JAN sun. wed. mon. thur 1. tue. fri. sat New Moon Do you have a holiday spending hangover?

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Night Sue and Bill Johnson, members since 1975; Tarpon Marina at Dusk Gina Signor, member since 2009 4 11 sun mon 5 12 6 13 tue wed Did you know?

Following that, the initial ACH rules were approved, which made Direct Deposit, the fi rst ACH transaction type, effective.

Full Moon Follow us @PinellasFCU Epiphany Third Quarter 7 14 thur 1 New Year s Day PFCU Closed 8 15 2 9 16 fri sat 3 10 17 JAN 2015 Do you have a holiday spending hangover?

3 Front Cover: St. Joseph Sound Hibiscus and Water View Angela Wright, member since 1988 Main Photo: Dunedin Marina Angela Wright, member since 1988 Insets (L to R): Lights Refl ect, Pirate Invasion and In for the Night Sue and Bill Johnson, members since 1975; Tarpon Marina at Dusk Gina Signor, member since sun mon tue wed Did you know? In 1974, ACH (Automated Clearing House) Associations formed NACHA within the fi nancial institution industry. Following that, the initial ACH rules were approved, which made Direct Deposit, the fi rst ACH transaction type, effective. By 1978, it was possible for two fi nancial institutions located anywhere in the U.S. to exchange ACH payments under a common set of rules and procedures. Full Moon Follow Epiphany Third Quarter 7 14 thur 1 New Year s Day PFCU Closed fri sat JAN 2015 Do you have a holiday spending hangover? Our fi nancial solutions can help provide some relief from holiday overspending. Consolidate debt with an affordable Home Equity Loan. Transfer higher-rate credit card balances to our low-rate Visa Credit Card that has no annual fee and no balance transfer fees. Finally, set up a biweekly direct deposit to a Club Account now to save for the upcoming holiday season New Moon Martin Luther King Jr. Day PFCU Closed 26 First Quarter December February

Main Photo: Pelican Sweethearts Robert Thurber, member since 2013 Insets (Top to Bottom):

Diane Nelson, members since 1973; Wood Ducks Gina Signor, member since 2009 1 sun mon tue

Washington s Birthday President s Day PFCU Closed 23 10 17 24 Mardi Gras 11 18 25 Third

Valentine s Day 21 28 Fall in love with your credit union.

A Checking Account, with no monthly fee or minimum balance and a free Debit Card, is a great

Then, keep track of your fi nances with free WebConnect, estatements, ealerts, BillConnect

but according to most history texts, the check fi rst got widespread usage in Holland during

The fi rst printed checks are traced to 1762.

5 Main Photo: Pelican Sweethearts Robert Thurber, member since 2013 Insets (Top to Bottom): Red Headed Woodpecker Susan Rossey, member since 2002; Clearwater Roseate Spoonbill Ken and Diane Nelson, members since 1973; Wood Ducks Gina Signor, member since sun mon tue wed thur fri sat Full Moon FEB 2015 Freedom Day Groundhog Day 9 16 Washington s Birthday President s Day PFCU Closed Mardi Gras Third Quarter New Moon Ash Wednesday 12 Lincoln s Birthday 19 Chinese New Year Valentine s Day Fall in love with your credit union. Our convenient, FREE services can help you manage and save money. A Checking Account, with no monthly fee or minimum balance and a free Debit Card, is a great place to start. Then, keep track of your fi nances with free WebConnect, estatements, ealerts, BillConnect and MobileConnect. These are just a few reasons to love your credit union! First Quarter Did you know? Some experts think the Romans may have invented the check about 352 B.C. but according to most history texts, the check fi rst got widespread usage in Holland during the early 1500s. In the United States, checks are said to have fi rst been used in The fi rst printed checks are traced to The word check also may have originated in England in the 1700s when serial numbers were placed on these pieces of paper to keep track of, or check on, them. Follow January March

Top Photos (L to R): Clearwater Beach Angela Wright, member since 1988; Beach Sunset Robert Thurber, member since 2013; Bottom Photos (L to R): Watching the Sun Set Andrea Dort, member since 1990;

Patrick s Day 24 11 18 PFCU Annual Meeting 25 12 19 26 Full Moon Purim 13 20 27 Third Quarter New Moon First Day of Spring First Quarter 14 21 28 MAR 2015 Once a member, always a member.

