FIND AN ATM THAT DOES NOT CHARGE A FEE --

The credit union is part of the CU$ Network and you can use your debit card at any location where you see the "CU$" logo without being assessed a fee. We have a link that you can search for credit unions where you live or may be visiting to avoid those costly bank fees. Go to "Links" and then click on the CU$ symbol. Enter a City or simply choose the County you will be in and get a list of all machines.

Here are some machines that you can use in Allegheny County. Deposits can be made at machines the list "Deposit". Otherwise, you can just withdraw cash.

Institution	Location	Address	Type
ALCOA PITTSBURGH FCU	Main Office Walk-up Inside	30 Isabella Street Pittsburgh, PA 15212 map	Withdrawal
CARNEGIE MELLON UNIVERSITY FCU	Branch Office Walk-up Inside	4902 Forbes Avenue Pittsburgh, PA 15213 map	Withdrawal
CLEARVIEW FCU	Cricket Store Walk-up Inside	201 Smithfield Street Pittsburgh, PA 15222 map	Withdrawal
CLEARVIEW FCU	Branch Office Walk-up Outside	1920 Park Manor Blvd Pittsburgh, PA 15205 map	Deposit
CLEARVIEW FCU	Pittsburgh International Airport Walk-up Inside	Airside Pittsburgh, PA 15231 map	Deposit
CLEARVIEW FCU	Pittsburgh International Airport Walk-up Inside	Landside Pittsburgh, PA 15231 map	Deposit
CLEARVIEW FCU	Pittsburgh Airport Walk-up Inside	Hangar Pittsburgh, PA 15231 map	Deposit
CLEARVIEW FCU	Cricket Store Inside	613 Clairton Blvd Pittsburgh, PA 15236 map	Withdrawal
CLEARVIEW FCU	Branch Office Drive-up	330 Towne Square Way Pittsburgh, PA 15227 map	Deposit
CLEARVIEW FCU	Office Building Greentree	Parkway Center #3 Pittsburgh, PA 15220 map	Deposit
HEINZ DEL MONTE FCU	Branch Office Walk-up Inside Lobby	357 6th Avenue Pittsburgh, PA 15222 map	Withdrawal
PPG & ASSOCIATES FCU	Health South Rehab Inside	320 Guys Run Road Pittsburgh, PA 15238 map	Withdrawal
PSECU	State Office Walk-up Inside	301 5th Avenue Pittsburgh, PA 15222 map	Withdrawal
RIVERSET CU	Main Office Walk-up Outside	53 S Tenth Street Pittsburgh, PA 15203 map	Withdrawal
TRI BORO FCU	Lifecare Hospital Inside	225 Penn Avenue Pittsburgh, PA 15221 map	Withdrawal
USX FCU	Branch Office Inside	600 Grant Street Pittsburgh, PA 15219 map	Withdrawal
VA PITTSBURGH EMPLOYEES FCU	Main Office	7180 Highland Drive Pittsburgh, PA 15206 map	Withdrawal
VA PITTSBURGH EMPLOYEES FCU	VA Pittsburgh HealthCare System Inside	5310 Delafield Road Pittsburgh, PA 15240 map	Withdrawal
VA PITTSBURGH EMPLOYEES FCU	VA Healthcare Medical Center	University Drive Pittsburgh, PA 15240 map	Withdrawal

COMING SOON....MOBILE BANKING! --
The credit union soon will be offering free Mobile Banking to credit union members. This new free service will be available to those with Android Phones (not windows) and I-Phones and I-Pads. You will have quick easy secure access to your accounts with this new service. Watch for updates!!!

BI-ANNUAL AUDIT OF ACCOUNTS --

The credit union will be conducting their Bi-Annual Audit of Accounts with the mailing of statements ending June 30, 2013. The statements may be slightly delayed because they will be mailed to you by an outside party.

If you believe that there is an error on your statement, there will be a special return address that you will be required to send notification and details as to why you think there is an error or problem. Please do not send any letters to the credit union address in this regard. The Supervisory Committee of the Greater Pittsburgh Police Federal Credit Union will be handling this matter.

Thank you in advance for your understanding and cooperation.

VISA TRANSFER BALANCE SPECIAL --

Start saving today!

Transfer credit card and loan balances over to a credit union Visa card and pay just 3.99% APR on those balances until they are paid off.

