A Quarterly Publication from allU.S. Credit Union
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FREE Kasasa Checking pays you cash each month
WE LOVE OUR COMMUNITY AND Love to Keep It Clean and Green
NewS you can use
THree Ways Identity Thieves hack you
What's a good use of a home equity loan
SUMMER 2017
allU.S. Credit Union has been awarded the Green Business Certification Award by the Monterey Bay Area Green Business Program for exceeding environmental regulatory requirements, preventing pollution and conserving natural resources. Launched in 2004 by Santa Cruz and Monterey County public agencies and nonprofit organizations, the Green Business Program assists, recognizes and promotes businesses that choose to operate their businesses in a more environmentally responsible way. Businesses like allU.S. seeking to be certified "green” must meet or exceed environmental standards for conserving resources, preventing pollution and minimizing waste, and comply with all environmental regulations. Practices include reducing water consumption, retrofitting lights and other equipment to conserve energy, reducing solid waste going to landfills by minimizing waste and recycling, and implementing practices that reduce pollution and protect worker safety. We are thrilled to receive this distinction. We are committed to operating a green business in an effort to create a healthier community, and over time these improved business practices will make a significant difference in our consumption and environmental footprint. Our previous location on Market Street was also green certified.
WE LOVE OUR COMMUNITY AND LOVE TO HELP KEEP IT CLEAN & GREEN
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Technology can be great, but it can also cause you severe problems. While it can be convenient (online banking, depositing checks with your phone, etc.), identity thieves can steal your personal information very easily. But, if you are vigilant, you can spot problems before they happen and not become a victim. Below are some ways thieves steal your personal information and a few tips to keep your information secure. 1. Password Theft Stealing passwords has earned the top spot in identity theft. That’s because passwords provide thieves access to all of your online information (credit cards, sensitive documents, etc.). Your best defense against password theft is maintaining strong, varied passwords. Experts tell us your passwords should be at least 12 characters, include upper and lower case letters, numbers and symbols. Most importantly, don’t use the same password for all your sensitive accounts. But for extra security, use an online password manager that auto-generates random passwords and stores them for you. 2. Illegal Cameras at ATMs Just when you thought you were safe, password hackers have come up with a new trick to obtain your password at the ATM. Thieves now unobtrusively install an illegal camera at ATMs located over the keypad. When you enter your PIN, the camera catches it. The thieves return to the ATM and retrieve the camera and steal all the information that is on it. How do you prevent this from happening to you? Simply cover your PIN with your other hand when you use an ATM. 3. Fraudulent Accounts in Your Name Identity theft occurs when thieves steal your personal information and use it to open accounts in your name. Depending on how long it takes you to figure out you’ve been hacked, the consequences can range from a slight nuisance to a full financial mayhem. The good news is that most financial institutions like allU.S. Credit Union and credit card companies monitor accountholder activity for suspicious behavior. It’s also important for you to be vigilant and take matters into your own hands. Check your credit report once a year and make sure you recognize all accounts. If you see accounts you can’t identify, make sure you report them immediately.
Three Ways Identity Thieves HACK YOU
Mobile Banking at allU.S. Credit Union puts banking at your fingertips! You’re busy, and managing your money on the go can be a challenge. Now you can stay on top of your finances anytime, anywhere from your web-enabled cell phone or mobile device. Some people have this crazy notion that you have to have a lot of money to make more. Well, they obviously haven't heard of free Kasasa checking. You can have it all! Kasasa checking offers you: Cash rewards every month A totally free account (no monthly service fees, EVER) Refunds on ATM fees across the country Truly personal service Simply choose the account with the rewards you want most. Kasasa Cash – Earn a high rate on your balance plus refunds on your ATM fees. Kasasa Cash Back – Earn cash back on your debit card purchases. Kasasa Tunes – Get reimbursed when you buy your favorite music, movies, apps, games and more. Sign up for our Online Banking, Bill Pay and eStatements for a front row seat to watch your balance build.
FREE KASASA CHECKING Pays You CASH Each Month!
Quick, Simple, Streamlined. Try DocuSign® We can now streamline our document flow and improve convenience and security for our members by easily sending and uploading loan documents for electronic signature. Members can sign documents anytime, anyplace and on any mobile device (iOS, Windows® or Android™).
Holiday Closings The branch will be closed the following days. To access your accounts when we are closed, go online through My eBranch, your online banking, or get cash free of surcharges from one of the 30,000+ CO-OP® ATMs throughout the U.S. Labor Day September 4 Columbus Day October 9 Veterans Day November 10
Employee Promotion Congratulations to Chantal Alcantar, who has been promoted to Loan Processor. She has been with allU.S. for over two years, bringing experience and knowledge to her position. Her outgoing personality and her desire to put the members’ needs first have made her a favorite of the membership. Chantal has shown great leadership and we are pleased to recognize her for her well-earned promotion.
Do You Need Your Password Reset? Have you forgotten your online banking password? Now you can reset it yourself by clicking on the forgot password link and entering your login ID. An email with a temporary password will be sent to your email address we have on file. You must access your new password within 20 minutes or it will expire and another email will need to be sent. If you are having trouble retrieving this email, please contact us at the credit union.
