PEORIA HIWAY CREDIT UNION
MEMBERSHIP ADVANTAGES



*PHCU PAYS VERY COMPETITIVE DIVIDENDS

*PHCU OFFERS COMPETITIVE LOAN RATES & GREAT LOAN SPECIALS

*PHCU OFFERS VEHICLE LOANS, SHARE SECURED LOANS, UNSECURED LOANS THAT ARE BOTH CLOSED AND OPENED ENDED, AND          TITLE SECURED LOANS ON RECREATIONAL VEHICLES

*PHCU OFFERS SHARE CERTIFICATE INVESTMENTS

*NO FEES FOR MOST SERVICES OFFERED, INCLUDING NOTARY PUBLIC

*ONLY $20.00 INITIAL SHARE DEPOSIT TO JOIN

*NADA VEHICLE APPRAISAL GUIDE INFORMATION IS AVAILABLE FOR ALL MEMBERS, WHETHER BUYING OR SELLING
        YOUR VEHICLE

*SIX FLAGS AND NOAH’S ARK TICKETS AVAILABLE AT GREATLY REDUCED COST

*GREATER PEORIA DINING TOUR COUPONS AVAILABLE EACH SEASON

*VISA TRAVELER’S CHECKS ARE AVAILABLE

*MEMBERS AND THEIR FAMILIES ARE ELIGIBLE TO APPLY FOR THE BUD KIMBLE SCHOLARSHIP AWARD EACH YEAR

*PAYROLL DEDUCTION AVAILABLE FOR IDOT EMPLOYEES TO DEPOSIT IN ANY SHARES, SAVINGS, OR CLUB ACCOUNTS AND MAKE           LOAN PAYMENTS

*NEWBORN ACCOUNT PROGRAM – THE CREDIT UNION DEPOSITS THE INITIAL $20.00 SHARE FOR THE NEW MEMBER

*PHCU OFFERS REGULAR SHARES, A TIERED RATE SAVINGS, A CHRISTMAS CLUB, AND A VACATION/TAX CLUB PAYING GREAT                 DIVIDEND RATES

*DESKTOP DELIVERY SERVICE TO THE BECKER BUILDING OFFICES  TWICE A WEEK

*SIXTH AND NINTH FLOOR DROP BOXES IN THE BECKER BUILDING FOR MEMBER CONVENIENCE

*AFTER HOURS DROP BOX AVAILABLE FOR EVENING PICK-UPS OR DROP-OFFS OF CHECKS, PAYMENTS,
        LOAN APPS, ETC.

*IMMEDIATE FAMILY MEMBERS ARE ELIGIBLE TO JOIN AS WELL (SPOUSE, CHILDREN, PARENTS, ETC.)

*MEMBERS ARE OWNERS OF THE CREDIT UNION

*PHCU IS A NOT-FOR-PROFIT FINANCIAL COOPERATIVE

*DIRECTORS ARE MEMBERS, VOTED IN BY THE MEMBERS AT THE ANNUAL MEETING