Read It: May 2013 eNewsletter

	Experience It: May 2013 eNewsletter   Happy Military Appreciation Month! Throughout our long history, Pen Air FCU has enjoyed a special connection to our armed forces, so we are proud to announce a month-long celebration that will benefit you - our member - as well as local military through the USO of Northwest Florida. And don't forget to give thanks for "Mom" on May 12! At Pen Air FCU, we always keep our members in mind. Read on to see what we're up to this month.         Celebrate It: Military Appreciation Month   This Military Appreciation Month, we're showing our support for local military by offering a special month-long campaign to our members!     During the month of May, when you open an original Auto Loan for a new or used vehicle with rates as low as 1.99% for up to 60 months, you will receive a $50 Visa Gift Card. Plus, for each qualified loan of $10,000 or more, Pen Air FCU will donate $25 to the USO of Northwest Florida in honor of the men and women who serve our country.*     If you're not in the market for a vehicle, but still want to give back, we invite you to make a donation of any amount to the USO. You can even dedicate it to the service member in your life, and post his or her name for all to see on Jet Shaped coloring sheets that will be displayed in your Pen Air FCU branch.   We will also be partnering with TK101/Clear Channel to collect "Cell Phones for Soldiers" in all our branches. Look for a collection tub next time you visit your branch, or ask a Pen Air FCU employee where you can drop your old cell phone to help those abroad connect with their families at home.   Join Pen Air FCU in celebrating Military Appreciation Month - benefiting our members AND our service members!   For more information, please visit penair.org/MAM. *APR = Annual Percentage Rate. 1.99% APR is for qualifying auto loans up to a 60 month term for current year and one year old models. Monthly payment on a $20,000 auto loan with a term of 60 months at a rate of 1.99% APR would be $350.47. Loans are subject to credit approval. Rates and terms are based on an evaluation of applicant’s credit and may vary. Other conditions and restrictions may apply. Pen Air FCU reserves the right to end this offer at any time. For auto loans closed in the amount of $10,000 or more between May 1-31, 2013. Offer is not to be combined with any other Pen Air FCU offer. One offer per household. Visa® gift card cannot be redeemed for cash. $25 will be donated to the USO of Northwest Florida upon closing.           "Like" us on Facebook so we can share all the great things happening at Pen Air FCU! Learn about new products, events, money-saving tips and more!               Access It: Internet & Mobile Access One thing you may not realize about Pen Air FCU is our commitment to keeping up with the times and technology. We offer ease of accessibility 24/7 from your computer, tablet or smartphone.     (That means you can check your balance, transfer funds or apply for a loan in your pajamas!)     With online Bill Pay, you can simplify your life by scheduling one-time or recurring payments. This simple, free service can also earn you travel or merchandise points through our Premier Relationship Rewards program. At Pen Air FCU, we are where YOU are ... all day, every day. If you can't get to a branch, give our online and mobile services a try.     Click HERE to get started today!     Making a DeposIT is Easier Than Ever     If you haven't tried our remote capture service, DeposIT, you're missing out. You now have the capability to make a deposit from your home, office or on-the-go, twenty-four hours a day!     There are four simple steps to the process: Access IT Scan IT Submit IT DeposIT!     Pen Air FCU members can take advantage of this innovative and secure service to deposit checks to your accounts whenever and wherever is most convenient for YOU. Just one more way we're always thinking of our members ...     To learn more, click HERE.          Mother's Day is May 12: Say it with a Visa® Gift Card     Nothing says "I love you" like the freedom to choose your own gift! Share a little love with the moms in your life with a Visa® Gift Card, available in your Pen Air FCU branch. She can spend it anywhere Visa® is accepted, any way she likes. Happy Mother's Day, indeed.           Congratulations, Ice Flyers and Blue Wahoos!   What a year it has been for sports in Pensacola! Our Pensacola Ice Flyers are the 2013 SPHL President's Cup Champions, and our Pensacola Blue Wahoo Stadium was named BASEBALLPARKS.COM's 2012 Ballpark of the Year!     Did you know you can show YOUR spirit for the home team with a Pen Air FCU Ice Flyers Visa Platinum or Blue Wahoos MasterCard?     Learn more at penair.org/creditcards.            Getting a Head Start on the Road to Financial Fitness   We had a wonderful time celebrating our youngest members during our "Money Moves!" and "Jump into Saving!" events on April 23. Our tots and teens learned the value of saving, and they were all rewarded with $10 deposits to their Penny Savers and My2Cents accounts. At Pen Air FCU, we are proud to focus on financial literacy education for all our members, whatever stage of life you are in.     In next month's eNewsletter, look for the winner of our "Color Yourself Fit" coloring contest, as well as details on our summer Youth Club celebration, a hot event you won't want to miss!     To view happy photos from Youth Week, visit www.pennysaversclub.com and www.my2centsclub.com.       Save the Date  May 2 -  Military Appreciation Picnic - NAS May 9 -  77th Annual Meeting May 17 - Military Appreciation Picnic - Whiting May 18 - Fiesta Children's Treasure Hunt May 27 - Memorial Day (All Branches Closed)    For event information, visit www.penair.org/ontheroad or call (850) 505-3200.

