|
|
NEW VIRTUAL BRANCH COMING
SOON!
NEWS: In the
months of May and June, 2012 we will be waiving the $5.00
monthly fee for Home Financial Service. With enough
participation we might be able to waive the fee permanently!
Also, please try out a demo for our upcoming online banking
program, Virtual Branch!
Click
HERE to see the new Virtual Branch Demo
|
|
|
NW
Indiana Credit Unions Support Samaritan’s Feet
On June 2, 2012, several of the
credit unions in NW Indiana will be participating in a 2-mile
barefoot walk to raise money for
Samaritan’s Feet.
Samaritan’s Feet
is a charitable organization dedicated to providing shoes for
under-privileged children. Did you know that “nearly 1,000,000
people die each year
as a result of
foot-borne illnesses that may be preventable by simple
protection – shoes”?
We need your
help to raise as much money as possible before this year’s
event. We are asking that our members sponsor the credit union
staff and volunteers that will be walking in the event. Donating
is as easy as clicking on the
Samaritan’s Feet link. Or, if
you would prefer checks can be sent directly to the credit union
at: MCMFCU PO Box 648 Hobart, In 46342. Please make all checks
payable to Samaritan’s Feet.
We thank you in advance for your
support!
http://www.firstgiving.com/fundraiser/mcmfcu/barefoot
|
|
|
We’ve Expanded Our Mortgage Services!!!

We are now able to offer mortgages in Kentucky
in addition to the other states that we already
service! Contact Teri @ 800-543-5785 ext. 124 to
start your application.

myCUmortgage
*NOTE: In order for
a property to qualify for a mortgage, it must:
|
We're On Call 24 Hours A Day, 7 Days
A Week To Meet Your Borrowing Needs!
1-888-313-7836
|
|
|
FORECLOSURE
PREVENTION
The State of Indiana has $220 million available to help Hoosiers
in danger of losing their homes through the Hardest Hit Fund.
Our state is one of five to
date with access the monies.
To get more
information call 1-877-GET-HOPE, a toll-free helpline available
seven (7) days a week, from 8:00 am to 8:00 pm.
For anyone who may be at risk
of foreclosure, the Helpline provides free and confidential
financial consulting with no obligation of commitment.
Helpline operators then refer
the homeowner to a certified foreclosure intervention
specialist.
For more information online,
please visit:
www.877gethope.org.
|
|
|
HOME EQUITY LOANS
AVAILABLE
Are you looking to consolidate some debt? Or maybe you need
to do some home improvement?
Look no further!
We
offer Home Equity loans at incredible rates. Our Home Equity
loan allows our members to apply for up to 90% of the
appraised valuation less the First Mortgage balance. Our
minimum line of credit is $5000 and our maximum is $75,000.
The interest rate on this loan is variable at Wall Street
Journal Prime interest rate +1%. The rate is subject to a
monthly revision on the first day of each month.
Call Teri @ 800-543-5785 ext 124 to begin the application
process.
|
|
|
Warning to all Debit
Card Users
We have seen an increase in
fraudulent debit card transactions. It appears that most of the
cardholders who have had their cards compromised live in the
same geographic area. However, fraud can spread quickly and so
we felt it best to warn all of our members. Please use the
following suggestions to keep your debit card as secure as
possible.
-
Never use your PIN number when
making purchases. Instead, run the transaction as “credit”
and sign for the transaction. After swiping your card, hit
“cancel” when the terminal requests your pin number then
select “credit”.
-
Never keep your pin number with
or near the debit card. If your card is compromised and the
pin number is with the card, you will be held liable for all
transactions.
-
Look for any parts of the
purchase terminals that appear loose or altered. This could
indicate the presence of a “skimming” device. “Skimming
devices” are used to store the card number, pin number and
expiration date of any card that is swiped through that
machine. These devices are later removed and the information
is used to create fraudulent cards. If you believe that a
purchase terminal appears altered, immediately notify a
manager of the facility and do not use that terminal.
|
|
|
 |
|
|
Mandatory Electronic
Benefits Payments
Effective May 1, 2011, all new
federal benefit applicants will be required to receive their
benefits electronically. And, all current federal benefit
recipients will be required to switch to electronic benefits by
March 1, 2013.
What does this mean for our members?
Only that you will need to provide your account number and our
routing number (271991155) to whichever government office pays
your benefits. Then, you can rest assured that your federal
benefits will be direct deposited into your credit union
account. No more waiting at the mailbox, no need to go out on
those cold, winter days, and no more hassle.
Please feel free to contact
the credit union or visit
www.GoDirect.org for
more information. |
Invite Your Family Members To
JOIN OUR FAMILY
You already know what
great service Midwest Carpenters & Millwrights F.C.U. provides.
But does your family? Do they know that they qualify for
membership simply because you are a member? Tell them to
stop by our office, visit our website, or call our office and we
will provide everything they need to open an account.
Remember, even after 50 years we are still exclusively
carpenters, millwrights and their families!!!
|
|
|
SMART OPTION STUDENT LOANS

