EXPRESS Your Car = Cash! D waves POSTAL Fall Used Auto …

Your Car = Cash!

D o you own your car? Or do you have an auto loan from another lender? If yes, you can take out the equity to use like cash just by refinancing the car. It's often more affordable than a personal loan since rates are lower and terms are longer. Now is a good time to refinance since we lowered our Used Auto Loan rates to as low as 1.99% APR* for our Fall Auto Loan Special.*

Another bonus ? financing your loan with us automatically enters you into our monthly 0% APR drawing. You could win a no-interest loan! Take advantage of the cash in your car and apply today at . *See page 1 for details about our Fall Auto Loan Special.

Here's a Good Reason to Switch Your Wireless Company

C redit union members get exclusive savings with the Sprint Credit Union Member Discount: ? Get a 10% discount on select

regularly priced Sprint monthly data service ? Your activation fee on new lines are waived - $36 savings ? Any upgrade fees are waived - $36 savings To claim your discounts, go to and click on the Sprint Savings banner, or visit Sprint to learn more. Follow the instructions to sign up. When prompted, use Corporate ID: NACUC_ZZM.

PPCULoan Rates New Auto: 1.74% APR1 Used Auto: 1.99% APR1 Classic VISA: 8.49% APR1 Personal Loan: 9.0% APR1

See bottom of this page for more information on our rates

Win a 0% APR1 Loan!2

Finance your loan with us, and you are automatically entered into our monthly 0% drawing ? you could win a no-interest loan!

Holiday Schedule

October 12, Columbus Day November 11, Veterans Day November 18, Staff Training Day November 26, Thanksgiving Day December 25, Christmas Day January 1, New Year's Day

Mortgage Line

(888) 469-1261

Balance Financial Fitness Counselors

(888) 456-2227

| 800.696.6009

OCTOBER 2015

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Fall Used Auto Loan

Special Offer

Used Auto Loan Rate as low as

Lower Rates Make it the Perfect Time to

1.99 APR*

%

72-month term, 100% financing*

Refinance or Buy

3 ways to Save:

1) Refinance* a car loan you have elsewhere and lower your payment

2) Refinance* and take out the equity to use like cash

3) Buy a New or Used Car altogether!

Whatever you choose, you pay less than $15 per month for each $1,000 you borrow.

Hurry ? offer is good September 15 to October 31, 2015. After that, the rate goes back up!

See how we compare:*

PPCU Used Cars, Trucks & Vans 1.99% New Cars, Trucks & Vans 1.74%

Apply today at .

Chase Wells Fargo

3.57%

3.61%

3.10% 3.41%

*APR = Annual Percentage Rate. Rates, terms and offer are subject to change without notice. Not valid with any other offer. Actual rate offered is dependent on individual credit rating; your rate may be higher. 1.99% rate offer applies to used cars, trucks and vans 2010 model year and newer, and refinancing of same auto loans from an outside lender, 100% of purchase price and 100% of balance to be refinanced from a qualifying outside auto loan. For auto equity loans, the offer applies if you own the car or you have a car loan from another lender. No other discounts apply. Term is up to 72 months. New Auto loans are discounted 1/4% to as low as 1.74% APR with active PPCU Secure Checking account. No other discounts apply. Monthly payments are estimates. For the purpose of comparison, the loan rates from the lenders' web sites are as of 9/8/2015 and reflect APR for used cars; other conditions may apply. We are not responsible for the accuracy of the content on these web sites. To qualify for the special used auto loan offer, you must fund a qualifying used auto loan from September 15-October 31, 2015. Call us for complete terms and conditions.

1APR=Annual Percentage Rate. For a complete list of loan and deposit rates, go to . Rates and terms are subject to change without notice. All loans subject to credit approval. Actual rate offered is determined by your individual credit profile. Used auto loan rate is promotional rate. Personal loan and new auto loan rates reflect 1/4% discount with an active PPCU SecureChecking account. Restrictions apply. 20% APR drawing excludes mortgages and Visa.

We Expanded our Field of Membership!

N ow, anyone living in the household of a current member or a qualifying member can join PPCU. Read on to learn more about who is eligible for PPCU membership.

All employees, retirees and contract employees of the

U.S. Postal Service in the counties of Santa Clara, San Mateo, Santa Cruz, Monterey, San Benito, San Francisco, Solano, Contra Costa, Alameda, Napa, Sonoma, Marin and San Joaquin.

All Civil Service employees in the counties of Santa

Clara, San Mateo, Santa Cruz, Monterey, San Benito and San Francisco.

Employees, contract employees and legal counsel of the

credit union.

The spouses, surviving spouses, all relatives, and people

living in the household of the above individual and members, organizations of the above individuals, other credit unions, and organizations of credit unions.

Do you know anyone who can join? Share PPCU's benefits and get $5 for every qualifying person who joins! We'll also waive the $5 new membership fee. Use the Refer-a-Member coupon below, and call us or go to for a Membership Application.

To Our VISA Card Holders: New and Better EMV Chip Cards are Coming

B efore the end of the year, we will be sending you a new Visa card with the added security of chip technology, also known as EMV (Europay, MasterCard?, Visa?). The new card contains an embedded chip which provides a more secure way to make purchases. You can shop with confidence, knowing that the chip in your card will help protect you from fraud.

What do I need to do once I receive the new card? For your security, activate the new card immediately and destroy your old card.

Don't Yet Have Our Low-rate Visa Card?

Your savings will soar with our Classic Visa. Our competitive rate ? as low as 8.49% APR* ? could lower your monthly payments.

Plus, there are no fees for balance transfers, cash advances or foreign transactions. No annual fees either. Apply today at

.

Will my card # change? No. To allow for an easy changeover to your new card, the card number will remain the same.

How do I use the card to make a purchase? If a retailer has a chip reader, you simply insert your card into the terminal slot, follow the prompts and wait for it to process.

When traveling outside of the continental United States, you will need to use your PIN with the new chip-based card. Your PIN will be sent to you in a separate mailing.

What if a retailer or merchant doesn't have the ability to take an EMV chip card? No worries ? your card has both the chip and the older magnetic stripe functions, and therefore can be used both ways.

If you have any questions about the new Visa chip card, call us at (800) 696-6009.

New! Deposits on the Go...With Anytime Mobile Check Deposits

D eposit your checks anytime, anywhere, with your mobile phone. It's easy and secure.*

1) Log in to Mobile Banking from your iPhone or Android devices, and select the "AnytimeDeposit" button

2) Choose your deposit account, and enter the amount of the check

3) Endorse the back of the check, then take a picture of the front and back

4) Submit your deposit

Not yet using our Online and Mobile Banking Service? Sign up today at .

Once you are registered for our online banking, download the Free iPhone or Android Mobile Banking App, log in and you'll be able to view your accounts, deposit checks and make transactions safely and securely.

*Access to the Anytime Mobile Check Deposit feature is available to members with a Secure Checking account. Other eligibility criteria may apply. If you do not yet have our Secure Checking account, call us or go to to learn more and sign up.

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