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News & Information

*NEW* Better Choice Loans
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.

Existing 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.

Surcharge-Free ATM Network
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.


The Comfort Factor

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.

Member 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 Beware of Phishingfrom 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 just http://.
  • 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 applied.
  • Always report "phishing" or "spoofed" e-mails to the following groups:
    • forward the email;
    • forward the email to the Federal Trade Commission at;
    • 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.

First Area Federal Credit Union Does NOT Send Emails To Our Members.