INTERNATIONAL CREDIT UNION DAY, OCT. 20, 2016: Invite co-workers and family members to join the credit union.
Quarter
NEWS
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INSIDER TIPS
New website
design, layout to
be unveiled in Oct.
The ECU/KCCU website —
www.ecudallas.org — is in the
process of getting a face lift.
By the end of October 2016
you will see a new design and
layout. All of the same information will be available, but will be
easier to navigate and very userfriendly.
Enhanced Security
Enhanced security options have
already been made available on
the website, such as Verified by
VISA and MasterCard Secure
Coding.
Verified by VISA offers you a
way to set up a password on your
card. This password will become
necessary to enter when you
make a purchase at participating
online retailers.
A P u blica t io n o f E m ploy ees C r edit Union
an d K au fman C ou n t y C r ed i t Un i o n ,
A br an ch of Employ ees C r ed i t Un i o n
Serving our Membership for 64 Years — 1952-2016
Fall 2016
FALL SAVINGS!
MASTERCARD BALANCE TRANSFER 5.9%APR*
Say goodbye to high interest rates!
Between Sept. 1 and Nov. 30, transfer your high rate credit card balances
over to your ECU/KCCU MasterCard
and receive 5.9% APR* for the life of
the balance.
Wait. There's more. There are no
transfer fees associated with this
offer!
ECU/KCCU MasterCard
holders can take advan-
tage of these fall savings — for
the life of the balance. Qualified
members will be able to transfer
other credit card balances to their
ECU/KCCU MasterCard at 5.9%
APR* for the life of that
balance.
Time is running out.
Applying is easy. Just
go to www.ecudallas.
org today.
*Annual Percentage Rate. All payments will apply to interest, fees, and promotional balances first. Late payments may cause your APR to revert
back to the standard purchase rate prior to the end of the promotional period. Cash advances are excluded from the promotional rate. Not all
cardholders will qualify for this rate.
MARK YOUR CALENDAR FOR THIS...
Holiday Loan Special — Rates as low as 7.6% APR*
MasterCard SecureCode allows
you to set your MasterCard to
receive either a notifying text or
email when you make an online
purchase.
Both of these security options
can help you keep your account
fraud proof.
Both are painless to set up; just
click on the links provided and
self-enroll.
Your credit union is always
looking for ways to help you
make your account more secure.
The ECU/KCCU 2016 Holiday Loan
Special kicks off just in time to maximize
your season. Mark your calendar for
Nov. 1 – Dec. 31, 2016.
During this time you can borrow up
to $2,500 for a term up to 12 months,
and we will take 1% off your qualified
interest rate.
This is our way of saying Happy
Holidays!
a Borrow
$2,500
aUp to 12 months
a1% off current rate
* Annual Percentage Rate. For qualified
borrowers only — Interest rates are
subject to change and may vary based
on creditworthiness.
ECU/KCCU Mission Statement: “To improve the financial life of each member while offering affordable, quality services, with a ‘can-do’ attitude.”
Need
to
Insurance needs
Know
MAIN LOCATION
Employees Credit Union
8989 Harry Hines Blvd.
Dallas, TX 75235-1717
MAILING ADDRESS
P.O. Box 542288
Dallas, TX 75354-2288
HOURS OF OPERATION
Lobby Tellers
Monday-Friday
9:00 a.m. to 5:00 p.m.
Member Services
Monday-Friday
9:00 a.m. to 5:00 p.m.
Drive-thru Tellers
Monday-Thursday
7:30 a.m. to 6:00 p.m.
Friday
7:15 a.m. to 6:00 p.m.
Loan Department
Monday-Friday
9:00 a.m. to 5:00 p.m.
(additional hours are available by appointment)
IMPORTANT PHONE NUMBERS
Collection/Bankruptcy
Office
Employees Credit Union
214-357-3328 (metro)
P.O. Box 542288
888-344-9994 (toll-free)
Dallas, TX 75354-2288
Member Connection (Audio Response)
ATTN: John Lyon
855-632-0400 (toll-free)
Fax
214-357-3299
INTERNET
E-mail:
[email protected]
[email protected]
Website:
www.ecudallas.org
BRANCH LOCATIONS
Kaufman County Credit Union
A Branch of Employees Credit Union
315 E. Fair St.
Kaufman, TX 75142
MAILING ADDRESS
P.O. Box 988
Kaufman, TX 75142
OFFICE HOURS
Mon-Thurs9:00 a.m. to 4:00 p.m.
Friday
9:00 a.m. to 6:00 p.m.
(additional hours are available
by appointment)
DRIVE-THRU TELLERS
Monday-Friday: 8 a.m. - 6 p.m.
