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Mission Statement

To be a partner in fulfilling

Member’s lifelong dreams

Vision Statement

To provide the best products,

services and educational

opportunities for members

to achieve and maintain

financial security

www.pgmfcu.org

MEMBER

QUARTERLY

Inside this issue:

Statement Fee 2

CARnival Auto Loan

Sale

2

Vacation Loan Sale 2

Annual Dinner

Meeting

2

Member Bus Trip 2

Baskets for Charity

Donations

3

Red Cross Blood

Drive

3

Member Appreciation

Day

3

Sprint 3

Locations and Hours 4

Rates 4

April 2015 P&G Mehoopany Employees

Federal Credit Union

Manny Savignano retired from Procter and Gamble after 32

years of employment. A member of the credit union since 1980,

Manny has served as a director, a member of the credit committee,

and various other credit union committees. Since retiring in 1998

Manny has also kept busy serving on his church board, remodeling

for family members, and "growing up" with their 8 grandchildren.

Manny and Rose, his wife of 50 years, reside in Marcy Station

located in Tunkhannock Township.

Member Verification

The Credit Union’s Supervisory Committee is conducting an account verification.

If the account balances in your statement do not agree with your records, please report

any differences by April 10, 2015 to:

Donna Harvey

P&G Credit Union Supervisory Committee Chairperson

PO Box 489

Tunkhannock, PA 18657

Board of Directors 2015

This year, there are three candidates to fill three seats on the Credit Union’s Board of

Directors. The term for each of the three Directors is three years.

Judy Frey, CPCU, AIC has been a member of the credit union for 30 years. She is employed as a District Sales Manager for Erie Insurance where she has worked for 15 years. Her past volunteer service includes Treasurer for the Sullivan County Band Parents Association, teaching insurance courses for the NE PA CPCU Chapter, Past President of the NE PA CPCU Chapter, served on the Board and Executive Board for the CPCU Society and various positions within her church. She resides in Dushore with her husband, Jerry. She has three married daughters and six

grandchildren. In her spare time, Judy loves to read and work in her flower gardens and enjoy time with family and friends.

David Sturdevant is a retiree of Procter and Gamble and was employed there for 34 years. During his employment he had leadership assignments including Automatic Controls Engineer and Lead E&I Startup Engineer. David has served as a Trustee and Chairperson in various organizations he belongs to. He has been a member of P&G Credit Union since 1974 and prior to that, belonged to a credit union while serving in the U.S. Air Force. David has served nine years on P&G Credit Union’s Board of Directors. He served as Vice Chairperson of the Board of Directors and is currently serving his fifth year as Chairperson of the Board of Directors. David and his wife, Leona, live in Tunkhannock Township.

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Vacation Loan Sale

Where’s your happy place?

Let us help get you there with a Vacation Loan from P&G Credit Union!

Borrow up to $2,500 at 7% APR for 12 months.

May 1, 2015 to July 31, 2015.

APR-Annual Percentage Rate. Credit Union membership is required for approval. Loan terms

and conditions depend on credit qualification and approval.

Annual Dinner Meeting

Join us on Saturday, May 2, 2015 at Irem Country Club in Dallas for

our Annual Dinner Meeting.

This year’s theme is Sock Hop so get ready to rock and roll! Wear your niftiest fifties outfit

for a chance to win a prize! Tickets are $18.00 each or two for $25.00.

*Minimum rate offered will not be less than 1%. *Excludes current loans.

APR—Annual Percentage Rate. Credit Union membership is required for approval.

Loan terms and conditions depend on credit qualification and approval.

Member Statement Fee

Effective June 30, 2015 there will be a charge of $2.00 to receive your account statement by mail. To avoid this fee,

sign up for e-statements at www.pgmfcu.org or for additional details visit your local branch or call the Credit Union at

570-836-3227 or toll free at 1-800-750-9030.

The member statement fee does not apply to members under the age of 18.

Member Bus Trip

Sight & Sound, September 16, 2015. Tickets are $96.00 for adults and $63.00 for children ages 4-12. Ticket price

includes the show Joseph and a smorgasbord lunch.

To make reservations contact Lorraine at 570-836-0326 or l.rosenberry@pgmfcu.org.

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Management Team

Patrick Holmes, Interim CEO/VP Operations

Kathy Stanziale, VP Compliance and HR

Annette Lynch, VP Lending

Board of Directors

David Sturdevant, Chairperson

Vic Purdy, Vice Chairperson

Erika Colavitti, Secretary/Treasurer

Mike Gipson Cassandra Bell

Christine Strumski Manny Savignano

Brenna Coolbaugh Joyce Larson

Supervisory Committee

Donna Harvey, Chairperson

Sue Tereska

Rose Savignano

Joyce Larson

Time to Switch to Sprint?

Looking for a good reason to switch your wireless company? How about this … Credit Union members get exclusive

savings with the Sprint Credit Union Member Discount:

Get a 10% discount on select regularly priced Sprint monthly service Have your activation fee on new lines waived (up to $36 in savings)

Have your upgrade fee waived (up to $36 in savings)

Current and new Sprint customers need to verify credit union membership to take advantage of these exclusive

discounts. Visit www.Sprint.com/verify or download the Love My Credit Union Rewards app in the Apple App Store or

Google Play to verify your membership.

It’s worth it to switch to Sprint. Visit LoveMyCreditUnion.org/Sprint to learn more and to start saving today with the Sprint

Credit Union Member Discount. To claim your discount, use Corporate ID: NACUC_ZZM.

