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A publication for the members of

www.URmyCU.comJANUARY 2014

Volume 5 • Issue 1

Thank You!

2013: The Year in Review January Charlene Kornmann retires January-April Turbo Tax available January-May Car loan Special 1%, 2%, 3%, 4%, 5% January-December ENTERPRISE CAR SPECIALS EACH MONTH February PFCU 85th Annual Meeting March Scholarship winners Diamond Moore and Joseph Moster Credit Union offers all types of insurance products Credit Union sold property in Dayton Kentucky by bid April-September Discounted Kings Island tickets available June Grade School & high school good grades bonus Dayton office moves to Dayton Main Post Office lobby September Loans for all reasons and all seasons October-December PFCU visits NALC Branch 43 and Branch 182 Visa Holiday Sweepstakes Skip a Car Payment set for January 2014 Oyler School 7th & 8th graders thanked PFCU members For their generous contributions Board of Directors and staff wish you and your family Peace & Happiness

For your business in 2013!Help make us your #1 Financial Institution in 2014

Merry Christmas & Happy New Year toYou and Your Family!

Please review page 4 for change in business hours

Scholarship Application2014 School YearThe Scholarship Committee of the Cincinnati Chapter of theOhio Credit Union League (CCOCUL) invites you to applyfor a scholarship. There will be at least nine scholarshipsawarded at $1,000each. To qualify,you must be atleast a senior in alocal high schooland plan to enrollin post-high school studies, including vocational,professional and academic studies, which are not limitedto colleges and universities. Applicants may also beanyone who is obtaining an Associates or Bachelor Degree.

You yourself must be a primary member of an OhioCredit Union in one of the Cincinnati Chapter areacounties to be eligible. (Cincinnati Chapter Countiesare: Hamilton, Clermont, Brown and Adams.)

If you are chosen to receive a scholarshipfrom this chapter, your application may bechosen to participate in the statewidescholarship program sponsored by the OhioCredit Union Foundation, which awardsfive $3,000 scholarships in April 2014.

Please return your completed application to: CCOCUL Scholarship Committeec/o Karen Riel, Classic Federal Credit UnionP.O. Box 488Amelia, OH 45102

post-marked no later than February 10, 2014.

This form may be reproduced on a computer. Winnersonly will be notified by mail by March 28, 2014. Namesof the winners may be published in the local newspaperafter the awards dinner.

Log on to urmycu.com — go to 2014 Scholarships on the right under Every Stage of Life to get both Scholarship Applications

PFCU has given over $25,000 in scholarships to memberswanting to further their education. PFCU is offering two$1,000 scholarships to members of the credit union andyou could be the member to win.

There are three ways to apply:• Stop in the credit union office and pick up anapplication

• Call the credit union at 513-381-8600 and have anapplication sent to your home.

• Log on to www.urmycu.com/scholarship and lookin the promotions box for the scholarship promotionand download your application.

Complete the application and write a 500-700 word essayon the following:

“Increased reliance on technology has changed theway schools are educating children. Due to financialconstraints within school districts, many schools areadopting BYOD/BYOT (bring your own device/bringyour own technology) policies where more burden for the cost is shifted to parents and families.Considering the benefits and consequences, shouldschools continue to rely so heavily on technology?”

Your application must be postmarked no later than,Wednesday, March 13, 2014 for consideration. Allapplications submitted in person must be received by thedate above.

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Scholarship Program

A Small Thank You for Supporting PFCU During 2013Enclosed you will find a 2014 Pocket Payroll Calendar that you can carry in your wallet. It is handy for checkingdates and payroll dates and needs no batteries.

We also have a 2014 monthly planner calendar for you to make notes of dates to remember, such as, birthdaysand anniversary’s. Circle February 27th as the date for the PFCU Annual meeting and March 13th as thescholarship deadline.

PFCU APPRECIATES YOUR BUSINESS!

