Member Matters - Tucoemas Federal Credit Union
Transcription
Member Matters - Tucoemas Federal Credit Union
M Mailing Address Third Quarter 2012 FOR ALL BRANCHES P.O. Box 5011 Visalia, CA 93278-5011 To ensure your payments, deposits, and other correspondence are received by the credit union on time, please use the mailing address above. Correspondence addressed to a physical branch location (street address) may be returned to you by the post office. Member Matters HELPING HANDS A newsletter for every stage of your financial life. VISALIA With the fall and winter seasons fast approaching, persons experiencing hair loss from chemotherapy or other medical conditions are in need of hats to keep warm. TUCOEMAS Federal Credit Union is proud to sponsor the annual “Hats for Hope” Open House - where the community is invited to come together to make one-of-a-kind hats that are comfortable, unique, and celebrate life. We invite you to join us during Breast Cancer Awareness Month as we acknowledge, honor, and show respect for those facing a particularly challenging time. 5222 W. Cypress Ave. Visalia, CA 93277 (559) 732-8892 KNITTING / CROCHETING OPEN HOUSE Saturday - October 6th, 2012 8:00AM - 2:00PM EVENT LOCATION LOCATIONS 2300 W. Whitendale Ave. Visalia, CA 93277 (559) 732-8892 PORTERVILLE TUCOEMAS Federal Credit Union 2300 West Whitendale Avenue, Visalia, CA 93277 1389 W. Henderson Ave. Porterville, CA 93257 (559) 784-8892 Have the knack for knitting/crocheting? All experience levels are welcome! Stop by our Whitendale Branch on October 6th, 2012 to donate your talent and time for a great cause. We encourage participants to bring their own looms, needles, and yarn. A limited amount of yarn and looms will be provided at the event, along with light refreshments. All “Hats for Hope” hats and blankets will be donated to the American Cancer Society, Sequoia Regional Cancer Center, Bryson Cancer Treatment Center, Sierra View Hospital, Tulare and other local cancer treatment centers and charities to benefit those in need. We appreciate your support of this important cause. TULARE 1233 E. Prosperity Ave. Tulare, CA 93274 (559) 685-8892 OFFICE HOURS Mon - Thurs 9:00 AM - 5:30 PM Friday 9:00 AM - 6:00 PM Whitendale Drive-Up: Mon - Fri 8:30 AM - 6:00 PM PHONE NUMBERS TELLERPHONE Visalia / Tulare: (559) 737-5722 Porterville: (559) 781-8643 HOW YOU CAN HELP • • • • • • Make a Hat (all sizes are needed - child, adult, male, & female) Donate a Hat (all sizes are needed - child, adult, male, & female) Donate Hat Making Supplies (Yarn, looms, & needles) Lap Robes are also needed (3 x 5 lap blanket) Not able to attend the event? Drop off your knitted hats, blankets or donations to any of our branches. Cash/Check donations to the American Cancer Society. For more information and to reserve your spot, call Sandy Collins at (559) 737-5920 LOAN RATES Fall Home Expo - September 22nd & 23rd (559) 737-5740 CERTIFICATE RATES (559) 737-5718 TUCOEMAS members are invited to this year’s fall DEFERRED COMP. RATES home show to see the latest ideas in home decorating (559) 737-5719 and remodeling. Whether you’re in the market for a VISA DIRECT new home, or want to remodel your existing space, (559) 737-5746 AMUSEMENT PARK TICKET INFO TUCOEMAS has a loan program that’s right for you. (559) 737-5774 Visit our booth at the Visalia Home Expo scheduled for September 22nd & 23rd at the Visalia Convention Center. ONLINE Complimentary VIP tickets will be distributed with member statements in early September and additional tickets will be www.tucoemas.org EMAIL HOLIDAYS [email protected] OFFICES CLOSED IN THIS ISSUE Rates as low as 1.99%* Exclusive offer for members! Credit vs. Debit Identity Theft Scam Smishing - Text Messages Keeping Important Documents Safe Safe Deposit Box Car Buying Toolkit Rates as low as THE GREATEST APR* SUMMER Make no payments for 90 days!* SALE! Car buying made easier Protecting Your Vehicle Mechanical Breakdown Insurance Bulletin Board Notice of Annual IRA/ESA Admin. Fee Funds Availability Policy Credit Card Disclosure Amusement Park Tickets Same money on your vacation Hats for Hope Join us October 6th, 2012 The Visalia Home Expo will also host the fun and exciting Kids’ Cook-Off on Saturday, September 22nd. Children ages 6-14 Home Loan Needs Kids’ Cook-Off Competition com until the September 9th deadline. All submissions will then go to the Institute of Technology’s Culinary Academy % 1.99 Summer Auto Loan Special Fall Home Expo - September 2012 Two of Tulare County’s best, TUCOEMAS Federal Credit Union and the Groppetti Automotive Family, have teamed up for low rates and special offers just for you! Save green in more ways than one! With high gas prices and the poor air quality in the valley, it makes sense to purchase an environmentally friendly vehicle. Not only will you save money on gas, you will be helping clean up the valley air! It gets even better - you will receive special rates as low as 1.99% APR* rate when you purchase a hybrid vehicle, Nissan Leaf or a vehicle with 33+ mpg highway or higher. Purchase a new or used vehicle by July 9th, 2012 and you will receive an exceptionally low interest rate and have the option to make no payments for 90 days!