Read It: April 2013 eNewsletter

Spring is finally here, and the beautiful weather may have you thinking of hitting the road, finding fun activities for your children or celebrating the ones you love. From our new auto loan rates to Youth Week events and gift cards for the season's special occasions, Pen Air Federal Credit Union is here to simplify your life. Read on to discover how.     Set Car Buying to Cruise Control With superior member service and auto loan rates now as low as 1.99% APR1, the road to financial fitness just got smoother. Whether you're buying your first car, refinancing to save money or considering a well-deserved upgrade ... we'll get you where you want to go. Get pre-approved before you shop so you'll feel confident on the car lot. Pen Air FCU now offers convenient options to suit your lifestyle. Get started now:   Visit us online at penair.org/autoloans Access our Mobile App on your smartphone Stop by your Pen Air FCU branch Call 1-877-4PENAIR or (850) 505-3200 Or, enjoy on-the-spot financing from many Gulf Coast dealerships New Deals on New Wheels from Pen Air FCU. Personal. Local. Financially Stable. Experience It.     ¹APR = Annual Percentage Rate. 1.99% APR is for qualifying auto loans up to a 60 month term for current year and one year old models. Loans are subject to credit approval. Rates and terms are based on an evaluation of applicant’s credit and may vary. Other conditions and restrictions may apply. Pen Air FCU reserves the right to end this offer at any time.   "Like" us on Facebook so we can share all the great things happening at Pen Air FCU! Learn about new products, events, money-saving tips and more!   File Fast: April 15 is Almost Here! It’s Your Money – Keep More of it with TurboTax Why spend more than you should to have someone else do your taxes for you? TurboTax® puts the power in your hands to keep more of your hard earned money, with the peace-of-mind of knowing you have experts in your corner every step of the way. TurboTax is customized to your situation, searching for the latest deductions and credits based on your job, family, and life so you know you’ll get every penny you deserve. TurboTax is there year-round with expert help when you need it, so you won’t get stuck if you have a question. All TurboTax tax professionals are experienced CPAs, EAs or Tax Attorneys.1 With TurboTax you’ll get your taxes done right. TurboTax calculations are guaranteed 100% accurate2 and you’re guaranteed to get your maximum refund – or your money back.3 Get started with TurboTax today and save! TurboTax Military Edition Now it’s even easier for active duty military and reservists to get your taxes done fast and save. NEW TurboTax Military Edition helps you keep more of your hard earned money with a customized experience that gets you military-specific tax deductions. Access TurboTax Military Edition here. 1 Service, experience levels, hours of operation and availability vary and are subject to change without notice. Tax Attorneys are not providing legal advice and are authorized under IRS Circ 230 to provide tax assistance and advice. Live tax advice is a free service. 2 Accurate calculations guaranteed. If you pay an IRS or state penalty or interest because of a TurboTax calculations error, we'll pay you the penalty and interest. 3 Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, we'll refund the applicable TurboTax federal and/or state purchase price paid. TurboTax Federal Free Edition customers are entitled to payment of $14.95 and a refund of your state purchase price paid. Claims must be submitted within 60 days of your TurboTax filing date and no later than 6/15/13. Optional add-on services excluded. Cannot be combined with TurboTax Satisfaction (Easy) Guarantee. © 2013 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2012. