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FRIDAY, MAY 25, 2018 -- Friday, May 25 2018
The Credit Union will be closing at 3:00 today, Friday May 25th. On behalf of the Board of Directors and the Staff of the Credit Union, have a safe Memorial Day Weekend!
BUILD YOUR OWN LOAN SPECIAL THRU 5/31/18 RATES AS LOW AS .99%!! -- Friday, March 30 2018
BACK BY POPULAR DEMAND!!
BUILD YOUR OWN LOAN SPECIAL
EFFECTIVE 4/01/18 - 5/31/18
TAKE AN ADDITIONAL 1% REDUCTION FROM A LOAN OF YOUR CHOICE!!
HURRY DON'T DELAY APPLY TODAY!!
EXCITING NEWS!!! EXCITING CHANGES!!! -- Wednesday, March 28 2018
WE ARE MAKING SEVERAL CHANGES HERE AT THE CREDIT UNION. FIRST OFF - WE ARE CHANGING OUR NAME TO CONSUMER 1ST FEDERAL CREDIT UNION. WE HAVE A BRAND NEW LOGO AND WE ARE WORKING ON REVAMPING OUR WEBSITE. WE ARE ALSO SWITCHING FROM VISA DEBIT TO MASTERCARD DEBIT CHIP CARDS. WITH THE CHIP CARDS, YOU WILL HAVE ADDED PROTECTION AGAINST FRAUD. YOU WILL STILL BE ABLE TO ACCESS AT ATMS'S THAT ACCEPT MASTERCARD. WE WANT TO THANK YOU IN ADVANCE FOR YOUR PATIENCE AS WE TRANSITION ALL CORRESPONDENCE TO OUR NEW NAME. IN THE INTERIM, PLEASE CONTINUE TO USE YOUR DEBIT CARDS, CREDIT CARDS AND CHECKS BEARING THE CONSUMER HEALTHCARE FEDERAL CREDIT UNION NAME UNTIL FURTHER NOTICE. IF YOU SHOULD HAVE ANY QUESTIONS OR CONCERNS, PLEASE FEEL FREE TO CONTACT US AT 412 424 6050.
***ATTENTION*** MOBILE BANKING APPLICATION IS NOW AVAILABLE!! -- Wednesday, January 18 2017
WE ARE PLEASED TO ANNOUNCE THAT THE CREDIT UNION MOBILE BANKING APPLICATION IS NOW AVAILABLE FOR USE WITH THE ANDROID AND APPLE DEVICES!!
TO SIGN UP GO TO YOUR APP STORE TO INSTALL CONSUMER HEALTHCARE FEDERAL CREDIT UNION APPLICATION. YOU MAY OR MAY NOT ALSO NEED TO GO INTO HOME BANKING, MANAGE ACCOUNT, ACTIVATE MOBILE BANKING TO RECEIVE THE ACTIVATION CODE NEEDED TO FINALIZE INSTALLATION.
SO SET YOURSELF UP TODAY SO YOU CAN VIEW ACCOUNTS, TRANSFER FUNDS BETWEEN CREDIT UNION ACCOUNTS AND DEPOSIT CHECKS FROM YOUR DEVICE!!
2018 HOME EQUITY LINE OF CREDIT SPECIAL -- Thursday, December 31 2015
TAKE ADVANTAGE OF OUR 2018 HOME EQUITY LINE SPECIAL
EFFECTIVE 1/01/18 - 12/31/18
LOW INTRODUCTORY INTEREST RATE ON ALL NEW LINES
1.99% THRU 12/31/18
1/01/19 RATE REVERTS BACK TO PRIME RATE
CALL FOR DETAILS TODAY!!
NON-SURCHARGING ATM LOCATOR -- Wednesday, September 23 2015
For surcharge free ATM’s, click on the Links tab on our home page, then Money Passnon-surcharging ATM’s, and enter your zip code. This site will also indicate fee-free deposit accepting ATM’s in yourarea.
TAKE ADVANTAGE OF OUR LOW RATE 1.99% SHARE SECURED LOAN -- Friday, February 1 2013
Borrow against your credit union savings or certificates of deposit and pay only 1.99% APR and continue to earn interest on the savings!! What a deal! Apply today. Click on "Services" and "Loan Application". Choose "Share Secured" for the type of loan. We will process your application the day we receive it!!
BEWARE OF DEBIT AND CREDIT CARD SCAMS -- Tuesday, December 11 2012
Please make sure to monitor your deposit and credit card accounts to identify any unauthorized transactions and immediately report any unauthorized transactions to the credit union.
If it is after credit union hours and you need to report a lost or stolen credit card call (800) 991-4961, a lost or stolen debit card (800) 264-5578.
VISA CREDIT CARD DISCLOSURE UPDATE: -- Monday, October 22 2012
"To learn about more factors to consider when applying for or using a credit card, visit, the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore."
STUDENT LOANS ARE NOW AVAILABLE! -- Thursday, January 19 2012
APPLYING ONLINE IS EASY–IT ONLY TAKES ABOUT 15 MINUTES TO APPLY AND GET A CREDIT RESULT.
Click on "Links" on the left side of of our home web page and choose the "Get Started" button on the Sallie Mae Smart Option Student Loan icon to apply.
SIGN UP FOR VERIFIED BY VISA AND PROTECT YOUR PURCHASES -- Wednesday, January 11 2012
Shop online securely.
Verified by Visa gives you added security for your online purchases. If you are already signed up, you can sign in to the Personal Account Manager.
As our valued customer, Consumer Healthcare FCU is now offering you Verified by Visa. With Verified by Visa, at the end of each online purchase you sign a receipt with your private password.
Only you can sign the receipt, thus ensuring a safe online shopping experience!