Home Financial Service & Bill Payer Now Available
Home Financial
Service (HFS) is immediately available and provides you with convenient
secured access to your account(s) 24 hours a day – seven days
a week. With this secured program you may check balances, transfer
funds, check employer deposits, ATM & POS transactions, checking
account deposits or check clearings and dividends earned through
the Detailed History section of the program!
To sign up, click
on the
Credit Union @ Home link and complete the application. Within
24 business hours we’ll set up your account for access and provide
you with the temporary “PIN” number.
The HFS program
has a $5.00 monthly charge which includes Bill Payer.
Bill Payer requires
a checking account. To sign up now or after you’ve signed up for
HFS, you need to click on the HFS icon, click the Bill Pay icon,
click on Enroll, complete the required information in the Enrollment
Form and hit submit.
Once received,
we will Email our response regarding your application within 24
business hours.
Voice Response
|
We Offer GAP - For the Unexpected
Guaranteed Asset Protection (GAP)
is a voluntary program that we offer for your new or used vehicle
loan. This financial protection covers the difference
in the balance on a car and its declared value, as determined
by your primary insurance carrier, in the event that it is damaged
beyond repair or stolen and never recovered. GAP is a
supplemental coverage and does not replace your standard Comprehensive,
Collision and Liability coverage's, only enhances them.
No matter how
terrific a car is, the minute you drive it ou t
of the show room it is worth less. Depending on where
you live, the established market value could be less than the
actual balance you owe on your car. With GAP, if your
car is a loss, the deficiency will be covered. That includes
the difference between your primary carrier's insurance settlement
and the payoff of your loan, less delinquent payments, late
charges, refundable service warranties, and other insurance
related charges. Included in the GAP payment is your primary
insurance deductible, which is covered up to $1,000 if a deficiency
exists. In addition, you are eligible for an additional
$1,000 towards the purchase of a replacement vehicle financed
through the credit union.
Consider; you
buy a car. The loan balance after one year is $15,000.
The market value is $11,000. Your insurance deductible
is $1,000. You total the car, and your insurance company
pays $10,000. That leaves a difference of $5,000.
$5,000 you would have to pay for a car that you no longer have!
With GAP, that $5,000 is paid. Think about it!
When you are
applying for your next auto loan, ask about GAP. If you
have any questions, please call (800) 543-5785. We'll
be happy to explain!
|
|
APPLY FOR YOUR
UNION VISA
CARD

Has your credit card company
raised your interest rate? Charged you a fee for paying your
balance off each month? Charged you a fee for not using the
card?
We Don’t!!!
There are NO annual
fees, NO monthly fees and for purchases made and paid in
full every month, there is NO (0% APY) monthly interest charge. Accounts
that carry monthly balances will have an 11.9%APR and members
who are eligible and qualify for our VISA GOLD program will
have a 10.9%APR and will receive and accumulate Bonus Points
good for cash back credit.
Show people and local
businesses, who you are, apply for and carry your UNION Visa
Credit Card. Simply go to our Web Application Section,
complete the application and forward to the credit union, once
approved you can transfer an existing balance from and close
another credit card.
VISA Application Form
Credit CARD Act of 2009
|
|
|
The STAR Network Is Available
To All Our ATM and Check Card Members Now
As
some of you may have read already, you will be seeing a new logo
on ATMs across the country. MAC, STAR, and CASH STATION
networks have merged to become simply the STAR network.
As the country's largest PIN secured debit network, the combined
companies will provide customers with access to more than 180,000
ATMs and 720,000 retail locations across the USA. |
Switch and Save - No
Contract Required


- For More Information
Call 877.818.3656
|
|
INDIANA -
KENTUCKY REGIONAL COUNCIL OF CARPENTERS
If
you wish to learn more about our sponsor, please click on
their website
www.ikrcc.com
|
A
routing number is a unique number, which identifies our
financial institution from all others. You may be asked to
supply ours when setting up your account for Direct Deposit of
your Social Security or retirement check, or having a bill paid
directly from you checking account.
|
|
|