Welcome to Hopewell Chemical FCU

Not for profit, not for charity, but for service! 


     DECEMBER 2014 

 

 

 

WE ARE KEEPING OUR VEHICLE LOAN RATES LOW IN 2014!

 CALL JAIME OR HEATHER TODAY AND GET PREAPPROVED!

GETTING PRE-APPROVED IS FAST AND EASY!

If you are looking to purchase a new / pre-owned vehicle or would like to refinance a vehicle financed at another institution, our low rates can help you save!

NEW 2015 & 2014 VEHICLES & MOTORCYCLES

2.99% APR* - 100% FINANCING UP TO 72 MONTHS TO REPAY

3.25% APR* - 100% FINANCING UP TO 84* MONTHS TO REPAY including tax, title, tags, warranty, gap, etc. (* for loans over $20,000.00)

PREOWNED 2014, 2013, 2012 MODELS @ 3.99% FOR 72 MONTHS

Call about all older models also!

CONTACT JAIME OR HEATHER in the loan department today or go to the website to start your loan request @ www.hopechemfcu.org.

WE OFFER WARRANTIES & GAP INSURANCE AT AFFORDABLE RATES!

*APR = ANNUAL PERCENTAGE RATE

ABOVE RATES EXCLUDE CURRENT LOANS WITH CREDIT UNION. LOAN APPROVAL BASED UPON APPROVED CREDIT AND REGULAR EMPLOYMENT. SPECIAL RUNS THROUGH SEPEMBER 30, 2014.


 GO "e" AND SAVE A TREE

   SIGN UP FOR eSTATEMENTS & SAVE $2.00 PER MONTH ON HOMEBANKING!           

IF YOU ARE ALREADY USING HOME BANKING, JUST GO TO THE SELF SERVICE TAB AND CLICK     E-STATEMENTS - FOLLOW THE INSTRUCTIONS AND SIGN UP TODAY.

SIGN UP TODAY! JUST CLICK ON THE ICON BELOW!

YOU CAN ACCESS YOUR ACCOUNT INFORMATION AT ANY TIME! WITH VIRTUAL BRANCH HOME BANKING YOU WILL BE ABLE TO VIEW YOUR ACCOUNT BALANCES, MAKE TRANSFERS, VIEW CLEARED CHECK IMAGES AND MORE! NO FEE IF YOU SIGN UP FOR  E-STATEMENTS!  IF YOU STILL WANT YOUR PAPER STATEMENT STILL AT $2.00 PER MONTH PER MEMEBER ACCOUNT NUMBER. OUR HOME BANKING SERVICE HAS ENHANCED AUTHENTICATION FOR EXTRA SECURITY!

 Click the image to access your virtual branch log in. 

First time users click the image then select the Enroll Online from the menu bar at left.

Check out the ATM LOCATOR, (under the tool bar on left), for all the ATMs you can use that are Surcharge Free. Just put in the Zip Code you desire, (even if you are traveling), and  see a list of the Surcharge Free ATMs.


VIRTUAL BRANCH BILL PAY - PAY YOUR BILLS ONLINE!  

    Paying your bills online is as Easy as 1 - 2- 3 !!! More Flexibility - online payments can be setup at anytime for a small monthly fee*

Remember you must have a SHARE DRAFT CHECKING  account and HOME BANKING to enroll. TO ENROLL: Log on to Home Banking. Go to Personal Options menu - Click on Bill Pay Enrollment - you are required to read the Terms and Disclosure - If you agree, click on "I Agree" then click Enroll in BillPay and your enrollment is complete! The next time you log in, you will see the "PAYIT" menu on the left side of your Home Banking page.

The first month of "PAYIT" is FREE! Subsequent months are $5.00* per month per member account number - unlimited checks! If you have any questions, call us at 804-452-2480


IF YOU NEED A LITTLE EXTRA CASH TO MAKE YOUR HOLIDAYS BRIGHTER WE CAN HELP!

We will loan qualified member up to $5,000.00 at 9.90%APR up to 24 months 10.50%APR up to 36 months to repay. Maximum signature loans owed to Credit Union @ $5,000.00.

or

Ask how you can skip a payment this month!  

Qualified loans may be eligible for our Sip-A-Payment service.

Contact Jaime or Heather in the Loan Department today @ 452-2480 or go to our website to start you loan request. www.hopechemfcu.org. Loan approval based upon approved credit and regular income. Special Good Through December 31, 2014


CALL TODAY ABOUT A VISA CREDIT CARD!

All transactions including balance transfers made on the VISA Card during the first 6 months will be at 6.90% APR . After your card's first 6 month period, any balance will go to your regular VISA Credit Card interest rate.

          BENEFITS INCLUDE: 

                No annual fee, no minimum balance fee, same low rate on all your  transactions, around the clock fraud protection, credit life and credit disability insurance available, cash advances made at the credit union office have no fee, letter checks available for easy balance transfer and purchases.

