Get valuable discounts when you buy from these retail partners

Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about.

Visit LoveMyCreditUnion.org for details on how to save.

Local 804 Credit Union is excited to offer you exclusive discounts and benefits on products and services you use every day. Credit Union members have already saved over $1.4 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.

  • Sprint : Receive a 10% discount on select regularly priced Sprint monthly data service.
  • CU Road Pal : Get safety and security of roadside assistance and more.
  • TurboTax :  up to $15 on TurboTax Federal tax products.
  • Direct TV , ADT : Save on services for your home from ADT, DIRECTV, Allied, and more

Earn cash back when you shop at over 1,500 online retailers with Love to Shop

The more offers you take advantage of, the more you save.

*Based on individual roadside assistance plan

Catch up on all the latest happenings with our FCU Local 804 Newsletters.

A new bill pay service!

You can:

  • Set up and schedule one-time or recurring bill payments
  • Set up reminders
  • Keep track of your payments
  • Initiate “P2P” transfers (person to person)

Save Money

  • Members please remember to keep your account active to prevent a “dormant” status and avoid fees by performing at least 1 transaction each year. See “Rate & Fee Schedule” for applicable fees.

Security

  • Be on the Lookout –New Phone Scam: One of the newest scams is a credit or debit card phone sca, where the caller claims to be from the Visa® or MasterCard® Fraud Department, advising you that your card has been flagged for an unusual purchase. After verifying that you did not make the purchase indicated, the fraudster tells you that a fraud investigation will be initiated on your behalf. Before hanging up, the caller will ask you to provide the 3-digit code on the back of your card. DO NOT provide this number or any other account information to the caller. This is another trick to steal your credit/debit card information. If you are unsure about a call, hang up and contact us.

Shared Branching

  • CASHING CHECKS AT CITIBANK –  please be reminded that there are new procedures in place when cashing your checks at Citibank.  Beginning in May, Citibank will be requiring additional information in order to manage risks associated with cash transactions.  You will be asked to provide a valid government issued photo ID as well as other information including your social security number and occupation in order for the tellers to process the transaction.  We are sorry for any inconveniences this may cause but this is not under the control of the credit union.

If our Fraud Department calls you, we will NEVER request your 3-digit security code, your expiration date or your Personal ID number (PIN).

Use these calculators to get estimated loan details:

  • 1. Loan Calculator
  • 2. Debt Calculator
  • 3. Mortgage Calculator
  • 4. Vehicle Calculator

Equifax Data Breach:
What to do now to Safeguard Your Information and Avoid being Scammed

The latest big data breach has been reported all over the news and you might be wondering what to do or how it may affect you.

Equifax has been breached and it’s said that 143 million U.S. consumers could be affected. Cybercrime is becoming more prolific and you need to protect yourself. We strongly suggest that you consider freezing your credit as a precaution. Contact each of the credit reporting agencies individually.

Their contact information is:

Equifax — 1-800-349-9960 or https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
Experian — 1-888-397-3742 or https://www.experian.com/freeze/center.html
TransUnion — 1-888-909-8872 or https://www.transunion.com/freeze

You’ll need to provide your personal information and pay a small fee, except from Equifax who is providing the freeze for free since they were breached.

After they receive your freeze request, each agency will send you a confirmation letter containing a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place, as you will need it if you choose, for example, to lift the freeze to refinance your mortgage or take out an auto loan, etc.

By freezing your credit, you will block anyone from accessing your credit, which should prevent thieves from taking out credit cards in your name.

It’s important to note that freezing your credit will not prevent all identity theft. You may also want to consider subscribing to a trusted company that specializes in identity protection. For instance, LifeLock is currently offering a 10% discount in addition to a 30-day trial on their Identity Protection products.

Precaution is the best way to approach these uncertain times and it is important to take control of what you can.

And be wary of scams connected to the Equifax breach. People have been calling consumers trying to trick them into giving them their personal information. Here are tips for recognizing imposter scams and to do if you encounter one:

  • Don’t give out personal information. Don’t provide any personal or financial information unless you’ve initiated the call and it’s to a phone number you know is correct.
  • Don’t trust caller ID. Scammers can spoof their numbers so it looks like they are calling from a particular company, even when they’re not.
  • If you get a robocall, hang up. Don’t press 1 to speak to a live operator or any other key to take your number off the list. If you respond by pressing any number, it will probably just lead to more robocalls.
  • If you’ve already received a call that you think is fake, report it to the FTC.

If you gave your personal information to an imposter, it’s time to change any compromised passwords, account numbers or security questions.

Additional information can also be obtained in KOFE’s Identity Theft Booklet which can be accessed at https://www.kofetime.com/Booklets/English/IdentityTheft/.

On November 15th, 2017, KOFE will be conducting a webinar on “Don’t Be a Victim of ID Theft”. The webinar will inform you on how to prevent identity theft and what to do if you become a victim. Please join us to receive this invaluable information toward protecting yourself now and in the future. Registering is FREE, quick, and simple! Simply visit www.kofetime.com/local804 to find out more.

Visiting www.kofetime.com/local804 can provide you additional resources to assist with this and numerous other topics to help improve your financial situation. You can also speak with a Financial Coach by calling 1-866-813-4750. We are here to help!

+ Rewards & Discounts

Get valuable discounts when you buy from these retail partners

Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about.

