DEBIT AND CREDIT CARD SCAM ALERT!!!!!!!!!!!!!!!!!!!!!!!!

We have been informed by several members that they are receiving text alerts.  The text state “Credit Union Alert – call 901-290-0593”.  The texts were sent from the following two numbers:  844-334-1116 and 844-325-8295.  We are informing all members and even the public that this is a SCAM.   The 901-290-0593 was called and it was an automated system answering this way; “Hello! Thank you for calling our 24 hour Security Department.  To reactivate your card please press 1.  After pressing 1, the system asks for the 16 digit credit or debit card number. 

DO NOT CALL THIS NUMBER AND GIVE THEM YOUR CARD INFORMATION!!!!!!!!

No financial institution will call you and ask you to give them your 16 digit card number.  WE HAVE YOUR CARD NUMBER.  WE WILL CALL YOU PERSONALLY!!!!!!  Do not give out any of your personal information over the phone.  If you are reading this and you are our member, call us.  You know we can help you.  If you use another financial institution, call them and verify if they are trying to reach you before you enter any information via phone, internet or email. 

WENDY’S DATA BREACH

If you have any questions or would like more information regarding the Wendy’s breach, the CEO Todd Penegor has provided a toll free number (866-779-0485) for customers to call.  The number is available from 8:00 am to 5:30 pm CST Monday through Friday excluding major holidays.   They will provide information regarding accessing the fraud consultation and identity restoration services.  Wendy’s is offering one year of complimentary fraud consultation and identity restoration services to all customers who used a payment card at any potentially impacted franchisee locations during the affected dates for both malware variants.

 

A list of potentially affected restaurants, and relevant timeframes for each location can be found at:  https://payment.wendys.com/paymentcardcheck.html.  For instructions on how to access your complimentary year of fraud consultation and identity restoration services call the toll free number (866-779-0485)  during the hours preciously noted. 

 

Pin numbers were not compromised in this incident because Wendy’s does not collect that information. 

 

A document explaining the entire statement issued by  The Wendy’s Company is available at the credit union office if you would like to have one or at:  https://www.wendys.com/en-us/about-wendys/the-wendys-company-updates

Effective Immediately: Windows 7 Needed for Online Banking

IF YOU ARE USING AN OLDER OPERATING SYSTEM SUCH AS WINDOWS XP AND/OR VISTA, YOU WILL NOT BE ABLE TO ACCESS YOUR ONLINE BANKING FROM YOUR HOME COMPUTER,  PC AND/OR LAPTOP.  THE OPERATING SYSTEM MUST BE WINDOWS 7 OR HIGHER.  WE CAN SUSPEND YOUR ONLINE BANKING UNTIL YOU UPGRADE YOUR DEVICES AND MAIL YOU STATEMENTS.  WHEN YOU HAVE UPGRADED, CONTACT US AND WE WILL RE-ACTIVATE YOUR ACCOUNT.  WE APOLOGY FOR ANY INCONVENIENCE, BUT WINDOWS XP AND/OR VISTA DO NOT SUPPORT THE SECURITY WE FEEL IS NECESSARY TO KEEP YOUR INFORMATION SAFE.    IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO CONTACT THE OFFICE.

Home Loan Rates

LOOKING FOR A NEW HOME OR WANTING TO REFINANCE THE OLD HOME?

WE HAVE A RATE FOR YOU AND A $50.00 CREDIT TOWARDS YOUR CLOSING COSTS!!!!

 

RATES

10 YEARS – 120 MONTHS 3.15%

Example – $97.25 per $10,000 of financed amount – approx. put for $50,000 = $486.25 per month

15 YEARS – 180 MONTHS 3.25%

Example – $70.27 per $10,000 of financed amount – approx. put for $50,000 = $351.35 per month

20 YEARS – 240 MONTHS 3.50%

Example – $58.00 per $10,000 of financed amount – approx. put for $50,000 = $290.00 per month

30 YEARS – 360 MONTHS 3.75%

Example – $46.31 per $10,000 of financed amount – approx. put for $50,000 = $213.55 per month

Give us a call for complete information on a first mortgage. We will answer all your questions. Application for mortgage loans is by appointment only.

Sallie Smart Option

SallieMaetile

MORE OPTIONS / MORE FLEXIBILITY

When scholarships, grants, and federal loans aren’t enough, consider a responsible private loan. The Sallie Mae Smart Option Student Loan Program gives you the flexibility of three (3) repayment options so you can choose the bests option for you. 

By making the scheduled monthly payments on time you will establish a payment history, putting you on a path toward building a credit history and a brighter financial future. 

Some of the key features are:

  • A choice of competitive rates for undergraduate students
  • Lower rates for graduate students
  • No origination fees and no prepayment penalties
  • Lower interest rate
  • A quick credit result
  • Smart Reward 2% cash back
  • Death and disability loan forgiveness

For full details call or stop into the office.  We have brochures that explain the program or you can click on the link above and get started today.

Debit and Credit Card Emergency Numbers

If for any reason you may need to restrict your debit card because you lost it or you wish to block it permanently because you lost it or think someone else may be using it and the office is not open, please call or text this number:

new number coming soon!   Call the office and leave a message if after hours – 304-748-6622

 If for any reason you may need to restrict your credit card because you lost it or you wish to block it permanently because you lost it or think someone else may be using it and the office is not open, please call this number

800-808-7230 

 

Attention: Mobile Device Spamming

MESSAGES ARE BEING PUSHED TO MEMBERS DEVICES FROM UNKNOWN SOURCES REGARDING DEBIT AND/OR CREDIT CARDS BEING DEACTIVATED. AT NO TIME WILL THIS CREDIT UNION OR ANY OF ITS AFFILIATES CONTACT YOU VIA A MOBILE DEVICE. LOCAL CREDIT UNION PERSONNEL WILL CONTACT YOU BY PHONE IF THERE SHOULD BE A PROBLEM WITH YOUR CARDS. DO NOT GIVE OUT ANY OF YOUR PERSONAL INFORMATION .

  • NON SUFFICIENT FUNDS FEES NOW $25.00
  • STOP PAYMENT FEES ON CHECKS NOW $20.00
  • REPLACEMENT CARD FEE NOW $10.00
  • PHOTO COPIES OF CHECKS $3.00