Vol. 41 No. 4 October 2018
Protecting Your ID
Thank You, Vets
Identity theft continues to be one of the fastest growing crimes in the U.S. ID theft is a crime where a thief steals your personal information, such as your full name or Social Security number, to commit fraud. The identity thief can use your information to fraudulently apply for credit, file taxes, or get medical services. Here are some ways to help prevent this from happening to you. * Place outgoing “snail mail” in a secure mailbox. If you don’t have a locked mailbox, pick up incoming mail as soon as possible. * Pay close attention to billing cycles. If a bill doesn’t arrive on time, it’s possible an identity thief has stolen it. * Protect your Social Security number by leaving your card at home in a secure location. Do not carry it with you on a daily basis. Be very careful about giving the number out. * Do not give out any personal information over the Internet, on the phone, or through the mail unless you were the one to initiate contact or you are sure about the identity of the person or the company. * Keep your information safe online. If you shop online frequently, consider having a separate account for your online purchases. Make sure you have virus protection - update it regularly. * Store private documents in a secured location. * Shred documents that you no longer need, including credit card applications, insurance forms, health forms, and billing statements.
As Veteran’s Day nears, the MSU Federal Credit Union would like to extend a heartfelt “Thank You” to the courageous men and women who have dedicated their careers and lives to preserving our freedom in America. Veteran’s Day, held each year on November 11, marks the day when we, as a country, honor all military personnel for their bravery and sacrifice. One of the most well known Veteran’s Day tributes is a wreath-laying ceremony at the Arlington National Cemetery where over 40,000 veterans and their families are buried. Every day, but especially this time of year, remember those who have given so much. Thank an American veteran for their patriotism and willingness to serve for the good of all.
Home Equity Line of Credit
Fixed rate Home Equity
as low as
For a limited time:
as low as
No Closing Cost
some restrictions may apply
*Annual Percentage Rate
Put Your Home’s Equity To Use One of the best ways to pay for home improvements is with a Home Equity Loan. A Home Equity Loan allows you to tap the equity that’s accumulated as the value of your home has risen at the same time the amount you owe on your mortgage loan has dropped. You may get an immediate payback if the improvements make your home more energy efficient, therefore lowering your utility bills. In the future, the improvements may make your home more attractive to buyers. So put that equity to good use. Call or stop by the credit union today for details.
Share The Benefits Of Credit Union Membership Friends don’t let friends, nor their family members, pay too much for financial services. That’s why you’ll want to share with them the benefits of belonging to the credit union. Here’s where they will not only find competitive rates on savings and loans, but a variety of products and services to help them manage their personal finances. The credit union is a not-for-profit financial cooperative that exists only to serve its members. So please pass the word about the credit union difference. Your friends and family will thank you for helping them discover that difference and how it can help them achieve their financial goals. Our field of membership includes: employees or family from these entities: Murray State University Calloway County Schools Murray-Calloway Co Hospital Murray Independent Schools
Happy Birthday International Credit Union Day! Thursday, October 18th is International Credit Union Day, and this year is the 70th anniversay 70th of the celebration of the credit union difference. Since 1948, the third Thursday of October has been set aside to recognize the role credit unions play in improving the lives of their members. From Australia to Zimbabwe and everywhere in between including your MSU Federal Credit Union we are celebrating 70 years of YOU! It’s a day to look back, look around and look ahead as we honor our past, take stock of the present, and prepare for the future. It’s also a great day to say thank you to you, our member-owners, for your participation in the credit union. As you take advantage of all the benefits of belonging, you’re not only helping yourself, but helping your fellow members. That’s the reason credit unions exist, and that’s worth celebrating. The Holidays are even happier when you use your MSU Credit Union VISA Rewards card!
With Sprint, You Get The Latest Iconic Devices and the BEST Unlimited. This promotion can be combined with Sprint Credit Union Member Cash Rewards. Here’s how the program works: •Members get a $100 cash reward for each new line activated up to 3 lines when you switch to Sprint. •Current Sprint customers will receive a $50 cash reward for every line transferred into Sprint Credit Union Member Cash Rewards. •Plus, get a $50 loyalty cash reward every year for every line. Here’s how to sign up for Sprint cash rewards: 1. Become a Sprint customer. 2. Register at LoveMyCreditUnion.org/SprintRewards or in the Love My Credit Union Rewards® app. Fall Into A Lower Rate Vehicle Loan You love your new wheels. The monthly payments? Not so much. It may be time for a do-over. Bring your vehicle loan to the credit union and we’ll help you figure out if refinancing your loan here is in your best interest. If you’re in the market for a new vehicle stop by and see us for your best rate.
Take Advantage Of Our Low-Rate Credit Card As a MSU Federal Credit Union member you have access to many perks and privileges including those offered by our low-rate credit card. Why not take advantage of this affordable, versatile financing tool? Whether you’re using it for daily expenses, debt consolidation, large purchases, or to build credit history, a VISA Rewards credit card is the card that should be in your wallet. In addition to a low, fixed rate, our card offers: * No annual fee * No balance transfer fee * No over limit fee * No cash advance fee * Rewards programs Reap the benefits of the lowest rates around! Apply for your MSU Federal Credit Union VISA Rewards credit card today. Give us a call or stop in today to apply.
Have a Safe Halloween
New Car Rate
Used Car Rate
as low as
as low as
APR* APR* These low rates apply to new purchases or you can move an existing loan from another financial institution. Call or stop by the credit union for details. Available for a limited time *Annual Percentage Rate
270-809-6666 The mission of the MSU Federal Credit Union is to provide services to improve the economic and social well-being of its members by providing financial services, while maintaining a degree of equity that assures its safety and continuous operation as a financial institution. Board of Directors Larry Anderson Scott Barnes Stephen Cobb David Durr Carmen Garland Larry Guin Dannie Harrison Rhonda Lamb Cadelia Turpin
NIGHT DEPOSIT is available for your convenience
STAFF Supervisory Committee Mary Smith Gayle Vinson Debbie Wagoner News Editor Shad Young
National Credit Union Administration, a U.S. Government Agency
Your savings federally insured to at least 250,000 and backed by the full faith and credit of the United States Government
HOURS 9:30 a.m. to 4 p.m. Monday –Thursday 9:30 a.m. to 5 p.m. Friday
Janet Manning – CEO/Loan Officer Martha Green – Assistant Manager Lydia Starks – Loan Officer/New Accounts Clerk Shad Young – Head Teller/Insurance Clerk
We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act NMLS Institution #1048058
Fall 2018 Newsletter