Keynotes 1st Quarter 2016 - Atlanta Postal Credit Union

First Quarter 2016
a Tradition of Service
Our mission is to help our members achieve financial success by providing exceptional products and service.
Swap and Save Auto Loan
Promotion Extended!
Special
At APCU, our goal is to help you save and make money.
That is why we have extended our Swap and Save
Vehicle Loan Promotion.
For a limited time only, if you bring your vehicle loan
from another lender to APCU, we may be able to save
you money by offering you a lower financing rate. We
will also give you $100* for switching your vehicle loan
to APCU! Simply mention keyword “AutoPromo” when
applying.
Applying is easy. Just call one of our friendly,
knowledgeable Loan Sales Representatives Toll-free
at (800) 849-8431. Our representatives are available
24-hours a day, 7 days a week to take your application
over the telephone and process your request.
You can also apply online at www.apcu.com using
APCU’s Online Application Center. When submitting
your application online, make sure to enter keyword
Online Application Center
Apply online for a loan or open a
new account at www.apcu.com.
We are available 24-hours a day,
7 days a week!
“AutoPromo” in the comments section of the application.
You will receive a quick response to your online
application.
Swap your vehicle loan to APCU today and you may be
able to save money over the life of the loan and receive a
$100 Swap and Save Bonus, too!
This offer expires
June 30, 2016.
Act today!
* $ 100 cash back offer only available for vehicle loan amounts $10,000
and greater. Offer expires June 30, 2016.
Your New, Fast and
Easy Online
Application Center
How Strong Is
Your Computer
Password?
Computer passwords are the most common way
to prove your identity when using electronic
devices. Therefore, the use of strong passwords
is essential in order to protect your security and
identity. Here are a few tips to improve and protect
your passwords:
* C
reate a password with at least eight
characters – the longer your password, the
harder it is for criminals to guess or break.
* D
o not use numerical sequences as part of
your password.
* Change your password often.
* D
o not use your name or birthdate as part of
your password.
* C
reate a password using characters from each
of the following categories:
Character Category
Examples
Uppercase Letters
A, B, C
Lowercase Letters
a, b, c
Numbers
0, 1, 2, 3, 4, 5, 6, 7, 8, 9
Symbols found on the
keyboard and spaces‘ ~ ! @ $ % ^ & * ( ) _
+={}[]\/|:;“<
>,.?
If your password contains: Use this:
A,a
B,b
L,l
I,i
E,e
S,s
G,g
@
8
1
!
3
$ or 5
9
Create an acronym for an easy-to-remember piece
of information. For example:
* P
ick a phrase that is meaningful to you, such
as my daughter’s birthday is December 9, 2015.
Using that phrase as your guide, you might use
mdbid9/Dec,15 for your password.
* Substitute numbers, symbols, and misspellings
for letters or words in an easy–to–remember
phrase. For example, my son’s birthday is
December 9, 2015 could become Mi$un’s
Brthd8iz 12915 (it’s okay to use spaces in
your password).
* R
elate your password to a favorite hobby or
sport. For example, I love to play chess could
become ILuv2PlayCh3$$.
Passwords provide the first line of defense against
unauthorized access to your computer. If your
username and password falls into the wrong
hands, someone can fraudulently sign your
name to an online service agreement, engage
in online transactions, change your account
information, etc. Don’t compromise your identity.
Keep your identity safe by
keeping your
passwords strong.
APCU VISA EMV Cards
Are Coming
Have you heard about EMV chip cards? EMV chip cards are
credit cards and debit cards that have computer chips in
them. These cards look similar to the cards you currently
carry, but they are embedded with a small, metallic square
microchip.
Why Chip Cards?
The magnetic strip on the back of your credit and debit
cards contain “static” data, or payment data that does not
change. Some of the data stored in the magnetic strips
includes your card account number, expiration date, and
security code.
Using a chip card, each purchase or transaction you make
generates unique and dynamic data that is encoded in
a safe mode. This protects against the creation of
counterfeit cards because dynamic data is only good
for a single purchase or use.
