Season of Giving - Portland Federal Credit Union

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President’s Message
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Community Events
Somethin’s Cookin’ in Lowell & Ionia
It is hard to believe that we are into October but here
we are. You, our members, have been very loyal in using our
loan programs for your borrowing needs which has had a
tremendous effect on the income. Income is up from 2013
and loans are growing at record levels. We appreciate that
you trust us for your financial needs, without your continued trust and support we would not be having the success
that we are.
It is our goal to maintain current products and services
for you when financially feasible. It is amazing to me what
a lot of the new services cost but I also know it is a cost of
doing business to keep our products and services at the
level we want to provide. We have several changes on the
horizon. We will be offering a new online banking program
and a software upgrade for member services and loans to
help improve the quality of service for you. There will also
be a new pay to pay program (P2P) that will be part of the
new online banking as well as a personal financial manager
(PFM) to help with budgeting and record keeping.
The last quarter of the year will be a fun and exciting
time for us at the credit union as we wrap up 2014 and
begin looking at the expectations for 2015. It is also a busy
time for everyone as we go into the holiday season and all
the anticipation of the events to come. Please take the time
to remember why we have the season and to enjoy time
with your family and friends. Relax and enjoy these times
because the memories will last forever.
Everyone that enjoys a good time and the great
taste of chili needs to mark their calendars
and come out to support PFCU at these chili
cookoffs:
• Lowell’s Chili Madness - downtown
Lowell, Saturday, October 11th - plus live
music from 2:00-6:00 pm
• Ionia’s Chili Dawg Challenge - main street
Ionia, Thursday, Oct. 23rd - 2:00-8:00 pm
Wealth Management
For most retirees, Social Security replaces a substantial portion of pre-retirement income. Due to
limited resources in explaining and exploring
Social Security options, many retirees do not
fully understand the strategies available to
maximize their benefits. Additionally, once an
individual elects to start receiving Social Security benefits they are permanently locked into
the benefit option they selected. If you have not
started your Social Security benefits yet and are
evaluating your options, schedule a complimentary appointment with our Wealth Management
Advisor. With proper planning you have potential to increase your lifetime distributions.
Nicholas VanGeest
PFCU Wealth Management Ext. 1189
Securities offered through First Heartland Capital, Inc. Member FINRA & SIPC. Advisory services
offered through First Heartland Consultants, Inc.
Portland Federal Credit Union Wealth Management is not affiliated with First Heartland
Capital, Inc. Securities offered through First
Heartland Capital, Inc. are: not federally insured,
subject to market risk including loss of principal,
not obligations of, deposits of, or guaranteed by
the Credit Union.
Harvey Hoskins, President/CEO
Holiday Closings
Thanksgiving - Closed Thur., Nov. 27th
Fri., Nov. 28th - Lobbies Closed
Drive-thru & Phones Open
8:00 a.m. to 3:00 p.m.
Christmas Eve - Wed., Dec. 24th Close at Noon
Christmas Day - Closed Thur., Dec. 25th
New Year’s Eve - Wed., Dec. 31st, Lobbies Close at Noon, Drive-thru & Phones Open until 3:00 p.m.
New Year’s Day - Closed Thur., Jan. 1st
9077 Charlotte Hwy.
(517) 647-7571 Fax: (517) 647-2068
4035 S. State Road
(616) 527-6600 Fax: (517) 647-5226
For Portland Federal
Credit Union Members
 Westphalia Office
Of Interest
102 W. Main Street
(989) 587-5200 Fax: (517) 647-5228
October 2014
 Lake Odessa Office
2025 Lapo Road
(616) 374-0100 Fax: (517) 647-5229
“Season of
Giving”
 Lansing Office
644 Migaldi Lane Suite 100
(517) 622-0003 Fax: (517) 647-5230
 Lowell Office
11635 Fulton Suite 400
(616) 897-7323
Fax: (517) 647-5233
On-site 24 Hour ATMs at all locations
To contact any of our PFCU offices,
simply call your local branch.
During the next three months we’re holding
a fit-for-the-season contest each month.
