When the holidays roll around next year, keep those jingle bells from setting off

a financial alarm. Open a Holiday Savings Account at the credit union. Setting aside funds for a specific purpose is a tried-and-true way to save, according to money experts. Start by setting up an automatic transfer from checking or savings into your holiday savings. You don’t see it, so you won’t miss it. Then get the whole family involved with these additional ways to save:

7:15am - 1pm Tuesday - Thursday 7 : 15am - 2pm Monday & F r iday

PSCU P .O . Box 1854 1700 Sherman St . Wausau , WI 54402-1854

Loca l :715.842.9865 WPS employees: 848-7465 To l l f ree : 877.625.4844

Prepare for next year, now

PSPublic ServiceUNIONCREDIT

Nov/Dec member newsletter

You’re InvitedJoin your fellow Public Service Credit Union members and Board of Directors for the 83rd Annual PSCU Meeting!

When:Where:

What:

Wisconsin Public Service building, 1700 Sherman St., Wausau, WI

Tuesday, March 6

The annual meeting is a credit union

tradition to review the previous year’s report and enjoy time with other members. We will serve light refreshments. Call or email to let us know if you plan on attending the event: 715.842.9865, pscuwausau@dwave.net or sleszczynski@pscu-wausau.org. Parking is in the back of the building, and you can also enter via the back door. See you in the new year!

SAVE during the holidays

Sell unused or no longer needed items at a yard sale or online marketplace; put some of the proceeds in your holiday account.

Get started saving now to enjoy a less-financially-stressed holiday later by opening your 2018 Holiday Savings Account at the credit union.

Give a small box or jar a holiday makeover by decorating it and using it to collect loose change. Periodically, bring it to the credit union to add to your account.

1.2.3.4.

Make your own take-out by holding an afternoon cook-a-thon and freezing meal-sized portions for nights you don’t have the energy to make dinner.

From PSCU to YOU

Thank you, members!

As the 2017 Holiday season comes to a close, we’d like to extend our appreciation

to you, our valued member-owners. It’s your participation in the benefits of belonging that enables the credit union to be successful. We couldn’t do it without you because we wouldn’t exist without you. From all of us at the credit union, best wishes to you and yours for a wonderful new year.

A newsletter for PSCU members December 2017PSLighten your credit burden

2018Happy New YearPublic Service Credit Union Members!!

Holiday fun facts: What state first declared Christmas a legal holiday, and what state produces the most christmas trees?

Alabama was the first state to declare Christmas a legal holiday in 1836. Christmas was declared an official holiday in the U.S. in 1870, and Oklahoma was the last state to declare the holiday in 1907.

It’s easy to be lulled into making the minimum payments on your credit cards. But take a closer

look at your statement to see what you could actually end up paying and how long it will take you to settle the score if you do so - and that’s without making any additional charges. If you have balances on multiple credit cards, that’s a heavy burden to face. And beware of making a late payment, or it will cost you even more in penalties - a late payment fee and the interest rate may skyrocket.

A Consolidation Loan from the credit union can lighten the load. With a credit union Consolidation Loan, we can help you pay off those high interest credit cards. Plus, you’ll only have one payment to make every month, a payment that you can put on autopilot so you won’t mistakenly forget it. So don’t wait a minute more, call on us today to ask about a Consolidation Loan.

May 28, 2018

Sept. 3, 2018

Memorial Day Closed all day

Labor Day Closed all dayNov. 23, 2018 Thanksgiving Day Closed all dayNov. 24, 2018 Day after Thanksgiving Closed all dayDec. 24, 2018 Christmas Eve Closed all day

July 4, 2018 Independence Day Closed all day

Jan. 1, 2019 New Year’s Day Closed all day

Mark Your Calendars

FACT F ICTIONOR

Q:

A:

Information you can use NOW!

A labama

Oregon produces the most real Christmas trees in the U.S. The other top tree-producing states are North Carolina, Michigan, Pennsylvania, WISCONSIN, Washington, New York and Virginia.

Oregon

Dec. 25, 2018 Christmas Day Closed all day

Publ ic ServiceCREDIT UNION

Open a PSCU consolidation loan, today

Beware of payday loans

Payday Loans...they go by many names - quick cash loans, cash advance loans, deferred deposit loans,

check advance loans, post-dated check loans. Call them what you will, but avoid them at all costs! These loans are often advertised on TV and online as a quick fix for your financial troubles and promise to help in the short-term, but will only cause you major stress when it comes to long-term financial well-being.

A payday loan, in the simplest terms, is a relatively small amount of money (example, $100 - $1,500) lent at a very high rate of interest (example, APRs that range from 100% - 1000%) with the agreement that it will be repaid when the borrower receives their next paycheck. Due to such high interest rates and associated service fees, consumer advocates and lawmakers advise consumers to avoid payday loans. If you’re in need of a short-term loan, avoid these classic payday loan features:

PSCU can help with affordable loans

1. Full payment due by next payday

2. High fees from $35 upwards if loan is extended and not paid on time

3. Triple digit Annual Percentage Rate (APR)

4. Failure to pay = costly consequences

5. Fast or quick cash, or “Get money now” language