SmartMoney Digest. EARLY LOOK: New Beaumont Branch P.2 1ST QUARTER

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1 1ST QUARTER 2017 SmartMoney Digest AUTO REFINANCE PROMO P.2 EARLY LOOK: New Beaumont Branch January brings us a new year. It will also bring us a new branch in Beaumont! As you can see from the construction pictures above and beside this article, it is a beautiful new addition to the PECU family! We ll have more information on our website and Facebook page about the early-january transition from the old branch to the new branch. The new branch is located just south of our old location. The new address is 4215 Eastex Freeway. Please help us by letting people know we will soon be in our new home. You made this happen. Your loyalty helps us grow. Thank you very much! PECU and TPEA bring you a great night of hockey! PECU has teamed up with the Texas Public Employees Association (TPEA) and the Texas Stars an affiliate of the Dallas Stars for Texas Public Employees Night, Saturday, February 4, at the H-E-B Center in Cedar Park. This event is open to all active and retired state employees and their guests. As a thank-you for your service to the State of Texas, you may purchase tickets at the special rate of $15, and each ticket gives you a chance to win a Zamboni ride. Puck drop is at 7 p.m. Arrive early to visit the TPEA hospitality room to enjoy snacks and visit with exhibitors. Buy tickets using code TPE at TPEA is the oldest and largest advocacy organization for active and retired state employees. Founded in 1946, TPEA is a nonunion, nonpartisan membership association and has approximately 15,000 members across the state. Learn more about the benefits of TPEA membership at PAGE 3: Download our free Apple & Android mobile apps. Take PECU with you everywhere!

2 AUTO LOAn refinance promo hate your car loan? get out right now! as low as up to $300 cash INCENTIVE no payments for 90 days 1.89% APR lower monthly PAYMENTS All title transfer fees paid by PECU! Loan Amount $10,000 - $19,999 $20,000 - $29,999 $30,000 - $39,999 $40,000 - $49,999 $50, Incentive $100 $150 $200 $250 $300 Unhappy with your car loan? Have a sky-high rate? Don t let another month fly by. Get out! Refinance your non-pecu car loan at PECU. We ll give you a 90-day break from your car payments, plus up to $300! What s more, PECU will pay your title transfer fees, lower your monthly payment, and offer you a rate as low as 1.89% APR. Apply online right now, or stop by your favorite PECU lobby branch. All loans subject to credit approval. $10,000 minimum loan amount. Autos & trucks model year 2012 and newer are eligible. Up to $300 deposited in share account. Rates, terms & conditions subject to change without notice. Standard underwriting guidelines apply. Vehicles currently financed at PECU are not eligible.

3 SPECIAL EVENT Embassy Suites Hotel, 5901 I-35 NORTH (AUSTIN) PECU Annual Meeting Monday March 6, 7:00 PM We hope to see you at PECU s Annual Meeting on Monday March 6, It takes place at the Embassy Suites Hotel at 5901 I-35 North in Austin. There will be speeches from the Board of Directors and PECU President Gary Whitcomb. You can get fun door prizes and enter our drawing for cash prizes! Dinner will be served at 5:30 PM. The business meeting will start at 7:00 PM. We will be casting ballots for three Board positions that are up for election. PECU s Annual Meeting is a great way to meet other PECU members, see old friends, and celebrate your credit union. Remember, you own PECU! Can you save on your insurance? EMV credit cards update The start of the new year is a good time to compare your insurance rates. You may be able to save money, or get better coverage for the money you are spending. Your PECU membership qualifies you for $2,000 of AD&D coverage at no cost. Click the TruStage logo from our homepage. TruStage is the marketing brand for the insurance products made available through CUNA Mutual Group, including the CMFG Life Insurance Company. CMFG Life has worked with credit unions for 75+ years. PECU offers a wide range of savings through TruStage on many insurance products including auto, life, home insurance, and AD&D. Many PECU members report they saved money with TruStage. Get free quotes! PECU will replace all current credit cards by the end of February with EMV cards, regardless of the expiration date. The EMV credit cards have an embedded computer chip that provides additional security for your transactions and account information. Upon arrival, please activate your new EMV credit card and destroy your old credit card. To help protect you, PECU will deactivate your old credit card within 30 days of the EMV credit card being mailed. Your new EMV credit card will have the same card number. To activate this new EMV credit card, please call and follow the prompts. Otherwise, bring your new EMV credit card to any PECU branch office and have an employee activate it for you. Download Our App Help teach your kids and grandkids about money with kids & teen accounts. APPLE ANDROID Take PECU with you everywhere! Our secure mobile app lets you check balances, pay bills, transfer money, find ATMs, make camera phone deposits, and more from the palm of your hand! Scan the left code above for the Apple version, the right code for Android. You can also get them from the Apple Store, Google Play and our website. 3 Club Bling

