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This is important! Whether you know it or not, you have a credit “score”. It’s part of determining your “creditworthiness” and factors into any borrowing you ever do, particularly for big-ticket items (auto, mortgage, etc.). You should make it a point to check your personal credit score once a year. Let us show you how.

Borrowing— is financial leverage. Borrowing wisely can pay off for you in both the short, and long run. KPCU is here to make loans and we’ll always work hard with you to do so for you.

This is “money-at-the-ready.” Open a one-time line of credit and draw upon it when you need extra cash. No loan payback or interest is due until you take money out. An Equity LOC is backed by the value you own in your home (like a mini-second mortgage), the rates are usually very good, and the added advantage is that you can generally deduct the interest from your annual federal income tax (check with your CPA).

For most of us, obtaining a mortgage will be the most significant financial move we’ll make. It’s more than just a bit involved, and it’s something you’ll live with, financially, for years. There are many options, many arrangements…which one is right for you? We can help you work that out. And— we’ll push the paperwork through in record time.

Online Mortgage Application

Life should be lived! Think about that, then start writing down the things you want to do— yourself, with your family, with friends. Career, travel, hobbies and fun, anything/everything that is meaningful to you. Maybe they are “bucket list” items, or maybe an entirely new chapter for you. Begin to figure out what you would have to do to make any of these things happen. The more specific and detailed you are about this, the more they might occur. Or, maybe something else, and better, will. There will be costs involved. Go back and look at your budget/spending plan and make sure you are committing some of your income in some of these directions. As they say “living well is the best reward.” What that means for you…only you can decide.

If you or someone in your family has been employed, Social Security is something you probably can anticipate (at least for now). But it probably won’t be enough to provide what you need through your retirement years. You have two primary objectives when it comes to saving: You want a ready-cash account for right-now, out-of-the-ordinary expenses and you want something in the way of retirement savings for down-the-road expenses. The best advice is— get started with both of these plans as early as possible and don’t touch the funds you have in the retirement pot if you can help it until it is “time.”

Everybody should do this! Start by writing a letter to someone, saying what you want to have happen with all the things you own. And say too, what you want to have happen to you (during your final months, years…and after you die). There are useful guidelines for all of this. Let us help you.

This particular “drill” will put your financial picture into full perspective. Make two lists— what you own, and what you owe. Add the dollars in each list and subtract the second list from the first. That’s your “net worth.” Do this every couple of years and watch the bottom line slowly grow.

We are a cooperative and you, as members, are also owners of this organization. Once each year (generally in May) we hold our annual meeting. Every member is welcome! We’ll announce the meeting time/place well in advance.

At the annual meeting, you will hear what the Board has to say about the status of the credit union (including a report of the overall financial status). The Supervisory Committee will also deliver a report. And you will be asked to vote on the slate of officers for the coming year. The truth is, we don’t get a huge turnout for these meetings, but we would like you to come. There will always be an opportunity, every time, for members to ask questions or express opinions during the evening.

SUPER SECURITY 
When you’re online at KaiPermnw.org, your information is protected using the latest in online security standards, including Secure Socket Layers (SSL) and automatic logouts. When new standards are created, we adopt the ones that make sense for all of our members. However, we ask that you do your part as well.

BE SURE TO KEEP YOUR LOGIN AND PASSWORD SECRET 
Follow the Virtual Branch login username and password guidelines to create a unique password you’ll remember. Then, keep that information secret. Of course, if you ever forget your username or password, call us and we’ll help you get back into the system.

OTHER PERSONAL SECURITY MEASURES INCLUDE:

• Utilize the most current version of your favorite browser.
• Be sure others are not watching when you enter your login information.
• Never leave your computer unattended while online.
• Exit the system when you are finished to properly end your session.
• Close your browser when you are finished so that others cannot view any account information displayed on your computer.
• Keep your computer free of viruses. (Use virus protection software to routinely check your computer.)

YOUR IDENTITY IS YOUR PROTECTION
Enhanced Authentication provides extra protection for your online data and helps guard against phishing scams and identity theft by recognizing your computer and usage patterns. If a questionable login attempt is detected, the system will require additional identity verification before allowing access. The system also displays a secret image and phrase combination that you choose. This secret image and phrase are displayed each time you log in as a reassurance that you are at the correct page. If you do not see your image and phrase, you should not enter your Security Code.

If ever you think you see something funny on your credit card or checking account statement (check them frequently) — call us right away! Check your credit report for accuracy annually. Order a free credit report at www.annualcreditreport.com.

