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Fraudulent Email Notification

Fictitious email messages, allegedly initiated by the Office of the Comptroller of the Currency (OCC) regarding funds purportedly under the control of the OCC, have been sent to some credit union members. Any communication claiming that the OCC is involved in holding any funds for the benefit of any individual or entity is fraudulent. The OCC does not participate in the transfer of funds for, or on behalf of, individuals, business enterprises, or governmental entities. If you have received an email from the following email address, do not respond – it is fraudulent: office2comptroller90@gmail.com deadhead@kfedisbroke.com name@officeocc.com The perpetrators may request, among other data, bank account information, including bank statements, with the purported purpose of making a large dollar deposit into your account. Do not respond in any manner to any proposal supposedly issued by the OCC that requests personal account information, or that requires the payment of any fee in connection with the...
Make Spring Cleaning Pay Off This Year!

Make Spring Cleaning Pay Off This Year!

People sure do like their stuff. Whether it’s the latest tech gadgets or knick-knacks that have been passed down through generations, the things we own hold a special place in our hearts and homes. So, when our possessions pile up, as is their tendency, what’s the logical thing to do? That’s right—rent a self-storage unit. What? That’s not the answer you were expecting? According to a report by Sparefoot, one out of every 11 Americans pays for storage space to keep their overflowing belongings. That’s right, not only are people finding additional ways to store their things, they’re paying good money to do it—$38 billion a year, to be exact. Spending money to stow away various items you don’t need and will probably never use—seems silly doesn’t it? We agree. In fact, we think springtime is the perfect season to do the exact opposite. Clean house. Cash in. Over the past few years, de-cluttering has seen a spike in popularity, thanks in large part to proponents like Joshua Becker and Marie Kondo. While experts like Kondo preach the soul-cleansing benefits of getting rid of anything that doesn’t “spark joy,” we recommend doing it for an entirely different reason. Cash. Cold, hard cash. Don’t get us wrong, we big fan of the physical and emotional perks that come from cleaning house, but we also believe that making a little extra money would make you feel pretty good too. If you’re inspired but unsure where to start, we’ve compiled a helpful list of everyday items that carry solid resale value and the best ways to sell them. Electronics Maybe you just...

College Prep

College is hard enough, don’t let the search for your school and the extra expenses add to your stress. Join us for one of two seminars designed to help high school students find, get into and afford college. Wednesday, April 10 from 6 – 7:30 PM at the Sheridan Branch. There will be a Raffle and giveaways and light refreshments. There are limited spots available for this event. Tuesday, April 16 from 6 – 7:30 PM at Total Wine in Kendall. Light Appetizers will be provided. Will we see you there? Fill out the form below: FieldsetFirst Name * Last Name * Email * Number Which seminar will you be attending? *Please select from the option below:Wednesday, April 10 from 6 – 7:30 PM at the Sheridan Branch.Tuesday, April 16 from 6 – 7:30 PM at Total Wine in Kendall Any additional comments?  VerificationPlease enter any two digitsExample: 12This box is for spam protection - please leave it blank...
Let the Taxpayer Beware: Learn to Spot Six Common Tax Scams

Let the Taxpayer Beware: Learn to Spot Six Common Tax Scams

Now that your W2s and miscellaneous tax documents have arrived, tax season is officially in full swing. While it’s easy to get lost in optimistic daydreams about your tax refund and all you’re planning to do with it, it’s important to remember that scam artists are probably dreaming about what they could do with your refund as well. After reaching an all-time high of more than 700,000 cases in 2015, tax refund fraud has been declining thanks to significant enforcement efforts by federal, state, and private agencies. While these statistics are encouraging, they also highlight the ongoing need for caution and vigilance. So, before you file your 2018 taxes or pay someone to file for you, we want to remind you about six of the most common tax-related scams happening today. Phishing Emails This one is relatively easy to spot. Why’s that, you ask? Because the IRS doesn’t initiate communication with taxpayers via email. So, if you see an email from the IRS pop up in your inbox—even one that looks remarkably official, don’t bother opening it. For good measure, go ahead and mark it as spam before deleting it. Emails of this type have only one goal: to trick you into clicking a fraudulent hyperlink or responding with sensitive personal information. Phishing 2.0 In 2018, the IRS reported a new twist on traditional phishing scams. In the new approach, fraudsters hacked the systems of legitimate tax professionals, stole tax returns containing personal details, and then deposited funds directly into taxpayer bank accounts. After those deposits hit the bank, the criminals posed as the IRS or collection agencies and...
Mind the GAP: Understanding the Value of GAP Coverage

Mind the GAP: Understanding the Value of GAP Coverage

Picture the following scenario: After months of research and planning, you take the plunge and buy a new car. Once the financing is secured and your auto insurance is in place, you’re ready to hit the road. You’re so excited about your sparkling ride that you’re not even worried about the fact that most new cars depreciate by as much as 10% the moment you drive them off the lot—and up to 20% in the first year. That’s a financial fact, but you’re too busy enjoying that new car scent to get bogged down with details like that. Now, imagine that after just a few weeks, you’re involved in an accident that badly damages, or worse yet, totals your car. (Don’t worry—unlike your car, you emerge from this imaginary situation without a scratch.) Fortunately, you did the responsible thing and secured good auto insurance. Once all the proper claims have been filed, you find out that insurance will only cover your car’s market value—which, due to the depreciation, is several thousand dollars less than the amount you owe on your auto loan. If only there were a type of loan protection that would help you make up that difference. Fortunately, there is. It’s called Guaranteed Asset Protection—GAP, for short. What is GAP? GAP coverage is an optional protection plan offered with auto loans or leases, and depending on the plan coverage limits, it effectively waives most of, if not all, the remaining balance on your loan. While your auto insurance plan’s comprehensive and collision policies cover your vehicle’s value in the event that it is totaled or stolen, GAP...