Cool Off This Summer With Low Rate Auto Deals

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1 First Class Summer 2016 THE NEWSLETTER OF PEOPLE S ALLIANCE FEDERAL CREDIT UNION Dates to Remember Summer Vacation Loan Special May 1 - July 31 Summer Road Trip With Everything Automotive All of July Enterprise Promotion July 22 July 30 Back to School Loan August 1 September 30 LI Ducks Game Tuesday, August 9 Labor Day Monday, September 5 All PAFCU branches closed ATM, Tel-Me, and Website service available. Spend Smart With A Back To School Loan Cool Off This Summer With Low Rate Auto Deals Sample Payment for Purchasing a New Vehicle: New Auto Rates as low as 1.74% * Used Auto Rates as low as 2.19% * Your Traditional Credit Union, Always There For You

2 A Message from the President President/CEO Current Loan Rates Loan Type Term APR Signature (Unsecured)/Debt Consolidation New Vehicle Used Vehicle 1-3 years 4-5 years 1-5 years 6 years (over $15,000) 7 years (over $25,000) 1-5 years 6 years (over $15,000) 7 years (over $25,000) 9.99%* 10.99%* 1.74%* 1.99%* 3.24%* 2.19%* 2.19%* 3.99%* Visa Gold open 10.9%* Visa Platinum open 9.9%* * The above annual percentage rates (APR) are the lowest rates offered to applicants with direct deposit of net pay and a checking account. Applicants who are not approved at this rate may be offered credit at a higher rate and/or different terms. All loan requests and rates are subject to credit approval. Rates and terms are subject to change. Current and previous year models. Six (6) month introductory rate of 4.00%. All rates and terms offered are effective June 30, 2016 and are subject to change without notice. Additional terms and conditions may apply. For a full listing of our loan and mortgage rates and to apply visit or call option 1 Dividend Update Regular Share & Club Accounts.15% Annual Percentage Yield.15% Dividend Rate IRA Share Accounts.22% Annual Percentage Yield.22% Dividend Rate Golden Checking, Checking Plus & Escrow.05% Annual Percentage Yield.05% Dividend Rate The Board of Directors has announced a declaration of these dividends to be paid on individual member s eligible balances for the quarter ending June 30, 2016 Great Car Loan Rates Just Tap On Us And We ll Be There

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4 En Español Esta gran promoción lo pondrá detrás del volante People s Alliance. GrooveCar fueleconomy.gov Tarifas bajas de interés para compra de automóvil nuevo desde 1.74% * Tarifas de interés desde 2.19% * para compra de autos usados. PAFCU está aquí para ayudarlo People s Alliance Federal Credit Union Verano divertido y económico! Obtenga una tarjeta de crédito de visa de PAFCU con tasas de interés bajas desde 9.9%* Nuestra tarjeta de crédito Visa Gold Card ofrece: Nuestra tarjeta de crédito Visa Platinum Card ofrece: Oferta para las personas que cuentan ya con una tarjeta de crédito Visa

