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.
Mortgages!
Home Equity Loans!
Personal Loans!
Debt Consolidation Loans!
VISA® Credit Cards!
Deposits insured up to $250,000 by NCUA, a U.S. Government Agency
Police are investigating after a New York college student was killed in an offcampus house during an early morning breakin casting a pall over the campus and commencement ceremonies APTOPIX Hofstra Student ShotJPEG Police say Hofstra University
- Read the full story here.
CNN Federal transportation investigators will work to determine what caused two passenger trains to collide during rush hour in Connecticut sending dozens to the hospital Officials from the National Transportation Safety Board will be at the site of the
- Read the full story here.
A Mega Millions jackpot advertised at 190 million has been won by two tickets one sold in New Jersey the other in Virginia They matched all the numbers drawn Friday night 11 15 35 43 and 49 with a Mega Ball of 41 Winners usually take the cash
- Read the full story here.
ATLANTA The winning numbers in Friday evenings drawing of the Mega Millions game were 1115354349 Mega Ball 41 eleven fifteen thirtyfive fortythree fortynine Mega Ball fortyone Estimated jackpot 190 million Copyright 2013 The
- Read the full story here.
In Washington there is a by now hackneyed but still useful expression Kicking the can down the road It means putting off dealing with a difficult problem until some unspecified time in the future in the hopes that in the meantime some solution to the problem
- Read the full story here.
People who were missing in the wake of the destructive tornadoes in north Texas have been found safe officials said Friday and residents will be able to return to the hardhit area today to survey damage to their homes The Hood County Sheriffs Office said
- Read the full story here.
The Powerball jackpot jumped Friday to 600 million Heres a look at the top 10 world record lottery jackpots 1 6560 million Mega Millions March 30 2012 3 tickets from Kansas Illinois and Maryland 2 5875 million Powerball Nov 28 2012 2 tickets
- Read the full story here.
ATHENS Ladonna Lewter escaped the devastation of tornadoes that struck Limestone County in 2011 and 2012 On Friday afternoon she looked out the front windows of her store and saw the sky swirl Tornados touched down at least twice striking
- Read the full story here.
Related Pictures Dozens injured in Connecticut commuter train derailment FAIRFIELD Conn AP Public safety officials in Connecticut say about 50 people have been hurt after two commuter trains collided outside New York City Four of those injuries
- Read the full story here.
Frances president has signed into law a controversial bill making the country the ninth in Europe and 14th globally to legalise gay marriage On Friday the Constitutional Council rejected a challenge by the rightwing opposition clearing the way for Francois
- Read the full story here.
Two days after tornadoes tore through the Granbury area volunteers worked to clear debris while officials warned against scammers shooed away gawkers and dispensed a shred of good news The official death toll of six would at least go no higher At this
- Read the full story here.
President Barack Obama wasnt involved in the IRS decision to target conservative groups He didnt know about the Justice Departments decision to subpoena the telephone records of the Associated Press The CIA and State Department not anyone at
- Read the full story here.
LAS VEGAS Over a day of oftenvitriolic cross examination OJ Simpsons former defense attorney faced a barrage of pointed challenges that his representation was so shoddy and even duplicitous that the fallen football star deserves a new trial in a 2008
- Read the full story here.
LAS VEGAS AP OJ Simpsons former lawyer defended himself pointbypoint Friday against allegations he botched the former football stars armedrobbery trial after giving damaging testimony that Simpson actually knew his buddies had guns when
- Read the full story here.
WASHINGTON By Thursday after a week of fallout from a growing IRS scandal and the Department of Justices raid on journalists records Tennessees senior senator wasnt the first Republican to link President Barack Obama with President Richard
- Read the full story here.
The ousted head of the IRS went on the defense yesterday during a Congressional hearing investigating the agencys targeting of conservative groups claiming he never lied in previous testimony and didnt have any names to offer lawmakers as they
- Read the full story here.
Former dictator Jorge Rafael Videla who took power over Argentina in a 1976 coup and led a military junta that killed thousands of his fellow citizens has died in his sleep while serving life in prison for crimes against humanity
- Read the full story here.
A federal judge yesterday rejected a request by lawyers for accused Boston Marathon bomber Dzhokhar Tsarnaev to allow them to take periodic photos of the 19yearold bombing suspect to show changes in his physical and mental condition and help
- Read the full story here.
Powerball mania has pushed tonights jackpot to a jobquitting islandbuying 600 million the third largest in Lottery history leaving wouldbe millionaires racing to corner stores Its practically nonstop said Brandon Laporte who works at the Howe
- Read the full story here.
Powerball lottery ticket sales hit uncharted territory Friday as the jackpot soared above 600 million setting a new record for the game and creating lavish dreams for players across the country The astronomical odds for winning the prize one in 175000000
- Read the full story here.
Two MetroNorth Railroad commuter trains collided today in Bridgeport Connecticut injuring dozens of people and halting Amtrak service between New York and Boston in one of the worst US rail accidents since 2008 Connecticut Governor Dannel Malloy
- Read the full story here.
