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 UPCOMING HOLIDAY SCHEDULE

WE WILL BE CLOSED THURSDAY AND FRIDAY 11/27 & 11/28 FOR THANKSGIVING!

 COMING SOON

 NEW WEBSITE AND ONLINE LOAN APPLICATION!

 NEW SERVICES NOW OFFERED

 MONEY ORDERS FOR MEMBERS $2.00

 WE ARE NOW OFFERING GAP (GUARANTEED ASSET PROTECTION) AND MRC (EXTENDED WARRANTY) ON VEHICLES AT RATES SUBSTANTIALLY BELOW THE DEALERSHIPS. GIVE RAE A CALL AT 769-3329 FOR MORE INFORMATION AND A QUOTE.  ALSO, YOUR CREDIT UNION MASTERCARD NOW OFFERS A REWARDS PROGRAM CALLED "SCOREMORE". GET MORE INFORMATION AND JOIN AT THE LINK BELOW.

www.scorecardrewards.com/general_home.asp 

 On 1/9/2014, the Enhanced Authentication in Virtual Branch, our online access system will be upgraded. Beginning on 1/9/2014, the image that currently appears above the Security Code will no longer be displayed. The first time you log on to this site on or after this date you will be prompted to reenroll in Enhanced Authentication by selecting new security questions and a Security Phrase. To view additional information, click on the "Important - New Security Information" link in the top upper right corner of your online banking page.  This is another step in the process of making sure your account information is as secure as possible.

TARGET UPDATE

 As we continue to monitor the recent Target compromise, we have learned of recent phishing emails related to the Target breach. The emails look like they are from Target and play on the fears of the public that they may have had their card compromised. As a precaution, please be advised to proceed with caution if you receive an e-mail from Target. You should NOT OPEN any links that may be included in these emails as that could potentially allow additional access to your personal information. Target plans to post any and all emails to their breach-related site so its customers will know the difference between valid emails and phishing emails.  As always, please continue to monitor all your debit and credit cards for possible fraudulent activity.

Link to forms:

Change contact info (address, phone, email, etc):   ig.libertyonline.net/ImageGallery/Custom/cu1100/PDFs/ADDRESSCHANGEFORM.pdf

Wire transfer out request:  ig.libertyonline.net/ImageGallery/Custom/cu1100/PDFs/WIRETRANSFERREQUEST.pdf

Western Union request:  ig.libertyonline.net/ImageGallery/Custom/cu1100/PDFs/WESTERNUNIONTRANSFERREQUEST.pdf

Wire transfer in or ACH (debit and direct deposit) info:   ig.libertyonline.net/ImageGallery/Custom/cu1100/PDFs/WIREANDACHINSTRUCTIONS.pdf

 

SPECIAL LOAN RATES 

FOR A LIMITED TIME! PURCHASE NEW OR USED OR REFINANCE SOMETHING YOU HAVE FINANCED SOMEWHERE ELSE.  RATES ON VEHICLES AS LOW AS 2.49% APR FOR 3 YEARS, 2.79% APR FOR 4 YEARS AND 2.89% APR FOR 5 OR 6 YEARS. RATES 1% ABOVE THOSE FOR OTHER COLLATERAL LOANS.  UNSECURED RATES AS LOW AS 7.75% APR FOR UP TO 5 YEARS.  BORROW TO PAYOFF HIGH INTEREST CREDIT CARD BALANCES AFTER CHRISTMAS.  COME SEE US OR GIVE US A CALL AT 769-3329 OR 769-3330.  CLICK THE LINK BELOW OR CLICK THE RATES BUTTON ON THE LEFT TO SEE ALL OUR SPECIAL RATES.

LOAN RATE LINK     ig.libertyonline.net/ImageGallery/Custom/cu1100/PDFs/CURRENTLOANRATES.pdf

  www.mymoney.gov

  This site organizes financial education help from over 20 different Federal web sites in one place. Content is organized by where you are in life ("Life Events"), who you are ("My Resources"), and by specific hands-on tools ("Tools"). Popular Topics are also highlighted. This site provides summaries of resources available at other official government sites and allows you to open those pages in a new window. 

If you are in the market for a new vehicle, check out the "Invest in America" program offered nationwide by GM, AutoNation and others.  Special incentives are available only to Credit Union members.  Finance it with us and save both ways.  To find out how and to save on other purchases, go to the website -  www.lovemycreditunion.org

 

 Your Credit Union is Federally insured by NCUA (National Credit Union Administration) insurance and is backed by the Full Faith and Credit of the US Government, just like the FDIC.  The coverage has been increased from $100,000 to $250,000.

