﻿<?xml version="1.0" encoding="utf-8" standalone="no"?><Search><pages Count="8"><page Index="1" isMAC="true"><![CDATA[YOUR CREDIT UNION YOUR COMMUNITY YOUR FINANCES2016 Summer EditionGET the KEYS & DRIVE9 Steps to Ge ing the Car Y  WantInsideMember Spotlight on Bradbury Sullivan Center]]></page><page Index="2" isMAC="true"><![CDATA[Letter from the CEODear Member:In our last issue of FirstWord I talked to you about many of the changes underway here at People First. Since then our Trexlertown branch relocation has been completed and many of you have taken advantage of the new drive-thru or eTeller. These are great ways for you to take care of your transactions quickly and easily.New additions continue to happen. The newest version of our app, MobileAccess+, is now available for download from Apple’s App Store and Google’s Play Store. It o ers some great tools for you to help manage your account on the go. Those features are listed on the back cover of the newsletter.Although we have other advancements on the horizon, today I'd like to talk about the changes in your life. Maybe it's a new home or renovations on your current one. Maybe it’s a new car or a long road trip. No matter what changes are on your horizon they all impact one thing... your wallet.That is where your relationship with People First comes into play. When these changes occur, our sta  is here to help guide you through your financial challenges. Throughout this issue of FirstWord, you’ll learn more about how People First can help.Sincerely,Je rey J. Albert, CEOPeople First Federal Credit Union1 Firstword 2016 Summer Edition“No ma er what changes are   y r h iz  they a  impact  e thing... y r wa et.”You’re Inv edJoin us forourAnnual MeetingWednesday, September 7, 2016 6:00 pmFEARLESS FIRE COMPANY 1221 SOUTH FRONT STREET, ALLENTOWN, PA 18103rsvpA courtesy response is requested to estimate the number of attendees.Please call 610.797.7440 Extension 772 by August 19, 2016Privacy Policy NoticePeople First’s Privacy Policy is available on our website at:PeopleFIrstCU.org/Privacy_Policyand can be mailed upon your request. Requests may be made by calling 610.797.7440 or 800.446.5598.]]></page><page Index="3" isMAC="true"><![CDATA[Official NoticeAnnual Membership Meeting & Election Nominee NoticeIn accordance with the bylaws, elections to fill three (3) seats on the Board of Directors will be conducted by mail ballot prior to the Annual Meeting, and the results will be announced at the Annual Meeting.Nominations of candidates must be made by the Nominating Committee or by petition. The Nominating Committee has filed its nominations with the Secretary of the Board of Directors. Incumbent directors Frederick A. Molchany, and Joeseph J. Preisler for a three year term, and Gerard J. Judge for a one year term have been nominated by the Nominating Committee. Statements of qualifications on the nominees appear below.According to the bylaws, since there is presently one (1) nominee for each vacant position, no nominations from the floor at the Annual Meeting will be permitted. In the event that there are no additional nominations by petition, the ballots will not be mailed and each nominee proposed by the Nominating Committee will be declared elected at the Annual Meeting.Members wishing to use the petition procedure must file their petitions for nomination with the Secretary of the Board of Directors not later than July 29, 2016. Petitions for nomination must be signed by one (1) percent of the membership (597 members). Each member seeking nomination by petition shall submit their own petition. Petitions containing the names of more than one candidate shall not be considered. All nominations by petition must be accompanied by a signed certificate from the nominee stating that they are agreeable to the nomination and will serve if elected. Each nominee by petition shall submit a statement of biographical data and qualifications similar to the statements contained in this notice for the candidates nominated by the Nominating Committee. Nomination petitions must be obtained by contacting Diane Marie Merkel at 610.797.7440 extension 116.NOMINEE BIOGRAPHICAL DATAFrederick A. MolchanyRetired: Mack Trucks, Inc.Service & Experience: 40 years of Credit Union education and experienceat People First Federal Credit UnionJoseph J. PreislerRetired: Mack Trucks, Inc.Service & Experience: Over 30 years of Credit Union education andexperience at People First Federal Credit UnionGerard J. JudgeCurrent Employer: Lehigh Valley Health NetworksService & Experience: 9 years of Credit Union education and experience at People First Federal Credit UnionLOVE MY CREDIT UNION REWARDSMembers have saved over $1.4 billion with Love My Credit Union Rewards.Start saving today at LoveMyCreditUnion.orgMayfair Festival of the ArtsPeople First was once again the Corporate Sponsor of the Volunteer Program for Mayfair Festival of the Arts. Our employees and their families volunteered 140 Shifts for a total of 560 hours. The 30th annual event was held over four days and included 100 Artist Booths, 8 Music Festivals, and 20 Food Trucks from May 27-30.Helping Members Keep Sensitive Documents SafeIronMountain® brought a shred truck to our Devonshire O ce for a community shred day