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Refinance Your Auto Loan and Save

Do you currently have an automobile loan with another financial institution? Take a minute to examine the current interest rate you're paying. Does it seem a bit high to you? If so, now would be a great time to refinance your automobile loan with Pittsford FCU. We're currently offering a rate of 3.99% APR on all used or refinanced vehicles for up to 60 months.

If you're curious as to how much you can save by refinancing, call us at 624-7474, or see for yourself at PittsfordFCU.org and use our quick links "Refinance" calculator. Simply plug in the current balance, rate, and payment to compare our offer with the terms of your existing loan. It only takes a few minutes, and there are no fees or hidden costs for refinancing. The table here shows a few examples of the savings possible when you refinance.

Auto Comparison

Or, if you're interested in purchasing a new vehicle, we're currently offering 2.99% APR on new vehicles for up to 72 months.

In addition to our refinance calculator, Pittsford FCU has an extensive online resource library to help you research all of your automobile financing needs, including links to:

  • New and used car pricing guides from NADA and Edmunds
  • Manufacturer incentives and rebates
  • Vehicle safety and recall information
  • Rate vs. rebate calculator
  • BalanceTrack's "Drive Away Happy"
  • CUDL's "Research. Shop. Buy."
  • Enterprise car sales.


 

iPad

Announcing Our New App for iPad

Now you can get instant access to your finances with the tap-and-go convenience of your iPad.

Our free app for iPad brings you the power and security of online banking, but it's optimized for the iPad.

  • See all your account balances at a glance
  • Instantly view transactions for each account
  • Securely transfer funds with a few taps
  • Pinpoint the nearest ATM or branch wherever life takes you

Search the App Store to download our free app for iPad today.

 

 

Online and Aware: Avoiding Scams

The convenience of shopping, banking, paying bills, and communicating electronically has become part of our daily lives and saved us time and hassle. Unfortunately, it has also opened a door for new and continually developing criminal activity. With the increase in online personal business transactions has come an increase in identity theft and other types of consumer fraud.

Many consumers are tricked into divulging their personal information by thieves posing as legitimate companies or government agencies. This brand of criminal sends emails/calls/texts, known as phishing and vishing, that appear to be from the victim's financial institution, or other trusted source, and link to a fraudulent website or 800 number for collecting the information. Because the technology they use is so sophisticated, many consumers have no idea they've been victimized until it's too late. The thieves then create entirely new identities or plastic cards using the victim's divulged personal information.

Avoiding Scams

While scams are becoming more prevalent and sophisticated all the time, there are steps you can take to avoid being victimized:

  • Any email/call/text with urgent requests for personal financial information, such as credit card numbers, checking account information, Social
    Security numbers, passwords, and other sensitive personal information, should be a red flag. Scams include upsetting or exciting statements in their emails to get people to react immediately.
  • Don't use the links in an email or text to get to any web page if you suspect the message might not be authentic. Instead, call the company on the telephone or log onto their website directly by typing in the company's web address in your browser.
  • Do not fill out forms in email messages or automated phone systems. Only communicate information such as credit card numbers or account information via a secure website or the telephone – and only when you initiate the contact. Look for the lock icon on the browser's status bar and look for the URL to read "https" vs. "http".
  • Regularly check your checking, credit and debit card statements to ensure that all transactions are legitimate. If anything is suspicious, contact your financial institution and all card issuers.
  • Ensure that your web browser is up-to-date and timely security patches are applied.

Armed with good, old-fashioned common sense, you can thwart any financial scam. Please alert a Credit Union representative if a transaction you are involved in has any of these tell-tale signs:

  • It sounds too good or outrageous to be true.
  • It involves sending money back to the sender for overpayment of taxes on winnings.
  • It involves divulging personal and/or financial information during an unsolicited call or email.

 

 

Congratulations, PFCU Scholarship Winners!

Six college-bound seniors have each won scholarships totaling $1,000 in recognition of their outstanding academic achievement and community involvement. One recipient was selected for the $1,000 Rochester Chapter of the Credit Union Association of New York (CUANY) Scholarships, while Pittsford FCU funded an additional five scholarships. This is the 10th year that Pittsford FCU members were awarded scholarships, with a total of $49,500 distributed to outstanding Pittsford FCU members.

Rochester Chapter of CUANY Scholarship Recipient:

  • Stefan Styk, Pittsford

ScholarshipPittsford FCU Scholarship Recipients:

  • Jeremy Cheehan, Pittsford
  • N Hunter Green II, Pittsford
  • Allison Hallock, Pittsford
  • Sarah Spangenburg, Falconer
  • Megan Stoutz, Fairport

Photo: N Hunter Green II, Meghan Stoutz, Allison Hallock, and Jeremy Cheehan receive their scholarships at Pittsford FCU.

 

 

Paying Bills Made Even Easier

Did you know setting up Direct Payment offered by your billers and utilities can save you time every month? Direct Payment requires an easy, one-time setup process with just our ABA #222381918 and your checking account number. Never worry about late or missed payments again. To get started, visit PittsfordFCU.org/direct and start paying utilities such as the Monroe County Water Authority, Frontier, RG&E, and Time Warner. If you have any questions, call us at (800) 836-8010.

 

 

Go Green with Our Relay Team

Pittsford FCU is again teaming up with the American Cancer Society for the Relay for Life event July 14-15 at Pittsford Sutherland High School. Amy Kordovich, Mendon Branch Manager and relay team participant, would like to let members know they can participate by helping us reach our relay team goal simply by switching from paper statements to eStatments.

Pittsford FCU will donate $5 for each member who makes the switch between April and July, 2012. Last year, Pittsford FCU raised more than $5,000 – almost $1,900 of that from members who switched to eStatements during the campaign. Help us fight cancer by going paperless with eStatements at PittsfordFCU.org/GoGreen.

 

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Your savings 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.