Info Center

General Resources

Annual Meetings

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.

Funds-Available Policy

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.

Security and Privacy Information

Online Security

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.

Identity Theft

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.

Childrens’ Online Privacy Protection Act

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.

Internet Gambling

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.

Traveling Abroad

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.

Debit/Credit Card Fraud

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

External Resources

We have found some other great websites to help you get ahead financially. 

NEW YORK TIMES/YOUR MONEY
We like this site! In fact, it is one of our favorite sites. This site draws focus to the personal side of business and finance…and it is very good. It’s always fresh— keeps you up-to-date and thinking about money matters that matter. Visit this one frequently.

MONEY MAGAZINE ONLINE
This one, too, is an extremely useful resource as to the many and varied things that might fall under the heading “Personal Finances”. This is Time Magazine’s magazine that is totally dedicated to to the subject. Check the menu in the upper-left corner. We particularly like the helpful advice I “Money 101”, but want you to ignore the section that identifies the “Best Banks” in the country. After all, you’re already here! (Ok, you might, after all, want to do a little reviewing and comparing, just to confirm that.)

AUTO SHOPPING IN GENERAL
These are some of the leading car-buying sites (there are undoubtedly many more!). Before you buy another car, visit any of them, or visit them all. You’ll find specifications (for every make and model), current prices (for new and used), car buying advice (usually pretty good!), interesting articles, model comparisons, consumer evaluations, photos, and “a whole lot more!”

Also, check the website of any maker of interest. Google to find blogs, both general and specific (make/model). There are many car maintenance sites— usually Q & A forums— that have pertinent information direct from owners.

If you are looking at a particular used car, write down the VIN # (it’s on a small plate somewhere under the windshield) and Google it to get some historical info about your prospect. There are also sites that provide this info for a fee.

AUTO MENTORS
As a member, you have access to Dale Gordon (503-380-8282) KaiPerm’s personal auto mentor at Auto Mentors. He will help you with your new or used vehicle search, trade-in evaluation, negotiate price, handle your trade-in, even coordinate your financing and vehicle delivery! Contact Dale at Auto Mentors and let him know that you are a KaiPerm member.

KELLY BLUE BOOK
Long the standard for checking prices.

NADA GUIDES
This is the one most dealers subscribe to…new edition comes out every month.

CRAIG’S LIST
If you are shopping for a used car, visit this site for sure, and home in on your particular area, then the make/model car you are looking for. You can decide if you want to buy from a dealer or a current owner (you’re likely to pay more at the dealer.) But check them all to get a sense of current market values. And remember, cash in your pocket will assure you of getting the best deal, price-wise…so come to the credit union before you shop!

E-BAY MOTORS
Go here to see what the market looks like nationally…get an idea of what to expect on the used-car side… and a really good way to get an inside feel for the price.

NEW YORK TIMES AUTOS
Always full of current and interesting articles…much good reading here.

HEMMINGS
Looking for something a bit exotic…like a collector car, perhaps? Check in with Hemmings.

KRUSE INTERNATIONAL
One of the popular auction sites. Fun to visit whether you’re car shopping or not.

FEDERAL GOVERNMENT AUTO SALES
Worth knowing about!

All of these (below) are good shopping sources:

http://www.edmunds.com 
http://www.autobytel.com 
http://www.autos.msn.com 
http://www.autoweb.com 
http://www.autosite.com 
http://www.traderonline.com/ 
https://www.autotrader.com 
http://www.thecarconnection.com

BANKRATE.COM

Bankrate offers news, tips, and advice to compare mortgage rates, home equity loans, CDs, car loans, credit cards and money market accounts. We rely on this site to keep ourselves abreast of what is happening throughout the retail banking industry. Use this impressive resource at no cost.

