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  3rd Quarter 2014 News & Updates Newsletter

  • Mobile Banking is Available!
  • New Debit Card Design is Coming
  • New Credit Card Processor
  • And More...

Read Newsletter...



Rates … Rates … Rates

What are all the rumors about the lowest rates in town? The Credit Union has a deal for you! The Board of Directors and Management have done the math and it’s time to get down to business! Your Credit Union has money to loan and want to share the funds with the membership by lowering the loan rates. Our loan rates are the best rates in town so check it out and
start making plans to spend some money!

Home loans are included in these rate reductions so maybe its time to purchase that much needed home for your family. Cars, furniture, jewelry, boats, motorcycles, clothing, dental work, bill consolidation, you name it, you apply, and if at all possible, the Credit Union will make this the greatest year yet. Call or come
by the Credit Union and our friendly Member Service Representatives will get you started. The rest is up to you!
The funds are available so call today! (Risk-based lending rules apply.)



Check Us Out!

Choose a Checking Account That Fits Your Lifestyle! Your Credit Union has a variety of checking (draft) accounts to meet your individual needs. Our BULK RATE ACCOUNT pays no dividend but requires no minimum balance. Our FIRST CLASS ACCOUNT pays dividends on average balances of $200 or more. If the balance drops below $200, a $4 service fee will apply. Our PRIORITY ACCOUNT pays dividends on average daily balances. The minimum balance required is $2,500 or a $7 monthly service fee will apply. The first order of checks is free on all three accounts and all other check orders are free on the PRIORITY ACCOUNT.

Other benefits of having a checking (draft) account with your Credit Union include Overdraft Protection, Direct Deposit, Unlimited Check Writing, and ATM access with VISA Debit Cards. These are just some of the benefits of having one of our DRAFT ACCOUNTS. Please contact the Credit Union and we will be happy to discuss the account that best fits your needs.



Safe Deposit Boxes are Available...
  Inexpensive Too!

In order to accommodate our membership, we increased our number of safe deposit boxes by 36 new boxes. Some have been taken but not all are rented out as of now. The boxes range from $25.00 to $75.00 per year rental. Compared to competition this is inexpensive and convenient! So stop by or call the Credit Union to get a box rented before they are all gone.




Get Your Check-Ups

Your Credit Report and You
Many people don’t realize they are victims of identity theft until long after the initial crime occurred. Identity thieves often try to hide the crimes for as long as possible so that they can access more money. To stop the crimes as soon as possible, make sure you carefully check your credit reports regularly. Your credit reports are important tools for limiting the amount of damage a thief can cause.

How to Read Your Credit Report

  1. Check to make sure you are aware of all accounts listed, and balances are what you expect them to be.
  2. Look for anything suspicious in the section that lists who has received a copy of your credit history. Some identity thieves “pretext” by posing as landlord or employer.
  3. Make sure no inquires have been made about loans or leases you didn’t apply for.
  4. Check for addresses where you have never lived.
  5. Check for typos in your social security number.
  6. If there is any incorrect information in the records, contact the credit bureau, creditor, employer, or government agency immediately. Follow up with a letter describing what actions were taken. Your protections are stronger if you report the problem quickly and in writing.

You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting agencies – Equifax, Experian, and TransUnion. This free credit report can be requested by visiting www.annualcreditreport.com and following the instructions listed.



Address Alert!

If you have moved, as there seems to be a lot of our members moving and changing addresses, it is very important that you notify the Credit Union in writing or stop by the Credit Union to let us know your new address. By doing this you avoid not getting your statement on a timely basis. If you moved recently, and can not remember telling us of the move, please do so as soon as possible. Also understand we can not take the change over the phone or by fax due to the new privacy laws in effect. With identity fraud as prevalent as it is today, we cannot afford your information being inaccurate or not being yours.





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at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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ance with the Federal Fair
Housing Law and the Equal
Credit Opportunity Act.

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©Copyright 2012 Chattanooga Federal Employees Credit Union. All Rights Reserved.
2011 Stein Drive, P.O. Box 22205, Chattanooga, TN 37422-2205
423-892-3738, Fax: 423-499-5185, cfecu@cfecu.coop