Important message to our members

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Main Office
536 North Avenue, N.E.
Atlanta, GA 30308
(404) 888-1648
(800) 876-8887
M – F: 9:00 a.m. – 6:00 p.m.
Putnam Office
1076 Lake Oconee Parkway
Eatonton, GA 31024
(706) 485-2039
M – F: 8:30 a.m. – 5:00 p.m.
www.pinnaclecu.org
Get a head start on next year’s holiday budget by signing up
for our Holiday Club Account!
Make sure you rack up presents instead of debt for the next holiday
season with a Holiday Club account. A Holiday Club keeps your funds
separate from your other savings and allows you to save a little at a time,
all year long, via payroll deduction.
For more information or to open your account today, call 404-8881648 (Atlanta), 706-485-2039 (Eatonton) or visit www.pinnaclecu.org.
Also, if you have a Holiday Club Account in effect this year, the transfer of
funds will take place on November 1, 2015, and funds will be available to
you on November 2, 2015.
Advisor 24
(404) 872-6092
(404) 872-6093
(800) 876-4443
LENDER
International Credit
Union Day is Coming
People Helping People!
Federally
insured by
NCUA
EQUAL HOUSING
We Do Business in Accordance with the
Federal Fair Housing Law and the
Equal Credit Opportunity Act
The credit union movement began 160
years ago with a simple but radical idea:
That with the help of your neighbors, you
can improve your financial well-being.
Holiday Closings
Columbus Day:
This idea of a not-for-profit financial
institution formed by regular people quickly spread.
Veterans Day:
During the Great Depression, scores of ordinary Americans—farmers, teachers,
small-business owners— found themselves without access to banking services,
so they formed their own credit unions.
October 12
November 11
Thanksgiving:
November 26 & 27
Computer Upgrade Training:
December 14
Christmas Eve:
December 24 (Close at noon)
Christmas Day:
December 25
Today there are more than 200 million credit union members worldwide—103
million right here in the U.S. But the bedrock principles of the movement
remain unchanged.
CREDIT UNIONS ARE STILL:
• People coming together to be their own bank, so no one can deny them a
path to prosperity.
• People pooling their savings to provide each other affordable credit.
• People helping people.
New Year’s Eve:
On October 15, credit unions worldwide will join in celebrating the year-round
impact of the credit union movement and its members for International Credit
Union (ICU) Day®. Visit one of our offices on October 15th to celebrate with us!
New Year’s Day:
THANK YOU FOR CHOOSING PINNACLE CREDIT UNION AS YOUR BEST
FINANCIAL PARTNER!
December 31 (Close at noon)
January 1
Fa
Is the expensive holiday season
sneaking up on you yet again?
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www.pinnaclecu.org
www.cuna.org
Important message to our members:
System upgrade on the way!
Pinnacle Credit Union will be making technology enhancements by year end
2015 by converting to a new core processing system. Conversion to the new
core will allow us to utilize new technology for processing transactions more
quickly and accurately, enabling us to build a stronger foundation for your
financial well-being.
This newsletter is the first installment of several communications you will see
throughout the conversion process. We want to let our members know that we
will use every communication method available to notify you of our progress
and update you on what you can expect from Pinnacle Credit Union.
The core processing system is the backbone operating system for all financial
institutions, housing all member transactions and data. While converting to
a new processing system is a major undertaking, we know our members will
benefit from this step forward into the future of Pinnacle Credit Union. We are
excited to bring this new level of technology to Pinnacle members.
Have we got a
holiday treat for you!
Give your home a makeover
in time for holiday entertaining
Drop that high interest rate credit card and switch to Pinnacle
Credit Union’s low interest VISA® card. You can maximize your
card benefits and minimize your holiday debt!
Don’t wait for the New Year to get started on that home remodeling project. Why
not give yourself an early holiday gift and start that project now with a home equity
loan or line of credit from Pinnacle Credit Union?
We offer:
n Rates As Low As 10.00% APR*
n No annual fee
n No fee for cash advances**
n No Balance Transfer Fee
n Member service available 24/7
n 24 – hour ATM cash access
n Score Card Reward points with every purchase
With our Home Equity Options, you can enjoy:
n Flexibility – Choose a line of credit to use
repeatedly; This loan has a 5 year draw period
and repays in 15 years
n Increased Value – Borrow up to 80% of your
home’s equity
n Tax Advantages – Interest is usually tax
deductible – Check with your tax
advisor for details
To make the switch today, visit www.pinnaclecu.org or call
404-888-1648.
*Annual Percentage Rate.
**Interest accrues from date of the advance.
Get a head start on your home project now
so you can entertain and enjoy the results
throughout the holiday season. Call
404-888-1648 or visit
www.pinnaclecu.org for more details.
Keep it safe this holiday season!
Fall into savings
with an auto loan
from Pinnacle
Credit Union
Rates as low as
2.25% APR*!
Tired of the hassle and haggling that
often comes with buying a new or
preowned vehicle at a dealership? Let
us help make the process easier. At
Pinnacle Credit Union, we offer great
low rates and competitive terms on
new and used vehicle loans.
If you’re headed out to shop cars or are
even shopping online, make sure to
visit us first to get preapproved so you
know how much you can borrow and
what your payments will be.You’ll then
be ahead of the game once you get
to the dealer. Simply find the car that
suits you and then head home in your
new wheels!
For more information or to get preapproved today, call 404-888-1648
(Atlanta), 706-485-2039 (Eatonton)
or visit www.pinnaclecu.org!