The transfers must come from another financial institution or credit card company. Current credit union loans and visa balances cannot be included in this offer.

This offer is for a limited time only (May 1, 2013 through August 31, 2013).

GOLF OUTING --

Greater Pittsburgh Police Federal Credit Union is sponsoring a golf outing to benefit the Allegheny County Camp Cadet program. This is an annual program hosted by the PA State Police and the Pittsburgh Police.

The event will be held September 23, 2013 at Quicksilver Golf Club. There will be a shotgun start at 8 am. Cost is $125.00 / golfer and includes 18 holes of golf, breakfast box, hot dog and drink at the turn, and dinner with non-alcoholic beverages. We are looking for beverage sponsors for out on the course as well as sponsors to cover the cost of the meals and driving range. We will have skill prizes, raffles, and sell skins.

Click here for more information and how to register. Please join us to help support a great cause!

IMPORTANT CHANGE TO INSURANCE LIMITS EFFECTIVE JANUARY 1, 2013 --
The temporary unlimited Share Insurance Fund coverage for noninterest-bearing transaction accounts will expire on December 31, 2012.¹

Insurance on Noninterest-Bearing Transaction Accounts
Section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 provided temporary unlimited share/deposit insurance coverage on all noninterest-bearing transaction accounts in federally insured credit unions and banks. Generally, this refers to noninterest-bearing share draft/checking accounts with funds in excess of $250,000.

As of September 30, 2012, approximately 12.5 percent of credit unions held noninterest-bearing share accounts totaling $2.8 billion. The unlimited share/deposit insurance coverage on noninterest-bearing accounts will expire on December 31, 2012.

How will the expiration of the unlimited insurance on noninterest-bearing transaction accounts affect members?

Insurance coverage on noninterest-bearing transaction accounts will return to the permanent level of up to $250,000 beginning January 1, 2013.² In other words, noninterest-bearing transaction accounts will be subject to the same insurance coverage levels as all other share accounts in a credit union. To see if this affects your accounts, visit the NCUA Share Insurance Tool Kit @ (http://www.ncua.gov/DataApps/Pages/SI-Tools.aspx).

The Tool Kit is designed to estimate your insurance coverage.

________________

¹If Congress votes to extend the Transaction Account Guarantee (TAG) before December 31, 2012, and if the President signs the new TAG legislation into law, then the unlimited coverage for noninterest- bearing accounts would continue.

²The level of coverage could be higher depending on the member’s share account structure. Please refer to “Your Insured Funds” on the NCUA website at www.ncua.gov for more information of value regarding this change.

PICK YOUR OWN PIN NOW AVAILABLE --
Effective immediately, members can now pick their own pin number for the Debit card by calling 1-866-297-3411. You will need your debit card number, zip code and the pin number now associated with your debit card.

WE NOW REDEEM US SAVINGS BONDS --

The credit union can now redeem your US Savings Bonds. There is a processing fee of $8 each time you redeem bonds. This covers the certified mailing of your bond(s) to the federal reserve. This is per occurence, not per bond. This service is only available to members that have a membership at Greater Pittsburgh Police FCU.

NEW HOME BANKING & BILL PAY --

Our Home Banking/Bill Pay has been transformed into a new and improved web site to transact your credit union financial business with better ease of navigation.

With our free Bill Pay program, you will be able to see what percentage of your bills are spent for each item that you pay to better track your spending.

You can send yourself alerts when your checking balance is below $100 or when you have a loan payment due. You can elect to be notified in the form of a text message or an email.

Just a reminder, you can pay your credit union Visa or loan by a simple transfer from your account.

We hope that you like the improvements!

CHANGE OF FEES - PLEASE READ! --

Effective October 1, 2012, the credit union will be charging less for Stop Payment Fees and Non-sufficient Funds (NSF) Fees. Stop Payment Fees will drop from $25 to $15 per item. NSF Fees will also drop from $25 to $15 dollars. There will be a NEW fee for overdraft transfers from share savings.

We will now charge a fee of $5 per overdraft transfer. This fee is imple-mented to cover the costs associated with extra time, paperwork, handling and member notifica-tion (which includes stationery, paper and post-age).

Members can easily transfer money from savings to checking in Home Banking prior to making purchases and writing checks in order to prevent these new fees.

LATEST NEWSLETTER BELOW --

Our Fall Newsletter is now available at the bottom of our web site home page. Just click on the link at the bottom of the page to view or print:

LOAN SPECIALS!!!!!!! --

We have some loan specials for you!

