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Serving members and their families of Redwood City, Sequoia, San Carlos, Belmont, Ravenswood, Las Lomitas, Menlo Park, Portola Valley, and Woodside School Districts and Canada College District
VISA – More than a credit Card the free gift card. The only thing the victim will
get is a huge headache because his/her identity
Scorecard points are the number one reason why will be stolen. The following loss prevention tips
RC SSE Federal Credit Union members are using are recommended by CUNA Mutual Insurance:
their VISA credit card over other institution cards.
For every dollar charged at a merchant location, 1. DO NOT access the link or open
we give members one Scorecard point. We are attachments provided in the body of the
able to do this by giving back profits earned email.
through interchange fees. 2. DO NOT under any circumstances;
provide any personal information to
Members are realizing the value that purchasing unknown sources.
power can earn. Scorecard points may be used for 3. Before submitting financial information
roundtrip airfare in the contiguous United States through a website, look for the “lock” icon
with only 20,000 points. This is our most popular on the browser’s status bar.
travel award. However rental cars and hotel stays 4. Review credit card and other account
may be chosen too. We also have merchandise statements as soon as you receive them to
catalogs to choose a special gift for yourself or determine whether there are any
someone else. Points may also be redeemed for a unauthorized transactions.
donation to a school or educational foundation of 5. If your statements are late by more than a
your choice. couple of days, call the credit union to
confirm the billing address and account
Call the credit union today for more information balances.
regarding our VISA Credit Card program. Start 6. Report suspicious activity to the FTC.
the New Year by opening an account and make Send the actual spam/phish to uce@ftc.gov
every purchase count toward travel, merchandise 7. If you feel you are a victim of identity
and more! theft, file a complaint at www.ftc.gov and
visit the FTC’s identity theft website
www.ftc.gov/idtheft to minimize risk of
Phishing (pronounced fishing) damage.
8. Victims should place a “fraud alert” on
With millions of Americans buying gifts online
their credit bureau records.
during this holiday season, fraud experts are
warning consumers to be wary of scams offering
We will keep you informed on some of the
gift cards on merchandise in exchange for
latest scams used in order to prevent our
personal or financial information. “Phishing” is
members from becoming victims of identity
the term used for fraudulent attempts to scam
theft.
victims into giving personal information that can
be used to steal their identity.
Free Credit Report Really
The phishing emails prompt members to fill out an
online “survey” that asks for the name of their In California, residents can now get a free credit
financial institution, passwords, email addresses, report from the three leading credit reporting
and other personal account information. In agencies once every twelve months. Consumers
exchange the scam promises a retail gift card may request their reports from Equifax, Experian,
valued up to $500. The victim will never receive and Trans Union from a single, jointly operated
RC SSE Federal Credit Union 755 Brewster Ave Redwood City, CA 94063 (650) 3667777 www.rcsse.org
website, address or phone number. They can get Visit our website at www.rcsse.org for specific details
reports from all three credit bureaus at once or stagger on how to apply or call us (650)3667777 for a mailed
their requests throughout the year. copy. Good luck to all our applicants!
To request a report, go visit this website Current Loan Rates
www.annualcreditreport.com or call (877)3228228 or
mail a request to PO Box 105281, Atlanta, GA 30348
5281.
Signature Loans APR*
· 3year payback 12.00%
· 2year payback 10.00%
At the web address you will be required to enter basic
· 1year payback 7.00%
information such as name, address, social security
number and date of birth. After selecting each credit
bureau, you will be asked some questions to verify Mortgage Loans
your identity. For example you may have to identify · First deeds (up to $322,700)
o 20 year term 6.15%
your mortgage company or the balance on a specific o 10 year term 4.75%
credit card. After confirmation of your identity you o May qualify for reduced rate for loanto value of
will receive an instant copy of your credit report along 70% or less
with instructions on how to correct an error. · Second deeds (up to $180,000) 6.90%
o 10 year term
If all you want is your credit report, you should not be o May qualify for reduced rate for loanto value of
bothered again. Be aware that if you opt for additional 70% or less or 5 year term
services, you will become a customer of the credit · New or used mobile homes 7.00%
bureau and may receive additional marketing materials. o 15 year term
· Equity Loans (up to $30,000)
We encourage our members to check credit reports o 6 year term 5.90%
annually to be aware of fraudulent use of personal o 5 year term 5.75%
o 4 year term 5.50%
credit and identity theft. We can all work together to o 3 year term 5.25%
avoid losses and ultimately stop criminals by
protecting personal information.
Collateral Loans
o Computer Equipment 7.00%
Holiday Schedule o Share Loans 3.70%
RC SSE will be closed on the following days: Credit Card Loans
o Visa credit card 12.90%
· Friday, December 24 Christmas Eve o Visa “preferred” credit card 8.90%
· Friday, December 31 New Year’s Eve
· Monday, January 17 Martin Luther King Day
· Monday, February 21 President’s Day
Vehicle Loans
· Autos (60 months)
· Friday, March 25 (At Noon) Good Friday
New 3.90%
Used 4.90%
2005 Scholarship Recreational Vehicles 10.00%
(Excluding tax, license and extended service contract)
RC SSE Federal Credit Union is taking applications Members may qualify for reduced rate of a half % for
through April 29, 2005 for the $1,000 renewable cashing in 10, 000 scorecard points on vehicle loans
education scholarship. *Rates Subject To Change Without Notice
All graduating seniors who are members, children or Your savings Federally Insured to $100,000
grandchildren of members are eligible to apply. The
final recipient will receive $1,000 for higher education NCUA
expenses and can renew for three more years when a By National Credit Union Administration,
EQUAL HOUSING
grade point average of 2.5 is maintained. A U.S. government agency LENDER
RC SSE Federal Credit Union 755 Brewster Ave Redwood City, CA 94063 (650) 3667777 www.rcsse.org
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