7 Top Photos (L to R): Clearwater Beach Angela Wright, member since 1988; Beach Sunset Robert Thurber, member since 2013; Bottom Photos (L to R): Watching the Sun Set Andrea Dort, member since 1990; Beach Bliss Maribel Silva, member since sun Daylight Savings Time Begins mon tue wed thur fri sat St. Patrick s Day PFCU Annual Meeting Full Moon Purim Third Quarter New Moon First Day of Spring First Quarter MAR 2015 Once a member, always a member. Pinellas Federal Credit Union was established in 1956 as a not-for-profi t cooperative to serve the fi nancial needs of Pinellas County Government employees and their families. Since then, we have expanded our membership to include State, County and local Municipal employees, Select Employee Groups, and consumers throughout Pinellas and Pasco Counties. Once you join, you are a member for life even if you move, change jobs or retire. 29 Palm Sunday Did you know? Credit unions are not-for-profi t fi nancial institutions created to serve their members as credit cooperatives. The earliest fi nancial cooperatives date back to the beginning of 19th century in England. A few decades later, credit unions took root in Germany. The credit union concept crossed the Atlantic to Levis, Quebec in The fi rst credit union in the United States opened its doors in Follow February April

Photo Credits: Water Birds Maribel Silva, member since 2006 sun mon tue wed thur fri sat 1 2 3 4 Did you know?

Full Moon APR 2015 5 6 7 April Fool s Day Maundy Thursday Good Friday Passover 8 9 10 11 Third Quarter It s never too early to start saving for retirement.

This principle makes a big difference in the amount of savings you will accrue before you retire. We offer IRA Savings and Certifi cate Accounts to help you meet your retirement savings goals.

9 Photo Credits: Water Birds Maribel Silva, member since 2006 sun mon tue wed thur fri sat Did you know? The Rule of 72 is a fi nancial trick that allows investors to project the rate of return they must earn in order to double their money over a given period of time. Full Moon APR April Fool s Day Maundy Thursday Good Friday Passover Third Quarter It s never too early to start saving for retirement. 12 Easter New Moon A retirement savings contribution made now is much better than one made later. This principle makes a big difference in the amount of savings you will accrue before you retire. We offer IRA Savings and Certifi cate Accounts to help you meet your retirement savings goals. Choose from Traditional, Roth or Coverdell Savings account types. Consult your tax advisor regarding which is best for you First Quarter Administrative Professionals Day Arbor Day Follow March May

Main Photo: Calla Lily Robert Thurber, member since 2013 Insets (Top to Bottom):

member since 2012; Blue Beauties in Bloom Maribel Silva, member since 2006 sun mon

A new car is second only to a home as the most expensive purchase many consumers make.

car sold in the United Sates is $30,000.

Your credit union ca discuss car loan options with you.

12 13 7 14 8 15 9 16 Is it time for a new vehicle?

exible payment options not to mention, the fantastic service that you well deserve.

11 Main Photo: Calla Lily Robert Thurber, member since 2013 Insets (Top to Bottom): Passion for Purple Andrea Dort, member since 1990; Pretty Petunias Katherine Levy, member since 2012; Blue Beauties in Bloom Maribel Silva, member since 2006 sun mon tue wed thur fri sat 1 2 Did you know? A new car is second only to a home as the most expensive purchase many consumers make. According to the National Automobile Dealers Association, the average price of a new car sold in the United Sates is $30,000. That s why it s important to know how to make a smart deal. Your credit union ca discuss car loan options with you. Follow MAY Full Moon 4 11 Third Quarter 5 6 Cinco de Mayo Is it time for a new vehicle? If you re looking for a new (or new-to-you ) vehicle, get preapproved with us before you shop! We offer on-the-spot loan approvals, low loan rates, up to 100% fi nancing and fl exible payment options not to mention, the fantastic service that you well deserve. Apply today! Mother s Day New Moon Armed Forces Day Pentecost Shavuot 25 First Quarter April June Memorial Day PFCU Closed

Main Photo: Dressed to Impress Kathleen Dowd, member since 2007 Insets

Kathleen Dowd, member since 2007; Eastern Tiger Swallowtail Robert

2012; Dragonfl y Teresa Larabee, member since 2011 sun mon tue wed thur

Moon 10 17 11 18 12 19 13 20 Take that dream vacation.

