Tuesday, April 21, 2015

April eNewsletter


April eNewsletter

Your Window of Opportunity is Here

Have you been waiting for the right time to start a home project?

With a Pen Air Home Equity Line of Credit, you can turn your ideas into plans. For a limited time, enjoy:
  • No Closing Costs¹
  • Special Offer with an introductory rate as low as 2.99% APR for the first 12 months². Then as low as 3.74% APR variable for the life of the loan.
Speak with one of our Mortgage Experts at 1-877-4PENAIR, Ext. 8360, or visit penair.org/Mortgage to learn more.

Don't Overpay for your Next Car

New Pen Air Car Buying Service, powered by TrueCar allows you hassle-free car buying

It’s hard to know how much to pay for a new or used car. What if you’re not getting a good deal? But with Pen Air Car Buying Service, powered by TrueCar you can see what you should pay for the car you want. Visit penair.org/TrueCar for complete details.

Brunch and Learn Seminar Series in Alabama

Hear from the experts on how to get the most out of your business

Brunch is on us! Join the Business Solutions team for an educational forum in a relaxed atmosphere amongst business owners like yourself, while getting all of the latest information to keep your business growing and moving forward in 2015. From healthcare reform changes, to avoiding internet breaches, we have the information business owners need in one place. View all sessions at penair.org/BusinessSolutions!  

Business Lending 101: How to Qualify for a Business Loan
Presented by Tom Furr, AVP of Pen Air Business Lending  

Wednesday, April 22 | 10-11:30 AM
Meyer Vacation Rentals | 1585 Gulf Shores Pkwy., Gulf Shores, AL

New TruStage™ Insurance Programs³ for Your Benefit

TruStage™  Auto and Home Insurance

 Exclusively for credit union members like you, the TruStage Auto & Home Insurance Program³ provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service. Get your free quote today or call 1-855-483-2149.

TruStage™  Life Insurance  

Pen Air offers TruStage Life Insurance Policies to help you protect the people who matter most in your life. Underwritten by CMFG Life Insurance Company, these plans are designed to fit your budget and provide excellent coverage. Learn about this important coverage or call 1-855-612-7909 for more information.

Take a Walk on the Wild Side!

Pen Air celebrates youth all month long

This April, our youth members can take a walk on the wild side at their credit union! Our youth will have the opportunity to go on a saving safari as Pen Air celebrates National Credit Union Youth Month™. This year's theme, “Wild About Saving™,” encourages youth to use resources available at the credit union to help them cut their way through the jungle of financial responsibility. Stay tuned for more details by visiting penair.org/YouthAccounts.  

Wild About Saving Event

On Tuesday, April 14 bring your zoologists to the Pen Air Nine Mile branch, located at 1495 E. Nine Mile Rd., Pensacola, FL and get them wild about saving! RSVP by Friday, April 10.  

Enter our Youth Contests for a Chance to Win $25!
  • Penny Savers – All children ages 11 and under may participate in the Wild About Saving coloring contest. Entries will be judged in two groups: 0 – 6 years old and 7-11 years old. Pick up a coloring sheet at any Pen Air FCU branch, or visit penair.org/YouthEvents and print it off for yourself! Visit pennysaversclub.com for more details.
  • My2Cents Club – Post a picture on our Facebook page how YOU are “Wild About Saving” and the member with the most votes wins $25 deposited into their My2Cents account! Ages 12-17 are eligible to enter. For more information, visit my2centsclub.com

Our Community

Charity Golf Tournament to benefit the NMCRS

We were honored to have hosted the 15th Annual Pen Air FCU Charity Golf Tournament to benefit the Navy-Marine Corps Relief Society to promote financial stability amongst military families. The NMCRS is able to provide small, interest-free loans to meet urgent financial needs typically involving unexpected expenses.

Cyber Security Seminar for Businesses
Saltmarsh, Cleaveland & Gund presented "Protecting Your Data: A Conversation About Cyber Threats and Network Security" at our Brunch n' Learn Seminar Series. Keep up with our upcoming seminars and events at penair.org/OnTheRoad.

Pen Air is a proud supporter of our community. Visit our Facebook page at facebook.com/PenAir to see more pictures and upcoming events.


Upcoming Events 
  • Saturday, April 4: UWF Baseball Military Appreciation Game Join Pen Air at the baseball field at 1 pm as we support the UWF Baseball team and our local military.
  • Thursday, April 9: Enterprise Car Sales will be at the Foley branch from 1-4 pm. Stop by for refreshments and learn the best way to buy and finance your next vehicle.
  • Friday, April 10: Enterprise Car Sales will be at the Robertsdale branch from 9 am to Noon and at the Eastern Shore branch from 1- 4 pm.
  • Saturday, April 11 and Sunday April 12: Loxley Strawberry Festival Stop by and say hello at the Pen Air tent and ATMs in Loxley, AL from 9 am to 5 pm.
  • Saturday, April 11: 1st Annual Pensacola Walk the Talk for Epilepsy Join team Pen Air at 9 am the Pensacola Bayfront Stadium.
  • Tuesday, April 14: Wild About Saving Youth Event 3 -4 pm at the Nine Mile branch. RSVP by April 10 at pennysaversclub.com, my2centsclub.com or call 1-877-4PENAIR, Ext. 7770.
  • Friday, April 17: Gallery Night Stop by our Palafox Branch between 5-7 as we enjoy downtown Pensacola's festivities.
  • Wednesday, April 22: Brunch n' Learn Series Event Join the Business Solutions team from 10-11:30 a.m. for brunch as Tom Furr, AVP of Pen Air Business Lending presents "Business Lending 101: How to Qualify for a Business Loan." RSVP today at penair.org/BusinessSolutions.
  • Friday, April 24 and Saturday, April 25: Pace and Milton Relay for Life Event Join team Pen Air at the Pensacola State College Milton Campus from 7 pm to 6 am.

MLS# 413053. ¹ SPECIAL OFFER. Pen Air FCU will pay closing costs on new Equity Loan applications (Lines of Credit). Loans paid off and closed in less than two years (24 months) from the loan origination date will require reimbursement of all closing costs paid by Pen Air FCU. For loan amounts up to $250,000, closing costs typically range between $150 and $900. The closing costs depend on the location of the property and the amount of the Equity Loan. No minimum draw required on loan. Flood insurance may be required. Owner occupancy required.

² INTRODUCTORY RATE: Discount is available for new Equity Loan Applications. You must set up and maintain monthly payments for a minimum of 24 months or ANNUAL PERCENTAGE RATE (APR) discount will be removed and your loan will revert to the original note rate. For each of your first twelve (12) billing cycles, the monthly Periodic Rate for new transactions will be as low as 2.99% APR. Beginning with your thirteenth (13th) billing cycle the Periodic Rate and the corresponding (APR) for all transactions and balances will be based upon your contracted rate which will be a variable rate based upon The Wall Street Journal prime rate which was 3.25% as of 02/24/2015, but will never be more than 18%.Your contract APR will be based on several factors, including your credit history, loan to value ratio, property type, and lien status. A sample HELOC payment based on $100,000 at 2.99% APR for 20 years is $554.10. Terms and conditions subject to change without notice. Subject to credit approval. Rate may vary based on individual.

 ³ TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. TruStage™ Life Insurance is offered by TruStage Insurance Agency, LLC and issued by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.

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