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Family Membership Encouraged! 

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

Equal Housing Lender

 

 

 

 

 

 

Top Sports
Woods Garcia Comment Hurtful Time to Move On ABC News
2013-05-22 13:29:23.0 - Google News

Tiger Woods says the quotfried chickenquot comment from Sergio Garcia was hurtful and inappropriate Two weeks after they verbally sparred at The Players Championship Woods say its time to move on Garcia WoodsJPEG Garcia was at a European Tour - Read the full story here.
Home NHL WCSF Game 4 Sharks Even Up Series At 2 True Home Ice SenShot
2013-05-22 13:27:11.0 - Google News

The series so far has been defined by home ice advantage As in 3 games down 3 wins for the home team If San Jose wanted to stay in this series they need to pulling for that advantage to continue Luckily Im going to include Antti Niemi as home ice - Read the full story here.
Sergio sorry for fried chicken line FOXSportscom
2013-05-22 13:15:57.0 - Google News

Updated May 22 2013 910 AM ET Sergio Garcia apologized for saying he would serve fried chicken while making a joke about having Tiger Woods over for dinner Tiger clearly didnt find it funny THIS IS A FEUD No way Ali vs Frazier now that was a - Read the full story here.
Anchoring putter ban Tim Clark considers legal action BBC Sport
2013-05-22 13:13:26.0 - Google News

South African Tim Clark says he is among quota fair numberquot of players taking legal advice over the ban on the anchoring of putters from 2016 Governing bodies the RampA and the US Golf Association USGA said on Tuesday they had decided to impose the rule - Read the full story here.
Latest buzz Nats spat and more FOXSportscom
2013-05-22 13:03:14.0 - Google News

Even when theyre not on the course Tiger Woods and Sergio Garcia have been dominating the headlines lately and yesterday was no different though this time it was ultimately for all the wrong reasons after Garcia told an unfunny joke at an appearance - Read the full story here.
Spurs Survive Scare In Overtime ESPN
2013-05-22 13:02:11.0 - Google News

SAN ANTONIO When Tony Parker started running low on masterful plays Tim Duncan was there to take over and lead the San Antonio Spurs to a 20 lead in the Western Conference finals Parker had 15 points and a career playoffhigh 18 assists Duncan - Read the full story here.
Roger Goodell says London could host more NFL games Phillycom
2013-05-22 13:02:11.0 - Google News

NFL commissioner Roger Goodell believes football can thrive in England which is why hes considering expanding the overseas schedule according to NFLcom Currently the NFL plays two games in London annually but Goodell now believes that three - Read the full story here.
Soriano disses Harper as Nationals woes continue USA TODAY
2013-05-22 13:01:35.0 - Google News

SAN FRANCISCO Misplaced pitches Punishing walls Unyielding lockers All sorts of factors are conspiring against the Washington Nationals who are finding new ways to turn big preseason expectations into sheer mediocrity Gregor Blanco sent Tuesday - Read the full story here.
Cavaliers win NBA Draft Lottery Reaction on social media Plain Dealer
2013-05-22 12:58:55.0 - Google News

NBA basketball players from left Washington Wizards Bradley Beal Minnesota Timberwolves Kevin Love and Portland Trailblazers Damian Lillard represent their teams during the NBA draft lottery Tuesday May 21 2013 in New York AP PhotoJason - Read the full story here.
Preview Mariners at Angels Chicago Tribune
2013-05-22 12:56:51.0 - Google News

Mike Trout became the sixthyoungest player in majorleague history to hit for the cycle Tuesday as the Los Angeles Angels routed the visiting Seattle Mariners 120 The twogame series concludes Wednesday with Seattle looking to break a fivegame skid - Read the full story here.
Detroit Pistons Joe Dumars totally OK with No 8 draft slot willing to look at big MLivecom
2013-05-22 12:49:54.0 - Google News

andredrummond2013draftlottery52213 Andre Drummond represented the Detroit Pistons at Tuesdays NBA Draft Lottery where the team was placed No 8 in the June 27 draftThe Associated Press AUBURN HILLS As Joe Dumars spoke on a - Read the full story here.
NHL Capsules Sharks tie series with 21 win over Kings Brownsville Herald
2013-05-22 12:45:01.0 - Google News

San Jose Sharks Brent Burns right celebrates his goal with teammates MarcEdouard Vlasic 44 and Justin Braun 61 against the Los Angeles Kings during the first period in Game 4 of their secondround NHL hockey Stanley Cup playoff series in San - Read the full story here.
Three stars Max Scherzer turns in eight excellent innings Miguel Cabrera goes MLivecom
2013-05-22 12:36:08.0 - Google News

Andy Dirks celebrates on his way back to the bench Tuesday night after hitting a solo home run against the Cleveland Indians AP Photo Print middot Chris Iott ciottmlivecom By Chris Iott ciottmlivecom MLivecom Follow on Twitter on May 22 2013 at 833 - Read the full story here.
NBA Draft 2013 Cavaliers will reportedly gauge trade interest with top pick SB Nation
2013-05-22 12:32:43.0 - Google News

With hopes of being competitive by next season Cleveland may deal their top pick this summer Share on Facebook middot Tweet post middot Comments Hours after winning the top pick at the 2013 NBA Draft Lottery the Cleveland Cavaliers have decided they will - Read the full story here.
NHL playoffs Bruins rally in third nip Rangers 21 for 30 series lead SIcom
2013-05-22 12:32:02.0 - Google News

The Bruins fourth line accounted for both of Bostons goals in Game 3 Seth WenigAP By Brian Cazeneuve NEW YORK Up until Tuesday the Rangers had not lost at home during this years playoffs They picked an unfortunate time to do it failing to hold - Read the full story here.
Spurs fan enters Awkward Celebration Hall of Fame WATCH San Jose Mercury News
2013-05-22 12:23:13.0 - Google News

