[{"contents":"I am a Realtor with Keller Williams and on the Board of the Children’s Museum of Skagit County. I have lived in the Skagit Valley since 2012, prior to that I lived in Snohomish County for 21 years where I raised my two kids, Stephen \u0026amp; Shelby. I worked at schools in Marysville and Conway and volunteered many hours for Little League. My hobbies are traveling, fishing, cooking, and spending time with my family and friends. I love living in the Pacific Northwest, it is a beautiful place to call home!","permalink":"/tracy-duncan/#tracy-duncan","title":"Tracy Duncan"},{"contents":"Darene Follett is a Certified Public Accountant (CPA) and is the current CEO of PSRFCU. She has a BA from WSU in Business Management with a focus in accounting and professional writing. She came to us with a strong background in management and audit \u0026amp; nonprofit accounting, working as a manager for Safeway for over 17 years and then public accounting as a Senior Auditor/Business Tax professional prior to starting at PSRFCU in 2015. She has lived in Anacortes for almost 12 years with her husband and two boys, and her family has lived on the south side of Whidbey for over 50 years. Her husband works as a boat builder in La Conner and they, as a family, are committed to helping the local community by volunteering and helping guide many local nonprofits within Skagit Valley where they sit on a number of boards. Darene is committed to helping our members with any financial questions they have, and making sure the credit union is fiscally responsible in their lending and savings practices. Since coming aboard we have seen many positive changes to the credit union and look forward to what the future holds! ","permalink":"/darene-follett/#darene-follett","title":"Darene Follett"},{"contents":"A lot of my childhood was spent between Colorado and Minnesota but I ended up in Anacortes in 2011. I graduated AHS in 2014 and have spent time after between colleges and different areas of work. I've worked in a lot of different industries since graduating like working on boats, the railroad, distribution warehouses, food and retail, but I'm glad to finally be in banking. I started for the CU 2024 and joined our board as of 2025. I enjoy spending time with my younger siblings and family, watching new movies and sports, gardening and being outside, and spending time with my cat Nellie. ","permalink":"/eli-white/#eli-white","title":"Eli White"},{"contents":"Meet our Board Members.","permalink":"/board-members/#board-members","title":"Board Members"},{"contents":"Tim grew up in Bakersfield, California until the age of 15 when he moved to Yuma, Arizona where he graduated from Kofa Highschool in May 2000. He joined the Navy in October 2000 as an Air Traffic Controller and retired from active duty in October 2024 as a Senior Chief Petty Officer. Tim currently works as a Refinery Accounting Analyst for HF Sinclair and resides in Oak Harbor. Tim has a Bachelor’s degree from Columbia College and is looking forward to pursuing a Master’s in Finance. Tim enjoys golf, finance, hiking/camping, and brewing beer. He also takes pleasure in spending time with his family consisting of his wife Kelly, two Labradors (Valentino and Nova), and daughter Lilly who is a Senior at Oak Harbor High School. Lilly will be attending University of Oregon in the fall of 2025. ","permalink":"/board-members/#tim-norman","title":"Tim Norman"},{"contents":"I have been on the PSRFCU Board of Directors for 8 years. I am currently the Board Secretary. I have been a member of the Credit Union for over 50 years, along with my parents, siblings, spouse (Doug), my children and grandchildren. I have lived in Anacortes my entire life, graduating from Anacortes High School. At this time, I am the President of the Salvation Army Board and an Advisor for the Kiwanis Aktion Club. We follow our daughter, Sonja, in running marathons and participating in Special Olympics. My passion is supporting people with disabilities on the job, at school and at home. I also work as a Destination Relocation Consultant for people who are new to the United States and/or our area. I love vacationing with Doug anywhere that is warm or on a cruise, and being with my adorable grandchildren Emma (11) and Liam (9). ","permalink":"/board-members/#donna-erlandson","title":"Donna Erlandson"},{"contents":"Branden has worked at the Puget Sound Refinery since 2016 and has been a member of the board since 2024. He was born in Hawaii but hopped around the states due to his dad being in the military until he moved to Skagit County 18 years ago. In his free time, Branden enjoys golfing, hiking, cooking, and going on vacation with wife. ","permalink":"/board-members/#branden-newcomer","title":"Branden Newcomer"},{"contents":"Dean Iverson was born and raised here in Anacortes, and currently lives just outside of town with his better half an 10 month old son. In his younger days he worked shutdowns a the local refineries, and now works as a journeyman electrician. In his off time he enjoys spending time with his little family, working in their garden, fishing and crabbing in our local waters, and listening to and playing music. He has been a member of the credit union since birth, and is looking forward to contributing to the organization. ","permalink":"/board-members/#dean-iverson","title":"Dean Iverson"},{"contents":"I started at PSRFCU in 2024 and joined the board 2025. I love spending time with family or my cat, being outdoors, playing games, watching new movies, and cooking. I grew up in Minnesota and Colorado, but moved to Washington in 2011 and graduated from Anacortes High School in 2014. I've spent time in distribution jobs like warehouses and shipping, but wanted to try something new and have found a great new home at PSRFCU. I plan to finish my AA degree with the bits