2026 Quarter 4 Newsletter

Christmas Club Earnings & Skip-a-Payment are back in November - How to Get a Loan on the Weekend - New 2027 Calendars

Christmas Club 2026 Deposits and Dividends Available November:

As we approach November, we like to remind our members who have Christmas Club Savings that their funds will be available this November 1st. If you would like to change your monthly transfer amounts for the 2027 Christmas Club, or to fully fund it again, you can do so on our mobile app or by contacting our office and requesting us to do so.

If you don't have a Christmas Club or don't know what it entails, we recommend it to all of our members. This subaccount is a high yield savings account at 3.5% on a maximum limit of $10,000. This account costs nothing to open and only requires at least a deposit of $25 a month from your payroll or another attached account, and stays locked from November 1st to the next year's November 1st. Some members throw a few dollars at it every paycheck, slowly building up a nice savings around the holidays, and some members choose to max it out and earn as much as they can on the maximum. On 11/1 your funds you have been saving and all of the earned dividends from it are transferred to your preferred subaccount. As default this is the member's Regular Share Savings, so if you have not designated a different account, those funds will be transferred to your savings and be available the first day of November.

Dividends are earned every quarter, and can be set to transfer to a different subaccount or back into the Christmas Club Savings. For every cent above the maximum $10,000 limit, members will only receive the regular savings dividend of 0.50%. If you need access to these funds before they are available on November 1st, you can request a withdrawal twice a year for only a $10 fee per transfer.

If you are interested in opening a Christmas Club, reach out to us for more information or to set up today! You can also do so on your mobile app and in the online CU portal by choosing "Open New Account." There you can also transfer funds to a linked financial institution or establish an automated transfer however often you prefer from any linked accounts.

Holiday Skip-a-Pay Returns for November and December 2026:

Starting November 1st, if you have an auto or signature loan, you can skip either November or December's payment for only $50 per loan. Once a payment is skipped under this program, you won't take a credit hit for the skipped payment, and we will just add an extra month to your initial loan terms. After skipping a payment, your next payment will be due the last day of the next month and for the regular amount.

You can skip a payment starting November 1st for all qualifying loans in your mobile application by logging in and viewing your accounts. Once you select the loan, it will provide you a few options like: "Account Details," "Make a Payment," etc, but among them will be "Skip a Payment." Once you select this option, you will be taken to a screen that shows which loans may qualify for Skip a Payment, and you can select them there and choose the account that you want the fee to come out of. If you currently do not have an online account we can help you log in the first time, or if you do not have access to your PSRFCU online account, we can locate your username, share it, and reset your password so you can have access again. Contact us to set up your online account for the first time, to reset your password, or to skip a payment by calling 360-293-4862 or by sending us an online contact request. The $50 fee must be in your account at time of skip request for it to be processed the same day.

The fee you pay to skip your payment goes towards our yearly scholarship for our members looking to pursue a higher education, whether it be a new four year college student, someone finishing up some classes later in life, or someone pursuing a technical degree. For the past two years, we have been able to offer two $1000 scholarships because our membership participates in offers like this.

*Please note that HELOCs are ineligible for skip a pay

**You can skip multiple payments if you have multiple qualifying loans but only one skip per loan

Important PSRFCU Application Update September 29th:

On September 29th, from 4:30-5:00AM PST, our mobile application will be undergoing an important update. Once you launch the PSRFCU app, you will see an alert that indicates that you must re-enroll to continue using biometric (FaceID, thumbprint, etc) or PIN logins. After logging in again and re-enrolling, you will be

able to login with biometric or PIN again. Our mobile application will appear in both Google and Apple app stores if you search for PSRFCU, and its image looks exactly like the photo to the right of this section. You can also download the app by clicking here for Google, and here for Apple.

If you have not tried the app, we recommend downloading it and getting set up for the first time. You can save $3 by receiving eStatements instead of paper statements, deposit checks remotely, transfer funds from any attached accounts, create new accounts, and more. All you need to log in for the first time is to navigate to our login page, click first time user, and enter your account number and social security number.

If you do not know your username, password, or are overall just having troubles getting logged in, please don't hesitate to reach out to our office. We can share your username with you and get your account unlocked with a quick call, email, or by an online contact request.

Quarter 4 Holiday Closures:

October 12th -CLOSED- Columbus/Indigenous Peoples' Day

November 26th -CLOSED- Thanksgiving

November 27th -CLOSED- Black Friday

December 24th -CLOSE @ 1PM- Christmas Eve

December 25th -CLOSED- Christmas

December 31st -CLOSE @ 1PM- New Years Eve

January 1st -CLOSED- New Years Day

Car shopping during the weekend:

Planning on car shopping over the weekend or after we're closed? We can still help! Contact us prior to car shopping and we can schedule something after hours or on weekends, or get you set up and ready for whatever you choose the day you do shop. This applies to shopping online as well, like Carvana.

All we need to start the process is your two most recent paystubs, the VIN and mileage of the vehicle, as well as applying for the loan online. Ditch the extra stress of shopping for a good loan while shopping for your vehicle; let PSRFCU handle your loan so you can focus on finding your perfect ride!

2027 Calendars Available:

We've received our calendar orders for 2027 and they are available at the credit union. The themes this year are Gardens, Muscle Cars, and USA. We have also ordered 2027 tide books and should be receiving them soon. Come get your calendar 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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