$WODQWD3RVWDO&UHGLW8
QLRQ
Will This Change How I Pay For Things?
Not all merchants have an EMV chip reader machine. At
those merchants who do have an EMV chip reader, instead
of swiping your card, you will simply insert it into the card
reader. At merchants who do not have a EMV chip reader
machine you will simply swipe your card as you have in the
past. Detailed instructions will be provided to you when
your new chip card is reissued.
When Will I Receive An APCU
EMV Chip Card?
You will receive a new APCU EMV VISA Credit Card and/or
Debit Card when your current card expires. There is
no specific action you need to take in order to receive a
chip-enabled card.
Please contact an APCU Card Services Representative at
(800) 849-8431 should you have any questions regarding
our new VISA EMV Platinum Credit Card or VISA Debit Card.
Pin-less Debit Transactions
Have you noticed that sometimes when you use your APCU Debit Card that you
don’t have to input your Personal Identification Number (PIN)? As a result of recent
regulatory changes, some merchants are opting to switch to a “PIN-less debit” system.
With this new system, card transactions are processed without using a PIN.
PIN-less debit transactions are limited to purchases under $50.00. This is why when
you go to a fast food restaurant and/or convenience store, more often than not, your
transaction is run through as a PIN-less debit. Some big box retailers like Target and
Walmart have also begun to process small transactions as PIN-less debit.
The choice to use a PIN-less debit is made for you by merchant. Processing the
transaction this way not only speeds up the check-out process, but it also saves the
merchant money on processing fees.
Rest assured that if your APCU Debit Card transaction under $50.00 is processed as a PIN-less debit, you are still
protected by VISA’s Zero Liability policy. VISA’s Liability policy states that you won’t be held responsible for
unauthorized charges. Should you have any questions regarding your APCU VISA Debit Card, please contact
APCU’s Card Services Department at (800) 849-8431.
APCU’s Mobile Check Deposit
Convenience At Your Fingertips
In today’s ever-busy world, finding the time to
run to the credit union to deposit a check can
be time-consuming. Save yourself time with
APCU’s Mobile Check Deposit (MCD) service.
MCD allows you to deposit checks
electronically using your Smart Phone.*
It’s safe, secure, and as easy as 1-2-3!
And, there is no fee to use this service.
Step 1: Download and login to APCU’s
Mobile Branch App
Step 2: Select “Deposit Checks”
Step 3: Follow the step-by-step instructions.
Using APCU’s Mobile Branch, you can also:
• Check your account balances**
• View your account transaction history
•
•
•
•
•
•
ransfer funds between eligible accounts
T
Pay bills on the spot
View your check images
Locate ATMs and branches
Earn Purchase Rewards
Contact APCU quickly
Thanks to APCU’s Mobile Check Deposit
service and Mobile Branch, it has never been
easier to keep up with your APCU accounts
while on-the-go!
* A working Internet connection is required for use
of APCU’s mobile products. Mobile data fees may
apply.
** C
redit card available balance may not reflect the
most recent transactions.
Join the thousands of Credit Union
Members who Support Credit Unions today!
When legislation is introduced that has a potential
negative impact on the credit union industry, it is
imperative that we have supportive political leaders
we can count on to help fight for bills that are in favor
of credit unions, and against bills that are not in favor
of credit unions.
This is accomplished through contributions in support of
the Credit Union Political Action Committee (CUPAC) on
the state level and Credit Union Legislative Action Council
(CULAC) on the federal level. CUPAC/CULAC encourages
non-partisan, credit union-friendly, elected officials to
protect credit unions and their not-for-profit status.
Please help support APCU and credit unions across the
nation by making a donation. Simply complete the coupon
below and mail it back to us with your CUPAC/CULAC
donation. Every dollar counts.
Thank you in advance for your continued support of APCU
and the national credit union movement.
m YES, I Want to Help Protect My Credit Union!
