Holiday Loan Special....as low as 6.99% APR!!!*
Federal Credit Union is offering a very special rate as low as 6.99% APR* on
Holiday Loans. You can borrow up to $3,000 and we’ll give you up to 12 months
to repay the loan. For added convenience, the funds can be directly
deposited into your checking account. To
take advantage of this great rate, loan payments must be made with hassle-free
automatic or electronic payments.
Holiday Loans are available through December 15th, so don’t put off applying
and start shopping early!
even apply online at:
*Note that rates are subject to change. Contact the credit union for
complete details and terms. The actual rate you pay will be determined by
your credit history. APR-Annual Percentage Rate
Christmas and New Year's Office Closings
In recognition of Christmas and the New Year's Day holidays, the credit union's offices will be closed on Monday, December 26th and Monday, January 2nd. The credit union's offices will reopen for business at their regularly scheduled times on Tuesday, December 27th and Tuesday, January 3rd, respectively.
We wish all our members...happy, safe, and joyous holiday seasons!!
Protect Your Finances and Your Accounts
Seems like we've been inundated over the past 6 months with rampant cyber theft. Target, Nieman Marcus, Yahoo and even mysterious $9.84 credit card charges. Unfortunately, in the world we live in, this is most likely the norm going forward and not just a blip on the radar.
So, how can you stay protected online? While there is no way to absolutely, positively, 100% stay safe online, by taking these 9 steps, you will be as safe as possible.
- Only Shop On Secure Websites. Before you type your credit card into a website, ensure it is secure. Look for "https://" in the address bar of your web browser when you are checking out.
- Avoid Financial Transactions Over Public Wifi. You can't guarantee that free or shared WiFi access is secure. OK to connect for browsing the web, but avoid financial transactions on these connections.
- Use A Secure Network For Financial Transactions. Protect your computer with a firewall, antivirus and anti-spyware software.
- Setup Banking Alerts For Unusual Or Large Transactions. Ask your bank to notify you of any suspicious or large transactions.
- Use Credit Cards Instead Of Debit Cards. Most credit cards offer better fraud protection, plus if money is stolen from a debit card, then it has already left your bank account.
- Pick Complex Passwords. Use phrase acronyms and keyboard combinations. Never use repeat passwords or words in the dictionary for your financial accounts.
- Never Directly Answer Or Respond To An Email From Your Bank. Criminals have become very adept at appearing that they are financial institution when they are not. Never rely on links in emails to access your financial accounts.
- Install Available Security Updates On Your Computer, Smart Phone, and Tablets. Many cyber crimes target known security holes on your computing devices. Stay up to date to stay secure.
- Check Your Bank Balances And Statement Regularly. Good ol'-fashioned visual checks on your balance and a scan of your transactions are the best practices to be sure that nothing has slipped through the cracks.
Try Treasury Direct to Buy and Redeem Savings Bonds and more!
TreasuryDirect is the first and only financial services website that lets you buy and redeem securities directly from the U.S. Department of the Treasury in paperless electronic form. You can enjoy the flexibility of managing your savings portfolio online as your needs and financial circumstances change - all the time knowing your money is backed by the full faith of the U.S. government.
TreasuryDirect offers product information and research across the entire line of Treasury securities, from Series EE Savings Bonds to Treasury Notes. TreasuryDirect accounts offer Treasury Bills, Notes, Bonds, Inflation-Protected Securities (TIPS), and Series I and EE Savings Bonds in electronic form in one convenient account. In addition, with TreasuryDirect you can account for Savings Bonds in a paperless form and even purchase or redeem bonds.
Go to http://www.treasurydirect.gov/tdhome.htm to open an account.
Five Year Mortgage Loan Special!
With this special offer, you can refinance your existing mortgage and accelerate its repayment with a great rate! You can also use the equity in your home to do improvements or buy that special car, or consolidate debts….all at a super rate. Rates are not going to stay low forever; now is the time to borrow at a great rate with NO APPLICATION FEES or CLOSING COSTS!