of college I've completed up until now, and hopefully finish a four year degree as I look for ways to further myself in my education and use it to help the Credit Union! ","permalink":"/board-members/#eli-white","title":"Eli White"},{"contents":"Kim is a longtime resident of Anacortes and has dedicated the past 16 years to her work at the HF Sinclair Refinery. She takes great pride in serving her community as a volunteer board member for the Puget Sound Refinery Credit Union. Outside of her professional and volunteer roles, Kim enjoys expressing her creativity across a variety of mediums and values spending quality time traveling with friends and family.","permalink":"/board-members/#kim-mccarn","title":"Kim McCarn"},{"contents":"I grew up in the Yakima Valley and after high school attended JM Perry Technical Institute. I graduated with an Instrumentation Technology degree. I moved to the bay area in California for three years before moving to Skagit Valley. I went to work for Texaco in 1990 and joined the credit union board in 1997. I was the credit union Secretary until elected in 2005 to replace Bob Mainard as President when he retired. I currently live on 5 acres near Lyman with my wife Michelle, three border collies, two horses, and a cat. When not working around the property I enjoy working on cars and going drag racing. It has been very rewarding to see how the credit union has grown from a simple savings and lending institution to being able to provide most of the services of a large bank while retaining our personal family atmosphere. ","permalink":"/board-members/#larry-miner","title":"Larry Miner"},{"contents":"Terry has been a volunteer for about 2 years on the Supervisory Committee. He is currently employed by HF Sinclair as an Operator for the past 17 years. Terry is married to Sandy Skrabut and resides in Bow - East. They have two kids, TJ (27) and Morgan (22), who both currently live in Bellingham, Washington. To contact the Supervisory Committee please mail communication to: PSRFCU, Supervisory Committee PO Box 1923 Anacortes, WA 98221 ","permalink":"/board-members/#terry-skrabut","title":"Terry Skrabut"},{"contents":"Libby joined our Supervisory Committee in 2025 and has been a member of PSRFCU for decades. She has lived across the US and has experience working with mortgages. She also attended SW Missouri State University for college. ","permalink":"/board-members/#libby-giles","title":"Libby Giles"},{"contents":"Visit us at the credit union, we are located at 12275 Bartholomew Road. Puget Sound Refinery Federal Credit Union 12275 Bartholomew Road Anacortes, Washington 98221 Phone: 360-293-4862 Fax: 360-588-1032 Text: 360-610-7140 Email: info@psrfcu.org ","permalink":"/contact/#contact-us","title":"Contact Us"},{"contents":"Find online banking instructions and use our loan calculators.","permalink":"/resources/#resources-and-tools","title":"Resources and Tools"},{"contents":"You can now take a picture of a check, and remote deposit capture (RDC) on the app on your phone. Make sure you write on the back of the check 'For mobile deposit PSRFCU only' otherwise it may be rejected.","permalink":"/resources/#deposit-a-check-remotely","title":"Deposit a check remotely!"},{"contents":"Do you need your Monthly, Quarterly, or Year-end statements? You can now easily access them in your online account. If you have never done that before, here are some step-by-step instructions.","permalink":"/resources/#e-statements","title":"E-Statements"},{"contents":"PSRFCU Members have an option to skip one payment per loan. For step-by-step instructions click the button below. HELOC Loans are NOT eligible","permalink":"/resources/#skip-a-payment","title":"Skip a payment!"},{"contents":"Community transmission of Covid-19 is occurring in Skagit County. Now is the time to follow Health Officer Recommendations and protect our community. The credit union will remain OPEN, but we are limiting contact for the safety of our membership and employees. Need a check? Please call the office, (360) 293-4862, to make an appointment if you require an in-person meeting, or we can have your check ready to slip through our \u0026quot;drive thru\u0026quot; door slot. Need to make a deposit? You can easily do this using our App (log in and click “Move Money”, the remote capture option will guide you through. Requires an initial 24 hour approval before deposit of your first check) Click here for step by step instructions on using RDC. OR Fill out an envelope, supplied in the mailbox to the right of our door, and slip it through the mail slot. We can email or mail you a receipt. If you require a receipt immediately, call or text us at (360) 610-7140. (Please feel free to take the pen with you so we don’t spread germs!) You can sign up for online banking, apply for loans, request a check or transfer money online. We have updated our services to include secure online document signatures so you can sign your documents without leaving home. PSRFCU also offers banking by phone at 1-800-860-5704. When prompted enter the 3-digit PIN 948. You will be asked for your 4-digit account number and your personal PIN, which is defaulted to the last 4 numbers of your SSN. You will then be prompted to change your PIN, be sure to keep this handy for all of your banking sessions. Please use the links below and if you have any questions feel free to call or email us at info@psrfcu.org . Sign up online to access all of your account needs: Access your account HERE Apply for auto, personal or HELOC loans: Apply for a loan HERE Apply for a mortgage loan: Apply for a mortgage HERE Questions about our current account services: View current account services HERE Important updates regarding PSRFCU and our members: Find important updates HERE ","permalink":"/resources/#access-to-your-accounts-and-all-of-your-lending-needs-at-your-fingertips.","title":"Access to your accounts and all of your lending needs at your fingertips."