 Now Get Credit Union Auto Financing Right at the Dealership!
Remember when purchasing a vehicle used to be an all day excursion? It probably meant driving to your local auto dealer, finding a car in your favorite color with just the right options, haggling over the price, filling out a lot of paperwork, and going back and forth between dealer and credit union with payment in hand. Well now there's a better way! Tradesmen Community Credit Union and CUDL (Credit Union Direct Lending) have teamed up to give you the best possible way to make your auto buying experience virtually painless.
Get Your Loan Approved On-the-Spot
From 7a.m. until midnight, seven days a week, including holidays, Tradesmen Community Credit Union, can approve your new or used auto loan while you are at the dealership, and without visiting your credit Union branch. It's almost like having a loan officer right at the dealership with you! Through the CUDL program, Tradesmen Community Credit Union has partnered with dealerships in your community to offer you a convenient way to purchase a vehicle and get your credit union financing. This program utilizes Tradesmen Community Credit Union's current low auto loan rates and terms when financing your vehicle. Best of all, the CUDL program is simple for both members and dealers to use!
It's as Easy as 1-2-3!
1. Decide on the make and model of the vehicle you want
2. Visit any participating dealership
3. Apply for Tradesmen Community Credit Union's low-rate auto financing through the CUDL system. Within minutes, you'll have a financing decision.
Once the financing is approved, the dealer receives the credit union's terms and conditions, completes the sales contract, and you drive the vehicle off the lot. Don't worry about the paperwork-through CUDL, Tradesmen Community Credit Union, and the dealer, it is all taken care of electronically. We are making this convenient service available to alleviate some of the stress that accompanies the auto buying experience and therefore allows you more time to enjoy your new or used vehicle.
Find the CUDL Dealer Nearest You
Be sure to look for the CUDL logo (seen below) when shopping at the dealerships. This logo signifies that the dealer can offer Tradesmen Community Credit Union financing. Make sure to identify yourself as a Tradesmen Community Credit Union member and ask for your financing through the CUDL system. To find a local participating dealership, simply call the dealership locater at 888-CUDIRECT, or click here to connect to the CUDL website.
The fight against identity theft is more important than ever! Identity Theft is the nation's fastest growing crime - impacting more than 10 million Americans last year alone. The fact is, identity theft is becoming more sophisticated and threatening - estimated to cost consumers more than $5 billion annually in recovery costs.
ITAC Sentinel provides multiple layers of identity theft protection you need in today's world. It protects both your credit and personal data when you need it most - around the clock.
There are three different options for identity theft protection. Click here or call 1-877-235-0193 to get registered.
Disaster Relief Grants
The Iowa Credit Union Foundation is offering disaster relief grants to Iowa credit union members who have been displace from their home for an extended period of time as a result of a disaster. The money is to be used to cover immediate expenses of Iowa credit union members.
Stop in to either office today to pick up an application.
Are you unsure about that used car that you are thinking about buying?
or
Did you recently buy a used car but wished you new more about it?
CARFAX can help!
Stop by one of our convenient locations and talk to a loan officer today.
2930 SE 14th Street - 515-282-3606
1400 2ND Ave - 515-243-8735
MEMBERS® Auto and Homeowners Program
You trust Tradesmen Community Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.
- MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
- Convenient e-service, pay your bill or make changes to your policy, even report a claim.
- Receive fast, easy access to claims service 24-hours a day.
- Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.
Click here for more details
 MasterCard members can go to MyCardInfo.com to access their account online. It's simple, easy and can be done anytime that is convenient for YOU! Just go to the site, click on the Tradesmen Community Credit Union logo, log in and view all your information.
Try it today! Click here.
HELPFUL TIPS TO PROTECT YOURSELF FROM ID THEFT
1. When your writing checks to pay your credit card accounts, do not put the complete account number on the "for" line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.
2. Put your work phone # on your checks instead of your home phone. If you have a Po Box use that instead of your home address. If you do not have a Po Box, use your work address. Never have your SS# printed on your checks.
3. Place the contents of your wallet on a photocopy machine. Copy both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place.
4. Have the toll free numbers in a safe place, but handy to get to so you know whom to call.
5. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation if needed.
6. Call the 3 national credit reporting organizations immediately to place a fraud alert on your name and also call the Social Security Fraud line number. This helps any company that checks your credit to know your information was stolen, and they have to contact you by phone to authorize new credit.
7. Do not give out personal information on the telephone, through email, or over the internet unless you know who you are dealing with.
8. Never click on links sent in unsolicited emails.
9. Keep your anti-virus and anti-spyware software up-to-date.
10. Do not use an obvious password, such as birth dates, mother's maiden name, a pet's name, the last four digits of your Social Security number (SSN), etc.
