outh E X C H A N G E University of South Alabama Federal Credit Union 103 Hillcrest Rd. Mobile, AL 36608 Board of Directors: President, Polly Stokley Vice President, Pam Henderson Secretary, Scherita Mixon Treasurer, Ben Tipton Board Members Wayne Davis Chuck Warnol John Smith Management and Staff: Manager Felicia McKee Assistant Manager Anita Stevenson Bookkeeper Vacant Loan Officers Sandra Bolden Kristin Blackerby Compliance Specialist Stacy Barnhill Head Teller Stephanie Lowe Tellers Doris Martin Brenda Walker Angela Garrick Khyrstal Brown Phone: (251) 706-0255 Fax: (251) 706-0299 Main (Campus) Lobby Hours: Monday – Friday 8:00 a.m. till 5:00 p.m. Drive-Up Hours: Monday - Thursday 7:30 a.m. till 5:00 p.m. Friday 7:30 a.m. till 5:30 p.m. USAMC Branch Office Hours: Monday, Wednesday, Friday 8:00 a.m. till 12:30 p.m. 1:00 p.m. till 4:00 p.m. Children’s & Women’s Hospital Branch Hours: Thursday 8:30 a.m. till 12:30 p.m. 1:00 p.m. till 4:00 p.m. Click and go - Your CU takes care of the rest Simplify Your Life with Online Bill Pay Are you tired of wasting time, money, and energy addressing envelopes, buying stamps, and sending out a pile of bills every month? Do you want to simplify the bill-paying process? Then it’s time to check out your credit union’s Online Bill Pay. With this easy and convenient service, you can quickly pay any business or individual on a monthly basis, directly from your CU checking account. You have the flexibility of making one-time payments or scheduling payments in advance so you don’t have to worry about making manual adjustments each month for ongoing bills. Online Bill Pay also allows you to: * Track your payments * View payment history in a centralized location * Pay many creditors and multiple bills in one easy step In addition to saving time and money, with Online Bill Pay you will: * Pay bills safely and securely * Avoid late payments and the associated charges * Manage debt more efficiently Paying bills is one of life’s necessary evils so why not make it as painless as possible with our Online Bill Pay. Sign up today on your home banking page and simplify your life. (Account must have checking attached to utilize) July is “Account Information Update” Month During the month of JULY, when you visit the credit union or call, we will be verifying all your account information. According to the USA PATRIOT Act, section 326, all members must supply the credit union with certain forms of current government issued identification, a physical address, a valid tax identification number and your date of birth. It is the policy of the credit union to also make a copy of your USA employee or student ID. This month we will be verifying all account addresses and phone numbers on your account. The credit union thanks you for your continued support and hopes that you continue to make us your one stop financial shop. Equal Opportunity Lender. Equal Housing LENDER SUMMER 2014 EDITION As part of our continuing effort to bring the best technology and service to our members, the credit union is upgrading our Fraud Detection and Notification System. The new system will provide more immediate attention to notify our members faster when fraud is suspected. The notification portion of the system includes a stateof-the-art automated assistant to help our members review transactions and confirm their spending activity on your debit and or credit card. If you receive a notification call from our automated assistant, whom we have nick-named Jill, please work with her to answer questions regarding recent card activity. Please also be aware that our Card Member Security team that provides fraud alert management is available 24 hours per day, 7 days per week should you need assistance from a live agent. If suspicious transactions are identified as fraudulent, calls will be transferred to our outstanding member support team at Card Member Security to help you take the necessary precautions to protect your cards and related accounts. If the recent activity is legitimate, members will be able to close the case with the phone attendant using their touch-tone phone. Thank you for your support through this upgrade and, as always, thank you for being a member of the credit union. Holiday Closings, 2014 Friday, July 4, 2014.................................Independence Day Monday, September 1, 2014............................... Labor Day Thursday, November 27, 2014..................Thanksgiving Day Wednesday, December 24, 2014..............Close at 1:00 p.m. Thursday, December 25, 2014...................... Christmas Day Wednesday, December 31, 2014..............Close at 1:00 p.m. Thursday, January 1, 2015........................... New Year’s Day STATEMENT OF FINANCIAL CONDITION As of April 30, 2014 ASSETS: Total Net Loans & VISAs Net Investments Fixed Assets Land and Building Other Assets TOTAL ASSETS Liabilities & Equity: Liabilities (Payables) Member Deposits: Certificates of Deposit Share Drafts (Checking) IRAs Christmas & Youth Clubs Regular Shares Equity Regular Reserves Undivided Earnings TOTAL LIABILITIES & EQUITY 9,450,835.11 24,603,008.37 65,173.64 691,612.96 179,036.94 $34,989,667.02 46,672.62 2,818,431.46 4,305,482.13 1,289,666.66 385,259.07 22,496,152.01 374,201.12 3,273,801.95 $34,989,667.02 The Credit Union wishes everyone a safe 4th of July Don’t get NOOKED by a CROOK! Don’t Let It Happen To You! Stop Those Calls The National Do Not Call Registry, ran by the federal government, allows you to restrict telemarketing calls permanently by registering your phone number(s). You can register at https://www.donotcall.gov or by calling 1-888-382-1222. Most telemarketers should not call your number once it has been on the registry for 31 days. Both your home and mobile phone numbers can be registered for free. If you still receive calls, you can file a complaint at https://www.donotcall.gov. 8.9% Annual Percentage Rate No Annual Fees Pick up a USAFCU VISA credit card application at your nearest branch and start enjoying your lower rate today! Credit cards available to qualified borrowers; all loans subject to existing credit policies. Credit card rate quoted as Annual Percentage Rate. The fastest growing crime in America is identity theft, and the best protection is prevention. Here are some tips to safeguard your good name: 1. Protect your Social Security number. Do not carry your card in your wallet. 2. Do not give out your personal information unless you made the contact. Scam artists “phish” for victims by pretending to be credit unions, banks, stores, government agencies, etc. They do it by phone, email, and snail mail. 3. Shred papers with personal information. Always shred credit card offers that you don’t use. Also, shred those “convenience checks” you don’t use. 4. Open your credit card bills and bank statements right away. Check for unauthorized charges or withdrawals and report them immediately. 5. Protect your computer from viruses and malware. Use firewall, virus, and spyware protection software - make sure it is updated regularly. Always use “strong” passwords. 6. Always click with caution online. Only enter personal information on secure Web pages with “https” in the address bar and a padlock symbol at the top or bottom of your browser window. The Last Word Bad habits are like a comfortable bed, easy to get into but hard to get out of.
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