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There are a lot of superheroes flying across the screen at the movie theater, but you’re a superhero to your family each time you help save money. PECU saves you money in dozens of ways. To start 2020, here are three quick ways to save. Number One: PECU Free Checking. According to a NerdWallet study of CFPB data, the average cost of maintenance fees, ATM fees, and overdraft & NSF fees for a checking account is nearly $1,000 over a decade. PECU Free Checking has no monthly service charge, no minimum balance, and 360+ free Central Texas ATMs. Number Two: PECU MasterCard. It has an APR as low as 7.99%. Creditcards.com says the current national APR average is 17.25%. That nearly 10% more in interest will annually cost you almost $100 for every $1,000 in credit card balance. Number Three: Auto loans. Not only does PECU have great auto loan rates, we’ll also give you a “do over” and refinance your non-PECU auto loan. Click, call or come by to let us help you save money in 2020!

Three ways PECU can help you save money in 2020

BACK COVER: February is Member Appreciation Month at our Walnut Creek branch! Check out the special promotions.

When’s the last time you attended PECU’s Annual Meeting? It’s a great way to catch up with old friends, meet more PECU members, enjoy a great dinner, and celebrate your credit union. Remember, you are a member-owner of PECU. PECU’s Annual Meeting takes place on Monday March 2, 2020 at the Embassy Suites Hotel at 5901 I-35 North in Austin. The doors open at 5 PM. Dinner will be served at 5:30 PM. The business meeting will start at 7 PM. Spoiler alert, you will receive fun door prizes and be entered into our cash drawings. We will be casting ballots for three Board positions that are up for election. You’ll hear speeches from the Board of Directors and PECU President Gary Whitcomb. Mark your calendar for Monday March 2nd.

We hope to see you at PECU’s Annual Meeting on March 2

Your PECU membership qualifies you for unique savings with the Sprint Credit Union Member Cash Rewards Program. You can earn $100 cash for each of the first two new lines you activate with Sprint—plus lines three, four, and five are free with the Unlimited Basic Plan. In addition, you will then receive $100 each year as a Sprint loyalty reward. Are you already a Sprint customer? There’s also a reward and special savings available for you. Earn a $100 Annual Loyalty Cash Reward and 25% off select accessories in Sprint stores. It’s easy to get this offer. Click the yellow Sprint banner at the bottom of the PECU homepage, or register at lovemycreditunion.org/Sprintrewards. PECU appreciates your membership. Our partnership with Sprint is another great part of the credit union difference!

Refer A Friend TO PECU

CURRENT PECU MEMBER

Here’s an opportunity for you to refer a friend and receive $50 for each new PECU member you refer. Your friend needs to open a new PECU savings account & any PECU checking account*

Current Member NameStreet AddressCity, State, Zip CodeE-mailPhone

*Your $50 will be deposited to your PECU checking account when your friend opens a PECU savings account & PECU checking account and meets the promotional requirements. Program, terms & conditions subject to change at any time at PECU’s sole discretion.

Please fill out top half and then give it to your friend to fill out bottom half.

______________________________________________________________________________________________________

______________________________________________________________________________________________________

___________________________________________________ 512-474-1955

pecutx.org

__________QUESTIONS?

GET $50 FOR YOU, PLUS $50 FOR YOUR FRIEND! NEW PECU MEMBER

Welcome to PECU! Please fill out bottom part and then give it to PECU.512-474-1955pecutx.org

Earn $50 for you, plus $50 for the friend who referred you* You must fill out this form completely and then do the following: 1) Open a PECU savings account & make one deposit of $50 or more within 60 days of account opening 2) Open any PECU check-ing account & complete five (5) signature-based debit card transactions of at least $10 each within 60 days of account opening.

New Member NameStreet AddressCity, State, Zip CodeE-mailPhone

______________________________________________________________________________________________________

___________________________________________________

______________________________________________________________________________________________________

FOR PECU USE DATE: CODE 04 ADDED:OPENED BY: ____

*PECU membership required. $50 will be deposited to your PECU checking account. New accounts screened through ChexSystems. Must be 18. $5 minimum opening deposit required for member savings account. $5 minimum deposit required for member checking account. Promotional deposit will occur within 60 days of meeting requirements. Promotional deposit will be deducted if checking account is closed less than 180 days after open-ing account. Promotion not valid for existing PECU members. Program, terms & conditions subject to change at any time at PECU’s sole discretion.

You & YOUR FRIEND CAN SPLIT $100

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512-474-1955

pecutx.org

QUESTIONS?

