Four Tips for Healthy Credit

  1. Understand the components of a credit score.

Healthy credit is more than just the rate you pay on a credit card. Your credit can affect your ability to purchase a home, send your child to college and plan for retirement.  FICO Scores are used in over 90 percent of U.S. lending decisions, so understanding how this number is calculated is an important step to improving and managing the health of your credit.

  1. Aim to only use 30 percent of your available credit.

Using more than 30 percent could negatively impact your score. Keep in mind that most credit card companies report your outstanding balance as of the statement closing date. Paying your bill in full each month prior to the statement closing date will help keep your utilization down and your score up.

  1. Be careful not to close out your older credit accounts.

Closing older credit accounts could decrease the reported length of your credit history and negatively impact your credit score.

  1. Be mindful when submitting multiple credit applications.

If you are considering a large purchase such as a car and will be submitting multiple credit applications, try to do so within two weeks to avoid having multiple inquiries impact your credit score.

HOLIDAYS RIGHT AROUND THE CORNER

With Summer coming to an end and the holidays right around the corner putting money into a Christmas Club Account each paycheck relieves the financial stress of the holiday season. Christmas Clubs can be opened any time of the year!
 
Benefits: Deposits can be made by cash, direct deposit or payroll deduction, Weekly,Bi Weekly,Monthly Ect
 
Dividend Period: Dividends will be compounded and credited to the account quarterly.
 
Minimum Balance: None.
 
Disbursement: Accounts are disbursed the first week of October after dividends are paid. Funds Can will be automatically transferred to either your savings or checking, or issued in the form of a check according your needs. Your Christmas Club account will start right back up automatically for the next year

ADDED ALL-POINT ATM ACCESS! WITH OVER 55,000 ATM’S TO ACCESS ACROSS THE US!

Pittsburgh Federal Credit Union Thanks you for being a part of our membership

NOW OFFERING MORE FREE ATM ACCESS THOUGH THE ALL-POINT NETWORK
DOWNLOAD THE FREE APP TODAY TO FIND THE CLOSEST ATM TO YOU!
YOU NOW HAVE ACCESS TO OVER 55,000 ATM ACROSS THE US
ACCESS OUR FREE ATM’S AT RITE AID, CVS,WALGREENS, SPEEDWAY,TARGET,
COSTCO, COGO’S AND MORE!!!

* IF YOU USE ANY ATM OUTSIDE OF THE ALLPOINT ATM NETWORK YOU WILL BE
CHARGED A FEE OF 2.50

View their ATM locator here.

 

ANNUAL MEETING

Our Annual Meeting is Scheduled for March 23rd at 4:00 PM at the branch at 317 Brownsville Rd Pittsburgh PA 15210

TURBO TAX DISCOUNT

Pittsburgh Federal Credit Union members can save up to $15 on TurboTax – the #1 best-selling tax software. With TurboTax, you’ll get your taxes done right and your biggest possible refund, guaranteed: http://turbotax.intuit.com/affiliate/pittsb4?priorityCode=5569100000&cid=all_pittsb4-fb_aff_5569100000

 

 

Turbotax image, laptop

2018 Holiday Closing Schedule

 

2018 Image

 

The Pittsburgh Federal Credit Union will be Closed the following days in 2018

Monday January 1st – New Years Day

Monday January 15th Martin Luther King Day

Monday February 19th Washington Birthday ( Presidents Day)

Monday May 28th Memorial Day

Wednesday July 4th – Independence Day

Monday Sept 3rd – Labor Day

Monday October 8th – Columbus Day

Monday November 12th – In observation of Veterans day

Thursday November 22, and Friday November 23 – Thanksgiving

Monday December 24th and Tuesday December 25th – Christmas Eve, and Christmas Day