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Focal Point Magazine from One Nevada Credit Union

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Focal Point Magazine from One Nevada Credit Union Banking and the Digital Frontier INTRODUCING FOCAL POINT — THE NEW MAGAZINE FOR MEMBERS point focal CONTENTS Happy New Year! We wish Security — Looking Out for You you all a healthy and Page 3 All you prosperous 2017. As we start a new year, it’s Savvy Money never been more important ONCU Student Scholarships to utilize a local institution for Page 5 need to your financial services needs. Consider this: 52-Week Savings Challenge • One Nevada is owned by its members — that’s An Investment in Your Future you and me and many others. There are no outside Page 6 worry stockholders or holding companies, just all of us working together to create a great financial Member Profile institution. Jason Feinberg • All decisions regarding loans, fees, branch placement, FOX 5 Las Vegas News Anchor about new services and everything else are made by Page 7–8 Nevadans; people just like you who live here and understand local economic conditions. The NEW Branch Page 9–10 • When you need us, we’re right here. If you have is you. a concern or just need a little extra help with something, there’s a branch nearby staffed by folks Auto Buying Tips who care. And our call center is also right here in Page 11 Nevada. When you call us, you talk to one of us, not a third-party agent. Serving the Community Page 12 • We have everything the “big guys” have. Our technology is as good as (or better than) the big banks! Compare our mobile app for yourself and see. Did You Know? Employee Focus So if you also have accounts or loans elsewhere, consider Page 13 moving them to One Nevada. Thank you for your membership. Bradley W. Beal, President/CEO $399 GAP ADVANTAGE The benefits of GAP Advantage ONCU Other financial Dealerships Our price for GAP is institutions Focal Point is produced Send comments and When your car is wrecked, we hundreds of dollars quarterly by One Nevada suggestions to: $599 $799-$999 cheaper than most as a service to our banks and car One Nevada Credit Union $399 or more or more members. The goals of have you covered with GAP! (avg. costs) (avg. costs) dealerships. Focal Point this magazine are to 2645 South Mojave Road • Pays the remaining • $1,000 principal • Protects FOCAL POINT STAFF inform you about our Las Vegas, NV 89121 balance of your auto reduction to finance your credit products, provide financial [email protected] loan in the event of a replacement rating and Greg Barnes, SVP MARKETING/CMO education and present a total loss, after an vehicle with us gives you topics important to you. For address corrections, Jennifer Salvador, AVP MARKETING insurance payout within 90 days of peace of please speak with a Financial Jake Ludens, AVP MARKETING Service Representative or (up to $50,000). settlement. mind. Copyright ©2017. One Nevada call us. Lisa Jansen, AVP MARKETING — NORTHERN NEVADA Credit Union. All rights reserved. Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Credit Reproduction, in whole or in part, To find a branch in your area, Union. Property, casualty and life insurance offered through One Nevada Insurance Services, LLC. Call (800) 388-3000 or visit any local Jara Pearson, DIGITAL MEDIA STRATEGIST without written permission is go to OneNevada.org or IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from prohibited. Federally insured by consumer reporting agencies, such as driving record, claims and credit history reports. Future reports branch for more information. Greg Pace, SR GRAPHIC DESIGNER NCUA. Equal Housing Lender. download our mobile app. may be used to update or renew your insurance. point focal SAFETY TIP: Cover your PIN to keep it safe. • This keeps potential creditors from debit card and you have no idea what seeing a credit report at all. (The the waiter might be doing with the government can still get access to it.) card when it’s out of your sight. Next • No one can open a new line of credit thing you know, your checking account in your name until the freeze is lifted. is notably lighter. Review your credit report online FREE at onenevada.org. We have Here are some tips to help you avoid partnered with SavvyMoney to bring becoming a skimming victim: you free credit score and report card • Cover your PIN. Keep your PIN safe. available in online banking. You’ll Don’t give it to anyone. soon be able to track your credit score, monitor your credit report and more. • Look at the ATM or point-of-sale machine before using it. If it doesn’t • You can also visit IdentityTheft.gov, a look