PRR South Fork Federal Credit Union

220   Main Street, P.O. Box 195

(814) 495-5150     South Fork, PA  15956     www.prrsouthfork.com

Dividends Declared for October  1, 2011

Your Credit Union Board of Directors has declared the dividend rates to be  paid October 1, 2011. Because of the current interest rate environment, and the lower  return  we  are  getting on our investments, we have had to lower our dividend rates.    PRR remains  financially  strong, and that allows us to pay some of the  highest rates in the area.  We  are pleased to announce that our assets as  of 08/31/2011 were  $42,050,679.49  with reserves of $6,101,618.61.   Our  Capital  Ratio  stands strong  at  14.51%.

 Thanks  to “Our Members” your credit union continues to grow.

  Savings Rates  –  3rd Quarter 2011                                                Loan Rates

   .60% APY on amounts up to $2,000                      Share Secured     3 .75%             Boat, Rec Vehicle    8.75%

   1.10% APY from   $2,001 to $10,000                     1^st Mortgage         4.98%              Mobile Home           9.75%

   1.51% APY from $10,001 to $30,000                     5 Yr Home Eq      4.72%               Fuel Special            7.00%

  1.81% APY on amounts over $30,000                    10 Yr Home Eq     5.50%              Computer Loan       8.99%

        IRA’s – Regular & Roth

1.51% APY on amounts up to $15,000                      New  Motorcycle    6.49%

1.81.% APY on amounts over $15,000                      Signature Loan       8.50%

Christmas Clubs       .50% APY                                 Auto  2009 – 2011   3.50%

Checking Accounts .40% APY on $250 +                  Auto  2005 – 2008  4.50%

    Christmas Club Accounts will be deposited to your Shares on September 30, 2011.

 BRING YOUR LOANS TO PRR SOUTH FORK FCU

Signature Loans and Auto Loans

Refinancing can be as easy as   1-2-3

Refinance your loan from another institution

1 Year Term 1.25%

2 Year Term 2.25%

3 Year Term 3.25%

4 Year Term 4.25%

5 Year Term 5.25%

Save an additional .25% with automatic payments.

For More Information call (814) 495-5150

***CAUTION *** SECURITY ALERT ***

Members please be aware of Caller ID Spoofing scams.  Technology has made it possible for pranksters, as well as criminal elements,  to be able to disguise the phone number and the name that shows up on your Caller ID display.  For your protection, PRR will call to verify if a transaction clears your account that has originated outside the United States. We will also call if your account has been overdrawn.   Falcon Alert Management will call on behalf of PRR to verify unusual activity on your credit card with us.

PLEASE REMEMBER: UNDER NO CIRCUMSTANCES SHOULD YOU EVER GIVE OUT ANY PERSONAL INFORMATION OR  ACCOUNT NUMBERS TO ANYONE OVER THE TELEPHONE UNLESS YOU HAVE MADE THAT CALL TO A TRUSTED AND VERIFIED SOURCE.  If you have an account with us, PRR already has your information and your account numbers.

If you receive any suspicious phone calls like this, please do not hesitate to call your Credit Union

(814) 495-5150.   We are here to help you.     

 OFFICE CLOSINGS:

Columbus Day – Monday, October 10, 2011

Veterans Day – Friday,   November 11, 2011

Thanksgiving Day – Thursday,  November 24, 2011

Christmas Holiday – Monday, December 26, 2011

New Year’s Holiday – Monday January 2, 2011

                            OFFICE HOURS:                              

Monday – Thursday 9:00 a.m. – 4:00 p.m.

Friday  – 11:00 a.m. – 6:00 p.m.

In our continuing efforts to serve you better, PRR will be upgrading our computer system. This will be taking place Saturday, July 23rd, Sunday, July 24th, and Monday July 25th. Your credit union office will be closed on Monday, July 25th so that we will be able to test all electronic and day to day processing, and be ready to serve our members on Tuesday, July 26th. During that time, Online Banking will not be accessible. Tuesday we will be open our regular business hours of 9:00 a.m. to 4:00 p.m. We apologize for any inconvenience this may cause, and thank you for your patience.

