Member Newsletter Winter 2014/2015 www.plaindealercreditunion.com Happy New Year! The PDFCU would like to thank our members who helped make 2014 a successful year for the credit union. Whether you’re a long-time, or new member of the PDCU family this year, we appreciate your membership, and that you choose to support your local community through us. On behalf of the staff and the board of directors, we wish you a Safe, Happy and Prosperous New Year. Holiday Coloring Contest Thank You to all of the children who entered the Fall Coloring Contest. We received many beautiful colored pumpkins and turkeys. Show us your artisitic talent, and why the holidays are a special time for you and your family. Open to members and non members up to the age of 12. All who enter will have $5.00 put into their PDFCU account, one entry (1) per person (they can color both but we will only give one cash incentive). If they are not a member, we will open an account for them and deposit it to the account. Accounts must remain open for 12 months. EVEN MORE Benefits to becoming a PDFCU Member Auto, Home and Health Insurance with Now as a Plain Dealer Federal Credit Union Member, you have the opportunity to save money on your car and home insurance, PLUS, a gateway to affordable Health Insurance. Yet another reason to like your credit union: You could save up to $427.96 on average with the TruStage Auto & Home Insurance Program. Combine auto and homeowners coverage and you could save even more. Besides discounted rates, you could get: • Air bags, automatic seat belts discount The online interface provides tools to help you make an informed choice about a health insurance plan and can determine if you may be eligible for financial assistance. And even if you don’t qualify for financial assistance, the TruStage Health Insurance Program can still help you find a great health insurance value. • Auto and home multi-policy discount The open enrollment period created by the Affordable Care Act only runs from November 15 to February 15. We want you to be aware of this limited window to get coverage. • Auto and home anti-theft devices discount For more information and to sign up for important • Anti-lock brakes discount • Home safety devices discount • Good student discount (B+ or above) TruStage Health Insurance Program Under the Affordable Care Act (ACA), health insurance coverage is mandatory for nearly every American. If you need health insurance, the TruStage Health Insurance Program can help simplify your search. The TruStage Health Insurance Program is powered by GoHealth, a national leader in helping people find health insurance plans. Step-by-step assistance and advice is available both online and over the phone. email alerts, visit TruStageHealth.com. You can also call toll-free at 1-888-416-2166 for assistance. Credit unions like ours make TruStage insurance programs available because they’re founded in value, honesty and knowledgeable support. TruStage and the companies behind it were formed by credit unions, for credit unions and their members. As part of your financial planning, we invite you to discover how these products and programs might be right for you. The TruStage™ Health Insurance Program is made available through TruStage Insurance Agency, LLC and GoHealth LLC. GoHealth LLC is licensed to sell nationwide and operates in all states with the exception of Massachusetts, Hawaii, Vermont and Rhode Island. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. 1801 Superior Avenue • Cleveland, Ohio 44114 • Telephone: (216) 999-4270 • Fax: (216) 999-3527 Plain Dealer Federal Credit Union Compare your VISA to a PDFCU VISA As a PDFCU member, you’re eligible to apply for a low-rate, no-annual-fee Visa. Compare your current credit card features, such as rates, fees, and rewards with a PDFCU Visa so you can choose the card that is best for you. • No balance transfer fee • No annual fee • Rates as low as 7.9% with qualifying credit. Member Newsletter Winter 2014/2015 Tax Time: Early Birds Catch a Breather April 15 may seem ages away. But that doesn’t mean you should put off your tax planning until the last minute. By taking control of your tax situation now, you can save yourself time and frustration later. Here are some tips to help you get started, and more importantly, finished early: • Gather records in advance. Make sure you have the documentation you need, including W-2s and 1099s. Save copies for your files. • Get the right forms. Visit your local library or check the IRS (Internal Revenue Service) website’s Forms and Publications section at www.irs. gov. • Give yourself a break. Rushing can cause errors, so take your time. • Double-check your math and Social Security number. These are among the most common errors on tax returns. • Consider filing electronically. It’s easy and fast and the refund will be in your account even faster. • Use direct deposit. Let the IRS put your refund right into your PDFCU account. All you need is your account number and the credit union routing number which is 241076233 This is a fast, safe, and easy way to get your tax refund deposited. Any questions contact the PDFCU. ALSO: Your 1099’s will be in the mail Jan 31, 2015 How can the PDFCU Help you in 2015? There are so many ways The Plain Dealer Federal Credit Union can help you in 2015 and beyond. Stop by or call today and speak with us about the many services we have to help improve you and your families financial life. Board of Directors and Audit Committee If you are interested in serving the credit union, we will need your information by Wednesday Feb 25, 2015 please send to to the credit union attention nominating committee. Holiday Loan Promo Ends February 13, 2015 Rates as Low as 3.5%* 1801 Superior Avenue Cleveland, Ohio 44114 Telephone: (216) 999-4270 Fax: (216) 999-3527 www.plaindealercreditunion.com Monday - Friday • 7:30am - 4:30 pm Maximum loan $10,000 • Up to 48 Months Monthly Paymentt: $223.57 15 Look for the 20 n Auto Show Loa Promo SOON! *Rate & terms shown for credtit score of 700. Rates and terms available for credit scores under 700. Rates reflect 1.00% discount with automatic deposit and automatic loan payment from PDFCU Checking account. Credit Scores are based on Trans Union credit reports. Rates and terms subject to change without notice and this promotion may end or be discontinued without notice. 1801 Superior Avenue • Cleveland, Ohio 44114 • Telephone: (216) 999-4270 • Fax: (216) 999-3527