5 Another Senior Day for the Books! "Y ALL ACCOUNTS 0!&#5 S ANNUAL 3ENIOR $AY WAS AGAIN A GREAT SUCCESS 7E VE TREATED OUR MEMBERS AGED AND OLDER WITH THIS SPECIAL EVENT FOR OVER YEARS -ANY LOOK FORWARD TO THE DAY AND SOME RETIRED MEMBERS EVEN RECONNECT WITH FORMER COWORKERS 4HIRTY MEMBERS WERE IN ATTENDANCE HELD THIS YEAR ON THE MORNING OF *UNE TH )NTERESTING GUEST SPEAKERS INFORMED OUR MEMBERS ABOUT EXCELLENT FINANCIAL TIPS FOR HANDLING -EDICARE %LDER #ARE AND 2ETIREMENT,IVING 4HROUGH 2ETIREMENT /F COURSE THE DAY BEGAN WITH A HEARTY BREAKFAST AND MANY RAFFLE PRIZES WERE GIVEN OUT TO THE DELIGHT OF ALL! FUN DAY WAS HAD BY ALL -AKE SURE TO JOIN US IN Simplify Your Life With Bill Payer 4HAT WAS THEN &ISH THROUGH THE JUNK MAIL FOR THE BILLS DUE HUNT DOWN THE CHECKBOOK FIND THE ENVELOPES RUMMAGE AROUND YOUR DESK DRAWER FOR A PEN ONE THAT WORKS TRY TO REMEMBER WHERE YOU PUT THE STAMPS WRITE OUT THE CHECKS PUT THE BILLS IN THE MAILBOX FOR THE CARRIER OH WAIT THAT S NOT SAFE DRIVE TO THE POST OFFICE MAIL THE PAYMENTS $ONE 4HIS IS NOW,OG ON TO 0!&#5 S WEBSITE CLICK THROUGH TO "ILL 0AYER SCHEDULE YOUR PAYMENTS $ONE )F YOU RE NOT USING "ILL 0AYER FROM 0EOPLE S!LLIANCE YOU ARE MISSING OUT ON ONE OF LIFE S GREATEST CONVENIENCES /NCE YOU SET UP YOUR ACCOUNTS TO PAY YOUR OBLIGATIONS ELECTRONICALLY PAYING YOUR MONTHLY BILLS WILL TAKE ONLY MINUTES 3O STOP WASTING YOUR PRECIOUS TIME DOING SOMETHING YOU PROBABLY DON T WANT TO DO ANYWAY 6ISIT OUR ONLINE "ILL 0AY VIDEO AT WWW PAFCU ORG TO SEE HOW MUCH SIMPLER LIFE CAN BE Home Equity Line of Credit Rates As Low As 1.99% APR* For 12 Months Then Prime For Life Thereafter! (OME %QUITY,INE OF #REDIT IS THERE WHEN YOU NEED IT )NTEREST IS ONLY CHARGED ON THE AMOUNT THAT YOU USE 7HEN YOU HAVE MAJOR EXPENSES SUCH AS HOME IMPROVEMENTS OR COLLEGE A HOME EQUITY LINE OF CREDIT FROM 0EOPLE S!LLIANCE CAN HELP *UST CONTACT US AT EXTENSION TO GET STARTED!02!NNUAL 0ERCENTAGE 2ATE 3TATED RATE OF IS FIXED FOR THE FIRST MONTHS THEN AS LOW AS PRIME THEREAFTER!NY MEMBER WHO DOES NOT ELECT AUTOMATIC PAYMENTS FROM A 0!&#5 CHECKING ACCOUNT WILL BE SUBJECT TO A RATE THAT IS HIGHER THAN THOSE STATED (OME %QUITY LINES ARE NOT OFFERED IN 4EXAS #ONSULT A TAX ADVISOR FOR TAX DEDUCTIBILITY!PPROVAL BASED ON CREDIT HISTORY 2ATES FEES SUBJECT TO CHANGE WITHOUT NOTICE Get A PAFCU Visa Credit Card With Rates as low as 9.9%* Visa Gold Card s )NTRODUCTORY RATE OF FOR MONTHS s,ow!nnual &EE s 2ATES AS LOW AS Visa Platinum Card s )NTRODUCTORY RATE OF FOR MONTHS s.o!nnual &EE s 5#HOOSE 2EWARDS 0ROGRAM s 2ATES AS LOW AS Offer For Existing Visa Card Holders n TRANSFER A BALANCE OF OR MORE FROM ANOTHER CREDIT CARD AND RECEIVE AN!02 OF FOR MONTHS 4O FIND OUT HOW A 0!&#5 6ISA #ARD CAN SAVE YOU MONEY AND APPLY GO TO WWW PAFCU ORG OR CALL US AT OPTION!NNUAL PERCENTAGE RATE IS THE LOWEST RATE OFFERED TO APPLICANTS WITH DIRECT DEPOSIT OF NET PAY AND A CHECKING ACCOUNT!LL LOAN REQUESTS ARE SUBJECT TO CREDIT APPROVAL 4HIS OFFER CANNOT BE COMBINED WITH ANY OTHER OFFER Vacation Club: Your Keys To The Next Great Adventure.EXT TIME YOU MAKE YOUR ESCAPE LEAVE YOUR MONEY WOR RIES BEHIND TOO %NROLL IN THE CRED IT UNION S 6ACATION #LUB AND YOU LL HAVE THE KEYS TO YOUR NEXT GREAT ADVENTURE 4HE 6ACATION #LUB LETS YOU PUT SAVING FOR YOUR NEXT VACA TION ON AUTOPILOT 3IMPLY USE PAYROLL DEDUCTION OR AUTOMATIC TRANSFERS TO REGULARLY SET ASIDE FUNDS %VEN SMALL AMOUNTS CAN ADD UP &OR EXAMPLE ONCE A WEEK SKIP THE LATTE PACK YOUR LUNCH AND WATCH A MOVIE AT HOME INSTEAD OF GOING OUT THAT S EASILY A WEEK OR A A MONTH 4UCKED AWAY IN YOUR 6ACATION #LUB ACCOUNT FOR A YEAR GIVES YOU TO SPEND ON YOUR GETAWAY 'ET THE WHOLE FAM ILY INVOLVED 0OST A PICTURE OF THE (AWAIIAN BEACH THE 2OCKY -OUNTAINS $ISNEYLAND WHEREVER IT IS THAT YOU D LIKE TO VISIT IN A PROMINENT PLACE 0UT A JAR OR CONTAINER NEARBY TO COLLECT CHANGE OR SMALL BILLS 4HEN BRING IT TO THE CREDIT UNION AND ADD TO YOUR 6ACATION #LUB SAVINGS "EFORE YOU KNOW IT YOU LL HAVE MET YOUR GOAL AND BE ON YOUR WAY

