1) Auto Loans as low as 5.50% APR
2) 60-Month CD 5.12% APY
3) Legacy Checking 2.27% APY

HEY, BIG SPENDERS!

We can’t blame you for wanting to reward yourself for a job well done.
Here are a few money-smart options available from People’s Trust.

Buy your dream car or home.
Admit it, you’ve had your eye on something special. Maybe a hot little sports car, a bigger home or a vacation house. No problem.

  • We offer great, low rates for auto loans, and we’ll even throw in an extra 0.25% discount when you auto-pay from your checking account.1
  • For really great rates on real estate, People’s Trust offers mortgage loans at extremely competitive rates. Check us out. Apply before March 31st and we’ll take 50% off processing and underwriting fees.2 Call Susan Gomez at 713.428.3279 to apply for a mortgage loan.

Apply for a home equity loan.
Home equity loans through People’s Trust are easy to apply for and have very competitive rates.2
You name it and a home equity loan can be used to help pay for it.

  • Vacations? Sure.
  • Remodeling your home? You got it.
  • Education? Yep.
  • World’s biggest ant farm? Well, if that’s what you want.

Refinance debt and keep your cash with a share secured loan.
A share secured loan from People’s Trust may actually be better than paying off debt.3 Why? You keep your cash on-hand and maintain a good payment history, which may help your credit rating.

  • Share secured loans have an interest rate of 3.00% APR over earnings on your savings account, CD or money market. You pay a lower interest rate while earning interest on your funds in savings.

Pick the option that’s best for you, and call us at 713.428.3200.

YO, SUPER SAVERS!

So, you’ve decided to save your bonus...good for you!

We recommend one of these great options from People’s Trust and Signal Hill Investment Services.4

Open a CD or money market until you decide what to do.
It’s okay if you don’t quite know what to do with your money yet. But don’t lose out on all that potential interest you could be earning with a CD or money market account. Best of all, there’s no risk of losing principle like in the stock market or money market mutual funds.

  • Take advantage of our Premier Money Market and earn up to 5.69% APY.5
  • By putting your money in a CD, you could earn up to 3.76% APY.6

Invest with Signal Hill.
One way to ensure you make the most of your bonus is to meet with a financial professional–like the friendly and knowledgeable experts at Signal Hill. Signal Hill is part of People’s Trust and they can advise what’s best for you.

  • Signal Hill clients with assets under management of $100K or more automatically qualify for the Gold Money Market rate at People’s Trust.7
  • Most importantly, Signal Hill offers free consultations.

Save for an emergency or rainy day.
You never know when life will throw you a curve ball, or a great opportunity, so why not hang on to your money – just in case.

  • The Legacy Checking account is a good place for you to save money in a liquid form.8 In fact, the interest rate on our “High Interest” option is an amazing 3.00% APY. Simply use some of your bonus money to meet the $10,000 minimum average daily balance and you’re good to go.
  • If you’re thinking of short-term savings, consider saving up for the holidays, a vacation, or taxes. Of course, for emergencies, you should have 6 months of living expenses in liquid cash (three months if you are married with dual incomes).

Pick the option that fits you best and give us a call at 713.428.3200.

NEED SOME GUIDANCE?

Call us at 713.428.3200 or toll free at 1.800.321.2411. When it asks if you know your party’s extension, use extension 6 1 0 to talk with Member Services.
 
If you’d like to apply for a loan, click here.

Looking for a Mortgage loan? Call Susan Gomez at 713.428.3279.

1. Call 713.428.3200 or visit www.peoplestrustfcu.org for full details including current rates. If you auto-pay your loan from a People’s Trust checking account you will receive a 0.25% discount on your rate. If auto-pay is discontinued for any reason, your discounted rate will be canceled and the ANNUAL PERCENTAGE RATE (APR) will increase by 0.25% to the original rate you qualified for before the discount was applied. Payments will be projected based on the qualifying rate minus the discount. Maximum discount 0.5%. Auto-pay discount applies to new People’s Trust auto loans only. Members with existing auto loans may take advantage of discount if loan is refinanced and refinance fee is paid.

2. Call 713.428.3200 or visit www.peoplestrustfcu.org for full details including current rates.

3. The APR will be the most recently declared dividend rate being paid on the account offered as security (Index) on the date of the advance plus a margin 3.00% above the index. Not withstanding this calculation, your APR will never be more than 18.00%, or the maximum rate permitted by law, whichever is less. Your APR will never be less than 4.00%. If securing funds with a term share account, the approximate term of the advance may not exceed the term of the account offered as security.

4. Securities and insurance products offered through LPL financial and its affiliates. Member FINRA/SIPC. Not NCUA Insured. No Credit Union Guarantee. May Lose Value. People’s Trust Federal Credit Union is not affiliated with LPL Financial.

5. ANNUAL PERCENTAGE YIELD or APY is accurate as of 3/1/2008 and subject to change without notice after account is opened. Minimum balance to earn stated APY for Premier Money Market account is $250,000. Rates are dependent on relationship point level and account balance. Visit your nearest branch or www.peoplestrustfcu.org for a complete rate sheet and account terms.

6. Minimum balance to earn stated APY is $100,000. Dividends are calculated by the Daily Balance method which applies a daily periodic rate to the principal in the account each day. A penalty is charged for early withdrawal.

7. Signal Hill clients with assets under management of $100K or more earn two points towards a People’s Trust Money Market account. People’s Trust members with a money market account who earn two additional points qualify for the Gold Money Market rate.

8. If the Daily Balance on a Legacy Checking account falls below $10,000 for a given month, dividends for that month will be calculated using Premier Checking account APY. If you have chosen the ATM package for the Legacy and the Daily Balance on a Legacy Checking account falls below $10,000 for a given month, you may be charged ATM fees and not refunded foreign ATM fees. A $10 fee may be assessed if account balance falls below $10,000.

We do business in accordance with the Federal Fair Housing Law and Equal Opportunity Act. This credit union is federally insured by the NCUA.