512-474-1955pecutx.org

YOU DON’T NEED A DETECTIVE TO FIND THIS GREAT AUTO REFINANCE DEAL

This is no mystery. The clues are in plain sight. It’s the story of how you can turn yourself into the Sherlock of Savings by re-financing your non-PECU auto loan with us. We’ll reward you with up to $300 cash, plus 90 days without payments! Our in-formant says we’ll also pay your title transfer fee, get you a great new interest rate, and lower your payment. All of that sleuthing means a lot of extra money for you. Close the case by applying online, or dropping by any PECU lobby branch. Tell them Inspec-tor Clouseau sent you.

Loan Amount Incentive$10,000 - $19,999 $100$20,000 - $29,999 $150$30,000 - $39,999 $200$40,000 - $49,999 $250

$50,000+ $300

www.pecutx.org 800-772-1955

All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks model year 2015 and newer are eligible. Up to $300 deposited in share account. Standard underwriting guidelines apply.Vehicles currently financed at PECU not eligible. Rates, terms &conditions subject to change. Contact PECU if you have questions.

MAIN OFFICE306 East 10th StreetP.O. Box 2205Austin, Texas 78768-2205Phone: 512-474-1955Fax: 512-474-2731E-mail: member@pecutx.orgLobby Hours:Monday thru Friday 9 am - 5 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmCENTRAL OFFICE1200 West 42nd StreetAustin, Texas 78756Lobby Hours:Monday thru Friday 9 am - 6 pmSaturday 9 am - 1 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pm

WALNUT CREEK OFFICE8013 Centre Park DriveAustin, Texas 78754Lobby Hours:Monday thru Friday 9 am - 6 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmOAK HILL OFFICE5838 Highway 290 WestAustin, Texas 78735Drive-Up Facility OnlyDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pmROUND ROCK OFFICE15800 RM 620 North(Near intersection of 620 N & Cornerwood)Austin, Texas 78717Lobby Hours:Monday thru Friday 9 am - 6 pmSaturday 9 am - 1 pmDrive-Up Hours:Monday thru Friday 7 am - 6 pmSaturday 9 am - 1 pm

BEAUMONT OFFICE4215 Eastex FreewayBeaumont, Texas 77706Phone: 409-892-3171Fax: 409-892-7763 Lobby Hours: Monday thru Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-up Hours: Monday thru Friday 8 am - 6 pm

BRANCHES & HOURS

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Saturday 9 am - 12 pm

Upon request, members are entitled to review or receive a copy of the following credit union documents: Balance Sheet & Income Statement; summary of the most recent audit; written Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and Board policies; Internal Revenue Service Form 990. If you have questions, please contact PECU Financial Services at 512-474-1955 in Central Texas, or toll free 800-772-1955.

We created this Learn More About PECU section to address key topics related to your credit union. We post all of the Learn More About PECU articles on our website. This time, our topic is credit cards.

QUESTION: DOES PECU OFFER CREDIT CARDS?

ANSWER: YES. WE HAVE SECURE MASTERCARDS & NUMEROUS WAYS TO HELP YOU MANAGE THEM RESPONSIBLY. Credit cards are valuable tools that help you build credit, make convenient payments, and meet everyday expenses in your life. They provide a key foundation for your credit score. Responsibly using credit cards helps you achieve many financial goals. PECU offers five types of credit cards to help you: Standard MasterCard, Gold MasterCard, Platinum MasterCard, Share Secured MasterCard & Fast Track MasterCard. All PECU cards are highly secure, globally accepted, offer generous credit lines, and interest-free grace periods.

A credit card is a line of credit you can use to make purchases, balance transfers, and cash advances. Think of a credit card as a loan. You are approved for a loan amount (your credit limit) that you can spend. Each month, you’re committed to paying some of the loan back (your minimum monthly payment). Whenever you don’t pay if off in full, you’ll be charged interest on the remaining balance, and the interest is added to what you owe. Always try to make a payment higher than the minimum payment unless that is all you can afford. It’s important to have a good interest rate on your credit card. PECU MasterCards have an annual percentage rate as low as 7.99%, plus they have no annual fees, no cash advance fees, and no balance transfer fees.

Our credit cards offer you convenience, revolving credit, financial flexibility, and the ability to monitor and track your spending. Your PECU MasterCard can interact with your deposit accounts. This facilitates transactions between them, such as cash advances being deposited in your checking account, and the ability to make payments to your credit card by transferring money from your checking and savings account.

