October eNewsletter

October eNewsletter

Make your dream a reality! Finding the right house to call your home begins with a great mortgage. At Pen Air, we’re ready to help you take the next step toward becoming a homeowner with up to $500 towards closing costs1 and we’ll also pay up to $500 of the appraisal fee2. After all, there’s nothing more powerful than respect for a dream. Call 850.505.3200 x 8360 or visit penair.org/Mortgage to get started.

Turn Your Ideas Into Plans We know that life is full of unexpected surprises and we're here to help you be prepared for whatever surprise may come your way. With rates starting as low as 5.90% APR3, you can be prepared with an Unsecured Personal Loan from Pen Air. A fixed monthly payment and short repayment plan will have your reaching your dreams sooner! Apply online, through our Mobile Banking App or at any location.  Learn more at penair.org/Loans

Remote Deposit Less time banking means more time for everything else! Depositing checks from the convenience of your mobile device or computer just got even easier! We have simplified the endorsement requirements. Depositing a check through Remote Deposit requires only the following information:                     » Member’s signature as written on the payee line OR For Deposit Only                   » Account number To learn more about this time saving benefit, visit penair.org/AccountAccess

Pay My Bills Would you like a chance to win up to $2,500? Register for online banking, enroll in Bill Pay and pay your bills! Every online bill payment made during October 1 - December 31, 2015 equals an entry for a chance to win. The more bills you pay online through bill pay, the more chances to win!  For details and official rules visit penair.org/PayMyBills

Our Community   The employees of Pen Air‬ gave $4,000 toBay Area Food Bank on September 10th and $4,000 to the Gulf Coast Veteran's Advocacy Council on September 22nd through our #JeansForGenerosity program.#Communerosity

Upcoming Events   » October 1 - 31: Bay Area Food Bank Food Drive: Help us feed our neighbors by filling the cardboard collection boxes available in all locations. » Monday, October 12: Columbus Day All locations will be closed. » Thursday, October 15: International Credit Union Day: Stop by any location and celebrate International Credit Union Day with us! » Friday, October 16: Gallery Night: Come by the Palafox location and say hi from 5-7pm! » Saturday, October 31: MSABC Walk: Look for our team in their pink cowboy themed attire!

© 2015 Pen Air Federal Credit Union. NMLS# 413053. Minimum qualifying loan amount is $50,000. Offer for a limited time and is subject to change. 1$500 will be applied towards closing costs only and cannot be used toward down payment or receive cash back from this offer. 2Pen Air will pay the appraisal fee with a maximum amount of $500. Offer valid on fixed rate mortgage loans up to a 15 year term or any adjustable rate mortgage loan with up to a 30 year term. Payment Example: A 15 yr. loan at 3.568% APR will result in payments of $71.82 per $10,000 borrowed and if applicable APR will vary based on individual creditworthiness. Payment Example: A 30 yr. adjustable rate loan at 4.236% APR will result in payments of $49.11 per $10,000 borrowed and if applicable APR will vary based on individual creditworthiness. All loans subject to credit approval. Other conditions and restrictions may apply. Cannot be combined with any other offer. Call toll-free 1.877.4PENAIR for additional details. 3APR = Annual Percentage Rate. Rates as low as 5.90% APR. All loans are subject to credit approval. No application fee or prepayment penalty. Maximum loan amount is $40,000. A $5,000 personal loan for 5 years at 5.90%APR will have a monthly payment of $96.43. All rates are based on an evaluation of credit history, so your rate may differ. Additional terms, conditions and restrictions may apply. Rates are subject to change without notice. Rates not applicable for existing Pen Air Loans.