on May 7th. We were able to destroy sensitive documents on site for our members, doing our part to protect and keep member’s identities safe.Firstword 2016 Summer Edition 2seraC]]></page><page Index="4" isMAC="true"><![CDATA[Getting the Car You Want9 Steps to fo  Unless you’re going to start collecting 400-foot mega yachts, a vehicle is likely to be one of the largest purchases you will make in your life. By taking the time to properly plan and prepare for buying a car, you can save yourself hundreds or thousands of dollars. Check out these steps to set yourself up for success:1 FIGURE OUT WHAT YOU CAN AFFORDComplete a spending plan. As you create your spending plan you can adjust the numbers to see how di erent transportation expenses would fit into your monthly expenses. You can then plug that monthly number into an auto payment calculator to see how much of a total vehicle price you can a ord.2 MONITOR YOUR CREDITReview your credit reports. To ensure the accuracy of the reports and pinpoint areas that may need work, use the credit bureaus’ annual credit report service to get free copies of your reports at: www.annualcreditreport.com or by calling 877-322-8228. If you would like a certified credit coach to review your reports with you, call BALANCE at 888-456-2227.3 FIND THE RIGHT CAR FOR YOUThink about how you will use the vehicle. Will you be using it to cross snow-covered mountain passes with hairpin turns and thousand foot drops, or will you be using your vehicle for something more challenging, like chau euring your children?Pay special attention to the safety and reliability ratings. No car meets your needs when it’s up on blocks next to the garage or puts you at personal risk of harm.Check with your insurance provider. That cherry-red sports car might sound like the key to your eternal happiness, but you might not be as thrilled when you get your car insurance bill.4 CONSIDER NEW VS. USED, BUYING VS. LEASING AND DOWN PAYMENT AMOUNTDecide whether you will buy a new or used vehicle. Do you prefer the negligible wear-and-tear and increased reliability of a new vehicle, even if it means the value may drop sharply in the first few years? Or would you rather let someone else take on that depreciation by going with a used vehicle, but take the risk of not fully knowing the condition and history of the vehicle?Figure out if you would rather buy or lease the vehicle. If the idea of always driving a new car matters more to you than likely saving money in the long-run, leasing might be an option to consider.Think about how large of a down payment you can make. Making a down payment can help you get qualified for a loan, get a better interest rate, get a lower monthly payment, get a more expensive car for the same monthly payment, or build equity (owing less on the vehicle than it is worth) more quickly.5 GET FINANCINGArrange your vehicle loan before you go to the dealership. You will have a lot to think about when you are at the dealership looking at cars: di erent vehicles available, test-driving, negotiating a price, etc. Just like you shop around for a good deal on a car, shop around for the best deal on financing.Avoid subprime lenders. If you can’t qualify for an auto loan with a credit union, consider working on your credit standing first or maybe getting a co-signer and then reapplying forthe loan instead of accepting the unfavorable terms provided by a subprime lender.6 DETERMINE FAVORITES, CONTACT DEALERS AND CHECK QUALITYFind the vehicles that best fit your needs. Websites like cars.com, CNBC, Consumer Reports, Edmunds, Kelley Blue Book and Yahoo Autos regularly publish articles on the best vehicles to meet particular needs, so take advantage of these free resources. Create a comparison chart to keep track of all the attributes that matter most to you and how each vehicle stacks up.Use the Internet or trips to dealerships to comparison shop. Once you know which vehicle will suit you best, start looking at particular models and add the prices of each to your comparison chart. Also, do test drives and check vehicle histories. During the test drive, pay special attention to the transmission, shocks, brakes and alignment. If you aren’t sure what to look or listen for, invite a more experienced driver along on the test drive. Write down the Vehicle Identification Number (VIN) and use it to get a vehicle history report from a company like AutoCheck or CARFAX if you are shopping for a used vehicle.7 GET THE BEST PRICEKnow what your preferred models are selling for. Companies like Kelley Blue Book, TrueCar and Edmunds specialize in tracking the average price of vehicles and rebates or incentives available.Negotiate each piece of the deal separately. Beware of salespeople3 Firstword 2016 Summer Edition]]></page><page Index="5" isMAC="true"><![CDATA[who roll the di erent components of the transaction (purchase price, financing, trade-in, extras) into one deal or who make an o er in one area of the deal that sounds too good to be true.Walk away if you are not happy with the deal. You know what you can a ord and ultimately you control this transaction, so let the salesperson know you know where the door is and that you won’t hesitate to use it if they can’t meet your number.8 KNOW YOUR LEGAL