* TUCOEMAS Members: Receive one additional year of complimentary scheduled maintenance1! This offer is only valid with the submission of this coupon to a Groppetti Automotive Family Dealership prior to the execution of the Purchase Contract. One extra year per vehicle purchased. Valid only on new vehicles purchased at a Groppetti Automotive Family Dealership and financed with TUCOEMAS Federal Credit Union; Offer expires July 9th, 2012. where the staff will select five finalists in two age groups (6-10 and 11-14). Be sure to visit our booth for current home loan rates or contact our Real Estate Department at (559) 737-5780. LABOR DAY th available in all branch locations beginning in September. who reside in Fresno, Kern, Kings and Tulare County are eligible to submit their recipes online at www.VisaliaHomeShows. TimeOffer isends running out! July 9 , 2012 *APR = Annual Percentage Rate. Actual rate depends upon credit history and other factors. Rate applies to model years 2011 or newer. Lowest rate shown includes .25% automatic payment discount, .25% discount for 80% Loan-To-Value (LTV) and .50% discount if your purchase a hybrid vehicle, Nissan Leaf or a vehicle with 33+ mpg highway or higher when financing up to 60 months. Rates are not available for refinancing existing TUCOEMAS loans. Rates subject to change without notice. Interest will continue to accrue over the 90 days. Monday, September 3 , 2012 rd 1This offer is only valid with the submission of this coupon to a Groppetti Automotive Family Dealership prior to the execution of the Purchase Contract. One extra year per vehicle purchased. Valid only on new vehicles purchased at a Groppetti Automotive Family Dealership and financed with TUCOEMAS Federal Credit Union; all previously owned vehicles are excluded. Offer expires July 9th, 2012. Federally Insured by NCUA. www.tucoemas.org CHOOSING “CREDIT” VS “DEBIT” “Credit or Debit?” You probably hear that it. If the money comes from your checking a lot at the checkout counters of stores account either way, why should it matter when you hand them your check card for which option you choose? a purchase. You answer “Debit,” right? Not necessarily. If you answer the wrong Protect Yourself way, you may be cheating yourself out of For all purchases, especially when dealing important consumer protection and into with an unfamiliar merchant, you should unnecessary fees. choose the “credit” (no-PIN) option. It provides you with consumer safeguards Keeping Important Documents Safe Protect Your Vehicle Against Mechanical Failures You Are Probably Thinking, “Why Do I Need a Safe Deposit Box?” The reasons are fairly easy to come by. Just take a look around your house. Use the handy checklist below to determine where some of your most valuable items are being kept. If they aren’t being stored in safe locations, bring them in to the Whitendale branch for peace of mind. • • • • • • • • • • Birth Certificates Stock Certificates Heirloom Jewelry Military Records Home Inventory Video Military Medals Important Keys Social Security Cards Will Income Tax Returns • • • • • • • • • • Avoid costly auto repairs that may occur after your manufacturer’s warranty expires and increase the resale value of your vehicle with transferable Mechanical Passports Insurance Contracts Property Deeds Rare Coins Your Children’s Artwork Wedding Photographs Home Inventory List Marriage Certificate Family Photographs Wedding Video Breakdown Insurance (MBI). MBI is very much like the extended warranties offered by auto dealers, yet less expensive. The claims process is TUCOEMAS Federal Credit Union’s Visa you don’t get with a “debit” option or check card (also known as a debit card) when paying by check or cash. So if the can be used instead of checks at merchants new dining room table arrives with a big who accept Visa debit cards. You can also gouge in it and the store where you bought use it for online purchases and at ATMs. In it refuses to take responsibility, you may be “How Long Will It Take to Get a Safe Deposit Box?” all cases, the funds spent are debited, or able to “charge back” the purchase price Not long. Actually, it is a very simple process. The longest part will When you are ready to sell your vehicle, the subtracted, from your checking account. if you purchase the table with the “credit” be the time it takes to gather all your valuable items before coming coverage may be transferred to a new private owner or you can get a prorated refund. For a If you choose “debit”, you must punch in (no-PIN) option. to the credit union. Once you are ready, visit the Whitendale branch and you will receive your free quote or to learn more about the Mechanical Breakdown Insurance offered to TUCOEMAS box and keys. It’s that simple. Federal Credit Union members, contact a loan representative at the branch nearest you. your card’s personal identification number simple - your vehicle may be repaired at any licensed facility in the United States or Canada with prior approval. Size (PIN) on the keyboard provided and the Avoid Fees transaction is processed. TUCOEMAS doesn’t charge you any fees “How Much Will a Safe Deposit Box Cost Me?” for using the “credit” option for your check The size you choose will depend on what you intend to store in the safe You could choose to have the purchase