IMPORTANT NOTICES FOR OUR MEMBERS

If you have a Peoples FCU/CUCA  CREDIT card make sure you  are using the NEW card number when making purchases or payments.  The old number will not work after October 24th.

NCUA Share Insurance Limits Increased  Click here for NCUA Share insurance calculator Now your funds deposited in PFCU have even more insurance coverage. In a bill passed today, October 3, 2008, the NCUA Share Insurance coverage increased from $100,000 to $250,000 for each eligible account type. The coverage for IRA's remained at $250,000. This coverage is currently in effect thru December 31, 2009. For more information on the increase in share insurance coverage or to find out how this impacts your relationship with PFCU please contact us at 304-722-2274.

New Direct Phone number for the Eleanor Branch (304) 729-3131 Eleanor Hours of Operation Effective as of March, 2008 Lobby hours: Monday-Friday    9:00 -5:00 Drive Thru hours: Monday & Tuesday    9:00-5:00 Wednesday - Friday     9:00 - 6:00 Saturday Lobby & Drive Thur Hours:     9:00-Noon

If you are planning on traveling outside of the United States and using your Peoples FCU Visa Check Card please contact us immediately at 304-722-2274 or (877) 888-9510. Peoples FCU Visa Check/Debit Cards are currently blocked from all international transactions.  This is for your protection due to the increasing fraud originating from other countries. We apologize for any inconvenience this may cause you.

Do you need to cash in your loose coin? Let us count it for you at the Nitro Office. We now have a coin machine! Free for those enrolled in our Peoples Preferred Club. Fees 5% for Members  10% for Non-Members

MEMBER  ALERT It is important for us to remind you that no one from your credit union or any of our partners will ever contact you requesting your personal and confidential information. If you receive any e-mails that appear to be from the Credit Union requesting this information, please contact us immediately at (304) 722-2274, (877) 888-9510 OR email: Chaz Ervin. Recently, scammers are using caller ID-spoofing technology, so do not rely solely on caller ID when verifying the identity of a caller.  So, if anyone contacts you and requests things like your account number, pin number, mothers’ maiden name, etc. – hang up the phone. If it's an email message, do not respond and DO NOT click on any links within the message.   We would never require you to give us that information and you are under no obligation to give it to anyone else, no matter what business or organization they represent.  Always remember, if it sounds too good to be true, it usually is!

PRIVACY NOTICE DISCLOSURE AND OPT OUT Peoples Federal Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. If after reading this notice you have questions, please contact us at (877) 888-9510. INFORMATION WE COLLECT ABOUT YOU - We collect nonpublic personal information about you from the following sources: - Information we receive from you on applications and other forms - Information about your transactions with us - Information we receive from a consumer reporting agency - Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions We may disclose all of the information we collect, as described above, as permitted by law. PARTIES WHO RECEIVE INFORMATION FROM US - We may disclose nonpublic personal information about you to the following types of third parties: - broker-dealers - financial statement publishers/printers, plastic card processors, government agencies and mailhouses Financial service providers, such as insurance companies, mortgage service companies and securitiesNon-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US - In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records. To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties. HOW TO OPT OUT OR STOP CERTAIN DISCLOSURES ABOUT YOU - If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures - you may direct us not to make those disclosures (other than disclosures permitted by law). If you wish to opt out of the disclosures to nonaffiliated third parties, please contact us at (877) 888-9510. You may opt out of these disclosures at any time. This opt out, by law, will not apply to disclosures that are legally permitted, disclosures to other financial institutions that have joint marketing agreements with us, disclosures we make to companies that perform services on our behalf, or companies that process or service transactions you request or authorize. Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election. Note to joint account holders: has/have obtained a financial product from us, the nonmember(s) is/are eligible to exercise the right to opt out. If any one of you exercises the right to opt out, we will treat it as if all of you directed us not to make disclosures to nonaffiliated third parties (except those that are permitted by law). If you and someone else (or others) who is/are not member(s) of our credit union 1 2XXXXXXXXXXXXXXXXXXXXXXXXXXXXX DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS - If you terminate your membership with Peoples Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law. HOW WE PROTECT YOUR INFORMATION - We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information. WHAT MEMBERS CAN DO TO HELP - Peoples Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines: - Protect your account numbers, plastic card numbers, personal identification numbers (PINs) or passwords. Never keep your PIN with your card. The PIN can provide free access to your accounts if your card is lost or stolen. - Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it. - Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. Let us know if you have questions. Please do not hesitate to call us - we are here to serve you! CUNA Mutual Group, 2008, ALL RIGHTS RESERVED 1XXXXXXXXXXXXXXXXXXXXXXXXXXXXX 23376 (DWVBI0) (LASER) Member Number OPT Out Response Form Member Name: ________________________________________________ (please print) Member Daytime Telephone Number: ______________________________ I have read the Privacy Notice Disclosure provided by the credit union, and would like to exercise my right to opt out of the following: Nonpublic Personal Information NOTE: Please opt me out from the following accounts: All accounts on which I am listed; or List specific accounts Account #_______________________ Account #_______________________ Account #_______________________ Account #_______________________ Account #_______________________ Account #_______________________ Member Signature Date Please return completed form to the address below, Peoples Federal Credit Union 419 1st Avenue South Nitro, WV 25143 Anyone listed on the account may elect to opt out on the account on behalf of all account holders.