• Be aware of who is listening when you give personal information over the phone, whether at your desk at work or in public on a cell phone.
• Never put your account number or telephone number on the Internet, unless the information is encrypted on a secure site.
• Never give out personal information over the phone or the Internet unless you have initiated the conversation. When you do provide personal information, ask how they plan to use, secure, and dispose of it.
• Keep a list of account numbers and creditor phone numbers in a safe place so you can cancel them quickly if needed. Don’t store account numbers on any computer that connects to the Internet.
• Empty your wallet of any credit cards or pieces of identifications you don’t use frequently.
• Don’t carry your social security card, birth certificate, or passport on you.
• Cut up old or expired credit cards. Close all inactive credit card and financial accounts.
• Consider a P.O. box or locked mailbox.
• Keep a calendar for expected or regular monthly bills so that you’ll notice if they don’t arrive. One of the first things thieves do is call to change the address on accounts so that you are not aware of fraudulent charges.
• When paying bills, drop them inside at the post office or use Bill Pay.
• Have your checks delivered to your financial institution rather than your home.
• Never put your account number or telephone number on the outside of an envelope or a postcard.
• Consider using your first initial and last name on your checks.
• Do not leave statements or other documents with your information lying around.
• Keep track of any new credit cards you’re expecting in the mail. If they don’t come when expected, call the creditor.
• Reduce unsolicited credit card applications by calling 888-5OPT-OUT to have your name removed from marketing lists.
• Review your bank statements each month and your credit report once a year. If anything appears fraudulent, call the creditor immediately and put an alert on your reports.
• Keep all of your information – your Social Security number, account numbers, and passwords – in a safe place that only you have access to. When discarding documents, shred anything that contains your information.
• Consider investing in a paper shredder to destroy statement, credit card offers, and junk mail. Or join us for the annual KaiPerm Shred Day at a Kaiser Permanente location near you.
• Keep a list of all your credit cards, loans, account numbers, and expiration dates in a safe place so that you can call creditors in case of theft or loss.
• Check your credit card bills. Don’t just pay your bill without first checking exactly what’s on it. Be sure to save your receipts so you can track everything.
• Always protect your Personal Identification Number (PIN) when entering your number, whether you are using an ATM or you are entering your number after swiping your card in a merchant’s terminal.
• Be very aware of your surroundings, especially if you are outside using any ATM terminal. If you are uncomfortable, stop the transaction, take your card and any receipt that has printed, and go to a more secure location.
• Always take your receipt and destroy it thoroughly after you get home. Never simply throw it in the garbage. That receipt contains information that thieves need to use your card information illegally.
• If an ATM isn’t working properly and someone attempts to help you by asking you to try the transaction and enter your PIN; you will be the next victim of ATM/Debit card fraud. This is a scam in which the bad guy has purposely jammed the machine (which stores your card number) all the thief needs is your PIN to drain your account of all funds.
• Always report losing your card to your financial institution immediately. It is much safer to have your card blocked and reissued than it is to take a chance on the card being in the hands of bad people. With the professional crooks in the world, it doesn’t take long to duplicate the information located on the back of your card (the magnetic stripe).
• It is a good idea to let your financial institution know when you will be traveling out of your immediate area, especially if you plan on going out of the country. That way, as the financial institution reviews the daily reports, they will have a better idea that you are the one using your card on business or vacation and that the card hasn’t been stolen and being used improperly. Remember to alert your financial institution when you have arrived home.
• Remember to keep your PIN to yourself. The number has been assigned specifically to you and no one else. You can eliminate hassles for yourself later. A way to eliminate the temptation for family members is to not give out your PIN to them, either. By sharing your PIN with anyone, you remove all chances of recovering any fraud detected on your account.
• Your credit union’s checks have built-in security coding. Order checks through them instead of mail order or online companies for extra identity protection.
• Don’t pre-print your Social Security number, your driver’s license number, or your phone number on checks. That gives anyone who receives or handles your checks all the personal information needed to defraud you.
• Memorize your personal identification numbers (PINs). Make sure your PINs are different from your address, telephone number, social security number, or any other personal information.
• Make sure no one is looking over your shoulder when you use an ATM or phone card.
• Compare your ATM receipts and cashed checks with your periodic financial statements. Check for unauthorized transfers or charges.
• Carefully and promptly review all credit card and bank statements for unauthorized activity, and report anything suspicious.
• Be vigilant about protecting your personal information – even at home. When it comes to safeguarding your identity, you can never be too careful. Keep all of your information – your Social Security number, account numbers, and passwords – in a safe place that only you have access to. When discarding documents, shred anything that contains your information.

This ruling, mandated by the National Credit Union Association (NCUA) under the Code of Federal Regulations (CFR), prohibits unfair or deceptive acts or practices in connection with the collection, use or disclosure of personal information from or about children on the internet.

All credit unions are obligated to obtain verifiable parental consent prior to collecting, disclosing personal information from children. KPCU will never ask for information from or deal directly with children under the age of eighteen without direct parental involvement and/or consent.

