Tuesday, August 5, 2014

August eNewsLetter



August eNewsletter

Providing Savings for Life’s Important Moments

Looking to purchase a new home or refinance your current one? Our mortgage experts are here to help you find the right loan to fit your needs... now and for years to come.
For a limited time, apply today and receive:
  • Financing up to 90% Loan-To-Value (LTV) with no Private Mortgage Insurance (PMI) required
  • Up to $1,000 towards closing costs on new home purchases or refinances*
Call 1-877-4PENAIR, Ext. 8360, visit penair.org/Mortgage, or visit us today!

MLS#: 413053. *Credit can only be applied towards payment of closing costs, up to a total of $1,000 on primary residences only. Not available on home equity loans or home equity lines of credit or unimproved property loans. Cannot be combined with any other offer. Standard credit qualifications and other terms and conditions apply. This does not represent an offer to enter a loan agreement. Loans subject to credit approval. Products, rates and terms subject to change without notice. Limited time only beginning July 1, 2014. Refinancing of mortgage loans currently with Pen Air FCU do not qualify for offer. Call 1-877-4PENAIR for additional details.


Win a Magical Shopping Spree!

Use your Pen Air FCU credit card three times a week between August 4 and October 26 for a chance to win a 60-second shopping spree!
As if a no-holds-barred shopping spree weren't enough, take note. You'll be flying through a CURewards® warehouse located in one of the most magical cities in the country – Chicago, Illinois. And it won't cost you a dime. The airfare, hotel room, meals, entertainment, thousands of dollars in merchandise, 3 days and 2 nights... it's all on us.
Register to win now! Visit www.cumagicminute.com for details.

No Purchase Necessary to enter or win. Open to cardholders who are legal residents of the 50 U.S., D.C. or Puerto Rico, 21 or older, who are enrolled in a participating Credit Union CURewards Program. Ends 10/26/14.

Milton Branch Remodel
Pardon our progress while we build a better way to serve you
As a reminder, our Milton branch lobby and remote drive-thru will remain open during construction as we embark on some exciting and innovative improvements. Starting August 8 our Milton branch walk-up ATM will be closing with our attached drive-thru closing on August 15. As our expansion continues we do anticipate closing our lobby for a short period of time in October to minimize member distraction and to expedite the expansion. Please stay tuned as we continue to provide you updates with our progress.
For a complete list of our branch and ATM locations visit penair.org/Locations, or download our Mobile App.

Traveling or Going Back to School?

Mobile-Optimized Sites Now Available for Pen Air FCU Cash Cards

With the new cash card access on your smart phone, you can do everything on your phone that you can do while sitting at your computer at home. That means you can reload or check balances when you're on the go.

  1. If you have a Pen Air FCU Cash Card, visit penair.org/CashCard on your mobile device , select the ‘Order/Reload’ button for either the General card or Student card, and you will be directed to the mobile-optimized site.
  2. Reload, check balances, transaction history, and more!

Moving Your Retirement is an Important Decision

What should you do with your retirement plan if you're changing jobs or retiring?

It’s essential that you make this decision and the proper arrangements before you leave your company or you could lose a large portion of your savings to taxes or penalty fees.

Three key benefits of an Individual Retirement Account (IRA):
  1. Keep your retirement savings tax deferred – An IRA offers the potential for any earnings to grow faster than in a comparable taxable account
  2. Avoid 20% withholding – You can keep your account intact
  3. Convenience and flexibility – It’s easy to open an IRA rollover account. You may be able to add additional contributions to your IRA depending upon your situation, although this may not be appropriate for every investo
The advisers at Pen Air Asset Management can help you understand how an IRA may help you meet your retirement objectives. Call Tiffany Cherry at (850) 505-3200, Ext. 8332 today to set up a meeting time most convenient to you.
Cetera Financial Services, Inc. is an independent, registered broker/dealer. Member FINRA/SIPC. Securities and insurance products offered by Cetera: Not FDIC/NCUSIF insured, may go down in value, not a deposit, not financial institution guaranteed, not insured by any federal government agency. Registered Address: 1495 E. Nine Mile Rd., Pensacola, FL 32514. Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Investment Advisors, LLC Agreement and disclosure brochure as provided.

Our Community

The Torch Award for Marketplace Ethics from the BBB of NWFL We are honored to have received the Torch Award for Marketplace Ethics from the BBB Northwest Florida. The Torch Award for Marketplace Ethics program was created to publicly recognize business and charities that insist on exceptionally high standards of behavior.

Summer Youth Events As a reward for saving early with Pen Air FCU, we invited all youth account holders to our fun summer events. The Penny Savers (children 11 and under) were “Wild About Saving” and celebrated club mascot, Penny the Pen Air Porpoise's birthday at the Alabama Gulf Coast Zoo and the Gulf Breeze Zoo. Our My2Cents Club Members (teens 12-17) enjoyed a Blue Wahoos game and met some of the players at the Maritime Park.

For more information on our Youth Accounts, visit penair.org/YouthAccounts. Visit our Facebook page to see photos from the events!


Upcoming Events:
  • Saturday, August 2: MWR Summer Splash Enjoy a fun day at Barrancas Sports Complex located on NAS Pensacola from 10 a.m. – 2 p.m. This event is open to military families only. Team Pen Air FCU will be there with a tent and fun activities for the kids. Visit MWR for more details.
  • Thursday, August 14: We're putting our red noses on! Join us at our Corporate Branch from 10-10:30 a.m. as our Pen Air FCU employees present a check to the Ronald McDonald House of NorthWest Florida along with Ronald McDonald himself! Learn more about the generosity of our employees at penair.org/JeansForGenerosity.
  • Friday, August 22: NAS 100th Reunion from 6-10 p.m. at Seville Quarter The Reunion will take over the seven rooms of Seville Quarter for an evening of old friends, memories, great food, live music and more. Each room will showcase an important era of the history of NAS Pensacola.
  • Fri - Sun, August 22 – 24: Home & Product Expo at the Pensacola Bay Center Stop by the Pen Air FCU booth and talk with our Mortgage experts to see how you can make your home a place where you love to live. Visit homeexpopensacola.com for more information.
  • Wednesday, August 27: UWF Taste of Pensacola Join Pen Air FCU and other local businesses from 11 a.m.-2 p.m. on UWF’s Cannon Green and enjoy food, drinks, and giveaways. If you are a UWF student, come learn about the diverse restaurants, stores, and activities you can enjoy during your time at UWF.
  • Monday, September 1: Pen Air FCU will be closed in observance of Labor Day. Access your accounts through Online Banking or Mobile Banking. Have a safe and happy holiday.



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