Rates as low as 2.99% APR*
The credit union also has other special rate for home equity loans with up to ten year repayment terms. See our loan rates at http://www.mckessonfcu.org/mckesson/RatesLoan.asp.
*Annual Percentage Rate. Rate is based on five-year term with a monthly payment of $17.96 per thousand borrowed and requires direct deposit or electronic payment. Loan to value ratio 70% or less. Property insurance must be maintained throughout the loan term. Other rates and terms available for up to ten years. Rate may be higher based on credit history. Rate is for new loans $25,000 or greater and is subject to change without notice. Other restrictions may apply. Contact Jen at extension 13 for full details. Owner-occupied single family in CT only.
**Member may be responsible for actual closing costs incurred by the credit union if the related loan is paid off within one year of closing.
Get a Free Checking Account and a MasterCard Debit Card
A number of banks have recently started to increase checking fees and/or have announced plans to also charge a debit card usage fee. Why pay the high fees assessed by banks when you can get the same services for a lot less or even free at McKesson FCU?
You can read the full article “More Bad News for Bank Customer: Debit Card Fees” by visiting http://abcnews.go.com/Business/wireStory/bank-america-charge-5month-debit-cards-14633305.
Join consumers who refuse to pay for a service that should be free…apply for a debit card from McKesson Federal Credit Union. We never charge checking account or debit card usage fees. Applying is easy – start by clicking here for an application.
CO-OP Surcharge-Free ATM Network Expands!
With McKesson FCU's participation in the CO-OP Network, our members can now access more than 30,000 surcharge-free ATMs (includes 9,000 deposit-taking) across North America that are part of the CO-OP Network. In fact, CO-OP recently signed a contract expiring in 2014 to allow the usage of surcharge-free ATMs in 7-Eleven stores nationwide.
To identify surcharge-free ATMs near you that are part of the network, you can use CO-OP's Locator service at http://www.co-opfs.org/public/locators/index.cfm. ANother way to locate surcharge fee ATM's near you is to text a street address or "city state" or zip code to 692667 to find the closest CO-OP ATM locations.
You can also call 888-SITE-CO-OP to find locations using our toll-free ATM locator!
Why pay unnecessary surcharge fees?
New Online Banking Enhancements!
Enroll in the McKesson Federal Credit Union Online Banker by following the links in our website at www.mckessonfcu.org! With our Bill Pay, you can make payments from either your Savings or Checking Account....you decide with each payment!
If you are already enrolled and would like to have your Bill Pay activated, please contact our main office and we will handle your request promptly.
Banking just got a lot easier!
Free Online Banking, Bill Pay, and Touch Tone Teller Services!
The online banking platform has increased abilities that you can customize for your own personal needs. Using E Alerts and Preferences, you can create email alerts to notify you when balances fall below a specified amount; notify you when specified checks clear; notify you when rates change or for special offers; and much more. You will still be able to view account histories and perform transfers and other transactions. Register for this free service by contacting the credit union and a temporary password will be emailed to you. To qualify for this service, you must provide us a valid email address.
We have recently added the bill pay feature to our online banking platform. Use of this service is being offerred free of charge to active users of the online banker. Call us and we will gladly activate this service for you.
In addition, with E Statements, you can receive your statements electronically. This will ensure that your statements are received by you in a timely and secure fashion. And ecologically friendly!
The Touch Tone Teller Platform continues to be a very popular amongst credit union members to access their credit union accounts 24/7. The first time you access the new platform, you will use your account number as the base account number, and the last four digits of your Social Security Number as the PIN (or password). You will then be prompted to change the temporary PIN to a permanent PIN. A listing of popular codes are available on the credit union's website under "Applications and Forms" or we can send one to you.
We think that once you give the credit union's online services a try....you will be happy that you did.