Shopping for an auto loan? Get pre-approved before going to the dealer! With the convenience of payroll deduction and optional payment protection insurance through Members Choice, UTELFCU is your exclusive home-town financial institution!
New Vehicles up to 48 mos. 3.99% APR*
New Vehicles over 48 mos. 4.25% APR*
Used Vehicles 4.50% APR*
*Annual Percentage Rate. All loans subject to approval.
Home Equity Loans!
Debt Consolidation Loans!
VISA® Credit Cards!
Deposits insured up to $250,000 by NCUA, a U.S. Government Agency
Equal Housing Lender
***COMING SOON...A NEW LOOK TO OUR WEBSITE!!!***
You are invited to the 57th Annual Member Meeting
Thursday, April 24, 2014 at the Radisson Hotel-Utica Centre
Business Meeting at 5:30
Music and Door Prizes
From 6:oo PM to 8:00 PM
RSVP required by April 18, 2014
We would love to see you there!!
April is National Financial Literacy Month!!
NCUA is providing resources to help members think about saving, building wealth and making smarter financial decisions. Visit the NCUA consumer website at MyCreditUnion.gov. You will find helpful articles on the cost of education, the power of savings, what to look for when shopping for a mortgage, how to protect yourself from frauds and scams and much more.
National Credit Union Youth Week • April 20 - 26, 2014
Kowabunga! This year during National Credit Union Youth Week, kids will be riding the save wave into the credit union. Whether they've surfed or not, youth love digging their toes in the sand, playing with beach balls, and jumping in the waves. Our kids will have the opportunity to feel like they're at the beach when visiting the credit union as they get tips on how to surf and save. Bring your little saving surfers into the credit union during youth week. We will have treats and give a ways and fun for all! See the links on the left for Save Wave coloring pages!!
UTELFCU would like like our young members to know that there is a cool website by VISA called Practical Money Skills for Life. Click on the picture below to take you there, then click on the games tab. There you will find fun, age-specific games that will teach your children about money and the importance of saving!! Your kids and grandkids are our future...share the credit union opportunity with them!!
For each enrollment in e-Statements, you can stop into the office for your free UTELFCU coffee mug. e-Statment enrollment is quick and easy and can be done by logging into your home banking site (or clicking the image above) and clicking the e-Statement link. Not enrolled in Home Banking with Bill Payment? Sign up is easy! If you live a distance away and it is inconvenient for you to come in, let us know and we will deposit $5.00 to your share account instead! Questions? Call us for details 315/724-5133.
VISA GIFT CARDS...ALWAYS A WELCOME GIFT!!!
UTELFCU is now offering VISA Gift Cards! Choose any amount between $10.00 and $1,000.00! Cards are $3.00 each and can be purchased right at the teller window. A great way to say "Happy Birthday", "Thank You" or "Job Well Done"!! Ask us for details on your next visit to UTELFCU!
The UTELFCU Smart Option Student Loan by Sallie Mae® for borrowers attending degree-granting institutions!
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
The loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. The learn more or to apply, please get started here.
The Smart Option Student Loan features and benefits:
We offer a choice of competitive fixed and variable interest rates providing even more choice and flexibilty
No origination fees and no prepayment penalty
Borrow up to 100% of school certified education costs (minimum $1,000)
Multiple in-school repayment options available
Borrower benefits available - like rewards and interest rate reductions
Rates that reward creditworthy borrowers
Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
Get a quick credit result by applying online. It's quick, easy, and only takes about 15 minutes to apply
24/7 online account management
To learn more or to apply, please get started here.
*We are compensated by Sallie Mae for the referral of Smart Option Student Loan customers.
HOW TO PROTECT YOUR ACCOUNTS...AWARENESS IS THE KEY
We will NEVER tell you via phone, text, or email that your card has been de-activated and for you to call a phone number or link to a website to re-activate it. These scams are looking for you to enter your 16 digit card number, PIN and CVV2/CVC2 code on the back of the card.
EMAIL PHISHING is an email message that asks you to click on a link, which then takes you to a website and then asks you to enter your card information.
LAND LINE TELEPHONE “VISHING” Vishing, (Voice phISHING) is the voice counterpart to phishing. Rather than being directed by e-mail to a Web site, an e-mail message asks the user to make a telephone call. The call triggers a voice response system that asks for the user's card number or other personal or financial information. The initial bait can also be a telephone call with a recording that instructs the user to phone an 800 number or another area code within or outside of the United States. Because people are used to entering card numbers over the phone, this technique can be effective.
TEXT MESSAGE “SMISHING” Smishing (SMS phISHING) is the mobile phone counterpart to phishing. Rather than being directed by e-mail to a Web site, a text message is sent to the user's cell phone or other mobile device with some ploy to click on a link. The link causes a Trojan to be installed in the cell phone or other mobile device.
The Credit Union will NEVER ask you for personal information via text message, email or unsolicited phone calls. If you have any doubt about who is on the phone, call the Credit Union directly or the phone number on your credit or debit card. 24/7 toll-free numbers can also be found on your credit card statement. Never open an unsolicited email or text message. Monitor your accounts on a regular basis. If you have not signed up for online banking, now is a perfect time. Immediately report any suspicious activity or phishing attempts to us as soon as possible so we can alert the proper authorities.