 

HOW TO ACCESS OUR FREE ONLINE BANKING  (VIRTUAL BRANCH) AND BILL PAY

If you now have free access to audio response and remember your pin#, you can sign up with online banking called “Virtual Branch” at our website www.rghefcu.com .  Click on Online Banking”, then click on “Enroll Online”. When you get to Virtual Branch, use your account# and the pin# that you use on audio response, click the “I agree” box and proceed through the enhanced security features. If you are not enrolled in Audio Response or don’t remember your pin#, give us a call. If you have a checking account with us, you will also have access to “Bill Pay”. If you want to take advantage of this service, give us a call after you enroll on online banking and we will be glad to set it up for you. Options for this service will not appear on your screen in Virtual Branch until we enroll you in this service. You can pay bills from your checking account one time or schedule periodic payments.  This service is also free.

 

MASTERCARD ONLINE ACCESS

If you have our Mastercard you can now access your account information online @ www.ezcardinfo.com .  You can check charges, make a payment and even set up a recurring payment for the minimum or a specific amount. It is very important in today's world to monitor all your accounts as often as possible to identify and prevent fraudulent activity.  If you need assistance getting access to your account, please let us know @ 769-3330 or come by the Credit Union.

 

The Credit Union's 62nd Annual Meeting was held on Wednesday, February 19th,

2014 at 2:00 in the Cascade Room in Rapides Women's and Children's Hospital.

46 Members attended.

There were cash prizes and refreshments after the meeting!

 

  

THE MEDICAL CENTER HAS CHANGED PHONE PREFIX NUMBERS 

MAIN HOSPITAL

RW & CHILDREN

SOUTH TOWER

If your number was

If your number was

All extensions in the

473-3135

449-7070

South Tower

IT WILL NOW BE

IT WILL NOW BE

will begin with

769-3135

769-7070

769-5XXX

CONTACT INFORMATION

   211 Fourth ST, 1st Floor Medical Terrace Bldg
Alexandria, LA 71301-8421
Phone (318) 769-3330     Fax (318) 769-3982

 Email Address -  info@rghefcu.com
Website www.rghefcu.com

Mastercard Online Access- www.ezcardinfo.com

 Audio Response (Phone access)
(800) 403-5955

Mastercard Customer Service
(800) 322-8472

Mastercard - To Report a Lost or Stolen Card
(866) 604-0381 

Mastercard Payment Address 
P. O. Box  4521
Carol Stream, IL   60197-4521

 

Loan Officer Member Service Rep Manager
Rae Foster Lisa Labbe' LeRoy Martin
  Emelda Rhodes  

 


 

 RECENT  SCAMS

 Alert Details  (MONEY MULES)
A number of credit unions have reported that their members are being recruited as money mules by fraudsters. Money mules unknowingly assist fraudsters in laundering stolen funds. The source of the stolen funds received by the money mules is often from account takeovers at other financial institutions through online banking systems.  Money mules are most often recruited through bogus job offers for payment processors, financial managers, or overseas representatives. Fraudsters typically find their potential money mules by searching websites where job seekers post their resumes. A key consideration in accepting the position is the ability to work from home.
Upon accepting the job, the money mules are notified they will receive deposits to their accounts via ACH and/or wire transfer. In some cases, the money mules are instructed to open an account at a financial institution in order to receive the funds. The mules are instructed to not share details of their new job with anyone. Upon receipt of the funds, the mules are instructed to either wire the funds to an account at another financial institution (foreign and domestic) or send the funds to individuals via Western Union. The money
mules keep a portion of the funds deposited to their accounts as wages.
In one case, a credit union member was recruited to assist a foreign company in purchasing heavy construction equipment. The fraudsters deposited the stolen funds to the member’s account via wire transfer. The member even received a bogus purchase invoice for the equipment from the fraudsters. The member was instructed to wire the funds to the equipment manufacturer’s account, which turned out to be a fraudulent account opened by the fraudsters. The deposits made to the money mule accounts via ACH and/or wire transfer were actually stolen from deposit accounts at other financial institutions and investment accounts held at brokerage firms. Using sophisticated banking Trojans, such as Zeus, fraudsters steal the login credentials of online banking users and investors who access their investment accounts online. The fraudster logs into the account and transfers funds via ACH and/or wire transfer to the money mules’ accounts.  The money mules are recruited through means other than bogus jobs. Fraudsters often find their victims by searching online dating websites. The victim’s new-found love
fabricates a story to dupe the victim into laundering stolen funds. In a common scam, a fraudster located overseas claims to have a friend in the United States and wants the friend to fly overseas for a visit; however, the friend cannot transfer money overseas to purchase the ticket. The lovelorn victim agrees to help his/her newfound love and receives a deposit to his/her account with instructions to wire the funds overseas.