Member Appreciation for 75 Years to be held August 12, 2011

Mark your calendars for Friday, August 12, 2011. We would like to invite you, the members of PRR South Fork FCU, to stop in the credit union office for hot dogs, chips, and soda. Our Friday hours are 11:00 a.m. – 6:00 p.m. We hope to see you then! Please come and help us Celebrate 75 years of “People Helping People”.

12th Annual PRR Golf Tournament Scheduled for September 24th

The 12th Annual PRR Golf Tournament will be held at the Ebensburg Country Club on Saturday, September 24th 2011. Please arrive by 12:30 p.m. There will be a 1:00 Shot Gun start. The cost will be $55.00 per person, which includes green fees, cart, meal and on course refreshments. Your registration form and payment is due by August 25, 2011, and can be dropped off at the credit union office. Please contact: John Smith (814) 536-3439 / (814) 421-6169 or Kutzie Slebodnick (814) 886-2009.

Dividends Declared for July 1, 2011

Your Credit Union Board of Directors has declared the dividend rates to be paid July 1, 2011 with minimal changes. Because of the current interest rate environment, and the lower return we are getting on our investments, we have had to lower our dividend rates. PRR remains financially strong, and that allows us to pay some of the highest rates in the area. We are pleased to announce that our assets as of 05-31-2011 were $42,130,709.65. with reserves of $6,064,260.64 Our Capital Ratio stands strong at 14.40%. Thanks to You “Our Members” your credit union continues to grow

Your Credit Union Board of Directors has declared the dividend rates to be paid October 1, 2010. Because
of the current interest rate environment, and the lower return we are getting on our investments, we
have had to lower our dividend rates. PRR remains financially strong, and that allows us to pay some
of the highest rates in the area. We are pleased to announce that our assets as of 08-31-2010 were
$39,714,913.81, with reserves of $5,903,676.02. Our Capital Ratio stands strong at 14.87%.
Thanks to “Our Members” your credit union continues to grow.

IRA’s – Regular & Roth

• 2.01% APY on amounts up to $15,000
• 2.52% APY on amounts over $15,000
• Christmas Clubs .75% APY
• Checking Accounts 1.00 APY on 250
• Christmas Clubs Accounts will cash-out on September 30, 2010

Do You Have a PRR South Fork Visa Credit Card?

Compare our rate to your other credit cards. If you are paying 15%, 20%, 25% or more on your
credit cards, then you’re paying too much in interest. PRR offers a low interest rate of 10.9% on
our Visa Credit Cards. Call today for your Visa Credit Card Application and start saving (814) 495-5150.

OFFICE HOURS:

Mon – Thurs  9:00 a.m to 4:00 p.m.
Friday Hrs – 11:00 a.m. to 6:00 p.m.

Office Closings

• Verification of Accounts September 30, 2010
• Columbus Day – October 11, 2010
• Veterans Day – November 11, 2010
• Thanksgiving Day – November 25, 2010
• Christmas Eve – December 24, 2010 – 9:00 a.m. – Noon
• New Year’s Eve – December 31, 2010 – 9:00 a.m. – Noon

Dividends Declared for July  1, 2010

Your Credit Union Board of Directors has declared the dividend rates to be paid July 1, 2010 with minimal changes. Because of the current interest rate environment, and the lower return we are getting on our investments, we have had to lower our dividend rates.    PRR remains financially strong, and that allows us to pay some of the highest rates in the area. We are pleased to announce that our assets as of 05-31-2010 were $40,165,406.43, with reserves of $5,875,738.87.  Our Capital Ratio stands strong at 14.63%.  Assets have increased over $1.8 million in 2010.  Thanks to “Our Members” your credit union continues to grow.

IRA’s – Regular & Roth

• 2.83% APY on amounts up to $15,000
• 3.35% APY on amounts over $15,000

Beware of High Credit Card Interest Rates !!!

