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NCCU to Donate $250 to Members' Choice

NCCU is honored to be part of the vibrant Northern Colorado community. Throughout the year, we make several contributions to nonprofit organizations. Colorado Gives Day is December 4th and we've decided that this year, we want you to help decide where a portion of our contribution goes. We will be accepting nominations for the donation recipient until October 26th. Then we will open up voting for the month of November. The winning organization will receive a $250 donation on Colorado Gives Day. 

VOTING IS NOW CLOSED VIEW THE 2018 NOMINEES

5th Annual Car Show

NCCU is excited to announce our 5th Annual Car Show on Sunday, September 30, 2018 at our Greeley location at 2901 South 27th Avenue. Event-day Registration will be 8-9 a.m. and the show will be 9 a.m.-1 p.m., with awards and door prizes being announced towards the end. We will feature a burnout competition and have fun activities for kids. We will also have K9 teams from the Weld County Sheriff Department and the Greeley Police Department performing demonstrations.

While registration is free, a $10 donation is suggested. All donations will go towards purchasing protective gear and providing for the care and maintenance of the K9 units of the Weld County Sheriff Department. Click HERE to register online. The first 50 online entries will receive a free gift!

          Best In Show Sponsor:                                        Best Motorcycle Sponsor:                                                 Best of 1990-New Sponsor:

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New Berthoud Location is Open For Business

We kicked off summer with the opening of our new branch in Berthoud, CO. The community has been very welcoming to us and we have had a ton of fun getting to know our new neighbors. On June 2nd, we participated in Berthoud Day as the main stage sponsor, as well as a booth in the park and participation in the parade. On June 19th we held our official Grand Opening and ribbon cutting with the Berthoud Area Chamber of Commerce. We are excited to serve this thriving, close-knit community.

Mobile App Updates

We recently released a new feature for our mobile app that will allow users to log in using a PIN, facial recognition or fingerprint recognition, depending on the device's capabilities. Be sure to run the update on your mobile device to take advantage of these new features. After updating, the app will walk you through the few easy steps to set up your preferred method of authentication.

Compete to Beat Hunger Another Huge Success

We  once again participated in Compete to Beat Hunger (C2BH) to benefit Weld Food Bank. In this campaign, we  competed against other local businesses to raise the most food and monetary donations. With 1 in 4 children in Weld County struggling with hunger, we know that the need is great, but together we can meet that need. For every $1 that is donated, Weld Food Bank is able to provide 5 healthy meals.With the help of our members and neighboring businesses, we were able to provide more than 6500 meals for families in Weld County.

Fraud Alert: How to Keep Your Accounts Safe

Scam artists are rampant and are always looking for new ways to get hold of your money. A recent scam going around the Weld County community is a phone call from someone claiming to be from Publishers Clearing House about winning millions of dollars. The caller requires a money transfer of a few thousand dollars for tax purposes in order to get the millions. The money is sent off to a stranger and no money is ever sent to the "winning" recipient.

A scam like this is designed to con individuals out of their money, and once that money is sent off it is almost impossible to get that money back. Other types of scams require an individual to deposit a check that is usually within the $1,000 to $3,000 range. The check's recipient is then required to transfer a sum of the money to a "third party" for various reasons (to pay for airfare, pay for an item, for taxes, etc.). The remaining funds are supposed to be for the individual, but the check is fraudulant, which results in the individual losing thousands of dollars. These scams are quite common, but with a little education they are easily avoidable.

Here are a few tips to keep you and those you care about safe from these types of scams

  • Don’t give out personal information about yourself to someone you don’t know
  • Never send money to someone you don’t know through money transfer services or online
  • Do not deposit checks from someone you don’t know (many fraudulent checks look legitimate)
  • Shred documents containing personal information (watch for our "Shred Fest" days)
  • Frequently check account activity to catch any odd charges (NCCU offers free online banking)
  • If you are unsure about a situation, do research. A legitimate company or representative will understand
  • If you beleive you have been involved with a scam, contact your credit union and local law enforcement as soon as possible

If you believe you have been involved in a scam, contact your bank and local law enforcement as soon as possible.

For More Information on Safety Tips or to learn more about the most current scams:

https://www.fbi.gov/scams-safety/be_crime_smart/

Identity Theft

Northern Colorado Credit Union wants you to hold onto your most valuable assets. Your identity and your money are important to you. The most recent data breach through Anthem means it's important to be diligent when it comes to your identity and the security of your money.

Identity theft happens when someone steals your personal information and uses it without your permission. It’s a serious crime that can wreak havoc with your finances, credit history, and reputation—and can take time, money, and patience to resolve.

