Save the Date!
Our 75th Anniversary
Party and Annual Meeting will be Monday, April 26th. Invitations
with more information will be mailed soon!
Looking for
a new car or recreational vehicle?
Click here to view current
loan rates.
Join the Clubs!
~ Holiday Club - Pays
on November 1st
~ Hunting Club - Pays on September 1st
~ Vacation Club - Pays on June 1st and December 1st
Our
club accounts are designed to help you save! Whether it is for
holiday shopping, a family vacation to the beach or a new rifle,
club accounts are an easy and effective way to save. As an added
bonus, the club accounts pay a half percent higher dividend rate
than regular share accounts. Stop by and join the clubs!
Credit CARD Act of 2009
Changes that took effect on February
22, 2010 that apply to our cards:
Over the Limit opt-in: Since we do not offer the ability for our
cardholders to exceed their credit limits, we have decided to
eliminate over-the-limit fees. During a special circumstance in which the limit is exceeded there
will not be a fee charged. A special circumstance could be a
pay-at-the-pump transaction in which $1.00 is authorized and not the
full amount of the purchase. When the full purchase is posted to the
card, the limit may be exceeded.
Statement information:
The monthly statements will contain more detailed information
regarding the length of time it will take to payoff the balance,
assuming you only make the minimum payments, and how much you will
need to pay in order to pay off the balance in 36 months. The
statements will also contain a toll free number in which to obtain
credit counseling services, the payment cut-off time, and the amount
of any late fees.
Under 21:
Applicants that are under the age of 21 will need to prove they
have the ability to repay the loan. We may ask for proof of
employment. If they do not have the ability to repay, a co-signor
will be required. If the cardholder has a co-signor, credit limit
increases will only be granted if the co-signor approves the
increase.
Payment due dates and late fees:
The due date for all credit cards is the 21st of each month. The
due date is not negotiable. The billing date, or statement date, is
the 25th of each month. In order to avoid finance charges, the
balance for purchases must be paid in full by the 21st. Balances for
cash advances are treated separately. There is no grace period for
cash advances and interest is accrued daily until paid in full. To
avoid a late fee, the minimum payment must be received within 5 days
of the due date. If the 21st falls on a date in which we
do not receive mail, we will not treat your mailed payment as late
if it is received on the next business day. This applies to mailed
payments only!
There are many provisions in the Credit CARD Act,
however only a few applied to our cards. If you have credit cards
with another issuer, please read any change in terms notices
carefully!
You will have 45 days to reject any changes to your credit card
agreement.
If
you would like to read the Act, please
click here. If you have
any questions, please call the credit union!
Help us
fight fraud!
Fraud never goes away and
actually has been steadily increasing over that last couple of
years. We are doing everything we can to protect your accounts, but
we can't do it alone! We need your help to prevent and minimize
fraud.
-
Check
your accounts often!
We offer free online
account access with Credit Union Connect. CU Connect allows you
to view your account 24/7. (To sign up, click the link to the
left. You will need your member number and SSN.) If you see
something you suspect is fraud, notify us immediately! If it is
after hours, call the following numbers to have your card
blocked:
Visa Scorecard (blue card): 1-800-991-4965
Instant Cash & Check (red card): 1-800-535-8440
-
Review your statements as soon as you get them!
If a transaction appears
on your statement that you did not authorize, you have 90 days
to notify us or else you will be liable for that transaction.
-
Keep
your numbers to yourself!
Never respond to
e-mails, text messages, or telephone calls asking for personal
or financial information. Report scam to the Federal Trade
Commission by calling 1-877-IDTHEFT (4384338).
In order to ensure timely delivery of
all mail from us, please update your contact information! If you
have moved recently, or are away for the winter, please notify us of
your current address. Not all mail will be forwarded! Monthly
statements, tax documents, and renewal debit/credit cards are NOT
forwarded and are returned to the credit union instead. It is also
important for us to have a current phone number. If you are not sure
if we have your current contact information, you can call us at
701-241-4770, email us at
service@fpsfcu.com,
or log on to Credit Union Connect-More Options-Member Information to
view the information we have on file.
Interested in using Credit Union Connect and the
Audio Response Line?
Both options are free
and allow you to check your balances, transfer funds, and more!
Click here for more
information, including how to sign up
Scam
Alerts
Lost your VISA or
Instant Cash and Check Card?
DON'T BE A TARGET!
Protect Yourself from
Identity Theft
1. Keep your numbers to
yourself - Never give out personal information by phone, email
or text unless you initiated the contact and you are sure who you are
dealing with. Do not carry your Social Security card in your wallet or
purse.
2.
Stay safe online - Use a firewall, anti-spyware
software and anti-virus software. Be sure to keep these programs up to
date. When shopping online, make sure you are on a secure web site. Look
for a locked padlock in the lower right-hand corner, and "https" in the
web address.
3. Monitor your credit reports - By law, everyone is now entitled to a
free report from each of the three major credit bureaus (Experion,
Equifax and TransUnion). Simply order one report every four months and
watch for changes or suspicious account activity. To order your free
report, go to
www.annualcreditreport.com.