6 PAFCU Branches and ATMs Administration 125 Wireless Blvd. Hauppauge, NY (631) (631) (fax) 8:30 a.m. - 4:00 p.m. M-W 8:30 a.m. - 6:00 p.m. Th-F* 8:30 a.m. - 2:00 pm Sat** Drive-Up 8:00 a.m. - 3:30 p.m. M-W 8:00 a.m. - 5:30 p.m. Th-F 8:30 a.m. - 1:30 p.m. Sat 125 Wireless Blvd. Hauppauge, NY PRESRT STD U.S. POSTAGE PAID PERMIT NO. 70 HICKSVILLE NY Brooklyn 69 Atlantic Ave. Brooklyn, NY (718) (718) (fax) 67 Hanson Place Brooklyn, NY (718) (718) (fax) 8:30 a.m. - 4:00 p.m. M-W 10:30 a.m. - 6:00 p.m. Th* 8:30 a.m. - 4:00 p.m. Fri Closed Sat Closed M 8:30 a.m. - 4:00 p.m. Tues 9:30 a.m. - 5:00 p.m. W* 9:30 a.m. - 7:00 p.m. Th* 9:30 a.m. - 5:00 p.m. Fri* 9:30 a.m. - 3:00 p.m. Sat** Jamaica/Allen The Greater Allen Cathedral of New York Merrick Blvd. Jamaica, NY (718) x3037 (718) (fax) Closed M 8:30 a.m. - 4:00 p.m. Tues-W 8:30 a.m. - 5:00 p.m. Th* Closed Sat 8:00 a.m. - 12:30 p.m. Sun** Drop Box/Depository Available during Cathedral business hours JFK Airport Building #14 West Wing, Room 4A Jamaica, NY (718) (718) (fax) on the first floor Visit our Mobile Site to download PAFCU s App today! Miami 5757 Blue Lagoon Drive Suite 100 Miami, FL (888) (305) (fax) Ronkonkoma 3125 Veterans Memorial Hwy. Ronkonkoma, NY (631) (631) (fax) Westbury 1600 Stewart Ave. Suite #101 Westbury, NY (516) (516) (fax) Yonkers 132 Tuckahoe Road Yonkers, NY (914) (914) (fax) *Walk-in business after 4:00 p.m. **Walk-in business only. PAFCU's Routing Number: CO-OP Network ATM Access Entitles members to surcharge-free access to ATMs throughout the U.S. including all 7-Eleven stores. 8:30 a.m. - 4:00 p.m. M-Tues Closed W 8:30 a.m. - 4:30 p.m. Th Website: New! Spend Less Time Searching and More Time Relaxing! PAFCU s auto buying resource will help you find what you re looking for. Build and price the car of your dreams Search over 4 million new and pre-owned vehicles Compare features and options on specific pre-owned vehicles from local dealerships Get pre-approved with great low rates! Visit your exclusive auto resource today! PAFCU.GrooveCar.com or call Growing With Our Members Your Traditional Credit Union, Always There For You PAFCU Board of Directors Michael R. Gumiela, Chairman John A. Romanchek, Vice Chairman Diane Goerz, Secretary Barbara A. Mandello, Treasurer Nicholas M. Lacetera, Director Olga Lancaster, Director John Mistretta, Director PAFCU Board Emeritus Kenneth C. Hess EVERYTHING AUTOMOTIVE PAFCU Executive Management Carol A. Allen, President/CEO Joanne Steigerwald, Executive Vice President Frank Kobel, Vice President Branch Operations