Club Account to save for a summer trip, those many months ago, was a

Now you can kick back and relax on vacation without having to worry

21 Flag Day 22 23 24 25 26 27 First Quarter Father s Day First Day of

In 2014, the average amount that consumers spent on summer travel was

13 Main Photo: Dressed to Impress Kathleen Dowd, member since 2007 Insets (L to R): Busy Bee Gina Signor, member since 2009; Pink Hibiscus Kathleen Dowd, member since 2007; Eastern Tiger Swallowtail Robert Thurber, member since 2013; Peach Hibiscus Katherine Levy, member since 2012; Dragonfl y Teresa Larabee, member since 2011 sun mon tue wed thur fri sat Full Moon JUN Third Quarter New Moon Take that dream vacation. Opening and setting aside a portion of your biweekly paycheck into a Club Account to save for a summer trip, those many months ago, was a smart idea! Now you can kick back and relax on vacation without having to worry about paying off post-vacation expenses. 21 Flag Day First Quarter Father s Day First Day of Summer Did you know? In 2014, the average amount that consumers spent on summer travel was $1,246 per person May July Follow

Main Photo: Clearwater Fireworks Ken and Diane Nelson, members since 1973 Insets:

4 Did you know? Mail theft is one of the most basic methods of stealing identity.

secure transactions and using the latest technology to keep your information safe.

Closed 10 17 Independence Day 11 18 Never miss a payment again.

It s quick, easy and eliminates the need for stamps, envelopes and paper checks.

New Moon 19 20 21 22 23 24 25 First Quarter 26 27 28 29 30 31 Full Moon 727.586.

15 Main Photo: Clearwater Fireworks Ken and Diane Nelson, members since 1973 Insets: Gulfport Fireworks Kathleen Dowd, member since 2007 sun mon tue wed thur fri sat Did you know? Mail theft is one of the most basic methods of stealing identity. Online bill pay services can help reduce your risk of identity theft by offering secure transactions and using the latest technology to keep your information safe. Passwords and other security keys are required to access your accounts and all your information is encrypted. Full Moon JUL Follow Third Quarter 9 16 PFCU Closed Independence Day Never miss a payment again. Pay your bills online with convenient BillConnect from Pinellas Federal Credit Union. It s quick, easy and eliminates the need for stamps, envelopes and paper checks. All it takes is the click of a mouse and best of all, it s FREE. Sign up today. New Moon First Quarter Full Moon June August 1 Parents Day

Top Photos (L to R): Raccoon Arthur McKay, member since 1984; Deer Maribel Silva, member since 2006 Bottom

providers would offer lines of credit to their customers.

often attributed as the grandfather of credit cards.

a more economical way to help you pay for back-to-school expenses.

17 Top Photos (L to R): Raccoon Arthur McKay, member since 1984; Deer Maribel Silva, member since 2006 Bottom Photos (L to R): Squirrel and Bunny Maribel Silva, member since 2006 sun mon tue wed thur fri sat 1 Did you know? Before major companies and banks issued actual credit cards, individual retailers, merchants, and other providers would offer lines of credit to their customers. While the fi rst credit card invented would not come along until the 1940s, this method of using credit is often attributed as the grandfather of credit cards. Follow AUG Third Quarter 8 School supplies and tuition expenses can really add up New Moon 15 A Pinellas Federal Credit Union Personal Loan or a Visa Credit Card might be a more economical way to help you pay for back-to-school expenses. Our low, fi xed rates and fl exible payments can be much easier on your budget than expensive department store cards. Contact us and see what option is right for you! First Quarter Full Moon July September

Left Photo Bridge Sunset Lynn Greene, member since 1997 Right Photos (Top to Bottom): Sunset over Sand Key and Clearwater Beach Ken and Diane Nelson, members since 1973; Sunset at Dunedin Marina

13 New Moon Labor Day PFCU Closed 14 15 16 17 18 Patriot Day 19 Opening a MyCa$h account for your youth (under the age of 18) is a great way to start teaching them fi nancial responsibility.