},{"contents":"Estimate your monthly payment, total cost of mortgage and total interest paid.","permalink":"/resources/#mortgage-calculator","title":"Mortgage Calculator"},{"contents":"Estimate your monthly payment for an Auto Loan.","permalink":"/resources/#auto-loan-calculator","title":"Auto Loan Calculator"},{"contents":"Hours of Operation: Monday through Friday 9:00 AM to 5:00 PM After hours and weekends by appointment only. Closed 1:00 PM to 2:00 PM for lunch​ Holiday Schedule: Unless otherwise noted, the credit union will be closed on the following holidays: New Year’s Day President’s Day Good Friday Memorial Day Juneteenth Independence Day Labor Day Columbus Day Thanksgiving and the Friday after Christmas Eve (closing at noon) Christmas Day New Year’s Eve (close at noon) ","permalink":"/about/#puget-sound-refinery-fcu","title":"Puget Sound Refinery FCU"},{"contents":"On January 26, 1954, we received our charter as North Montana Texaco Employees Federal Credit Union. In 1958 our name was changed to Puget Sound Texaco Federal Credit Union. In June of 1988, Seattle Texaco Credit Union merged with our credit union. When Texaco merged with Equilon, the new credit union name became E. E. Federal Credit Union. In 2002, the refinery changed to Shell, and the credit union name had to change again. Puget Sound Refinery Federal Credit Union was chosen, hoping it wouldn’t have to be changed again. For all the changes in the history of our credit union, not a lot has changed. We are still “people helping people.” Our goal is to make sound loans to our membership while paying a reasonable dividend rate on their shares. Current HF Sinclair PSR employees; retired pensioners or annuitants, long-term contractors, All USW Local 12-591 members, and immediate family members of those listed, as well as spouses of persons who died while within the field of membership of this credit union, are eligible to join. Not for Profit, Not for Charity, But for Service. ","permalink":"/about/#credit-union-background","title":"Credit Union Background"},{"contents":"We have many services for you to choose from.","permalink":"/account-services/#account-services","title":"Account Services"},{"contents":"Puget Sound Refinery Federal Credit Union offers many deposit account options to help you save and plan for your future. All of our deposit accounts are Federally Insured by the NCUA up to $250,000.00, which means that your money is safe with us! SHARE (SAVINGS) ACCOUNT This is your membership, which has a $50.00 minimum balance requirement. You may deposit and withdraw at any time. You can also set up payroll deduction or direct deposit with your employer HF Sinclair, or any other financial institution. This is also an interest-bearing account with dividends posted quarterly, as determined by the Board of Directors. Call us today for information on how to set up automatic ACH deposits to your credit union account! Minors have a $5.00 minimum balance requirement for membership. You will need an image/copy of their birth certificate and Social Security card which can be uploaded online, emailed to info@psrfcu.org, or sent into the Credit Union to finalize the membership application. EARLY SUPER SAVERS ACCOUNT When a minor’s Super Saver account has a $500 deposit, we will pay 1.00% above the Prime Rate to get them off to a great start to be savers for life! This rate is tied to the current Prime Rate plus 1%. Talk to your kids about financial responsibility. We require at least a $500 deposit to open the Super Saver, and have a maximum limit on the this specific subaccount of $1000. Every dollar earned over $1000 will be transferred to the minor's regular Youth Share Savings. Call now for details. CHRISTMAS CLUB ACCOUNT Open a Christmas Club accounts with $25 and a $25 minimum reoccurring automatic deposit (ACH) to grow your account. Funds will gain 3.5% interest over the year and are accessible beginning November 1st through December 31st. Click on It’s Me 24/7 and go to New Accounts. Select “More Share Info” and then “Open” under Christmas Club, you’ll transfer $25 to open the account and then set up a reoccurring monthly deposit of at least $25 under the Pay \u0026amp; Transfer tab at the top of the page. You can also set up a direct deposit from your payroll. Ask us how. If you run into a need to draw from this account you can access the funds twice a year for a $10 fee each time. ","permalink":"/account-services/#deposit-account-details","title":"Deposit Account Details"},{"contents":"* Youth Super Saver accounts are limited to a $500 minimum and $1,000 maximum balance. These accounts earn Prime Rate + 1.00% up to the $1,000 maximum. All interest earned on funds over $1,000 will be at our Youth Share/Savings rate. If the account were to drop below $500, it would revert to the Youth Share account and rate. ** CD rate changes apply to new money. Ask us about our CD rates as they are always in motion. There is a 180-day interest earned early withdrawal penalty to close a CD prior to maturity. *** A $25.00 monthly transfer required from an outside financial institution.","permalink":"/account-services/#dividend-savings-rates","title":"Dividend \u0026 Savings Rates"},{"contents":"Enroll now at It’s Me 24/7, or stop by the Credit Union for help. https://obc.itsme247.com/948/ PSRFCU offers Online Banking to give you more access and control over your accounts 24 hours a day, 7 days a week. Manage your money from any Internet-enabled computer when it’s convenient for you. Online Banking allows you to: Check balances on your accounts Transfer funds between your accounts Remote Deposit Capture Access and search transaction history Print member savings and loan statements View pending transactions Review your PSRFCU loans – including Collateralized, Share Secured and Signature Export account information to use with other computer software Open additional accounts – PSRFCU members can open additional savings accounts online. Minors need an image of their birth certificate and Social Security card, and new members over 18 need a copy of their driver’s license or ID card. Request new loans by filling out an online loan application. You can even upload images of the title/registration of the 3rd party you are purchasing from and your most recent pay stub to complete the process And much more to come! Itunes and Google Apps are here! Login now to try our new fingerprint, voice recognition, and facial recognition access. In the app click the padlock icon to sign in to your account. To learn more about how to log in and use the mobile app there is a helpful video. ","permalink":"/account-services/#online-and-mobile-banking-details","title":"Online and Mobile Banking Details"},{"contents":"Along with savings and loan services, Puget Sound Refinery Federal Credit Union offers a number of other services to its members. These services are simply meant to help enhance your benefits as a member of the credit union and they are available to you either for free or at a discounted cost. Members can take advantage of the following additional services at no cost: Fax Notary Copies Take member’s checks to guard gate for pick-up Local bank deposits done same day if requested before 12:30pm Shredding services ","permalink":"/account-services/#additional-services","title":"Additional Services"},{"contents":"PSRFCU Fee ScheduleThere is a 180-day interest earned early withdrawal penalty to close a CD prior to maturity. International Fees are passed on to the member. Fees vary depending on location. * NSF returns will be paused until noon each day. If we receive the money to cover the NSF before noon it will not be returned, and there will not be a fee. ","permalink":"/account-services/#current-fees","title":"Current Fees"},{"contents":"Puget Sound Refinery Federal Credit Union offers a wide variety of loans at affordable rates. Are you looking to buy your first car, a new car or pickup? Any member having at least one share may apply. You can expect all of our lending services to come with the prompt and friendly service you deserve as a member of Puget Sound Refinery Federal Credit Union. We think our combination of outstanding service, great rates and convenience just can’t be beat! ","permalink":"/lending/#lending-services","title":"Lending Services"},{"contents":"You have been asking us to do home loans, and we have found a way to provide low cost home loans with excellent rates to you by partnering with Consolidated Community Credit Union. This means the loans will not be on our books, but you will be working with us through the 1st steps. Consolidated Community Credit Union current rates.","permalink":"/lending/#home-loans","title":"Home Loans"},{"contents":"We have begun offering Home Equity Lines of Credit (HELOC)! Our HELOCs will be in the house, offering you hassle-free, low fee options, that we think is worth taking advantage of. Please see more information about our HELOC Loan Rates below. To learn about our Subordination Agreement requirements, contact the office! ","permalink":"/lending/#heloc","title":"HELOC"},{"contents":"The Prime Rate was 7.00% as of 9/16/2026. All rates are APR and subject to change without notice.","permalink":"/lending/#heloc-loan-rates","title":"HELOC Loan Rates"},{"contents":"Rates shown for VPR (Variable Periodic Rate) are as published in the Wall Street Journal plus or minus margin. VPR is subject to change monthly. Check the current prime rate here. All loans are set up for a 15-year repayment at each draft like a LOC. You can set it up to have a minimum interest-only payment or payment and interest to pay off over 15 years. If interest only is chosen, at the end of 15 years it becomes a closed-end loan and you have 15 years to repay the total balance and interest. A minimum payment of $100.00/mo is required regardless of the amount drawn from the line of credit. Debt to income must be 45% or below. Over $90,000 requested is subject to board approval. Any first placed mortgages over $500,000 subject to other rates/restrictions/approvals. If any loans with PSRFCU are delinquent, withdrawal advances will be frozen until all accounts are current. Reconveyance fee is $450 (sometimes varies depending on which Title Company processes it; call for more info) of passthrough cost. Cost of application for HELOC is $750. Late Fee There will be a $25.00 late fee if the payment is received more than 15 days past the due date. ","permalink":"/lending/#heloc-terms","title":"HELOC Terms"},{"contents":"Our auto loans offer you hassle free, low fee options at great rates. Calculate your auto payment.","permalink":"/lending/#auto-loans","title":"Auto Loans"},{"contents":"Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60 month term that increases 0.50% for each year added with the exception of the A++ tier.","permalink":"/lending/#auto-loan-rates","title":"Auto Loan Rates"},{"contents":"ALL RATES ARE DETERMINED BY YOUR CREDIT SCORE From 2.75%-18.00% Members receive 0.50% off rates when paying by payroll deduction. You can receive a 0.25% rate reduction for paying by ACH or automatic transfer. The maximum amount financed will be 95% of the purchase price, not to exceed 95% of the JD Power High Book Value. A tiered credit can finance 100% of the purchase of a vehicle. A+ tiered credit can finance 100%+++ (tax, licensing, fees up to 120% of JD Power). Add 0.50% for each year over 60 months. Add 0.50% if over 100,000 miles or aged over 10 years. A++ tier begins to increase at 60 months @ 0.25% up to 84 months, and then 0.50% after 84 months. Down Payment Requirements Persons with a “D” credit