Christmas / Vacation Loans

A, B, & C credit rating 4% Annual Percentage Rate / payback 12 months

D & E credit rating 6% Annual Percentage Rate / payback 12 months

Used Auto Loan Special

0-36 months 1.50% Annual Percentage Rate

37-60 months 2.99% Annual Percentage Rate

61-72 months 3.99% Annual Percentage Rate

Ability to repay and late payments on credit report may result in a higher rate. The Loan Committee determines the rate upon review of each completed application.

New Car Rate Special - continued

0-36 months 0.99% Annual Percentage Rate

37-60 months 1.99% Annual Percentage Rate

61-72 months 2.99% Annual Percentage Rate

Ability to repay and late payments on credit report may result in a higher rate. The Loan Committee determines the rate upon review of each completed application.

Apply for any of these great rate loans today on our website by clicking "Loan Application" on the left side of your screen. Fax two current paystubs for each applicant. If you are buying a car, have the dealership fax us a "sales agreement". Our fax number is 412-922-7556. We pledge to give you a reply within 1 business day (after receiving a complete application with paystubs and sales agreement if one applies).

WHAT TO DO IF YOU ARE A VICTIM OF IDENTITY THEFT --

Fraud Victim Bill of Rights

Managing the effects of identity theft

Identity theft occurs when someone uses a combination of your name, Social Security Number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name.

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft:

You have the right to ask the major credit reporting companies to place a Fraud Alert on your credit report. This will let potential creditors and others know that you may be a victim of identity theft. A Fraud Alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. It also may delay your ability to obtain credit. You only need to notify one of the three credit reporting companies: as soon as that company processes your Fraud Alert, it will notify the other two, which must then also place Fraud Alerts on your report.

Place a Fraud Alert on your credit reports – online, right now >>
An Initial Fraud Alert stays on your credit report for at least 90 days. An Extended Alert stays on your report for seven years. To place either of these alerts, you will need to provide appropriate proof of your identity, which may include your Social Security Number. If you ask for an Extended Alert, you will have to provide an identity theft report. An identity theft report includes a copy of a report you have filed with a federal, state or local law enforcement agency, plus any additional information requested. For more detailed information about the identity theft report, visit www.ftc.gov/idtheft
You have the right to free copies of the information on your credit report. An Initial Fraud Alert entitles you to a copy of all the information in your report at each of the three major credit reporting companies, and an Extended Alert entitles you to two free reports in a 12-month period following the placement of the alert. These additional disclosures may help you detect signs of fraud, whether fraudulent accounts have been opened in your name or whether someone has reported a change in your address. Also, regardless of whether you suspect fraud or not, you have the right to a free copy of the information on your report at any credit reporting company once a year, as well as the ability to obtain additional free credit reports under other provisions of the FCRA. See www.ftc.gov/credit.
You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report and an affidavit before giving you the documents. It also may specify an address for you to send your request. Under certain circumstances, a business can refuse to provide you with these documents. See www.ftc.gov/idtheft.
You have the right to obtain information from a debt collector. If you ask, a debt collector must provide you with certain information about the debt you believe was incurred in your name by an identity thief, such as the name of the creditor and the amount of the debt.
If you believe information in your report results from identity theft, you have the right to ask a credit reporting company to block that information from your credit report. An identity thief may run up bills in your name and not pay them. Information about the unpaid bills may appear on your credit report. Should you decide to ask a credit reporting company to block the reporting of this information, you must identify the information to block, and provide the company with proof of your identity and a copy of your identity theft report. The credit reporting company can refuse or cancel your request for a block if, for example, you don’t provide the necessary documentation, or if the block results from an error or a material misrepresentation of fact made by you. If the company declines or rescinds the block, it must notify you. Once a debt resulting from identity theft has been blocked, a person or business with notice of the block may not sell, transfer, or place the debt for collection.
You also may prevent businesses from reporting information about you to credit reporting companies if you believe the information is a result of identity theft. To do so, you must send your request to the address specified by the business that reports the information to the credit reporting companies. The business will expect you to identify what information you do not want reported and to provide an identity theft report.

To learn more about identity theft and how to deal with its consequences, visit www.ftc.gov/idtheft, or write to the FTC. You may have additional rights under state law. For more information, contact your local consumer protection agency or your state attorney general.

