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Four Things to Do When You Lose Your Wallet

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Four Things to Do When You Lose Your Wallet APRIL • 2016 FOUR THINGS TO DO WHEN YOU LOSE YOUR WALLET CONTACT YOUR FINANCIAL allows New Yorkers to apply for a re- set up a fraud alert with one of the 1 INSTITUTIONS OR DEBIT placement license, ID or learner’s permit three major credit reporting agencies: AND CREDIT CARD ISSUERS online, in person or through the mail. Experian, Equifax or TransUnion. According to the Federal Trade Commis- sion, if you report the loss of a debit card If you’re worried that your ID was stolen, It’s also important to check for any before someone illegally uses it, you’re you can help protect your personal strange activity throughout the year, not responsible for those unauthorized identity by filing a report with your local even after the 90-day fraud alert expires. transactions. Similarly, under the Fair police department. In some instances, Credit Billing Act, credit cardholders this may even come with the added SOCIAL SECURITY CARD aren’t liable for any expense incurred if benefit of the Department of Motor 4 MISSING TOO? their credit card information is stolen Vehicles (DMV) waiving your replace- If an identity thief gains access to and used to make purchases as long ment fee. your social security information, as they have reported the card lost or he or she can easily open credit stolen ahead of time. For more information on how to replace accounts in your name. If your a New York State Driver’s License or social security card went missing To report a lost or stolen credit card Photo ID or on the steps you can take with the rest of your wallet, look to MCU, call (800) 449-7728. To report to report this document stolen, visit into applying for a credit freeze, your MCU Debit Card lost or stolen, dmv.ny.gov which will prevent anyone from call (212) 693-4900. applying for credit under your PULL YOUR CREDIT SCORES name using this information. REPLACE YOUR DRIVER’S 3 Even though your old debit and 2 LICENSE OR ID credit cards will no longer work after Using a credit freeze as precaution Losing your license or photo ID can be you’ve reported them lost, they can will come with a small fee, depending extremely stressful and inconvenient. still be used to steal your identity and on the state you live in. However, it’s However, replacing this personal open lines of credit in your name. In an free to replace your social security document can be easy, as the DMV now effort to protect your identity and credit, card up to three times a year. MCU Personal Loans - a simple solution. Rates as low as % 5.95 APR* To meet your important or unexpected needs: Consolidate Planning a New furniture bills wedding or appliances Facebook.com/nymcu @NYMCU_News Apply for a Personal Loan today! 1-800-LOAN-MCU | nymcu.org * APR= Annual Percentage Rate. With approved credit. Rates may be higher based on your creditworthiness. Requires direct deposit or automatic payroll deduction as method of repayment. The Annual Percentage Rate (APR) will increase by 2% during the term of this transaction if you discontinue payment through payroll deduction or direct deposit. Your payments will consist of 60 monthly payments of $19.31 on each $1,000 borrowed at 5.95% APR. 5.95% APR available for amounts up to $15,000. Higher loan rates apply for amounts in excess of $15,000. Rates and terms are subject to change without notice. Certain restrictions apply. Membership is required. At no cost to our members, MCU offers digital tools that are both friendly to the environment and your busy lifestyle. GO GREEN, Take a look at the way our members are going green and saving green! NYMCU ONLINE BANKING: SAVE GREEN Safely and securely manage your MCU account. With NYMCU Online Banking, you can view your account bal- ances, transfer funds between accounts, sign up for THIS SPRING alerts to monitor account activity, and much more. BILLPAY: Save time, money and paper by paying bills without having to write and mail a check. BillPay also provides members with the option to schedule bill payment with a variety of frequency options (weekly, monthly, annually, etc.). You can even look up 18 months of payment his- tory to all of your payees. eSTATEMENTS: View and print up to 24 months of statements and receive notifications to your email account every month when a new statement is ready to be viewed. NYMCU MOBILE BANKING: Downloading the NYMCU Mobile Banking App to your iPhone, iPad, iPod Touch and Android tablets and phones gives you the freedom to open and manage accounts, transfer funds, pay bills, apply for loans and find the nearest MCU ATM or branch location anytime, anywhere. To learn more about these great paperless options and to enroll in MCU Online Banking, visit