Saturday: 9:00 a.m. - Noon
IMPORTANT PHONE NUMBERS
Office
972-932-8323
Member Connection (Audio Response)
855-632-0400 (toll-free)
Fax
972-932-8393
INTERNET
E-mail and Website:
[email protected]
www.ecudallas.org
BOARD OF DIRECTORS
David Knop, Chairman
Albert Gomez, Vice
Chairman
Lana McCallie, President/
CEO - ECU
QUARTER NEWS
2
Thomson Reuters Branch
24-hour ATM
2395 Midway Road
Carrollton, TX 75006
OFFICE HOURS
M-F 9:00 a.m.-12:30 p.m.
2:00-4:45 p.m.
PHONE: 972-250-7997
When you close on your home or
auto loan from ECU/KCCU, be sure
to check out the insurance options
provided by TruStage Liberty Mutual.
The credit union has secured an incredible opportunity for all members.
This is a membership perk that can't
be beat, but we dare you to compare
these prices.
Liberty Mutual will provide a noobligation quote for you to consider
and compare with your current insurance provider.
ECU/KCCU members will automatically receive a 5% to 15% discount
on their policies with Liberty Mutual
just for being a credit union member.
Tracy McNeil now serves as ECU/
KCCU's new Liberty Mutual representative. She was the national rookie of
the year for Liberty Mutual, and has
a 27-year history with credit unions
all over the Metroplex.
She will do a wonderful job for our
members in saving you money on
auto, home and life policies.
Liberty Mutual also offers renters
insurance.
Drop in to meet Tracy McNeil
9:00 am - 5:00 pm
Friday, Oct. 21
Temporary Checks — Effective Nov.
1, 2016, ECU/KCCU will provide five free
temporary checks with any check order,
first time orders, and reorders. If not
ordering checks the cost will be $0.50 per
check created.
Garnishments — This is being
increased to $50 per transaction, plus
attorney’s costs.
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ECU Main Branch
8989 Harry Hines Blvd.
Dallas, Texas
9:00 am - 4:00 pm
Friday, Oct. 28
KCCU Branch
315 Fair St.
Kaufman, Texas
Tracy McNeil
Office: (817) 377-3606
Cell:
(972) 877-8366
Note: Auto Insurance Program is made
available through TruStage Insurance
Agency LLC and issued by leading
insurance companies. To the extent
permitted by law, applicants are individually underwritten; not all applicants
may qualify. Discounts are not available
in all states and discounts vary by state.
A consumer reporting agency and/or
motor vehicle report will be obtained
on all drivers listed on your policy
where state laws and regulations allow.
Please consult your policy for specific
coverages and limitations. The insurance offered is not a deposit, and is not
federally insured, sold or guaranteed
by your credit union. Your credit union
enables this insurance program to be
offered and is entitled to compensation
from TruStage.
ECUBulletin
Fee update
Ann Kahn,Treasurer/
Secretary
Mary Burgess
Joe Linville
Scott Smith
FA L L 2 0 1 6
LIBERTY MUTUAL OFFERS
ECU/KCCU MEMBER DISCOUNT
Enjoy frightful
savings at Six Flags
and Fort Worth Zoo
Discount tickets are available from ECU/
KCCU for Fright Fest at Six Flags Over
Texas, Oct. 24-30.
n Six Flags Over Texas
General Use Ticket: $47.51
Savings/Benefit: $26.00 — Better than
Kid's Price!
(Children ages 2 and under admitted
free.)
n Holiday in the Park
Be sure to check www.ecudallas.org
for updated specials. Holiday in the
Park at Six Flags tickets — Nov. 1 - Jan.
1 — will be going on sale soon. Don't
miss out!
n Fort Worth Zoo
Special ECU/KCCU member pricing:
Adults:
$11.00
Child (3-12) $7.50
Senior (65+) $7.50
Admision tickets valid through Dec.
31, 2016.
Holiday schedule
Columbus Day — Monday, Oct. 10
Veterans Day — Friday, Nov. 11
Thanksgiving Day — Thursday and
Friday, Nov. 24-25
Christmas Day (observed) — Friday,
Dec. 23 and Monday, Dec. 26
Note: ECU's branch, Kaufman County
Credit Union, will have normal drivethru hours on Saturday, Nov. 26 and
Saturday, Dec. 24.
