Safe Strong and Secure by jolinmilioncherie


									FALL 2011

                                  Safe, Strong and Secure.
                                  It’s unsettling to see major swings in the stock market, or to observe
                                  heated exchanges among political leaders about the best financial
                                  course for the country. Turmoil in the economy has many consumers
                                  feeling lost at sea. It’s understandable that you might be concerned.

                                  You can be reassured on one point, and that’s the security and
                                  stability of your credit union and your accounts here. Your Colorado
                                  Credit Union savings are always insured to at least $250,000,
                                  backed by the National Credit Union Administration (NCUA). Federal
                                  insurance protects your money in credit union share savings, share
                                  draft/checking, money market, share certificate, trust, and retirement

                                  Additionally, our strong capital position—a safety net of undivided
                                  earnings and other reserves—helps us weather setbacks. We also
                                  keep an allowance for loan losses that provides an additional buffer.
                                  Federal and/or state regulators routinely examine our business
                                  practices to make sure we’re observing safe and sound operations,
 Safe, Strong and Secure          further strengthening the credit union.

 Now’s theTime to Buy or          If you’re concerned about your personal finances, a Colorado Credit
 Refinance your Mortgage          Union professional can help. Whether you’d like to review current
 Loan!                            loans to see about refinancing at better terms, or find out about
                                  savings plans that will help you attain your goals, we’re here to help.
 5 Tips for Safe Online Holiday   Colorado Credit Union has already helped many members during
 Shopping                         the economic downturn.

 Holiday Closures & Upcoming      Because Colorado Credit Union is a financial cooperative, owned
 Events.                          by you and other members, you are the beneficiary of lower rates on
                                  loans and higher yields on savings.
 Need a Little more Green in
 your Wallet?                     Our credit union—your credit union—is strong when our members
                                  are strong. Together, we can make it into port safely - even when the
 Regulation GG: Annual Notice     economy is in rough seas.

 Time to Expand?
5 Tips for Safe Online Holiday Shopping
With the holiday shopping season just around the corner and more than 55%
of web users planning to do their holiday shopping online, here are a few
important online shopping safety tips that could prevent your computer from
becoming infected and/or your banking credentials from being stolen.

1. Unsolicited emails: Spammers and scammers love the holidays, because
they know a large number of people on the web during that time have their
wallet open and are looking for bargains. While it may be really tempting to
click on an email link that says, “Great Deal on iPads… 50% off!” Be careful!
By clicking on that link, you could be taken to a compromised website that
downloads malware onto your computer.

What to do: If the deal looks too good to be true, it probably is. If you’re still tempted to click on that link, place your
cursor over the link (without clicking on it) and check the URL where you would be directed if you click on it. If you
don’t recognize the URL, stay far away.

2. Nefarious search engine results: Search Engine Optimization (SEO) attacks typically occur during major events,
such as the Super Bowl, World Cup, World Series and the holiday shopping season. SEO attacks occur when
cybercriminals game a search engine’s ranking algorithm in order to push their malicious websites to the top of key
word search lists.

What to do: As with the tip above, before you click on a link, place your cursor over it to make sure it’s not redirecting
you to a different site than the one advertised. Look at the context of the search result link before clicking. SEO
attacked sites often contain content that might not make sense, not relevant to your search words. For example, there
may be lots of keywords mixed together on a page and not in a properly formed sentence.

3. Unknown online retailers: If you discover an online store that’s offering unbelievable specials on holiday
merchandise, do some digging to make sure it’s a legitimate store and not a false front that will disappear later that
day along with your credit card information.

What to do: Make sure your antivirus & intrusion prevention software is up to date, to help guard against exploits
that often are hosted on compromised sites. Exploits will transparently infect your system through a “drive-by” attack
through software security holes. If you are hit by such an attack without proper mitigation, you will likely not even know
you are infected.

4. Beware of friends bearing unsolicited links: Malicious links don’t always come from spam emails. They could
come from your closest friend, whose machine has been unknowingly compromised. The infected machine may have
a botnet that’s been programmed to comb through email address books and send malicious links to everyone in them.

What to do: Does your friend normally update you on when sales and/or bargains abound? If not, then a simple reply
(preferably using a different communication medium) asking, “Did you mean to send me this?” is all it will take. When
they say “no,” you can safely delete the email and inform your friend that they may want to run a system scan of their
computer, because it could be compromised.

5. Beware of unsecured Wi-Fi hotspots: If you’re a holiday shopper who likes to augment online shopping with
actual store browsing and like toting your notebook along for quick price comparisons, do not connect to an unknown
unsecure hotspot.

What to do: If you feel the urge to jump online while you’re up and about town, go to familiar locations that offer
secure wired or Wi-Fi connections. Remember that phishing attacks can happen cross-platform, whether you’re on
your laptop or smart phone; so be sure to take all of the precautions outlined in the above steps.
   Mark Your Calendars:
   October 28th:
   Boo-rific Bash and Splash
   Foothills Recreation Center
   October 29-30th:
   Fall Home and Decorating Expo                        Rates as low as

   Adams County Fairgrounds                                                                                       APR*
   December 2nd:
   Holiday Happenings
   Ken Caryl Ranch House                                Plus 90 days
                                                        before your first payment!