Visit LoveMyCreditUnion.org for details on how to save.

Local 804 Credit Union is excited to offer you exclusive discounts and benefits on products and services you use every day. Credit Union members have already saved over $1.4 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.

  • Sprint : Receive a 10% discount on select regularly priced Sprint monthly data service.
  • CU Road Pal : Get safety and security of roadside assistance and more.
  • TurboTax :  up to $15 on TurboTax Federal tax products.
  • Direct TV , ADT : Save on services for your home from ADT, DIRECTV, Allied, and more

Earn cash back when you shop at over 1,500 online retailers with Love to Shop

The more offers you take advantage of, the more you save.

*Based on individual roadside assistance plan

+ Newsletters

Catch up on all the latest happenings with our FCU Local 804 Newsletters.

+ Online Bill Pay

A new bill pay service!

You can:

  • Set up and schedule one-time or recurring bill payments
  • Set up reminders
  • Keep track of your payments
  • Initiate “P2P” transfers (person to person)
+ Tips

Save Money

  • Members please remember to keep your account active to prevent a “dormant” status and avoid fees by performing at least 1 transaction each year. See “Rate & Fee Schedule” for applicable fees.

Security

  • Be on the Lookout –New Phone Scam: One of the newest scams is a credit or debit card phone sca, where the caller claims to be from the Visa® or MasterCard® Fraud Department, advising you that your card has been flagged for an unusual purchase. After verifying that you did not make the purchase indicated, the fraudster tells you that a fraud investigation will be initiated on your behalf. Before hanging up, the caller will ask you to provide the 3-digit code on the back of your card. DO NOT provide this number or any other account information to the caller. This is another trick to steal your credit/debit card information. If you are unsure about a call, hang up and contact us.

Shared Branching

  • CASHING CHECKS AT CITIBANK –  please be reminded that there are new procedures in place when cashing your checks at Citibank.  Beginning in May, Citibank will be requiring additional information in order to manage risks associated with cash transactions.  You will be asked to provide a valid government issued photo ID as well as other information including your social security number and occupation in order for the tellers to process the transaction.  We are sorry for any inconveniences this may cause but this is not under the control of the credit union.

If our Fraud Department calls you, we will NEVER request your 3-digit security code, your expiration date or your Personal ID number (PIN).

+ Calculators

Use these calculators to get estimated loan details:

  • 1. Loan Calculator
  • 2. Debt Calculator
  • 3. Mortgage Calculator
  • 4. Vehicle Calculator
+ Requests, Forms & Applications
+ Equifax Breach

Equifax Data Breach:
What to do now to Safeguard Your Information and Avoid being Scammed

The latest big data breach has been reported all over the news and you might be wondering what to do or how it may affect you.

Equifax has been breached and it’s said that 143 million U.S. consumers could be affected. Cybercrime is becoming more prolific and you need to protect yourself. We strongly suggest that you consider freezing your credit as a precaution. Contact each of the credit reporting agencies individually.

Their contact information is:

Equifax — 1-800-349-9960 or https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
Experian — 1-888-397-3742 or https://www.experian.com/freeze/center.html
TransUnion — 1-888-909-8872 or https://www.transunion.com/freeze

You’ll need to provide your personal information and pay a small fee, except from Equifax who is providing the freeze for free since they were breached.

After they receive your freeze request, each agency will send you a confirmation letter containing a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place, as you will need it if you choose, for example, to lift the freeze to refinance your mortgage or take out an auto loan, etc.

By freezing your credit, you will block anyone from accessing your credit, which should prevent thieves from taking out credit cards in your name.

It’s important to note that freezing your credit will not prevent all identity theft. You may also want to consider subscribing to a trusted company that specializes in identity protection. For instance, LifeLock is currently offering a 10% discount in addition to a 30-day trial on their Identity Protection products.

Precaution is the best way to approach these uncertain times and it is important to take control of what you can.

And be wary of scams connected to the Equifax breach. People have been calling consumers trying to trick them into giving them their personal information. Here are tips for recognizing imposter scams and to do if you encounter one:

  • Don’t give out personal information. Don’t provide any personal or financial information unless you’ve initiated the call and it’s to a phone number you know is correct.
  • Don’t trust caller ID. Scammers can spoof their numbers so it looks like they are calling from a particular company, even when they’re not.
  • If you get a robocall, hang up. Don’t press 1 to speak to a live operator or any other key to take your number off the list. If you respond by pressing any number, it will probably just lead to more robocalls.
  • If you’ve already received a call that you think is fake, report it to the FTC.

If you gave your personal information to an imposter, it’s time to change any compromised passwords, account numbers or security questions.

Additional information can also be obtained in KOFE’s Identity Theft Booklet which can be accessed at https://www.kofetime.com/Booklets/English/IdentityTheft/.

On November 15th, 2017, KOFE will be conducting a webinar on “Don’t Be a Victim of ID Theft”. The webinar will inform you on how to prevent identity theft and what to do if you become a victim. Please join us to receive this invaluable information toward protecting yourself now and in the future. Registering is FREE, quick, and simple! Simply visit www.kofetime.com/local804 to find out more.

Visiting www.kofetime.com/local804 can provide you additional resources to assist with this and numerous other topics to help improve your financial situation. You can also speak with a Financial Coach by calling 1-866-813-4750. We are here to help!