1. finance
2. personal finance
3. lending
4. credit cards

Keynotes
4
Third Quarter • 201
Class of 2015 – New
Vehicles Are Ready to Roll
Buying a new car at the right time can really pay off.
Buyers who catch the dealer at just the right time can save
hundreds or even thousands of dollars on their new-car
transactions. We know that new-model-year vehicles are
rolling into dealers’ inventories during the late summer or
early fall months. The arrival of the new model year
vehicles makes this a smart time to buy a car, truck,
van, or SUV.
Are you in the market for a new vehicle? With dealers
discounting prior year model vehicles to make way
for the arrival of their 2015 stock and APCU’s great,
easy-on-the-pocket financing plans, now is the time to act!
Applying at APCU is easy! Just call one of our friendly,
knowledgeable Loan Service Representatives Toll-free
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at (800) 371-6917. Our representatives are standing by 24/7
to take your application over the telephone and process your
request. Or, stop by and visit us at any one of our branch
locations to get your application started today. Applications
are also available online at www.apcu.com by clicking on the
Minute Money Loan icon. You will receive a response to your
online application in 90 seconds or less.
Even if you are not quite sure of the exact model vehicle you
want, or how much money you can afford to spend, APCU
can help by prequalifying you for a new or pre-owned vehicle
loan. Once you know how much you can comfortably pay for
a vehicle and what your approximate payments will be, you
can shop with confidence and you’ll be in a greater negotiating
position at any dealership.
Why wait? Apply today!
* APR – Annual Percentage Rate. Loan rate is quoted as an Annual Percentage Rate and is subject to change without notice. Rate example is quoted for a 2010 and newer model year auto with a
36-month repayment period. Estimated monthly payment on a 36 month loan at 1.55%= $29.00 per $1,000.00 borrowed. Additional rates and terms are available. Ask for details. Rates shown are the
lowest available for the listed term as of August 30, 2014. All loans are subject to approval of credit. Your actual rate is based upon your credit history. APCU is an Equal Opportunity Lender.
Delivering exceptional service to members and their families since 1925.
Make an APCU VISA® Credit Card
Your Holiday Companion and Earn
Double VISA Rewards
Bonus Points
When you’re out shopping for family and friends
this holiday season, take along your VISA Credit
Card from Atlanta Postal Credit Union (APCU).
You’ll enjoy convenience and security and you’ll
earn double VISA ScoreCard Rewards Bonus
Points every time you use your APCU VISA for
your holiday purchases.
• Your APCU VISA Credit Card is accepted
worldwide. No matter where you shop, dine, or
travel, your credit union VISA is the safest, fastest
way to make all of your holiday purchases. And,
when you use your VISA card, we’ll award you
two points for every dollar you spend during the
holiday season, October 1, 2014 through
December 31, 2014.
• Our VISA Credit Card is easy to use,
easy to carry, and easy to replace should it
become lost or stolen.
• You can get cash quickly from ATM machines
and financial institutions displaying the
VISA logo*.
• With APCU’s low, low VISA Credit Card
rates, you can pay for your holiday spending
over time making it easy on your budget.
• You can redeem your VISA ScoreCard
Rewards Bonus Points for valuable gifts,
adventures, and travel.
So, before you head off to the mall or your
favorite specialty shop, or start making your
holiday travel plans, be sure you have your
VISA Credit Card from Atlanta Postal Credit
Union handy. If you don’t have an APCU VISA
Credit Card, call us for information.
* Cash advances and ATM withdrawals are not
eligible for ScoreCard Reward Bonus Points. The
double Bonus Points promotion period runs from
October 1, 2014 through December 31, 2014.
A $5.00 cash advance fee may apply.
Credit Unions: Local Service, Global Good
International Credit Union Day
OCTOBER 16, 2014
®
200+ million
people worldwide choose a credit union
Connect Using #ICUDay
On October 16, 2014, Atlanta Postal Credit Union (APCU)
and credit unions around the world will celebrate International
Credit Union (ICU) Day. This year’s ICU Day theme is:
“Local Service, Global Good”. At Atlanta Postal Credit Union,
we take pride in our heritage as a cooperative financial
services provider and our connection to credit unions
and the communities we serve, worldwide.
Credit unions offer their members much more than financial
services – they provide opportunities to create better lives for
members and their families. Help us celebrate International
Credit Union Day by inviting your relatives from near and far to
join APCU and become part of the global credit union
movement. Contact our Member Service Department for more
information at (404) 768-4126 or Toll-free at (800) 849-8431.
GLOBAL GOOD.
Local Service.
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Skip-a-Payment: Extra Cash When You Need It Most!
