A QUARTERLY NEWSLETTER FOR ACCLAIM FEDERAL CREDIT UNION MEMBERS
THE
PERMANENT
PRESS
Fourth QUARTER
Fall 2019
The Financial Bridge Linking our Members to their Goals
Instantly set the terms for when,
where, and how your cards are used.
Fraudsters have been making a lot of headlines lately. But now there’s some good news for Acclaim debit cardholders. Our members now have access to an app called CardNavSM by CO-OP. It’s the key to taking unprecedented, real-time control over your cards through your smartphone.
CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when any types of transactions you specify take place to help identify and stop potential fraud from happening. You can even use CardNav to set personal spending limits that help you stay within your budget goals.
With CardNav, you can turn cards on or off in seconds, and use GPS to restrict transactions to businesses within a designated area. You can limit card use to specific merchants or purchases. You also can receive alerts when you’re getting close to any personal spending limits you’ve set.
In just minutes, you can gain the security and control of CardNav by CO-OP. All it takes to get started is a free download from the Apple App Store or Google Play.
We now offer it year-round!
We understand that having a little extra cash when you need it most can make a big difference. That’s why we’ve extended our Skip-a-Pay Program throughout the year. If you have loans in good standing with us, you could qualify to skip up to 2 loan payments per calendar year. Plus, 30% of your application fee goes to the Out of the Garden Project!
Call us or visit our website to view qualifications and eligibility!
Celebrating for 10 years in a row!
On October 17, 2019, Acclaim Federal Credit Union will join with 56,000 credit unions around the world in celebration of International Credit Union (ICU) Day®.
Acclaim celebrates by hosting a special day at the credit union full of food, fun, and fellowship. We even throw in free giveaways, raffle tickets, and a special loan promotion for auto and personal loans.
There are 200+ million credit union members around the world—more than 100 million in the U.S. alone—and Acclaim FCU joins them in celebration of the not-for-profit cooperative spirit that all credit unions share.
This cooperative spirit has led to life-changing opportunities for people all over the world who’ve wanted to start a small business, own a home or continue their education but were denied access to other financial institutions. In many parts of the world, people’s first taste of democracy is through their credit union, where “one member, one vote” is the governing structure.
At its most basic level, a credit union is people pooling their money to provide each other with affordable loans—it is literally people helping people. This is why Acclaim FCU celebrates ICU Day. Because credit unions empower people, wherever they are in the world or life, to take control of their financial future.
You can still take advantage of our exclusive 5-day loan promotion!
October 14 – October 18
3% Rate Reduction on all Personal/Signature Loans
What does this mean? You get a rate 3% lower than where you’d usually qualify. Example: If you are approved for a 8.25% APR** your rate will be 5.25% APR.**
1% Rate Reduction on all New and Used Auto Loans
Take 1% off of the rate you would usually qualify at. Example: If you are approved for a 2.99% APR** your rate will be 1.99% APR.** All rates and terms are based on qualifying criteria. Bring us any auto loan from another Financial Institution and give us an opportunity to match or beat their rates.
*IMPORTANT DETAILS:
- These special rates are good on NEW Acclaim loans only. Existing Acclaim loans do not qualify for rate reductions and cannot be refinanced for the special rate.
- This offer is a FIVE-DAY ONLY promotion event! To be eligible for these rates, your loan request or application has to be received by us between 12:01 a.m. Eastern Standard Time (EST) on October 14, 2019 and 11:59 p.m. EST October 18, 2019. Loan requests may be submitted by fax to 336-332-5965, by phone at 336-332-4404, by online submission or by email to Loan@AcclaimFCU.org.
- Processing time for requests will be based on the total number of applications we receive during this time, so we’re asking for your patience while we provide all of our members with the extraordinary service you know and expect from us. Our staff will respond to loan requests as quickly as possible.
**Annual Percentage Rate. Subject to credit approval. Rate includes Active Checking Account with net direct deposit, Auto Pay, Membership Reward discount AND Multiple Loan/Repeat Borrower discount. Mastercard Credit Cards, Overdraft Lines of Credit, Secured Loans, and Home Equity Lines of Credit are not eligible for discounts. Rate minimums may apply. Dealer partner and GPS Program Loans do not apply.
6 Ways to Avoid Getting Scammed on Craigslist
There are wonderful treasures to be found on Craigslist, and if you have stuff you don’t need, you can make good money selling it there. Unfortunately, though, Craigslist is riddled with scammers. Keep your money safe by following these seven tips when using the popular online
marketplace.
Be familiar with Craigslist
Lots of Craigslist scams can be avoided by knowing some basic information about the site:
- The Craigslist URL is http://www.craigslist.org. Scammers often create lookalike sites to lure buyers into paying for items that don’t exist. Always confirm the URL before finalizing a purchase.
- Craigslist does not back any transaction on its site. If you’re offered purchase protection at a price, you’re looking at a scam.
Deal locally
It’s always safest to finalize a transaction in person. Dealing with a local also lessens the chance of there being a language barrier that obscures the details of a deal.
Examine the product before finalizing a sale
Don’t rely on pictures alone when buying something on Craigslist. Ask to look at the item in person.
Don’t accept or send a cashier’s check, certified check or money order as payment
It’s best to pay for online items that are purchased from a distant and unknown seller using a credit card. This way, you can always contest the charges if the sale goes south. If you pay with a cashier’s check, certified check or money order, there’s no way to reclaim your funds should the need arise.
Use cash — safely
If you’re dealing with a local, the most secure way to pay or collect funds for a Craigslist transaction is with cash. To keep it even more secure, you can make the exchange in a safe place like your local police station or even at Acclaim FCU. Bring along a counterfeit detection pen to be certain you’re not getting scammed with bogus bills.
Don’t share your personal information
There’s no reason a buyer or seller needs to know your checking account number, your date of birth or the name of the high school you attended. If a contact is asking too many personal questions, back out of the deal.
CLOSINGS:
October 14 - Columbus Day
November 28 & 29 - Thanksgiving
December 25 & 26 - Christmas
Address: P.O. Box 29527
Greensboro, NC 27429
Telephone: 336.332.5302
Toll-Free: 888.794.1001
Email: Admin@AcclaimFCU.org
Lost/Stolen Credit Card: 800.325.3678
Lost/Stolen Debit Card: 888.241.2510
Admin Fax: 336.332.4103
Loan Fax: 336.332.5965
Mbr Service Fax: 336.332.5965
