High gasoline prices have many people considering buying a motorcycle or a scooter. If you’ve been thinking about just such a purchase, plan to attend PCU's great informational event on Wednesday, August 27 in Skylines B from 12p.m. to 1p.m. This session will inform you about all the ins and outs of buying a motorcycle or scooter.

Then, on Thursday, August 28, come by our main building and check out a motorcycle or scooter up close! You’ll have the opportunity to talk to a dealership representative and the PCU loan manager. Yes! PCU offers motorcycle/scooter loans!

For more information on the event, please call Member Services at (314) 982-2888. For loan questions, please call the PCU Loan Hotline at (314) 982-4555. You may apply for a loan 24/7 by calling PCU Loans-24 at (866)723-8396.

The closing of IndyMac Bank and the resulting media reports about FDIC coverage are raising questions about credit union insurance coverage in Missouri.

Purina Credit Union wants to assure you that your money is safe in a credit union. Since 1970, credit unions have been federally insured through the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Administration. The U.S. government backs this fund with full faith and credit just as it does the FDIC. NCUSIF provides the same amount of coverage for credit unions as the FDIC does for banks: up to $100,000 per depositor and additional coverage of up to $250,000 per depositor for other types of accounts, such as IRAs.

For more information about your account's coverage, please contact PCU at (314) 982-2888 or (877) 342-5728, or see the NCUA's insurance estimator.

• National Credit Union Share Insurance Fund (NCUSIF)
• How Your Accounts Are Insured
• Your Insured Funds

Are telemarketing calls to your home or cell phone driving you crazy? Looking to make your phone numbers a little less "out there?" Contact the National Do Not Call Registry, managed by the Federal Trade Commission, and register them. The list accepts both home and cell numbers. Once your numbers are registered, telemarketers have 31 days to stop contacting you. To add your numbers to the registry, visit The National Do Not Call Registry web site or call (888) 382-1222. For more information about the registry, visit the Q & A web page.

There had been an email scam circulating recently using the Digital Insight name. Digital Insight's security base quickly shut down the scam site and the known originating email addresses. As a result, there have been no reports of successful fraudulent login attempts. Just as an extra precaution, DI and PCU want Click-24 users to be aware of the scam.

Email recipients were advised to click on a link within the message to update their personal information. The email text has been: "We inform you that your account is about to expire. It is strongly recommended to update it immediately. Update form is located here. However, failure to confirm your records may result in account suspension."

Should you recieve this message, do not click on the link to update your information. Simply delete the message.

Contact Purina Credit Union, (314) 982-4322 or (877) 342-5728 toll free, immediately if you received such an email and responded to the request for information by clicking the link provided.

Variations of the "sender" email address have included:

• admin-support@digitalinsight.com
• customer-care@digitalinsight.com
• accounts@digitalinsight.com
• support@update.digitalinsight.com
• administration@digitalinsight.com

CLICK-24 ONLY...
Our CLICK-24 provider will perform system maintenance twice each month from midnight to 4:00 a.m. Dates may vary at the discretion of Digital Insight. You will not be able to log into your account through Click-24 during this time on these dates but any scheduled transactions for those dates should not be affected.

Routine CLICK-24 maintenance dates are:

• August 27
• September 10 and 24
• October 8 and 22
• November 12 and 26
• December 10

BILLPAYER PORTION OF CLICK-24...
Also, our BillPayer provider will perform system maintenance the first and third Sunday of every month between 12:00 a.m. to 4:00 a.m. You may experience difficulty logging into BillPayer during these times. However, just as with the CLICK-24 ONLY maintenance, your scheduled transactions in Bill Payer for those dates will not be affected. BILLPAYER maintenance dates are:

• September 7 and 21
• October 5 and 19
• November 2 and 16
• December 7 and 21

• ROTH IRA Certificates of Deposit:  Looking to fluff up your retirement nest egg? Watch your savings grow tax free with a ROTH IRA CD. In addition, your investment is insured by the NCUA for up to $250,000. For more information, visit our Savings Page or contact member services at (314) 982-2888.

• PCU LOANS-24:   Need to apply for a PCU loan after hours or on weekends? Not a problem! Call PCU Loans-24 for 24/7 loan information and application toll free at (866) 723-8396.



• RECREATIONAL VEHICLE LOANS:   Looking to purchase a recreational vehicle this year? Perhaps a motorcycle, wave runner or motor home? We offer recreational vehicle loans with rates that are definitely worth checking out! Contact the PCU Loan Hotline today at (314) 982-4555. Just as with autos, you may finance with PCU directly at area dealerships. Just visit a participating motorcycle / ATV or boat / RV dealership and let them know you wish to finance with PCU.
  