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties' trademarks or service marks are the property of their respective owners.         Visa® Gift Cards: Always the Right Size & Color Pen Air FCU offers gift cards for any occasion, so your loved one will have the freedom to purchase what will make them happiest. Don't forget these upcoming holidays and milestones: Graduation Mother's Day Father's Day We offer Visa® Gift Cards in all our branches. You choose the amount, and it works just like a pre-paid debit card, anywhere Visa® is accepted.    Make IRA Contributions for Tax Year 2012 by April 15 Did you know it's not too late to contribute to your IRA for 2012? The IRS allows you to make your IRA contribution for a particular year through April 15 of the following year, giving you some flexibility in terms of the timing of your annual IRA contribution. For more information about Pen Air FCU IRAs, click here. National Credit Union Youth Week: April 21-27 Each April, we celebrate our youngest members with a series of contests and events in their honor. This year's theme, "Young & Fit," will teach children the benefits of saving. Encourage the young ones in your life to sign up for our Penny Savers (birth to age 11) or My2Cents (age 12 to 17) youth clubs and get a head start on the road to financial fitness. Pen Air FCU will host the following events during Youth Week, as well as a month-long coloring contest to celebrate National Financial Literacy Month in April: "Money Moves!" Penny Savers Event Robertsdale (AL) and Nine Mile (FL) Branches Tuesday, April 23 3-4 p.m. Our Penny Savers will learn about saving through a fun game incorporating music, movement and money!   "Jump into Saving!" My2Cents Event Robertsdale (AL) and Nine Mile (FL) Branches Tuesday, April 23 6-7 p.m. My2Cents club members will enjoy an interactive presentation about setting savings goals, creating a budget and general credit union knowledge.     "Color Yourself Fit" Coloring Contest Children are encouraged to draw, color and write out how they are practicing financial fitness (i.e. ways they save, chores they complete, summer jobs they've landed) on coloring sheets available at all Pen Air FCU branches and online. Winners in each category (birth to age 11) and (age 12-17) will receive a $25 deposit to their Penny Savers or My2Cents account. You do not have to be a Penny Savers or My2Cents club member to participate, but you must open an account (with a parent) to receive a Youth Week prize deposit. For more information, visit www.pennysaversclub.com or www.my2centsclub.com.     Support Your Team or School with a Pen Air FCU Credit Card Do the Blue Wahoos make you say, "Wahooooo"? Are you a proud alum of the University of West Florida? Now you can show your support with every swipe. Pen Air FCU is proud to offer the Blue Wahoos MasterCard and University of West Florida Visa Platinum Card. Not only does your UWF Visa Card LOOK good ... it does good, too. A percentage of the transaction income earned is donated to the University of West Florida Alumni Association and the Alumni Grant program. And with your Blue Wahoos MasterCard, you'll earn CURewards® Points while showing your team spirit. We call that a home run! To learn more, click here. IdentitySecure® Available in April This month, Pen Air FCU will launch IdentitySecure® as one more way to safeguard our member-owners. Protect your identity with Triple Bureau Credit Score Daily Monitoring, Credit/Debit Card Monitoring, and Internet Social Security Number Monitoring. Visit our website for updates on this important product.

