100% financing is available with terms 48 to 84 month. Let?s get rolling. It?s fast and easy to complete the online loan application. Apply today at your branch or at www.premier.org/home/misc/onlineap.

*Loan applications must be submitted by May 31, 2013 to receive the Cash Back incentive and no payments for 60 days. Loan amounts $7,500 - $14,999 receive a $150 cash back incentive. Loans $15,000+ receive a $300 cash back incentive. Not valid with existing Premier America vehicle loans and may not be combined with any other Premier America promotional offer. Cash Back is paid upon close of new loan, and is to be repaid in full to Premier America in the event the new loan does not remain open and in good standing for a term of at least 24 months. Interest begins accruing upon disbursal of loan and continues throughout the 60-day payment deferral period. Special offer and rates are subject to change or end without notice. Rate effective April 1, 2013 for auto loan with 48 month term and reflects a .25% discount for automatic payment via direct deposit and may increase based on credit worthiness. Certain restrictions apply. Equal Opportunity Lender.

Make Your Travel Dollars Go Farther with  DOUBLE Points.

Start earning double points on flights, hotels, rental cars, cruises, and more. Plus new accounts earn 10,000 bonus points.*   You can redeem your points for almost anything! Take a well-deserved vacation, attend a concert, sporting event or even redeem for cash.   Great Rate No Annual Fee Over Six Million Rewards  Earn 1 Point on Every Qualifying Purchase Cash Advances at more than 28,000 ATMs** Get mega rewards. Apply for your Premier Privileges online at www.premier.org/home/misc/onlineap or at a branch!   Earn double points on travel purchases through April 30, 2013. Receive one point for every other qualifying dollar spent. Offers may change or expire without notice. Rates are subject to credit worthiness. *Earn 10,000 points on a new Premier Privileges Platinum MasterCard when you spend $500 or more in the first three months. **A Cash Advance fee may apply.

With a Rate This Low, You CAN Afford to Buy Your Dream home. 1.95% Rate* 3/1 Adjustable Rate Mortgage.

Just like there is no one-size-fits-all home, there isn’t a one-size-fits-all mortgage. There are lots of options that can be tailored to suit your individual situation.   We know that buying a home is a big decision, and we are here to help. A home loan specialist can help you review the terms, structure and benefits of each type of loan. That way, you can be sure that you and your family have the right home loan for your situation. Visit a branch or apply online and receive a loan decision in minutes! *Rate and terms effective April 1, 2013 and are subject to change or end without notice. Loans are available for primary residences only and are subject to Credit Union loan policies. Fixed rate for 3 years, then converts to the 1-year Constant Maturity Treasury plus a margin, rounded to the nearest eighth. Rate is subject to adjust by a maximum of 2.50% at first change and a maximum of 2.00% annually thereafter. Lifetime cap is 6.00% over start rate, rounded up to the nearest eighth. Based on a 30-year $400,000 loan with 25% down and no cash out, the monthly payment for the first 36 months is $3.67 per $1,000 borrowed for an APR of 2.35% and for the remaining term, based on today’s index value, is $3.87 per $1,000 borrowed for an APR of 2.38%.

Send a TEXT, Get the 411

FREE Text Banking* is the simple, secure solution to keep track of your accounts; right from your mobile phone! Get fast answers and make smarter decisions on the go. With Text Banking, you don?t need a smartphone or even the internet to make simple transactions. Plus, you?ll be able to view balances and transactions and make transfers without the extra step of logging in. Register for Text Banking within Internet Banking and then text commands to 21443. Invest In Your Future Savings & Investing Made Easy @ iiYf.org Now you can buy, sell and transfer funds electronically to or from any account. Invest as little as $1 - or as much as you want - on a simple and easy web-based platform. Enjoy unlimited mutual fund trading and your first month is FREE.* Visit www.iiYf.org to open your investment account.  *Monthly fee waived for the first 30 days after opening the account, the monthly fee thereafter is $4.95 per month (or $5.95 when you use a non-Premier America checking account to fund your investments). Refer a Friend - Earn $25. When people you refer open a checking account with eStatements, we will thank you by giving you $25 per referred member. There is no limit to the number of people you can refer and the total amount of cash you can earn! Visit your branch for complete details and to pick up Referral Slips.   Convenient Access Wherever You Are!  Live or work away from our branch locations? You can handle transactions at over 6,800 Shared Branches (CU Service Centers) and 28,000 CO-OP ATMs across the U.S. Use our online ATM & Branch Locator to find Shared Branches, Deposit Taking and Non Deposit ATMs near you. Simply type the zip code and click "go"!   Web/Mobile/Home Banking www.premier.org E-mail info@premier.org Text Short Code 21443 24-Hour Telephone Banking Service 800-772-4000 press 1 Fax 818-772-4175   Loans Fax 818-772-4133                Shared Branch Locations 888-CUSWIRL or www.cuswirl.com CO-OP ATM Locations 888-SITECOOP, www.co-opnetwork.org, text location to 692667 Questions or Comments? Please write to: Leslie MacAskill, Chairperson, Supervisory Committee, Premier America Credit Union, P.O. Box 2178, Chatsworth, CA 91313-2178 The information in this newsletter is as current as possible; however, the Credit Union reserves the right to add, change or delete products, product features and/or services without notice. The articles and opinions in this publication are for general information only and not intended to provide specific advice or recommendations for any individual. We suggest you consult your attorney, accountant or financial or tax advisor with regard to your individual situation. All rates, yields and terms are subject to change without notice.   Related Links    2013 - 1st Quarter Newsletter  2012 - 4th Quarter Newsletter