The holiday season is fast approaching. Wouldn’t it be great if you could skip your consumer loan payment
and have some extra cash for gift buying? Well, we have some good news for you. With APCU’s
Skip-a-Payment program, you can!*
Skip-a-Payment allows you to defer payments on certain consumer loans
with the credit union up to twice a year. You can choose whichever
two months you like, as long as they are not consecutive months.
There is a $25.00 processing fee for each loan payment you choose
to postpone. More details about APCU’s Skip-a-Payment program
are available online at www.apcu.com. Or, you can call us at
(800) 849-8431 to learn more on how our Skip-a-Payment
program can help free up the cash you need, when you need it.
* Finance charges will continue to accrue. Deferring a payment will result in
higher total finance charges than if you made payments as originally scheduled.
This payment will extend the term of your loan. You agree to resume your
regular payment schedule after the “skipped” month. Other conditions apply.
Please call for further information.
ON
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Y
Is Homeownership
in Your Future?
2015 Calendars
Arriving Soon
One APCU 2015 calendar will be
mailed to each qualified household
during the last week of November
2014. Extra calendars may be available
after January 1, 2015. Please call our
Member Service Department at
(404) 768-4126, or Toll-free at
(800) 849-8431 to request an
additional calendar, if needed.
Supplies will be limited.
Tim Payne Appointed
To APCU’s Credit
Committee
Mr. Tim Payne, long time credit union member,
has been appointed to APCU’s Credit
Committee.
Mr. Payne began his career as a Letter
Carrier with the United States Postal Service
(USPS). He moved from that position to Postal
Clerk and then into Postal Supervisor. Mr.
Payne retired from his last position with the
USPS as a Postmaster, after completing 33 ½
years of service.
We are very pleased Mr. Payne has agreed to
share his skills and talents with us as a member
of our Credit Committee. We know his
loyalty and dedication to the credit union and
its members will be a valuable asset to our
organization.
Don DeCinque
President / CEO
If a new home is in your future, APCU is here to assist you every
step of the way. The process of finding the right home, arranging
for financing, and closing the deal can be a bit overwhelming, but
if you learn about and understand the process, it will become much
less intimidating.
• Save for a down payment and other home-related costs. Make
saving a regular habit by setting aside a part of your pay every
payday. The earlier you start, the more cash you will have for a
home.
• Build your credit score. People with credit scores above 720
usually get the best interest rates. If you had credit problems in
the past, paying off collection accounts can boost your score and
make it easier to get a mortgage.
• Let APCU preapprove your loan. While you can apply for a
mortgage after you make an offer on a house, consider getting
preapproved for one beforehand. Being preapproved helps you
determine what you can afford and can strengthen your offer.
• Look for the perfect property. Plan ahead before you search.
Think about what features you want in a house, and keep your
budget in mind. A real estate agent or broker can be a valuable
asset in your home search. Once you find the home you want,
make an offer.
• Move forward into the pre-closing period. Once your offer is
accepted, notify APCU that you found a home. Make sure to
provide the credit union with the information we need to
expedite your application process.
• Get ready for closing. “Closing” is the day that the mortgage is
finalized, and the title of your new home is transferred to you.
There is much paperwork to sign, but take the time to read and
understand everything. After you sign all of the documents, the
keys to your new home will be in your hands!
You do not need to go through the process alone. As a benefit of
belonging to Atlanta Postal Credit Union, you have access to
BALANCE, a free financial education and counseling service.
BALANCE’s certified counselors can answer your questions,
review your credit report, and help you create a budget. You
can also visit BALANCE online for homeownership articles
and mortgage calculators. Call (888) 456-2227 or visit
www.balancepro.net for more information. Then, when you
are ready to make your move, call APCU. We offer mortgage
programs that are affordable, feature flexible repayment plans,
and work well within just about anyone’s budget.
Loan Application
Dividend News
Please Print
APCU paid a quarterly share dividend of
.499% with an Annual Percentage Yield of
.50% for the third quarter. Dividends are
compounded and credited to your
account quarterly.
Name:
Member #:
D.O.B.
S.S. #
Address:
City:
County:
Home Phone: (
)
State:
Zip:
Work Phone: (
)
Purpose of Loan:
Approx. Term:
Amount Requested:
Security Offered:
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.
Employer:
Address:
City:
State:
Position:
Length of Employment:
Zip:
Income (current):
Additional Income:
Source:
Total Current Annual Income:
Debts
Lender
Balance
Payment
Mortgage/Rent
2nd Mortgage
Auto
Auto
Total
Ask us about our Debt Protection Plan.
Payment Options (check one):
❒ Deduct monthly from
❒ Savings
❒ Checking
❒ Payment date requested: __________
❒ Deduct biweekly from
❒ Savings
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.
❒ Checking
❒ Pay direct by mail or in person
I understand that the credit union will retain this application whether
or not it is approved. The credit union is authorized to check my
employment history and credit report.
