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Phishing Emails

What is phishing? Phishing usually involves an email sent to you asking for specific account information that requests you to click on a link to give your personal information. That link may go to a website that appears similar to Northern Colorado Credit Union, but asks you for your specific account info. Those kinds of emails are NOT originated by Northern Colorado Credit Union or any of our affiliates. If it is specific information, we want you to contact us directly or initiate the transaction yourself—not click on a link within an email.

Please do not reply to suspicious emails or click on any links within those emails.

 As with all internet or email communication, please contact us if you are suspicious.

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!

BBB Scam Alert: Google Drive Phishing Scam

The Better Business Bureau Serving Northern Colorado and Wyoming advises users of Google Drive to beware of a sophisticated scam now infiltrating inboxes nationwide. The phony Google Drive emails prompt you to enter your username and password into the look-alike form.

How the Scam Works

You receive an email notice that someone shared a Google Doc with you, which can be accessed by clicking on a link. If you click through, you are taken to an exact copy of the Google login page.

The look-alike login form prompts you to enter your Google username and password. The data is sent to the scammer's server, but you are redirected to a real Google Doc. This means you are probably unaware anything even happened.

The scammers are using an actual Google Drive account to host the scam file, which lends a legitimizing URL to their con. Inputting your email and password into the fake form gives scammers access to your Google Drive, Gmail and any personal information stored within.

Tips for protecting your Google account

  1. Look for a phishing alert. Gmail automatically displays warnings on messages they suspect are phishing attacks. Always look for these warnings at the top of your email.
  2. Know when you are logged in. If you are already logged into Gmail to check email, you won't need to login again to view a Google Drive document.
  3. Report it. Help Google identify suspicious emails by reporting them. On an email message, click the down arrow next to "reply" and select "report phishing."
  4. Turn on two-step verification. If you fear your account has been compromised or you are worried about security, sign up for additional security for your Google account. Logging in will require both a username/password and entering a code sent to your cell phone.
  5. If your account may have been compromised, be sure to review this security checklist to make sure scammers aren't accessing your email. Topics include checking past login locations and making sure auto-forwarding isn't activated.

To find out more about this scam visit: BBB of Northern Colorado & Wyoming

You can also read some more good information from the FTC on scam alerts.

Financial Literacy Matters

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

Regarding 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, a parent, or a retiree, this is a great place to brush up on your financial knowledge.


Please take a survey for our recent hours of operation

Monitor Your Credit Report Annually!

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

Beware of Scams

Northern Colorado Credit Union wants to do everything to protect you and money! Your identity and your money are important to you. NEVER give out sensitive information over the phone or in an email, especially with calls that you do not initiate yourself. Sensitive items can be your account number, debit card number, or social security number.

Also beware of phishing scams that try and solicit sensitive information through an email or a website.

If you think you may have been targeted, contact us directly and speak with someone personally about your account(s). We'll be happy to take the extra time needed to assure your accounts are safe—that's what we do.

More Information

Fraudwatch for Your Debit Card

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

Enroll in Online Banking and be able to check your account online 24/7.

Report a lost or stolen debit card

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

Five Golden Steps for Auto Buying

The best way to put you in the driver's seat of a new car is to research the model you're looking for and how you'll pay for it before you even set foot on a car lot.

Step One

Check your credit score. Your credit score influences your interest rate, so a higher score means a better loan package. Make an appointment with your credit union for a quick check-up. Everyone is eligible to use for a free credit report of all three reporting agencies once per year. This is the only truly free service with no strings attached. If you have a few dings on your report, our financial services representatives can offer advice on ways to clear them up.

Step Two

Check for the best rate and see what you can afford. Credit unions are known for having some of the best rates around and Northern Colorado Credit Union is no exception. In fact, we usually have the lowest rate in the market—check out our current rate schedules. Calculate your payment and find out how much you can afford with our financial calculator. Here's another tip: You will often save more money by financing a new car with a credit union and taking a dealer's rebate, as opposed to taking a dealer's low finance rate. Check out this rate vs. rebate calculator.

Step Three

Get pre-approved before hitting the car lot. While you're checking up on your credit score, get pre-approved for a car loan. You can do this in-person, on the phone, or online. Pre-approval will help you determine how much car you can buy, how much your monthly payment will be, and it will make the buying process quicker and easier. Use our Online Application and get pre-approved right away.

Step Four

Research. Research car models and compare prices before hitting the lot by visiting our AutoSmart Resource Center and the NADA website. Keep in mind car costs don't stop with the monthly loan payment. According to AAA, an SUV costs 67 cents a mile to drive compared to 41 cents for a typical small sedan when you factor in such costs as insurance, repairs, and depreciation. Before you head to the dealership, compare the five-year "true cost to own" of any vehicle model.

Step Five

Visit the dealer. Once you've secured financing and have a good idea of what car(s) you can afford, visit the dealer. Bring the car values you researched with you and compare them to dealer sticker prices. This information will give you leverage to negotiate when purchasing the vehicle that's right for you.

Even if you haven't gotten pre-approved, always ask for credit union financing at the dealership.

Car Buying Checklist

There's nothing like that new car smell, even if your car isn't brand new. Before you buy a new or used vehicle, it pays to do your homework. Use this checklist for tips to help save you money and to simplify the car buying process.


  1. Do your research. Researching and comparing vehicles is an important first step in finding out the value of any car you trade in and the new car you want to purchase. Good research is key and plays a significant role in helping you get the deal you deserve through dealer or a private party. It arms you with the best information to negotiate the price you can afford and a payment that will fit your budget;
  2. Before you go to the dealer, contact the credit union to get pre-approved;
  3. Find out what financing option is best for you. The term, vehicle year, and your credit history will help determine the interest rate you'll get for your loan and the payment that will fit your budget;
  4. Lock in your rate and find out what range of vehicles you can shop for;
  5. Consider the benefits and cost savings of purchasing additional insurances, such as Mechanical Breakdown Warranty and GAP Insurance. GAP Insurance covers you so you don't become upside down in your loan. Most dealerships will offer these services to you but at a much higher price than you can get with your credit union;
  6. At the dealership, test drive the vehicle to make sure it meets your needs and expectations. Does a 0% APR loan make sense for you? If doesn't include rebates, you could save more in the long run by financing elsewhere and getting the rebate from the dealership.
  7. Focus on the total price of your "new" car and what the end price will be with applicable rebates and interest. Dealers many times will focus on the payment and you could wind up signing for a higher interest rate or a lengthier term.
  8. Beware of "add-ons" through the dealership and feel free to ask questions. Are the add-ons, like alarm systems, rust protection, glass etching, and so on, necessary for you to purchase at the dealership?
  9. Upon purchasing your vehicle, contact your auto insurance company to inform them of your purchase so you can drive away—safely—in your new vehicle.