RESPONSIBILITIESFind out the insurance necessary for your state. The Insurance Information Institute’s website at www.iii.org has a list of the minimum insurance requirement for each state.Learn what the DMV requirements are for your area. Contact your state’s Department of Motor Vehicles (DMV) to make sure you have the proper license plate stickers or any other items that might be necessary to register your vehicle.Know what to do if you can’t make your car payment. If you find yourself in a situation where you are struggling to make a car payment, the worst possible thing you can do is to avoid your lender. Instead, work to avoid repossession by staying in contact and asking about hardship programs.9 PUT YOURSELF IN POSITION TO SUCCEED LONG-TERMEstablish an emergency savings account. Unexpected expenses have a way of popping up in life and vehicles can be a major source of these.Save on gas. Consider ways you can get more out of the gas you buy, like using the air conditioning sparingly and removing heavy items from the trunk.Save on your insurance. Shopping for the best insurance deal is always a good idea, but think about all the ways you could get a better deal, like improving your credit score, buying a used car instead of a new one and avoiding 4-wheel drive and high performance cars.Equal Opportunity LenderNeed a loan?This guy can help!HOME LOAN AUTO LOAN VACATION EDUCATION CREDIT CARDEqual Opportunity Lender PeopleFirstCU.orgYour Exclusive NEW People First’s Auto Buying ResourceThe power of car buying is at your fingertipswith our new cutting-edge technology.• Free CARFAX Reports • Multiple “Loan Application” Touch Points • Right Fit Auto Build • Articles and Reviews• NADA Vehicle Pricing • Multi-Vehicle Comparison Tool •”My Cars” Save FeatureThe Right Car, The Right Loan, The Right Fit!Experienceitnow... peoplefirstcu.groovecar.comFirstword 2016 Summer Edition 4]]></page><page Index="6" isMAC="true"><![CDATA[Member Spotlight on...B radbury-Su ivanLGBT COMMUNITY CENTEROne of two fine art galleries featuring local LGBT artistsAdrian ShankerWe recently had the opportunity to sit down with People First member Adrian Shanker, Founder & Executive Director of the Bradbury-Sullivan LGBT Community Center in AllentownLGBT LibraryWhat has been the most rewarding moment since the Center has opened?More than 400 community members attended our grand opening celebration on April 9 --- the energy and enthusiasm, and frankly the excitement, for our opening made all our hard work worth it! Now we're keeping ourselves busy creating cutting edge programs and critical services to support our community.How did People First help get Bradbury-Sullivan Center started?It's not easy for a small non-profit organization to obtain financing to buy a building, so when People First stepped forward to provide the financing we needed to close on our new building, it was an important demonstration of community support.To learn more about The Bradbury-Sullivan LGBT Community Center, check them out at:bradburysullivancenter.orgor stop in at 522 West Maple Street, Allentown, PA 18101.Phone: (610) 347-9988How did Bradbury-Sullivan Center get started?Bradbury-Sullivan LGBT Community Center provides cultural, educational, and health promotion programs and direct services to support the LGBT community in five counties in Eastern Pennsylvania (Lehigh, Northampton, Carbon, Monroe and Berks).Our community center is located at 522 West Maple Street, in the heart of downtown Allentown. We are conveniently located adjacent to the Community Parking Garage at 6th and Walnut, where there is also free bicycle parking, and we are located close to the Allentown Transportation Center for LANta.We opened our doors in April 2016 following a two-year process to open a physical space. In June 2014, we announced our vision for an LGBT community center to serve the vibrant, and growing, LGBT community in the Lehigh Valley.With tremendous community support we were able to grow our organization, purchase a building and make it our own.What are some of the services you o er?We have two fine art galleries that feature local LGBT artists, we host artist receptions and talks, we have an LGBT library, we collaborate on an LGBT film series, we provide tobacco and diabetes prevention programs, an LGBT bereavement support group, an LGBT alcohol and other drug recovery group, and biweekly HIV/STI testing.All of our programs and services are intended to provide increased arts, cultural, educational and health promotion programs and direct services for LGBT people in the Lehigh Valley.Was it important to locate the Center in downtown Allentown?It was important that programs and services at the Center be accessible to those without their own private transportation. We are excited to be located in the heart of downtown Allentown's business community, adjacent to a public parking garage, and with easy access for those utilizing LANta or walking to the Center.5 Firstword 2016 Summer EditionIf you would like to share your story of how People First helped you or your business, email us at:Marketing@PeopleFirstCU.org]]></page><page Index="7" isMAC="true"><![CDATA[Fraudsters are Lurking...Be vigilant and protective of your People First accounts and any