card. When you choose the “debit” option, Notice of Annual IRA/ESA Administration Fee not be available until the fifth business day deposit box. We have various sizes to choose from – the prices are listed to processed as a “credit” transaction and even for a small purchase - $30 to top off A $12 annual fee for IRA/ESA administration after the day of your deposit. The first $200 you will be asked to sign for purchases your gas tank or a quick trip to your local the right. Availability is on a first come, first serve basis. Ask a teller for details will be effective September 1st, 2012. Fee of your deposits must be available on the first over $25, rather than entering a PIN. Even grocery store, you will be charged a small schedules available at any branch location. business day after your deposit. though it’s called “credit”, the transaction pass-thru fee. You may also incur a fee by is considered an account debit. Your a merchant or its processor for using your Funds Availability Policy California Credit Card Disclosure purchase will still be deducted from your check card, and it will appear on your checking account, and you won’t get statement. You won’t be hit by such a fee if a Visa bill. It is only called a “credit” you use the card’s “credit” (no-PIN) option. Financial institutions across the country are reporting that their members are receiving unsolicited text messages. It’s an attempt at smishing, the latest form of phishing. In smishing, an e-mail tries to lure a recipient into giving personal information via SMS, the communications protocol used to send text messages to a wireless device. In smishing, the members receive a text message via cell phone warning that their account has been closed due to suspicious activity. It then tells them they need to call a certain phone number to reactivate the account and when the member calls, they are asked to provide their debit/credit account numbers and PIN. To reduce your risk of becoming a victim of smishing, follow the tips below: • Be wary of any message received from an unknown sender. • Do not open unsolicited e-mails or text messages and do not click on any links provided in those e-mails. • Contact your wireless or Internet service provider about unwanted messages. A $15.00 key deposit is required for a new safe deposit box. Deposit is refunded upon return of both keys to the credit union. or call (559) 732-8892, ext. 5679. The perfect gift everytime, VISA Gift Card ® Make anyone happy with a VISA® Gift Card! Save time and money and avoid the hassles of looking for the perfect gift. Our V ISA® g ift card works j ust like cash and can be used almost anywhere VISA® debit is accepted. When you give a prepaid gift card, t he r eceiver i s able to r egister the card online to check balances and monitor transactions. Give the gift that offers choices and will save you time and money! transaction because Visa USA processes Identity Theft Scam - “Smishing” BULLETIN BOARD Car buying toolkit Navigating Your Way to a Successful Vehicle Purchase To best prepare yourself, start with a money management plan to learn what you can afford for a down payment and a total monthly expense. Next, review your credit and develop an understanding of how it will affect your financing for the vehicle. Then, tackle the remaining elements of the vehicle purchase – decide what exactly you are looking for. You can find helpful tools on the www.tucoemas.org website to do your research, and how to get the best deal for you. Follow the steps in the Drive Away Happy module from BalanceTrack, which covers TUCOEMAS Federal Credit Union will never send an e-mail or text message asking you to provide personal the basic information you need to know to make the best decisions and gets you on your way to owning or private information. Should you receive any questionable messages, DO NOT reply - please contact a vehicle. You can find more information at: https://www.balancepro.net/carbuying/ the credit union at (559) 732-8892 immediately. Member Matters Our policy is to make funds from your deposited funds available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use them to pay checks you have written. For determining the availability of your Minimum payment warning: Making only the minimum payment will increase the interest you pay and the time it takes to repay your balance. Member Discounts Amusement Park Tickets deposits, every day is a business day, except • 1-Day Disney Hopper Saturdays, Sundays, and Federal holidays. • 2-Day Disney Hopper If you make a deposit before 3 p.m. on a business day that we are open, we will • Magic Mountain consider that day to be the day of your • Universal Studios deposit. However, if you make a deposit • Wild Water Adventures after 3 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day that you make your deposit. Depending on the The above tickets are available to TUCOEMAS FCU members only. For ticket availability information, call our Amusement Park Ticket Hot Line at 7375774 or visit our website. TUCOEMAS also offers a Family Fun Pack that includes a variety of discount coupons to other attractions. The Fun Packs are available free of charge at all branch locations. type of check that you deposit, funds may Third Quarter 2012