Summer 2009
Drive In The Low-Cost Lane!
 Dealers' inventories are huge and they're
hungry to sell! Now's the time to get a
great deal on a new or used vehicle. For
even more savings, come to Penn East FCU
to get low-cost financing and keep more
money in your wallet!
If you have a Vehicle Loan from another
lender, refinance it with us and you'll save
money every month for the life of the loan!
Pre-Approval Speeds The Process!
Count on savings if you come see us before you go shopping. We'll approve you
for a low-cost Vehicle Loan before you hit the dealers' lots,
saving you lots of time and hassle! And if there's a dealer
rebate, you'll pocket even more money!
With your Vehicle Loan, you'll
receive
a Sheetz® Gift Card worth $50.**
Apply Now
Call (570) 342-2720 or stop by the credit
union to learn more or apply for your loan. But don't wait - this offer
ends August 31, 2009!
 Save on gas and help the
environment by purchasing a fuel-efficient
vehicle. To get accurate
information on green vehicles,
go to www.fueleconomy.gov.
Compare new and used vehicles
for gas mileage, greenhouse gas
emissions, air pollution ratings
and safety information.
*APR=Annual Percentage Rate. All rates shown are for qualified borrowers and are based on creditworthiness.
Rates are subject to change without notice. Contact the credit union for complete loan details.
**$50 Gift Card given at loan closing. Limit one card per loan. Offer good 6/1/2009 - 8/31/2009. Sheetz® is not
a sponsor or co-sponsor of this promotion. Penn East FCU is not affiliated with Sheetz.
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 Convenient Money Management - Anytime, Anywhere!
Financial management is as close as your computer - at home, in the car or relaxing in a café - and
it never has a "closed" sign hung on the door! Our free Convenience Services cut you loose from
schedules and extra trips to the credit union - they're available 24/7 to suit your life!
Once you open a Penn East FCU Checking Account, our Internet Banking lets you manage your
accounts online and receive E-Statements to simplify your life and cut down on paper waste. With
Bill Payer, you pay your bills electronically via single monthly payments or by having your bills
automatically paid from your account. There are no delays, no postage and no hassle!
More Convenience!
For everyday convenience, sign up for a Debit MasterCard® that can be used for purchases or to
obtain cash at ATMs nationwide, or an ATM Card that can be used wherever you see the PLUS logo.
Enroll in Direct Deposit to have your pay, government or retirement check automatically deposited
in your account - it always arrives on time and this electronic service is completely secure. We also
offer Member Audio Response System (MARS) that gives you 24/7 access to your accounts by
touch-tone phone.
Start Saving Time & Money!
Stop by the credit union or call (570) 342-2720 for more information or
to sign up for convenience. Spend less time on your finances so you'll have more time for things that
really matter!
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 Have Fun This Summer!
Summer's here and it's time for fun! Perhaps
you need some new patio furniture, landscaping
or camping equipment. Or maybe you have a
family vacation or kids' summer camp in mind.
Whatever your goal, our Vacation Loan Special
is here to help! Borrow up to $4,000 and get
a great rate - as low as 7.99% APR* for
18 months! Now you can have the kind of
summer fun you've been dreaming about!
Apply Today!
For more information or to apply, just call (570) 342-2720 or stop by the credit union. You
can also visit us online.
Don't wait - offer good only until the end of July!
*APR=Annual Percentage Rate. Rate shown is for qualified borrowers and
is based on creditworthiness. Rates are subject to change without notice.
Offer good 6/1/09 - 7/31/09. Contact the credit union for complete loan details.
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Holiday Closings
Independence Day
Saturday, July 4
Labor Day
Monday, September 7
Columbus Day
Monday, October 12
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 Congratulations
Congratulations to Josephine
Meoni who has been hired
as Teller Supervisor of our
Scranton Office. Her tasks
include supervision of the
teller area, to ensure a high
level of accuracy in all teller
transactions and to resolve
member problems. Stop in and
welcome her to the Penn East
FCU family!
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 Go To The Head Of The Class
With A Back-To-School Loan
Summer goes by so fast... it's hard to imagine you'll soon be shopping for back-to-school
clothing and supplies! Why not fit those purchases into your budget with a Back-To-
School Loan, our fast and affordable loan solution?
