Premier NewsA quarterly publication of Premier Community Credit Union Fall 2014

Holiday NoticeAll PCCU locations will be closed in observance of the following holidays:

Columbus DayMonday, October 13, 2014

Veterans DayMonday, November 10, 2014

Thanksgiving DayThursday, November 27, 2014

Black FridayFriday, November 28, 2014

Christmas Eve - closed@1PMWednesday, December 24, 2014

Christmas DayThursday, December 25, 2014

New Years Eve - closed@1PMWednesday, December 31, 2014

New Years DayThursday, January 1, 2015

Happy Holidays to our members! Best Wishes for a great 2015.

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.

Premier Highlight

The Grand Slam is going beyond with Extra Innings starting October 1, and lasting all the way through October 31. It’s not too late to get in on this amazing promotion! Stop by your nearest PCCU Service Center today!

Get Away Today and Premier Community Credit Union have teamed up to bring you the most savings on your Southern California vacation! Package pricing for 2015 is now in. Be among the first to book your Disney vacation and you’ll have first pick of the best hotels, deals and more. For ultimate flexibility, use Get Away Today’s interest free Layaway Plan and hold your reservation for as low as $125 down! Rest assured knowing your low price is locked in and take time to pay for your vacation before you go. Whether you’re headed to the Disneyland® Resort, LEGOLAND® California, San Diego, Huntington Beach or Universal Studios Hollywood, Get Away Today and Premier Community Credit Union will make sure you get the lowest price and best service! Call 855-GET-AWAY or visit www.getawaytoday.com.

10 Holiday Shopping Tips from Kiplinger.com

The holidays tend to unbalance everyone’s budget. We often end up charging gifts on our department store cards or our credit cards. These 10 tips can help you stretch or reduce your holiday expenses. Read more at Kiplinger.com.

1. Pay cash – You will think twice about when you pay in $100 bills. When you’re out of cash, you tend to stop spending.

2. Know thy enemy – If you need to use your credit cards, make sure you use the ones with the lowest interest rates or favorable terms.

3. Keep a running tally of your credit-card spending -- When you come home from a day of shopping, immediately subtract what you’ve spent from your checking-account balance. Not only does that give you a vi-sual record of how much you’ve spent, but also it ensures that you’ll have enough money in the account to pay the bill when it arrives.

4. Have a plan for paying off your bills -- Come up with a realistic spend-ing plan. If you overspent last year, it’s time to cut back. But slashing your budget in half can be like trying to quit smoking cold turkey -- it often doesn’t work, and your failure makes you feel worse than before.

5. Get easy gifts out of the way early --Sets aside money for cash gifts -- to the paper boy, the babysitter, the hairdresser, the trash collectors, out-of-town nephews -- before Thanksgiving. That way those presents don’t have to come out of her December shopping budget.

6. Make a list -- Writing down which stores you’ll visit and which gifts you plan to buy helps focus your shopping excursion and makes the chore more pleasant because you don’t get caught up in holiday hyste-ria. You’ll spend less money than if you rush from store to store snapping up “bargains” willy-nilly?

7. Think outside the gift box. Plenty of alternatives are less expensive, and more fun, than buying a gift for every sibling, in-law, niece and nephew. Instead, have a family gift exchange in which you each choose one name and put more thought than money into selecting a single gift. The best gifts don’t cost money – making a photo album or spending time with a loved one is priceless.

8. Be creative with the kids -- If you plan a trip to Disneyland during winter break or spring vacation, stuff the kids’ stockings with guide-books, maps and Disney memorabilia, and let them plan their excursion. You’ll save money on holiday gifts, and they’ll enjoy weeks of pleasure without becoming bored.

9. Look ahead to next year – If you haven’t done so, start an old-fash-ioned holiday-club account. You can easily set up an automatic transfer from your checking account each month, and have a nice pile of money for the holidays.

10. Count your pennies. Picking up coins (even pennies) and tossing them into a big jar, along with the change from your pockets every day can be used to buy holiday gifts. This could add up to between $900 and $1,100 for holiday expenses.

Let PCCU help you manage your expenses this season. Instead of high interest department store cards, take advantage of our a low interest Holiday Loan, and low interest credit cards with balance transfers. Apply online at premierccu.org/loans, call us at 209.235.1100 or stop by.

CongratulationsComment Card Winners!Thank you to all the members who filled out Comment Cards at a Service Center this past quarter. Your feedback helps PCCU to continue to provide quality products and services. The winners of the $50 cash prizes for June, July & August 2014 are:

• Paul Halligan• Antonio Rodriguez• Emalie Lamie

Please call 209-235-1100 to claim your prize.

Going to ‘trick or treat” is often the highlight of a child’s Halloween. However, there are safety concerns for any event these days. Here are some tips from the Center for Disease Control at cdc.gov for a “Safe Halloween”.