Please complete and mail the coupon below along with your
CUPAC/CULAC donation to: APCU, ATTN: CUPAC/CULAC Coordinator,
400 Tradeport Blvd. Ste 401, Atlanta, GA 30354.
First Name
Because of APCU’s not-for-profit status, we are able to
offer higher returns on savings, lower rates on loans, and
most importantly, low or no fees. However, some banks
and Washington politicians, are considering an overhaul
of the federal tax code, which would result in the taxing of
credit unions.
Since credit unions are not-for-profit, taxing credit unions
could potentially destroy credit unions as we know them,
eliminating financial choice for consumers.
Last Name Member Number
Address
City
State
Zip
Employer
Occupation
Donation Options (please check one):
m One-time donation. Please transfer $
from APCU
Account #:
mO
ne-time donation. Check enclosed. Donation amount: $
.
m Quarterly deduction of: $
.$
per year.
Contributions to Georgia CUPAC/CULAC are strictly voluntary and are not tax
deductible. You have the right to refuse to contribute without any reprisal.
Dividend News
APCU paid a quarterly share dividend
of .599% with an Annual Percentage Yield
of .60% for the first quarter. Dividends
are compounded and credited to your
account quarterly.
Dividends will be computed by applying a
periodic rate to the balance in the account
for each day of the dividend period.
Deposits begin earning dividends on
the day of deposit.
This April, APCU, along with thousands of credit unions nationwide,
will be celebrating National Credit Union Youth Month. This year’s
theme, “Credit Union Strong”, celebrates credit unions as the number
one source of financial strength. And, we want you to be part of the
celebration. Here’s how:
Young members between the ages of two and 17, who pump up their
savings with a deposit of $25 or more into an existing APCU youth
savings account, or open a new youth membership with APCU anytime
during April 2016, will receive a special sporty wristband with a
message from the credit union.* It’s that easy!
Every member counts at APCU, and our young members are no
exception. Please join us as we celebrate Youth Month, April 1, 2016
through April 30, 2016, by helping all the members of your family,
including those 17 years old and younger, get financially fit by saving
at APCU. Remember, credit union membership is a gift only you can
give and it lasts a lifetime. For more information, contact us at
(404) 768-4126 or Toll-free at (800) 849-8431.
* One sporty wristband per APCU youth savings account. Primary account
owners must be between the ages of 2-17. Deposits must be received and
posted to the account between April 1, 2016 and April 30, 2016.
APCU is here to help you make the most of your hard-earned
money. Thanks to our partnership with Love My Credit Union
Rewards, there are more ways than ever to save!
To learn about the valuable discounts available to you, visit
www.APCU.com and click on the link to Love My Credit Union
Rewards. There, you’ll find all the program details and the most
current list of offers. And you get all these offers and discounts
just for being a member of APCU.
If you close your share account before
dividends are paid, you will not receive the
accrued dividends. No dividends are paid on
balances below $50.00 except on youth accounts.
Board of Directors
Moses M. Spence, Chairman
Royce L. Jackson, Secretary
Katherine S. Brown
Donald A. DeCinque
David Disharoon
J.T. Middlebrooks
H. Preston Mulkey
David ‘Jabo’ Patterson
Bud Wilkinson
Sam B. Dowdy - Director Emeritus
Supervisory Committee
David ‘Jabo’ Patterson, Chairman
Robert L. Harris, CPA
Vanessa Meek
Jimmy Peck
Janet Spruell
Credit Committee
Katherine S. Brown, Chairman
J.T. Middlebrooks
Tim Payne
Roy G. Rainwater
Betty Ranson
This credit union is federally insured by the
National Credit Union Administration.
KeyNotes is published quarterly by Atlanta Postal Credit Union.