When you stop in to any PFCU office, fill out
a ballot for a chance to WIN these prizes!
October:
wA
Pumpkin Package: a real pumpkin, a kids
pumpkin with candy & a pumpkin pie!
Lobby Hours:
9:00 a.m. - 5:00 p.m. Mon. – Thurs.
9:00 a.m. - 5:30 p.m. Friday
9:00 a.m. - Noon
Saturday
Drive-thru Hours:
Opens at 8:00 a.m. Mon. - Sat.
and closes when lobby closes
(Westphalia & Lowell branches have no drive-thru)
Winners drawn at each branch on
Fridays in October.
November:
wA
8:00 a.m. - 5:00 p.m. Mon. – Thurs.
8:00 a.m. - 5:30 p.m. Friday
8:30 a.m. - 12:00 p.m. Saturday
LUCY Audio Teller
800-647-5829 (LUCY)
complete Turkey Dinner!
50 Dinners to be given away 11-21-2014.
December:
w A Visa Gift Card for the Holidays!
Phone & Online Chat Hours:
www.pfcu4me.com
Federally Insured By NCUA
US!
 Ionia Office
24/7 PFCU Access:
NMLS #446361
2NNz3
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Experience
LIFE with
 Portland Office
Winners drawn each week in December
for a $100.00 VISA Gift Card.
IN THIS ISSUE
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10 Reasons To Switch
Credit Union Week
October Youth Promotion / VISA Gift Cards
Skip A Pay / Christmas Loan Special
Community Events / Wealth Management
President’s Message / Holiday Hours
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Credit Union Week:
October 13th - 18th
“Local Service - Global Good”
Please join us as we honor our most
valuable asset: Our Members.
YOU are the reason PFCU exists.
‘10 Reasons to Switch’
We have an ongoing Facebook campaign the “10 reasons to Switch” to PFCU.
Let us know what you like about us!
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You’ll love us
You’re our priority
Our community comes first
Free mobile banking
No application fees
Convenient banking services
You’re a shareholder
Valuable financial solutions
You’ll get great rates
You can rely on us
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October Youth Promotion
Win a $100 gift
card to
We’re serving refreshments at each
office on Thursday, October 16th
(Portland, Ionia & Lowell offices only)
Open a NEW savings account or deposit into your
current PFCU account and you are instantly entered
for a chance to WIN this great prize!
*For ages 17 and under.
®
VISA Gift Cards
One card fits all. Ideal for birthdays,
graduations, holidays, or weddings.
Perfect for all gift-giving occasions.
Movie Trivia Contest!
Check our Facebook page
every day during Credit Union
Week to see if you can identify
the ‘movie of the day.’
WIN Movie Gift Certificates to
NCG Cinema’s.
Just in time for the holidays
Skip-a-Payment is back!
Why not take a break from your loan
payment this holiday season? You can
use those funds to shop, travel home for
the holidays, or to use wherever they’re
needed!
Letters were mailed in September to
members with qualifying loans. Sign the
coupon(s) and return to any PFCU office
prior to the expiration date assigned to the
monthly payment you want to skip.
Cookie Decorating Day
KIDS, come and decorate a cookie
to take with you on Saturday, Oct.
18th between 9:30 to 11:30 am.
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VISA gift cards can be used wherever
VISA cards are accepted – including retail
stores and online merchants.
 A $30.00 processing fee (per loan) will
be deducted from your savings or
checking account (per your instructions on the coupon).
Enjoy more jingle in your pocket this
holiday with Skip-a-Pay!
Christmas Club checks will
be mailed Tuesday, Oct. 21st
Christmas Loan
Special
Why not give a person exactly what they
want, instead of trying to guess what they
want. You decide the amount, they
decide where to use it.
October 20th through December 24th
Plus, gift cards provide you with peace of
mind and unlike cash, the card can be
replaced if lost or stolen. Get your VISA
gift cards at any of our office locations!
*Annual Percentage Rate.
Some restrictions apply.
7.25%APR*
12 month repayment