NEWS you can USE
TASTE THE SWEETNESS OF HOME EQUITY Go ahead – treat yourself to a slice of the good life! Your house isn't counting calories; it's building equity...equity you can use now. Just a nibble can remodel your kitchen, replace old furniture and appliances, or land you on a tropical beach. Enjoy a slice of your home's sweet value with a low-interest home equity loan from allU.S. Credit Union. Learn more at https://alluscu.com/loans.cfm or call 831.789.8020.
Steer Clear of Payday Loans
The National Association of Realtors list below highlights home improvements that provide the best return on your investment. New front door • Installing new siding • Upgrading your kitchen An addition like a deck or patio • Converting an attic into a bedroom •• Installing a new garage door Regardless of how you use the equity in your home, keep in mind the interest rate is usually lower than the average credit card or personal loan rate. And, the interest you pay may be tax deductible. Consult a tax advisor for further information regarding the tax deductibility of interest and charges. For these reasons, using the equity in your home to finance home improvements is a popular option. Apply today!
What’s a Good Use of a HOME EQUITY LOAN?
A home equity loan can be a great way to access the equity you have in your home to pay down higher-interest debt, supplement an emergency fund, finance an automobile or make home improvements.
Find, Follow, Friend and Review allU.S. Across the Social Web. Countless conversations take place online every day. We want to provide our members and the community a place to share, communicate and gather information and stories about and with allU.S. You can access the Hub on our website, or if you don’t have access to the internet, come into the branch and log in on our computer to: Give us a review on Google+ and Yelp Like us on Facebook Follow us on Twitter Follow us on Pinterest Review our YouTube videos Subscribe to our mailing list to receive our quarterly newsletter and other product and service promotions. Thanks for connecting with allU.S. Credit Union!
STAY CONNECTED with allU.S. on our Social Media Hub NON-PROFITS With Home Equity Lines of Credit as Low as 2.99% APR!*
I have been a member of allU.S. Credit Union for 27 years. Since the day I became a member they have continually exceeded my expectations. When I walk in, I get to see happy, familiar faces that usually know me by name and get to have a quick chat to see how everything is going. The service is always great and the tellers there are friendly and helpful. What Do I Like the Most About allU.S. Credit Union? I don’t know of any bank that can compare with my credit union. Everyone at the credit union treats customers with respect. They are all so helpful, and most of all very friendly. I get the services of a large bank with the personal service of a small hometown credit union. When any of my friends complain about their banks, I always suggest they try allU.S. Credit Union. I’m a very happy customer! How Is allU.S. Credit Union Positively Different Than Other Banks? allU.S. Credit Union treats their customers like family using their personal touch by providing a warm and friendly atmosphere. I AM PROUD TO BE A MEMBER OF allU.S. Credit Union
Member of the Quarter
On August 21, 2017, people across the United States will see the sun disappear behind the moon, turning daylight into twilight, causing the temperature to drop rapidly and revealing massive streamers of light streaking through the sky around the silhouette of the moon. On that day, America will fall under the path of a total solar eclipse . The so-called Great American Total Solar Eclipse will darken skies all the way from Oregon to South Carolina, along a stretch of land about 70 miles (113 kilometers) wide. People who descend upon this "path of totality" for the big event are in for an unforgettable experience. Everybody is asking, "Where should I go to see the eclipse?" There is no one right answer. Here are several right answers: You should make every effort, if possible, to get into the path of totality on August 21, 2017. If you already live within the path, you're in luck! If not, note that nearly everyone in the continental U.S. lives within a one- or two-day drive of the path. Totality lasts longer toward the center of the path of the moon's shadow than it does near the edge, so the closer you are to the "center line" of the eclipse, the more time you'll have to enjoy the splendors of totality (weather permitting). Being within the path of totality is better than being outside it, but some places within the path may be better than others, depending on your preferences and budget. As described in more detail on this Weather & Climate page, experienced eclipse chasers aim to strike a balance among three factors: duration of totality; local accommodations, amenities and attractions; and the likelihood of clear skies. These considerations often conflict with each other; for example, totality lasts longer in southern Illinois than it does to the northwest or southeast, but the parts of the country most likely to have clear skies in late August are in the northwest. You should have a Plan B in case the weather isn't looking good on eclipse day at your preferred observing location. It'll be helpful if there are good roads heading from your Plan A site to the northwest and southeast along the path of totality.
Total Solar Eclipse 2017
HELP GUIDE YOUR CREDIT UNION INTO THE FUTURE
Your Board of Directors consists of nine credit union members in good standing, and presently there is one Director vacancy. At the following link, you will find the duties and responsibilities for Directors: https://alluscu.com/about_us.cfm. The Board of Directors normally meets monthly on the third Tuesday at 5:30pm at the credit union. Meetings generally last between one and two hours at the most. Additionally, the Board meets annually during the summer for our Strategic Planning Session. This is a full-day commitment held on a weekend day. We encourage you to electronically submit a current resume and a brief narrative explaining your interest in serving on the Board at this email address: newboard_mem@alluscu.com. The Board of Directors will review all submissions and an invitation will be sent to those whom the Board selects to interview. Thank you for your support of allU.S. Credit Union. Please contact Patrick Redo, CEO, at 831.789.8011 with your questions.
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Contact Us 1410 N Main St. Salinas, CA 93906 (adjacent to the El Gabilan Library) 800.692.2228 • 831.540.4627 alluscu.com/contact.cfm alluscu.com Follow Us