Grandparent s Day 20 Rosh Hashana 21 22 23 Constitution and Citizenship Day 24 POW/MIA Recognition Day 25 26 First Quarter 27 Full Moon 28 Succot Begins 29 First Day of Fall Yom Kippur 30 Did you

19 Left Photo Bridge Sunset Lynn Greene, member since 1997 Right Photos (Top to Bottom): Sunset over Sand Key and Clearwater Beach Ken and Diane Nelson, members since 1973; Sunset at Dunedin Marina Angela Wright, member since 1988 sun Follow mon tue wed thur fri sat Third Quarter SEP It s never too early to teach good financial habits. 13 New Moon Labor Day PFCU Closed Patriot Day 19 Opening a MyCa$h account for your youth (under the age of 18) is a great way to start teaching them fi nancial responsibility. With a MyCa$h account, there s a $5 minimum balance and dividends are earned quarterly on balances over $100. Parents, grandparents or legal guardians can open these accounts. Grandparent s Day 20 Rosh Hashana Constitution and Citizenship Day 24 POW/MIA Recognition Day First Quarter 27 Full Moon 28 Succot Begins 29 First Day of Fall Yom Kippur 30 Did you know? During the middle ages, knights did not carry currency because of robbers. Instead, knights wore special rings. When they needed to purchase something, the knight would stamp the bill with his ring, then the merchant would bring the stamped bill to the knight s castle for payment. Similar to a credit card these days! August October

Main Photo: Web of Refl ections Katherine Levy, member since 2012 Insets (Top to Bottom): Scenic Paths Maribel Silva, member since 2006 sun mon tue wed thur fri sat 1 2 3 Did you know?

Dealerships need to make room for new inventory, so they may offer special incentives on the current year s models.

Pinellas Federal Credit Union partners with select Pinellas and Pasco auto dealerships to offer members special pricing and discounts on new and used vehicle purchases.

21 Main Photo: Web of Refl ections Katherine Levy, member since 2012 Insets (Top to Bottom): Scenic Paths Maribel Silva, member since 2006 sun mon tue wed thur fri sat Did you know? When it comes to car shopping, timing is everything. The fall season is usually a great time to shop for a vehicle, since that s when manufacturers typically roll out new vehicle models. Dealerships need to make room for new inventory, so they may offer special incentives on the current year s models. OCT 2015 Follow 4 11 Third Quarter Sukkot Ends 5 12 New Moon Check out our Preferred Auto Dealerships. Pinellas Federal Credit Union partners with select Pinellas and Pasco auto dealerships to offer members special pricing and discounts on new and used vehicle purchases. View our dealership partners inventories on our Preferred Dealerships page at 18 Columbus Day PFCU Closed First Quarter Boss s Day Full Moon September November Halloween

Main Photo: Remembering our Veterans Lynn Greene, member since 1997 Insets:

Maribel Silva, member since 2006 sun 1 All Saints Day Daylight Savings Time

Quarter Election Day 11 18 New Moon Veterans Day PFCU Closed 12 19 First

solution. We have holiday gift cards for everyone on your gift giving list.

time this holiday season doing what matters most: spending time with family and

22 23 24 25 26 27 28 Full Moon 29 First Sunday of Advent 30 Thanksgiving Day

Gift cards are the most requested item on holiday wish lists.

and Mother s Day. The most common gift card amount is $25.

23 Main Photo: Remembering our Veterans Lynn Greene, member since 1997 Insets: (Top to Bottom): Sunken Gardens Teresa Larabee, member since 2011; Garden Bench Maribel Silva, member since 2006 sun 1 All Saints Day Daylight Savings Time Ends 8 15 mon tue wed thur fri sat All Souls Day Third Quarter Election Day New Moon Veterans Day PFCU Closed First Quarter NOV 2015 Gift cards are the perfect one-size-fits-all solution. We have holiday gift cards for everyone on your gift giving list. Stop by our nearest branch, fi nish your holiday shopping early and spend more time this holiday season doing what matters most: spending time with family and friends Full Moon 29 First Sunday of Advent 30 Thanksgiving Day PFCU Closed Day after Thanksgiving PFCU Closed Did you know? Gift cards are the most requested item on holiday wish lists. Christmas is the top purchase occasion for gift cards, followed by birthdays and Mother s Day. The most common gift card amount is $25. Follow October December

Main Photo: December Sunset Angela Wright, member since 1988 Insets (L to R): Sunset over Sand Key and

1975; Sunset Kiteboarder Angela Wright, member since 1988; Sunrise at Safety Harbor Pier Ken and Diane Nelson,

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S.

mon tue wed thur fri sat 1 2 3 4 5 Third Quarter DEC 2015 6 13 7 Pearl Harbor Day Hanukkah Begins 14 8 15 9 16

Refer your family members, friends and coworkers for credit union membership so that they can also enjoy all

Open a share savings account with a one-time, nonrefundable $5 application fee and deposit a $5 minimum share

The mimumum share balance remains on deposit at all times and represents your share of ownership in Pinellas