With so many consumers spending money during the holiday season, the
potential for fraudulent activity, identity theft and other dangers will surely
increase. To help avoid falling victim, shoppers should remain on alert and
keep the following safety precautions top of mind throughout the season.
alternative payment options for your holiday merchandise such as one time or multiuse disposable credit cards or money orders.
FWhen walking to your vehicle, keep your purse close to your body or wallet inside
your pocket. Keep your keys in your hand and check the back seat and around the car
before getting in. Also, try to avoid leaving your packages visible in your car windows
as this can invite car break-ins.
FIf shopping with small children, it’s a good idea to set a central meeting place in case
you become separated from one another. Teach your kids to ask mall security for help
when necessary.
FMake sure to always keep your personal information private and passwords secure.
Do not respond to online requests to verify your password or credit card information
unless you initiated the contact. Do not keep your PINs written down in your wallet
and take care to maintain your privacy when entering your PIN into a retail keypad.
FWhen obtaining cash from an ATM, observe your surroundings and minimize the time
you spend at the machine by having your card out and ready to use. Never count your
money at the ATM, instead, wait until you are safely back in your vehicle.
Dash past your loan payment
and dance into the holidays
with our Holiday Skip-aPayment program!
That’s right! Pinnacle Credit Union is offering you the chance to skip your
loan payment(s)* in the month of December, putting more money in your
pocket to use during the holiday season. Simply complete our skip-a-pay
form in the nearest branch office or online at http://www.pinnaclecu.org/
forms_app/skip-payment.php
F To better protect your cash, debit cards or credit cards, you might consider
For more information, call 404-888-1648 and speak with a Loan
Representative today!
With a No Credit Check Quick Cash loan you can borrow up to $1,500
and repay in 6 or 12 months. You must be a member for 30 days
in order to receive this loan. The loan must also be repaid through
payroll deduction.
*You must apply by November 27, 2015 to skip your December payment. Finance charges
will continue to accrue. Some restrictions may apply. A $35 processing fee will be charged for
each loan you request to skip.The $35 fee will be added to all loans to cover the loan payment
holiday. This applies to all loans except mortgage, home equity, student, land and Quick Cash
loans. All Pinnacle Credit Union accounts must be in good standing. Participating in the SkipA-Payment will extend the life of your loan. The $35 loan payment fee will increase the finance
charge for the month that it is added.
To apply for your holiday stocking stuffer cash this year, call 404-8881648 (Atlanta) or 706-485-2039 (Eatonton) today!
*All Holiday loans subject to credit approval. Quick Cash loans are a no credit check loan
.Application fees for the Quick Cash loan amounts up to $1,000 are $20 for a 6 month repayment
or $40 for a 12 month repayment. All Quick Cash loans of $1,500 carries a $50 application
fee. Interest rate for the Quick Cash loan is 18% APR. Offer valid November 1, 2015 through
December 24, 2015. Rates may vary based on credit score for the Holiday loan.
**Annual Percentage Rate.
FWhen using a drive up ATM, keep your doors locked, windows up and engine running
while waiting in line. Leave enough room between cars to allow for a quick exit should
it become necessary. If anyone or anything appears to be suspicious, cancel your
transaction and drive away.
FWhen shopping the Black Friday, Cyber Monday or other special holiday deals, make
sure to read the fine print as many of these deals can include stipulations such as
limited quantities, Internet only offers, limited purchasing hours or different return
and exchange policies. Also, pay special attention to layaway plans that can include
penalties for late payments or contract cancellations on returned merchandise.
FIf shopping online, only shop the companies you know and trust. Check for
background information if you plan to buy from an unfamiliar company and only use
secure websites for purchases that include a locked padlock icon at the bottom of the
screen or “https” in the URL address.
FWhen shopping for gift cards, understand the fees or limitations
*Annual Percentage Rate.
Stuff your stockings easier this year
by applying for our Quick Cash or
Holiday loan*!
associated with each type. Retail gift cards can only be used
with specific merchants, whereas network cards such as Visa,
MasterCard, American Express and Discover can be used
wherever the brand is accepted.
FLastly, save all of your shopping receipts so you can
compare the receipts with your bank or credit card
statements to review for unauthorized transactions.
Dormant Account Notice
Give yourself a gift this holiday season!
SAVE AN ADDITONAL .25% ON ANY
LOAN REFINANCED!*
For the entire month of November you can save an additional .25% off
the qualifying rate on any loan you refinance from another financial
institution. Then you’ll have the cash you need to truly enjoy your
annual gift shopping adventures!
n
n
n
Rates as low as 2.25% APR**
Loans are refinanced for the remaining terms of the loan
YOU DON’T PAY LONGER—JUST LESS!
This refinance offer applies to autos, boats, motorcycles, RVs or
to consolidate debt! To apply, call 404-888-1648 or visit www.
pinnaclecu.org today.
*All loans subject to credit approval.
**Annual Percentage Rate.
Refinance on auto loans of 5 years old or newer. Minimum loan is $5,000.
Any account that has been inactive for over two years is considered
an inactive account by the credit union. Under Georgia law, we are
empowered to forward to the state balances in any inactive account in
excess of five years.
All dormant accounts with no activity for two years will be assessed an
inactive account fee of $5 per month until the account balance is zero.
Any fee charges will appear on members’ quarterly statements. If a
balance remains at the end of five years, the funds will be forwarded to
the state.
If a member claims the account, an adjustment will be made based on
the dividend rate at the time and all fees will be reversed and refunded
to the members’ account unless the inactive account funds have been
forwarded to the state.
Please make every effort to maintain an active account, and please
notify the credit union of any changes of address. This notice is placed in
this newsletter each year in an effort to help you avoid dormant account
fees and/or the forwarding of funds to the state.