PSCUnow.com • 734.641.8400 September 2020       mobile menu   Fall Car Care Tips Is a CPO Vehicle For You? The Difference Between Subsidized and Unsubsidized Student Loans Benefits of Bundling Insurance The Finances of Paying Your Own Salary Which Debt Should You Pay Off First? First Time Auto Buyers! 2020 Scholarship Winners! Refinance Your Auto Loan SavvyMoney Pay Down Debt with our Amazing Introductory Rate 2020 Grand Raffle October 2020 July 2020 June 2020 [MORE] 2020 PSCU Board of Directors   Frederick W. Morgan Chairperson Jeffery King Vice Chairperson Dean J. Trudeau Treasurer Edward A. Carey, Jr. Secretary   Charles Lowler  Dale Reaume Nora Sharpley   Credit Committee Veronica Massey Huey Ferguson Juanita Henry   First Time Auto Buyers! The First Time Auto Buyers program helps young borrowers obtain their first auto loan and helps to build credit. There is no co-signer, or credit history required. This low rate loan will have you on the road in no time! Click here to apply today! *This promotion runs from July 20th, 2020 to September 30th, 2020. Must be at least 18 years of age and have verifiable income to apply. No credit history or co-signer required. Vehicles must have less than 85,000 miles. Auto insurance is required. Auto loan amounts up to $18,000 to qualified borrowers (not all borrowers will qualify). Terms up to 60 months. Fixed 8.99% APR. After 12 months of perfect payments, applicant is eligible to request a refinance rate of 7.49% APR. 10% security deposit required at closing. GAP and Extended Mechanical Repair Contracts (MRC) available at special pricing. Which Debt Should You Pay Off First? Strategies to suit your lifestyle On the surface, managing your debt can seem relatively easy — just make minimum payments. However, if you’d like to pay down your debts, you have some choices to make. Is a CPO Vehicle For You? Learn the benefits of buying a certified pre-owned vehicle Nearly 30 years ago, several automakers began implementing a new program at dealerships: instead of auctioning off trade-ins and other brand-new returned vehicles, they would resell them with added benefits. These vehicles became known as Certified Pre-Owned vehicles. Fall Car Care Tips How to take care of your vehicle as the seasons change As summer starts to slip into fall, here are some simple ways to make sure your vehicle stays in perfect health. The Difference Between Subsidized and Unsubsidized Student Loans How do subsidized and unsubsidized students loans differ? The cost of tuition, books, room and board (if applicable) add up quickly, leaving you despondent about how you will pay for school. Even with scholarships and grants, your bank account may fall short of what is due, forcing you to apply for student loans. Benefits of Bundling Insurance Reasons to consider combining insurance policies Many insurance policyholders like to sign up for coverage, set their monthly premiums to automatic payment then put it out of their mind. But it’s important to examine your policy from time to time to ensure that you’re getting the lowest rates. The Finances of Paying Your Own Salary Factors to consider before you cut yourself a check As an entrepreneur, you’ve probably considered and calculated a myriad of expenses, including the cost of inventory, rent, utilities, shipping and equipment. But have you considered how much you’ll be paid for your time and effort? 2020 Scholarship Winners! Congratulations to all of our 2020 Scholarship winners! Everyone at PSCU wishes you all the best on your educational journey. For more information on each recipient click "read more" below. Reva Borden Marissa Luzac Tyra Treadway Shane Tinsley Charles Plough Elizabeth Wadsworth May Gulley Briana Jackson Nikolas Moody Felicia Massengale Refinance Your Auto Loan Rates as low as 2.74% APR* You could put extra cash in your pocket and save money on your monthly auto loan payment! With rates as low as 2.74% APR*, now's the best time to check your rate and apply today! * Rates and financing are offered based on applicant’s credit and the term of the loan. Rates quoted are annual percentage rates (APR) SavvyMoney SavvyMoney is a completely free online-banking tool available to help you understand your credit, give you recommendations on improving your score, and give personalized offers - all in one easy to understand dashboard. SavvyMoney will even monitor and send email alerts when there has been a change to your credit profile! Just log into mobile or home banking to see your credit score. Pay Down Debt with our Amazing Introductory Rate 1.99% APR* until 2021! Summer is winding down so now is the time to check off those home projects on your list. For a limited time Public Service Credit Union will be offering the LOW RATE of 1.99% APR* until 2021 for a Home Equity Loan! 2020 Grand Raffle 2020 Grand Raffle tickets are now available at our branch locations! The Grand Prize is either $20,000 cash or $20,000 toward the purchase of a 2020 Ford Mustang or GMC Sierra 1500. Second prize is $5,000 and there will be 10 additional prizes of $1,000. Tickets are sold for $5 each or 5 tickets for $20. Visit one of our branch locations to purchase. Good luck! Published by Public Service Credit Union Includes copyrighted material of IMakeNews, Inc. and its suppliers. TELL A FRIEND       mobile menu   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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