Your comments are always welcome. Please send your comments
to the Marketing Dept., APCU,
400 Tradeport Blvd., Suite 401, Atlanta, GA 30354.
Branch Listing
MAIN OFFICE
3900 Crown Road
Atlanta, GA 30380-0001
DECATUR BRANCH
520 W. Ponce DeLeon Avenue
Decatur, GA 30031
NORTH METRO BRANCH
1605 Boggs Road
Duluth, GA 30096-4600
NDC BRANCH
1800 James Jackson Pkwy NW
Atlanta, GA 30369-9751
IBEW BRANCH
501 Pulliam Street, Suite 350
Atlanta, GA 30312-2749
MACON BRANCH
515 Mulberry Street, Suite 100
Macon, GA 31201-6306
Holiday Closing Dates
Memorial Day • Monday, May 30, 2016
Independence Day • Monday, July 4, 2016
Labor Day • Monday, September 5, 2016
Columbus Day • Monday, October 10, 2016
Veterans Day • Friday, November 11, 2016
Thanksgiving Day • Thursday, November 24, 2016
Thanksgiving Holiday • Friday, November 25, 2016
Christmas Holiday • Monday, December 26, 2016
APCU STATISTICS
(as of February 29, 2016)
Assets: $2,046,021,302
Members: 111,123
SOUTH DEKALB MALL BRANCH
2801 Candler Road, Suite 81
Decatur, GA 30034
HUMAN SERVICES BRANCH
101 Marietta Street (Centennial Tower),
Suite 140
Atlanta, GA 30303
ASHEVILLE BRANCH
591 Brevard Road, Suite 232
Asheville, NC 28806
FLOYD COUNTY BRANCH
3040 Martha Berry Hwy. NE
Rome, GA 30165
MEMBERS ALLIANCE BRANCH
6270 Bradley Park Dr.
Columbus, GA 31904
HOURS OF LOBBY OPERATION
Monday - Friday • 8:30 AM - 4:30 PM
Except for these branches:
South DeKalb Mall 9:00 AM - 7:00 PM
Asheville Branch 8:30 AM - 5:00 PM
Members Alliance Branch 9:00 AM - 5:30 PM
CONTACT US
(404) 768-4126 • (800) 849-8431
Monday-Friday • 8:30 AM - 5:00 PM
24-HOUR LENDING CENTER
(800) 849-8431
VISA CARD SERVICES
(800) 599-7889 Member Services
(800) 325-3678 Lost or stolen card
Web Site: www.apcu.com
General E-Mail: Info@apcu.com
CO-OP Shared Branches
APCU CONSUMER LOAN RATES
The information provided below is accurate as of the effective date listed. Loan rates are
quoted as Annual Percentage Rates and are subject to change without notice. Additional
rates and terms may be available. Rates shown are the lowest available for the listed term.
All loans are subject to approval of credit. Your acutal rate is based upon your credit history.
APCU is an Equal Opportunity Lender. Please call us at (800) 849-8431 or (404) 768-4126 for
more information.
Rates in effect as of March 31, 2016
Term
Index
Annual
Percentage
Rate (APR)
% Above
New and Used Consumer Secured Loans
(Auto, boats, recreational vehicles, motorcycles, etc.)
2010 and newer
≤ 35 months
36 - 59 months
60 - 83 months
≥ 84 months
1.55% - 14.95%
1.75% - 15.45%
1.95% - 15.95%
3.95% - 16.45%
2009 and older
6.90% - 17.90%
Personal Loans
Up to
72 months
100% Share/Certificate Secured Loans*
Up to
72 months
6.90% - 17.90%
Index +
2.00%
* Share Secured: The APR will be the dividend rate paid on regular shares the previous quarter (Index) plus the percentage
shown in the table above under the “% Above Index” column. The rates are subject to change quarterly on the 1st day of
January, April, July, and October to reflect any change in the Index. Any increase in the APR will result in more payments of
the same amount until what you owe is repaid.
Certificate Secured: The APR will be the dividend rate being paid on the Certificate offered as security (index) plus the
percentage shown in the table above under the “% Above Index” column. The Certificate must either be renewed until the loan is
completely paid or be rolled over into a Share account, at which point the loan will become a Share Secured loan and be subject
to those terms. Failure to renew the Certificate or roll it over to a Share account will result in default under the Plan. When the
Certificate is renewed, the APR will change to reflect the new dividend rate and the index. Any increase in the APR will result in
more payments of the same amount until what you owe is repaid. The present APR and daily periodic rate for Certificate Secured
loans will be disclosed on the voucher at the time the loan is closed.