Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency THE CREDIT UNION Q U A R T E R LY DECEMBER 2012 MAILING ADDRESS: P.O. Box 16345 • Pittsburgh, PA 15242 MAIN OFFICE: 1920 Cochran Road Pittsburgh, PA 15220-1101 Phone: 412-344-3406 Fax: 412-561-3961 Phone-A-Teller: 1-866-470-7407 HOURS: Mon. thru Fri: 8:30 to 4:00 Thursday evenings until 6:00 (Cochran Road Branch ONLY) e-mail: info@trivalleyservice.com website: www.trivalleyservice.com wanted! auto loans and high rate credit cards from other institutions BRANCH OFFICE 3045 Chartiers Ave. Pittsburgh, PA 15204-0350 412-771-9952 HOURS: Mon. & Fri: 8:30 to 4:00 Wed: 8:30 to noon We know that you have auto loans from other institutions. WELL, WE WANT THEM!! We offer auto loans as low as 2.05% APR*! Call one of our loan specialists today to find out if we can beat the loan financing you are presently in. Why Wait!! Call us today. We may be able to save you money on your monthly installments and help you pay your loan off sooner. Attractive financing rates on used auto loans as well. *APR - Annual Percentage Rate. Rates subject to change. The actual rate and payment will reflect on individual’s circumstances and credit score and may be higher than the rate shown. WE HAVE TAKEN THE TVS VISA CARD TO NEW LIMITS!! We are offering a 3.99% APR balance transfer program*. Refinance your higher rate balances with us. Call one of our VISA Specialists for more information. *3.99% APR balance transfers are being offered for a 36 month term. Once term has expired, balances will convert to either 8.99%, 11.25% or 15.25% APR according to individual credit score. Scores are obtained from Trans Union Credit Scoring models. Current TVS Visa accounts are not eligible for this program. Accounts must be from another financial institution. Being offered for new money only. See our Loan Special on page 4! DON’T WAIT - THIS IS A LIMITED TIME OFFER ONLY!! 70590A1212 GM IS OFFERING INCENTIVES TO CREDIT UNION MEMBERS ON SELECT MODELS OF NEW CARS. Visit www.lovemycreditunion.com for additional information or to obtain a Credit Union certificate for use at the dealer. Information regarding GM deals and other Credit Union member discounts through the Invest in America campaign can be obtained from our website at www.trivalleyservice.com and clicking on the links tab. If additional assistance is needed to obtain the GM Discount Certificate, please call the credit union at 412-344-3406. GO DIRECT! For your Federal Benefit Payments, Social Security, SSI, Veterans Affairs, Office of Personnel Management and Railroad Retirement Board. If you currently receive benefit payments by paper check, you must switch to electronic payments before the March 1, 2013 deadline. Switching from checks to direct deposit is fast, easy and free at www.GoDirect.org or by calling 1-800-333-1795 or the Credit Union. Taking this action is SAFE. It lessens your chances of becoming a victim of fraud. ATTENTION TRI-VALLEY SERVICE MEMBERS: Effective January 1, 2013 we will be offering evening hours at our Cochran Road branch ONLY. Credit Union business can now be conducted Thursday evenings up to 6:00 pm. Visit us on the web @ www.trivalleyservice.com KIDZ CLUB UPDATE Winners of our Thanksgiving Coloring Contest were: AGE GROUP NAME 11-12 Madison S. 8-10 Jenna B. 5-7 Deondre R. 2-4 Mariyah C. Each winner received a $20 deposit into their credit union account. Stay tuned for our next offer. Hint is: Hippity Hoppity TTYL Mark your Calendar for our Annual Meeting The Annual Meeting of Tri-Valley Service Federal Credit Union will be held on Wednesday, April 10, 2013 at 5:00 pm. Meeting will be held at the Credit Union office on 1920 Cochran Road, Pittsburgh. Election of officers will be held. Members interested in running for a vacancy should contact the Credit Union office for further details. Tri-Valley Service F.C.U. Staﬀ and Board would like to wish all our members a safe, happy, healthy and prosperous New Year! CO R A RN TE ER 1st QUARTER 2013 DIVIDENDS REGULAR SHARES 0.11% APY ($101.00 and over.) SHARE CERTIFICATES Available for 6, 12, 18, 24, 36, 48 and 60 month terms. Call the office for current rates. IRA’S & IRA SHARE CERTIFICATES 0.17% APY IRA Certificates available for 12, 18, 24, 36, 48 & 60 month terms. Call the office for current rates. CHRISTMAS & VACATION CLUBS $25.00 min. . . . . . . 