OJ Simpson planned sting operation according to his exlawyer Galanter On Friday OJ Simpsons exlawyer Yale Galanter was on the stand He denied Simpsons Children with rich parents perform better than children from middleclass middot Children with
- Read the full story here.
Two commuter trains serving New York City collided in Connecticut during Fridays evening rush hour sending 60 people to the hospital including five with critical injuries Gov Dannel Malloy said About 700 people were on board the MetroNorth trains
- Read the full story here.
FAIRFIELD Conn Two commuter trains serving New York City collided in Connecticut during Fridays evening rush hour sending 60 people to the hospital including five with critical injuries Gov Dannel Malloy said About 700 people were on board the
- Read the full story here.
A Hofstra University student was shot dead Friday when an armed intruder burst into her home and held several students hostage until he was killed in a hail of police bullets Andrea Rebello 21 was shot to death around 230 am in the Long Island house
- Read the full story here.
Boston Marathon bombing suspect Dzhokhar Tsarnaev wont be indicted within the 30day period prescribed under the Federal Speedy Trial Act but prosecutors said Friday they would ask for more time Sunday marks 30 days since Tsarnaev was arrested
- Read the full story here.
As the Powerball jackpot soared to a record 600 million on Friday and likely to rocket even higher before Saturdays drawing thousands of Bay Area hopefuls streamed into liquor stores gas stations and other venues to buy into the game on the slim
- Read the full story here.
Emergency workers arrive at the scene of a train collision in Fairfield Conn on Friday A commuter train heading east from New York City derailed and collided with another train in Fairfield Conn during the busy Friday evening rush hour injuring 60 people
- Read the full story here.
NFL rules prohibit Kyle Long from participating in the remainder of the Bears offseason program because of Oregons academic calendar But at least the teams firstround draft pick will not have to worry about a contract while hes away Long agreed to terms
- Read the full story here.
Between 20 and 50 people were hurt as a commuter train headed from Connecticut to New York city derailed and was hit by a train headed in the opposite direction commuter train collision Emergency workers arrive the scene of a train collision Friday in
- Read the full story here.
*** The Credit Union will be closed on Monday, May 27th in observance of Memorial Day***
Important--New Security Enhancement to Virtual Branch
On 06/20/13, we will upgrade Enhanced Authentication. Beginning on 06/20/13, the image that currently appears above the Security Code will no longer be displayed. After you log on, you will be prompted to re-enroll in Enhanced Authentication by selecting new security questions and a Security Phrase. After enrollment, when you logon, this phrase will display in the same place as the previous image. For addtitional details about the change, CLICK HERE
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Take action by contacting your legislators. Click here to voice your concern today!!!
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Do your Kids belong to the Telly the Turtle Club?
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.
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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!
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Private Student Loans® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of your education expenses.
The Utica District Telephone EFCU* Smart Option Student Loan
24/7 online account management
New interest rate type for Academic Year 2012-13. We now offer competitive fixed interest rates in addition to our low variable interest rates providing even more choice and flexibility.
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
Fast Online Application. Our easy-to-complete application takes about 15 minutes. It's quick and easy
Borrow up to 100% of school certified education costs (minimum $1,000)
Now you can pay for college the smart way with three great repayment options and competitive interest rates!
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Worried about Fraud and Identity Theft?
UTELFCU would like to remind you that we are in partnership with AlertMe, a credit-monitoring service designed to help members fight identity theft which is a growing problem that affects millions of Americans. AlertMe gives early warning of activity on your credit report. Since credit report activity can be a sign of possibile identity theft, early detection can help you catch problems quickly to minimize losses.
AlertMe monitors your Experian credit file daily. New accounts, credit cards over the credit limit, and address changes are just a few of the items AlertMe monitors. If an activity occurs, AlertMe will send you an email alerting you to the activity. You can log into the AlertMe website to read details about the activity and determine if it is suspicious. AlertMe will also send an email to remind you to order your annual free credit reports!
The AlertMe cost is $4.25 per month. Quarterly and annual plans are available at a reduced rate. To enroll or learn more, simply click on AlertMe on the left side of this webpage, the left side of the Virtual Branch login page or visit https://www.virtualbranchservices.com/alertme/login.jsp?rtn=22137692
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Paying too much for your prescriptions?
As a member of UTELFCU you are automatically eligible for a FREE prescription discount card.
RxSavingsPlus is now available to you to provide another way to make your prescription medications that are not covered by your insurance more affordable. Click on the banner above or stop in to our office to pick up your FREE discount card. Another benefit to your membership from UTELFCU.
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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 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.