11. Shred all financial documents and paperwork before discarding them.
12. Protect your SSN. Only give it out if it is necessary or ask to use another identifier.
13. Keep your personal information in a secure place at home.
14. Monitor your financial statements regularly and notify your financial institution immediately when you discover a potentially fraudulent transaction.
HERE ARE THE PHONE NUMBERS FOR THE 3 NATIONAL CREDIT REPORTING ORGANIZATIONS AND THE SOCIAL SECURITY FRAUD LINE.
EQUIFAX: 800-525-6285
EXPERIAN (FORMERLY TRW) 888-397-3742
TRANS UNION: 800-680-7289
SOCIAL SECURITY ADMINISTRATION (FRAUD LINE): 800-269-0271
Here are some websites to report ID theft
www.onguardonline.gov (Federal Trade Commission)
www.ftc.gov/bcp/microsites/idtheft/
www.usps.com/postalinspectors/ (mail fraud)
www.ssa.gov (social security number fraud)
www.ic3.gov/ (internet fraud)
www.fraud.org (fake check fraud)
Don't forget to keep your social security number in a safe place, and any papers or bank statements with account numbers and or personal information on them should be shredded. It is very important NOT to give people access to your information.
Email Scam Alert!
One of our members had received a suspicious email from a company claiming to be the Iowa Credit Union League, stating that they "had to lock the member's account because they have reasons to believe that it has been compromised ..." The email also contains a link for the member to click on to "confirm their identity by completing a secure form..." Please DELETE the message and DO NOT respond to these e-mails because it's an Internet scam known as Phishing.
Scam Alert!
~Vishing Scams~
Instead of utilizing the internet as a tool to trick web users, scam artists have now turned to the phone. With this scam, internet users don't have to be linked to a different website anymore, but are urged to call the phone number given in the email to enter their information. In some cases, people might receive unsolicited phone calls and information could be compromised that way also. The fraudsters are identifying themselves as calling from the credit union. The automated calling system is asking the members to enter their account number, expiration date and CVV2/CVC2 codes.
NOTE: It's always a good idea to use the phone number on the back of the bank card or credit card if you are asked to verify or inquire about your personal account information.
~Phishing Scams~
The purpose of phishing is to steal your identity. Phishers are scam artists who use mass emails pretending to be a trusted organization like Tradesmen Community Credit Union (TCCU) to ask for your personal information. Usually, the email will contain a link to another website that might look like a legitimate website where you are asked to verify or update your information such as DebitCard number, PIN number, Account number, etc...TCCU will NEVER email or call you to obtain for your personal information. We already have that information on file.
~SMISHing~
Uses text messages on cellular phones to bait receivers into providing secured information
Fraud Fighting Tips
- Never record your account number,PIN or password on paper and store in your wallet or purse.
- Always use a normal phone number that you regularly use to call your financial institution.
- Never give out your account number, PIN or password on the phone unless you initiate the call. (Tradesmen CCU will NEVER ask for this information over the phone unless you initiated the call)
- Never send your full account number, PIN or password in an e-mail message or other written communications.
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$250,000 NCUA Share Insurance Protection Now Permanent
July 22, 2010, Alexandria, Va. – President Barack Obama yesterday signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act. Included in this sweeping legislation are provisions making permanent the current $250,000 maximum federal deposit insurance level, which had been temporary until December 31, 2013.
Federally insured credit union member accounts are insured to at least $250,000 by the National Credit Union Share Insurance Fund, a federal insurance fund backed by the full faith and credit of the U.S. Government.
A temporary increase from $100,000 to $250,000 was effective from October 3, 2008, through December 31, 2009. On May 20, 2009, the temporary increase was extended through December 31, 2013, and now the $250,000 federal insurance protection becomes permanent.
The National Credit Union Administration charters and supervises federal credit unions. NCUA, with the backing of the full faith and credit of the U.S. government, also operates and manages the National Credit Union Share Insurance Fund, insuring the accounts of over 90 million account holders in all federal credit unions and the majority of state-chartered credit unions. NCUA is funded by credit unions, not federal tax dollars.
Not New but Worth a Look!
Debit Cards! Not new to Tradesmen Community Credit Union, but may be new to YOU! Apply today for the ultimate in convenience, a MasterMoney debit card.
They work like an ATM card at the same convenient machines you now use, and are also accepted like a credit card almost anywhere a MasterCard can be used (just keep in mind that the amount will be immediately withdrawn from your checking account, not billed).
Quick, easy, convenient access to your checking account, a Tradesmen debit card may be just the thing for YOU! Click here to apply today!
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