Spurs fan enters Awkward Celebration Hall of Fame WATCH quotGood Job Good Effort Kidquot meet quotWe Did It GuyquotTuesday night the San Antonio Spurs managed to win a dramatic Game 2 against the Memphis Grizzlies in the Western Conference finals - Read the full story here.
Duncan Parker and Spurs survive Game Two overtime to beat Grizzlies The Guardian
2013-05-22 12:18:03.0 - Google News

Link to video NBA playoffs Spurs beat the Grizzlies in Game 2 of the Western Conference finals middot San Antonio Spurs 9389 Memphis Grizzlies OT Spurs lead series 20 The San Antonio Spurs clung on to beat the Memphis Grizzlies in Game Two overtime to - Read the full story here.
NFL news Charles Woodson signs plenty of OTA news SB Nation
2013-05-22 12:05:14.0 - Google News

Free agent safety Charles Woodson signed with the Oakland Raiders and there was plenty of news from OTAs on Tuesday Share on Facebook middot Tweet post middot Comments Tuesday saw two significant signings in the NFL The biggest came late Tuesday - Read the full story here.
2013 NBA Mock Draft In top 10 beauty is in the eye of the beholder SB Nation
2013-05-22 12:05:13.0 - Google News

Who will go No 1 A more interesting question might be who goes 25 as the top nine players are all pretty even in terms of potential Jonathan Tjarks lays out the entire first round in this mock draft Share on Facebook middot Tweet post middot Comments - Read the full story here.
Spurs Hold Off Grizzlies In OT 9389 Take 20 Lead In West Finals The Smoking Section
2013-05-22 12:04:20.0 - Google News

Thank the high heavens for the Buffalo Wild Wings Button For about six and a half quarters the 2013 Western Conference finals was as exciting as the CSPAN channel San Antonio jumped out to an early lead culminating in a 4631 lead at halftime Then - Read the full story here.
Tonight in the NHL Rangers aim to get back in series Comcast SportsNet Philadelphia
2013-05-22 11:55:56.0 - Google News

GREENBURGH NY Dont judge the New York Rangers by the scores of their two losses to the Boston Bruins According to coach John Tortorella the Rangers played much better in the Game 2 blowout than in their overtime defeat in the series opener - Read the full story here.
Mashup TigerSergio feud hits new low WEEIcom
2013-05-22 11:55:25.0 - Google News

The Tiger WoodsSergio Garcia feud hit a new low Tuesday when Garcia joked that he would invite Woods over for dinner during the US Open and serve fried chicken Garcia made the comment during the European Tours awards dinner when the - Read the full story here.
Sixers stay put in lottery have 11th pick in draft Comcast SportsNet Philadelphia
2013-05-22 11:55:18.0 - Google News

NEW YORK No one from the Sixers camp was too excited about showing up at the Millennium Broadway Hotel in Times Square for the NBA draft lottery on Tuesday night After all who wants to go to the prom designed specifically for the guys without dates - Read the full story here.
MLB Wrap Trout hits for cycle in Angels win Comcast SportsNet Philadelphia
2013-05-22 11:55:17.0 - Google News

Mike Trout hit for the cycle and drove in five runs in the Angels 120 win over the Mariners AP CSNPhillycomAP The Phillies bats finally woke up as the offense pounded out seven runs and 15 hits in a 73 win over the Marlins There was bad news before - Read the full story here.
NFL notebook Next draft to be held in May STLtodaycom
2013-05-22 11:50:25.0 - Google News

NFL Commissioner Roger Goodell said the league will move its draft from late April to early or midMay next year to avoid a scheduling conflict at Radio City Music Hall the events longtime home But the announcement and other discussed changes to the - Read the full story here.
Preview Pacers at Heat GlobalPost
2013-05-22 11:42:00.0 - Google News

The last time the Miami Heat had a long layoff between series they came out rusty and dropped Game 1 of the Eastern Conference semifinals The Indiana Pacers who visit the Heat for Game 1 of the conference finals on Wednesday are hoping that same - Read the full story here.
Forget The Stats Forget The Score The Rangers Get Humiliated In Game 3 By WTMM 1045 The Team ESPN Radio
2013-05-22 11:39:54.0 - Google News

I have watched Ranger hockey a long time What took place Tuesday night at Madison Square Garden will easily rank as 1 of the most disappointing nights in this fans memory Forget any of the stats that being shots on goal hits anything The rangers - Read the full story here.
NHL playoffs Sharks beat Kings to tie series 22 STLtodaycom
2013-05-22 11:35:57.0 - Google News

Brent Burns helped San Josejump off to a fast start with his second goal of the postseason and the Sharks tied their secondround series against Los Angeles at two games with a 21 victory over the Kings in Game 4 on Tuesday night Logan Couture followed - Read the full story here.
Pelicans pick 6th WWL First News
2013-05-22 11:29:50.0 - Google News

OK so there was no draft lottery magic for the Pelicans this year like in 2012 when New Orleans earned the top spot in the NBA draft but theres also no player close the caliber of Anthony Davis in this crop of young talent who is the consensus #1 overall pick - Read the full story here.
NBA Playoffs 2013 Heat vs Pacers Game 1 TV Sche FanSided
2013-05-22 11:06:53.0 - Google News

May 20 2012 Indianapolis IN USA Miami Heat small forward LeBron James 6 drives the ball around Indiana Pacers shooting guard Paul George 24 at Bankers Life Fieldhouse Mandatory credit Michael HickeyUSA TODAY Sports The Eastern - 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) 

Click here to get started!  

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.