There are 6 college Making too many payments scholarships available through each month is frustrating the Iowa Credit A home equity loan from Linn Area Credit Union could be all it takes for you to pay off your car loans, Union League those credit cards, school loans or any other debt Family Involvement you have. Get the other loans paid off and only make Board. The deadline one payment each month. It really is that easy - plus the interest is usually tax deductible! (See your tax Holiday sticker There’s a new Marion for submission is advisor.) shock? location coming next year! February 3rd. Click Equity is the difference between the amount your Well, the Linn Area is pleased to announce that our Marion here for details. home is worth and how much you still owe on it. With a home equity loan, you can borrow up to 100% of the holidays came branch will be moving into a new building in the Lincolnview Square development next year. The equity in your home to get these debts paid off and get and address will be 3275 7th Ave and the building will We will be your finances into a manageable state. went, leaving be nearly identical closed January 16th Think about it - our home equity loan rates are most behind to our for Dr. Martin Luther likely lower than the interest rate on your credit cards. a trail Edgewood With one low-rate of bills (and King, Jr.’s Birthday loan, you could tears). Would Road branch save a lot of money a month off that in interest and from your loan payment help? opened Effective March 1st, have much more in 2011. breathing room If you didn’t do it last month, you can 2012 the high yield in your checking skip the January payment on your We hope checking account will account each LACU auto, personal and/or second you’re as month! mortgage loan(s). The cost to skip excited as be tiered at levels of is $25 for each loan, which will be we are about this great new location! $15,000 and $25,000. Stop in or call 378- added to your loan balance. Think of 0101, x 4 with any The dividend rate questions. Don’t all the things you could use that loan payment for, instead - like paying for paid will remain feel so strapped the holidays! unchanged at this every month - enjoy some To take advantage of this offer, click time. financial freedom! here or stop by any of our branches and ask for a skip payment form. Please return the form at least 4 Branch Hours business days prior to skipping an Visit us at www.linnareacu.org Monday 9:00 to 5:00 automatic payment to allow processing Contact Us Tuesday 9:00 to 5:00 time. If you have questions, give us a Phone: (319) 378-0101 or (800) 950-5228 Wednesday 9:00 to 5:00 call at 378-0101, x4. ART: (319) 393-2266 Thursday 10:30 to 5:00 Live Chat: www.linnareacu.org Friday 9:00 to 6:00 *Loan must not be currently delinquent and must be a closed end loan (auto, second e-Mail: firstname.lastname@example.org Saturday 9:00 to 12:00 mortgage or personal loan) to qualify for this Online branch Always open promotion. Locations: 3015 Blairs Ferry Rd NE 3700 Edgewood Rd SW 3330 Mt. Vernon Rd SE 985 31st St Marion Drive-Up Only Location: 619 20th Ave SW Safeguarding your information online You should know: If you totaled your car In today’s high tech world, we are able to do things more quickly and conveniently electronically • Linn Area Credit Union will NEVER call, today, would you have whether it’s sending a letter via email, paying bills or even shopping online. With this increase email or otherwise contact you and ask for your username, password or other online to keep making in speed and convenience also comes increased risk. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. At Linn Area Credit Union, banking credentials. • Linn Area Credit Union will NEVER contact payments on it? keeping members safe is a priority. One of the best ways to avoid fraud is to become an educated you and ask for your credit or debit card Sure, your auto insurance would cover consumer and we would like to help you in this endeavor. Please take a moment to read this number, PIN or 3-digit security code. a lot, but most likely not all, of the important information on how to keep yourself safe online. Please see below for more information loan amount because of dramatic about how our card providers approach depreciation on new and late model An important part of online safety is knowledge. The more you know, the safer you’ll be. Here are customer service calls. automobiles. This scenario is unfortunately some great tips on how to stay safe in cyberspace: Credit Cards common when a car is totaled, leaving people “upside Our card provider, The Members Group, will down,” or owing more on their car than the vehicle is worth. 1. Set good passwords. A good password is 6. Logoff from sites when you are done. When say they are calling on behalf of Linn Area a combination of upper and lower case letters you are ready to leave a site you have logged in to, Gap Insurance kicks in when the amount your insurer would Credit Union. They will never ask for your card and numbers and one that is not easily guessed. logoff rather than just closing the page. number, expiration date or CVC (security) pay for your totaled or stolen car falls short of what you still Change your password frequently. Don’t write it 7. Monitor account activity regularly. You can code. owe on the loan. Not only does it cover the remainder of down or share it with others. do this either online or by reviewing your monthly your loan balance, it will give you $1,000 toward a new They will: 2. Don’t reveal personal information via email. statements and reporting any unauthorized car financed at Linn Area Credit Union within 90 days of • Verify your street address. Emails and text messages can be masked to look transactions right away. the accident. • Verify the last four digits of your Social like they are coming from a trusted sender when 8. Assess your risk. We recommend periodically Security Number. Chances are good you need Gap Insurance if : they are actually from someone else. Play it assessing your online banking risk and putting safe, do not send your personal information such They may: • You’re financing for more than four years into place increased security controls where • You purchased a new car and didn’t have a down as account numbers, social security numbers, • Ask for the last four digits of your card weaknesses are found; particularly for members payment of at least 