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NEWSLETTERS
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FINANCIAL STATEMENTS
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CUNA MUTUAL INSURANCE
LOAN PROTECTION AND LIFE SAVINGS
NOTICE
Effective January 31, 2010, all coverage provided by the Loan Protection Policy will be canceled.
Please destroy any CUNA Mutual Loan Protection Certificate of Insurance previously given to you at that time.
We have taken steps to make quality alternative insurance protection available to you with MEMBER'S CHOICE™ Credit Life Insurance. To make the transition to MEMBER'S CHOICE™ Credit Life Insurance as easy and as simple as possible,
we have arranged with CUNA Mutual Group for a 30-day open enrollment period for the new service.
Prior to March 3, 2010, you may complete an application for the MEMBER'S CHOICE™ Credit Life Insurance for an existing loan without providing proof of insurability. Please call 1-888-599-9606 for an application. For new and refinanced loans made on and after February 1, 2010, no proof of insurability is required if an application for coverage is applied for within 30 days after the date of the loan. We are also revising our Life Savings Insurance program, the term life insurance that we've made available at no cost to our members. New deposits will no longer be eligible for Life Savings Insurance starting on February 1, 2010.
IMPORTANT: This change does not affect your existing Life Savings Insurance coverage on eligible deposits made before February 1, 2010. Those deposits will remain eligible so long as they stay on deposit continuously. But you'll want to keep in mind that, because the Life Savings Insurance group policy is offered at the discretion of the credit union, it should not be regarded as permanent insurance. Any CUNA Mutual Life Savings Certificate of Insurance you may have is valid only for eligible deposits made prior to February 1, 2010. The maximum total balance eligible for Life Savings Insurance is $4,000. We understand that you may now want to consider other protection to replace and/or supplement your Life Savings Insurance. That's why we've asked CUNA Mutual to make a variety of group term and whole life insurance plans available to our members. You can call Members Financial Services at 1-800-356-6006 to discuss your options with one of CUNA Mutual's knowledgeable, licensed representatives conveniently and confidentially, with no cost or obligation.
If you have any questions, please contact our credit union office at 1-888-599-9606.
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Share Draft Account Reminder
Overdraft protection is offered on your share draft (03) account. However,
there are limitations due to Regulation D.
Each member is only allowed to have six (6) automatic transfers per month, with out being charged a fee. automatic transfers include the following:
Overdraft protection
Flex Teller (on-line)
ARU phone system transfers
If a member has an overdraft after the sixth (6th) automatic transfers the member will be charged the Overdraft NSF fee.
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KNOW YOUR CREDIT SCORE !!
FREE ANNUAL CREDIT REPORT
West Virginia residents are eligible for a free annual credit report beginning September 1, 2005 The Fair and Accurate Credit Transactions Act of 2003(FACTA) allows consumers to request a free credit report, once every 12 months. Consumers have three options to obtain the free report:
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Toll Free: 877-322-8228
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By mail: Annual Credit Report Request Service
P.O. Box 105281 Atlanta, GA 30328-5281
The annualcreditreport.com is the only authorized source for consumers to access their credit reports online for free. Consumers are advised not to respond to email scams that ask you for your account number, credit card number, and personal identification numbers relating to obtaining a free credit report. E-mail messages that ask for this type of information are fraudulent, and should be reported immediately. Formal complaints concerning any suspected fraudulent e-mail should be filed with the Internet Fraud Complaint Center (IFCC) click here for more information.
Consumers are encouraged to view their credit reports regularly to check for inaccuracies or signs of identity theft. For information on how to dispute any errors, the Federal Trade Commission has published a brochure, Your Access to Free Credit reports. You can get a copy of this brochure by clicking here.
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HAVE YOU MOVED OR PLAN ON MOVING????
Don't forget to contact the Credit Union and update your address and your primary contact information.
This will ensure that you receive any correspondence in a timely manner.
If you have a PO Box, please bring a utility bill to the Credit Union office to show your physical address, a copy will be kept in your file.
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REMINDER!!
CHECK 21 SPEED CHECKING
SINKS YOUR FLOAT.........
If you don't have it, don't write it. if you think you can get away with a little float. think again. You know what float is, you write a check today hoping it won't be deducted from your account for a couple of days. That thinking won't necessarily work anymore. The Check Clearing for 21st Century act (Check 21) has been in effect now since October 28, 2004. Now checks written on an account that use to take days to clear will possibly clear within hours. Members need to think about wheather they need to change their checking habits. To find out more information on this Act stop by the Credit Union for the Check 21 pamphlet.
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What's New!!