News & Information
Alternatives to payday lending loans. 90- day
repayment term, $20 application fee, $500 maximum loan, current
pay stub must be provided to determine maximum loan amount
not to exceed $500, 28% Annual Percentage Rate (APR), built
in savings benefit, must be a member to apply, add 30 days prior to apply this loan, Optional Financial Counseling,
monthly payments, must be current on other First Area loans
and visa payments, cannot be overdrawn in First Area checking
account, no credit reports are pulled. Cannot have more than 3 better choice loans during a rolling 6 month period of time and can only have
one Better Choice Loan at a time. See a loan officer
for more details. Equal housing Lender. This program can
be cancelled at anytime the Board of Directors deems necessary.
Members as of 04/30/07
Member's Life Savings will be grandfathered for existing members at this time, who opened their accounts on or before 04/30/07. Members opening accounts after 05/01/07, will not be entitled to this benefit. If you are unsure of what Member's Life Savings is, please stop into First Area and ask an employee for a brochure which explains the benefit in detail.
The largest surcharge-free ATM network will give First Area
FCU members access to 32,000 ATMs nationwide!! View
the Allpoint website and insert the appropriate zip code
to find ATMs for your convenience. Just a FYI, when you use
the ATM, there will be a message posted about the surcharge
fee being charged to your account. Please disregard this message,
YOU WILL NOT BE CHARGED A FEE.
At First Area FCU, we regularly survey other financial institutions
to compare products and services. You can feel confident your
accounts and services are not only competitive but a great
deal! It's the comfort factor.
Awareness -- Beware Of Phishing Scams!
- Be suspicious of any email with urgent requests for personal
financial information unless the email is digitally signed
(you can’t be sure it wasn’t forged or spoofed.).
Phishers typically: (1)include upsetting or exciting (but
false) statements in their emails to get people to react
immediately; (2)ask for confidential information such as
usernames, passwords, credit card numbers, social security
numbers, account numbers, etc.; and (3)do not personalize
the email message (while valid messages from
your credit union should be).
- Don't use the links in an email to get to any web page
if you suspect the message might not be authentic. Instead,
call the company on the telephone, or log onto the website
directly by typing in the Web address in your browser.
- Avoid filling out forms in email messages that ask for
personal financial information.
- You should only communicate information such as credit
card numbers or account information via a secure website
or the telephone.
- Always ensure that you're using a secure website when
submitting credit card or other sensitive information via
your Web browser. To make sure you're on a secure Web server,
check the beginning of the Web address in your browsers
address bar - it should be "https://" rather than
- Consider installing a Web browser tool bar to help protect
you from known phishing fraud websites.
- Regularly log into your online accounts and don't wait
for as long as a month before you check each account.
- Regularly check your financial institution, credit, and
debit card statements to ensure that all transactions are
legitimate. If anything is suspicious, contact your financial
institution(s) and card issuers.
- Ensure that your browser is up to date and security patches
- Always report "phishing" or "spoofed"
e-mails to the following groups:
- forward the email email@example.com;
- forward the email to the Federal Trade Commission
- forward the email to the "abuse" email address
at the company that is being spoofed;
- when forwarding spoofed messages, always include the
entire original email with its original header information
intact; and .
- notify the Internet Fraud Complaint Center of the
FBI by filing a complaint on their website.
Area Federal Credit Union Does NOT Send Emails To Our Members.