PHCU Gives BackPHCU has a long history of giving back to the Palmetto Health Community. In fact, in the past 12 months alone, PHCU has generously supported Palmetto Health and the local community in the following ways:

• PHCU donated $10,000 to the Palmetto Health Foundation for the 2015 Miracle Team Campaign.

• $3,000 was given to the Children’s Miracle Network to support Palmetto Health Children’s Hospital.

• PHCU contributed $9,000 to the Palmetto Health Employee Benevolence Fund.

• We provided $1,013.40 to Baptist Easley for the My Dine food and nutrition program for patients.

• We participated in the Children’s Hospital Christmas Parade where we built a float and gave away books and toys to patients.

• We had a booth at the Children’s Hospital Halloween Carnival where we played a game and gave away prizes and treat bags to patients and their families.

• PHCU decorated a Santa-themed tree and donated it to the Palmetto Health Foundation’s Festival of Trees.

• We gave away water bottles and holders at the Walk for Life/Race for Life.

In This Issue

Credit Unions No. 1 Trusted Financial Institution . . . . . . . . . . . . . . . . . . . . . . 2

Are You In the Market for a New or Used Auto? . . . . . . . . . . . . . . . . . 3

Auto Loan Rates Have Never Been Lower! . . . . . . . . . . . . . . . . . . . . . . 3

New and Improved Online Banking . . . . . . . . 4

Mobile Deposit . . . . . . . . . . . . . . . . . . . . . . . . . . 4

Mobile Banking App Enhancements . . . . . . . . 4

July 2015

Parkridge Branch OpeningFootball’s not the only thing that will be kicking off this fall! Palmetto Health Credit Union will begin the fall season with the opening of a new branch in the Urgent Care building on the Baptist Parkridge campus in the Irmo area.

We are excited to have a permanent presence on Palmetto Health’s beautiful new campus, and look forward to serving our members at this new location. Look for more information about the grand opening on our website and in the Palmetto Page later this summer.

PHCU – Safe & Sound You can rest easy knowing your accounts are in good hands with Palmetto Health Credit Union! In February 2015, PHCU received Bankrate.com’s highest 5-Star Superior rating and was named one of the safest 100 credit unions in the country.

Bankrate.com, which has been operating for over 30 years, created the Safe & Sound ranking system to provide consumers with rating information on the relative financial strength and stability of U.S. commercial banks, savings institutions and credit unions. Their rating system applies more than 20 different tests to measure each institution's asset quality, asset sufficiency, profitability, and ability to pay off debts. The information is then compared with industry peer norms and standards.

“In 2014, we celebrated our 50th anniversary of serving the Palmetto Health community and are honored to have been selected by Bankrate.com as one of the safest credit unions in the country,” said Hansel Hart, President, Palmetto Health Credit Union.

For more information on Bankrate.com’s Top 100 list, visit www.bankrate.com/finance/credit-unions/100-safest-us-credit-unions.aspx.

2 July 2015

Place your trust in us

Credit Unions No. 1 Trusted Financial Institution

A recent Harris Interactive poll revealed what we already know – credit unions have worked hard to earn your trust! Local credit unions are the most trusted financial institutions, with 77 percent of Americans having “some” or “a great deal” of trust in them.

Here’s how other financial institutions fared in the poll:

• Community banks also scored high, with 76 percent of Americans placing trust in them.

• 70 percent of Americans have at least some trust in local branches of regional banks.

• Only 50 percent of Americans have trust in big national banks.

Influencing FactorsMany factors come into play when a financial institution is chosen as the place you trust with your money. According to the poll, among those influencing factors are:

• Personal experience • Quality of products and services• Quality of customer care• Amount charged in fees

Respondents age 69+, baby boomers and Gen Xers all rated personal experience higher than millennials as an important trust-influencing factor. Social media played a minor role in influencing millennials and Gen Xers on their level of trust, but had less influence on baby boomers and those 69+.

The size of area the financial institution served also proved to be a key factor in earning trust. Interestingly, in the Harris survey, the smaller the area of influence of the financial institution, the higher the amount of trust placed in it. This contributed to local credit unions and local community banks being ranked as the most trusted institutions.

How We Earn Your TrustDay by day, we strive to earn your trust. We do not take it for granted. At Palmetto Health Credit Union, we know you have a lot of banking options. That’s why we put our members first each and every day. Our success is largely determined by our members’ success, so you can rest assured we have your best interests in mind.

Here are some of the many benefits we deliver to our members to show you your trust is well-placed in us:

• Lower rates on loans – potentially saving you thousands of dollars• Higher rates on savings – encouraging you to save with us• Fewer and lower fees – we won’t nickel and dime you• The latest in technology and convenience services – just like

the big guys• Education – to help you and your family effectively manage

your finances• Volunteer and community opportunities – we believe in

helping others!

Whether you prefer doing your banking online, from your mobile device or by walking into a convenient branch, we are here to keep you front and center – in our trusted sphere of influence.

To learn more about the benefits of membership and how to join Palmetto Health Credit Union, give us a call at (803) 978-2101, visit us online at www.palmettohealthcu.org or simply stop by!

Source: Harris Interactive survey #99, Oct. 30, 2014, www.harrisinteractive.com/NewsRoom.

In a recent Harris Interactive poll,

one-third of Americans (33%) reported

they are members of a local credit union.

