hHouston Police Federal Credit Union Online
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SPRING NEWS 2008
You asked for it! You’ve got it! Spin-A-Rate is back—allowing you to save hundreds or even thousands of dollars on your next loan for a new or used car, boat, RV, motorcycle or water toy from Houston Police FCU.
Small Change: Visit Houston Police FCU in person, online or by phone between May 1st and June 30th to apply for a new or used car, boat, RV, motorcycle or water toy loan.
Big Financial Difference: When you spin the big Spin-A-Rate wheel, you will get a great discount of .25%, .50%, .75%, 1% or 2% off the APR* of your loan. You might even spin-a-rate of 0% APR*!
Plus:
Purchase discount tickets online at hpfcu.org.
Statement of Condition as of 2/29/08
Assets $309.9 mil.
Loans $154.2 mil.
Deposits $259 mil.
Members 25,064
Upcoming Holidays
Memorial Day
Monday, May 26
(Memorial Drive Location Closed Saturday, May 24)
Independence Day
Friday, July 4
(Memorial Drive also closed Saturday, July 5)
Visa Gift Cards make the perfect graduation gift! They can be used anywhere the Visa logo is displayed!
e-statement: Just One Way We’re Helping Make the World a Better Place.
At Houston Police FCU, we understand your concerns about protecting the environment and not wasting our valuable natural resources. That’s why we’re doing everything we can to offer outstanding electronic banking services like e-statement. Safe and secure, it allows us to save trees, save energy on printing and save fuel on transportation costs. Best of all, it also helps save you money and affords you even more convenient service. Why not sign up for e-statement today and help do your part?
It’s easy for you to help make the world a better place, too. Just go to our website at hpfcu.org and click on estatements. You can get a free demonstration on how estatements work as well as sign up.
Information Update on Credit Union Friendly ATM’s
Monument Area Federal Credit Union has merged with JSC Federal Credit Union---these ATM’s are NO longer part of the Credit Union Friendly Free ATM Network.
120 E. Eighth St.
Deer Park, TX
6800 La Porte Frwy.
Deer Park, TX
2200 E. Thirteenth St.
Deer Park, TX
607 W. Fairmont Pkwy.
La Porte, TX
For other FREE Credit Union Friendly ATMs in your area, please visit our web site at hpfcu.org.
Deter. Detect. Defend. Avoid ID Theft
Deter
Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name.
Deter identity thieves by safeguarding your information.
Now, you can afford to live in the home you want – just get a low cost home mortgage loan from HPFCU.
Small Change: When you’re ready to buy or refinance a new, existing or even a vacation home, look to Houston Police FCU first!
Big Difference: At Houston Police FCU, we offer conventional loans with either fixed or adjustable rates and terms of 15, 20 or 30 years. We even have a special First Time Buyer’s program. Best of all, you’ll enjoy low rates and low closing costs. Looking to refinance your home loan from another financial institution? You can do that, too—possibly saving tens of thousands of dollars over the term of your loan!
Environmental Difference: You can buy a home that’s better built, better insulated and more energy efficient. Even your heating, air-conditioning and appliances may be more energy efficient saving hundreds, if not thousands of dollars a year, while also reducing energy consumption and pollution.
For more information or to apply, call our Memorial Drive location for an appointment or visit us online at hpfcu.org.
Through our website, you can:
• get current rates
• use calculators to determine your payment,
• apply, and
• find out current status of your loan
Make a small change and sign your family up for membership at HPFCU. They’ll find it makes a big difference.
As you well know, membership at Houston Police FCU does pay. As a HPFCU member, you are actually an owner, so all profits are returned in the form of better services, competitive dividend and loan rates and little or no fees. In fact, on December 31st, we paid members over $2.9 million in bonus dividends and interest refunds!
Why not encourage your eligible family members to join the Credit Union and enjoy all of the benefits of membership, too? By using all of our services, they will see a big difference in their financial future. Here’s how some of our profits are returned?to our members:
• NO minimum balance checking accounts with NO monthly fees
• NO annual fees on any of our Individual Retirement Accounts (IRAs)
• NO closing costs on home equity loans
• NO ATM fees when using one of the over 90 FREE Credit Union Friendly Network ATMs in the Houston area
• Over 60 NO-COST, shared Credit Union Service Centers in the Houston area
• FREE ebranch, online financial service, and FREE Bill Pay with e-statements
• Competitive loan, credit card and savings rates
• Low cost Safe Deposit Boxes
To see if your family member is eligible for membership, visit our website at hpfcu.org or come into one of our offices.
At home or abroad, we can help you have a safer summer.
Whether you are planning to travel around the country or even overseas this summer, HPFCU offers 3 great ways to help ensure you have a safe summer wherever you go.
1. Traveler’s Checks. Safer than carrying cash, traveler’s checks are the proven way to pay for purchases wherever you go—and you can get them at any one of our convenient locations.