Signature:
For a mortgage application, call (770) 921-7091 or Toll-free
(800) 849-8436.
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
Herbert W. MacNabb
John McCormack
H. Preston Mulkey
Credit Committee
Katherine S. Brown, Chairman
George Lamar
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., Atlanta Postal CU,
400 Tradeport Blvd., Suite 401, Atlanta, GA 30354.
Branch Listing
MAIN OFFICE
3900 Crown Road
Atlanta, GA 30380-0001
(404) 669-2750 FAX
DECATUR BRANCH
Decatur, GA
NORTH METRO BRANCH
Real Estate Department
Business Lending Department
Duluth, GA
NETWORK DISTRIBUTION CENTER
BRANCH
Atlanta, GA
IBEW BRANCH
Atlanta, GA
MACON BRANCH
VISA Department
Drive-Up Window Service
(this location only)
Macon, GA
SOUTH DEKALB MALL BRANCH
Hours of Lobby Operation
(this location only)
Monday-Friday • 9:00 AM - 7:00 PM
Decatur, GA
HUMAN SERVICES EMPLOYEES’
BRANCH
Atlanta, GA
Holiday Closing Dates
Columbus Day • Monday, October 13, 2014
Veterans Day • Tuesday, November 11, 2014
Thanksgiving Day • Thursday, November 27, 2014
Thanksgiving Holiday • Friday, November 28, 2014
Christmas Eve • Wednesday, December 24, 2014
Christmas Day • Thursday, December 25, 2014
APCU Statistics (as of August 31, 2014)
Assets: $2,067,994,303
Members: 112,067
APCU Loan Rates
This information is accurate as of the effective date listed below. The terms may change after that date.
Please call us at (800) 849-8431 or (404) 768-4126 for additional information.
Term
New and Used Auto Loans
2010 and newer
$25,000 and over
2009 and older
FLOYD COUNTY BRANCH
Rome, Georgia
MEMBERS ALLIANCE BRANCH
Columbus, Georgia
CONTACT US
(404) 768-4126 • (800) 849-8431
Hours of Lobby Operation
Monday-Friday • 9:00 AM - 4:30 PM
Telephone Service
Monday-Friday • 8:30 AM - 5:00 PM
24-HOUR LENDING CENTER
(800) 371-6917
VISA CARD SERVICES
(800) 599-7889 Member Services
(800) 325-3678 Lost or stolen card
assistance only
Web Site: www.apcu.com
General E-Mail: Info@apcu.com
% Above
Index
Annual Percentage
Rate (APR)
36 mos.
48 mos.
60 mos.
72 mos.
84 mos.
48 mos.
60 mos.
1.55%-12.75%
1.65%-12.75%
1.75%-13.50%
2.00%-14.25%
2.75%-15.25%
4.00%-14.00%
4.50%-15.50%
48 mos.
60 mos.
120 mos.
6.50%-14.50%
7.00%-15.00%
7.75%-15.75%
36 mos.
48 mos.
8.40%-15.40%
8.90%-16.90%
Other Collateral Loans*
$35,000 and over
ASHEVILLE BRANCH
Hours of Lobby Operation
(this location only)
Monday-Friday • 8:30 AM - 5:00 PM
Asheville, NC
Discount
Personal Loans
Share or Certificate Secured**
100% of balance on deposit
2.00%
Partially Share Secured***
75% of balance on deposit
50% of balance on deposit
25% of balance on deposit
36 mos.
36 mos.
36 mos.
2.00%
1.50%
1.00%
75% of balance on deposit
50% of balance on deposit
25% of balance on deposit
48 mos.
48 mos.
48 mos.
2.00%
1.50%
1.00%
Rates are current as of September 30, 2014
* Other Collateral: Motorcycles, Personal Watercraft, Recreational
Vehicles, Campers, Boats, Motor-homes, Travel Trailers, and Farm
Equipment.
** Share Secured: The APR will be the dividend rate paid on regular
shares the previous quarter (Index) plus the percentage shown in the
“% Above Index” column above. If there is an existing balance on the
date of the new advance, the existing balance will be added to the
new advance and the entire amount will be at the new APR. 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 plus the percentage shown in the
“% Above Index” column above. The Certificate must either be renewed
until the advance is completely paid or be rolled over into a share
account, at which point the advance will become a Share Secured
advance 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. 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 advances will be disclosed on
the voucher at the time of the advance.
*** Partially Share Secured: The Annual Percentage Rate will
be the Personal Loan rate for which the applicant qualifies minus
the discount percentage shown under the “Discount” above.
Payment example: Estimated monthly payment on a 36-month
loan at 3.99%=$30.00 per $1,000.00 borrowed.