AUGUST 2008  Newsletter

Metropolitan Federal Credit Union

4420 Madison Ave Kansas City, MO 64111  

Ph (816) 931-4164  Fax (816) 931-6847  

A.R.T. (816) 300-2200

Back To School Loan

  Can you believe that the summer is already coming to an end? Parents, if you are searching for extra money to send your kids back to school, look no further than your credit union for help. Take advantage of a personal loan, fully equipped to give you the extra funds you will need to pay for school supplies, tuitions and clothes. Use a minimum of $500 and take a maximum of $3,000 to help ease the burden of the expenses of your kids’ education. With easy repayment options and rock bottom interest rates, you can’t go wrong. Give us a call and ask one of our friendly representatives how you can get ahead of the curve and send your student back to school in style. 

Members don’t hesitate to call the Credit Union to update your account information! If you have a new address, phone number etc. we need to know ASAP. This will help ensure your account is safe from fraud.

2008 Ticket Menu

 2008 Worlds of Fun Ticket Prices

Worlds of Fun (Adults)-$27.00

Worlds of Fun (Kids ages 3 or older, no more than 48” tall)-$14.99

Worlds of Fun (Seniors ages 62 and over)-$14.99

Oceans of Fun (Adult)-$22.50

Oceans of Fun (Kids ages 3 or older, no more than 48” tall)-$14.99

Oceans of Fun (Seniors ages 62 and over)-$14.99

Adults Ride-In-Slide-$42.00

2008 Silver Dollar City  Ticket Prices

Silver Dollar City (Adult 2-Day Pass)-$48.00

Silver Dollar City (Child 2-Day Pass, ages 3 to 12)-$38.00

Silver Dollar City (Adult Season Pass)-$69.00

Silver Dollar City (Child Season Pass, ages 3 to 12)-$59.00

Celebration City  (Adult 2-Day Pass)-$26.00

Celebration City  (Child 2-Day Pass, ages 3 to 12)-$21.00

Save some change by opening a savings account with MFCU. Call and ask for Kyle at 816-931-4164 for more details!

Home Equity Loans For Sale

Now Is The Time To Act

 Time is running out for you to finish your summer home projects. Jump on board and get a Home Equity Line of Credit today. Now is the time to fix those gutters, replace the furnace and re-do the driveway before the weather outside gets much worse. Combining all of your home projects is so simple when you have the money available to do so. So stop in to learn more about a Home Equity Line of Credit from Metropolitan Federal Credit Union. Don’t forget to ask us about our great interest rates for new and used vehicles too! Your credit union is an equal housing lender.

Identity Theft And You

Identity Theft is an occurrence that changes the lives of not only you, but your whole family as well. Below is a list of instructions to follow to not only protect yourself, but to maintain your finances and secure your well-being.

How To Guard Against Identity Theft

1. Remove mail promptly from your mailbox. Never use you mailbox for outgoing mail. Identity thieves raid mailboxes for credit card offers and statements.

2. Guard your social security number. Do not give out your P.I.N. or credit card numbers over the phone, unless you indicated the transaction.

3. Be very careful with receipts. make sure you have them when you leave the store or ATM and do not throw them into public trash cans.

4. Review your credit report from time to time. The major credit bureaus are:

Equifax: 800-685-1111 (www.equifax.com)

Experian: 888-397-3742 (www.experian.com)

Trans Union: 800-888-4213 (www.tuc.com)

5. Destroy pre-approved credit card offers before you throw them out.

6. Account for all new books of checks when you receive them in the mail.

7. Block your ATM transaction with your body when typing in your P.I.N.

8. Commit all passwords and PIN numbers to memory so no one can see them in writing.

Help Keep Online Transactions Secure

1. Avoid sending sensitive information, such as account numbers, through UNSECURED E-mail.

2. Passwords or PIN numbers should be used when accessing an account online.

3. General security over your personal computer such as virus protection and physical access controls should be used and updated regularly.

What To Do If You Are A Victim

1. Contact the Credit Union

2. Close your accounts and create passwords for any new accounts.

3. Request both a “fraud alert” with the three major credit bureaus and that no new credit be granted without your approval.

**Information courtesy of Tower Financial Marketing

MFCU Privacy Policy

   Metropolitan Federal Credit Union collects non-public, personal information about you from the following sources:

*Information we receive from you on applications or other forms.

