P&G Mehoopany Employees

Federal Credit Union CUbby Quarterly

Annual Privacy

Notice

2

Board Candidate

Notice

2

Flood Relief Grants 2

Website 2

2012 Closings 2

Reality Fair 2011 3

Locations/Hours 4

ATM Locations 4

Rates 4

January, 2012

Mission Statement

2011 Scholarship Application

To be a partner in

fulfilling Member’s

lifelong dreams

pgmfcu.com

will now be:

pgmfcu.org

The P&G Mehoopany Employees Federal

Credit Union would like to reward deserv-

ing students for their academic achieve-

ments. In the credit union spirit of “People

Helping People,” P&G Mehoopany Em-

ployees Federal Credit Union is proud to

offer four $1,000 scholarships.

Eligibility

Members who are high school

students or college undergraduates

ages sixteen to twenty-two.

Good standing with P&G MEFCU and

the community.

College undergraduate student or high

school student who will be attending

an accredited institution.

Applicants are judged on scholarly merits,

community and school involvement and a

submitted 500-word essay on a predeter-

mined subject. Applications are available

at all of the P&G MEFCU offices. Contact

Lorraine Rosenberry if you have questions

or to have an application sent to you: 570-

836-0326, Fax: 570-836-6475, Email:

l.rosenberry@pgmfcu.org.

Need to spruce up around the house? Need

extra cash for that “must have” item? We

can help! Contact one of our

loan officers for more infor-

mation. Offer good February

1st, 2012 through April

30th, 2012.

Home Equity/2nd

Mortgage Loan Sale

Vision Statement

To provide the best

products, services

and educational

opportunities for

members to achieve

and maintain

financial security

Supervisory Committee Update

Hello from the Supervisory Committee—

Joyce Larson, Sue Tereska, Rose

Savignano, and Donna Harvey.

The Supervisory Committee is comprised

of volunteers appointed by the credit union

Board of Directors. The Supervisory Com-

mittee is committed to work hard to ensure

the safety of YOUR credit union. Our re-

sponsibilities include teller and vault audits

and hiring independent auditors to audit

loans, dormant accounts and many other

areas.

The Supervisory Committee maintains a

separate mailbox from the credit union

used for the various functions related

solely to the Committee. The Supervisory

Committee’s address appears on members

statements which is a requirement of fed-

eral regulators. If you send mail intended

for the credit union to this address, it may

be delayed getting to the credit union.

We are asking that you use the credit un-

ion’s mailing address to send all payments,

deposits and correspondence intended for

the credit union.

P&G Mehoopany Employees Federal

Credit Union

15 Lane Hill Road

PO Box 210

Tunkhannock, PA 18657

We wish you the best this beautiful NEPA

winter season!

Sincerely,

The Supervisory Committee

Inside this issue:

Page 2

We are happy to announce the launch of our re-designed

website! We are switching over from www.pgmfcu.com

to www.pgmfcu.org.

The website is formatted to be more user friendly and

have more information. Also, check out our Mobile

Banking option on your phone so you can do all your

banking on the go!

Be sure to find us on Facebook:

www.facebook.com/pgmfcu *AND*

Follow us on Twitter: @pgmfcu

...to keep up-to-date with all the events, promotions and

happenings at the credit union!

Annual Privacy Notice

The P&G Mehoopany EFCU is owned by its members and

run by a board of directors elected by the membership. You can be

confident that your financial privacy is a top priority of this credit

union. We are required by law to give you this privacy notice to ex-

plain how we collect, use and safeguard your personal financial in-

formation. If you have any questions you may contact the credit un-

ion at 570-836-3227.

We are committed to providing you with competitive products and

services to meet your financial needs, which necessitates that we

share information about you to complete your transactions and to

provide you with certain financial opportunities. In order to do so, we

have entered into agreements with other companies that provide ei-

ther service to us or additional financial products for you to consider.