This August, come to Penn East FCU for a better loan deal. We have a full menu of low-interest
loans, with flexible repayment terms and fast turn-around. You can also make
your loan payments more conveniently when you sign up for Payroll Deduction, at no
cost to you.
Applying Is Easy!
Simply call (570) 342-2720 or stop by to apply. Don't wait too long - school will be starting before you know it!
*APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate. The rate you receive is based on creditworthiness. Rate is subject to
change without notice. Offer valid 8/1/2009 - 9/30/2009. Contact the credit union for complete loan details.
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For College Students
 Classic Start VISA® Card:
Your Ticket To Savings
With fall semester just weeks away, now's the time to think about how your college student
will pay his or her everyday expenses. Our card is the affordable way to keep costs down while
enjoying the convenience of a credit card. Receive a low fixed rate of 15.90% APR,** NO
annual, transaction or cash advance fees, and a grace period on purchases.
Your student will also gain experience with establishing credit and learn responsible spending
habits. That's a winning combination for many years to come! Contact us for details.
Affordable Student Loans
We can help you pay for college. Choose from Stafford subsidized and unsubsidized loans,
PLUS (Parent) loans and our own Home Equity Loan options. We'll be happy to explain the
types of loans available, how they work and guide you through the entire application process.
Don't let money stand in the way of your or your children's success. Stop by and see us for
the details or apply online.
**APR= Annual Percentage Rate. Rate shown is for qualified borrower and is based on creditworthiness. Parent or co-applicant may be required. Rates are
subject to change without notice. Contact the credit union for complete details.
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 Race For The Cure®
Come join the fun! The Annual NEPA Susan G. Komen Race for the
Cure® will be held Saturday, September 12, in downtown Scranton.
The race features a 5K run (3.1 miles), a 5K walk and a one-mile fun
walk. These events start promptly at 8:30 a.m.
We're inviting our members to be part of Penn East's team of caring
community participants! Penn East FCU is proud to sponsor your
race entry fee (up to $1,000). Participants are also asked to collect
donations to aid the cause of preventing cancer and finding a cure.
Members of Team Penn East will
receive our T-shirt to wear the day
of the race as well as a Race for the Cure® T-shirt.
You can contact Katelyn McManamon at (570) 342-2720
extension 211, e-mail kmcmanamon@penneastfcu.org, or stop
in either location for a registration form that must be returned by
Friday, August 14. Join us for this great community event and walk
or run for Team Penn East!
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Don't Get Scammed!
Phishing, an increasingly popular form of ID theft, has replaced garbage
can rip-offs as the preferred method for ID thieves to steal your personal
information. In Phishing, an e-mail instructs the recipient to click an electronic
link to confirm personal information, but the link is connected to a bogus site
where the information is then stolen.
The e-mail messages appear to come from legitimate businesses one might
have dealings with - banks, online retailers, Internet providers, insurance
agencies, and online organizations such as eBay and PayPal. The messages often
look authentic, featuring corporate logos and formats similar to the ones used
for legitimate messages. They typically ask for verification of account numbers
and passwords, allegedly for auditing purposes. Because these e-mails look
official, up to 20% of unsuspecting recipients respond to them, resulting in
financial losses, identity theft and other fraudulent activity.
A Step Beyond Phishing
And now these thieves have developed a new tool: vishing, short for voice
phishing. Internet users are told to call a phone number where an automated
answering service asks for account information. Sometimes vishing comes as a
call out of the blue in which the caller already knows the recipient's credit card
number and asks for the three-digit security code on the back of the card.
Use Your Head!
Common sense is your best defense. Don't open any e-mails from sources you
don't recognize; instead, delete them immediately. And if you get a phone call
asking you to provide or confirm any of your personal information, hang up
and call your lender, using the number on the back of the credit card. That's a
legitimate number and you can be sure it's secure.
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Come Support St. Joseph's Center
Come join your friends from
Penn East FCU as we volunteer
at St. Joseph's Annual Summer
Festival. This year the event
will be held on Marywood
University's campus,
July 24 - 26. Make sure to stop
by the popular potato pancake
stand on Saturday, July 25, from
4 p.m. to 8 p.m. We'll be there,
frying up those tasty treats for
all the festival-goers. Proceeds
from this fund raiser benefit
St. Joseph's Center in Scranton.
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