*Information about your transactions with us or others.

*Information we receive from a consumer reporting agency.

  We do not disclose any non-public information about you to anyone, except as permitted by law.

  If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices as described above in the notice.

  Metropolitan Federal Credit Union restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. We require all organizations to which we provide data as permitted by law, to have similar privacy safeguards, to further ensure your confidentiality. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.

FYI:

Metropolitan Federal Credit Union will be closed on the following day:

Monday, September 1-Labor Day

MAKE LIFE EASY, GET A DEBIT CARD

Yes, Metropolitan Federal Credit Union is excited about offering Debit Cards, backed by the Mastercard logo. Don’t worry about making it to the Credit Union before closing time. You have the power to purchase anytime and anywhere you want. Use your card the same as a check and have it come directly from your credit union checking account.  If you are interested in swiping, signing and saving as opposed to writing a check, please give us a call at 816-931-4164 and have us send you an application for one today. Restrictions do apply.

 Time For Direct Deposit

 Members, now is the time to ask us how you can utilize the convenience of direct deposit and checking. Are you tired of running your paycheck, on your own free time to the credit union, or another financial institution? If so we can help! All you need to do is fill out a checking application and have one of our friendly staff issue you a direct deposit form, which will be given to your employer. Now you can take advantage of our MasterCard debit cards that deducts directly from your checking account. You can use this new member service anywhere MasterCard is accepted.

New Businesses Wanted

 Members, is your organization or business looking for an extra incentive to offer their employees? If so, Metropolitan Federal Credit Union has the solution for you! Take advantage of direct deposit, low interest loans and excellent customer service by signing them up as a select employee group with us. Give your co-workers the option to have a financial institution that provides Savings, Christmas Club and Checking accounts, plus much, much more. For further information just ask for Kyle and start the year off right by allowing your company the benefit of having their own credit union.

Save Some Cash

Apply For A Loan Now!

 It seems in today’s ever-changing world, we are strapped for cash due to increases in prices that exist all around us. Luckily your credit union understands your concerns. That is why our interest rates for new and used car loans are some of the best in the city. Why should you pay more for a new automobile when Metropolitan Federal Credit Union can save you money? Not only will you have extra cash in your pocket, but we will make it easy for repayment plans. Pick from terms of 24, 36, 48, 60 or 72 months and set up your monthly payments through payroll deduction. Even applying for the loan is simple. All you have to do is fill out a loan application, submit a copy of your most recent pay stub and let our experienced, yet friendly staff get you the best deal around. For further information please contact us at 816-931-4164.

Family Members Wanted

 Did you know that because you belong to the Credit Union, your family can too? If you know a member of your group who is looking for a sound financial institution, then we are the place for them. Let them take advantage of savings, checking, debit cards, CD’s, IRA’s and so much more. All they need to do is fill out an account card, submit a copy of a photo I.D., or social security card and let us take care of the rest. Let them know today so they can begin to grow with Metropolitan Federal Credit Union.

If you haven’t signed up to belong to Metropolitan Federal Credit Union’s Christmas Club, then why wait any longer. You still have until November before your check will be sent!

 Can I See Your ID Please?

 We know that it can be bothersome, or even downright embarrassing to be required to provide identification in order to cash a check. What makes this requirement easier for us to understand is that we’re in the front lines, along with other businesses, in the battle against fraud and theft. We know this battle can be won if everybody will cooperate.

 It is true of course that you may be known personally by one or more of our staff. Let us explain how this request affords protection to you, as well as us. The chances are that when personal checks are lost or stolen, some time will elapse before you become aware of their disappearance. In that span of time, your checks can easily be presented for cashing with a forged signature.

 Without a check of your ID, your money is an easy target for thieves. If we didn’t ask for ID we’d have no chance at preventing this. A driver’s license, or any ID card that carries a physical description, or an employee card helps us make certain that your checks are being cashed by you.

 Now that you understand how check ID for check cashing helps us both, we are certain you will want to join in the effort. If you present your ID at the same time you give us your check, you will be aiding us in the fight against fraud and theft. Not to mention you’ll be saving time for yourself and others.

*Information Courtesy of CUNA Mutual.

Please call us anytime for more information regarding our loans!