FRAUD ALERT

NATIONAL CREDIT UNION ADMINISTRATION
1775 DUKE STREET, ALEXANDRIA, VA 22314
SUBJECT: Text Message Scam
 
The purpose of this fraud alert is to inform you of a scam that involves unsolicited text messages sent to cell phones. The message urges the recipient to call a number provided for information about account discrepancies and then solicits individual account information and pin numbers. Cell phone users should be weary of unsolicited text messages. Such messages should be deleted and all deleted text messages should be removed, if possible, as the perpetrators have been known to use Spyware1 in conjunction with their text message solicitation.  Such a scam could be used to obtain personally identifiable information and credit union account access information, for those who access their accounts using their cell phones. 
 
1  Spyware is software installed on your computer or cell phone without your consent and it monitors or controls your use of the device. It may be used in your cell phone for such things as monitoring your Internet surfing, activating your speaker phone as a listening device, taking pictures with your phone camera, copying your contacts, or recording your keystrokes, which, in turn, could lead to identity theft.

 Sudden Riches

They say you won a foreign lottery orsweepstakes.
But that's impossible unless you traveled to that country to enter, since it's illegal to buy or sell tickets across the U.S. border.
Thenotice comes by regular mail, phone, fax, or email.
If you'd won a cash prize or inherited money, you'd be notified by certified mail.
 
Rental Schemes
They claim to be moving from outside the area, even from another country.
They send a check to cover shipping costs and ask you to forward the excess to someone else.
They haveunexpected expenses, so send some of the deposit back as a favor.
But they never intend to move in. By the time you've discovered the scam, they've already found their next victim.
 
Overpayments
They don't really want the merchandise- they want your money.
They offer overpayments on items you advertised in the classifieds or the online auction.
They claim they sent the wrong amount by"mistake".
They ask you to deposit the check in your account and return the excess to them.
 
Love Losses
You think you've found someone special online.
But maybe you've been specially selected for a scam.
They promise to come to the U.S. to be with you.
But they need you to cash a check or money order to cover travel expenses.

 

Jury Duty
Most of us take summons for jury duty seriously.
           The caller claims to be a jury coordinator.  If you protest that you never received a summons, they ask for your social security number and date of birth so they can verify the information and cancel the arrest warrant.
Give out any of this information and bingo, your identity was just stolen.

            They use intimidation over the phone to bully people into giving information pretending to be with the court  system  and telling you a warrant for your arrest has been issued.
 

Vishing - New Identity Theft Threat

Many Identity theft thieves are using a computer technology called VoIP (Voice over internet protocol) to make anonymous calls to your phone for a crime called "vishing".  You may get a call that your credit card has been used illegally.  You're asked to dial a fake toll-free number in order to "confirm" your account details and credit card number. Once you provide this information to the thief, he is free to run up charges on your account and leave you with a financial mess to clean up.                                    

Tips to protect yourself - Never "confirm" or "verify" any financial information over the phone unless you make the phone call, never trust the "Caller ID" on your phone.  Always call the customer service phone number on the back of your card or statement to check if the call was legitimate. The same applies to the internet. Never respond to an email and give account information for any reason, call the customer service phone number provided on the back of your card or statement.  Report any "vishing" attempts to your financial institution or credit card provider as soon as possible.

 

TRUTH-IN-SAVINGS DISCLOSURE

SHARE REGULAR SAVINGS ACCOUNT

 Rate Information:  The dividend rate and annual percentage yield may change every quarter. We may change the dividend rate for your account as determined by the Credit Union Board of Directors.  Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.  Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31.  All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is April 1.  If you close your share account before dividends are paid, you will not receive the accrued dividends.  Minimum balance requirements: The minimum balance required to open this account is $100.00.  You must maintain a minimum average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield.   Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.  Accrual of dividends on non cash deposits - Dividends will begin to accrue on the business day you place non cash items (for example, checks) to your account.  Transaction limitations:  During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a telephonic order or instruction. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above; your account will be subject to closure by the credit union.  Par value of a share in this account is $5.00

SHARE DRAFT (CHECKING ACCOUNT)
 
Minimum balance requirements:  The minimum balance required to open this type account is $20.00.  Transaction limitations:  No transaction limitations apply to this account unless otherwisestated in the Common Features section.  If dividends are paid the following applies:  Rate Information:  The dividend rate and annual percentage yield may change every month. We may change the dividend rate for your account as determined by the credit union board of directors.   Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month. Dividend period - For this account type, the dividend period is monthly.  For example, the beginning date of the first dividend period of the calendar year is January I, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1. If you close your checking account before dividends are paid, you will not receive the accrued dividends.  Average daily balance computationmethod - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use for this type account is the monthly statement cycle.  Accrual of dividends on non cash deposits - Dividends will begin to accrue on the business day you place non cash items (example, checks) to your account.