rating may either be required to pay a $500 Member Assist Auto Program (MAAP) fee or be required to have a co-signer or be required to do both. Insurance Proof of full coverage insurance is required on all collateral loans (comprehensive and collision). Late Fee A late fee of $25.00 will be assessed if your payment is received more than 15 days past the due date. We offer: GAP Insurance, Mechanical Breakdown Protection ","permalink":"/lending/#auto-loan-terms","title":"Auto Loan Terms"},{"contents":"Take out a Signature or Share Secured loan to cover medical expenses, vacation, holidays, etc. Signature loans up to $10,000. Share Secured loans do not have a set maximum. ","permalink":"/lending/#personal-loans","title":"Personal Loans"},{"contents":"Rates shown are floor rates with payroll direct deposit requirement. Starting at a 60-month term that increases 0.50% for each year added except for the A++ tier.Share Secured loan rate is 4.0% above the current dividend rate with automatic payment. Click below to get a fillable PDF application and then use the Upload feature through this site to send it to us. Shared Secured Loan Application ","permalink":"/lending/#personal-loan-rates","title":"Personal Loan Rates"},{"contents":"We are now proudly partnering with LSC, a Credit Union Service Organization (CUSO), to offer you an opportunity to apply for a VISA Credit Card! When filling out the application, you must ensure to use the drop down to click on our name, Puget Sound Refinery FCU.","permalink":"/lending/#credit-card","title":"Credit Card"},{"contents":"Find out who is eligible to be a PSRFCU member, and check out our member benefits, including many Love My Credit Union discounts.","permalink":"/membership/#membership-and-services","title":"Membership and Services"},{"contents":"Current HF Sinclair PSR Employees, Retired Pensioners or Annuitants, Long-term Contractors, USW Local 12-591 members, and Immediate Family Members of those listed, as well as Spouses of persons who died while within the field of membership of this credit union, are eligible to join. Click HERE to join! Click below to get started! When you log in to \u0026quot;It's Me 24/7\u0026quot; for the first time your default log-in will be your 4 digit account number and your password is the last 4 digits of your social security number and your 4 digit birth year (eg. 55551975). To complete your membership, we will need a copy of your ID, your signature card signed, and $50. For minors to join we need a copy of their social security card and birth certificate, and $5. They will need a joint member over 18 years of age. Members must make at least one transaction in every 18 month period or they are considered dormant. Being dormant is having no contact with the credit union or response to our attempts to contact you, we will begin to charge the account a $5.00 per month dormant fee until by law the account is sent to the state for escheatment purposes after three years, or there are no longer funds available. At this point, the account will be closed on the member’s behalf. New Member Incentive! You can earn $25 for every eligible new member you bring us! Bring in a new member who obtains a collateralized loan through us within 30 days, and you both be eligible to receive $50 deposited into your Share savings account! Ask us how today! ","permalink":"/membership/","title":"Membership and Services"},{"contents":" Rewards Program PSRFCU participates in the Love My Credit Union Rewards Program. Visit our link to their page to see all currently available offers and discounts. Vacation Packages Disney Discounts! ","permalink":"/membership/","title":"Membership and Services"},{"contents":"Puget Sound Refinery FCU collects nonpublic personal information about you from the following sources: Information we receive from you on applications or other forms; Information about your transactions with us or others; and Information we receive from a consumer reporting agency. We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law. Puget Sound Refinery FCU restricts access to your personal and account information to those employees and volunteers who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. ","permalink":"/disclosures/#privacy-policy","title":"Privacy Policy"},{"contents":"The Puget Sound Refinery Federal Credit Union Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Puget Sound Refinery Federal Credit Union Web Site constitutes your agreement to all such terms, conditions, and notices. Modification of these terms of use Puget Sound Refinery Federal Credit Union reserves the right to change the terms, conditions, and notices under which the Puget Sound Refinery Federal Credit Union Site/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the Puget Sound Refinery Federal Credit Union Site/Services constitutes your agreement to all such terms, conditions, and notices. Personal and non-commercial use limitation Unless otherwise specified, the Puget Sound Refinery Federal Credit Union Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Puget Sound Refinery Federal Credit Union site. Links to third party sites The Puget Sound Refinery Federal Credit Union Site/Services may contain links to third party Web sites (“Linked Sites”). The Linked Sites are not under the control of Puget Sound Refinery Federal Credit Union and Puget Sound Refinery Federal Credit Union is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Puget Sound Refinery Federal Credit Union is not responsible for web-casting or any other form of transmission received from any Linked Site nor is Puget Sound Refinery Federal Credit Union responsible if the Linked Site is not working appropriately. Puget Sound Refinery Federal Credit Union is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Puget Sound Refinery Federal Credit Union