Get Your Maximum Refund and Special Savings on TurboTax

Tax time doesn’t have to be stressful!  With TurboTax, you’ll get your biggest possible refund fast and your taxes done right. PLUS, credit union members save up to $15 on TurboTax federal products, all through tax season.

TurboTax makes it easy to find the best solution for your unique tax situation. Simple filer? Homeowner? Independent contractor, freelancer or side-gigger? TurboTax has a product that is right for you.

File with confidence, knowing that TurboTax guarantees 100% accurate calculations and runs thousands of error checks as you go.  And if you need help, TurboTax has it: from answers online anytime, to unlimited advice and a final review from a CPA or Enrolled Agent with TurboTax Live.

Save on TurboTax today! Try it for free and pay only when you’re ready to file.

* Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2019. Discount applies to TurboTax federal products only. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice.  Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.

Apply today and drive your worries away!

For a limited time, if you refinance your auto loan with us, we’ll slash your rate up to 2%* (as low as 2.75% APR*) AND give you 90 DAYS OF NO PAYMENTS**!

Need a new loan? You can enjoy rates as low as 2.55% APR* AND 90 DAYS OF NO PAYMENTS**!

We also offer:

  • Financing up to 100% of NADA value
  • No setup fees or pre-payment penalties
  • Competitive GAP Coverage
  • Auto Deductible Reimbursement Program
  • Mechanical Breakdown Protection
  • Payment Protection
  • Automatic Payment Transfer, and more!

You could lower your monthly payment, access a low rate loan and enjoy 90 days without a payment.

 Apply today and drive your worries away!

 Need to save even more? Check out these coupons for other great AEFCU deals.

 *APR = Annual Percentage Rate. All Alcon EFCU programs, rates, terms and conditions subject to change at any time without notice and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. New purchase auto loan rates as low as 2.55% APR. Refinanced auto loan rates will not be reduced to less than 2.75% APR. Refinance offer is not redeemable for cash and does not apply to existing Alcon EFCU vehicles loan refinancing. Members must provide documentation acceptable to credit union of their existing rate and term with another lender to qualify for the 2% rate discount on refinanced loans. $5000 minimum loan amount required and maximum loan to value financed within the Alcon EFCU policy and guidelines. Any other loan discounts will not apply. Offer restrictions may apply.

**No payments for 90 days, interest will accrue on the loan beginning the date of disbursement.

2020 Annual Meeting

Please note the 2020 Annual Meeting has been canceled until further notice. Please stay tuned to our website for continued updates.

 

Ready to lay down roots?

If you’re looking for a new place to lay down roots and call home, shop us for your mortgage solution*! We offer a variety of loan options sure to suit your individual needs and budget. You can even apply to get pre-approved so you know how much home you can afford before you start shopping.

We offer:

  • Fixed and adjustable rate solutions
  • Conventional, Jumbo, FHA, VA, USDA loans
  • Competitive interest rates and closing costs
  • Lending officers ready to walk you through the process

If you’re ready to lay down roots, contact our mortgage loan officer, Denise Dixon (NMLS ID #1295994) at 469-409-5778 or via email at denise.dixon@memberfirstmortgage.com.  For more information or to apply today visit us online.

Alcon EFCU NMLS ID #802366
Member First Mortgage NMLS ID #149532

*All loans subject to credit approval. | Terms, conditions and membership requirements apply.

Equal Housing Lender Opportunity Logo

 

Spread the word, Share the love A lifetime worth of benefits for those you love

Did you know you could be spreading a lifetime’s worth of credit union benefits to your family members related by blood, marriage or adoption?

Across the board, credit unions offer lower interest rates on loan products, a higher rate of return on savings products and lower fees on checking accounts, credit cards and closing costs so you can keep more of your money where it needs to be…in your own pocket!

So why wouldn’t you tell your family members about us? Spread the word and share the love of lifelong credit union membership with your family today!

Census Participation in 2020

You may already know that 2020 is a census year, but did you know participating in the U.S. census supports your community? Census results help determine how billions of dollars in federal funding flow into states and communities each year AND how many seats in Congress each state gets.