We reserve the right to place reasonable holds on all funds deposited up to eleven (11) business days. For checking accounts, we make funds from your deposits available on the same business day we receive your deposit. You can withdraw these funds as cash; we will also use these funds to pay checks you have written. When you make a deposit before 2:00 PM on a weekday, we consider that as the day of your deposit. Deposits after 2:00 PM are recorded on the next business day. Deposits not made in one of our branches will be deemed made on the next business day if made after 12:00 Noon.

LONGER DELAYS MAY APPLY 
In some cases, we will not make all of the funds that you deposit by check available on the same business day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $200 of your deposit to checking will be available at least by the first business day after your deposit is received, (unless you have overdrawn your account repeatedly in the last six months).

If we don’t make funds from your deposit available on the same business day, we will notify you at the time you make your deposit and will tell you when your funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day after we receive your deposit.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• You deposit checks totaling more than $5,000 on any one day.
• You have overdrawn your account repeatedly in the last six months.
• You deposit a check that has been returned unpaid.
• There is an emergency, such as failure of communications or computer equipment.
• We believe a check you deposit will not be paid.

We will notify you if we delay your ability to withdraw funds for any of these reasons. We will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.

HOLDS ON OTHER FUNDS 
If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

SPECIAL RULES FOR NEW ACCOUNTS 
The following special rules may apply during the first thirty days your account is open. Funds from electronic deposits will be available the day we receive them. Wire transfers—and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state or local government checks— will be available on the first business day after the day of your deposit if the deposit meets certain conditions: The checks must be payable to you, The excess over $5,000 may not be available until the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person, the first $5,000 may not be available until the second business day after the day of your deposit. Funds from all other check deposits may not be available until the ninth business day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES (ATMs) 
Funds from deposits at KPCU ATMs of more than $1,500 in one day may not be available until the second business day after the day of deposit. All ATMs that we own or operate are identified as our machines. Funds from deposits (cash or checks) made at ATMs we do not own or operate may not be available until the fifth business day after the day of your deposit.

In accordance with the Unlawful Internet Gambling Enforcement Act (Federal Reserve Regulation GG), here is information if you make internet gambling transactions: Restricted transactions (defined in Federal Reserve Regulation GG) are prohibited from being processed through your account relationship with KPCU.

These include but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling. There is the likely possibility that your Internet purchase/transaction will be denied if it involves betting, wagering, or acceptance of proceeds from another person in connection with unlawful Internet gambling. KPCU reserves the right to block or reject any such restricted transactions, or to close any account we believe is in receipt of such transactions.

If you happen to be out of the country (and plan to use your credit or debit card), please— let us know! Also, do let us know where you will be going (countries visiting) and when you will return.

Make sure, as well, that we have a current cell phone number and e-mail address for you…just in case any issues arise. Our system is set up to allow you to draw up to $500/day U.S. (or the foreign equivalent). And don’t worry about overseas exchange fees…we will cover them for you.

We are committed to keeping your account here at the Credit Union safe! We continuously monitor fraud trends, hoping to avoid any fraud from occurring on your personal account. We have added a new product to our debit card risk program that allows us to restrict debit card transactions in high-risk areas such as Hong Kong, Spain, and United Kingdom, or even transactions associated with merchants that have proven to be of high risk such as Michaels or iTunes. We also know it can be inconvenient, even embarrassing when a transaction fails to be approved. That’s why we ask you to contact us anytime you are traveling outside your regular routes. We can then ensure that there is no interruption in service. It also is a good idea to have a “backup card” in your wallet, in the event a debit card transaction is declined. We have a competitive credit card product as well as prepaid cards. Contact us with any questions you may have.

Our phone number is (503) 813-3242 (toll-free 866-813-3242) or email us.

We also have after-hours numbers if your card is lost or stolen:

• Debit card Lost/Stolen (800)472-3272
• Credit Card Lost/Stolen (877)364-4019

You should know— the following merchants have been blocked due to a high volume of fraud:

• Napsters (www.napsters.com)  – Record Store – Merchant ID – 66020900713271
• Empresa De Infor -Home Appliance Store – Merchant ID – 206056939
• MyPPHelp – Merchant ID – 000515967743
• BGF*BigFish86692 – Hobby, Toy & Game Store – Merchant ID – 154051000152968
• Budget Savers – Merchant ID – 000505968081
• Krypton Systems LTD – Merchant ID – 000515967909
• MEDCHELP – Merchant ID – 000515967701
• Nutraslim  – Merchant ID – 000505499129
• QuickDetox – Merchant ID – 000505499111
• Vendorsupport  – Merchant ID – 000505967406