of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the Puget Sound Refinery Federal Credit Union Site/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Puget Sound Refinery Federal Credit Union shall not be responsible or liable for any part of any such dealings or promotions. No unlawful or prohibited use As a condition of your use of the Puget Sound Refinery Federal Credit Union Site/Services, you will not use the Puget Sound Refinery Federal Credit Union Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Puget Sound Refinery Federal Credit Union Site/Services in any manner which could damage, disable, overburden, or impair any of the Puget Sound Refinery Federal Credit Union Site/Service(s) (or the network(s) connected to any Puget Sound Refinery Federal Credit Union Site/Service(s)) or interfere with any other party’s use and enjoyment of any Puget Sound Refinery Federal Credit Union Site/Service(s). You may not attempt to gain unauthorized access to any Puget Sound Refinery Federal Credit Union Site/Service, other accounts, computer systems or networks connected to any Puget Sound Refinery Federal Credit Union Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Puget Sound Refinery Federal Credit Union Sites/Services. Materials provided to Puget Sound Refinery Federal Credit Union Puget Sound Refinery Federal Credit Union does not claim ownership of the materials you provide to Puget Sound Refinery Federal Credit Union (including feedback and suggestions) or post, upload, input or submit to any Puget Sound Refinery Federal Credit Union Site/Service or its associated services for review by the general public (each a “Submission” and collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Puget Sound Refinery Federal Credit Union, its affiliated companies and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission. No compensation will be paid with respect to the use of your Submission, as provided herein. Puget Sound Refinery Federal Credit Union is under no obligation to post or use any Submission you may provide and Puget Sound Refinery Federal Credit Union may remove any Submission at any time in its sole discretion. By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions. Software \u0026amp; content available through the Puget Sound Refinery Federal Credit Union Web Site All content and software (if any) that is made available to view and/or download in connection with the Puget Sound Refinery Federal Credit Union Site/Services is owned by and is the copyrighted work of Puget Sound Refinery Federal Credit Union and/or its suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software (“License Agreement”). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. For any Software not accompanied by a license agreement, Puget Sound Refinery Federal Credit Union hereby grants to you, the user, a revocable personal, non-transferable license to use the Software for viewing and otherwise using the particular Puget Sound Refinery Federal Credit Union Site/Service in accordance with these Terms of Use, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Any reproduction or redistribution of the content and/or Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE CONTENT OR SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. You acknowledge that the Software, and any accompanying documentation and/or technical information, is subject to applicable export control laws and regulations of the USA. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to USA export restrictions. Liability Disclaimer The information, software, products, and services included in or available through the Puget Sound Refinery Federal Credit Union site/services may include inaccuracies or typographical errors. Changes are periodically made to the Puget Sound Refinery Federal Credit Union site/services and to the information therein. Puget Sound Refinery Federal Credit Union and/or its respective suppliers may make improvements and/or changes in the Puget Sound Refinery Federal Credit Union site/services at any time. Advice received via the Puget Sound Refinery Federal Credit Union site/services should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice tailored to your situation. Puget Sound Refinery Federal Credit Union and/or its respective suppliers make no representations about the suitability, reliability, availability, timeliness, lack of viruses or other harmful components and accuracy of the information, software, products, services and related graphics contained within the Puget Sound Refinery Federal Credit Union site/services for any purpose. All such information, software, products, services and related graphics are provided “as is” without warranty of any kind. Puget Sound Refinery Federal Credit Union and/or its respective suppliers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, workmanlike effort, title and non-infringement. You specifically agree that Puget Sound Refinery Federal Credit Union shall not be responsible for unauthorized access to or alteration of your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through a Puget Sound Refinery Federal Credit Union site/service. You specifically agree that Puget Sound Refinery Federal Credit Union is not responsible or liable for any threatening, defamatory, obscene, offensive, or illegal content or conduct of any other party or any infringement of another’s rights, including intellectual property rights. You specifically agree that Puget Sound Refinery Federal Credit Union is not responsible for any content sent using and/or included in a Puget Sound Refinery Federal Credit Union site/service by any third party. In no event shall Puget Sound Refinery Federal Credit Union and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Puget Sound Refinery Federal Credit Union site/services, with the delay or inability to use the