Vital $igns 3

Are You in the Market for a New or Used Auto? Shopping for a car can be a very confusing and often intimidating task. Wouldn't it be nice to have someone do the negotiating and shopping for you? Even pick the car up from the dealer and deliver it to you … all at no charge? Let The Automotive Advisor, a preferred Palmetto Health Credit Union provider, help you find your dream car and see why most of their new business comes through referrals from other satisfied customers.

Locally owned and operated by Joey C. Bouknight, The Automotive Advisor works for you, not the dealer. They are Better Business Bureau Accredited with an A+ Rating and are uniquely qualified to help you with their expertise, supplier network and no-pressure approach. There is no charge to you for their service. NEW, PRE-OWNED, CERTIFIED PRE-OWNED, LEASE, PURCHASE or TRADE – They do it all!

For more information about The Automotive Advisor, or to get pre-approved, please call PHCU at (803) 978-2101 or visit http://theautomotiveadvisor.com/.

We Make Car Buying Easy!When you choose The Automotive Advisor for your next vehicle purchase or lease, this is what you get:

• 15+ years of experience and advice tailored to you• No dealership hassles or haggling • Highly competitive pricing• Exceptionally nice pre-owned vehicles• Clean vehicle history reports• All applicable warranties, rebates, special rates and incentives

Auto Loan Rates Have Never Been Lower!Are your loan payments from another financial institution putting you in a bind? There’s never been a better time to refinance your vehicle with PHCU. Apply today to enjoy great rates, flexible terms and more money in your pocket.

Or, if you’re in the market for a new or used car, truck or motorcycle, let PHCU finance your next purchase. We have providers who can even help you find that dream car!

We have teamed up with McDaniels Automotive, who has been serving the Midlands for more than 25 years, to offer members a great car buying experience from a dealer they can trust. Choose from new Acura, Audi, Porsche, Mazda, Volkswagen or Subaru, as well as an extensive selection of pre-owned vehicles. Most vehicles now include Lifetime Warranty Forever. Contact PHCU to be pre-approved. You can even finance your new car through Palmetto Health Credit Union at one of McDaniels Automotive Group finance offices.

View their inventory online at www.mcdanielsautogroup.com or visit one of their local showrooms. Be sure to let them know you are a Palmetto Health Credit Union member!

Applying is easy. Simply complete our online application, visit one of our branches or call us at (803) 978-2101 to apply today.

Products and ServicesDeposit Accounts*Share SavingsMoney Management CheckingHealth Savings AccountsCertificates and IRAsChristmas, Back-to-School and Vacation Club accounts

* All deposits in Palmetto Health Credit Union are insured up to $250,000 by NCUA. IRAs are separately insured up to $250,000.

LoansNew and Used VehiclesBoats, Motorcycles, RVs Home Equity Lines of CreditFirst and Second MortgagesPersonal Loans

How to Contact UsVisit www.phcu.org or call (888) 978-2101 or (803) 978-2101. You can access your accounts through Automated Teller at (800) 996-4676.

This publication does not constitute legal, accounting or other professional advice. Although it is intended to be accurate, neither the publisher nor any other party assumes liability for loss or damage due to reliance on this material. Websites not belonging to this organization are provided for information only. No endorsement is implied. Images may be from one or more of these sources: ©iStock, ©Fotolia. ©2015 Bluespire Marketing | bluespiremarketing.com

Labor DayMonday, September 7, 2015

Columbus DayMonday, October 12, 2015

2015 Holiday Closings

Palmetto Health Credit Union Branch InformationPalmetto Health Richland9 Medical Park, Suite 240Lobby HoursMonday–Friday, 8:30 a.m. – 5 p.m.Payday Friday, 7:30 a.m. – 5 p.m.

Palmetto Health Baptist1333 Taylor Street, Suite 5-CLobby HoursMonday–Friday, 8:30 a.m. – 5 p.m.Payday Friday, 7:30 a.m. – 5 p.m.

Baptist Easley Hospital200 Fleetwood DriveLobby Hours Monday–Friday, 7:30 a.m. – 4:30 p.m.

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New and Improved Online Banking PHCU is introducing a new and improved online banking system this summer, which will offer all the technology and convenience you need to manage your money easily, quickly and securely. NetTeller Online Banking will include all the features you’re accustomed to, plus you’ll be able to:

• Customize your Online Banking home page• Obtain your account number and routing number• Set up recurring transfers between your accounts• Create names for your accounts online and arrange them in the order that you

want to view them• Easily send the Credit Union secure messages

Mobile Deposit Members are raving about Mobile Deposit! With PHCU's Mobile Deposit, qualified members can now deposit checks quickly and easily from anywhere they have access to a mobile device. To learn more about Mobile Deposit, visit www.phcu.org or call (803) 978-2101.

Simply download our free PHCU App for your iPhone, iPad or Android device and get started today!

Mobile Banking Enhancements

Members will love the upgrades to our Mobile Banking App, which will roll out this summer. With the enhancements, members will now

have access to:

• View pending debit card transactions • See the running account balance after each transaction

• Check account balances without logging in• Enhanced text messaging

Enjoy 24/7 account access using your smartphone or tablet. Simply download our free PHCU App, and

log in using your Online Banking username and password. It's fast, easy and secure. To learn more

about the Mobile Banking upgrades, please visit our website or give us a call at (803) 978-2101.