Making Your Financial Health Better
Now Available…Mobile Banking
You can now access the Credit Union on your
mobile phone for FREE*. You can access a scaled
down version of our home banking system, which
allows you to view accounts and transfer funds,
right from your web enabled phone.
In addition, we have a specifically designed
webpage suited for web enabled phones that you
may access to compare savings and loan rates,
credit union contact information and links to
surcharge free ATMs and share branching(credit
union service center) locations.
Our mobile web address is www.PAHealthCareCU.com/mobile/
Combined with our Text Banking option, we offer more mobile banking
options than other credit unions and even banks.
*Free for members, however your wireless carrier may charge you a fee for mobile webpage content and/or
data usage rates would apply, if applicable to your individual wireless plan.
Looking for End-of-Year Car Deals
If you are heading out car shopping between now and the end of the year,
these last few weeks can be a great time to get car deals. Automakers and dealers are always anxious to boost their total annual sales.
Dealer incentives can be deducted from the purchase price if the customer
knows to ask. Vehicle information web sites like Kelley Blue Book and Edmunds.
com offer a model-by-model list of what incentives are being offered to dealers
as well as manufacturer rebates for consumers.
Wondering when to buy? Avoid the weekend for the best car deals, according
to research by TrueCar, a new-car pricing web site that lists actual sale prices
for specific models in the shopper’s geographic area. TrueCar’s analysis states
that the days leading up to December 25th and the week between Christmas
and New Year’s Day are the best days of the year to shop when you can expect
to save the most money.
ItÊs the
Most Wonderful
T ime of the Year!
Holiday
Helper
Loan
9-Month Holiday Loan
No Payments until January 2011
Still Time to Score A
Christmas Club Distributions
If you did not notify us to have your Christmas Club
funds either mailed as a check or transferred to your Credit
Union Checking Account, the balance was transferred to
your Regular Share Savings Account on October 1st. You
may withdraw these funds at anytime in whole or in part.
Notice
Effective December 1, 2010, courtesy notices mailed for Non-Sufficient
Funds (NSF) and automatic transfer fees within your accounts will no longer
be sent.
Perfect 10
Fourth Quarter 2010
Holiday Closings
Consumer Protection:
This Holiday, Give Scammers the Slip!
Columbus Day (Observed)
With back-to-school shopping in full swing, and the holidays looming, no doubt your
credit and debit card will be getting some mileage. It’s during these busy times that our
guard comes down, and the door opens to unscrupulous identity thieves and scammers.
Learn how to protect yourself and what to do if you suspect someone has accessed your
personal account information.
 Limit the number of credit cards you carry with you. If you lose one card, the others
are safe at home, and you’ll have less of a headache when you go to sort everything
out later.
October 11th
Veteran’s Day
November 11th
Thanksgiving Day
November 25th
Christmas Eve
(Christmas Day observed)
December 24th
New Year’s Eve
 Be aware of those around you when inputting your PIN number.
Whether you’re at the checkout counter or an ATM machine, make
sure you cover up your PIN number and be alert of anyone
acting suspiciously. Also, safely tuck away your cash and do
not leave it exposed.
(New Year’s Day observed)
December 31st
VISA® Gift Cards Make
Great Holiday Gifts.
 When making online purchases, be sure to check your
credit card statement for fraudulent purchases. Make
sure you’re purchasing from a reputable source, and if
you’re not sure, give them a call and place your order
over the phone.
 Check your receipts and shred any that display your
entire credit card number.
If your identity has been compromised, contact the Credit Union
and any credit card issuers immediately. By contacting these financial
institutions immediately, you limit your liability. For more information
on how you can protect yourself and what you can do if your identity has been stolen,
contact us immediately.
We have over 3,400 branches!!!
The Credit Union is part of the Shared Branching network of Credit Union Service
Centers. This provides access to your account at over 3,400 credit union branches nationwide, nearly 80 locations in Pennsylvania and over 20 locations in the Pittsburgh area. Visit
our website at www.PAHealthCareCU.com for FAQ’s and link to locations.
Any amount from $10 to
$500 for only $2.99 Each.
VISA® Card Information
Available 24 Hours
1-800-433-0505
www.eZCardInfo.com
Dividend Rates
Rates for regular and IRA Designated Accounts
Third Quarter 2010....................................... APR
Share Draft Checking ...................................... 0.00%
Share Savings ($100 and over) ................................... 0.50%
All Clubs ($5 and over) ........................................... 0.25%
Money Market
$500 - $9,999.99............................................. 1.00%
$10,000 - $24,999.99 ..................................... 1.10%
$25,000 and above .......................................... 1.20%
APY
0.00%
0.50%
0.25%
1.26%
1.36%
1.46%
Fourth Quarter 2010 ................................... APR
Share Draft Checking...... ................................ 0.00%
Share Savings ($100 and over) ................................... 0.25%
All Clubs ($5 and over) ........................................... 0.10%
Money Market
$500 - $9,999.99............................................. 0.50%
$10,000 - $24,999.99 ..................................... 0.60%
$25,000 and above .......................................... 0.70%
APY
0.00%
0.25%
0.10%
0.50%
0.60%
0.70%
APR = Annual Percentage Rate; APY = Annual Percentage Yield. Amounts based on average daily balance over the period. Share Certificates (CDs) also
available. Visit www.PAHealthCareCU.com for rates.
Contact Information
HVS Office
HVB Office
412-749-7099 • FAX 412-749-7680
7:00 A.M. – 4:00 P.M.
724-773-8300 • FAX 724-773-8303
7:30 A.M. – 4:00 P.M.
Mailing Address:
720 Blackburn Road • Sewickley, PA 15143
www.PAHealthCareCU.com