7:15am - 1pm Tuesday - Thursday 7 : 15am - 2pm Monday & F r iday

PSCU P .O . Box 1854 1700 Sherman St . Wausau , WI 54402-1854

Loca l :715 .842 .9865 WPS emp loyees : #7465 To l l f ree : 877 .625 .4844PSPublic ServiceUNIONCREDIT

Nov./Dec. member newsletter

PSCU remains strong, ready to grow in 2012It’s hard to believe another year has gone by.

What a year for the financial world. Once again we have seen many banks and credit unions that have failed and were forced to merge with other

financials. Many small credit unions have decided to merge with larger financials because the regulations are

getting to be too much for the smaller credit unions who find it easier to simply close their doors. That is definitely not the case for the Public Service Credit Union. We have continued to grow in assets throughout 2011, as many of our members have placed excess funds into their savings accounts due to the unstable investment arena. Always know

that your credit union savings are insured up to $250,000.00 through NCUA.

This year we had to pay NCUA a premium of $24,495.00. The payment is in regards to losses incurred by failed credit

SAVE THE DATE!PSCUAnnual77th

Meeting

SUNDAYMarch 4, 2012

WHERE:

TIME:

WHAT:

Memories Ballroom1485 County Rd NNMarathon, WI 5444812:30pm Registration1pm Lunch

Meeting, lunch, bingo to follow

COST: $6/person(includes beer, pop & door prizes)

RSVP by February 12, 2012To RSVP, fill out and return form on the bottom of this newsletter.

Reserve your spot now for the 2012 PSCU Annual Meeting

The credit union’s 2012 annual meeting is just around the corner, and we hope you can join

us. Unlike other financial institutions whose meetings are restricted to a few shareholders,

your credit union is a financial cooperative with meetings open to its valued member-owners: You! So plan now to

attend to learn about the elections to the Board of Directors, hear about how

the credit union fared in 2011 and get the scoop on what’s on tap in 2012. Give us your feedback and let us know how well the credit union is serving your financial needs. Tell us about what we’re doing right as well as your suggestions for making improvements. Enjoy refreshments and the chance to visit

with other members, too. We look forward to seeing you at the annual meeting!

Sandy Leszczynskipresident, PSCU

unions and corporate credit unions during the last year.

The start of 2012 will mark the end of our first year offering our new program for children to open accounts. We opened a total of 33 new accounts this year! Congratulations to all of the new account holders! It’s easy to open an account for your child or grandchild. Simply start with 25 dollars and the credit union will give another 25 dollars that will be deposited to the new account. If you deposit an additional 100 dollars during the year the credit union will deposit five dollars into the account in January. Please contact the credit union staff if you would like to open this kind of account in 2012.

The Public Service Credit Union would like to wish everyone a safe and healthy 2012!

77To reserve your spot at the

PSCUAnnual77th

Meeting

Please fill out and return the bottom portion of this newsletter to:77th Annual MeetingPublic Service Credit UnionPO Box 1854Wausau, WI 54402-1854

77th Annual MeetingPublic Service Credit UnionPO Box 1854Wausau, WI 54402-1854

NAMES:

COST: $6/personRSVP: Please return this form by February 12, 2012. Thank you!

thAnnualMeeting

A newsletter for PSCU members Nov./Dec. 2011PSPublic Service

CREDIT UNION

Attention NetBranch users!

As of December 1 we updated NetBranch to a Multi-Factor Authentication login for security purposes. What this means to you is you will have to

answer questions only you would know and have an image that will appear each time you log in to the system. The first time you log in a sample page will appear showing what you will need to do the next time you login to the system. After you have answered your three questions and had a random image picked you are ready to enter the system. If you would like to change your answers to questions or pick a different image you can do this at any time by going to the left side of the screen under the Profile and go to the MFA preferences. If at any time you are unable to log in to NetBranch give the credit union a call at 715.842.9865 and someone in the office will be able to help.

One and done: Consolidate your loan debt

If your mailbox is filling up with mail from a guy named “Bill,” it’s time to visit the credit union to talk about a consolidation loan. We’ll work with you to pay

off those high-interest credit cards or other high-rate debt that has accumulated. With a consolidation loan, you will have one payment to make at an interest rate that’s fair. Almost always, that means you’ll pay less total interest as well as have a lower monthly payment.

We’ll also give you tips on how to control your spending so that you don’t find yourself back in the same situation in the future. For example, we may suggest you put your credit cards on ice—literally—by immersing your plastic in a container of water, then placing the container in the bottom of your freezer. If you really need to use your card, you can dig though the leftovers and thaw it out. But most likely, you’ll be better able to resist impulse shopping. With a consolidation loan from the credit union, you can get your life back on the track to financial freedom.

orQuestion: I have my savings

account at the credit union. Are my funds insured if something happens to the credit union?

Answer:Absolutely! Your funds are insured up to $250,000.00 through NCUA.

Reserves.............$2,648,087.37

Loans................$7,442,732.82Shares...............$8,153,282.37

Membership.....1324Assets..............$12,118,217.29

As of November 30, 2011

2012Happy New YearPublic Service Credit Union Members!!

Mark Your CalendarsApril 6, 2012May 28, 2012July 4, 2012Sept. 3, 2012

Good Friday Closed all dayMemorial Day Closed all dayIndependence Day Closed all dayLabor Day Closed all day

Nov. 22, 2012 Thanksgiving Day Closed all dayNov. 23, 2012 Day after Thanksgiving Closed all dayDec. 24, 2012 Christmas Eve Closed all day

Jan. 2, 2012 New Year ’s Day Closed all day

Financial Report

January 1, 2013 New Year ’s Day Closed all dayDec. 25, 2012 Christmas holiday Closed all day

E-statements: easy, efficient andenvironmentaly friendly

Sign up for e-statements and help your credit union be a better steward of

the environment and of members’ money. Simply stop in the credit union and we’ll get you started. Then, when your account statement is ready each month, we’ll send you an email advising you of its availability. You can view online and save it electronically, or print it off and file it if you prefer. Either way there’s less paper involved (no envelope) and no funds are spent on postage. That makes your credit union more efficient and those savings can be passed back to you and other members in the form of fewer fees, better rates on savings and lower rates on loans. It’s more secure for you as well because there’s no danger of your statement being stolen from your mailbox. Contact the credit union for more information.

Don’t forget about PSCU’s great loan rates

New untitled vehicles:3.50% APR...10% down paymentUp to five years.3.25% APR...20% down payment

2006 and newer:3.75% APR...up to 48 months4.00% APR...up to five years

Older vehicles:6.25% APR...up to three years

The above rates also apply to boats, motorcycles and motor homes.

New recreational loans:3.50% APR...20% down paymentUp to five years