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Toll Master: $500 Priceless Surprises MasterCard promotion winner

MEMBER APPRECIATION

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Tired of big bank games? Get more PECU in your life!

AUTO LOAN REFINANCE PROMO

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What’s the deal with big banks charging higher fees, opening millions of unauthorized accounts (USA Today, 6/14/18), and then running apologetic TV ads? You deserve better. At PECU, everything we do is aimed at helping you. Our Free Checking is really free. Our credit cards have some of the best rates in the industry. Our deposit rates and loan rates are always very competitive. We partner with other local credit unions to offer you 360+ free ATMs. Globally, we give you 5,000+ shared branches. We give you popular products for free with no strings attached such as online bill pay, e-alerts and e-statements. We help you save on your insurance, and give you a “do-over” by refinancing high-rate bank loans into more manageable solutions. Our mobile app doesn’t send you spam. You own PECU. We never forget that. Your PECU membership gives you the credit union difference!

What do you dream of doing? Make it happen with a PECU Home Equity Loan. See Page Five.

Priceless Surprises Promotion

Have you ever paid a road toll and wished you could turn the tables and they would pay you? Well, that’s what happened for lucky PECU member Bruce Marcus (Right in picture with 42nd Street Branch Head Teller Tyler McCraney, left). Marcus has his PECU MasterCard connected to his TxTag. During a recent toll transaction, TxTag replenished his toll tag and charged his card. That charge was later randomly selected as the Priceless Surprises $500 winner! We’d like to thank MasterCard and Jack Henry & Associates for partnering with us on the promotion. Remember, your PECU MasterCard has a low APR, plus no annual fee, no balance transfer fee, and no cash advance fee.

REFI YOUR AUTO LOAN & THEN HIT THE BEACH

It’s often difficult to fit a summer vacation into your budget. PECU can help! You can get extra money and lower your monthly payment by refinancing your non-PECU auto loan. We’ll also give you the vacation-friendly opportunity to have no payments for 90 days. Plus, we’ll pay your title transfer fee. Rates are great. Stock up on sunscreen and take advantage of this offer. If you like, you can apply right now on the PECU web-site. Click, call or come by PECU to refinance and get the most out of your summer!

• Rates are great • Apply today • Title transfer fee paid

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

All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks

Rates, terms & conditions subject to change. Contact PECU if you have questions.underwriting guidelines apply. Vehicles currently financed at PECU not eligible.model year 2013 and newer are eligible. Up to $300 deposited in share account. Standard

NO PAYMENTS FOR 90 DAYS, PLUS UP TO $300

Vacations made easy!www.pecutx.org

800-772-1955

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SkIP-A-PAY OPTION

800-772-1955

You can request to skip a payment any time on select PECU loans. PECU allows you one (1) skip-a-pay option per eligible loan, per calendar year. If you’d like to skip a payment now, we have included the application below. Simply complete the form, sign, date and attach the $25 skip payment fee. You can also authorize a debit from your PECU account. The skip payment request must be received at least 10 days before the payment is due. Skip-A-Payment does not apply to credit cards, ready credit loans, student loans, CD and share secured loans, and all mortgage related loans. Please contact PECU with any questions.

PECU offers a wide range of savings through TruStage on many insurance types including auto, life, home insurance, long-term care and AD&D. TruStage is the brand for the insurance products made available through CUNA Mutual Group, including the CMFG Life Insurance Company. CMFG Life has worked with credit unions for 75+ years. Many PECU members report they saved money with TruStage. Click the yellow “Members Only” TruStage logo from our homepage. Get free quotes. Don’t forget, your PECU membership qualifies you for $2,000 of AD&D coverage at no cost. Get yours today.

APPLE ANDROID

Insurance Savings

Take PECU with you everywhere! PECU’s secure mobile app lets you check balances, pay bills, transfer money, find ATMs, make camera phone deposits, and more—from the palm of your hand! Scan the left code above for the Apple version, the right code for Android. You can also get them from the Apple Store, Google Play and our website.

Skip-A-Payment Application

To apply for a Skip-A-Payment simply complete this form, sign, date and attach the $25.00 skip payment fee or authorize a debit from your PECU account.

Member Name___________________________________, Account Number ________________________

Co-borrow______________________________________, Account Number_________________________

Member Address: (city, state, zip) _____________________________, Email address__________________

Work Phone Number ________________________, Home Phone,_________________________________

Loan ID#____________, Payment Amount $__________________, Month to Skip____________________

Loan ID# ____________, Payment Amount $__________________, Month to Skip____________________

Are you currently setup on Automatic Loan Payment withdraw? ___ Yes ___No Skip-A-Payment requirements:

All PECU Accounts must be in good standing All loans must be current (less than 30 days) All loans must have been current for the past 12 months New loans must have a minimum of at least 6 months of payment history All loans must have current address, phone number and email address One (1) skip payment is allowed per eligible loan per calendar year. Loan Payments that have already been made cannot be refunded The skip payment request must be received at least 10 days before the payment is due Skip-A-Payment does not apply to Credit Cards, Ready Credit Loan, Student loans, CD and share secured

loan, and all Mortgage related loans. Skip-A-Payment Fee due: ($25.00 per loan) $ _____ Cash or Check $_____ Transfer from saving or checking.