New Year's Day (observed) — Monday,
Jan. 2, 2017
Complaint Notice — If you have a problem with
services provided by this credit union, please contact us
at: Employees Credit Union, PO Box 542288, Dallas, TX
75354-2288, (214) 357-3328. The credit union is incorporated under the laws of the State of Texas and under
state law is subject to regulatory oversight by the Texas
Credit Union Department. If any dispute is not resolved
to your satisfaction, you may also file a complaint
against the credit union by contacting the Texas Credit
Union Department at 914 East Anderson Lane, Austin,
Texas, 78752-1699; Telephone number: (512) 837-9236;
Website: www.cud.texas.gov.
IN THE COMMUNITY
ECU “We
make a living by what we get, but we make a
life by what we give.”
1.) Weitzman Group/Cencor Realty — A
presentation was held on Aug. 30. Carol
Sams, the winner of the $25 Darden gift
card, is pictured with Russell Ellis.
1.
2.) Irving/Las Colinas Chamber of Commerce Meeting — Russell Ellis attended
the chamber meeting along with more
than 100 members Aug. 23.
3.) Homewood Suites — The presentation
by Russell Ellis and Gina Rangel was held Aug.
31. The winner of the $25 Darden gift card
was Lidia Rivas (left) pictured with Rangel.
2.
4.) Dallas Nephrology — The presentation was held on Sept. 7. Pictured are David
Knop, HR Director for Dallas Nephrology
and ECU Chairman of the Board (left);
Donna Brodbeck, winner of the drawing;
and Russell Ellis.
n Alliant Systems
— The presentation
was held on Sept. 7.
The winner of the
$25 gift card was
Leslie Farmer.
3.
Farmer
5.) Kaufman Chamber of Commerce
Auction — ECU's branch, KCCU, participated in the auction, which was held at the
Witherspoon Ranch in Kaufman on Sept.
17. Donated items included a portable
grill and two Yeti insulated tumblers. First
photo, from left: Wendy Mitchell (Auction Committee member), Anne Glasscock
(Chamber CEO), Melinda Polk (Auction
Chair), and Kailey Loden, (KCCU Teller).
Second photo: ECU/KCCU Board Member
Albert Gomez and his wife, Ericka.
n Jeans Week!
Sept. 26-30 is Jeans
Week. Staff members,
with a contribution to
the Childrens Miracle
Network will be wearing jeans. Members
are invited to support
children in our area.
4.
— Winston Churchill
Stay ahead of fraud by
taking these precautions
Account-to-Account transfer limit
ECU/KCCU offers the Account-toAccount transfer service, which is a great
member benefit.
As a security measure, beginning Nov. 1,
2016, the maximum amount for an
Account-to-Account transfer for the entire
month will be $1,000. You may conduct up
to three transfers during the month, but
they can’t total more than $1,000 for the
month.
Malware protection
Virus protection software is not enough
to protect your personal devices. You also
need to have Malicious Software
Protection — or malware. Use both of
these protections by running scans frequently. You should also regularly monitor
all of your financial accounts with ECU/
KCCU and others.
Check your email sources
Be aware of any email from an unknown
source, or opening an attachment from a
known source until you have confirmed
that the sender really did send the attachment to you.
It only takes seconds for your device to
become infected with malware, which
allows the fraudsters to watch every keystroke you make, therefore exposing your
login information to the secured sites you
visit.
Bank wires are always checked
When requesting a bank wire through
the Message Center, ECU/KCCU will call the
number we have on record for you, not a
number you put in the bank wire message.
You may also fax a signed and dated
bank wire request, or you may make the
request in person. ECU/KCCU will not take
bank wire information over the telephone,
and we will continue to follow this policy.
Be vigilant!
We wish we didn’t have to tighten our
transfer amounts and our bank wire procedures, but fraud prevention requires us to
take these measures to protect you.
We are trying our very best to minimize
the exposure your ECU account has to
fraud.
5.
n Gourmet Foods
Gourmet Foods will
participate in an event
that will review ECU's
services, background,
current offers and
reasons to become
a member. Details:
Meeting will be on
Sept. 30 at 8:30 a.m.
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FA L L 2 0 1 6
3
QUARTER NEWS
services
E m p l oy e e s C r e d i t U n i o n
SAVINGS:
Individual Retirement Accounts (IRAs)
Looney Tunes Savings Club
Money Market Savings Accounts
Share Draft (Checking) Accounts
Share (Savings) Accounts
Secondary Savings Accounts
Term Share Accounts (Certificates)
LENDING SERVICES:
Bill/Credit Consolidation Loans
Enterprise Car Sales (Pre-owned)
Home Equity Loans
Home Improvement Loans
MasterCard Gold with Cash Back
MasterCard Cash Advances
MasterCard: Classic and Secured
MasterCard Balance Transfers
Mortgage/Real Estate Loans
New and Used Vehicle Loans
Preapproved Line-of-Credit
Preferred Dealer Network NEW!
