Summer Edition - First Choice Community Credit Union, Inc.

First Choice Community Credit Union
Summer 2016
Congratulations Scholarship Winners!
804 Warren Ave.
Niles, OH 44446
Phone: 330-652-3887
Toll Free: 1-855-734-6624
Fax: 330-652-2681
Our office hours are:
Monday: 7 AM - 4:30 PM
Tuesday: 9 AM - 4:30 PM
Wednesday: 6 AM - 4:30 PM
Thursday: 7 AM - 4:30 PM
Friday: 7 AM - 4:30 PM
www.fcccu.com
First Choice Community Credit Union is open to
anyone who lives, works, worships, or attends
school in Niles, Lordstown, Weathersfield, Girard,
Howland, Cortland, or Champion.
NOTICE
First Choice Community Credit
Union, Inc. and our customers
have enjoyed a long and beneficial
association with manager, Marc
Mucroski. While unexpected First
Choice and Marc Mucroski in the
best interest of each, are going their
separate ways. Mr. Mucroski is no
longer the manager of the Credit
Union. First Choice would like to
thank Mr. Mucroski for his many
years of service to the Credit Union,
our customers and the community
and to wish him and his family the
best as they move forward.
First Choice Community CU is proud to announce our 2016 Becky
Bowden Memorial Community Service Scholarship winners! We are so
impressed with the pool of applicants for this annual recognition, which
is named in memory of Becky Bowden, a long-time employee of FCCCU
who died in 2004. Each graduating high school senior who applied
provided a list of their community service and extracurricular activities,
then submitted an essay explaining why volunteer work within the
community is important to them and how they think they made a
difference by volunteering.
Congratulations winners:
•Morgan Cashell from Howland High School
•Julia D’Amico from Lordstown High School
•Kaitlin Julian from Niles McKinley High School
•Samantha Lashley from Niles McKinley High School
We wish these students the best of luck as they pursue their dreams!
Summer Loan Special
$1,200 • 12 months • 12.00% APR*
Call today!
*Annual Percentage Rate. A sample monthly payment for a loan of $1,200 at 12.00% APR for 12 months would be
approximately $106.60. Payment sample does not include Credit Life & Disability Insurance, which is available at
a minimal cost to the member. All rates and promotions are subject to change without notice. Credit loan rates are
determined by personal credit score.
Knowledge is Power with Car Loan Pre-Approval
If you’re in the market for a new or used car, arm yourself with an
FCCCU Loan Pre-Approval before you
shop! A pre-approved loan means you
know the interest rate, the term, and
the monthly payment. So instead of
worrying about getting a good, honest
deal or how you’ll finance your wheels,
you can choose the right vehicle.
Pre-approval saves you peace of mind
because you know you’re getting a
good deal! Apply today!
www.fcccu.com
Summer 2016
Are You a
Victim of
Identity Theft?
Christmas
in July
6 Action Steps to Take NOW!
“I didn’t think it could happen to me.” Have you been a victim
of identity theft? While you often hear how to prevent identity
crimes, if it DOES happen to you, here are the major steps you
should take to help stop continued theft and hopefully prevent
it in the future.
1. Place an Initial Fraud Alert with the three credit reporting
agencies: Equifax 800-525-6285, Experian 888-397-3742, and
TransUnion 800-680-7289. Consider requesting a credit freeze.
2. Obtain a new drivers license, but request a new number. Don’t
just get your old license reissued with the same number.
3. Contact your credit card debtors and let them know what has
happened so they can cancel your card and reissue a new card.
4. Contact your financial institution (where you have your
checking account and debit card) to notify them.
5. File a police report about the identity theft, and get a copy of
the police report and the report number.
6. Document the situation to the best of your knowledge
including what happened, when you noticed it, what you did.
It’s not too late to open a
Christmas Club to have a
little cash for the holidays!
With as little as $10 or $20
per pay period, your
Christmas Club can add up!
Call today to open yours!
Visit www.identitytheft.gov
for the most up-to-date information.
Truly FREE Credit Reports
Several advertisers claim to offer “free” credit reports. The only
legitimate website authorized to provide a free credit report is
www.AnnualCreditReport.com, created by Equifax, Experian
and TransUnion, the three nationwide credit scoring agencies.
The site is ad-free, won’t re-direct you
elsewhere and won’t send you a request for
personal information. You’re entitled to one
free credit report a year from each
of the three credit reporting
agencies listed above. If you
questions about getting your
free credit report online,
please call us!
Holiday
Closings
Labor Day
Monday, September 5
Columbus Day
Monday, October 10