APPLICATION AND APPROVAL ARE REQUIRED.  CREDIT LINE REQUESTS WILL BE EVALUATED BASED ON CREDIT WORTHINESS,  REGULAR INCOME AND DEBT RATIO OF THE APPLICANT. CALL JAIME OR HEATHER TODAY !


 LOST / STOLEN CARDS! 

  VISA DEBIT / CHECK CARD - CALL - 800-472-3272 

VISA CREDIT CARD - CALL - 800-991-4964

Please let us know when you have an address or telephone number change. Due to the Privacy Act, We must talk with you personally.  

Call us at 804-452-2480.  

IMPORTANT VISA DEBIT & CREDIT CARD FRAUD ALERT:

FRAUDSTERS CONTINUE TO USE AUTOMATED PHONE CALLS (REFERRED TO AS ROBOCALLS) TO OBTAIN PERSONAL OR FINANCIAL INFORMATION CONCERNING YOUR VISA CREDIT CARD OR DEBIT CARD. THE AUOTMATED CALL PLAYS A RECORDED MESSAGE INFORMING MEMBERS THEIR CREDIT OR DEBIT CARD HAS BEEN BLOCKED OR STATING THAT THEY CAN POSSIBLY LOWER YOUR RATE ON YOUR VISA CREDIT CARD.

NEVER, NEVER, NEVER RESPOND TO ANY TELEPHONE CALL REQUESTING PERSONAL OR FINANCIAL INFORMATION. WE WOULD NEVER CALL YOU REQUESTING THIS TYPE OF INFORMATION, WE ALREADY HAVE YOUR PERSONAL AND FINANCIAL INFORMATION.

If you recieve such a call, please let us know at the Credit Union (804-452-2480). Report the call to the Federal Trade Commission @ 1-877-382-4357 and even let your phone service provider know about the call - landline or cell phone number. 

MORE FRAUD INFORMATION BELOW! 


SALLIE MAE SMART OPTION STUDENT LOANS IS A SMART WAY TO HELP FINANCE YOUR COLLEGE NEEDS!


 HOLIDAY HOURS

  DECEMBER 24TH - CLOSE AT 2:00PM - CHRISTMAS EVE 

DECEMBER 25TH - CLOSED - CHRISTMAS DAY


DON'T TAX MY CREDIT UNION

The Nation's Credit Unions face a potential tax challenge in Congress if legislators undertake tax reforms that would wipe the slate clean of all current tax exemptions and develop new tax laws. Credit Union's are Member Owned, Not-For-Profit Cooperatives with a specified mission of promoting thrift and providing access to credit to their membership. The federal tax exemptions allow us to offer better rates on savings accounts, lower rates on loans and much smaller fees. There are some in the financial industry, "mostly bankers", who say Credit Unions should pay income taxes, even though the banks took huge government bailouts. Not one taxpayer dime has ever been spent to bail out a Credit Union. Our elected representatives in Washington D.C. are in the process of reviewing tax reform possibilities. I am asking you as Hopewell Chemical Federal Credit Union Members, to join us and contact your representatives, telling them not to tax your Credit Union. Details about this effort are available and I would also encourage you to visit http://www.donttaxmycreditunion.org/ to send a letter to your representative.

On the behalf of our Dedicated Volunteers and Staff, I thank you for YOUR Support of and Membership in Hopewell Chemical FCU. We look forward to a lifelong relationship with you and your family.

Lynda K. Frink, Manager


 ALERT - FRAUDULENT TELEPHONE CALLS / TEXT MESSAGES!

OUR FRAUD MONITORING SERVICES WILL "NOT" ASK YOU FOR YOUR CARD NUMBER, YOUR PIN, CVV OFF THE BACK OF YOUR CARD, SOCIAL SECURITY NUMBER, OR YOUR DATE OF BIRTH. ALSO; WE WOULD NEVER TEXT MESSAGE YOU CONCERNING YOUR ACCOUNT HERE AT THE CREDIT UNION. IF YOU ARE SCAMMED, IMMEDIATELY CALL THE ABOVE NUMBERS!   PLEASE LET US KNOW AT THE CREDIT UNION ALSO, SO WE CAN BE SURE YOUR ACCOUNT IS PROTECTED AND WE WILL BE ABLE TO WARN OTHERS! 

Valuable Websites:

Internet Crime Complaint Center: www.ic3.gov

Federal Trade Commission: www.ftc.gov

Protect yourselves by following these simple rules: 

   check your monthly statements to verify all transactions

notify us immediately of any erroneous or suspicious transactions 

be suspicious of e-mail that ask for personal or financial information

be cautious of any business that contacts you to notify you of "problems" with your account, or entices you with prizes

Please keep your address and telephone numbers updated in case we need to contact you!

                


 By Federal Regulation all payments from unlawful internet gambling are prohibited! 

   

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