Under these arrangements, we may disclose all of the information we

collect, as described below, to companies that perform marketing or

other services on our behalf or to other financial institutions with

whom we have join marketing agreements. To protect our members’

privacy, we only work with companies that agree to maintain strong

confidentiality protections and limit the use of information we pro-

vide. We do not permit these companies to sell to other third parties

the information we provide to them.

We collect and may disclose nonpublic personal information about

you from the following sources: 1) Information we receive from you

on membership and loan applications and other forms, 2) Informa-

tion about your transactions with us or others, 3) Information we

receive from a consumer reporting agency, and 4) Information ob-

tained when verifying the information you provide on an application

or other forms, such as from your current or past employers or from

other institutions where you conduct financial transactions.

As mentioned earlier, the credit union is in business for you, the

member, and we are committed to protecting your financial privacy.

The credit union will be accepting candi-

date sheets from members interested in running for the

credit union Board of Directors. If you are a member in

good standing and are interested in running for the

Board of Directors, please contact Kim Zelna at 570-836

-0330 to receive a candidate questionnaire/application.

Applicants will be accepted until February 1, 2012.

After February 1, a member may run for the Board of

Directors of the P&G Mehoopany Employees Federal

Credit Union by submitting a petition with the signa-

tures from 1% of the membership (150 signatures) to the

Secretary of the Board. Included with the petition must

be a signed statement indicating that the petitioner ac-

cepts the nomination and will serve if elected. Petitions

must be received no later than February 28, 2012. Please

mail petitions directly to the Tunkhannock office.

Board Candidate Notice

2012 Closings The credit union will be closed on the following days in

2012:

Monday, January 2nd

Monday, January 16th

Monday, February 20th

Monday, May 28th

Wednesday, July 4th

Monday, September 3rd

Monday, October 8th

Monday, November 12th

Thursday, November 22nd

Tuesday, December 25th

*Also, please note on page 4 that our hours have

changed.

Newly Designed Website!

Flood Relief Grants from cuaid.coop

The flood that NEPA experienced in September of 2011

was devastating to many of our members. We at the

credit union wanted to do something to help these peo-

ple in need. We were able to award $11,000 in CU Aid

Grants to 18 families who suffered losses due to the

flood.

Page 3

Management Team

Kim Zelna, CPA, President/CEO

Patrick Holmes, VP Operations

Kathy Stanziale, VP of Compliance and HR

Annette Lynch, VP Lending

Board of Directors

David Sturdevant, Chairperson

Vic Purdy, Vice Chairperson

Christine Strumski, Secretary

Lyman Palmer

Mike Gipson

Donna Harvey

Tom Kukuchka

Edee Smith

Manny Savignano

Supervisory Committee

Joyce Larson, Chairperson

Donna Harvey

Sue Tereska

Rose Savignano

2011 Financial Reality Fair

On November 16th, 2011 the first Financial Reality fair sponsored by the Pennsylvania Credit Union Association and the Pennsyl-

vania Credit Union Foundation was held at the Capitol Building in Harrisburg, PA. Over 180 students, including 6 from our very

own, Susquehanna Career & Technology Center, were in attendance to learn and practice managing money. This is all part of the

Real Solutions initiative and aligns with our mission at the credit union to provide financial education and literacy to students. Vol-

unteers and representatives worked various booths to help students with budgeting decisions. Secretary of Banking, Glen Moyer

stopped by to see the event and meet the students, volunteers, and representatives. Overall, it was a very successful and fun event for

all in attendance!

pgmfcu.com will

now be pgmfcu.org

Office Hours Monday through Thursday Friday Saturday

Tunkhannock

Drive Thru

9:00 a.m. - 4:00 p.m. 7:30 a.m. - 6:00 p.m. 7:30 a.m. - 12:00 p.m.

Tunkhannock 9:00 a.m. - 4:00 p.m. 9:00 a.m. - 6:00 p.m. 9:00 a.m. - 12:00 p.m.