  
• VEHICLE LOANS:   Grab a special .25% auto loan discount when your loan is paid by automatic transfer from a PCU/ECU checking account. You'll be able to finance with PCU/ECU at numerous dealerships or directly with a Credit Union Loan Officer. Get pre-approved in no time at all! Call our Loan Hotline at (314) 982-4555 for more information. (Loans available only to PCU/ECU Members on approved credit.)


PCU Financing At The Dealership:   The Dealer List for PCU Financing provides you with a list of over 200 dealerships in Missouri and Illinois at which you may finance directly with us.

• DEBIT CARD:   Make your purchases even more convenient! Request your PCU VISA^® Debit card now! Please call (314) 982-2888 or
  (877) DIAL PCU, (877-342-5728), for details.



• CO-OP Network:  PCU is a member of the CO-OP Network. This membership provides you with access to over 25,000 surcharge-free ATMs nationwide and in Canada. Of these, 5,500 ATMs are located inside a 7-Eleven near you. You'll also find surcharge-free ATMs at 320 COSTCO stores. Going overseas? CO-OP ATMs are also located in specific countries across the globe.
  
  You may now access the CO-OP ATM list in two ways!
  
  
  1. Via the Internet...
     Visit the CO-OP Network web site to find an ATM nearest you.
  
  
  
  2. Via your cell phone...
     You may also now use your cell phone to find a location nearest you. For text messaging, simply text your location (address, intersection or zip code) to 692667 from your cell phone. Although 692667 is a surcharge-free service, you may be charged a text messaging fee by your cell phone provider. Please check with your cell phone provider for any charges you may incur. You may also call (888) SITE CO-OP via your cell for a voice locator.

CUNA Mutual and Credit Union Lending Systems (CULS) provide excellent online, financial calculators for credit union members to assist them with their financial planning.

• CUNA Mutual web site: Net Worth, Savings, Loan Cost, College Savings and other similar types of calculators.



• CULS web site: For reviewing Rebate vs. Low Interest financing deals.

To report a lost or stolen Credit card, please call (800) 325-3678. If your ATM or Debit card is lost or stolen and you need to make a report after normal business hours, please use the appropriate contact number below.

• From within the United States.....(800) 754-4128


• From outside the United States...(414) 341-6535

Learning as much general information about identity theft as you can is very simple. Not only is knowledge - power, but also protection. By visiting the following web sites, you’ll gain a sound idea of what identity theft is and how to reduce your chances of becoming a victim. Superb sites for identity theft education include:

Federal Trade Commission	How Identity Theft works	Identity Theft Resource Center	FTC: Take Charge
Privacy Rights Clearinghouse	Social Security Administration	Fight Identity Theft	US Department of Justice

Purina Credit Union would like to remind Members that we will not send you an email asking you to update any of your account or other personal information online. Such email requests are known as PHISHING...scams that try to net sensitive information for the purpose of conducting identity theft. Please view sample phishing messages that have been reported to the Anti-Phishing Work Group. If you receive such an email, simply delete the message.      [Veterans Administration]

An amendment to the Fair Credit Reporting Act allows you to receive a free credit report from each of the three nationwide credit recording bureaus annually. A central web site and toll-free number, (877) 322–8228, have been established to process these report requests. For more information, please visit the Federal Trade Commission web site.

Your online security has always been a top priority. We've upgraded your online account access experience with new security technology to further protect your accounts from unauthorized access. This security recognizes you as the true "owner" of your accounts not only by your password/PIN, but also by your computer as well.

Enhanced Login Security:

• Helps defend against identity theft and fraud.
• Provides security at any computer, wherever you are.

Special 2-day seminar on Motorcycle/Scooter Buying!

• August 27 at Nestlé from 12 p.m. to 1 p.m. - Skylines B
• August 28 at PCU's main building - Check out a motorcycle/scooter - talk to a dealership representative!

• August 27 at Energizer from 12 p.m. to 1 p.m. - Registration begins mid August

• September 11 at Energizer from 12 p.m. to 1 p.m. - Registration begins late August

If you have a topic in mind that you would like to see covered in a workshop, please let us know.
Feel free to call us at (314) 982-2888 or send us an email.

• Zero Percent Financing
• IRA Overview

• VACATION THE PCU WAY!
• BUY A MOTORCYCLE OR SCOOTER!
• 2008 FRAUD ALERT
• CREDIT UNION SAFETY TIP