Remember no matter where you are, shared branch service centers are just a fingertip away. Call 1-800-919-2872 or go to http://www.cuservicecenter.com/ to find any of the nearly 2,800 locations. Just have a photo ID and know your account number to request transactions.

ALERT ME is a credit-monitoring service designed to help fight identity theft. Alert Me gives early warning of activity on your credit report, which can help you catch problems quickly and minimize losses. Cost is $4.25 per month. To enroll or learn more, simply click on the link www.virtualbranchservices.com/alertme/ Quarterly and annual plans are available at a reduced rate.

To help with any financial planning, we have the following links to help answer any of your questions:

Effective January 1, 2007 the credit union began offering "Rescue Protection"service for those members with a share draft account in good standing. With this service share drafts, debit card transactions and 3rd party withdrawal transactions that would have previously been returned for non-sufficient funds will be honored, allowing your account to go negative up to $500.00. The fee is $25.00 per item, the same as a return nsf fee, without the further cost and embarrassment of a returned check.

If you have received or inquired about a loan recently, you know that our rates depend upon your credit score. While this is a good thing if you have perfect credit, some of you may not get as good a rate as you would like. Don't be too discouraged as we will work with you as much as possible. If you can get a lower rate at another financial institution, we will match that rate for you. If you do finance with us at a higher rate we will consider the status of your loan over the next 12 months working with you to lower the rate. Just remain current and improve your credit history to refinance at a lower rate.

What is GAPP? If your vehicle is totaled or stolen and the insurance payoff leaves you with a balance, Gapp coverage will pay it off. However, remember when making that deal on your new vehicle, don't let the dealer sell you GAPP. Dealers will price it anywhere from $300.00 to $500.00. Your credit union offers the same coverage for $200.00. That's a one time charge lasting over the entire contract of the loan.

Verified by Visa is a unique service that uses personal passwords to help protect Visa card numbers against unauthorized use. Our cardholders are now protected with Verified by Visa for free. Once you activate your card, no one else can use your visa card number at participating online stores without your personal password.