Read It: March 2013 eNewsletter

 

On your road to financial fitness, our goal is to help you achieve your goals. Is it time to implement a budget? Could you consolidate your debt with an Intro Rate Credit Card? Does springtime have you thinking of home improvement? Whatever your stage in life, Pen Air FCU is here to save you time and money. Read on to discover how.

 

Last Chance to Apply: Low Intro Rate Credit Card   Spring is almost here, and now is the time consolidate your debt - putting you one step ahead on your road to financial fitness. Now through March 31, you can apply to enjoy a LOW introductory rate of 3.90% APR for 6 Months¹, while earning CURewards® Points!   Don't miss this opportunity. Apply today! 1 The introductory rate of 3.90%APR (Annual Percentage Rate) is for all qualifying cardholders on all purchases and balance transfers made during the first 6 months, with the rate lasting for 12 months from the open date of the new account. When the introductory period ends the standard variable APR, of 8.90%-14.90% based on your creditworthiness, will be applied to all unpaid promotional balances. The standard variable APR will also be applied to all transactions made after the first six months of the account opening. Offer valid for new card members only that open an account from 10/1/12 to 3/31/13. Subject to credit approval. Additional limitations, terms and conditions apply.           "Like" us on Facebook so we can share all the great things happening at Pen Air FCU! Learn about new products, events, money-saving tips and more!           Discounts for Pen Air FCU Member-Owners, Active Duty Military and Reservists       It’s Your Money – Keep More of it with TurboTax Why spend more than you should to have someone else do your taxes for you? TurboTax® puts the power in your hands to keep more of your hard earned money, with the peace-of-mind of knowing you have experts in your corner every step of the way. Plus, as a Pen Air FCU member, you can save on TurboTax® federal products. Click here to get started. Serving Up Savings to Thank You for Your Service Now it’s even easier for active duty military and reservists to get your taxes done fast and save. NEW TurboTax Military Edition helps you keep more of your hard earned money with a customized experience that gets you military-specific tax deductions.       TurboTax Military Edition is FREE for E1-E5. E6 to E10 and Officers pay only $19.99. Access TurboTax Military Edition here. © 2013 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2012. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Other parties' trademarks or service marks are the property of their respective owners.         Bill Pay, Your Way       As a Pen Air FCU member-owner, you have the ability to access your account 24 hours a day from your desktop PC, laptop, tablet or smartphone. Just visit our convenient and user-friendly Internet Access page or download our App. From here, you can ... Check Account Balances Pay Bills or Set Recurring Payments Transfer Funds Access or Sign Up for eStatements Use Money Manager to Track Your Finances Make a Check Deposit with deposIT     We Need Your New Address!       Have you moved recently, or are you planning to relocate? Pen Air FCU must have a physical address on file as your Primary Address. If you would like to receive communications from Pen Air FCU to a P.O. Box, we will happily contact you in this manner. Just list your P.O. Box as your Mailing Address and we will update our files. Visit our website then click "My Profile" under Internet Access.       Mortgage 101: Free Home Buying Seminar  If you've been making plans to purchase a new home or refinance your existing mortage, you should make plans to join us for Mortgage 101.   Thursday, March 28       6-7 p.m.       Pen Air FCU Corporate Office   1495 E. Nine Mile Road, Pensacola       You have questions. Pen Air FCU is here to answer them. Register ONLINE!             Spring Fever: Update Your Home with a Home Equity Loan   As the days get longer and the skies stay sunnier, you might be feeling the fever to renovate your living space. A Home Equity Loan from Pen Air FCU can help you get started on your dream project, whether it's a new bathroom, a lush landscape or a complete home makeover.    Pen Air FCU offers both Home Equity Fixed Term Loans and Home Equity Lines of Credit. For more information including loan rates, call Pen Air FCU's Mortgage Department at 850-505-3200 or 1-877-4PENAIR, Ext. 5400.   Leave the financing to us ... we'll leave the heavy lifting to you!       Hitting the Green to Raise Some Green       On Friday, March 22, Pen Air FCU will host the 13th Annual Charity Golf Course benefiting the Navy-Marine Corps Relief Society at A.C. Read Golf Course onboard Naval Air Station Pensacola.       Registration will begin at 10:30 a.m., with lunch at 11 a.m. and a shotgun start to our four-person scramble at noon. Tournament fees are $75 per person or $300 per team of four. To register or sponsor, contact Melissa Dandridge at dandme@penair.org.       For more information, visit our tournament website.             Coming Soon: Pen Air FCU to Launch IdentitySecure® This spring, Pen Air FCU will launch IdentitySecure® as one more way to safeguard our member-owners. Protect your identity with Triple Bureau Credit Score Daily Monitoring, Credit/Debit Card Monitoring, and Internet Social Security Number Monitoring. Visit our website for updates on this important product.       In the News: U.S. Treasury Requires Electronic Federal Benefits Payments   If you still receive a paper check for your Social Security or other federal benefit payments, you are required by law to switch to an electronic payment method by March 1, 2013.   You can choose to get your payments by direct deposit to a bank or credit union account or to a Direct Express® Debit MasterCard® account. Act now to get your money safely and quickly – on time, every time! Already getting federal benefit payments by paper check? Switch today! You must switch to electronic payments by March 1, 2013. Sign up for direct deposit or the Direct Express® card by contacting the U.S. Treasury Electronic Payment Solution Center at (800) 333-1795. You may also sign up for direct deposit online. Retiring or applying for federal benefits soon? Be ready. You will get your money electronically from day one. Be ready to choose direct deposit or the Direct Express® card when you fill out your application.  If you do not choose an electronic payment option by March 1, 2013, you will be out of compliance with the law and may receive your payments via the Direct Express® card. If you are already receiving your federal benefit payments electronically, this change will not affect you. For more information, click here.

 

©2013 Pen Air Federal Credit Union. All Rights Reserved. This email was sent to you by Pen Air Federal Credit Union located at 1495 East Nine Mile Road, Pensacola, FL 32514. Pen Air FCU is federally insured by the NCUA and is an Equal Housing Lender. Inquire into membership for your family.