734.641.8400 November 2019
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October 2019
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2019 PSCU
Board of Directors
Frederick W. Morgan

Jeffery King
Vice Chairperson

Dean J. Trudeau

Edward A. Carey, Jr.
Charles Lowler
 Dale Reaume
Nora Sharpley
Credit Committee
Veronica Massey
Huey Ferguson
Juanita Henry

As real estate values rise, many of you may be asking yourself if a HELOC, or Home Equity Line of Credit, is the best option for home expenses. What you may not know is that this line of credit could also help you pay down debt, take that dream vacation...the sky's the limit! If you are considering a HELOC, then you are in luck! PSCU has a limited time offer of just 1.99% APR* until 2020. If you are interested in looking further into this great program, click here!

Smart Spending in the Holiday Season
Making sure the spirit of giving doesn’t haunt you with debt

By following some simple strategies, you can make sure you satisfy your shopping list without going over your budget.

Home Down Payments and Alternatives
How to handle one of the biggest hurdles between you and home ownership

Among the most challenging hurdles to overcome on your path to home ownership is the down payment. If you’re struggling with your down payment, you’ve got some options you can consider.

Everything You Need to Know About Smart Home Devices
Here’s what the commercials don’t tell you

Smart home devices offer unprecedented convenience and connectivity. However, with an ever-growing selection of smart home devices on the market, it can be tough to know where to start.

Volunteer Ideas for the Holidays
Volunteer ideas to celebrate the season of giving

The holidays can be a whirlwind of activities, but one way to appreciate the season of giving is to give back.

401(k) Strategies As You Age
How you should invest in your retirement over time

Where your money is being invested and at what age you’re investing it matters, so it’s important to assess the best 401(k) strategies available to you as you get older.

Short-Term vs. Long-Term Disability Insurance
Should you invest in short- or long-term disability insurance?

No one wants to think about something happening that could impact their ability to work and earn a paycheck. Unfortunately, bad things happen, and the only thing you can do to help when the unthinkable occurs is to plan ahead.

5 Tips for Saving on a Low Income
Increase your savings with these simple tips

If you have a lower income, it can seem difficult to put aside money. However, by reducing certain expenses and changing your purchasing habits, you can save money over time.

Round Up

New to PSCU! Members can opt into our new Round Up program beginning November 15th. Once you sign up, every debit card purchase will be automatically rounded up to the nearest dollar, five dollars or ten dollars (depending on your preference). That change will then be deposited into a savings club account just for you. You will see your savings add up in no time! You can sign up after November 15th online or in any of our 15 branches.

The Pink Fund

Throughout the month of October the PSCU Team showed their support for The Pink Fund by selling PSCU Cares pink bracelets and scarfs. We are happy to announce that because of our members generosity we were able to present a check for $4,500 to The Pink Fund! We would like to say thank you to all of our members who participated in this wonderful and important cause. For more information on The Pink Fund and how you can donate visit

Now Available at All Branches!

Get your holiday shopping started right by purchasing one of these adorable plush's! All funds will go to the Michigan Credit Union League to raise awareness of credit unions and their causes. Pick one up at any of our 15 convenient branch locations!

2020 Board of Directors Elections

Considering running for the PSCU Board of Directors? Elections will be held during the Annual meeting on January 21st, 2020. If you would like to run for a Board position, you can pick up a petition from Donna Follbaum at the Administration office after November 4th, 2019. The petition must be returned no later than December 4th, 2019 at 4:00pm with signature of 652 bona fide Public Service Credit Union members. To run, you must be at least 18 years of age and a PSCU member in good standing. Board of Directors members running for re-election this year are Jeff King, Nora Sharpley and Dean Trudeau.

The Annual Meeting will be held at the Romulus Branch located at 7665 Merriman Rd.

We would like to encourage your attendance and participation.

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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  

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