November eNews

November eNewsletter  Move Your Auto Loan In The Right Direction We put you in the driver’s seat! During November, refinance your auto loan with us and receive up to 2% APR1 off of your current rate and make no payments for 90 days2. Go where life takes you! Call 850.505.3200 or visit penair.org/AutoLoans to get moving. Simplify Your Life      Unlock the possibilities with a low rate of 3.99% APR3 on all balance transfers, cash advances or purchases made between 11/1/15 and 2/29/15 on all Pen Air credit cards. Apply today at penair.org/CreditCards Give The Gift They Want Pen Air makes it easy to give a gift this Holiday season. There’s no reason to worry about finding that perfect gift, with a Visa®Gift Card, you can be sure they’ll use it to get something they really want from any retailer worldwide. Learn more at penair.org/GiftCard. Pay My Bills Pay all your bills through Bill Pay during the months of November and December and be automatically entered for a chance to have your bills paid! Every bill you pay receives a separate entry. The more bills you pay, the more chances you’ll have to win! For details and official rules visit penair.org/PayMyBills Our Community The employees of Pen Air celebrating International Credit Union Day on October 15, 2015.  #CreditUnions    Upcoming Events  » Thursday, November 5: Staples, Ellis & Associates Probate & Estates Seminar: From 5:30-6:30pm at the 9 Mile Road location. » Friday & Saturday, November 6 & 7: Blue Angels Homecoming Show: Stop by our tent and register for a chance to win a $100 Visa® Gift Card! » Wednesday, November 11: Veteran’s Day: All locations will be closed in observance of Veteran’s Day. » Saturday, November 14: Pensacola Egg Fest: Look for the Pen Air table at the Blue Wahoos Stadium from 11am – 2pm. » Friday, November 20: Gallery Night: Stop by the Palafox location between 5-7p and say hi! » Friday, November 20: Parade of Trees: Visit the display in our Palafox location and buy a fully decorated tree or wreath! All proceeds go to Camp Fire Gulf Wind. » Thursday & Friday, November 26 & 27: All Pen Air Locations will be closed in observance of Thanksgiving.   ©2015 Pen Air FCU. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans are subject to approval. Offer valid on loan applications submitted 11/1/15 through 11/30/15. Auto loan must be transferred from another financial institution and be in good standing for at least six consecutive months. 1 Rate will be reduced up to 2% but will be no lower than 1.99% APR and/or current monthly payment will be reduced by $25. 2 Interest will still accrue with the No Payment for 90 Days offer. At 1.99% APR, a loan amount of $20,000 and a term of 60 months, the monthly payment would be $350.47. Other conditions and restrictions may apply. Call toll-free 1.877.4PENAIR for complete details. © 2015 Pen Air FCU.  3 APR = Annual Percentage Rate. 3.99% APR available for balance transfers, cash advances or purchases made between 11/1/15 and 2/29/16 on a new or existing Pen Air credit cards. The 3.99% APR balance transfer rate is good through the December 2016 billing period as long as your account remains in good standing. After the December 2016 billing statement period, unpaid balances revert to your standard APR which ranges from 8.90% to 17.90% APR.  Your standard APR may vary with the market and is based on the Wall Street Journal Prime Rate.   If you fail to make a payment that is due for two (2) or more consecutive billing periods, the special rate will default to your Penalty APR. Cash advance fee is $5.00 or 3.00% of the amount of each cash advance, whichever is greater. Foreign transaction fee is 1.00% of each transaction in U.S. dollars. Subject to credit approval. Additional limitations, terms and conditions may apply.