Fall savings are in the air! Alcon EFCU has 2 great ways to save on your Auto Loans!

Fall Savings

#1 Bring your auto loan from another lender to Alcon EFCU and we’ll cut your rate by up to 2% APR*!
With an Alcon EFCU Auto Loan, you’ll enjoy:
• No Payments for 60 days**
• Financing up to 100% of NADA value
• No setup fees or pre-payment penalties

#2 Looking to purchase a new car? Alcon EFCU has financing as low as 3.15% APR for new or new-to-you vehicles as well! Plus, when you finance a new car through Alcon EFCU, enjoy No Payments for 90 days***! This offer does not apply to vehicles already financed at other financial institutions.

Subject to credit approval. All credit union loan programs, rates and terms are subject to change at any time without notice. Some restrictions may apply. | *Annual Percentage Rate. Loan rates will not be reduced to less than 3.25% APR. Members must provide documentation acceptable to credit union of their existing rate and term with another lender to qualify for the 2% rate discount. $5,000 minimum loan amount required and maximum loan to value financed within the Alcon EFCU policy and guidelines. Any other loan discounts will not apply. | **No payments for 60 days, interest will accrue on the loan beginning the date of disbursement. | ***No payments for 90 days apply to new auto loans only. Interest will accrue on the loan beginning the date of disbursement. This offer does not apply to vehicles already financed at other financial institutions.

It’s the most wonderful time of the year…Skip-a-Loan-Payment!

Skip Payment

For a limited time, we’re offering you the chance to skip your loan payment(s)* in December so you can use those funds to help make your family’s holiday merry and bright!

Simply complete our skip-a-pay form and submit no later than November 30, 2018.

FOR MORE INFORMATION, CALL 800.235.6913 TO SPEAK WITH A LOAN REPRESENTATIVE TODAY!

*For just $30, you may skip your December loan payment. AEFCU will defer your payment for one month and extend your final payment on the loan(s) by one month. Normal interest charges will continue to accrue. Offer valid on selected consumer loans. Joint loans require both applicants’ signatures. All loan deferments are subject to AEFCU approval. Visit alconefcu.org for details. Skip-a-pay form must be returned no later than 11-30-18.

VISA® gift cards for the holidays? I’m in!

Gift Card

VISA® gift cards* are the perfect holiday presents for your friends and family this year. You can avoid the holiday shopping lines AND keep more cash in your pocket because we offer a no purchase fee special during November and December!

  • NO purchase fee from November 1, 2018 – December 31, 2018 (Many retailers charge up to $6 per card)
  • Safer than cash
  • Accepted almost anywhere

Take the hassle out of holiday shopping and keep more cash in your pocket…visit the credit union to pick up your VISA® gift cards today!

*USE DOMESTICALLY EVERYWHERE DEBIT CARDS ARE ACCEPTED. If you are purchasing two or more gift cards, please call or email us at least two days in advance to have them ready for you. A monthly inactivity fee of $2.95 applies after 12 consecutive months of inactivity. Lost/stolen replacement card fee of $5.00. Gift cards are issued by MetaBank®, Member of FDIC.

Tired of racking up holiday debt every single season? Avoid unnecessary debt this season with these quick and easy tips!

Holiday Debt
  1. Set a holiday gift budget that you can easily afford, and then stick to it by tracking your spending as you buy.
  2. Make a list of all gift recipients and allot your budget to each accordingly.
  3. Plan the way you’ll pay – cash or credit. If cash, start setting aside savings for your spending now. If credit, make a repayment plan to avoid carrying unnecessary debt into next year.
  4. Get creative and give meaningful gifts instead of pricey ones.
  5. If you need a new source of funds for the holidays, consider a seasonal job or suspending certain luxuries for a couple of months such as subscription services, dining out, weekend activities, etc.

Holiday cash to keep you warm!

Holiday Cash

Cozy up with extra cash this holiday season with an Alcon EFCU Holiday Loan! We know the holiday season can be expensive. That’s why we’ve created this special holiday loan to help you worry less about the money and enjoy more of the holiday season. If you apply for a loan between now and January 31, 2019, you can enjoy:

  • Loan amounts up to $4000
  • Terms up to 12 months
  • Rates as low as 8.74% APR*

Get your help today by visiting alconefcu.org or calling 817.551.8495!

*Subject to credit approval. APR = Annual Percentage Rate. Terms up to 12 months, estimated monthly payment of $88.00 per $1,000 borrowed at 8.74% APR. The rate and loan amount may vary depending on each individual credit history and underwriting factors. Effective November 1, 2018 through January 31, 2019. All credit union loan programs, rates and terms are subject to change at any time without notice. Some restrictions may apply.

Don’t become a victim of identity theft!

ID Theft

Identity theft is when criminals steal your personal information in order to take over or open new accounts, file fake tax returns, rent or buy properties, or do other criminal things using your name or other identifying information – and it continues to threaten consumers everywhere. Make sure you don’t become the next victim.

Follow these 10 easy tips to help prevent identity fraud!

  1. Protect your Social Security Number (SSN) and all of your Personal Identification Numbers (PINs) – Do not carry your SSN or PINs in your wallet or print your SSN on your personal checks, and make sure to change your driver’s license number to a unique number rather than your SSN. Also, take care to shield yourself when entering PINs into an ATM or retail keypad.
  2. Require photo ID verification – Rather than signing the back of your credit cards, write “See photo ID” to prompt store clerks to request ID and verify the appropriate cardholder.
  3. Keep your receipts – Request receipts and compare each with your account statements so you can identify any unauthorized transactions on your account(s).
  4. Use a shredder – Use a cross-cut shredder to dispose of any documents that contain personal information and use a specialized gel pen when writing out checks.
  5. Destroy e-data – Ensure all digital data is destroyed from any electronics you decide to sell, trade or trash including hard drives, recordable CDs, DVDs or thumb drives. Often deleting the data or reformatting the hard drive is not enough.
  6. Keep your private information private – Do not respond to unsolicited requests for your personal information over the telephone, online or in the mail. Financial institutions, credit card companies, telephone companies and other authentic creditors do not call to “verify” account numbers or request your personal information.
  7. Monitor your mail – Always put a hold on your mail with the post office if you’re away from home for more than a day or two. If you notice your bills or financial statements are later than usual, contact the sender.
  8. Verify the validity of a suspicious-looking email or online pop-up before providing personal information.  Never respond to e-mail or “pop-up” messages on your computer claiming some problem with a credit card, Internet, or other account.
  9. Monitor your credit – Check your credit reports at least once a year, more frequently if you suspect others have accessed your account information.
  10. Remember passwords – Take care to commit all of your passwords to memory. Never write them down or carry them around with you. When creating passwords, do not use common numbers or personal information that could be assumed (such as birth dates, kids’ names or part of your social security number)