IBEW Local 56 Federal Credit Union was chartered in 1961 - Once A Member ... Always A Member

Newsletter

 

May 2018

Check out our Home Equity Special Rates

Home Equity Loans:  Rates as low as 2.99%APR*
Mini-Mortgage Loans:  Rates as low as 2.49% APR*

*APR = Annual Percentage Rate

Click here for more information.

You Don't Have To Jump Through Hoops To Get Our Low Vehicle Loan Rates!

New Vehicles: rates as low as 2.10% APR*

Used Vehicles:  rates as low as 2.85% APR*

Click here for vehicle rates.

Traveling this summer?

*Remember to notify the Credit Union of your travel plans so that your debit card will work as expected.

*Our Visa Travel Cards can make your vacation a breeze.  Cards can be loaded in any amout from $100-$5,000.  There is a $9.95 purchase fee.  Cards can be re-loaded multiple times with a $2.00 re-load fee.

The Smart Option Student Loan by Sallie Mae®

This loan is the ideal solution to help pay for college expenses not covered by scholarships and federal loans.

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates for more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 100% US-based Student Loan Specialists

Click here to learn more and get started

Tips On How To Stay Protected While Traveling

  • Avoid using public WiFi.  Public WiFi makes it easy for thieves to hack into your phone or laptop.
  • Password-protect your phone and add tracking tools.  Set up a password to unlock your device to protect your information.  Enabling location tracking and installing wiping software enables you to track down your phone or destroy the data if it's lost or stolen.
  • Don't post your location or agenda on social media.  Sharing this information allows potential thieves to keep track of your whereabouts making it easier to time a crime.  Wait until you get home to post about your trip.
  • Bring only what you need.  Only bring the ID that you'll need and debit/credit cards that you'll be using.  Keep everything else at home.
  • Keep a record of important documents.  Write down or copy information from your ID, debit/credit cards, medical cards, etc. so you have it if your wallet gets lost or stolen.
  • Watch for skimmers at the ATM and gas station pumps.  Tourist spots are prime locations for thieves to use skimmers to capture your card information.
  • Monitor debit/credit card activity.  Watch your account activity for any transactions not initiated by you.
  • Protect your home while you're away.  Stop mail and newspaper delivery and have someone check on your house while you're away.

Discounts For Your Summertime Fun

Waldameer & Water World

All Day Combo Pass

Regular 48" & Over - $35.50

Children 48" and Under - $28.00

  • Go To Waldameer's Website
  • Click "Buy Tickets Online"
  • Click "Buy Combo Passes/Wally Cards"
  • Click Orange "Promo Code" Button
  • Enter Code "IBEW56FCU2018", Purchase & Print Passes

Kennywood

Good Any Day Ticket - $29.50

The above links can also be found under the "Links" tab on the Home Page of our website.

Debit Card Reminders:

ATM Limit:  $250.00 per day

Purchases/Point of Sale (POS) Limit:  $500.00 per day

We understand that you may occasionally need to purchase more than $500.00 per day.  We can temporarily increase your daily limit in order to accommodate you.  Please realize that these limits are necessary to limit fraud and exposure to losses.

Our Debit Card Program is not live.  This means that deposits made via Home Banking are not immediatley available on your Debit Card.

Please call the office at 814-455-2270 to temporarily increase your daily POS limit or if you have any questions regarding availability of funds.

Visa Purchase Alerts

We highly recommend that our Debit Cardholders sign up to receive email alerts when they use their Visa Debit Card* for purchases.  These alerts help provide security by allowing members to identify potentially fraudulent activity and they provide a means for members to track spending.

Sign up by logging into:

usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html
Follow these steps to enroll:

  • Check eligibility by entering the first nine digits of your debit card.
  • Creat an account.
  • Register your email address.  A verification email with a code will be sent to your email address.  Enter that code to confirm your email address.
  • Choose which of the following three alerts you would like to enroll in:
  1. purchases reaching a certain dollar amount
  2. international purchases
  3. purchases made on the internet

*A qualified transaction is any transaction routed through Visa.

Banking at Your Leisure

Do you want the opportunity to look up account balances and account activity, as well as to do transfers between your Credit Union Accounts at your convenience?  If so, then Home Banking is for you!  Contact the Credit Union office for the required form to sign up for this convenient service.

You can now get your monthly and quarterly statements online.  When you log into your home banking account, click on the "Statements" tab to sign up for E-Statements.

Family Membership

Did you know that your family members and members of your household (persons living under your roof) are eligible to join your Credit Union?  To join, they need a current photo ID (unless they're a child), social security number, a $25 share deposit, and a .25¢ membership fee.

Family Members include your:

Spouse          Children          Stepchildren          Grandchildren

Parents          Stepparents    Grandparents          Brothers & Sisters

 

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