And it is FREE to register and use. Go to the "Links" section on the left side of our web site. Click on "Verified by Visa" and register today!
FUNDS AVAILABILITY POLICY -- Wednesday, May 11 2011
YOUR ABILITY TO WITHDRAW FUNDS
Under normal circumstances, our policy is to make funds from your deposits available to you immediately. At that time, you can withdraw the funds and we will use the funds to pay share drafts that you have written. In some cases, there may be delays in availability. See below:
For determining the availability of your deposits, every day is a business day, except Saturday’s, Sunday’s and Federal Holidays. If you make a deposit before 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 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.
LONGER DELAYS MAY APPLY
In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposits will be available on the first business day.
In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
a. We believe a check you deposit will not be paid.
b. You deposit checks totaling more than $5,000.00 on any one day.
c. You redeposit a check that has been returned unpaid.
d. You have overdrawn your account repeatedly in the last six months.
e. There is an emergency, such as failure of communications or computer equipment.
If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.
New accounts shall be subject to the same Funds Availability Policy that established accounts are subject to.
YOUTH DEPOSIT PROGRAM -- Thursday, September 16 2010
We have a new Youth Deposit Program for any student earning a report card (through high school graduation). We will pay $1 for every "A" (or "A" equivalent) for the following core subjects: Math, Science, History, English, Foreign Language.
Also, when any youth (age 0 to 18) makes at least a $10 deposit into their savings account, the credit union will enter that child into a monthly drawing for fun prizes.
We designed this program to encourage our youth to succeed in school, to learn to financially save and manage their money, and to be successful in life.
COME AND JOIN THE FUN!
PAY YOUR VISA PAYMENT IN HOME BANKING! -- Wednesday, August 25 2010
You can now pay your Consumer Healthcare FCU credit card payment from one of your Consumer Healthcare FCU deposit accounts in Home Banking! Log into your account and click on Transactions. Select the account that you want the payment to come from. Select the amount that you wish to pay on your Visa and in the "Transfer To" box, select "Credit Card".
SIGN UP FOR HOME BANKING, E-STATEMENTS, AND/OR BILL PAYMENT -- Monday, June 21 2010
We have made it even easier for you to get set-up for Home Banking, E-Statements, AND/OR Bill Payment. Click on the link, print out the application, complete it and send it to the credit union. Home Banking, E-Statements, and Bill Payment are all FREE! So, don't delay and sign up today!
LOST DEBIT AND CREDIT CARDS -- Thursday, February 4 2010
BEWARE OF CREDIT CARD PHONE SCAMS....SHOULD YOU RECEIVE A CALL THAT YOUR CARD HAS BEEN COMPROMISED ALWAYS CONTACT THE CREDIT UNION OR ONE OF THE NUMBERS LISTED BELOW BEFORE CALLING AN UNKONWN NUMBER TO VERIFY YOUR CARD ACCOUNT STATUS. NOTE: THE CREDIT UNION DOES NOT SEND TEXT MESSAGES REGARDING CREDIT OR DEBIT CARDS
IF YOU HAVE LOST YOUR DEBIT CARD OR EXPERIENCE ANY DECLINES, YOU MAY CALL 24 HOURS A DAY TO REPORT THE ISSUE BY CALLING: 1-800-264-5578.
IF YOU HAVE LOST YOUR CREDIT CARD, YOU MAY CALL 24 HOURS A DAY TO REPORT THAT CARD LOST BY CALLING: 1-800-325-3678.
IF YOU RECEIVE A CALL FROM CREDIT CARD FRAUD ALERT SYSTEM YOU MAY REACH THEM TO VERIFY YOUR TRANSACTIONS AT 1-866-374-6975
TO CHECK YOUR BALANCE ON YOUR CREDIT CARD YOU MAY CALL 800-433-0505 OR LOG ON TO https://www.ezcardinfo.com/.
OPT OUT OF CREDIT CARD OFFERS & PHONE SOLICITATIONS -- Thursday, February 4 2010
Stop those dinnertime phone calls permanently by logging on to www.donotcall.gov and entering your home phone number or by calling 1-888-382-1222.
You can also stop all the credit card offers that you get in the mail by logging on to www.optoutprescreen.com or by calling 1-888-567-8688. You can choose to opt out permanently or for 5 years.
Opt-out Notice Rule Takes Effect August 1
Beginning August 1, 2005, financial institutions and other companies that send “prescreened” solicitations of credit or insurance to consumers will be required to provide simple and easy-to-understand notices that explain consumers’ right to opt-out of receiving future offers. The FTC, as required by FACTA, issued a Final Rule on January 31, 2005, which specified the format, type size, and manner for these opt-out notices.
If consumers decide that they don’t want to receive prescreened offers of credit and insurance, there are two choices: (1) opt-out of receiving them for five years; or (2) opt-out of receiving them permanently. Consumers can call toll-free 1-888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com for details. The telephone number and Web site are operated by the major consumer reporting companies. When calling, or visiting the Web site, consumers will be asked to provide certain personal information, including home telephone number, name, Social Security Number, and date of birth. The information provided is confidential and will be used only to process the request to opt-out.
CREDIT UNION CLOSED DATES 2018 -- Thursday, February 4 2010
The Credit Union will be closed on the following dates:
- New Year's Day - January 1
- Martin Luther King Day - January 15
- President's Day - February 19
- Good Friday, Early Close - March 30
- Memorial Day - May 28
- Forth of July - July 4
- Labor Day - September 3
- Columbus Day - October 8
- Thanksgiving Day - November 22 & 23
- Early Close - December 24
- Christmas Day - December 25
- Early Close - December 31
- New Year's Day - January 1
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