If you are paying 15%, 20%, 25% or more on your credit cards, then you’re paying too much in interest. PRR offers a low interest rate of 10.9% on their Visa Credit Cards. We want to help you to keep more of your “take home pay”. Call today for your Visa Credit Card Application and start saving (814) 495-5150.

OFFICE HOURS:

Mon – Thurs 9:00AM
Friday Hrs – 11:00AM

Office Closings

Columbus Day – October 11, 2010
Veterans Day – November 11, 2010
Thanksgiving Day – November 25, 2010

PRR SOUTH FORK  FEDERAL CREDIT UNION
Account Service Fee Disclosure Effective August 15, 2010

Savings/Share Account Fees

• Regular Shares – Membership Fee  $  3.00
• Christmas Club –Early Withdrawal            $  2.00
• IRA Application Fee                    $10.00

Checking/Share Draft Fees

• 1^st NSF  $ 10.00 per item
• 2^nd NSF $ 15.00 per item
• 3^rd NSF  $ 20.00 per item
• Check overdraft trans fee   $   1.00 per item
• Stop Payment fee             $ 10.00 per item
• Check Copy fee per item   $   2.00 per item

VISA/ATM Fees ** Check overdraft trans fee   $   1.00 per item

• Visa Application   $  10.00
• Visa Credit/Debit Card replacement      $  10.00 per card
• Visa  Credit/Debit Pin replacement       $    1.00
• Visa Credit Card late payment             $  10.00
• Visa payment returned check (NSF)      $  20.00
• ATM  withdrawal fee    $   1.00 (after 6 per month

CHANGES TO OUR FUNDS AVAILABILITY POLICY

When you opened your account with us, you received our Funds Availability Policy which identified when items deposited to an account became available to be withdrawn in cash and to pay checks that you have written.  Because of changes in the manner the Federal Reserve System processes checks, we were required to amend our Funds Availability Policy.  This only applies to the availability of funds in transaction accounts (share draft/checking). The effect of this amendment is that in some instances checks presented for deposit may be available to you more quickly than would have occurred previously; in no instance will the change result in availability being delayed longer.  This will benefit members as there will no longer be a designation of a “non-local check” which created a longer processing time.  Same Day Availability of Funds, longer delays due to certain circumstances, rules for new accounts and all other policies will remain the same as disclosed in our Check Clearing and Funds Availability Policy.  A copy of our policy is posted in our lobby, and available upon request.

           PRR SOUTH FORK  FEDERAL CREDIT UNION

                     MEMBERS YOU ARE INVITED   !!!

                   WHAT:                             74th Annual Dinner Meeting

                   WHEN:                                  Thursday, April 22, 2010

                   WHERE:                           The Homestead Inn, Elton, PA             

                    TIME:                                                     6:00 P.M.

                     MENU:                                       Family Style Dinner

                                                         Swiss Steak orTurkey with Stuffing

                      COST:           $12.00 for Members and $15.00 for Non-members

                             Call the credit union office to make reservations (814) 495-5150.

                          Reservations must be made, and paid for  by Monday, April 12, 2010.

                                            PLEASE COME AND JOIN US FOR AN EVENING OF

                                       GOOD FOOD, GOOD FELLOWSHIP, AND DOOR PRIZES.

  ***************************************************************************************************************************

                                                  THINK   SPRING!!!   Home Equity Loan Special

Now is the time to make those home repairs and improvements that you’ve been thinking about, but haven’t gotten around to doing.  Let the PRR South Fork FCU help you replace that roof, install new siding, build a new deck, patio, or even a new swimming pool.  Then relax and enjoy your summer.  

                         5 year Home Equity Loan 4.99% *** 10 year Home Equity Loan 5.99%

                                                     AUTO PROMOTION To Begin In April

Let us help you finance your new vehicle.. All 2008 – 2010 models are at a great low rate of  4.99%

                                            Are Your Credit Card Interest Rates Sky High ???

Are you paying 18% ,22%, 25% or more on your credit cards?  PRR offers a low interest rate of 10.9% on their Visa Credit Cards.  Call today for your Visa Credit Card Application and start saving (814) 495-5150.

            Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.  National Credit Union Administration a U.S. Government Agency.