PCM Employees Credit Union

View PCMCU's Winter Edition of the Member News... Great Offers Available!

Please join us for PCMCU's 52nd Annual Meeting... Saturday, February 20th at Riverside Ballroom in Green Bay. Call today to purchase your ticket! Details below...

At PCMCU,
We do all we can
to get you into a
new home!

Just take a look at our new...

7 Year Adjustable Rate Mortgage
Loan Program for new home purchases

apr*
With 20% or more down payment
apr
With 10% down payment

apr
With 5% down payment ~ PMI Required

No Private Mortgage Insurance
required with 10% down payment
6Apply Today!

At PCMCU, we have our
members best interest in mind. That is why you won't see us increasing rates, lowering
credit limits, or contemplating new fees like the big banks
are doing!

PCMCU Credit Card Program
offers a great low rate,
no annual fee, along with
valuable benefits.

We think you'll agree it
deserves
two thumbs up!

Apply Today!
If you're not already receiving
the red carpet treatment!

Click here for card details.

The energy savings starts here...

If you're planning to make
an energy saving update
to your home,
be sure to take
advantage of this
great, low rate
financing opportunity!**

annual percentage rate
if your home loan is at PCMCU

annual percentage rate
if your home loan is at another financial

Apply Online Today!

We're doing all we can to help our members receive the tax credits available to them!

For information on available energy tax credits and product rebates, go to http://www.energystar.gov/

Please contact your tax advisor
for complete details.

*apr=annual percentage rate. 7 yr ARM (adjustable rate mortgage) is available on new home purchases only. This rate is constant for 7 years and then may adjust every year thereafter. Lowest possible annual percentage rate is 4.99%apr. Payment example: $100,000at 4.99%apr for 30 years, monthly payment of $536.36. 20% down payment required for 4.99%apr; 10% down payment required for 5.25%apr (No Private Mortgage Insurance, PMI required with 10% down payment). Minimum down payment is 5% with PMI. Your interest rate may change up to 1% every 12 months, but cannot increase more than 4 percentage points from the initial rate over the term of the loan. You may contact the credit union at (920) 499-2831 for a complete 7 year adjustable rate mortgage disclosure. This special term mortgage program is available for a limited time. Low $299 closing costs available on 2010 home purchases. Certain limitations may apply.
**Lowest apr available is 3.99% for special energy update financing offer. 3.99%apr is available to members with an in-house PCMCU home loan. Members that do not have a PCMCU home loan receive 4.99%apr. Maximum loan amount $10,000. Maximum term 60 months. Upon closing, loan proceeds will be disbursed directly to home improvement provider. All applications subject to credit approval. Equal Housing Opportunity.

We wish to invite the membership of PCM Employees Credit Union
to attend the 52nd Annual Meeting
held on Saturday, February 20, 2010
at the Riverside Ballroom in Green Bay

Every year this event is held for you, our member-owners.
It's a chance for you to learn more about your credit union.
We'd love for you to join us!

*5:30pm-6:30pm*	Cocktails
6:30pm-7:15pm	Dinner -Family Style Chicken & Barbeque Ribs
7:15pm-8:00pm	Business Meeting & Election
8:00pm-12:00am	Dance: Special Moments DJ

Tickets are available at the credit union until February 12th.
Tickets are only $10 per member and include a family style dinner,
free beer and soda after dinner and a dance / DJ to follow the business meeting & election.

Great prizes will be given away during the event! Don't miss it... Call today to reserve your seat!

Nominations Invited
Nominations for two positions on our Board of Directors are now being accepted.
Members interested in being candidates for the PCMCU Credit Union Board of Directors at the election
to be held on Saturday, February 20, 2010 at the credit union Annual Meeting,
must file their intentions and a brief biography with the Nominating Committee Chairperson
or PCMCU President Dan Wollin, no later than January 29th, 2010.

We thank you for a successful 2009, and look ahead to an exciting 2010!
Thank you for being a member of PCM Employees Credit Union.

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*Important Reminder to PCMCU members efiling their tax returns:
Please remember that if you are going to have your refund automatically deposited to your PCMCU account,
you will need to use the correct PCM Employees Credit Union routing number of 275977858,
along with your PCMCU account number.

PCM Employees Credit Union is pleased to announce
that we have added a new online service that will help bring
your debt into focus.

Debt in Focus delivers an actionable plan to help improve members’
credit profiles and reduce debt with a web-based debt management tool that:

Is completely anonymous.

Is simple to use and extremely user friendly (non-financial jargon).

Provides the end-user with a summary of their debt (totals, ratios,
estimated budget).

This service is Free to use. Try it now!

For Sale By Credit Union

You may contact Lesley Enz at PCMCU (920) 499-2831 for more information.

Employment Opportunity - No Positions Available At This Time, Thank You!