Puget Sound Refinery Federal Credit Union site/services or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through the Puget Sound Refinery Federal Credit Union site/services, or otherwise arising out of the use of the Puget Sound Refinery Federal Credit Union site/services, whether based on contract, tort, negligence, strict liability or otherwise, even if states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are Dissatisfied with any portion of the Puget Sound Refinery Federal Credit Union site/services, or with any of these terms of use, your sole and exclusive remedy is to discontinue using the Puget Sound Refinery Federal Credit Union site/services. Termination / Access Restriction Puget Sound Refinery Federal Credit Union reserves the right, in its sole discretion, to terminate your access to Puget Sound Refinery Federal Credit Union Site/Services inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Puget Sound Refinery Federal Credit Union. The amount of time that Puget Sound Refinery Federal Credit Union currently considers as an “extended” period of time may be viewed in the FAQ relating to the particular service. Upon termination of the Puget Sound Refinery Federal Credit Union Site/Service, your right to use the Puget Sound Refinery Federal Credit Union Site/Service immediately ceases. Puget Sound Refinery Federal Credit Union shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party. Language It is the express will of the parties that this agreement and all related documents have been drawn up in English. C’est la volont é expresse des parties que la présente convention ainsi que les documents qui s’y rattachent soient rédigés en anglais. General This agreement is governed by the laws of the State of Washington, U.S.A. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Washington, U.S.A. in all disputes arising out of or relating to the use of the Puget Sound Refinery Federal Credit Union Site/Services. Use of the Puget Sound Refinery Federal Credit Union Site/Services is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Puget Sound Refinery Federal Credit Union as a result of this agreement or use of the Puget Sound Refinery Federal Credit Union Site/Services. You agree to indemnify and hold Puget Sound Refinery Federal Credit Union its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including reasonable attorneys’ fees, asserted by any third party due to or arising out of your use of or conduct on the Puget Sound Refinery Federal Credit Union Site/Services. Puget Sound Refinery Federal Credit Union reserves the right to disclose any personal information about you or your use of Puget Sound Refinery Federal Credit Union Site/Services, including its contents, without your prior permission if Puget Sound Refinery Federal Credit Union has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of Puget Sound Refinery Federal Credit Union or its affiliated companies; (3) enforce the terms or use; or (4) act to protect the interests of its members or others. Puget Sound Refinery Federal Credit Union performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Puget Sound Refinery Federal Credit Union’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Puget Sound Refinery Federal Credit Union Site/Services or information provided to or gathered by Puget Sound Refinery Federal Credit Union with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Puget Sound Refinery Federal Credit Union with respect to the Puget Sound Refinery Federal Credit Union Site/Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Puget Sound Refinery Federal Credit Union with respect to the Puget Sound Refinery Federal Credit Union Site/Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Any rights not expressly granted herein are reserved. ","permalink":"/disclosures/#terms-of-use","title":"Terms of Use"},{"contents":"The following information describes the types of electronic funds transfers which are available to members through Online Banking/Internet Access and your rights and responsibilities concerning those transactions, including your rights under the Electronic Funds Transfer Act. You may want to print or save this document for future reference. Please read this document carefully. Some of the information may not pertain to you. Electronic Funds Transfer An Electronic Funds Transfer (EFT) is any transaction involving funds initiated through an electronic terminal, telephone line, computer or magnetic tape authorizing the credit union to debit or credit your account. Types Of Electronic Fund Transfers Available With your Password and access to the World Wide Web you may make the following transactions at any time 24 hours per day: balance inquiries, account and loan history inquiries, check clearing inquiries, transfer from one of your accounts to another one of your accounts (under the same member number), loan payments to your loans. Other available services through Online Banking include The ability to download history files to be used to import files in Quicken or MS Money. Limits on Withdrawals or Transfers Limitations on the frequency and dollar amounts of transactions made to and from your account(s) are: Withdrawals and transfers from an account are limited to the available funds in the account. Regulation D, at the discretion of the credit union, requires that no more than three (3) preauthorized automatic, telephone, internet transfers or withdrawal may be made from your savings accounts during any one quarter without charge. Online Banking does not permit withdrawals or transfers to or from Individual Retirement Accounts, Money Market Accounts, or Escrow Accounts. Mortgage loan payments must be equal to or greater than the scheduled payment amount. Consumer Liability For Unauthorized Transfers CONTACT US AT ONCE if you believe your access device (password) has been lost or stolen. Telephoning is the best way to control your loss. Notice of unauthorized use must be confirmed in writing. