AT&T Employees Pittsburgh, Pennsylvania Credit Union Quarterly Newsletter Update

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!

LOAN RATES: (All rates based on auto-pay)
*APR = Annual Percentage Rate
Personal Loans...8.50% APR (add 2.00% APR non-auto pay)
Co-Maker..........8.50% APR (add 2.00% APR non-auto pay)
Signature Special...7.50% APR 18mos. Max. $4K (add 1% APR non-auto)
........................7.00% APR 12 mos. Max. $4K (add 1% APR non-auto

Rate Discounted on all vehicle secured loans paid via an automatic payment plan. Call our office for current rates.

New Cars..........start as low as 2.50% APR.
Used Cars.........start as low as 3.90% APR.

Motorcycles......1.00% APR over new & used car rates.

Boats, Antique Autos, Quads, Dirt Bikes & Travel Trailers ....................2.00% APR over new & used car rates.

All H/E loans not paid via an automatic payment plan, add .50% to each rate below:

**Home Equity...4.50% APR 5 yrs. (min. $10K)
.....................4.75% APR 10 yrs. (min. $15K)
.....................5.25% APR 15 yrs. (min. $15K)
.....................5.50% APR 20 yrs. (min. $25K)
**Minimums stated above are NEW money lent, 80% LTV, debt ratio 40% or less, must be one to four owner-occupied PA property only, Maximum loan amount is $80K. Application Fee $200.

2010 Holiday Closings:

January 1st...............New Years Day
February 15th............President's Day
April 9th......................Good Friday
May 31st....................Memorial Day
July 5th.....................Fourth of July
September 6th.................Labor Day
October 11th...............Columbus Day
November 25th & 26th....Thanksgiving
December 24th.................Christmas

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.

The FACT Act - Free annual credit reports
Congress enacted the Fair & Accurate Credit Transactions Act of 2003, or FACT Act. The Act has many provisions designed to keep consumers informed about their credit and to fight identity theft.
One provision requires national consumer reporting agencies to provide free credit reports annually.
To order your free report, visit https://www.annualcreditreport.com

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.ifeefbi.gov

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.

Dividend Rates
Dividends earned for the fourth quarter 2009 on all Share, Christmas and Special Clubs
are as follows:
*APY = Annual Percentage Yield
Balance between:
$5-$100.99:
no dividends
$101.00-$300.99: .25% apy* .25%
$301.00 & over: .50% apy* .50%

2010 Christmas Clubs began 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!

Dividends/Audio Resp.

EMail cu@attpghfcu.com

IRA Acct./Cert. of Deposit


	AT&T Employees Pittsburgh, PA Federal Credit Union 635 Grant Street Pittsburgh, PA 15219 Phone: (412) 227-7210 Fax: (412) 227-7212

http://www.cuna.org
"America's Credit Unions"

http://www.ncua.gov
National Credit Union Association
(NOTE: This is a government site)

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.