Save the Date!
Our 75th Anniversary Party and Annual Meeting will be Monday, April 26th. Invitations with more information will be mailed soon!

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Looking for a new car or recreational vehicle?
Click here to view current loan rates.

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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!

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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!

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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).

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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.

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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

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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.