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 accounts. 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. *www.net-security.org 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 2.49% 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 gambling.” 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 Wed 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: 303.978.2274 800.828.2274 Internet Banking/Bill Pay www.ccu.org Mortgage Lending Dept. 720.981.2315 Colorado Credit Union Board of Directors George Faas-Chairman Ray Goodwin-Vice Chairman Paul Patricca-Treasurer Judie Bratek-Secretary Keith Gordon-Assistant Secretary/ Treasurer 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.
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