4 BRANCHES & HOURS Valentine s Day Shared Branch Spotlight Fun Places With Valentine-Themed Names Are All Over The USA There are places named Valentine in a dozen states: Alabama, Arizona, Arkansas, Indiana, Louisiana, Minnesota, Montana, Nebraska, New Jersey, Ohio, South Carolina and Texas. There is a Cupid in Iowa, Nebraska and Oklahoma, while there is an Arrow in Idaho, Kentucky and Tennessee. There is Romance in Arkansas, Missouri, Oklahoma, West Virginia and Wisconsin. Colorado, Florida, Michigan and Tennessee all have a Romeo. Tennessee has Mount Juliet. Half a dozen states have Love, including Arizona, Illinois, Kentucky, Mississippi, Texas and Virginia. Five states have a Flowers: Alabama, Mississippi, New York, North Carolina and Tennessee. Did you know that you can do your PECU business in lots of these places, plus many, many more? It s called shared branching. Just show your ID and know your PECU account number. In fact, there are 5,000+ worldwide shared branches where you can do your PECU transactions just like you are at your favorite PECU branch. Visit to search exact locations. Happy Valentine s Day from PECU! For some bonus Valentine s Day fun, we found Love Lake in Missouri, Love Hill in Alabama, and Loveland in Colorado, Iowa, Oklahoma and Washington. FYI, 19 states have a Diamond. No annual fee, no balance transfer fee, and no cash advance fee! Apply online anytime. Get an APR as low as 7.99%! COMPLAINT NOTICE This credit union is incorporated under the laws of the State of Texas, and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with Public Employees Credit Union, you should first contact the credit union. If the dispute is not resolved to your satisfaction, you may contact the Texas Credit Union Department through one of the means indicated below: In Person or by U.S. Mail: 914 East Anderson Lane, Austin, Texas Telephone Number: (512) Fax Number: (512) complaints@tcud.state.tx.us Website: MAIN OFFICE 306 East 10th Street P.O. Box 2205 Austin, Texas Phone: Fax: member@pecutx.org Monday thru Friday 9 am - 5 pm CENTRAL OFFICE 1200 West 42nd Street Austin, Texas Monday thru Friday 9 am - 6 pm WALNUT CREEK OFFICE 8013 Centre Park Drive Austin, Texas Monday thru Friday 9 am - 6 pm OAK HILL OFFICE 5838 Highway 290 West Austin, Texas Drive-Up Facility Only ROUND ROCK OFFICE RM 620 North (Near intersection of 620 N & Cornerwood) Austin, Texas Monday thru Friday 9 am - 6 pm BEAUMONT OFFICE 4215 Eastex Freeway Beaumont, Texas Phone: Fax: Monday thru Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-up Hours: Monday thru Friday 8 am - 6 pm Saturday 9 am - 12 pm Upon request, members are entitled to review or receive a copy of the following credit union documents: Balance Sheet & Income Statement; summary of the most recent audit; written Board policy regarding access to the articles of incorporation, bylaws, rules, guidelines and Board policies; Internal Revenue Service Form 990. If you have questions, please contact PECU Financial Services at in Central Texas, or toll free

5 Happiness is seeing all of the things you can do with a PECU Home Equity Loan! You worked hard building equity in your home. Now, make it work hard for you. Many PECU members just like you use our Home Equity Loans for ultimate vacations, RVs, weddings, college costs, new trucks, business startups, bill consolidation, medical procedures, quinceaneras, bar mitzvahs, home improvements, swimming pools, home offices, and more. Rates are as low as 3.29% APR. Act now to get up to $300 bonus cash! Click, call, or come by to apply. Questions? Call us toll free at Rates as low as 3.29% APR Low fixed rate Borrow up to 80% LTV Loan amounts from $7,500 to $500,000 No application fee No origination fee No processing fee No hidden costs No pre-payment fee Flexible terms up to 20 years Interest paid may be tax deductible (consult tax advisor) One set monthly payment to fit your budget No standard closing cost on loans less than $100,000 All loans must be closed by 4/15/17. All loans subject to credit approval. $7,500 minimum loan amount. Up to $300 deposited in share account. Loans must be closed to receive incentive. Standard underwriting guidelines apply. To qualify for the Home Equity cash incentive and the no-closing-cost feature, all loans must be new loans or a refinance from another financial institution. Loans currently financed with PECU are not eligible for the cash incentive or the no-closing-cost feature. Rates, terms, and conditions subject to change Loan Amount Incentive $7,500-$24,999 $25,000-$49,999 $50,000-$74,999 $75,000+ $100 $200 $250 $300

6 FEBRUARY IS MEMBER APPRECIATION MONTH AT OUR WALNUT CREEK BRANCH AUTO LOANS 1.39% APR as low as ONE DAY ONLY! Special Event: WEDNESDAY FEBRUARY 1 Register to win your share of $ % Auto Loan Promotion ipad Giveaway Free Food Great Door Prizes Address: 8013 Centre Park Drive (78754) Promotions Available At Walnut Creek All During February All during February, you can get $200 for opening a new PECU checking account with a free debit card at our Walnut Creek branch! What would you do with an extra $200? See website or contact PECU for details. All during February, PECU will pay for the first purchase you make (up to $50) on your new PECU MasterCard and/or your new PECU debit card. Get a new card, then get gas, groceries or other items on us! Must apply for new cards at our Walnut Creek branch. See website or contact PECU for details. All during February, we ll put the first $10 in any new kids or teen account you open for your child or grandchild at our Walnut Creek branch. Contact PECU or see PECU website for more details.