P&G Plant 7:00 a.m. - 3:00 p.m. 7:00 a.m. - 3:00 p.m. Closed

Tyler Hospital* 8:00 a.m. - 4:00 p.m. 8:00 a.m. - 4:00 p.m. Closed

Eynon 9:00 a.m. - 4:00 p.m. 9:00 a.m. - 6:00 p.m. Closed

Wyalusing 9:00 a.m. - 4:00 p.m. 9:00 a.m. - 6:00 p.m. Closed

Dallas 9:00 a.m. - 6:00 p.m. 9:00 a.m. - 12:00 p.m. 9:00 a.m. - 4:00 p.m.

Page 4

P&G Mehoopany Employees Federal Credit Union Locations

ATM Locations

Tunkhannock Drive Thru

15 Lane Hill Road, Tunkhannock

P&G MEFCU P&G Plant Office

Route 87, Mehoopany

P&G MEFCU Tyler Hospital Office

Route 6, Tunkhannock

RJ’s Food Mart

Route 6, Meshoppen

Cargill/Taylor Beef

Wyalusing

P&G MEFCU Dallas Office

70 Country Club Plaza, Dallas

P&G MEFCU Wyalusing Office

Taylor Avenue, Wyalusing

Susquehanna Career and Technology Center

Elk Lake High School, Dimock

Wyoming County Courthouse

1 Courthouse Square, Tunkhannock

Loans

Approx. Term

(in months) Daily Periodic APR*

Signature Loan 12-72 0.025890% - 0.036301% 9.45% - 16.50%

Fuel Loan 12 0.010959% 4.0%

New Car & Truck,

Campers

24 0.008192% - 0.028767% 2.99% - 10.50%

36 0.008904% - 0.029452% 3.25% - 10.75%

48 0.009589% - 0.030137% 3.50% - 11.00%

60 0.010274% - 0.030822% 3.75% - 11.25%

72 0.013699% - 0.033562% 5.00% - 12.25%

84 0.015068% - 0.035616% 5.50% - 13.00%

Used Car & Truck,

Campers

(6 years and older)

12 0.010932% - 0.029452% 3.99% - 10.75%

24 0.013014% - 0.030137% 4.75% - 11.00%

36-48 0.015068% - 0.032877% 5.50% - 12.00%

New Recreational Vehicle 120 0.016411% - 0.031507% 5.99% - 11.50%

Used Recreational Vehicle 120 0.019151% - 0.032877% 6.99% - 12.00%

Share Secured 48 0.012329% 4.5%

Savings & Investments

Type Int/Div Rate APY**

Regular Shares .15% .15%

Christmas Club .25% .25%

Vacation Club .25% .25%

IRA Accumulation Account .25% .25%

Roth Accumulation Account .25% .25%

Super Saver Kids Club .25% .25%

Term Share Certificates

Term APR* APY**

6 months .35% .75%

1 year .60% 1.00%

2 years .75% 1.26%

3 years 1.00% 1.51%

4 years 1.25% 1.76%

1 year Student CD* 2.00% 2.00%

*Must be a student. Min. deposit of $100 and Max. deposit of $250.

Ages 14 - 22. Limit 1 per student.

IRA Regular and Roth

Term APR* APY**

24 months .75% .75%

Tunkhannock, 15 Lane Hill Road, Tunkhannock PA 18657 570-836-3227

Eynon, 202 Betty Street, Eynon PA 18403 570-876-6414

Plant, 5188 SR 87, Mehoopany PA 18629 570-833-2313

Wyalusing, 103 Taylor Avenue, Wyalusing PA 18853 570-746-5101

Tyler Hospital, Route 6 W, Tunkhannock PA 18657 570-996-1186

Dallas, 2859 SR 309 Hwy, Suite 70, Dallas PA 18612 570-675-3370

Maines, 101 Broome Corporate Parkway, Conklin NY 13748 607-217-5384

Student Branches:

Tunkhannock High School

Susquehanna Career and Technology Center

Dallas High School

West Side Career and Technology Center

*Closed for lunch