2. VISA Gift Cards. Like to give a loved one an extra measure of security when they travel this summer? Then you’ll want to look into VISA Gift cards. Accepted at hundreds of thousands of locations worldwide, they’re safe, convenient and perfect in an emergency.
3. Safe Deposit Boxes. Why take a chance of having your valuables stolen from your home when you travel across the country or just across town? Be sure to rent a Safe Deposit Box at the Memorial Location and use it to keep all your valuables including jewelry and important documents.
You asked for it! You’ve got it! Spin-A-Rate is back—allowing you to save hundreds or even thousands of dollars on your next loan for a new or used car, boat, RV, motorcycle or water toy from Houston Police FCU.
Small Change: Visit Houston Police FCU in person, online or by phone between May 1st and June 30th to apply for a new or used car, boat, RV, motorcycle or water toy loan.
Big Financial Difference: When you spin the big Spin-A-Rate wheel, you will get a great discount of .25%, .50%, .75%, 1% or 2% off the APR* of your loan. You might even spin-a-rate of 0% APR*!
Plus:
- No payments for up to 45 days
- You may be eligible for more than one loan
- If you financed your vehicle at another financial institution, we can refinance it at our low, low rates!
- You can lower your payment by an additional 1%* by
- Making a down payment of 20% (financing 80%): get .50% APR* off your rate.
- Purchasing GAP Insurance: get .25% APR* off your rate.
- Purchasing Credit Life and/or Credit Disability Insurance: get .25% APR* off your rate.
- Environmental Difference: Once your loan is approved, you could use it to buy a new, more fuel efficient vehicle, a hybrid or even a motorcycle. Imagine how many millions of gallons would be saved (and how much of our environment would be preserved!) if everyone around the nation saved just a few more miles per gallon!
Get your loan preapproved now! Just visit us online at hpfcu.org, call our 24/7 Loan Center at (713)-22-LOANS or stop by any one of our convenient locations from May 1st through June 30th, 2008.
*APR=Annual Percentage Rate. Normal credit criteria applies. New or refinanced loans from other financial institutions only. The wheel must make at least one full revolution. Member is allowed one spin per vehicle loan. Two members purchasing a vehicle jointly may only spin once. Some winnings may require IRS reporting. Lowest rate possible is 0% APR. Spin-a-Rate is in effect May 1 through June 30, 2008. Check with the Credit Union for full details.
NEW on the wheel.
One of the slots on our big Spin-A-Rate wheel will give you the option of choosing .25% off the APR* of your loan or $500 in cash!
Purchase discount tickets online at hpfcu.org.
Statement of Condition as of 2/29/08
Assets $309.9 mil.
Loans $154.2 mil.
Deposits $259 mil.
Members 25,064
Upcoming Holidays
Memorial Day
Monday, May 26
(Memorial Drive Location Closed Saturday, May 24)
Independence Day
Friday, July 4
(Memorial Drive also closed Saturday, July 5)
Visa Gift Cards make the perfect graduation gift! They can be used anywhere the Visa logo is displayed!
e-statement: Just One Way We’re Helping Make the World a Better Place.
At Houston Police FCU, we understand your concerns about protecting the environment and not wasting our valuable natural resources. That’s why we’re doing everything we can to offer outstanding electronic banking services like e-statement. Safe and secure, it allows us to save trees, save energy on printing and save fuel on transportation costs. Best of all, it also helps save you money and affords you even more convenient service. Why not sign up for e-statement today and help do your part?
It’s easy for you to help make the world a better place, too. Just go to our website at hpfcu.org and click on estatements. You can get a free demonstration on how estatements work as well as sign up.
Information Update on Credit Union Friendly ATM’s
Monument Area Federal Credit Union has merged with JSC Federal Credit Union---these ATM’s are NO longer part of the Credit Union Friendly Free ATM Network.
120 E. Eighth St.
Deer Park, TX
6800 La Porte Frwy.
Deer Park, TX
2200 E. Thirteenth St.
Deer Park, TX
607 W. Fairmont Pkwy.
La Porte, TX
For other FREE Credit Union Friendly ATMs in your area, please visit our web site at hpfcu.org.
Deter. Detect. Defend. Avoid ID Theft
Deter
Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name.
Deter identity thieves by safeguarding your information.
- Shred financial documents and paperwork with personal information before you discard them.
- Protect your Social Security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
- Don’t give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
- Never click on links sent in unsolicited emails; instead, type in a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer; keep them up-to-date. Visit OnGuardOnline.gov for more information.
- Don’t use an obvious password like your birth date, your mother’s maiden name, or the last four digits of your Social Security number.
- Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.
- Detect
Detect suspicious activity by routinely monitoring your financial accounts and billing statements.
Be alert to signs that require immediate attention:
- Bills that do not arrive as expected
- Unexpected credit cards or account statements
- Denials of credit for no apparent reason
- Calls or letters about purchases you did not make
- Inspect:
- Your credit report. Credit reports contain information about you, including what accounts you have and your bill paying history.