0.15% APR posted annually Christmas Clubs posted 10/15 Vacation Clubs posted 3/31 Dividends are posted to regular share accounts on a quarterly basis with a day-in, day-out affect. Dividends are subject to change and could be affected by the need to fund regular reserves. NOTICE TO SHARE CERTIFICATE HOLDERS • Share Certificates will be compounded quarterly (exception being members requesting Share Certificates under the dividend check plan.) APY - Annual Percentage Yield APR - Annual Percentage Rate Coming Soon to your Credit Union . . . “MOBILITI” This is mobile access at its finest. WAKE UP THOSE DORMANT ACCOUNTS April 15th is the state mandated deadline! Tri-Valley Service FCU is required to report Unclaimed Property (escheat) to the Pennsylvania Department of Revenue for accounts that have been “dormant” for the last five years. An account is considered dormant if there have been no withdrawals, deposits or transfers made during this period. The best way to be safe is to WAKE UP your account by making a deposit and watching your TVSFCU accounts grow. If you are unsure of the status of your account please contact your local office or call 412-344-3406. LET US HELP YOU! We know and understand that times are tough and saving now a days can be even tougher. Why not consider having your paycheck direct deposited into your Credit Union account and have automatic transfers set up for a sub account? Did you know that your Credit Union offers Christmas and Vacation clubs? Maybe there is a certain something that you have been thinking about purchasing. Why not start today down the saving path. Sub accounts are easy to set up. Your Credit Union Representative is just a phone call away to help you with this. With direct deposit and direct transfers into the accounts all you have to do is sit back and watch them grow! Once again Tri-Valley Service Credit Union is looking out for your best interest, and we mean that literally! ATTENTION ALL SHARE CERTIFICATE HOLDERS: Tri-Valley is now offering our investors a one-time bump up option on certificate purchases. One example would be locking into a longer-term, higher earning investment just to realize that the rates have gone up during the term of this entity. Now our members will have the ability to utilize our new bump up opportunity to avoid closing the investment and being assessed a fee in order to re-invest at the higher rates. Call the Credit Union for details about this new program. FRAUD ALERT 2013 Holiday Closing Schedule Recently some card issuers and financial institutions across the industry have experienced an increase in attempts by unknown fraudsters to break the card verification value/card verification code (CVV / CVC) on compromised cards, and thereby to commit card fraud, including ATM fraud. This attempt to commit fraud is commonly known as a “brute force attack”. To execute these crimes, email is often used to transport phishing scams and malicious software (malware) to obtain personal information including personal identification numbers (PINs) and to take over legitimate merchant accounts to test the compromised cards. You can help to reduce the likelihood of the success of these attempts to commit fraud by being alert for email that (1) contains unfamiliar or suspicious links or attachments, (2) is unsolicited and/or from an unknown sender, (3) is sent multiple times from different senders, or (4) contains poor grammar or incorrectly spelled words. If you receive email that contains any of these elements or any combination of these elements, you should delete it immediately. Do not open it, click on the links or open any attachment. You should not attempt to reply to the email or forward it to anyone.” New Year’s Day . . . . . . . . . . . . . . . . . . . .Tuesday, January 1 Martin Luther King Jr. Day . . . . . . . . . . .Monday, January 21 President’s Day . . . . . . . . . . . . . . . . . . .Monday, February 18 EARLY CLOSE - Good Friday . . . . . . . . . . .Friday, March 29 Memorial Day . . . . . . . . . . . . . . . . . . . . . . . .Monday, May 27 Independence Day . . . . . . . . . . . . . . . . . . . .Thursday, July 4 Labor Day . . . . . . . . . . . . . . . . . . . . . .Monday, September 2 Columbus Day . . . . . . . . . . . . . . . . . . . .Monday, October 14 Veterans Day . . . . . . . . . . . . . . . . . . . . .Friday, November 11 Thanksgiving . . . . . . . . . . . . . . . . . .Thursday, November 28 Day after Thanksgiving . . . . . . . . . . . . .Friday, November 29 EARLY CLOSE - Christmas Eve . . . .Tuesday, December 24 Christmas Day . . . . . . . . . . . . . . .Wednesday, December 25 EARLY CLOSE - New Years Eve . . .Tuesday, December 31 EARLY CLOSE - 12:00 PM Tax Relief LOAN SPECIAL! Borrow up to $4,000 for 12 months at a low rate of 3.99% A.P.R. or from 12 to 18 mos. at 4.99% APR Some credit restrictions apply. Rates are subject to change. Welcome! Our new member companies: • J.B. Auto Care • Fire and Ice Heating & Cooling • James Coletta, Attorney-at-Law Attention Member Companies: Tri-Valley Service F.C.U. would like to give our member companies the opportunity to spotlight their business in our quarterly newsletter. If you are interested in having your business recognized, submit a brief summary along with your contact information to: Laurie Ali, Marketing Coordinator Tri-Valley Service F.C.U. P.O. Box 16345 Pittsburgh, PA 15242 OR email to info@trivalleyservice.com Please limit your information to 5 or 6 lines. All information will be verified before publication. Please note that this advertising should not be viewed as a direct endorsement by Tri-Valley Service F.C.U., but simply as another service provided to our field of membership. 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