right, don’t use it. one-stop resource to help you report • If your card is not returned after the and recover from identity theft. transaction or after pressing cancel, Although fewer consumers are immediately contact us. concerned about identity theft than in • Check your account online or from the past, card skimming has taken its your mobile device and report place. suspicious activity. Card skimming occurs when Use Card Controls in the One Nevada fraudsters place a device overlaid mobile app. Card Controls allow you on top of an ATM machine or more to turn your debit card on and off frequently, on a gasoline pump. and limit transactions and certain The physical skimmers are almost merchants. You can also set spending unnoticeable. They read the account limits and set up text LOOKING OUT FOR YOU alerts so you can control information stored on your card’s when and how your raud, card skimming and fraud alone in 2015, according to • It requires potential creditors to verify magnetic stripe. Plus, depending on card is being used and identity theft have given Javelin Strategy & Research. The total your identity before any new credit is the sophistication, some can record even turn it off if it’s lost plenty of us reason for fraud amount was $15 billion. issued in your name. your PIN as you punch it in on the or stolen. F concern. Identity theft • Lasts 90 days, and you can renew it. keypad. can take many forms, but one type of How to prevent identity theft: Security freeze (credit freeze): It can happen not just at ATMs or fraud occurs when an unauthorized Fraud alert • Ask one of the three credit reporting point of sale machines, but also when credit or debit card account is opened. • Ask one of the three credit reporting companies to put a security freeze on you hand your card to someone else. More than 13 million adults in the companies to put a fraud alert on your credit report. Pay your restaurant tab with a credit or United States were victims of identity your credit report. 3 ONENEVADA.ORG | Q1 2017 4 TRENDING SAVE INVEST Get Savvy About Your Money. 52-week Savings An Investment In Challenge Your Future e have partnered COMING with SavvyMoney SOON! to bring you a free W credit score and report card, coming soon in online banking. You’ll be able to track your credit score, monitor your credit report and find better loan options available to you. THE 52-WEEK SAVINGS CHALLENGE IS FOR Track your Credit Score THE WHOLE FAMILY. Do you know your credit score rating? Do you have the lowest ooking for ways to save more? possible rates on your loans? We Here is a fun way to teach your want you to earn your personal family about the power of saving best score and have the best rates L throughout the year. The idea is on loans. We make it all FREE! simple and the results are worth the wait. Left to right: Danny Duffy, Eric Greth, CRC®, Chris Wible, CFP® and Marc Sultan, MBA Credit Monitoring HERE’S HOW IT WORKS. Have peace of mind when by refinancing your existing debt at SavvyMoney is Start with $1 during week one. ne of the benefits of membership at One Nevada you subscribe to email alerts. One Nevada. Plus we will highlight coming soon in • Increase your savings by $1 each subsequent Credit Union is a complimentary consultation with SavvyMoney will send you a new credit cards, personal loans and online banking. week. one of our team’s CFS* Advisors. Our team of notification when something car loans that will save you money. • In week 37 you save $37 and on week 52 seasoned financial advisors has over 99 combined changes on your credit report. O you’ve put away $52. years of experience in the business of investments, financial We compare the rates, you get SavvyMoney credit score provided is intended to help information provided to the credit union when you • Ultimately you will end up saving $1,378 planning and assisting people in their goals of achieving a more you understand the factors that affect your credit apply for a loan. The credit score found in the credit after 52 weeks. the savings. score, and ways you may be able to save money with report may be different than the credit score you see secure financial future. Based on your credit score, we’ll One Nevada Credit Union loan products. It is not through SavvyMoney. The offers presented are not Each week, savings increase. Your CFS* Advisors are here to assist you in all life stages, used for loan approval purposes or for determining offers to lend. Terms and conditions and offers are show you how you can save money loan rates. Loan rates and approvals are based on subject to change at any time.
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