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FAMILY MEMBERSHIP ENCOURAGED!

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UTELFCU is your exclusive home-town financial institution!

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AUTO LOANS!

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 MORTGAGES!

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HOME EQUITY

LOANS!

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PERSONAL

LOANS!

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CONSOLIDATION

LOANS!

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VISA® CREDIT CARDS WITH SCORECARD REWARDS!!!

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This Credit Union is federally insured by the National Credit Union Administration

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Equal Housing Lender

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DEDUCT-A-BUCK

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HOW TO PROTECT YOUR ACCOUNTS...AWARENESS IS THE KEY

We will NEVER tell you via phone, text, or email that your card has been deactivated 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. If you receive unsolicited or unfamiliar email requests you should either delete them immediately or confirm through other means that the email is legitimate before opening it. If you receive such an email request, do not open it, do not click on its links, do not open its attachments, and do not reply or forward it.

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.