Skip-A-Payment Terms and Conditions:

For payments you generate (for example, payments you set up with a bill payment service, payments initiated at another financial institution, etc.) you are responsible for stopping the loan payment for the month you wish to skip. Any automatic transfers generated by PECU will be suspended for the Skip-A-Payment month. Members with auto loans who have purchased GAP insurance will be liable for any unpaid loan balance in the event of a claim. Skip-A-Payments may not be eligible when other Credit Union payment deferment programs have been used in the calendar year. If there is more than one borrower on the loan, by submitting this Skip-A-Payment request, you acknowledge that you have informed all borrower(s) and that they consent to the Skip-A- Payment request. Submitting the Skip-A-Payment request does not guarantee eligibility. PECU reserves the right to change loan eligibility at any time, other restrictions may apply. The undersigned hereby makes application to extend the original repayment term of the above referenced loans(s) by one month. This extension does not alter the original terms and conditions of the original loan contracts. The undersigned understands that the interest on the loans will continue to accrue on the unpaid balance of the loan, and will result in a higher total FINANCE CHARGE than if payments were made as originally scheduled. Borrower: __________________________________________________________Date:________________

Co-Borrower: _______________________________________________________Date:_______________

For Credit Union Use only:

Approving Officer: ____________________________________________________ Date:______________

Updated PECU Mobile App

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.

Shared Branch Spotlight: Columbus, OhioFounded in 1812, Columbus is the state capital and most populated city in Ohio. Money Magazine has ranked Columbus as one of “The 6 Best Big Cities.” It is home to four Fortune 500 companies, including Nationwide Mutual Insurance, American Electric Power, L Brands and Big Lots. With more than 66,000 students, Ohio State University is one of the largest academic institutions in the United States. The Columbus-based university has awarded more than 750,000 degrees since 1870. Hall of Fame golfer Jack Nicklaus, winner of 18 golf majors, was born in Columbus and attended OSU. Columbus is the home for 12 television stations. It is the 32nd largest television market. When in Columbus, you have access to your PECU accounts at 45 locations called shared branches. This includes numerous locations for Telhio CU, CME FCU, Education First CU, and KEMBA FCU. Click www.co-opcreditunions.org to search them. There are 5,000+ worldwide shared branches. Just show your ID and know your PECU account number when at a shared branch.

IMPORTANT MESSAGE FOR MEMBERS THAT MAKE MOBILE DEPOSITSEach week, more and more PECU members use our convenient Mobile e-Deposit feature. Most take a picture of the check with their camera phone. PECU wants you to be aware that pending amendments to Federal Reserve Regulation CC increase mobile deposit security to better protect you. To that end, it is now a requirement to write “FOR MOBILE DEPOSIT ONLY” on the back of the check along with your signature and account number. If you fail to include that endorsement, your mobile deposit may be rejected for deposit by PECU. Thank you for your attention to this matter.

It’s Easy To Get Your Kids and Grandkids a PECU AccountPECU’s Zoo Crew is for kids 12 and under. Club Bling is our teen account for 13-18 year olds. Both accounts earn interest and have no monthly fee and no minimum balance. Each type of account can be opened with a $10 deposit. New PECU Zoo Crew members get a free animal prize bag and a free pass to the Austin Zoo. New Club Bling members all get a savings account. Parents and teens can then decide if they want to add more features such as a co-signed checking account, debit card and credit card.

Member Appreciation DayiPad Grand Prize Winner!

Congratulations to PECU member Minnie Carrington (pictured left). She was the iPad Grand Prize Winner at our latest Member Appreciation event. This one took place at our Main Office. Thanks for turning out in such large numbers for the event! All attendees received a door prize. We had free food, loan specials, checking account promotions, plus MasterCard and debit card promotions. If you missed this event, see Page Six for information about our next Member Appreciation event. We appreciate you!

How to turn your house into a money machine!

Right now, get up to $300 bonus cash on your Home Equity Loan

• 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• No pre-payment fee• Flexible terms up to 20 years

You’ve worked hard building equity in your home. Now, let that equity go to work for you. What do you dream of doing? Let our PECU Home Equity Loans help you make it happen! PECU members just like you use Home Equity Loans for RVs, dream vacations, home improvements, bill consolidation, weddings, college, medical procedures, business startups, cattle purchases, and more. Right now, you can get up to $300 bonus cash. Rates are great. Click, call, or come by to apply for a PECU Home Equity Loan.

All loans must be closed by 10/15/18. 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

Georgia Steen won $100 at our last event!

MONTH AT OUR ROUND ROCk BRANCH AUGUST IS MEMBER APPRECIATION

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All during August, you can get $200 for opening a new PECU checking account with a free debit card at our Round Rock branch! What would you do with an extra $200? See website or contact PECU for details.

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

All during August, we’ll put the first $10 in any new kids or teen account you open for your child or grandchild at our Round Rock branch.

SPECIAL EVENT: WEDNESDAY AUGUST 1

• Great Door Prizes

• Auto Loan Promotion* • iPad Giveaway

• $500 in total cash prizes

iPad GIVEAWAY

Promotions Available At Our Round Rock Branch All During August

• Free Food

*Based on your good credit, take .50% off the current PECU auto loan rates on 8/1/18. Rates, terms, and conditions subject to change. Contact PECU to verify your promotional rate.

ADDRESS: 15800 RM 620 NORTH (78717)

$500GIVEAWAY