We want to offer a sincere thanks to everyone that helped with our “Can You Spare Some Change Project”, a Christmasproject to benefit the Oyler School, in Price Hill as part of the Adopt-A-Class Foundation. This year was a great success

and we were very pleased to helpso many kids. Thanks to yourgenerous donations we were ableto purchase Christmas gifts andbreakfast for nearly 30 kids thisyear. The gifts were delivered onDecember 18, 2013 by the Boardof Directors and Staff and byemployees from the Mid CityBranch Post Office. Go towww.urmycu.com and click onNews & Events to view pictures ofthe Oyler School Christmas Party.

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November 29, 2013 -January 31, 2014

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POSTALFamılyCredit Union, Inc.

86th Annual MeetingThe 2014 Annual Meeting is just around the corner, andwe hope you can join us. Unlike other financial insti-tutions whose meetings arerestricted to a few shareholders,your credit union is a financialcooperative with annual meetingsopen to its valued member-owners:You! Give us your feedback and letus know how well the credit unionis serving your financial needs.Enjoy refreshments and snacks andthe chance to visit with other members too. The creditunion exists only to serve you and your support isappreciated.

The meeting will be held on Thursday, February 27, 2014,at the main office at 1243 W. 8th Street in the lower level.The meeting will begin at 5:15 PM. We look forward toseeing you at the annual meeting.

Only one nomination was received for each of the openBoard of Directors positions. As a result, no election willbe necessary and the two individuals will be elected bygeneral consent or acclamation for a three year term.

The elected directors are Jim Burns, Tom Crowley and BillNolan.

FEBRUARY

27

Tax Time Again, Tax Day is Tuesday, April 15, 2014You must submit your 2013 tax forms electronically or havethem postmarked by Tuesday, April 15, 2014. But even ifyou wait until the last moment to file your taxes, there arethree things you can do right now to lessen the stress.

1. Get a set of folders or large envelopes and label themfor your various tax documents. As you receive taxinformation from your employer, the Credit Union andany other financial institutions, any investments youhold and so on, place them in the appropriate folder.

2. Make a folder for possible tax deductions as well. Gothrough your year's receipts and pull out those relatedto real estate taxes, charitable donations, medicalexpenses, etc., and place them in the folder. Dig outyour 2012 return to help you remember what youclaimed previously.

3. If you are eligible, contribute to your IndividualRetirement Account. You have until tax day to do so, butthe sooner the better. Because the interest isaccumulating tax free, you will want to maximize thetime you have your money tucked away for retirement.For complete details, contact your tax advisor.

Mailing Address:P.O. Box 14403Cincinnati, OH 45250-0403

Cincinnati: 1243 West 8th Street, Cincinnati, OH 45203Tel: 513-381-8600, Toll Free: 1-800-265-4527, Fax: 513-345-8726Monday, Tuesday and Thursday: 8:00 a.m. to 5:00 p.m.Wednesday: 10:00 a.m. to 5:00 p.m.Friday: 7:30 a.m. to 6:00 p.m.

Dayton: 1111 East Fifth Street, Dayton OH 45401937-228-7691, Toll Free: 1-800-265-4527 Monday, Tuesday, Thursday: 9:00 a.m to 5:00 p.m.Wednesday: 10:00 a.m. to 5:00 p.m.Friday: 8:00 a.m. to 5:00 p.m.

Personal Account Line:Call P.A.L. for all your account information. If you are in area codes 513, 812 or 859 call 632-5693... all other area codes call 1-800-621-9722. Or visit WebPal II at www.urmycu.com

We will be closed...Martin Luther King Jr. Day, Monday, January 20, 2014

By member choice accounts are insured by ASI for up to $250,000. This institution is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money. MEMBERS ACCOUNTS ARE NOT INSURED ORGUARANTEED BY ANY GOVERNMENT ORGOVERNMENT-SPONSORED AGENCY.

EQUAL HOUSINGOPPORTUNITY

Your Credit Union is proudto now offer insurance!We’ve known you for years and are looking out for yourbest interest. Whenever you have insurance questionscome up, you can count on personal service from PostalFamily Credit Union.

AUTO | LIFE | RENTERS | HOMEOWNERS | RVLONG TERM CARE | DISABILITY | MOTORCYCLE

Call us at 513.763.1835 or visit www.urmycu.com

Watch Your Mail... The tax documentsrequired for you to file your 2013 taxeswill be mailed to the address we have onfile prior to January 31, 2014.