20% passwords, etc. via email or texting. number. with business accounts. Some items to consider • You rolled debt from your last car into your current auto when assessing your online banking risk are: • Ask to verify the amount of your last 3. Be careful downloading that file! Opening loan transaction or payment. files attached to emails can be dangerous • Who has access to your online business especially when they are from someone you • Ask you to verify recent transactions. accounts? You can always add Gap Insurance to your current loan. don’t know as they can allow harmful malware or If you are uncomfortable with the call, please Just give us a call and ask how at 378-0101, x4. • How and where are user names and passwords hang up and call the 800 number of the back viruses to be downloaded onto your computer. stored? of your card. Make sure you have a good antivirus program on your computer that is up-to-date. • How strong are your passwords and how Debit Card often are they Our debit card provider, Fiserv, may call on 4. Links aren’t always what they seem. changed? Are behalf of Linn Area Credit Union. To confirn Never log in from a link that is embedded in an they changed your identity, they may ask you to verify your email message. Criminals can use fake email before or street address. They will never ask for your If your debit card is ever lost or stolen, addresses and make fake web pages that mimic immediately after card number, expiration date or CVC (security) the page you would expect. To avoid falling into call us immediately at our regular terminating an code. their trap, type in the URL address directly and number (378-0101), no matter what employee who had Rights and Responsibilities then log in. access to them? With respect to online banking and electronic day or time it is. If you call it after we 5. Web sites aren’t always what they seem. are closed, you will get an automated • Do you have fund transfers, the Federal government has Be aware that if you navigate to a Web site put in place rights and responsibilities for both dual controls or menu that will still let you cancel your from a link you don’t type, you may you and the credit union. These rights and end up at a site that looks other checks and card right away. YOU DON’T HAVE TO balances with responsibilities are described in the Account like the correct one, Information Disclosures you received when WAIT UNTIL WE ARE OPEN TO DO respect to access THIS! You can always call or email us when in fact it’s not. Take you opened your account with Linn Area to online banking time to verify that the Web page Credit Union. If you notice suspicious account later with any questions you have. transactions? activity or experience security-related events, you’re visiting matches exactly with the URL that you’d expect. please contact the credit union immediately at 378-0101. Rev. 12/10 Page 2 WHAT DOES LINN AREA CREDIT UNION DO WITH YOUR PERSON- FACTS AL INFORMATION? Who we are Who is providing this notice? Linn Area Credit Union Why? Financial companies choose how they share your personal information. Federal law gives con- 3015 Blairs Ferry Road NE sumers the right to limit some but not all sharing. Federal law also requires us to tell you how we Cedar Rapids, Iowa 52402 collect, share, and protect your personal information. Please read this notice carefully to under- (319)378-0101 or (800)950-5228 stand what we do. What we do What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: How does Linn Area Credit Union pro- To protect your personal information from unauthorized • Social Security Number tect my personal information? access and use, we use security measures that comply with • Income federal law. These measures include computer safeguards and • Payment History secured files and buildings. These may include locked cabinets • Credit History and security systems for our facilities; passwords and fire walls • Account Balance(s) for our web sites; and having our employees ask for identification • Credit Scores before processing your requests. When you are no longer our member, we continue to share your information as described in this notice. How does Linn Area Credit Union col- We collect your personal information, for example, when you: lect my personal information? • open an account • apply for a loan How? All financial companies need to share members’ personal information to run their everyday busi- • deposit money ness. In the section below, we list the reasons financial companies can share their members’ • pay your bills personal information; the reasons Linn Area Credit Union chooses to share; and whether you can • use your debit or credit card limit this sharing. We also collect your personal information from others, such as credit bureaus, affiliates or other companies. Does Linn Area Credit Reasons we can share your personal information Union share? Can you limit this sharing? Why can’t I limit all sharing? Federal law gives you the right to limit only For our everyday business purposes -- • sharing for affiliates’ everyday business purposes -- such as to process your transactions, maintain your information about your creditworthiness account(s), respond to court orders and legal Yes No • affiliates from using your information to market to you investigations, or report to credit bureaus • sharing for nonaffiliates to market to you State laws and individual companies may give you additional For our marketing purposes -- rights to limit sharing. to offer our products and services to you Yes No Definitions For joint marketing with other financial companies Yes No Affiliates Companies related by common ownership or control. They can be For our affiliates’ everyday business purposes -- financial or nonfinancial companies. information about your transactions and experiences No We don’t share. For our affiliates’ everyday business purposes -- Linn Area Credit Union has no affiliates. information about your creditworthiness No We don’t share. Nonaffiliates Companies not related by common ownership or control. They For nonaffilites to market to you can be financial or nonfinancial companies. No We don’t share. Linn Area Credit Union does not share with nonaffiliates so they can market to you. Questions? Call (319)378-0101 or toll free (800)950-5228. Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include insurance companies.
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