nymcu.org today! April Is Youth Month As we continue to celebrate our centennial year and reflect on our long history of service to the communities throughout New York, we’re also looking to the future by celebrating the young people in our communities with Youth Month this April! Keep an eye out on nymcu.org and at your local branch locations to learn more about how we’re giving back to our youngest members and potential members throughout the rest of the month! We’re Celebrating Our Members “ I was so happy when MCU opened a branch in my neighborhood, Springfield Gardens, that I sent a thank you note to the President/CEO. The area is full of civil service workers, perfect for MCU’s membership. When I come here, I feel like family.” – Debbie R., MCU Member This year, we’re telling the story of our credit union in the most important way we know how…through you, our members! The MCU 100 Members project seeks to feature the diversity of our members – who they are, where they’re from and how MCU has played a role in their lives. And we want to hear from you! Want to learn more about how you can share your story? Keep an eye out in your local branch for when we will be visiting your area. To view more of our member stories visit Facebook.com/NYMCU Board of Directors PHONE NUMBERS: Sylvia G. Ash, Madam Chair PERSONAL LOAN RATES MCU’s Automated Service – James Durrah, 1st Vice Chair Touch Tone Teller: C. Richard Wagner, 2nd Vice Chair Auto-Pay Monthly Payment Per Loretta Y. Jones, 3rd Vice Chair Loan Type Amount Financed Term APR* $1,000 Borrowed Within the Five Boroughs/ S. Nana Osei-Bonsu, Treasurer Long Island Shirley Jenkins, Secretary (212) 693-4900 Mario Matos Jr., Asst. Treasurer Unsecured Loan $1,000–$15,000 Up to 60 Months 5.95% $19.31 Caroll A. Duncanson, Asst. Secretary Outside the Five Boroughs/ Mark S. Brantley, Esq., Unsecured Loan $15,001–$50,000 Up to 60 Months 6.95% $19.78 Director Long Island Tessa I. Hackett-Vieira, Director Unsecured Loan $15,001–$50,000 Up to 72 Months 7.55% $17.31 Beryl Major, Director (800) 323-6713 Joy S. Schwartz, Director Thomas E. Diana, Director Emeritus Application Express: (800) LOAN-MCU Supervisory Committee AUTO LOAN RATES Giovanni Porcelli, Chairman Loan By Fax: Karen Lucas, Secretary Maximum Auto-Pay Monthly Payment Per (212) 238-2699 Almeta Coaxum, Member Loan Type Amount Financed Term APR* $1,000 Borrowed Joseph Guagliardo, Member MCU Auto Loans: Cheryl Wright, Member 888-4MCU-AUTO Executive Management New Cars (Best loan rates available when using the MCU Car Buying Service) Kam Wong, President/CEO 2016–2015 125% Up to 60 Months 1.45% $17.29 VISA Information: Thomas Siciliano, General Counsel 2016–2015 125% 61–66 Months 2.35% $16.17 (800) 481-7338 Richard Casamassa, Executive VP/Chief Member Service Operations Officer 2016–2015 125% 67–72 Months 2.35% $14.91 Mortgage and Home Equity Norman Kohn, Executive VP/Chief Information: (212) 238-3521 Credit Officer Linda Lambert, SVP/Chief Pre-Owned Cars (Best loan rates available when using the MCU Car Buying Service) Deposit Account Information: Financial Officer 2014 125% Up to 60 Months 1.85% $17.47 (212)-693-4900 Carole A. Porter, SVP/Chief Retail Banking Operations Officer 2014 125% 61–66 Months 2.65% $16.30 New Member Line: Kim Thompson, SVP/Chief Human Resources and Labor Relations Officer 2014 125% 67–72 Months 2.75% $15.09 (866) JOIN-MCU Senior Management Rates may be higher based on applicant’s credit worthiness. Rates and terms are subject to change without notice. Certain restrictions may apply. VISIT US ONLINE: Anie Akpe, VP/Real Property MCU only finances vehicles purchased from a car dealer: We do not offer financing for private sales, individual sales or lease buyouts. nymcu.org William Birnbach, VP/Member Service Operations * Auto-Pay: When direct deposit or automatic payroll deduction is utilized as the method of loan repayment. Annual percentage rates for auto loans Ahmed Campbell, VP/Loan Operations will increase by 1/2 % after consummation if automatic payroll deduction or direct deposit is cancelled. Annual percentage rates on unsecured Facebook.com/nymcu Corey Fernandes, VP/Business loans will increase by 2% after consummation if automatic payroll deduction or direct deposit is cancelled. Late payment fee: $25.00. Development and Member Relations APR = Annual Percentage Rate. Urmilla Jorawar, Chief Internal Auditor Municipal Credit Union is an equal housing lender. @NYMCU_News Steven Kibitel, VP/Marketing Amy Kong, VP/Risk Management NCUA Your savings federally insured to at John Parrinello, VP/Collections/ NOTICE FROM THE SUPERVISORY COMMITTEE least $250,000 and backed by the full faith Loss Prevention The Supervisory Committee has established a Municipal Credit Union and credit of the United States Government.
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