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THIS NOTICE IS REQUIRED BY LAW. READ MORE AT FTC.GOV
You have the right to a free credit report from https://www.annualcreditreport.com or by phone at 877-322-8228, the only authorized source under federal law.
The Federal Trade Commision wants you to understand that you can get a copy of your credit profile with no strings attached. You have the right to a free credit report annualy from each of the nationwide credit reporting agencies - Equifax, Experian, and Trans-Union. |
Celebrating over 80 Years of Service!
2015 Marked a milestone for your Credit Union. We were established in 1935 by employees from the Pittsburgh area of AT&T and Western Electric Companies as a means to make safe and regular investments and to obtain loans at reasonable rates. Today, our philosophy is the same, providing a safe means to save and borrow. Our growth is owed solely to the support of our members-past and present. Thank you to all our members for utilizing our services.
Reg E Disclosures
Receipts for electronic fund
transfers (EFTs) of $15 or less are no longer required.
Therefore, if you do transactions under $15 you may not
receive a receipt at an ATM or POS terminal.
Identity Prevention Tools
The PA Commission on Crime and
Delinquency has a new web site to fight back against
Identity Theft: www.IdentityTheftActionPlan.com
This web site is designed to help you prevent, detect and
respond to America's fastest growing crime. You can be
proactive by downloading an action plan and be prepared
should you become a victim. The site also provides steps
to take if your Identity is stolen or compromissed. Learn
how to file a police report, replace a driver's license,
health insurance or Social Security cards.
Prevent Phishing Scams...Be
suspicious of any email with urgent requests for personal
financial information unless the email is digitally
assigned to you. Don't use links in an email to get to
any web page if you suspect the message might not be
authentic; avoid filling out forms in email messages that
ask for personal info; and regularly check your debit and
credit card statements to ensure that all transactions
are legitimate.
Tips
to Protect Yourself
The next time you get a new credit or debit card--don't
sign the back. Instead put "Photo ID required." When paying by check, don't write the full card number on
the memo line, use the last four digits. Make a copy of
the contents of your wallet using a copy machine. Be sure
to make a copy of both the front and the back of each
card. You'll have all the info you'll need to call and
cancel the cards if you ever need to!
Family
Accounts
Do you have a savings account for
your child? If not, why not open an account today?
The credit union is a great way to teach your child to
save. Children can deposit birthday or babysitting money
and watch it grow.
Start teaching your child financial responsibility early
and make them a financially responsibile adult! Family
members include parents, children, siblings, and in-laws.
They do not have to live in the same household.
Negative
Account Information
We may report information about your
loan and deposit accounts to credit bureaus. Late
payments, missed payments, or other defaults on your
accounts may be reflected in your credit report.
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Uncertain
Economic Times
The media has been dominated recently by reports that the
economy is in the mist of a recession. Many factors come
into play including the collapse of the subprime morgage
market and the upheaval in certain investment sectors.
While this news may be discouraging, you can rest assured
that we at AT&T Credit Union take the trust you
placed in us, your credit union very seriously. We have
never made subprime loans. Our investments comply with
all state and federal credit union laws and regulations
and our investments are federally insured. Finally, we
are audited each year by an external auditor and by the
National Credit Union Administration.
We have provided financial services to our members since
1935 and we look forward to serving you for years to
come.Free Checking
Why pay fees for a checking account!
Some of the many benefits in maintaining a credit union
checking account are:
- No minimum balance required
- No monthly service charge
- No per-check fee
- Free Star Debit/ATM card
Don't Get Phished
Never respond to an
unsolicited email that asks for personal
financial information.
Report anything suspicious to the proper
authorities.
Contact the internet crime complaint center at www.ic3.gov
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Family
Members
Encourage your family members to join the credit
union to take advantage of our low loan rates and
other financial services.
Our family members include: grandparent, parent,
spouse, sibling, child, grandchild, adopted
children, stepparents, stepchildren and
stepsiblings and persons living in the same
residence maintaining a single economic unit.
This includes any person who is a permanent
member of and participates in the maintenance of
the household, including family members, domestic
partners, foster children and legal guardian
relationships.
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Dividend Rates
Dividends earned for the
4th quarter 2019 on all Share, Christmas and
Special Clubs
are as follows:
*APY = Annual Percentage Yield
Balance between:
$5-$300.99:
.10% apy* .10%
$301.00 & Over:
.20% apy* .20%
2020
Christmas Clubs begin October 1st
Open
a Christmas Club Account via payroll deduction.
You won't miss the few dollars and come next year
you'll be set for the holidays! Dividends earned
are the same as regular savings accounts. Funds
are disbursed to your Checking or Savings with
the Credit Union on October 1st of each year.
Account renew for the same amount each year.
Call us to set up an account today!
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AT&T Employees
Pittsburgh, PA
Federal Credit Union
635 Grant Street
Pittsburgh, PA 15219
Phone:
(412) 227-7210
Fax: (412) 227-7212
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| Rates are subject to
change. Call our office for current rates. Equal
Opportunity Lender, Equal Housing Lender, shares
federally insured by NCUA to at least $250,000. |
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