THE MORTGAGE PROFESSOR

If you’re planning to buy or sell a home anytime in the future, this is a site you want to know about. It’s owner, Jack M. Guttentag— the “Mortgage Professor”— has been a student of the home loan market for years. He is Professor of Finance Emeritus, at the Wharton School of the University of Pennsylvania. And he was Chief of the Domestic Research Division of the Federal Reserve Bank of New York, on the senior staff of the National Bureau of Economic Research, and managing editor of both the Journal of Finance and the Housing Finance Review. He’s also consulted with government agencies and private financial institutions and has been a director of the Teachers Insurance and Annuity Association, Federal Home Loan Bank of Pittsburgh, Guild Mortgage Investments, and First Federal Savings and Loan Association of Rochester. Obviously, he knows his stuff. The site is loaded with articles, information, and good advice, and is independent and objective.

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT: BUYING AND FINANCING A HOME

The home buying process can seem complicated, but taking things step-by-step will assist you in holding the keys to your own home!

DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT: REVERSE MORTGAGES FOR SENIORS 

What to know if you’re interested in a reverse mortgage.

FEDERAL TRADE COMMISSION: CONSUMER’S GUIDE TO MORTGAGE LOCK-INS 

Explains lock-in mortgages and their advantages to consumers.

EMPLOYEE BENEFIT RETIREMENT INSTITUTE
A nonprofit, nonpartisan organization established in 1978 to provide credible, reliable, and objective research, data, and analysis. EBRI’s comprehensive program includes policy forums, roundtables, briefings, testimony, interviews, and speeches. Major studies in the process include Social Security reform, individual investment education and results, health insurance coverage, health policy reform, and pension design and investment trends. They also produce the annual Retirement Confidence Survey. The Institute’s mission is to contribute to, to encourage, and to enhance the development of sound employee benefit programs and sound public policy through objective research and education. (Very Good Site!)

ONLINE LIFE EXPECTANCY CALCULATOR 
So how long do you plan to live? While “just wait and see!” might be the sharp-tongued response to this otherwise impudent question, it does have particular relevance when planning one’s long-term financial future. And accordingly (you may be surprised to hear), it is our federal government that provides a tool to help people figure out their (statistically probable) longevity. As an example, a 65-year-old man can expect to live, on average, until 84.5 years old, and a woman of the same age until 86.8 years old, according to SSA’s actuarial calculator. Just remember, it does not factor in a person’s current health, family history, and other matters. An interesting source, nevertheless and worthy of a look. While you’re on the site, click on the Retirement Planner menu option to get into sensible thoughts about your financial future.

SAVINGS BONDS
A website lets that you buy and redeem securities directly from the U.S. Department of the Treasury in paperless electronic form. You’ll also find product information and research about the entire line of Treasury Securities, from Series EE Savings Bonds to Treasury Notes. New “TreasuryDirect” accounts offer Treasury Bills, Notes, Bonds, Inflation-Protected Securities (TIPS), and Series I and EE Savings Bonds in electronic form in one convenient account. You can also purchase some of these items online.

YAHOO FINANCE
A haven for armchair investors and money junkies, Yahoo! Finance has everything you need to keep up with business — news, stock-specific research, charts, even press releases. In late May, Yahoo! Finance resumed free real-time quotes instead of the standard 20-minute delays on rivals like Google Finance. (The service had been suspended a couple of years ago in a dispute with the major stock exchanges.) Power brokers can shell out $10.95 a month for real-time stock charting. For all the criticism about Yahoo!’s failure to innovate, its finance site showcases the best of what the company has to offer.

FEDERAL STUDENT AID

Yes, there is an agency within the U.S. Department of Education that provides help with college expenses such as tuition and fees, room and board, books, supplies, and transportation. It can also help pay for a computer, even dependent childcare expenses. Find out what specifically is available and if you qualify.