You can track your credit card spending through PECU’s free mobile app, eBranch online system, and through the friendly employees at any PECU lobby branch. PECU’s fraud center monitors your activity 24 hours a day. You may be texted, e-mailed or sent phone messages related to potential fraud. PECU will never ask for your account or personal information. Remember, when in doubt, don’t give information out. You can use MyCardRules to control your PECU credit cards. You can turn your cards on and off, set spending limits, and get alerts, all with a few quick taps. If you have a question about credit cards, call PECU at 800-772-1955.

PECU’s Fast Track Starter Credit Card Helps You Establish Credit

LEARN MORE ABOUT PECU: CREDIT CARDS

COMPLAINT NOTICEThis credit union is incorporated under the laws of the State of Texas, and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with Public Employees Credit Union, you should first contact the credit union. If the dispute is not resolved to your satisfaction, you may contact the Texas Credit Union Department through one of the means indicated below:

In Person or by U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699 Telephone Number: (512) 837-9236Fax Number: (512) 832-0278

E-mail: complaints@tcud.state.tx.usWebsite: www.tcud.state.tx.us

Get up to $300 bonus cash on a PECU Home Equity Loan!

PECU created the Fast Track MasterCard to help members establish credit. It’s designed for members with little or no credit. The Fast Track MasterCard gives you the purchasing power to get what you need. There’s no annual fee, relaxed credit guidelines, and the card always has a competitive interest rate. Having the Fast Track starter card allows you to build credit and grow your credit score. Increasing your credit score unlocks more credit opportunities such as auto loans, personal loans & mortgages. To get on the Fast Track, simply fill out the application on our website. The PECU Fast Track MasterCard is globally accepted and has a starting credit limit of $500. Please make sure you download PECU’s free mobile app to help track your finances. Good credit is important. Get on the Fast Track!

GOOD NEWS FOR YOUR BUCKET LIST

Get up to $300 bonus cash on a PECU Home Equity Loan!

Even if you haven’t written it down, you probably have a bucket list in your mind. What do you dream of doing? We’re happy to report that PECU can help you make it happen. Here’s the story. You worked hard building equity in your home. Now, you can put it to good use with a PECU Home Equity Loan. Even more good news, you can use a Home Equity Loan for lots of different things such as dream vacations, weddings, boats, RVs, home offices, bill consolidation, TV broadcasting school, and more. Plus, PECU will give you up to $300 bonus cash. See our new reduced rates. Click, call, or come by to apply. Questions? Call 800-772-1955.

• Low fixed rate• Borrow up to 80% LTV• Loan amounts from $7,500 to

$500,000• No standard closing cost on loans

less than $100,000• One set monthly payment to fit

your budget• No application fee• No origination fee• No processing fee• No hidden costs• Generous terms up to 20 years• No pre-payment fee

All loans must be closed by 4/15/20. All loans subject to credit approval. $7,500 minimum loan amount. Up to $300 deposited in share account. Loans must be closed to receive incentive. Standard underwriting guidelines apply. To qualify for the Home Equity cash incentive and the no-closing-cost feature, all loans must be new loans or a refinance from another financial institution. Loans currently financed with PECU are not eligible for the cash incentive or the no-closing-cost feature.

Rates, terms, and conditions subject to change. Contact PECU if you have questions.

www.pecutx.org 800-772-1955

Loan Amount Incentive$7,500-$24,999 $100

$25,000-$49,999 $200$50,000-$74,999 $250

$75,000+ $300

New Reduced Rates!

All during February, PECU will pay for the first purchase you make (up to $50) on your new PECU MasterCard. Get a new card, then get gas, groceries or other items on us! Must apply for new card at our Walnut Creek branch. See website or contact PECU for details.

All during February, we’ll waive the new member fee and put $10 in any new kids or teen account you open for your child or grandchild at our Walnut Creek branch.

Special Event: FRIDAY FEBRUARY 7

• Great Door Prizes

• Auto Loan Promotion* • iPad Giveaway

• $500 in total cash prizes

ADDRESS: 8013 CENTRE PARK DRIVE (78754)

Promotions Available At Walnut Creek All During February

• Free Food

iPad GIVEAWAY

$500GIVEAWAY

*Based on your good credit, take .50% off the current PECU auto loan rates on 2/7/20. Rates, terms, and conditions subject to change. Contact PECU to verify your promotional rate.

Refer A Friend to join PECU. You and your friend can split $100! Fill out the form located on Page Two of this newsletter to get started. There is no limit to how much money you can earn by referring lots of friends to join PECU! See website or contact PECU for details.

$100

FEBRUARY IS MEMBER APPRECIATION MONTH AT OUR WALNUT CREEK BRANCH

www.pecutx.org