www.ppcu.org | 800.696.6009

J U L Y 2 0 1 9

1APR=Annual Percentage Rate. For a complete list of loan and deposit rates, go to www.ppcu.org. Rates and terms are subject to change without notice. All loans subject to credit approval. Actual rate offered is determined by your individual credit profile. Loan rates, excluding Visa, and HELOC reflect 1/4% discount with a PPCU Secure Checking account and 1/4% discount for applying online.

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P O S TA LEXPRESS

A t Pacific Postal Credit Union, your home loan will be a dream come true when you take out a mortgage or refinance with us. And with our special reduced rates, you’ll be living on cloud nine:

• 30-Year Fixed Rate: As low as 3.375% (3.513% APR*)

• 15-Year Fixed Rate: As low as 2.75% (2.994% APR*)

• 5/1 Adjustable Rate:* As low as 2.75% (4.094% APR*)

Plus, whether you’re taking out a new loan or refinancing your current one, you’ll have the option of receiving either $250 cash or $500 off closing costs!*

Our experienced mortgage specialists will guide you through the process and answer any questions. These special rates won’t last long! Apply today at www.ppcu.org or call our mortgage specialists at (877) 296-8728.

*APR = Annual Percentage Rate. Promotional rates effective 6/15/2019. The displayed as low as Annual Percentage Rates reflect the interest rate and approximate cost, for a Refinance Transaction, of prepaid finance charges, including points, but does not include monthly taxes and insurance, other closing costs or discount points. The actual fees, costs, and payment on your specific loan transaction may vary and may include additional fees and costs. For Adjustable Rate Mortgages (ARMs), the loan and accompanying interest rate, points, and APRs may differ and be adjusted based upon your credit history, loan-to-value, occupancy, property type, loan amount and loan purpose. Rates are subject to increase or decrease at the end of the fixed period, may adjust annually, and are based upon an index plus a margin. ARMs are tied to the 1 year T-Note. Published Pricing and APR information is based on a Rate/Term Refinance Transaction of an Owner-Occupied, Single Family Residence and for a borrower with a minimum FICO of 740, with a loan amount of $400,000 and LTV of 60%. Rates, terms, conditions and programs are subject to change without notice. Credit and collateral are subject to approval. Terms and conditions apply. Additional disclosures are available for each loan type. Home loans are provided by Primary Partners Financial (PPF), a non-affiliated mortgage company for Pacific Postal Credit Union. We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

Mortgage Hotline(877) 296-8728

PPCU Loan RatesNew Auto: 2.99% APR1

Used Auto: 3.24% APR1

Classic VISA: 8.49% APR1

Personal Loan: 9.25% APR1

HELOC: 5.25% APR1

More rates available. See bottom of this page for more information

Holiday ScheduleJuly 4, Independence DayAugust 21, Staff TrainingSeptember 2, Labor DayOctober 14, Columbus Day

Protect Yourself From Fraud!

I f you receive a text, email or phone call requesting your personal information or money in any form (gift cards, wires, etc.), do not respond! Often scammers pretend to be a trusted source

such as a government official, distant family member or charity. If there are doubts, research the party online and independently call the company or a trusted relative to help determine if the request is legitimate. Report scams to the Federal Trade Commission at ftc.gov/complaint. And call us if you suspect your accounts or information may be compromised or at risk.

Grow Your Money Faster with These Sizzling Hot CDs

For a limited time, spice up your savings with these high-yield certificates of deposit:

2.85% APY* for 18-months 2.85% APY* for 24-months

DON’T MISS THESE HIGH RATES.

Call us at (800) 696-6009 or visit any PPCU branch to open your CD today.

Share This Offer with Family and Friends!

*APY = Annual Percentage Yield. The minimum balance to open and earn the rates stated above is $5,000 and the maximum balance is $250,000 with new money not presently on deposit with PPCU. These accounts will not renew upon maturity. Upon maturity, the funds in the CD will be placed into an interest bearing non-term account. A penalty may be imposed for withdrawals before maturity. Promotional rates effective as of May 28, 2019 and are subject to change without notice. Certain conditions and restrictions may apply. Federally insured by NCUA. Make Life a Little Bit Easier...

