0000 home you'd only have to put down about $1,500. USDA Rural Development Loans for properties in eligible areas and whose buyers don't exceed income caps can purchase a home without any down payment. That's right you can finance up to 100% of the purchase price of the home if you qualify.

With competitive rates these programs can be a great way to get off of the sidelines, quit paying rent and get into your own home. Contact our Home Loan Expert, Amy Clark (NMLS# 488199) by email at aclark@pccu.com or call her at 800-582-7228, x255 and find out if an FHA or USDA Loan might help you become a homeowner.


Skip-A-Pay for the Holidays


With the holidays just around the corner many people are looking at their budgets and figuring out how much they have to spend. If you need to stretch your budget and you have an auto or personal loan with PCCU you may want to consider skipping a payment.

If you qualify for the Skip-A-Pay program, you can sign a form, pay a $25 fee, and then you can skip one month's payment on your loan. Your loan must be up to date, you may not use the program more than six times per loan (no more than 2 skipped payments are allowed in any 12 month period), and the interest rate on the loan may not exceed 18%.

If you qualify you can fill out a form in a branch, or download and print one here, then return it with the $25 fee at the time of application. If you have questions about whether you qualify, call or email your loan officer, and they can walk you through it.



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