GOOGLE FINANCE

A website launched on March 21, 2006, by Google– features business and enterprise headlines for many corporations including their financial decisions and major news events. Stock information is available, as are Adobe Flash-based stock price charts. The site also aggregates Google News and Google Blog Search articles about each corporation, though links are not screened and often deemed untrustworthy. Google launched a revamped version of their finance site on December 12, 2006, featuring a new homepage design which lets users see currency information, sector performance for the U.S. market and a listing of top market movers along with the relevant and important news of the day. A top movers section was also added, based on popularity determined by Google Trends. The upgrade also featured charts containing up to 40 years of data for U.S. stocks, and richer portfolio options. Another update brought real-time ticker updates for stocks to the site, as both NASDAQ and the New York Stock Exchange partnered with Google in June 2008.

GOVERNMENT PAYCHECKS

This useful site, presented by the U. S. Treasury Department, is loaded with helpful information. Here’s where you sign up for Direct Deposit of Government Paychecks, get info about paying your federal taxes online…and finding out more than you probably ever wanted to know about things like how much money is in circulation, how much we owe to other countries, and other such useful facts and figures.

INDIVIDUAL RETIREMENT ACCOUNTS

If there’s anything you ever wanted to know about IRAs, those tax-deferred, tax-deductible, and in some cases— tax-exempt savings plans, you’ll find it here. IRAs are (still!) one of the best savings tools available today. And more people than ever before are now eligible to take advantage of the incredible tax advantages available through IRAs. Here, too, is the Official IRS Site for IRAs.

MISERLYMOMS

A bit of everything…a trusted source for sound, sensible financial information. Use tools such as calculators, budgeting worksheets, and checklists to make more informed financial decisions. This site is good…really!

NATIONAL CREDIT UNION ADMINISTRATION (NCUA)

The NCUA website is a wealth of information…including specific performance data of every credit union in the U.S. The hot topic for consumers is Identity Theft. The NCUA and other Agencies have published a brochure with an aid to help stop electronic identity theft. Check out this brochure.

BUXFER

Money is typically not the topic of discussion for a group of twenty-somethings wanting to have fun with their lives. But that’s only because today’s finance applications make it difficult and boring. That’s what we have set about to change! We want people to effortlessly understand their finances. And have fun while doing so.  Keep all your accounts updated at one single place, securely. Get transactions automatically downloaded to your account without giving away your online banking credentials. Buxfer lets you store your private information on your local computer, and not on our server. Buxfer has added peer to peer payments to its money management system– supported through Amazon’s new Flexible Payments web service. Social payment sites like these aren’t meant to replace beefier accounting applications like Quicken or Wesabe, but rather easily track account balances with a heavy social networking component. You can add payments to Buxfer manually or import a payment statement from your bank, Quicken, or Microsoft Money. Having your payments on Buxfer lets you manage your balances with friends and analyze your expenses over time through pie charts and graphs. Buxfer has added a Facebook, mobile, and iPhone application.

THRIVE FINANCIAL SERVICES

Thrive’s “mission” is to “help families become properly protected, debt –free and financially independent. We focus on educating, NOT selling.” Sounds a lot like us! We recommend their “Financial Resource Center” and urge you to look through their “Safe Money Strategies.”

VOYANT

A very interesting website. Click on “How it works” to get an overview of the resources and services available. A lot of good advice (you’ve seen much of it before) but it is substantial and presented in a thoughtful manner.

YOUR CREDIT SCORE
Whether you know it or not, you have a “credit score.” And that score, and the report that goes with it tells employers, financial sources, auto dealers, mortgage companies, credit card companies, etc., etc. what they want to know about you and your financial situation. Most financial institutions use the FICO scoring model. The information that makes up these scores is obtained from each of the three credit bureaus: Experian, Equifax, and TransUnion. FICO Scores run from 300-to-850…and are calculated by five factors:
• Your Payment history- 35%
• Amounts you currently owe- 30%
• Length of your credit history- 15%
• Types of credit you hold- 10%
• New credit obtained- 10%