Recent News about Anthem

FTC Article: Hack Attack: Health insurer’s customer information stolen

Wall Street Journal: Health Insurer Anthem Hit by Hackers

Warning from the BBB

Very good article from SOS -Stickley On Security

Here is some great information from the Federal Trade Commission about Identity Theft: Click Here

Steps you can take to protect yourselves:

  1. Accept credit monitoring services immediately.
  2. Call one of the credit bureaus and put a "Fraud Watch" on your SSN. You only need to call one because by law they are required to contact the other two to ensure they also set up a fraud watch on your behalf. It is free, but only lasts for 90 days, so set a reminder to have it refreshed.
  3. Get a free credit report every 4 months. Each credit bureau is required to provide a free credit report once a year. So stagger each of the three so you can spot any fraud. Visit annualcreditreport.com to get started.
  4. Watch for phishing scams—emails designed to look like they are from Anthem that attempt to get you to click on a link, download a file or enter login credentials. The criminals will attempt to deliver malware that can have a number of different affects. Online banking malware is growing faster than any other, and this helps a criminal gain access to your financial accounts.
  5. Watch for a noticeable increase in credit card offers. If someone attempts to get a credit card in your name, that information is picked up by all the credit card companies and they will send you offers.

NEVER give out sensitive information over the phone or email, especially with calls that you do not initiate yourself. Sensitive items can be your account number, debit card number, or social security number.

You can order a free credit report once every 12 months from each of the three major credit bureaus at www.annualcreditreport.com.

Did you know your NCCU debit card comes with FraudWatch Plus 24-hour protection?

Enroll in home banking and be able to check your account online 24/7.

Report a lost or stolen debit card/credit card.

For your added protection, you can keep transactions private with your online NCCU debit card purchases with MasterCard® Online SecureCode Registration. (What is MasterCard® Securecode?)
All of our credit cards have VISA® Fraud Prevention as well.

NEVER give out sensitive information over the phone or email, especially with calls that you do not initiate yourself. Sensitive items can be your account number, debit card number, or social security number.

There are also phishing scams that try and solicit sensitive information through an email or a website.

If you ever feel unsure, contact us directly and speak with someone personally about your account. We're happy to take the extra time to assure you your accounts are safe with us.

More Information

"IDENTITY Theft" (Federal Trade Commission)
FTC online complaint form
State of Colorado ID theft & fraud resources
ID theft repair kit

 

Financial Literacy - Be Smart About Your Money

Looking for a quality resource when it comes to managing your money? Here are some great resources that can help you navigate the finance world and make your money work harder for you.

SmartAboutMoney.org
10 basic steps to help you get started and get smart about your money
www.mymoney.gov

Regarding www.mymoney.gov: the Financial Literacy and Education Commission has developed a new national strategy to promote financial literacy and education. Going to college? Buying a home? Planning for retirement? Whether you're a Gen Y, parent, or even a retiree, this is a great place to brush up on your financial knowledge.

Insurance

Auto Insurance

TruStage is insurance the credit union way. Our insurance products and programs are made available through TruStage Insurance Agency and offered only to credit union members. Today, more than 15 million members rely on our products, programs, services, expertise and experience. With a commitment to dependability and a members-first philosophy, we help you protect what matters most.

 

Homeowners Insurance

Credit union members get discounted rates through the TruStage Auto & Home Insurance Program. Our homeowners insurance coverage will protect your home and other structures on your property from all kinds of losses. Your possessions will be covered, too, as well as liability claims by someone else. You know why it's important. But why pay more than you have to? Get your discounted rate quote now from our trusted partner, Liberty Mutual Insurance.

Life Insurance

TruStage offers a full range of life insurance products designed to work comfortably within your budget. Life insurance doesn’t have to be complicated. We’ll walk you through your options and help make sense of the benefits and tradeoffs. The fact is, life insurance is one of the greatest gifts you can give your family—and you can begin today!

 

Our products are available from TruStage Insurance Agency and are underwritten by Liberty Mutual Insurance.

To schedule an appointment with a Liberty Mutual representative and receive a personalized quote from Northern Colorado Credit Union, call or email:

Dan Klith at 303-420-3222 x56470 or dan.klith@libertymutual.com

Your Federally Insured Funds

At Northern Colorado Credit Union, your deposit accounts are insured up to $250,000. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 increased the level of insurance permanently. The National Credit Union Administration, commonly referred to as NCUA, is the federal government agency that charters and supervises federal credit unions. NCUA also operates and manages the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the full faith and credit of the U.S. government.

Find out more about NCUA Insurance and your specific coverage:

Credit Unions vs. Banks

One of the biggest reasons a credit union is different than a bank is that we put people before profits—period! Because we are a financial cooperative, members are our owners… stockholders aren't. And as a member, you are our priority, so we can keep our loan rates and fees low just for you.

Why should you care about your credit union? Watch this video: Credit Unions vs Banks: Don't Tax My Credit Union!

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