Share the Legacy & Refer a New Member

Perfect Circle is a cooperative. So people cooperate, what does that mean? It means that some people save and invest their money with Perfect Circle, and other people borrow that money from Perfect Circle so they can buy homes and cars and build their lives. The profit from that borrowing goes back to the savers, forming a virtuous or "Perfect" circle.

So we need members from all walks of life to join the cooperative. Without the borrowers there is no interest to pay the savers. Without the savers there is no money to fund cars and homes. Most people will play both roles in their lives at different times. Whether you're buying your first car or your first home with a credit union loan at a favorable rate, or you've retired from a lifetime of work and you're using the interest from your savings at the credit union to enjoy a more comfortable retirement, everyone benefits from membership. Additional members broaden the cooperative circle and benefit us all.

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. Stop in today to get your Referral Cards and bring more people into the "perfect" circle of cooperative membership. Because in the cooperative spirit, rather than spend money on radio or billboards, we’d like to give that money to our members. So for every new member that you refer to us, we’ll pay you $25!

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.

To sweeten that deal even further, we’ll be doing quarterly drawings from all of the members who refer new members. 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.

New Auto Loan Preapproval: Get a great rate and $50 

Apply for an auto loan preapproval on a new vehicle, online or in person, then meet with one of our loan officers. They'll go over the loan terms and rates you qualify for, and help you decide how much you can afford while staying within your budget. Plus they'll help you determine the value of your trade-in vehicle so you can avoid lowball offers.

Our Loan Officer will also analyze your credit report and offer advice on tuning up your credit score. They'll even do a comparison to see if you could save money by refinancing your other loans to PCCU. Then we'll deposit $50* in your PCCU account. You'll be ready to find the perfect new car, truck, or motorcycle with PCCU on your side to help you get a great deal!

Ready to make your appointment? Email or call your Credit Union Concierge Dava Dale today at 765-969-8675. She'll answer your questions and get you started today. Want to get your application started?You can do that here.

*Must have an Experian Credit Score of 640 (or higher) and qualify for a new auto loan to receive the $50 incentive.


Rebates or Low Rates? Choose Booth @PCCU!


Shopping for a new car? If you're in the market and have decided to purchase rather than lease, you'll find several financing options. These days, more and more dealers are offering low-rate loans or cash-back rebates.

While it's nice to have choices, they can be downright confusing. And expensive. In the final analysis, you may be better off with conventional auto financing from PCCU. "Hidden costs" in dealer financing include:

Dealers' low-rate loans and rebates almost always are available only on slower-selling models which may have lower resale values.

Dealers' low-rate loans can have bigger prepayment penalties and require larger down payments.

Dealer financing plans usually are limited to dealer stock. That means you may have to sacrifice the color, style, and/or options you want. Unwanted options can add 25% to 30% to the sticker price of your car.

So don’t be smitten by auto dealers’ low-rate advertising see what some of these dealer loan options look like in monthly payments:

Plan A: The low rates that most dealers advertise are for short-term loans. For example, one dealer offers 1.9% financing, but that's only available on two-year loans. A new $20,000 car with a $2,000 down payment (10% down) will require financing $18,000.

This translates to an astounding $765 monthly payment—out of reach for most buyers. The same dealer offers other options, which become less attractive as the loan term lengthens. The dealer's three-year loan has a 4.9% rate, while its four-year loan has a 5.9% rate, and its five-year loan has a 6.9% rate. Financing $18,000 on your $20,000 car at the dealer's 5.9% rate for four years results in a monthly payment of $422—a more realistic outlay for many consumers' budgets.

Plan B: On the other hand, if you choose the dealer's rebate plan, you forego the low-interest-rate loan, but get a $2,500 cash rebate. Adding the rebate to your down payment can make credit union financing very attractive—because the larger down payment reduces the amount you need to finance. You’d be looking at a four-year loan with a 2.39% rate at $317 a month, or a five year loan at a 2.39% rate with a $257 a month payment.

So which alternative is best? Check out the calculator at PCCU’s Financial Resource Center and see for yourself!

EMV Debit Cards Are Live (FAQ) 

By now you should have already received your new PCCU EMV Visa Debit Card and PIN in the mail if your Share Draft account is open and your account is in good standing. You'll need that PIN when you take the new card to an ATM (any ATM will work) to activate it, after which you may also change the PIN to something more personal. Please activate your card at your earliest convenience, as we'll deactivate the old Non-EMV debit cards on Thursday, May 25th at 10:00 am.

Once you've activated the EMV card please shred or destroy your old card and dispose of it in a safe manner. You're welcome to drop it off with us when you activate the EMV card, including placing it in an envelope marked, "Replaced by EMV", and dropping it in our night deposit boxes. We'll be happy to take care of it for you.

You'll also need to update any recurring debits or subscriptions you had authorized with your old card number, i.e. paying for Netflix or your cable subscription. Or with any merchants you have given your card number that store it in your account, like

If we had an incorrect address for you, your card has likely been returned to our main office in Hagerstown, if you haven't received your card by, Friday, May 5th, please contact us at your earliest convenience to check. If we have your card, we'll transfer it to the closest branch, or if it hasn't been returned we can cancel it and order you another once you've updated your address with us (either by online or mobile banking, or in person).

When you use the new card at a merchant who has enabled their EMV Chip Reader you'll need to follow these steps below:

If they don't have an EMV reader, or haven't activated it, you may swipe the card as you're used to doing. Just select credit whenever possible.

Please remember to activate your new EMV debit card by Thursday, May 25th, 2017, as we'll deactivate all non-EMV debit cards at 10:00 am that day.

We appreciate your assistance and patience with this changeover. We're hoping to reduce the amount of fraud that we must absorb and write-off as losses. It should also allow us to lift many of the restrictions that we've had to impose to prevent fraud. This will benefit all members by allowing us to pay better interest rates on deposits, offer lower interest rates on loans, and/or helping us avoid raising or creating new fees to offset the losses from fraud. If you have any questions about the new EMV debit cards, see the F.A.Q below or feel free to call your closest branch or send it via online or mobile banking.

Sincerely, The PCCU Management Team

Frequently Asked Questions

1.) Will I get a new PIN?
Yes, a new PIN has been randomly assigned and mailed to you in a separate envelope.

2.) Can I change my PIN back to my old PIN?
Yes, provided it's not a part of your Social Security Number. Once you activate the card at an ATM you should be able to change the PIN, just follow the menu options.

3.) Can you change my PIN for me?
After June 30, 2017, PCCU will no longer be able to change your PIN for you. If you request a new PIN in person, or through a secure message sent through Online or Mobile Banking, we will have a new computer generated PIN mailed directly to you. This insures that no human being will have access to your PIN until it arrives in your mailbox.

4.) How long is my old card good for?
Regardless of the date emprinted on your card, it will be deactived at 10:00 am on Thursday, May 25th.

5.) What if my new EMV card doesn't arrive before you deactivate my old card?
If you don't have your new card in hand by Thursday, May 25th, we can provide you with a pre-paid debit card for your convenience until your EMV card arrives. However, you will have to come in to one of our offices to get it.

6.) Will the USPS forward my EMV card to me if I haven't given PCCU my new address?
No, we don't want them to take a chance on delivering it to the wrong address, and if the address on your account is incorrect, the USPS will deliver your new EMV card to the Main Office of PCCU in Hagerstown.


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