YOUR CREDIT REPORT
Credit reports include the information that determines your credit score. They cover four critical things: Personal Information— your name, social security number, date of birth, current and previous addresses, your spouse’s name, and your employment data. Public Record Information— any legal occurrences pertaining to your financial situation— bankruptcies, liens, wage garnishments or judgments. Credit History— lines of credit (mortgage, auto loans, credit cards, etc.), credit limits and account balances, monthly payment information, and status of the accounts (open, closed, paid, inactive, etc.). Adverse Accounts— any debts that were paid late, have an outstanding balance, or sent to a collection agency and reported to the credit bureau(s)…all of which stays on your credit report for seven years. Whatever is in your report, it should at least be accurate. And often, for a variety of reasons, it simply isn’t! Two things you should do: 1) find out what’s said about you in your credit reports and 2) fix anything that needs fixing! You are entitled, by law, to a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. Go to one key source—AnnualCreditReport.com—to order them.

Importance of Credit History An outside website with more good information!

How Your Credit Score Impacts Your Financial Future Another very good site!

Consumer Guide To Credit Reports Many websites claim to offer “free” credit reports, but try to sell their services and monthly subscriptions. This site shows who they all are, what they offer and what they charge.

DO NOT CALL ME

National Do-Not-Call List Get relief from the nightly telemarketers. The Federal Trade Commission (FTC) helped make this time-saving list a reality. You can register yourself online.

AMERICA SAVES

Provides adult education to encourage savings and advice to assist Americans to build wealth and plan for unexpected expenses.

AMERICAN FINANCIAL SERVICES ASSOCIATION

Teaches consumers the benefits of responsible money management and middle and high school students basic money management skills.

AMERICAN SAVINGS EDUCATION COUNCIL

This program has been developed to raise public awareness about what is needed to ensure long-term personal financial independence.

DEPARTMENT OF THE TREASURY

Developed the MoneyMath program to educate middle school children about savings, investing, spending and credit.

DEPARTMENT OF THE TREASURY-OFFICE OF FINANCIAL EDUCATION

The Office of Financial Education focuses the Department of the Treasury’s financial education policymaking, raises awareness about the need for financial education and provides information about financial education resources throughout the federal government.

EMERGENCY FINANCIAL FIRST AID KIT (EFFAK)

The EFFAK is a simple tool that helps identify and organize key financial records and provides a quick reference file for your most important financial documents.

EXTENSION FINANCIAL SECURITY FOR ALL

The Financial Security for All eXtension website is a source of reliable, unbiased and up-to-date financial and consumer information. Resources consist of learning modules, factsheets, and commonly asked questions that have science-based, peer-reviewed answers.

FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC)

Comprehensive financial education program suitable for adults and high schools students. Includes 10 separate modules ranging from money skills to credit issues.

JUMP START

Comprehensive education program teaching children Pre-K-12 life skills and money management techniques.

JUNIOR ACHIEVEMENT

Program to educate children K-12 about basic life skills, critical thinking and solving complex problems.t

NATIONAL COMMUNITY REINVESTMENT COALITION (NCRC)

Works directly with non-profit organizations to help promote community and economic redevelopment in low- to moderate-income areas.

NATIONAL COUNCIL ON ECONOMIC EDUCATION

The program works through a network of teachers to provide youngsters grades K-12 the principles of economics including savings, investing, use of money and credit.

NATIONAL ENDOWMENT FOR FINANCIAL EDUCATION

Offers a high school financial planning program that provides practical money-management skills and an introduction to financial planning, covering the fundamentals of insurance, investments, tax, retirement and estate planning.

NATIONAL FOUNDATION FOR CREDIT COUNSELING

Promotes the national agenda for financially responsible behavior and builds capacity for its members to deliver the highest quality financial education and counseling services.

NEIGHBORHOOD REINVESTMENT CORP

Works directly with non-profit organizations to provide consumer financial education through collaboration with National programs. The site provides general information and resources to other programs.

OPERATION HOPE

Help revitalize inner-city communities through adult education, community resource information and economic literacy for teens and young adults.

UNDERSTANDING TAXES

The IRS has developed an interactive, instructional tax program to provide high schools, community colleges, and the general public with a technology-based instructional tool.

We look forward to helping you bank like you won't believe!