In addition to the new rights and procedures to help consumers deal with the effects of identity theft, the FCRA has many other important consumer protections. They are described in more detail at www.ftc.gov/credit.

OPT OUT / DO NOT CALL REGISTRY --

Stop those dinnertime phone calls permanently by logging on to www.donotcall.gov and entering your home phone number OR by calling 1-888-382-1222.

You can also stop all the credit card offers that you get in the mail by logging on to www.optoutprescreen.com OR by calling 1-888-567-8688. You can choose to opt out permanently or for 5 years.

Opt-out Notice Rule

Beginning August 1, 2005, financial institutions and other companies that send “prescreened” solicitations of credit or insurance to consumers will be required to provide simple and easy-to-understand notices that explain consumers’ right to opt-out of receiving future offers. The FTC, as required by FACTA, issued a Final Rule on January 31, 2005, which specified the format, type size, and manner for these opt-out notices.

If consumers decide that they don’t want to receive prescreened offers of credit and insurance, there are two choices: (1) opt-out of receiving them for five years; or (2) opt-out of receiving them permanently. Consumers can call toll-free 1-888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com for details. The telephone number and Web site are operated by the major consumer reporting companies. When calling, or visiting the Web site, consumers will be asked to provide certain personal information, including home telephone number, name, Social Security Number, and date of birth. The information provided is confidential and will be used only to process the request to opt-out.

FREE CREDIT REPORTS --

Pennsylvanians and residents of 13 eastern states, Puerto Rico, and all U.S. territories, can obtain a free copy of their credit report from one of the three credit reporting agencies under the federal Fair and Accurate Credit Transaction Act (FACT Act). Congress passed FACTA in December 2003.

Citizens are encouraged to request a copy of their credit report. The U.S. Public Interest Research Group says one in four credit reports surveyed contained serious errors that could result in the denial of credit, employment, or insurance. It’s essential for all Pennsylvanians to regularly review their credit report to make sure it’s accurate and to guard against identity theft. Errors or undetected fraud can negatively impact a consumer’s access to loans and the interest rate they are charged.

The law permits consumers to receive one free credit report per year from Equifax, TransUnion, and Experian. The goal is to prevent such theft, resolve consumer credit disputes, and improve the accuracy of consumer credit reports.

Consumers are urged to be wary of companies with similar sounding names that may require a purchase in exchange for the free credit report or ones that make offers to repair damaged credit. If consumers are not certain a credit-reporting agency is legitimate, or they believe they are a victim of identity theft, they should contact the FTC at www.ftc.gov.

Free reports may be requested online at www.annualcreditreport.com or call toll-free, 877-322-8228. Consumers may also send a request by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

STUDENT LOANS AVAILABLE --

You now have the opportunity to apply for student loans through the credit union. Click on "Services" on the left menu and then scroll down to the "Loan" section. There is a link for our new "Sallie Mae Smart Option Student Loan". Click to "Get Started" today!

SIGN UP FOR HOME BANKING/BILL PAYMENT --

Electronic Home Banking, E-Statments and Bill Payment are free services that we offer to make it simple and convenient to view and manage your account, receive your statements (instead of snail mail...and safer) as well as to pay your bills.

Now you don't have to worry about someone stealing your statement out of your mailbox, get your statement online. We will even store 12 months of statements for your quick reference.

You can view your cancelled checks for up to two months and print them for free!

You can set up bills you want to pay by entering the Vendor’s name and address, account number, payment amount and payment date. Then select whether you will be paying monthly, biweekly or one time only. You can monitor payments and have an electronic record of paid bills. With Electronic Bill Payment, you can pay your bills without writing a check. Enroll today!

VISA GIFT CARDS --

WE SELL VISA GIFT CARDS UP TO $500.00

$2.50 ACTIVATION CHARGE PER CARD

GREAT FOR GIFTS!

CREDIT UNION CLOSED DATES --

The credit union will be closed on the following dates:

2013

Memorial Day - Monday, 27

Independence Day - Thursday, July 4

FOP Picnic - Monday, July 8 (We close at Noon)

Labor Day - Monday, September 2

Thanksgiving Holiday - Thursday, November 28 & Friday, November 29

Christmas Eve - Tuesday, December 24 (Close at Noon)

Christmas - Wednesday, December 25

New Year's Eve - Wednesday, December 31 (Close at Noon)

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	We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.