We’re taking Internet Security to a Higher Level!

Today, technology changes rapidly. New advances in Internet Banking products and services are introduced every day and we try to ensure we always have the most sophisticated financial tools available for our Internet –savvy customers.

  

That’s why we are pleased to announce that in June 2009, we will be upgrading to the latest version of Multifactor Authentication, which includes a new Advanced Authentication security feature.

 

Our USE@HOME Account Service has been Upgraded!

 

The features and functions within USE@HOME will remain the same; however, the way you login to USE@HOME will change. Your new login will include:

 

 

  • A secret image and caption: When you first logon to the site with this new security feature, you will select your own secret image and set-up an image caption. We will always display your image and image caption before you are asked to enter your password on our website. 
  • Multi-Layer Security: This new authentication method allows the security system to authenticate your computer in order to ensure that the sign-in is not a fraudulent attempt to access your account information. 
  • Challenge Questions: In addition, upon your first login of the new system, you will be asked to setup various challenge questions that will be used for verification purposes if the security system does not recognize your computer.

All you need to remember about our new security feature is simple: Once you’ve signed up, never enter personal information, such as you password, without seeing your personal security image first.

 

We are constantly striving to offer you the best products and services. If you have any questions, please do not hesitate to call 1-800-227-6366 or (405)685-6200 to speak with a member service representative.

 

AlertMe

USE Federal Credit Union is excited to announce AlertMe, a new credit-monitoring service designed to help members fight identity theft which is a growing problem that affects millions of Americans. AlertMe gives early warning of activity on your credit report. Since credit report activity can be a sign of possible identity theft, early detection can help you catch problems quickly to minimize losses.

AlertMe monitors your Experian credit file daily. New accounts, credit cards over the credit limit, and address changes are just a few of the items AlertMe monitors. If an activity occurs, AlertMe will send you an email alerting you to the activity. You can log into the AlertMe Web site to read details about the activity and determine if it is suspicious. AlertMe will also send an email to remind you to order your annual free credit reports.

The AlertMe cost is $4.25 month. Quarterly and annual plans are available at a reduced rate. To enroll or learn more, simply click on the AlertMe on our home page.

Your Auto Resource Center

Our AutoSmart connection can help with every aspect of purchasing a car! From checking local dealers auto selections, to checking the trade-in value of your car, to understanding how to read your credit report-this site has it all. And the best part? It's absolutely free! Check out this useful site today!

NCUA Increases Share Insurance Limit

With the passage of the 2008 Emergency Economic Stabilization Act, your funds are now safer than ever. Under the act, the National Credit Union Administration (NCUA) will increase share insurance protection to at least $250,000 on all types of accounts, backed by the full faith and credit of the United States government. NCUA has always insured shares to at least $100,000, with additional coverage of up to $250,000 for certain retirement accounts. The increase in share protection will continue until at least December 31, 2009.

All federal credit unions, including USEFCU are insured by NCUA, through the National Credit Union Share Insurance Fund (NCUSIF). It should make you rest easy to know not one penny of insured savings has ever been lost by a member of a federally insured credit union, according to the NCUA. You can find more information on federal share insurance at www.ncua.gov/Publications/brochures/insured_funds/funds.pdf.

To better ensure that you are properly covered, we may be able to help you restructure your accounts so that you will have additional coverage. Although the maximums apply to your combined accounts on which you are primary owner, you may increase coverage by being a joint owner, rather than primary owner, for example, on some of those accounts. Give us a call at 405-685-6200.

Protect Yourself From Phishing Attacks

According to Websense Security Labs, at any one time there are more than 800 phishing websites online. Phishing is a method where account numbers, personal identification numbers, usernames, and passwords are collected from users and then used to compromise their online accounts and commit identity fraud.

Phishing attacks typically move from location to location and are online for fewer than three days at a time. Recently, US credit unions, banks, and other financial institutions have had their identities hijacked by sophisticated phishers.

Phishing emails come in different forms, and all are sent in attempt to give scammers access to your confidential information. Some phishing emails request you to send personal information back to the sender in an email. Many even include a link requesting you to enter personal information on an authentic-looking website posing as a financial institution.

Phishing emails appear authentic. Attackers copy official logos, send emails with well-crafted subject lines such as "Urgent security notification", and can provide disguised links appearing identical to a legitimate website's address.

We will NEVER contact you via e-mail to request or verify security information. If you receive a phishing email that has illegally used our name, logo, or website, please forward it to us immediately.

Special  Certificate Rate Offer Up To 2.40%

Great News!  For a limited time the current rate of 2.40%apy is being offered on our 24 month Share Certificates and IRAs.  Now is the time to lock in this Great Rate.  The mimimum deposit is $500.  Contact us today and start saving for tomorrow. 

For a limited time the current rate of apy is being offered on our 24 month Share Certificates and IRAs.  Now is the time to lock in this .  The mimimum deposit is $500. . 

USE Federal Credit Union Receives a 5 Star Rating from Bauer Financial Reports

USE Federal Credit Union Receives a 5 Star Rating from Bauer Financial Reports We have received a 5 star rating from Bauer Financial Reports Inc., the nation’s leading independent financial institution research firm.   This is the highest rating that a credit union can receive and it is the 73rd consecutive quarter that we have received this rating.  A five star rating is evidence of sound management, financial strength and stellar performance.  Every study conducted indicates that a 5 star institution provides a higher level of service and charges less in fees than competitor institutions—a combination every member can appreciate.

E-MAIL WARNING

ATTENTION: Recently there has been an email being sent to random people that looks like it is from Kemp Solutions LLC, concerning "Online Bill Pay Customer Care Satisfaction Survey".  Our recommendation is to delete this message, if you have opened the message do not click on the URL and delete the message.  USE Federal Credit Union DOES NOT participate with any Bill Pay Customer Care Satisfaction Survey.