Signature Loans
SPECIALIZED AUTO SERVICES:
Dent Guard NEW!
Extended Service Contracts
Guaranteed Auto Protection
CONVENIENCES:
24-Hour Bilingual Audio Response
Account Alerts via Home Banking
ACH Loan Payment CONVENIENCE!
Check Cashing of Sponsor Checks
Checking Overdraft Protection
Dallas Zoo Discount Tickets
Direct Deposit and Payroll Deduction
Drive-Thru Teller Lanes
Drive-Thru ATM Access
E-Statements
E-Transfer
Family Membership Eligibility
Fort Worth Zoo Discounts
Free VISA Checking Account
Free Home Banking ENHANCEMENTS!
Free Notary Service
Free Online Bill Payment with any
Checking
Free VISA Cash Advances
Insta$ave
MasterCard Gift Card
Members Auto Insurance
Members Homeowners Insurance
Night Depository
Online Loan Application
Online Membership Application
Online Security Authentication
Official Checks
Safe Deposit Boxes
Six Flags/Hurricane Harbor Discounts
SpotPay for small businesses NEW!
TruStage Auto & Home Insurance Program
VISA Check Card (Debit Card)
Western Union/Wire Transfers
Web Site and E-mail
INSURANCE:
Federally Insured Deposits
Loan Protection Insurance
Credit report notice: ECU/KCCU does report
information about your credit union share and
loan accounts to credit bureaus. Payments that
may be late, missed or in default will be reported and reflected in your credit report.
QUARTER NEWS
4
FA L L 2 0 1 6
Beware
!
Security alert
of
Botnets
Newest trend for hackers is putting
businesses, consumers at risk
B
otnets might sound like a funny
term, but there’s nothing funny
about the damage they can
inflict on businesses and, in turn,
consumers.
These united mobs of computers have the power to hamper your bottom
line, prompt customer angst,
and deliver an ongoing series of
frustrating, performance-altering
problems. Most often, you won’t
even realize the damage botnets
are causing until it’s too late.
Botnets defined
A growing global problem,
botnets are a collection of
computerized devices under the
control of a hacker. The network
consists of computers that have
been infected with malware that
allows them to be remotely controlled. The
botnet can then be used to send spam emails,
transmit malware and viruses, initiate distributed denial-of-service attacks, and contribute to
cybercrime, which can include snagging sensitive
business data ranging from financial records to
customer data.
Also called a zombie army — given their
interconnected nature of hundreds, thousands,
or sometimes even millions of computers —
botnets are considered one of most significant
threats in today’s digital universe, and their
impact is only growing.
According to a recent cybercrime report,
botnet attacks jumped by 33% in the opening three months of 2016 compared to just the
final quarter of 2015, a rise propelled in part by
an ever-accelerating black market for botnets
among cybercriminals eager to use the botnets
for fraud, data theft, and other illicit, moneymaking schemes.
For businesses of all types and sizes, botnets
can pose a major threat—particularly to small
businesses, which often lack the resources and
expertise to be as digitally vigilant as a largescale company. Botnets have the potential to put
your business functions and productivity at risk.
Botnets can:
• Distribute malware throughout your network, inhibiting computers and compromising important business information.
• Test stolen login details on banking or
e-commerce websites to grab personal or
financial data.
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• Withhold, or encrypt, captured information until a ransom is paid (According to
the FBI, hackers captured $209 million
in ransomware payments in the opening
quarter of 2016 alone).
4 steps to thwart botnets
Botnets are an undeniable and growing
risk, but there are
proactive steps you
can take to minimize
your risk of being a
victim:
1. Use a different
password for each
account.
2. Install effective anti-malware
software on your
computer, and keep the software active
and up-to-date.
3. Avoid downloading and running pirated
software.
4. Use professional services to strengthen
protection or rectify problems. HP Care
Packs offer additional protection to
enhance and extend protection on your
computers, and the HP Help Desk delivers 24/7 support for software problems
on any device.
Additional help may be on the way with the
Botnet Prevention Act currently weaving its way
through the U.S. legislature. This bill promises to
create new penalties for selling or providing access to botnets. The bill attempts to both weaken
the swelling black market for botnets, as well as
the illicit activities they are capable of unleashing.
But lobbyists against the bill argue that it could
target and hinder security researchers developing
methods to prevent botnet attacks and are calling on Congress to reject the latest version.
Keeping botnets at bay
Make no mistake, the threats posed by botnets
are real and the potential consequences of a
botnet attack can stymie your business’ ability to
accomplish its goals. However, by taking a few
simple, proactive steps, you can minimize your
risk of being a victim and focus on your business’s performance — not crippling computer
problems.