Kelley Blue Book Market Analyst, Jack Nerad, was quoted as saying, “The deals are so stupendous right now. People waiting on the sidelines are missing opportunities to score a great deal.” It doesn’t matter what manufacturer or model you’re looking for. Dealerships are full of product and the number of buyers has dropped off 40% compared to this time last year. This has resulted in significant price reductions, numerous incentives and good financing rates. As more and more dealerships and plants close, vehicle inventories will decline. And, supply and demand will start to level out. This means vehicle pricing will rebound. So, should you need a new vehicle, buy now.

PCU offers both new and used vehicle loans, motorcycle loans and recreational vehicle loans at great rates. Call the Loan Hotline today for more information, (314) 982-4555, or for loan approval 24/7, call PCU Loans-24 toll free at (866) 723-8396.

Source: MarketWatch.com, “Guess who’s in the driver’s seat now: Consumers,” by Jennifer Waters, May 15, 2009.

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 $250,000 per depositor for deposit accounts, such as share savings and checking, 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.

Learn more about:     Your Insured Funds       NCUA Insurance Fund FAQs

SCHEDULED MAINTENANCE - 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 in 2009 are:

• July 8 and 22
• August 12 and 26

NON-PROCESSING DATES - CLICK-24 AND BILLPAYER...
There are several non-processing holidays in 2009. It will not be possible for account transfers or payments arranged for these holidays to be processed on the date requested. The transfers and payments will be processed on the following business day. Should you need a payment to be paid by a holiday date, please be sure to make the processing date at least two days prior to that holiday if the payment goes electronically. If a payee is paid by check, please be sure to select a processing date seven to ten days prior to the date due to allow for the check to be created, delivered and processed at the payee site.

Upcoming non-processing dates through July 2009 are:

• July 3 (Friday) - Independence Day
• September 7 (Monday) - Labor Day

SCHEDULED MAINTENANCE - 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 in 2009 are:

• July 5 and 19
• August 2 and 16

• 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.

• LOAN APPLICATION and APPROVAL:  Call the Purina Credit Union loan hotline, (314) 982-4555, during business hours to speak with a loan officer.
  Need to apply for a PCU loan after hours or on weekends? Not a problem! Call PCU Loans-24 for 24/7 loan application and approval, call 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 28,000 surcharge-free ATMs (9,000 are deposit taking) nationwide and in Canada. Of these, 5,500 ATMs are located inside 7-Elevens nationwide. You'll also find surcharge-free ATMs at 320 COSTCO stores. Going overseas? There are 800,000 CO-OP ATMs worldwide!
  
  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 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. Please note that these contact numbers are new as of May 13, 2009.

• From within the United States...  (888) 241-2510


• From outside the United States...(909) 941-1398

Please use caution if you receive any emails that ask you to provide confidential information or to click links to visit web pages that ask you to provide confidential information. Many such emails are sent by criminals attempting to trick recipients into providing confidential information like user names and passwords. Known as phishing, many such fraudulent emails may appear to be from official or trusted sources. Phishing messages that have been reported to the Anti-Phishing Work Group are listed on the antiphishing.org web site for consumers to view. If you receive such an email, simply delete the message.

Similar to phishing is vishing. This is the attempt to acquire confidential information, with which to commit fraud, via telephone. Scam artists are also using text messages to contact potential victims. Should you receive such a request, please just hang up or delete the message.

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

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 website 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.

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.

• Car Buying Negotiation
• Home Improvements That Provide A Return

• Annual Meeting & Election
• Check Your Credit Report
• Where's My ATM?
• Ready to Save?
• Send Your Teen to College