Going trick-or-treating?

words, knives, and similar costume accessories should be short, soft, and flexible.

void trick-or-treating alone. Walk in groups or with a trusted adult.

asten reflective tape to costumes and bags to help drivers see you.

xamine all treats for choking hazards and tampering before eating them. Limit the amount of treats you eat.

old a flashlight while trick-or-treating to help you see and others see you. Always WALK and don’t run from house to house.

lways test make-up in a small area first. Remove it before bedtime to prevent possible skin and eye irritation.

ook both ways before crossing the street. Use established crosswalks wherever possible.

ower your risk for serious eye injury by not wearing decorative contact lenses.

nly walk on sidewalks whenever possible, or on the far edge of the road facing traffic to stay safe.

ear well-fitting masks, costumes, and shoes to avoid blocked vision, trips, and falls.

at only factory-wrapped treats. Avoid eating homemade treats made by strangers.

nter homes only if you’re with a trusted adult. Only visit well-lit houses. Don’t stop at dark houses. Never accept rides from strangers.

ever walk near lit candles or luminaries. Be sure to wear flame-resistant costumes.

In everything give thanks.What are you thankful for in your life?

Vegan alternatives to a Thanksgiving turkeyFor those of you who are looking for an alternative to the traditional Thanksgiving “bird”, here are some alternatives from PETA (peta2.com).1. Tofurky Vegetarian Roast - One Tofurky® Roast (made with organic non-genetically engineered soybeans) - now 20% larger2. Field Roast’s Celebration Roast - . We start with a rich and savory sausage-style stuffing made from Field Roast grain meat, fresh cut butternut squash, mushrooms and granny smith apples seasoned with a blend of rosemary, thyme and sage3. Vegan Whole Turkey – From Vege USA4. Gardein’s Holiday Roast/Savory Stuffed Turkey – Made from soy protein, glutens, and khorasen wheat.

Contact UsPhone: 209-235-1100800-731-4477 (Toll Free Outside of Stockton)

Website: www.PremierCCU.org

E-Mail: info@PremierCCU.com

Mailing Address: P.O. Box 8929, Stockton, CA 95208-0929

LocationsBenjamin Holt Service Center3255 W. Benjamin Holt Dr., Stockton, CA 95219(Benjamin Holt Drive, West of I-5)

Lodi Service Center504 W. Lodi Avenue, Suite A, Lodi, CA 95240(Southwest Corner, W. Lodi & S. Hutchins)*Features Shared Branch ATM

Manteca-Lathrop Service Center2275 W. Louise Ave., Manteca, CA 95337 (Louise Ave. West of Airport Way)Closed on Saturday

Buffalo Premier Credit Union Located at Manteca High School(Not open to the public.)

HoursMonday – Thursday: 9:30 am – 5:30 pmFriday: 9:30 am – 6:00 pmSaturday: 9:30 am – 2:00 pm(Benjamin Holt and Lodi Only)

ATM Locations Premier Community Credit Union offers access to over 28,000 surcharge-free ATMs nationwide. Just look for the CO-OP Network logo above. To locate a CO-OP Network ATM nearest you:

• Call: 888-748-3266• Visit: www.CO-OPNetwork.org• Text: Your zip code or city and state to 692667 (MYCOOP).

Shared Branching*

Premier Community Credit Union also offers services nationwide through Shared Branching Services. You can conduct a range of transactions such as deposits, with-drawals, loan payments, transfers between accounts, and more! To locate one of the 6,000 shared branches or kiosks (limited service) near you:

• Call: 800-919-CUSC (2872)• Visit: www.cuswirl.com• Go Mobile: http://m.cuswirl.com * Although most typical services are available through Shared Branching, there are some limitations.

CommuNity Coat Drive 10/27 - 12/12Help PCCU help others stay warm during the holidays by donating unwanted coats! Bring your coats to your nearest service center and help someone stay warm.

WANTED: Gifts for KiDs 11/11 - 12/12Visit a PCCU service center near you to sponsor a child need in his or her holi-day this season. We can accept unwrapped presents until December 12.

The Manteca Service Center will host a Chamber of Commerce mixer on October 15, 2014 at 7:30 AM. It’s a great chance to meet our Service Center personnel and to meet our local Manteca business people.

CommuNity CorNerPremier Community Credit Union (PCCU) co-sponsored the yearly SJCOE Educational Foundation Golf Shootout on August 1, 2014 at the Reserve at Spanos Park.

We co-sponsored The Second Harvest 2014 Chili Pot Cook-Off at the Transit Center in Mante-ca. We met many people and had a member refi-nance his truck at our Manteca Service Center.

Our first fundraiser for the 2014 American Heart As-sociation San Joaquin Heartwalk was on August 20, 2014 at Buffalo Wild Wings in Stockton. Thanks to all those who came out to support us.

On August 21, 2014, we attended the Greater Stock-ton Chamber of Commerce’s Diversity Mixer at the Port of Stockton Commander’s House.

PCCU was a sponsor of the 2014 American Heart As-sociation San Joaquin Heartwalk on Saturday, Sep-

tember 6, 2014 at University of the Pacific (UOP). In addition, our volunteers walked, raised $1755 and tended our booth at the event.

From Thursday September 11 – Sunday September 14, 2014 PCCU participated in the Lodi Grape Festival to celebrate our local wine industry and to mingle with our members attending the event.