secure personal information. Identity thieves and Fraudsters are searching for potential targets. To protect yourself, please keep your PIN numbers and other personal identifiers private.People First will never ask for personal account information without identifying you and confirming who we are speaking to first.If at any time, you question the validity of a text, email or phone call, please call our member service center at 610.797.7440.If we feel you, as our member were negligent or cause the credit union a loss, People First has the right to revoke your services (Debit/ATM cards, Checking accounts, etc.). It is also important to keep your account information such as your address, phone numbers and email information current so the credit union can reach you if needed.Please take a look at all of your member accounts as well as credit card accounts and be sure that all information is correct.Want to Pay Off Your Mortgage Faster?Express-Refi Mortgage Rates as low as 3.49% APR1Refinance your traditional mortgage into a low fixed rate 10-year Express-Refi Mortgage!• No appraisal fee • No closing costs• No application fee • No hassleFor more information and to apply:• Call 610.797.7440 to make an appointment• Or visit PeopleFirstCU.orgEqual Opportunity LenderAPR = Annual Percentage Rate.1 The Express-Refi fixed rate loan has an APR as low as 3.49% for 120 months which is the lowest rate offered for this product. This rate is accurate as of June 1, 2016 and is subject to change. Rates are based upon the evaluation of applicant credit. Actual rates may vary. The quoted rate is for a Home Equity loan with an 80%or less loan-to-value ratio. Loan to be financed must be in a first lien position. When you borrow $50,000.00 for 120 months at 3.49% your monthly payment will be $494.20. Loans are on 1-4 unit family, owner occupied residences in Pennsylvania. Property insurance is required. Flood insurance may be required. Other loan rates and terms are available at PeopleFirstCU.orgUpcoming EventsHOLIDAY CLOSINGSPeople First will be closed Friday, July 4th for Independence Day.BIRTHDAY BASH DRAWINGFriday, July 29th at the Trexlertown O ce People First will be drawing the winners of the IronPigsTM Birthday Bash Ra e.ANNUAL MEMBERSHIP MEETINGOur Annual Meeting is Wednesday, September 7th. All members are invited to attend.HOME BUYING RESOURCE CENTERThis summer, People First will be launching a new Home Buying Resource Center. Stay tuned for some exciting news!Member Benefit Reminder:Auto, Home and Renters Insurance with Special Savings from TravelersHave you requested a quote yet through the Travelers Auto and Home Insurance Program available to People First Federal Credit Union members? This program o ers quality insurance coverage and much more, including:• Special program savings not available to the general public• Money-saving discounts• Convenient payment options• 24/7 claim reporting and customer service• Free, no-obligation quotes from licensed insurance representativesCall Travelers at 1-800-842-5936 for your quote today.Insurance is underwritten by The Travelers Indemnity Company or one of its property casualty a liates, One Tower Square, Hartford, CT 06183. In FL: Homeowners insurance is not currently o ered for new business. In TX: Auto insurance is o ered by Travelers Texas MGA, Inc. and underwritten by Consumers County Mutual Insurance Company (CCM). CCM is not a Travelers Company. Coverages, discounts, special program rates or savings, billing options, and other features are subject to availability and individual eligibility. Not all features available in all areas. 2015 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademarks of the Travelers Indemnity Company in the U.S. and other countries.Firstword 2016 Summer Edition 6Let this guy help!]]></page><page Index="8" isMAC="true"><![CDATA[YOUR CREDIT UNION YOUR COMMUNITY YOUR FINANCESFirstword2016 Summer EditionIn This Issue• Letter from the CEO• People First Cares• 9 Steps to Getting the Car you Want• Member Spotlight: Bradbury Sullivan Center • Fraud: How to Avoid ItKeeping our members up-to-date on what’s happening at People FirstNew Mobile AppMOBILE ACCESS+EXCITING NEW FEATURES∞ Transfer funds between People First accounts that are added intoyour wallet.∞ Remote Deposit Capture:* Deposit checks into your accounts from the App.∞ Person 2 Person Payments: Send Person to Person payments to any Financial Institution in the United States or other People First Members.∞ View Surcharge Free ATM’s.*Account must be in good standing to qualifyis HEREPeople First is happy to announce an upgrade to our mobile banking service. To download the new Mobile Access+ banking application go to the App Store or Google Play Store. Search for People First FCU.Your existing user name and password will be used to log in to the new app if you currently are enrolled in Mobile Access.The current mobileApp will be discontinued on June 30, 2016.You can now add multiple accounts if you are Primary or Joint members on said accounts. On the Apps main screen you will see these accounts in the People First Wallet.610.797.7440 • PeopleFirstCU.org • Allentown • Bethlehem • Nazareth • Trexlertown • WhitehallFederally Insured by the NCUA]]></page></pages></Search>