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your access device without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your access device, and we can prove we could have stopped someone from using your access device without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason kept you from telling us, we may extend the time periods. TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN THE EVENT OF A LOSS OR AN UNAUTHORIZED TRANSFER, ERRORS OR QUESTIONS ABOUT YOUR EFT TRANSACTIONS: 12275 Bartholomew Rd Anacortes, WA 98221 Phone: (360) 293-4862 We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You must provide us with the following: Your name and account number Description of the error you are unsure about, and why you believe it is an error or why you need more information The dollar amount of the suspected error If you tell us verbally, we will require that you send us your complaint in writing within ten (10) business days or we may not credit your account. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete the investigation. If the alleged error pertains to a point of sale or a transaction initiated outside of the United States or Puerto Rico, the forty-five (45) calendar days become 90 calendar days. If the alleged error occurs within the first 30 days of the opening and depositing to a new account the 10 business days become 20 and the 45 calendar days become 90. If we decide there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in the investigation. Business Days Our business days are Monday-Friday. Holidays are not included. If the end of a calendar month falls on a Saturday or Sunday, the Credit Union will “close its books” for that MONTH after the last business day but before the actual last day of the MONTH. Deposits, withdrawals or transfers made using your VISA® ATM Check Card or Online Banking after the books are closed will be treated for dividend calculation purposes as if they occurred the first day of the next month and will be reported on the statement applicable to the next month. Charges There are no monthly charges to maintain your Online Banking Access with a Puget Sound Refinery Federal Credit Union checking account. Preauthorized Payments The Credit Union will charge your account if it must dishonor a preauthorized transfer from your account due to insufficient funds or if a stop payment order is received. See fee schedule. Disclosure Of Account Information To Third Parties Information about your account is confidential. We will not disclose such information to third parties except where necessary to complete a transfer, to report or confirm the condition of your account for a credit bureau, or in order to comply with a government agency, or court order or if you give us your written permission. ","permalink":"/disclosures/#home-banking-disclosure","title":"Home Banking Disclosure"},{"contents":"Our site contains hyperlinks to other web sites operated by third parties. These links will take you away from our site. Please note that Puget Sound Refinery Federal Credit Union does not guarantee the accuracy or completeness of any information presented on these sites nor does Puget Sound Refinery Federal Credit Union represent either the third party or our member if the two enter into a transaction. The third party’s privacy and security policies may differ from those practiced by the credit union. We encourage our members to know when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. Our Privacy Statement applies solely to information collected by the Puget Sound Refinery Federal Credit Union Website. ","permalink":"/disclosures/#third-party-links-disclosure","title":"Third Party Links Disclosure"},{"contents":"Accessibility Statement Updated: July 2019. General Puget Sound Refinery Federal Credit Union (PSRFCU) strives to ensure that its services are accessible to people with disabilities. PSRFCU has invested a significant amount of resources to help ensure that its website is made easier to use and more accessible for people with disabilities, with the strong belief that every person has the right to live with dignity, equality, comfort, and independence. Accessibility on PSRFCU.org PSRFCU makes available the UserWay Website Accessibility Widget that is powered by a dedicated accessibility server. The software allows PSRFCU to improve its compliance with the Web Content Accessibility Guidelines (WCAG 2.1). Enabling the Accessibility Menu The accessibility menu can be enabled by clicking the accessibility menu icon that appears on the bottom left corner of the page. After triggering the accessibility menu, please wait a moment for the accessibility menu to load in its entirety. Disclaimer PSRFCU continues its efforts to constantly improve the accessibility of its site and services in the belief that it is our collective moral obligation to allow seamless, accessible, and unhindered use also for those of us with disabilities. Despite our efforts to make all pages and content on psrfcu.org fully accessible, some content may not have yet been fully adapted to the strictest accessibility standards. This may be a result of not having found or identified the most appropriate technological solution. Here For You If you are experiencing difficulty with any content on psrfcu.org or require assistance with any part of our site, please contact us during normal business hours as detailed below and we will be happy to assist. Contact Us If you wish to report an accessibility issue, have any questions, or need assistance, please contact PSRFCU Customer Support as follows: Call: 360-293-4862 | Text: 360-610-7140 Email: info@psrfcu.org ","permalink":"/disclosures/#accessibility","title":"Accessibility "}]