United Northwest Federal Credit Union

Credit Union
UNWFCU
Everything we do, we do for you!

Check out the article below for tips on how to keep your credit card and debit card information safe this holiday season!

Don't let the grinch get your hard earned money!

Prevent the Grinch from Stealing Your Credit Card Information

By Preston Packer

The Grinch is trolling department stores this season in the hopes that he can steal a credit card or two. With consumer’s purchasing behavior straying away from their usual habits during the holidays, it makes it even easier for the Grinch to commit credit card fraud. While credit union members should keep their eye out for the Grinch and his accomplices, they should take some additional steps to keep their accounts secure this season. Here are 3 ways members can elude holiday fraudsters this season.

Check Recent Activity

When buying holiday gifts, members' spending will go up and their purchases will likely not fall in the trend of their usual buying habits. Therefore, members should regularly check their account activity. A situation that happens often is those who lose, drop or misplace their credit card while holiday shopping. If a member goes shopping at the mall - spending quite a bit of money on gifts for friends and family, but somewhere along the way they lose their card, someone else can use it to buy their holiday gifts too. In this case, the transactions might not flag as fraudulent activity because the member was making legitimate purchases at the location before the card was compromised. It is very important member’s check their recent transaction history so if fraud occurs, it can be caught early.

Sign Up for Alerts

While many members choose to leave account alerts off, the holidays are a good time to switch them on. Transaction notifications will let members know when their cards are being used. Members are able to review their transaction history and if they weren't the one that made the purchase, quick action can be taken to resolve the situation. 

Seeing is NOT Believing

Online shopping can be a dangerous practice during the holidays. Fraudsters can replicate sites and members might purchase items from fake sites and waste money on a product that they will never receive. Encourage members to be vigilant and validate the sites they purchase from during the holidays. Some fraudsters do a great job of replicating the original site, so members should check the URL and verify they’re on the correct and secure website. Members should also keep a close watch on their email inbox. Phishing emails tend to increase during the holidays and opening these emails and clicking on the links inside enable fraudsters to capture personal information.

Fraud attempts increased 30% during the holiday season last year and according to Experian, identity theft was at an all-time high in 2017 with 1,579 data breaches and 133,015 reports of credit card fraud. While total fraud isn’t expected to reach the heights that it did last year, fraud during the holiday season is still happening. Members need to take the necessary steps and precautions to protect their accounts this season, otherwise, Mr. Grinch might be off to the shops purchasing with their card.

 

 

***Prepaid cards are a great way to shop online this holiday season!  Keep your information safe and secure while still having the convenience of online shopping!  Plus they make GREAT Gifts!!!***

Get your Gift, Travel, and Personalized Prepaid Cards at United Northwest Federal Credit Union.  Activation fees apply, inquire at either location to get yours today! 

Why make lemonade when you can avoid the lemons altogether?

Carfax

We now offer CARFAX

Shopping for a used vehicle? Save money by ordering your Carfax vehicle history report through the Credit Union! Our experienced loan officers can help you with each step of the car buying process.

Protecting our membership is the credit union way...

VisualGAP

Before purchasing your next vehicle, stop by the credit union and ask one of our loan officers about our GAP PLUS and Route 66 Extended Warranty programs. The premium for these plans can be included in the balance of your loan, giving you extra protection in an affordable way.

Check below to see how these programs can benefit you:

Guaranteed Auto Protection

In today's economy, most vehicles depreciate in value far quicker than how we can pay down the balance on the auto loan. If your vehicle is stolen or damaged to the point of total loss, YOU are responsible for paying the difference between your loan balance and what the insurance company says your vehicle is worth!

With GAP PLUS, you are covered by this difference, which can potentially save you thousands of dollars! An easy example:

Your loan payoff:
$20,000.00
Vehicle value determined by insurance:
(16,000.00)
Insurance deductible:
(500.00)
WHAT YOU OWE WITHOUT GAP PLUS:
$4,500.00
WHAT YOU MAY SAVE WITH GAP PLUS:
$$$ 4,500.00 $$$

Route 66 Extended Warranty

Route 66 Extended Warranty

A wise person once said...anything that can go wrong, will go wrong.

So why not protect yourself?

United Northwest Federal Credit Union can now offer most borrowers a Route 66 Extended Warranty! At just a fraction of the cost charged by most dealerships, your Route 66 plan will cover you from issues with engines, brakes, electronics, and much more!!!

You can choose from three different plans of varying cost and coverage: Easy Street, Main Street, and First Street. All plans include a handful of amazing benefits. To name a few:

  • No Deductible
  • 24/7/365 Emergency Roadside Service
  • 30 Day Money-Back Guarantee

Never purchase an extended warranty from a dealership without checking with the Credit Union first! We may be able to offer you better or comparable coverage at a cheaper price! Talk to Heather or Mindy for more details.

Scholarships

Are you a high school senior graduating this May? If you are planning on attending college, check out our scholarship!!!