25 Main Photo: December Sunset Angela Wright, member since 1988 Insets (L to R): Sunset over Sand Key and Clearwater Beach Ken and Diane Nelson, members since 1973; Beach Sunset Sue and Bill Johnson, members since 1975; Sunset Kiteboarder Angela Wright, member since 1988; Sunrise at Safety Harbor Pier Ken and Diane Nelson, members since 1973 sun Did you know? Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government through the NCUA (National Credit Union Administration), a U.S. Government Agency. mon tue wed thur fri sat Third Quarter DEC Pearl Harbor Day Hanukkah Begins New Moon First Quarter Give the gift of membership. Refer your family members, friends and coworkers for credit union membership so that they can also enjoy all the benefi ts we have to offer. Open a share savings account with a one-time, nonrefundable $5 application fee and deposit a $5 minimum share balance. The mimumum share balance remains on deposit at all times and represents your share of ownership in Pinellas Federal Credit Union. 20 Hanukkah Ends Full Moon First Day of Winter Christmas Eve PFCU Closes at 12 pm Christmas Day PFCU Closed Kwanzaa Follow November January 1 2 New Year s Eve PFCU Closes at 12 pm

Branch Locations and Hours Important Information Main Branch 10273 Ulmerton Rd.

Thursday 8 am - 5 pm Friday 7:30 am - 6 pm Roosevelt Branch 15201 Roosevelt Blvd., Ste.

Tuesday - Thursday 8 am - 5 pm Friday 7:30 am - 6 pm Clearwater Branch 1601 Gulf-to-Bay Blvd.

Tuesday - Thursday 8 am - 5 pm Friday 7:30 am - 6 pm North County Branch 30645 US Highway 19 N.

Petersburg Branch 3100 5th Avenue North St.

Tuesday - Thursday 8 am - 5 pm Friday 7:30 am - 6 pm Pasco Branch 4435 Rowan Rd., Ste. 2, Bldg.

26 Branch Locations and Hours Important Information Main Branch Ulmerton Rd. Largo, FL Lobby Hours: Monday - Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-Thru Hours Monday 7:30 am - 5 pm Tuesday - Thursday 8 am - 5 pm Friday 7:30 am - 6 pm Roosevelt Branch Roosevelt Blvd., Ste. 113 Clearwater, FL Lobby Hours: Monday - Thursday 8 am - 5 pm Friday 8 am - 6 pm Drive-Thru Hours Monday 7:30 am - 5 pm Tuesday - Thursday 8 am - 5 pm Friday 7:30 am - 6 pm Clearwater Branch 1601 Gulf-to-Bay Blvd. Clearwater, FL Lobby Hours: Monday - Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-Thru Hours Monday 7:30 am - 5 pm Tuesday - Thursday 8 am - 5 pm Friday 7:30 am - 6 pm North County Branch US Highway 19 N. Palm Harbor, FL Lobby Hours: Monday - Thursday 8 am - 5 pm Friday 8 am - 6 pm St. Petersburg Branch th Avenue North St. Petersburg, FL Lobby Hours: Monday - Thursday 9 am - 5 pm Friday 9 am - 6 pm Drive-Thru Hours Monday 7:30 am - 5 pm Tuesday - Thursday 8 am - 5 pm Friday 7:30 am - 6 pm Pasco Branch 4435 Rowan Rd., Ste. 2, Bldg. B New Port Richey, FL Lobby Hours: Monday - Friday 8 am - 5 pm Closed for lunch 1 pm - 2 pm Member Services CU Web Connect CU Voice Connect (toll free) CU Loan Connect , opt. 8 Card Activation Lost/Stolen Card (M-F, 8 am - 5 pm) (after hours) Main Photo and Inset: Sunshine Skyway Bridge and Water Bird Kathleen Dowd, member since 2007

27 dates to remember notes Photo Credit: Beach Pier Teresa Larabee, member since 2011

January 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2016 February 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 March 1 2 3 4

14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 June 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 July 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

25 26 27 28 29 30 October 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 November 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30

28 January February March April May June July August September October November December Lightning Strikes Clearwater Ken and Diane Nelson, members since 1973

November /1/2016

November /1/2016 November 2016 11/1/2016 30 31 1 2 3 4 5 10/30/16 10/31/16 11/1/16 11/2/16 11/3/16 11/4/16 11/5/16 Halloween All Saints' Day 6 7 8 9 10 11 12 11/6/16 11/7/16 11/8/16 11/9/16 11/10/16 11/11/16 11/12/16 Daylight