Police are investigating after a New York college student was killed in an offcampus house during an early morning breakin casting a pall over the campus and commencement ceremonies APTOPIX Hofstra Student ShotJPEG Police say Hofstra University
- 
CNN Federal transportation investigators will work to determine what caused two passenger trains to collide during rush hour in Connecticut sending dozens to the hospital Officials from the National Transportation Safety Board will be at the site of the
- 
A Mega Millions jackpot advertised at 190 million has been won by two tickets one sold in New Jersey the other in Virginia They matched all the numbers drawn Friday night 11 15 35 43 and 49 with a Mega Ball of 41 Winners usually take the cash
- 
ATLANTA The winning numbers in Friday evenings drawing of the Mega Millions game were 1115354349 Mega Ball 41 eleven fifteen thirtyfive fortythree fortynine Mega Ball fortyone Estimated jackpot 190 million Copyright 2013 The
- 
In Washington there is a by now hackneyed but still useful expression Kicking the can down the road It means putting off dealing with a difficult problem until some unspecified time in the future in the hopes that in the meantime some solution to the problem
- 
People who were missing in the wake of the destructive tornadoes in north Texas have been found safe officials said Friday and residents will be able to return to the hardhit area today to survey damage to their homes The Hood County Sheriffs Office said
- 
The Powerball jackpot jumped Friday to 600 million Heres a look at the top 10 world record lottery jackpots 1 6560 million Mega Millions March 30 2012 3 tickets from Kansas Illinois and Maryland 2 5875 million Powerball Nov 28 2012 2 tickets
- 
ATHENS Ladonna Lewter escaped the devastation of tornadoes that struck Limestone County in 2011 and 2012 On Friday afternoon she looked out the front windows of her store and saw the sky swirl Tornados touched down at least twice striking
- 
Related Pictures Dozens injured in Connecticut commuter train derailment FAIRFIELD Conn AP Public safety officials in Connecticut say about 50 people have been hurt after two commuter trains collided outside New York City Four of those injuries
- 
Frances president has signed into law a controversial bill making the country the ninth in Europe and 14th globally to legalise gay marriage On Friday the Constitutional Council rejected a challenge by the rightwing opposition clearing the way for Francois
- 
Two days after tornadoes tore through the Granbury area volunteers worked to clear debris while officials warned against scammers shooed away gawkers and dispensed a shred of good news The official death toll of six would at least go no higher At this
- 
President Barack Obama wasnt involved in the IRS decision to target conservative groups He didnt know about the Justice Departments decision to subpoena the telephone records of the Associated Press The CIA and State Department not anyone at
- 
LAS VEGAS Over a day of oftenvitriolic cross examination OJ Simpsons former defense attorney faced a barrage of pointed challenges that his representation was so shoddy and even duplicitous that the fallen football star deserves a new trial in a 2008
- 
WASHINGTON By Thursday after a week of fallout from a growing IRS scandal and the Department of Justices raid on journalists records Tennessees senior senator wasnt the first Republican to link President Barack Obama with President Richard
- 
The ousted head of the IRS went on the defense yesterday during a Congressional hearing investigating the agencys targeting of conservative groups claiming he never lied in previous testimony and didnt have any names to offer lawmakers as they
- 
Former dictator Jorge Rafael Videla who took power over Argentina in a 1976 coup and led a military junta that killed thousands of his fellow citizens has died in his sleep while serving life in prison for crimes against humanity
- 
A federal judge yesterday rejected a request by lawyers for accused Boston Marathon bomber Dzhokhar Tsarnaev to allow them to take periodic photos of the 19yearold bombing suspect to show changes in his physical and mental condition and help
- 
Powerball mania has pushed tonights jackpot to a jobquitting islandbuying 600 million the third largest in Lottery history leaving wouldbe millionaires racing to corner stores Its practically nonstop said Brandon Laporte who works at the Howe
- 
Powerball lottery ticket sales hit uncharted territory Friday as the jackpot soared above 600 million setting a new record for the game and creating lavish dreams for players across the country The astronomical odds for winning the prize one in 175000000
- 
Two MetroNorth Railroad commuter trains collided today in Bridgeport Connecticut injuring dozens of people and halting Amtrak service between New York and Boston in one of the worst US rail accidents since 2008 Connecticut Governor Dannel Malloy
- 
Two commuter trains serving New York City collided in Connecticut during Fridays evening rush hour sending 60 people to the hospital including five with critical injuries Gov Dannel Malloy said About 700 people were on board the MetroNorth trains
- 
FAIRFIELD Conn Two commuter trains serving New York City collided in Connecticut during Fridays evening rush hour sending 60 people to the hospital including five with critical injuries Gov Dannel Malloy said About 700 people were on board the
- 
A Hofstra University student was shot dead Friday when an armed intruder burst into her home and held several students hostage until he was killed in a hail of police bullets Andrea Rebello 21 was shot to death around 230 am in the Long Island house
- 
Boston Marathon bombing suspect Dzhokhar Tsarnaev wont be indicted within the 30day period prescribed under the Federal Speedy Trial Act but prosecutors said Friday they would ask for more time Sunday marks 30 days since Tsarnaev was arrested
- 
Emergency workers arrive at the scene of a train collision in Fairfield Conn on Friday A commuter train heading east from New York City derailed and collided with another train in Fairfield Conn during the busy Friday evening rush hour injuring 60 people
- 
NFL rules prohibit Kyle Long from participating in the remainder of the Bears offseason program because of Oregons academic calendar But at least the teams firstround draft pick will not have to worry about a contract while hes away Long agreed to terms
- 
Between 20 and 50 people were hurt as a commuter train headed from Connecticut to New York city derailed and was hit by a train headed in the opposite direction commuter train collision Emergency workers arrive the scene of a train collision Friday in
- 
24/7 online account management