Baskets for Charity

Over $4,000 was raised from our annual fundraiser! Thanks to all who

generously support this wonderful cause.

Donation recipients:

Seated l – r Sarah Sidorek, Wyoming County Cultural Center;

Kristin Smith-Gary, Tunkhannock Public Library; Janice Shaffer, Seven

Loaves Soup Kitchen.

Standing l – r Annette Smith, H.A.N.D.S of Wyoming County; Patrick

Holmes, P&G CU Interim CEO; Janet McKay, Victim’s Resource Center

(absent from photo, Tunkhannock High School Tiger House)

Red Cross Blood Drive

The Credit Union will host a blood drive for the American Red Cross on Wednesday, April 22, 2015 at P&G

Credit Union’s main office, 15 Lane Hill Road, Tunkhannock from 12:00 noon to 5:00 p.m. Contact

Lorraine at 570-836-0326 or l.rosenberry@pgmfcu.org to make your appointment to donate.

Member Appreciation Day

Join us on Friday, June 19, 2015 from 12:00 noon to 3:00 p.m.as we celebrate you, our members. As part of the

festivities, there will be a cookout at the Tunkhannock office with hot dogs, hamburgers, prizes and crafts for the kids.

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1-800-750-9030 www.pgmfcu.org Free Bill Pay, Account to Account Transfers, Popmoney, 24/7 Account Access

Office Hours Monday– Thursday Friday Saturday Location Telephone

Tunkhannock Drive

Thru

9:00 a.m. - 4:00 p.m. 7:30 a.m. - 6:00 p.m. 7:30 a.m. – 12:00 p.m. 15 Lane Hill Rd., Tunkhannock 570-836-3227

Tunkhannock 9:00 a.m. - 4:00 p.m. 9:00 a.m. - 6:00 p.m. 9:00 a.m. - 12:00 p.m. 15 Lane Hill Rd., Tunkhannock 570-836-3227

P&G Plant 7:00 a.m. - 3:00 p.m. 7:00 a.m. - 3:00 p.m. Closed 5188 SR 87, Mehoopany 570-833-2313

Eynon 9:00 a.m. - 4:00 p.m. 9:00 a.m. - 6:00 p.m. 9:00 a.m. - 12:00 p.m. 800 Scranton/Carbondale

Hwy, Eynon

570-876-6414

Eynon Drive Thru 9:00 a.m. - 4:00 p.m. 9:00 a.m.– 6:00 p.m. 9:00 a.m.– 12:00 p.m. 800 Scranton/Carbondale

Hwy, Eynon

570-876-6414

Wyalusing 9:00 a.m. - 4:00 p.m. 9:00 a.m. - 6:00 p.m. Closed 27 Taylor Ave., Wyalusing 570-746-5101

Dallas 9:00 a.m. - 4:00 p.m. 9:00 a.m. - 6:00 p.m. 9:00 a.m. - 12:00 p.m. 2859 SR 309, Dallas 570-675-3370

Student Branches: Tunkhannock High School Susquehanna Career and Technology Center Dallas High School West Side Career and Technology Center

Tyler Hospital

(Closed for lunch)

Open Tuesday and Friday 8:00 a.m. to 4:00 p.m.

Closed Monday, Wednesday, Thursday and Saturday

5950 SR 6, Tunkhannock 570-996-1186

P&G Credit Union ATMs Tunkhannock Drive Thru P&G Plant Tyler Hospital Cargill/Taylor Beef (employees) Dallas Office Wyalusing Office Eynon Office

As a P&G Credit Union member, you have access to nearly 30,000 surcharge-free ATMs nationwide.

Visit the website at www.co-opcreditunions.org or call 888-748-3266 to find a location by phone. You can also download the app.

Savings & Investments

Type Dividend

Rate

APY*

Regular Share .05% .05%

Christmas Club .05% .05%

Vacation Club .05% .05%

IRA Accumulation Club .05% .05%

Roth Accumulation Club .05% .05%

Term Share Certificates (CD)

Term Dividend

Rate

APY

6 Months .20% .20%

1 Year .25% .25%

2 Years .50% .50%

3 Years .65% .65%

4 Years 1.00% 1.00%

1 Year Student CD* 2.00% 2.02%

*Must be a student, min. deposit $100, max. deposit $250 Ages 14-22 limit 1 per student. *APY- Annual Percentage Yield, **APR- Annual Percentage Rate

IRA Regular and Roth

Term Dividend

Rate

APY

24 Months .50% .50%

Loans

Approx. Term (In Months) APR**

Signature Loan 12-72 9.45% - 16.50%

Fuel Loan 12 4.0%

12 1.99%-11.99%

New & Used Vehicles 24 1.99%-12.49%

36 1.99%-12.99%

48 1.99%-13.99%

60 1.99%-14.49%

72 3.25%-14.99%

84 4.25%-15.49%

New Recreational Vehicle

(Campers) $25,000 or >

120 5.99%-11.50%

Used Recreational Vehicle

(Campers) $25,000 or >

120 6.99%-12.00%

Shared Secured 48 4.50%

Home Equity Term 15 Years Call for current rate

10 Years Call for current rate

5 Years Call for current rate

Home Equity Line of Credit Up to 10 Years Variable

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the

United States Government.

NCUA, National Credit Union Administration, a U.S. Government Agency

A penalty will be charged for early withdrawal from a Certificate of Deposit account or Club account.