Newsletter - 4th Quarter 2012 :: Miscellaneous :: Premier America Credit Union

With a Rate this Low, You CAN Afford to Buy Your Dream Home!

Do You Have the Right Insurance Coverage for Your Home

Refinance Checklist

Save on Popular Tickets & Activities with Recreation Connection

Set Your Financing to CRUISE CONTROL

Enjoy a Business Banking Relationship with all the EXTRAS

Member Notice of Board & Committee Vacancies

Financial Products Update

With a Rate this Low, You CAN

Afford to Buy Your Dream Home!

Is an Adjustable Rate Mortgage (ARM) right for you? With our 1.99% Rate* 4/1 ARM there are a number of advantages. Consider:

Loan amount up to $3.5 million
Low monthly payment for the initial fixed term
No prepayment penalty
No points

4/1 ARM is fixed for 4 years and then may adjust annually
Good choice if you plan to move or refinance before the initial fixed term expires
Available for a limited time

Before you choose an ARM you should carefully consider whether you are comfortable with the potential of a higher ARM payment after your initial fixed term expires. We know that buying a home is a big decision, and we are here to help. A home loan specialist can help you review different types of loans so you can choose the right home loan for your situation. Visit any of our branches or apply online at www.mortgage.premier.org and receive a loan decision in minutes!

*Rate and terms effective September 19, 2012 and are subject to change or end without notice. Loans are subject to Credit Union loan policies. Fixed rate for 4 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 payment for the first 48 months is $3.69 per $1,000 borrowed and for the remaining term, based on today’s index value, is $4.35 per $1,000 borrowed for an APR of 2.43%.

"The manager came over to meet and greet us. Personal banking at its best" - Penny O.

Divider

Do You Have the Right Insurance

Coverage for Your Home?

Now available in Texas! Your home may be your largest investment. Does your current

insurance policy have you covered? Call one of our friendly insurance agents at 800-772-4000,
ext. 4036 or 818-772-4036 for a complimentary policy review and rate quote.

CA License #0759204, TDI#1643259

Divider

Refinance Checklist

The cost of insurance has fallen over the past several years. When was the last time you reviewed your policy?

Checkmarks

Auto

HomeLife

Insurance

There are many more choices today. Now you have access to better features, pricing and options. Has your lifestyle changed? Have your children graduated from college? Refinancing could work to your financial advantage. Bring in your policy to find out if it makes sense to refinance your life insurance. We’ll work with you to ensure your policy fits your needs. Request an appointment today. Call 800-772-4000 ext. 4041.

Set Your Financing to CRUISE CONTROL
When You Choose a Premier America Auto Loan. Looking for a vehicle with two wheels, four wheels or even no wheels? Enjoy an auto loan rate as low as 1.99% APR*plus many other benefits. When you come to Premier America for a no-nonsense, low rate new or used vehicle loan you’re on the road to borrowing smarter! We’ll put you behind the wheel in no time and help you keep a little extra money in your pocket.
	Simple online loan application Loan and rate approvals good for 30 days Quick access to funds in as little as 24 hours	100% financing available Flexible terms mean lower payments (up to 84 months)** Auto Buying Resources through Autoland in California and Dealer Select in Texas
Apply or at your neighborhood branch today. * APR = Annual Percentage Rate. “As Low As” auto rates are our best fixed rates for new loans up to a 48 month term and include a 1/4% discount for Automatic Payment via direct deposit. Actual interest rate offered may be higher depending on applicant’s credit rating and other underwriting factors. Subject to credit approval. Rates accurate as of October 1, 2012 and are subject to change without notice. ** Minimum loan amount is $20,000 for 84 month term. For used auto loans, 84 month terms are available for model years 2011 or newer; maximum mileage is 50k and subject to credit worthiness.

Divider

Enjoy a Business Banking

Relationship with all the EXTRAS

Premier America offers the banking essentials you need for your business. Are you taking advantage of all of our tools and services?

Free Checking (no monthly service charge) with Debit MasterCard®
Great rates on Loans and Lines of Credit
Internet Banking with free Bill Pay
Option to post an advertisement on our Community Marketplace
Plus unlimited access to financial services via branches, mobile, shared branches, ATMs, online or by phone

Our products are designed to make your business banking simpler and more convenient, so you can spend more time growing your business. Contact your dedicated Business Service Officer today.

Karen Thompson	\|	Tyler Templeton	\|	Erin Kent
661-839-8672		818-331-4146		818-887-3842
818-772-4063		805-526-9770		818-207-5194

We’ll help you with a custom solution.

Divider

Member Notice of Board &

Committee Vacancies

The 2013 Annual Meeting of Premier America Credit Union will be held on Thursday, March 28, 2013. At this meeting three (3) Director positions for three-year terms, one (1) Supervisory Committee position for a three-year term and two (2) Supervisory Committee positions for a two-year term will be elected by the members.

Members interested in being considered for nomination for these positions by the Nominating Committee must notify them of their interest and provide a statement of qualifications no later than close of business November 26, 2012.

The Nominating Committee will publish a slate of recommended candidates on January 1, 2013. Members not nominated by the Nominating Committee may petition to add their name directly to the ballot. A petition to add a member’s name directly to the ballot must be signed by the greater of 100 members or 1/20th of 1% of the membership entitled to vote. The petition period will begin on January 1, 2013 and petitions must be received no later than the close of business on February 5, 2013.

For more information, please contact Liz Condercuri at 818-772-4004.

Divider

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.

ATM & Branch Locator

Miscellaneous