And secure...by taking advantage of these convenient online banking features:

• Pay Bills – Pay a bill, a business or a buddy instantly and securely

• Log In with Your Fingerprint or Face – To enable, log in to our mobile app* and visit the settings page

• Deposit Checks with Our Mobile App* – Simply take a photo of the front and back of the check and it’s done!

• Lock and Unlock your Debit Card – instantly – if the card is lost or stolen, you suspect fraud, or you don’t plan to use it for a while.

• Apply for a Loan – It’s fast and secure, plus receive .25% discount on most loans. Get quick, automatic updates on your loan status. And with e-signatures, you can finalize your loan without the need to visit a branch.

• Order Checks – Choose your check design and submit your order • View estatements – Save paper and access securely as soon as

your monthly statement is available

*Don’t have our Mobile App? Once you are registered for online banking, you can download our Free Mobile Banking App for iPhone and Android. Questions? Call (800) 696-6009 and we’ll be happy to help.

Congratulations to Our Scholarship Recipients!

Nathan Ford, Maxwell Fukada, Cedric Salvador, Claudia Stefanescu and Isabel Suizo, each received $1,000 for

their academic and personal achievements. We wish all of you the best of success.

Did you know...we also help young adults and teens jump start their savings and money management with our One Pack (age 18-24) and Teen Pack (age 14-17) of benefits that include a high-yield savings account, no-credit-required loans & credit cards (for age 18-24) and free checking with a debit card for teens age 14-17? Learn more at www.ppcu.org or give us a call.

Enjoy 15% Savings on Airport Concierge Services with Your PPCU Debit Mastercard

Make the journey through the airport stress-free

with Mastercard’s Airport Concierge™. Whether you want to be met at the plane door and fast-tracked through customs, need

assistance with baggage, or require a chauffeured vehicle upon arrival – these services and more are available to you as a PPCU Debit Mastercard holder. Now enjoy an exclusive 15% savings when booking the above concierge services worldwide. To reserve, visit www.mastercard.com/airportconcierge.

If you don’t yet have our PPCU Debit Mastercard, get yours by simply opening a PPCU Secure Checking account at www.ppcu.org. You’ll receive many additional benefits including loan rate discounts, bonus rates on selected CDs, cell phone coverage for damage or theft, identity theft monitoring and resolution services and more.

PRSRT STDU.S. POSTAGE

PAIDST. CLOUD, MN

PERMIT NO. 1208

1040 Leigh Avenue San Jose, CA 95126-4129

Cardholders that meet the incentive criteria can choose a gift card from over 30 popular merchants,** including

some of these favorites:

†

Make 5Purchase/Payment Transactions

$10

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*Offer is valid for selected debit card and cardholder referenced on postcard. In order to qualify for the promotion incentive, debit card purchases must settle between June 1-30, 2019. Purchases must occur as Signature, Credit, or PIN-based transactions. ATM related transactions are not qualifying transactions. Selected debit card spending will be tallied by Pacifi c Postal Credit Union, and earned promotion redemption code and instructions will be issued and mailed 4-6 weeks after the offer period ends. Selected debit cards that make a minimum of fi ve (5) qualifi ed purchases will receive a $10 gift card redemption code. Selected debit card is limited to qualifying for one cardholder-selected gift card redemption code. Redemption code will expire 120 days from issuance. One redemption code equals one $10 gift card.

**The listed merchants are neither affi liated with Pacifi c Postal Credit Union nor are the listed merchants considered sponsors or co-sponsors of this program. Uses of merchant names and/or logos are by permission and all trademarks are the property of their respective owners. Please see the merchant gift card/certifi cate for additional terms and conditions which may apply and which may change at merchant’s sole discretion. Merchants are not liable for any actual or alleged claims related to this offer.

† Amazon.com is not a sponsor of this program. Use your Amazon.com Gift Card* towards Books, Electronics, Music and more. The Amazon.com website is the place to fi nd and discover almost anything you want to buy online at a great price.For complete terms and conditions, see www.amazon.com/gc-legal.

Additional Terms and Conditions may apply. For more details, visit www.summerdebitpromo.com

START NOW! The offer is good June 1-30, 2019

Summertime, and the Spending is Easy!

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Sonia Kovach1425 Badingham DrCumming, GA 30041-9558

SAY19018_PacificPostal_DebitActVolume_PC_v1HR.pdf

Use your Pacific Postal Credit Union debit card ending in 1297 this

June and earn a gift card.

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Gain, Inc.

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