- The law requires the major nationwide consumer reporting companies—Equifax, Experian, and TransUnion—to give you a free copy of your credit report each year if you ask for it.
- Visit www.AnnualCreditReport.com or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also can write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
- Your financial statements. Review financial accounts and billing statements regularly, looking for charges you did not make
- Defend
Defend against ID theft as soon as you suspect it.- Place a “Fraud Alert” on your credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
- Place a “Fraud Alert” on your credit reports, and review the reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert; a call to one company is sufficient:
- Equifax: 1-800-525-6285
- Experian: 1-888-EXPERIAN (397-3742)
- TransUnion: 1-800-680-7289
- Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain.
- Close accounts. Close any accounts that have been tampered with or established fraudulently.
- Call the security or fraud departments of each company where an account was opened or changed without your okay. Follow up in writing, with copies of supporting documents.
- Use the ID Theft Affidavit at ftc.gov/idtheft to support your written statement.
- Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
- Keep copies of documents and records of your conversations about the theft.
- Use the ID Theft Affidavit at ftc.gov/idtheft to support your written statement.
- Call the security or fraud departments of each company where an account was opened or changed without your okay. Follow up in writing, with copies of supporting documents.
- File a police report. File a report with law enforcement officials to help you with creditors who may want proof of the crime.
- Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations.
- Online: ftc.gov/idtheft
- By phone: 1-877-ID-THEFT (438-4338) or TTY, 1-866-653-4261
- By mail: Identity Theft Clearinghouse, Federal Trade Commission, Washington, DC 20580
- Online: ftc.gov/idtheft
- To learn more about ID theft and how to deter, detect, and defend against it, visit ftc.gov/idtheft. Or request copies of ID theft resources by writing to:
Consumer Response Center
Federal Trade Commission
600 Pennsylvania Ave., NW, H-130
Washington, DC 20580
Now, you can afford to live in the home you want – just get a low cost home mortgage loan from HPFCU.
Small Change: When you’re ready to buy or refinance a new, existing or even a vacation home, look to Houston Police FCU first!
Big Difference: At Houston Police FCU, we offer conventional loans with either fixed or adjustable rates and terms of 15, 20 or 30 years. We even have a special First Time Buyer’s program. Best of all, you’ll enjoy low rates and low closing costs. Looking to refinance your home loan from another financial institution? You can do that, too—possibly saving tens of thousands of dollars over the term of your loan!
Environmental Difference: You can buy a home that’s better built, better insulated and more energy efficient. Even your heating, air-conditioning and appliances may be more energy efficient saving hundreds, if not thousands of dollars a year, while also reducing energy consumption and pollution.
For more information or to apply, call our Memorial Drive location for an appointment or visit us online at hpfcu.org.
Through our website, you can:
• get current rates
• use calculators to determine your payment,
• apply, and
• find out current status of your loan
Make a small change and sign your family up for membership at HPFCU. They’ll find it makes a big difference.
As you well know, membership at Houston Police FCU does pay. As a HPFCU member, you are actually an owner, so all profits are returned in the form of better services, competitive dividend and loan rates and little or no fees. In fact, on December 31st, we paid members over $2.9 million in bonus dividends and interest refunds!
Why not encourage your eligible family members to join the Credit Union and enjoy all of the benefits of membership, too? By using all of our services, they will see a big difference in their financial future. Here’s how some of our profits are returned?to our members:
• NO minimum balance checking accounts with NO monthly fees
• NO annual fees on any of our Individual Retirement Accounts (IRAs)
• NO closing costs on home equity loans
• NO ATM fees when using one of the over 90 FREE Credit Union Friendly Network ATMs in the Houston area
• Over 60 NO-COST, shared Credit Union Service Centers in the Houston area
• FREE ebranch, online financial service, and FREE Bill Pay with e-statements
• Competitive loan, credit card and savings rates
• Low cost Safe Deposit Boxes
To see if your family member is eligible for membership, visit our website at hpfcu.org or come into one of our offices.
At home or abroad, we can help you have a safer summer.
Whether you are planning to travel around the country or even overseas this summer, HPFCU offers 3 great ways to help ensure you have a safe summer wherever you go.
1. Traveler’s Checks. Safer than carrying cash, traveler’s checks are the proven way to pay for purchases wherever you go—and you can get them at any one of our convenient locations.
2. VISA Gift Cards. Like to give a loved one an extra measure of security when they travel this summer? Then you’ll want to look into VISA Gift cards. Accepted at hundreds of thousands of locations worldwide, they’re safe, convenient and perfect in an emergency.
3. Safe Deposit Boxes. Why take a chance of having your valuables stolen from your home when you travel across the country or just across town? Be sure to rent a Safe Deposit Box at the Memorial Location and use it to keep all your valuables including jewelry and important documents.
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