September 16, 2013
Greater Pittsburgh Federal Credit Union
Credit Union Chatter 
Back to School

In This Issue
We've Gone Mobile!
Make up for Savings Shorfalls
UPMC Benefits Fairs
Quick Links
Main Office - Oakland
Monday - Friday
9:30am - 4:00pm
Phone - 412.621.6800
Fax - 412.681.7421
Toll Free - 1.888.673.7224
North Hills - UPMC Passavant Hospital
Monday - Friday 
9:00am - 5:00pm
No Transaction after 4pm
Phone - 412.367.6338
Fax - 412.367.6658
UPMC Presbyterian 
Hospital Office
Monday and Wednesday
7:30am - 3:30pm
Friday 
7:30am - 3:00pm
Phone - 412.647.6337
UPMC Children's Hospital Office
Monday, Wednesday, and Friday 
7:30am - 3:30pm
Phone - 412.688.0442
UPMC Mercy Hospital Office
Tuesday 
8:30am - 12:30pm
Thursday 
11:30am - 3:30pm
Phone - 412.232.7717
Join Our Mailing List
Welcome! 

We are excited to welcome you to our first ever Email Newsletter!  You will no longer be receiving a paper newsletter with your quarterly statements by mail.  You will now be updated with all GPFCU news, updates, activities and keep you informed about your financial well-being regularly.  We hope you enjoy our new format which will be delivered to you on a Bi-Weekly basis.

We are also excited to announce our Official Facebook Page.  We hope you'll show us your support by following us and posting!

  
Bueller!  Bueller!  

It's Back-to-School Time in September and Your Credit Union is here to help.  In this edition we will be exploring tips to help you save money, Christmas Club Check news, and tell you about the convenience of our mobile banking apps you can use when you're in-between class or picking the kids up from school! 
  
Sincerely,
  
Greater Pittsburgh FCU Staff 
Personal Loans 

Now borrow more money for longer!  

36 months - 5.99%

48 months - 6.99%

60 months - 7.99%

 

Employed at least 1 Year - Eligible to borrow 3 months max of gross income.

 
Employed Less than 1 Year - Eligible for 1 month max gross income. 
 
Please fill out an application here and send a copy of your most recent proof of income via fax 412.681.7421 or email.  
 
 

Only members employed at least 90 days with current employer may apply for a personal loan.  Applications will not be processed without receiving a copy of most recent proof of income, such as a paystub.  
 
We've Gone Mobile! 
By Katie Fuller, Member Service Representative/Share Draft Coordinator
Have you downloaded the Mobile App yet? 
  
We now have free apps for all of your Android and Apple mobile devices! Now you have the convenience of taking your account with you anywhere you go!  You can check your balance, review detailed account activity, request a withdrawal, pay bills (with your GPFCU checking account), and even transfer funds! 

You may download the Android format from the Google Play Store and the Apple format from the App Store.  Just search "Greater Pittsburgh FCU" and install to your device. 
  
For added security - you will need to make sure that you "Activate" each device from your Online Banking Account.   By activating, you will get a unique, one-time code that you will need to enter from the mobile device.  By doing this you ensure that only devices that you are aware of may access the account.  If your device ever gets lost or stolen - you can delete the access from Online Banking.  That way you'll always know your account is safe!

You will need to be signed up for Online Banking before you can check your account on a mobile device.  If you are interested in getting started with online banking, please make sure you give the credit union a call or send an email to info@greaterpittsburghfcu.org and we'll get you set up!

Please click here for detailed instructions on how to set up your mobile banking.  

 

Make Up for College Savings Shortfalls

Whether your savings failed to keep pace with the cost of your child's college dreams or you forgot to save at all, you still have options for funding a college education. 

Even parents who started saving while they were paying for diapers and baby food sometimes lack the funds needed to cover college costs that outpaced inflation over the past 10 years, according to the College Board in New York, a nonprofit association of colleges and universities.
 

To cover those college costs, consider these steps:

* Start saving now. Every dollar deposited by you or your student now can help cover college expenses later. Make sure you sign up for Payroll Deduction to have automatic deposits into your account.  To avoid being penalized by the financial aid process, keep all or most savings in the parent's name.
 

* If you have several years or more to build savings, check into programs designed to help fund education. Coverdell Education Savings Accounts and 529 savings plans can offer significant tax benefits.
 

* Remember that you'll be able to reallocate costs within your current budget. Money now spent on high school fees, activities, senior photos, and other expenses can be set aside for college costs once your student clears high school.
 

* Complete the Free Application for Federal Student Aid (FAFSA), provided online at www.fafsa.ed.gov. The FAFSA tells the parents and student what type of aid they can expect to receive and what their options are for accessing loan programs. Roughly two-thirds of students receive some form of financial aid.

* Visit the Mapping Your Future Website (http://mappingyourfuture.org/) for information about student loans and other funding options.

* Get your student to help. Earning good grades helps students get scholarships, while taking advanced placement or foreign language courses helps students "test out" of college coursework, which can save money by reducing the time required to complete a degree. Students also can work part-time to build savings or help cover costs while in college.

* Consider attending a community college for the first one or two years of college. Average tuition and fees at a community college are less than half of those charged by a four-year public university, according to the College Board.
 

* Call Greater Pittsburgh FCU today for information about personal loans or even home equity loans you can use to help pay for the high cost of education. 
Even before those college years, make sure you are ready for all that Back to School shopping! 

Copyright Credit Union National Association Inc. All other rights reserved.

UPMC Benefits Fairs 

It's UPMC Benefits Fair season again!  Fairs will be going through October, but here is our September Schedule: 

UPMC Corporate - US Steel Tower 
Monday, September 16
10:00pm - 3:00pm

UPMC Magee Hospital 
Tuesday, September 17
7:00am - 4:00pm

UPMC East Hospital - Monroeville 
Monday, September 23
7:00am - 4:00pm

UPMC Southside Hospital
Tuesday, September 24
8:00am - 1:00pm

UPMC Shadyside Hospital 
Friday, September 27
7:30am - 4:00pm

Make sure you stop by our table to say HI!  We'd love to see you!   Do you know a co-worker who would like to join?  Bring them along!

 

Christmas Club Checks 

For your convenience you may now request your Christmas Club Check whenever you want!  

To secure the mailing of the checks:  Christmas Club Checks will no longer be automatically mailed.  You will still receive 1 withdrawal per year - plus your Christmas withdrawal.  

To request your Christmas withdrawal, please call the credit union to have it sent out!  
 
President's Corner

We are pleased to announce the creation of our new bi-weekly, online newsletter starting this month!  Please take the time to review this new service and let us know what you think. Our staff at all five of our locations are always available to serve you personally and assist with all of your financial needs.  We value your membership and will always be available to serve you.  
 
Sincerely,

Patricia Juliano
President/CEO 
 

Greater Pittsburgh Federal Credit Union