OPTIONAL PAYMENT PROTECTION AND LIFE INSURANCE AVAILABLE TO QUALIFIED BORROWERS!
STILL OFFERING OUR MEMBERS THE BEST VEHICLE LOAN RATES IN THE AREA!!
We also offer Mortgages, Home Equity Line of Credit , Home Improvement, Personal and Debt Consolidation loans.
NEW Vehicles 48 MO.
4.99%
NEW 49-60 MO.
5.25%
USED
5.50%
Deposits insured up to $250,000 by the NCUA, a U.S. Government Agency.
HOME EQUITY LINE OF CR..
We offer variable rate open end home equity loans. The rate is determined by the 6 month Treasury (T bill) rate plus 3.50% with a floor of 4.80% and a ceiling of 16%. The percentage rate can be adjusted 4 times a year with a maximum rate change of 1% per adjustment and a maximum annual increase/decrease of 4%.
The maximum amount of the credit line is $100,000 and the minimum is $5,000. The maximum period for repayment is 15 years. (180 months)
Temporary Disability Insurance is available to qualified borrowers with the cost added to the principal balance of the loan.
Appraisal fee (prices may vary) is not refundable. All loans will utilize full real estate loan closing procedures. Cost is $500 (plus title insurance if first lien).
If you are considering home improvements, bill consolidation, buying a new boat or other major expense, the home equity line of credit may be for you. In most cases, the interest on this loan is tax deductible.
Call us at (315) 724-5133 for an application.
TWO LOAN SPECIALS TO BRING IN THE NEW SEASON! CALL (315) 724-5133 FOR DETAILS!
BACK TO SCHOOL LOAN SPECIAL!
6.50% APR*
*Annual Percentage Rate. Limited time offer. Promo rate ends October 29, 2010. Loans subject to approval. Excludes existing UDTEFCU loans. VISA is excluded. Minimum loan amount is $500. Maximum amount is $5000. Maximum term 36 months.
AND
POWERTOYS AT A POWER RATE!!!
5.00%APR*
*Annual Percentage Rate. Loans subject to approval. Excludes existing UDTEFCU loans. Special promotional rate is good on recreational vehicles only until further notice. Call (315) 724-5133 for details today!
Utica District Telephone EFCU Members: Shop, Save and Get Cash Back with Shop America
It’s no secret that most people shop online these days. Thanks to a partnership with Invest in America, Utica District Telephone EFCU can help you save and get money back when you shop. Just use Shop America and get rewarded with great discounts and cash back – just for being loyal to your favorite online stores.
With Shop America, members like you have access to more than 1,20 online retailers, including some the largest and most popular, giving you major discounts when you shop. And every time you earn $10 ormore in cash back from your purchases, you’ll get a check as a thank you!
So whether you’re looking to shop online with Target, Macy’s, Best Buy, Apple or hundreds of other stores, you can save and get paid to shop. Don’t forget to make your Shop America purchases with your Utica District Telephone EFCU VISA Credit or Debit card.
Shop America. Shop anytime. Easy online access. Speak to a member representative or visit www.lovemycreditunion.org/Shop_America_585.html for details on Shop America and the other Member Rewards partner offers from Invest in America.
UTICA DISTRICT TELEPHONE EFCU COLLEGE STUDENTS..."GET CARDUCATED".
See the link on the left for more information. Contest rules are available for review in the lobby of the credit union.
SUPPORT MUNICIPAL DEPOSITORY CHOICE. LET LOCAL GOVERNMENT DO BUSINESS WITH CREDIT UNIONS!
DURING YOUR NEXT VISIT TO THE CREDIT UNION TAKE TIME TO FILL OUT THE POST CARD ABOVE. LET YOUR VOICE BE HEARD ON THIS IMPORTANT ISSUE!
IMPORTANT UPDATE TO VISA CREDIT CARD DISCLOSURE.
You should read the copy of the addendum of the VISA disclosure by clicking on the Credit Card Addendum link in the left side under UTEL.NET NEWS requesting it to be mailed to you, sent to you via email or by calling us at (315) 724-5133. (if this is a long distance call for you, you may call us collect for this purpose
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.
LOCATION AND CREDIT UNION OFFICE INFORMATION
Utica District Telephone Employees Federal Credit Union
Audio Response (24 Hour, 7 Days a Week) 1-800-806-7923
Report Lost/Stolen VISA Debit card: 1-888-241-2510
Report Lost/Stolen VISA Credit card: 1-800-543-5073
IMPORTANT CHANGE
Perhaps you've heard or read about Check 21, and are wondering what it's all about. For many, it may mean more bounced checks, as float essentially disappears, and creates a new negotiable instrument called a "substitute check".
The Check Clearing for the 21st Century Act (Check 21) will cut the time it takes a check to clear from days to hours. If you need to change your checking habits, do so before it is too late. Consider signing up for Home Banking!
To make check processing faster, federal law permits banks and credit unions to replace original checks with "substitute" checks. These checks are similar in size to original checks with a slightly reduced image of the front and back of the check. You may use these checks as proof of payment just like the original check. If you request a copy of a check, it may be a substitute. Look for full disclosure in the near future.
