News and Alerts
The $1,000 Whatever Loan is Back!
Almost everbody could use some extra money and Community Focus FCU wants to help! For a limited time, you can borrow up to $1,000 for whatever purpose with no credit score check! Get it before it's gone!
Need some cash for the holidays? Who doesn't!
Want to pay down some of the bills? Go for it!
Need money for the repairs? Definitely!
The $1,000 loan can be used for whatever you need! Apply online at www.communityfocusfcu.org/apply or call the branch near you.
*In order to receive the Whatever loan, you must have had direct deposit to your CFFCU account for at least three months. You must also have an automatic payment transfer set up on your account to pay this loan. The amount borrowed depends on the monthly direct deposit amount. Payment example: A loan of $1,000 for 12 months will have a monthly payment of $92.29 at 18% Annual Percentage Rate. Some restrictions may apply.
2X Bonus Points on Any CFFCU VISA Purchase Through December 31
Racking up your ScoreCard points to get to your dream goal is easy when you use your CFFCU VISA to do your holiday shopping this November and December. Each time you use it for any purchase, you will get 2X Bonus Score Card Reward Points. You will see those points add up in no time!
Redeeming your points is easy at www.scorecardrewards.com. Online ordering is available 24/7 and shipping is free.
Toys for Tots
We are proud to partner again this year with the U.S. Marine Corps Reserve Toys for Tots progam. We invite all members to share a little love over the holidays and donate to Toys for Tots!
Donations of new, unwrapped toys can be dropped off at any Community Focus FCU branch until December 11, 2017. Monetary donations can be made online at www.toysfortots.org.
Not sure what to buy? These tips may help:
- Consider what may be appropriate gift for your own child/relative
- For pre-teens and teens gift ideas may include sporting equipment/bags, balls; books, backpacks, cosmetics, purses, watch/wallet gift sets, bath gift sets, board games, radio control cars/trucks, hand-held electronics, skateboards/helmets, curling irons, hair straighteners, and hair dryers.
- Toys for Tots prefers not to accept realistic looking weapons and gifts with food. If donated, such items will not be distributed.
Equifax Security Breach: How to Protect Yourself
Equifax, a leading credit report provider, recently announced that 143 million people could be affected by a recent breach of its data system. Cybercriminals stole important personal information that included names, Social Security numbers, birth dates, addresses, and some driver’s license numbers. That kind of information could be used by someone else to open bank accounts, credit cards and loans in your name. The credit card numbers of an additional 209,000 people were also accessed. Those people will be notified directly by Equifax.
There are steps you can take to help protect your information from being misused.
1. Find out if your information was exposed in the Equifax security breach. Visit www.equifaxsecurity2017.com and click on the “Potential Impact” tab to enter your last name and the last six digits of your Social Security number. The results will tell you if your information has been affected by the breach.
2. Check your free credit reports. Under federal law you are allowed to request a free copy of your credit report once a year from each of the three credit reporting agencies: Equifax, Experian, and TransUnion. You can request a copy of your credit report online at www.annualcreditreport.com.
3. Consider putting a fraud alert on your credit. You can put a fraud alert on your credit reports for free by contacting one of the credit agencies, which is required to notify the other two. This means you'll be contacted if someone tries to apply for credit in your name. It will last for 90 days and can be renewed. To put a fraud alert on your credit, start here.
4. Consider placing a credit freeze on your credit report. A freeze blocks anyone from accessing your credit reports without your permission. Keep in mind that a credit freeze won’t prevent a thief from making charges to your existing accounts. Fees to freeze your account vary by state, but commonly range from $5 to $10. For more information on credit freezes, https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs
5. Review your accounts at your credit union, bank as well as credit card statements. Go through all your bank, retirement, and brokerage accounts, as well as your credit card statements to look for any suspicious activity.
6. Consider signing up for a credit monitoring or identity theft protection service. Monitoring services usually alert you when a company checks your credit history, a new loan or credit card is opened in your name, a creditor says a payment is late, or if public records show you've filed for bankruptcy, according to the FTC. Equifax is offering a free year of credit monitoring through its TrustedID Premier business, regardless of whether you've been affected by the hack. The government offers a free resource for recovering from identity theft at IdentityTheft.gov.
It’s important to keep in mind that any information put at risk by the Equifax breach is separate from your data at Community Focus Federal Credit Union, but we want to help you protect both.
We remain ever-vigilant in securing your credit union data and you can help by actively monitoring the activity on your accounts. If you observe suspicious activity, report it to us immediately.
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For additional information:
Federal Trade Commission’s release on the Equifax breach: https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do
Equifax’s information on the breach: https://www.equifaxsecurity2017.com