   Holiday Closures:
   October 10th:
   Columbus Day/Staff Training
   November 24th:
   Thanksgiving Day
   December 26th:
   Christmas Day Observation
   January 1st:
                                                       * Annual Percentage Rate
   New Year’s Day Observation
                                                       * Annual Percentage Rate, see inside for further details

REGULATION GG: Annual Update
              “In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation
              GG, this notification is to inform you that restricted transactions are prohibited from being processed through
              your account or relationship with our institution. Restricted transactions are transactions in which a person
              accepts credit, funds, instruments or other proceeds from another person in connection with unlawful Internet

              As a member of COLORADO CREDIT UNION, these restricted transactions are prohibited from being processed
              through your account or banking relationship with us. If you do engage in an Internet gambling business and
              open a new account with us, we will ask that you provide evidence of your legal capacity to do so.

                             Bring this coupon with you and save
                             $1.00 off your admission!
                             October 29, 2011 10:00 A.M. - 5:00 P.M.
                             October 30, 2011 10:00 A.M. - 5:00 P.M.
                             Adams County Fairgrounds
                                                                                                                                                                                                                                  Brighton Office

Time to
                                                                                                                                                                                                                                  562 N. 7th Ave.
                                                                                                                                                                                                                                  Brighton, CO 80601
                                                                                                                                                                                                                                  Mon, Tue, Thur & Fri
                                                                                                                                                                                                                                  8:30am - 5:30pm
                                                                                                                                                                                                                                  Wed 9:00 am - 5:30pm

your pad?
                                                                                                                                                                                                                                  Sat 9:00 am - 12:00 pm
                                                                                                                                                                                                                                  Denver Office
                                                                                                                                                                                                                                  717 17th Street,
                                                                                                                                                                                                                                  Denver, CO 80202
                                                                                                                                                                                                                                  Mon, Tue, Thur & Fri
                                                                                                                                                                                                                                  7:30am - 4:30pm
                                                                                                                                                                                                                                  Wed 9:00 am - 4:30pm
                                                                                                                                                                                                                                  Ken-Caryl Office
                                                                                                                                                                                                                                  8331 Continental Divide Rd,
                                                                                                                                                                                                                                  Littleton, CO 80127
                                                                                                                                                                                                                                  Mon, Tue, Thur & Fri Drive Up:
                                                                                                                                                                                                                                  7:30am - 6:00pm
                                                                                                                                                                                                                                  Mon, Tue, & Thur Lobby

                                                                                                                    Heloc Rates                                                                                                   8:00am - 5:00pm
                                                                                                                                                                                                                                  9:00 am - 5:00pm
                                                                                                                    as low as                                                                                                     Fri Lobby:

                                                                                                                    4.99% APR*
                                                                                                                                                                                                                                  8:00am - 6:00pm
                                                                                                                                                                                                                                  Sat Drive Up and Lobby:
                                                                                                                                                                                                                                  9:00am - Noon
                                                                                                                     Plus get $100 extra in your pocket**
                                                                                                                                                                                                                                  Mailing Address:
                                                                                                                                                                                                                                  PO Box 270010
                                                                                                                                                                                                                                  Littleton, CO 80127-0001
                                                                                                                                                                                                                                  Phone Numbers:
                                                                                                                                                                                                                                  Internet Banking/Bill Pay
                                                                                                                                                                                                                                  Mortgage Lending Dept.
                                                                                                                                                                                                                                  Colorado Credit Union
                                                                                                                                                                                                                                  Board of Directors
                                                                                                                                                                                                                                  George Faas-Chairman
                                                                                                                                                                                                                                  Ray Goodwin-Vice Chairman
                                                                                                                                                                                                                                  Paul Patricca-Treasurer
                                                                                                                                                                                                                                  Judie Bratek-Secretary
                                                                                                                                                                                                                                  Keith Gordon-Assistant Secretary/
                                                                                                                                                                                                                                  David Hannes-Ethics Officer
                                                                                                                                                                                                                                  Clint Blackhurst - Security Officer
                                                                                                                                                                                                                                  Tony Mazzella

                                                                                                                                                                                                                                  Supervisory Committee
                                                                                                                                                                                                                                  Margie Versen
                                                                                                                                                                                                                                  Dot Lindsey
                                                                                                                                                                                                                                  Nina Schloegel

*Annual Percentage Rate. Loans are subject to credit approval. Offer subject to change without notice. APR will vary based on Prime Rate as published in the Wall Street Journal, which was 3.25% as of 7/1/2011. APR will
not exceed 18% or be lower than 4.99%. No closing costs are charged if at least $25,000 is on balance for the first 365 days of the loan, otherwise you will be assessed closing costs that range from $150 - $200. Other
restrictions may apply, call for details. Real estate loans are available on Colorado primary and vacation residences only. ** Member will receive $50 loan payment benefit at loan closing. Member will receive additional $50
benefit within 3 business days of checking account and debit card opening. This offer ends December 31, 2011 and is subject to change. Some restrictions apply.

To top