SPECIAL ACCOUNT

Rate Information:  The dividend rate and annual percentage yield may change every quarter. We may change the dividend rate for your account as determined by the credit union board of directors.   Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.  Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is April 1.   If you close your share account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: The minimum balance required to open this account is $100.00. You must maintain a minimum average daily balance of $100.00 in your account to obtain the disclosed annual percentage yield. Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the quarterly statement cycle.  Accrual of dividends on non cash deposits - Dividends will begin lo accrue on the business day you place non cash items (for example, checks) to your account. Transaction limitations: During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a telephonic order or instruction. No more than three of the six transfers may be made by check or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union.  Par value of a share: The par value of a share in this account is $5.00.

     CHRISTMAS CLUB

Rate Information - The dividend rate on your term share account is the average of the regular share account rates for the four quarters preceding the maturity date.  Compounding frequency - Dividends will not be compounded. Crediting frequency - Dividends will be credited to your account at maturity.  Dividend period - For this account type, the dividend period is the same as the term, beginning on the date the account is opened, and ending on the stated maturity date. Effect of closing an account - If you close your account before dividends are paid, you will not receive the accrued dividends. Minimum balance requirements: No minimum balance requirements apply to this account. Average daily balance computation method - Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is annually.  Accrual of dividends on non-cash deposits - Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account.  Transaction limitations:  You may make unlimited additions into your account. If any withdrawal is made from this account before the end of the club term, then this account may be closed. You may not make withdrawals of principal from your account before maturity. You cannot withdraw dividends from your account before maturity.  Time requirements - Your account will mature September 30th.   Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) - The penalty we may impose is the lesser of: The account balance at the time of withdrawal, or $25.00. There are certain circumstances, such as the death or incompetence of an owner, where we may waive or reduce this penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan. Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if we receive written notice from you before maturity of your intention not to renew. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will not accrue after final maturity. Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account. There is no grace period following the maturity of this account during which you may withdraw the funds without being charged an early withdrawal penalty.

 COMMON FEATURES

Bylaw requirements:  The member must complete payment of 20 shares($100.00) within six months as a prerequisite to admission to membership.  Transaction limitation - We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.  Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. (This disclosure further explains the dividend feature of your non-term share accounts.)  National Credit Union Share Insurance Fund - Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.   

Please refer to our separate fee schedule for additional information about charges.

 

FUNDS AVAILABILITY POLICY
 
This disclosure describes your ability to withdraw funds at Rapides General Hospital Employees Federal Credit Union. It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those described in this policy. Please ask us if you have a question about which accounts are affected by this policy.
 
1) General Policy. Our policy is to make funds from your cash and check deposits available on the same business day we receive the deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, funds can be withdrawn in cash and we will use the funds to pay checks written on the account. For determining the availability of deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If a deposit is made before closing on a business day that we are open, we will consider that day to be the day of the deposit. However, if a deposit is made after closing or on a day we are not open, we will consider the deposit made on the next business day we are open.
 
2) Reservation of the Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day we receive your deposit. Funds may not be available until the 2nd business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the 1st business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the same business day, we will notify you at the time of your deposit. We will also tell you when the 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. If you need the funds from a deposit right away, you should ask us when the funds will be available. 
 
3) 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 availability for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that are 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.
 
4) Longer Delays May ApplyWe may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:
 
·        We believe a check or draft you deposit will not be paid.
·        You deposit checks totaling more than $5,000 on any one day.
·        You deposit a check or draft that has been returned unpaid.
·        You have overdrawn your account repeatedly in the last six (6) months.
·        There is an emergency, such as a failure of communications or computer equipment.
 
We will notify the member if we delay the ability to withdraw funds for any of these reasons, and we will tell the member when the funds will be available. They will generally be available no later than the seventh business day after the day of the deposit. 

This site organizes financial education help from over 20 different Federal web sites in one place. Content is organized by where you are in life ("Life Events"), who you are ("My Resources"), and by specific hands-on tools ("Tools"). Popular Topics are also highlighted. This site provides summaries of resources available at other official government sites and allows you to open those pages in a new window.

 

 

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