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What's New at CCCU
Lobby Monday – Thursday 8:30-5:00 Friday 8:30-5:30* Drive Thru Monday – Thursday 8:30-5:00 Friday 8:30-6:00 *This is on a trial basis - final decision will be based on Member response
Password Requirements Changing In the near future, you will be required to set up “strong” passwords for Home Banking. A strong password contains a combination of uppercase and lowercase letters, numbers, and symbols, and they typically contain seven characters or more. Members will also be prompted to change passwords after a certain length of time to maintain security. Even though strong passwords are not yet required, it is a good idea to use this formula as a guide for all of your passwords. Given enough encrypted data, time, and computing power, attackers can compromise almost any cryptographic system. You can prevent such attackers from succeeding by making the task of cracking the password as difficult as possible. Two key strategies to accomplish this are to set strong passwords and to change passwords periodically. By changing passwords periodically attackers do not have sufficient time to crack the complex encryption code.
Drive Away with a Great Deal Today! The Right Car. The Right Price. The Right Loan. If you are in the market for a new or used car or truck, we can help! Apply for your loan today - it's as easy as 1-2-3! 1) Get preapproved - Apply on line and save .25% or you can call or stop in to talk to one of our Member Service Reps. 2) Review coverage options - Add credit life insurance, disability insurance and/or GAP Plus to your loan at a minimal price for maximum protection. 3) Pick up your check! Moving? If you are planning to move, please be sure and notify us of your new mailing address. For security reasons, we never forward your statements. Beginning April 1, 2010, if mail is returned to us due to any of the following reasons: “moved left no forwarding address”, “forwarding address has expired” or incorrect street name or number, there will be a $5 fee assessed to your account. If you would prefer to receive your statements electronically, please contact us about E Statements. Heading South for the Winter? If you are planning to move, please be sure and notify us of your new mailing address. Also, if you are going away for the winter and would like your mail sent to you there, we can do that for you! We can set up the beginning and ending dates to correspond with the time you will be away and your mailing address will automatically return to your home address when that time period has ended.
If you are traveling out of state or out of the country or need to make a large purchase with your VISA or Debit card and it falls outside of your normal pattern of activity, your card may be blocked. It is recommended that you contact CCCU ahead of time to inform us of your plans. We also suggest that you take the number for Falcon with you so that you can reach them immediately in the event that your card is blocked. Falcon is our 24/7 fraud monitoring system which monitors your card for excessive or unusual activity. Falcon's number for use while traveling in the US is 888-241-2440 and
Shared Branching Partners If you are out of the area and want to access your account you can visit one of our many Shared Branch locations. Stop by the office for an up to date list or click on the Xtend logo on the right side of the home page. EXCITING NEWS! Lake Huron Credit Union has now joined our Shared Branching partners! Their office is located at 1540 Tittabawassee Rd. and they are open until 6:00 daily and from 8:00-1:00 on Saturday.
Need to Find a Co-Op ATM on the Go?
Click on the red Co-Op logo located in the right hand column on the home page and you can locate all surcharge free You can use your Consumers Choice Debit or ATM card to withdraw money at any 7-11 ATM free of charge. 7-11 is part of the Co-Op Network which allows you can grab some cash next time you get a slurpee with no fees! And AS ALWAYS our ATM is surcharge free. Note: If the machine says there is a fee, accept the charges. As long as it is a 7-11 ATM or an ATM within the Co-op network, you will not be charged. You are allowed up to 6 free transactions at any Co-op network ATM. After your 6th transaction, the Credit Union will charge you $1.00 per transaction.
Life is a Day at the Beach with Our Always short on money? Have difficulties scraping together money of emergencies or unexpected expenses? We have got the perfect opportunity for you! It is called the Life Saver Account and we have designed it with you in mind. The Life Saver Account offers an interest rate of 3% with minimum monthly deposits required. With as little as $25 a month or a maximum of $100 a month for a one year period, not only will you be rewarded with extra interest, your name will be entered into a drawing each quarter for your chance to win $25! For more information you can stop in or call us at 989-799-5580 and we would be happy to answer any questions you may have.
Get Your FREE Credit Report Annual Credit Report Request Service
MEMBER ALERT E-MAIL SCAM AND TELEPHONE SCAMS Some of our members have reported receiving e-mails from a "phishing" e-mail scam asking them to click on a link to "authenticate" their account information for internet home banking. CONSUMERS CHOICE CREDIT UNION WILL NEVER SEND AN E-MAIL ASKING FOR YOUR ACCOUNT INFORMATION. NEVER RESPOND TO AN E-MAIL MESSAGE OR ANY CONTACT THAT ASKS YOU FOR YOUR PERSONAL INFORMATION. Click on the box below to learn more about phishing scams and how to protect yourself.
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Consumers Cents Newsletter 