Once a decade, America comes together to count every resident in the United States, creating national awareness of the importance of the census and its valuable statistics. The decennial census was first taken in 1790, as mandated by the Constitution. It counts our population and households, providing the basis for reapportioning congressional seats, redistricting and distributing more than $675 billion in federal funds annually to support states, counties and communities’ vital programs — impacting housing, education, transportation, employment, health care and public policy.

Ultimately, the success of the census depends on everyone’s participation. So your participation is critical to our community! For more information on the U.S. 2020 census, you can visit https://www.census.gov/.

10 Tips to Buying your First Home

  1. Check your credit – Pull your credit report from each of the 3 credit reporting agencies to ensure accuracy and see where your credit stands. Take the time to correct any errors and/or improve your score as much as possible.
  2. Start saving for a down payment asap – Many programs allow as little as 3% down for a home, however if you can put 20% down, you may avoid paying private mortgage insurance (PMI).
  3. Shop our mortgages – We offer a host of mortgage loan options. Research all of them and/or work with one of our loan officers to find the solution that works best for your situation.
  4. Apply for your preapproval – Apply to get preapproved for your mortgage so you know your budget before you fall in love with something.
  5. Start shopping – Make sure you research your new home carefully, considering the neighborhood, safety and crime statistics, school districts, traffic patterns for your commute, recreational options and more.
  6. Stick to your budget – Shop properties that are less than the amount you were approved for so you can account for closing costs and the expenses of home ownership to come – moving expenses, utility bills, homeowner association fees, furnishings, etc.
  7. Home Inspection – Hire an inspector to examine the property’s condition and work with the seller to see what findings they’re willing to repair.
  8. Homeowner’s Insurance – Get the right homeowner’s protection you need for your home, carefully reviewing everything that is covered in your policy.
  9. Close – When you attend your closing, be prepared to sign a lot of paperwork. Take the time to read the fine print and ask questions. You want to fully understand your purchase.
  10. Move in – Congratulations on your new purchase! Now comes the fun part where you make your new house a home.

2020 Scholarship Recipients

Congratulations to our 2020 AEFCU scholarship recipients: Iris Ung and Isabella Calamia!  Each student will be awarded $500 to use toward their college expenses in the fall.

How to Avoid COVID-19 Related Scams

Scammers are taking advantage of an unfortunate situation and soliciting funds from unknowing targets. Use these tips from the FTC to avoid falling victim!

  • Hang up on robocalls. Don’t press any numbers. Scammers are using illegal robocalls to pitch everything from scam Coronavirus treatments to work-at-home schemes. The recording might say that pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.
  • Ignore online offers for vaccinations and home test kits. Scammers are trying to get you to buy products that aren’t proven to treat or prevent the Coronavirus disease 2019 (COVID-19) — online or in stores. At this time, there also are no FDA-authorized home test kits for the Coronavirus. Visit the FDA to learn more.
  • Fact-check information. Scammers, and sometimes well-meaning people, share information that hasn’t been verified. Before you pass on any messages, contact trusted sources. Visit What the U.S. Government is Doing for links to federal, state and local government agencies.
  • Know who you’re buying from. Online sellers may claim to have in-demand products, like cleaning, household, and health and medical supplies when, in fact, they don’t.
  • Don’t respond to texts and emails about checks from the government. The details are still being worked out. Anyone who tells you they can get you the money now is a scammer.
  • Don’t click on links from sources you don’t know. They could download viruses onto your computer or device.
  • Watch for emails claiming to be from the Centers for Disease Control and Prevention (CDC) or experts saying they have information about the virus. For the most up-to-date information about the Coronavirus, visit the Centers for Disease Control and Prevention (CDC) and the World Health Organization (WHO).
  • Do your homework when it comes to donations, whether through charities or crowdfunding sites. Don’t let anyone rush you into making a donation. If someone wants donations in cash, by gift card, or by wiring money, don’t do it.

For more information or to report a scam to the FTC, visit www.FTC.gov.

 

Holidays

Memorial Day – Monday, May 25, 2020

Independence Day Observed – Friday, July 3, 2020