2024 Quarter 4 Newsletter

70th Anniversary Rate Special - 2024 Holiday Skip-a-Pay - Replacement Debit Cards

70th Anniversary Loan Special

As we enter the end of the year, we want to remind our members about how we are celebrating our 70th Anniversary with you. We are now offering an end-of-year loan special that is a .70 reduction on top of our normal .50 rate reduction for direct deposit payment. In other words, qualifying collateralized loans can get up to 120 basis points off our typical rates.

In order to qualify, you must have a direct deposit from your employer to your savings/checking to pay your loan. Actual rates, as always, are a factor of credit score and income as well as ability to repay. For more questions, please reach out to the CU to see how you can qualify! Check loan rates and start your loan application with the link below.

Loan Rates

Holiday Skip-a-Pay is here for 2024!

The holidays are back, and so is our Skip-A-Pay for qualifying loans! For $50 per qualifying loan, you can skip either November or December's payment without any late fees or reporting to credit bureaus. A portion of the $50 goes to funding our yearly scholarship that we offer to our member's children, as well as adults, who are off to college. So not only can you save money for the holidays, but also help fund our member's furthering their education!

In order to qualify, you must have had your loan for at least six months and made those six payments on time. Your loan cannot have been deferred at any time in the past 3 months to qualify. We must also submit the completed form for requesting skip-pay at least five day's prior to the date of your payment for said loan, and must have $50 available at time of requested skip pay.

If you are interested in skip pay and meet the criteria, you can skip pay on your mobile app or in the web browser by logging in to your account and selecting skip pay. Below will be the link that will take you to our How-To's page on our website, where the third article towards the bottom of the page will take you to instructions on how to submit a skip pay on your own. If you cannot do it on your own or prefer us to process it, please don't hesitate to contact the Credit Union by email at info@psrfcu.org for a Skip-Pay Request form.

How-To's

INCOMING DEBIT CARD REPLACEMENTS:

Since bringing debit cards to the Credit Union in 2021, some of those initial cards are about to reach their three year expiration date. We wanted to let members know that we have been in the process of getting you these cards before they expire, with the newest tap-to-pay feature along with the original chip insert feature.

Our card services are currently sending out new replacement cards which you should receive at least one week before the current expiration date. This will replace your current card after you call to activate the new one. It will be shipped to your latest address on file, so if you have moved and not let us know, please contact us to update your address.

If you have any questions about this process or help activating your new card when it arrives, please reach out and we can help.

Christmas Club Renewals:

We are continuing to offer our Christmas Club savings accounts that earn 3.5% on up to $10,000, with up to two withdrawals a year at only a $10 fee. This savings account will transfer to an account the member designates at the beginning of every November. Member's who had a balance in the account for this last year have recently been paid out their earnings, and if interested should contact the CU to redeposit your funds for the now available 2025 Christmas Club Savings.

For members interested in starting to save more money with a Christmas Club account should contact the CU to see how you can open one today.

Puget Sound Refinery Federal Credit Union | 12275 Bartholomew Rd Text: 360.610.7140 | Email: info@psrfcu.org | Anacortes, WA 98221 US

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