1000 Centre Way
Charleston, WV 25309 USA
304-746-5111
[+] GET DIRECTIONS

FINANCIALLY FIT IN 2017

2017 Get Financially Fit!!

START WITH A BUDGET :

Track your spending to see where your money goes.  Then build your budget based on your usual expenses.  Look for ways to cut back cable, internet, cell phone, shopping sales and cutting rates on credit cards.

WRITE IT DOWN: Purchase a notebook, a journal or use an excel spreadsheet and write down your normal monthly bills.  Set this money aside for bills, gas, groceries only.  Whatever is left….decide on a percentage to put in a separate account to save.  Use an amount you can live with and leave it alone.

You’ll be amazed how quickly it will grow.

SET GOALS: Using the figure you plan to save set goals for your savings to grow, it can be very satisfying to see that money grow.

EMERGENCY FUND:  As soon as possible set aside an emergency fund,  just a small amount to keep you from having to dip into your account that is set aside for your savings goal.

MENTALLY FIT:  Once you have a financial plan, make a separate journal to write down things you need to do, want to do and things you have accomplished.  Making a list and marking off the items that you have finished gives you a sense of accomplishment.  If you write them down you may also be less likely to go to bed with your mind full of what you need to do.  Writing it  down will  help put it out of your mind and help you get a good nights sleep.

Equal Opportunity Act

Equal Opportunity Act

Under the equal opportunity act the credit union will not discriminate on the basis of race, gender, national origin, color, marital status, age, religion, or receipt of income from any public assistance programs.

Child Safety Act Home Computer Safeguards

Child Safety Act

Home Computer Safeguards

How can parents help protect their children?

  • Keep computers in the family room rather than the child’s bedroom.  It is more difficult for offenders to communicate with a child when the computer screen is visible to other family members.
  • Research filtering, blocking or websites rating applications to provide adequate content control.
  • Monitor you child’s interaction with online friends, just as you would their real time friends. Anonymous Internet contacts may not always be accurate.  A twelve-year-old female’s Internet identity may actually belong to a fifty-year-old man.
  • Talk to your children with Internet capable cellular phones about safe usage, and be sure to monitor the phone records.

Away from Home

Parents should also be aware that the home computer is not the only way for their children to access the Internet. They can use the unmonitored computer at a friend’s house, their school, the public library, a club or even a coffee house.  In addition, certain game consoles, handheld devices and mobile phones have the ability to connect to the Internet.  For these reasons, it is important to openly communicate with your child to form healthy Internet habits.

  • Talk to your child about potential online dangers and sexual victimization.
  • Teach your children about responsible use of online resources.  The online experience is far more than just chat rooms.
  • Talk to your child’s school, friends, and public library putting safeguards in place regarding unmonitored Internet access.
  • Teach your children the following:
  • Never arrange a face- to- face meeting with anyone they meet online unless a parent is present.
  • Never upload personally identifiable pictures. Pictures are easily altered and can be widely  broadcast in unflattering ways.
  • Never provide any personal information such as real name, phone number, address, social security number

Planning to Travel?

Traveling this Holiday Season?

1) Remember to let us know if you are traveling out of area with a debit card.

2) Remember debit cards have daily limits

3) Always take more than one method of payment.

4) Enjoy this Holiday Season!

ONLINE SAFETY TIPS How We Safeguard Your Info

How We Safeguard Your Information

SAFEGUARDING YOUR INFORMATION

In today’s high-tech world, we are able to do things more quickly and conveniently. We can send a letter via email, pay bills electronically, or even shop online.  However, this increase in speed and convenience also increase your risk.  Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public.  The security of member information is a priority.  We are strongly committed to the safety and confidentiality of your records.  One of the best ways to avoid fraud is to become an educated consumer, and we would like to help you in this endeavor. Please take a moment to read this important information on how to keep yourself safe when conducting business online or by mobile banking.

HOW TO KEEP YOURSELF SAFE IN CYBERSPACE

An important part of online safety is knowledge.  The more you know, the safer you will be.  While you may think of cyberspace in terms of regular internet access, many mobile devices (iPhones, iPads, ect.) may be just as powerful as regular computers and often allow you to conduct the same transactions.  Here are some tips on how to stay safe in cyberspace.

  1. Set strong passwords. A strong password is a combination of upper and lower case letters, numbers,  symbols as well as one that is not easily guessed.  Change your password frequently. Do not write it down or share it with others. And in your mobile device, do not store passwords.
  2. Passwords protect your mobile device. A device password can help prevent unauthorized access to your information if your mobile device is lost or stolen.
  3. Don’t reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe. Do not send your personal information such as account numbers, Social Security number, or passwords via email or text.  Do not respond to text messages requesting personal information. Be sure to delete frequently any text messages between you and a financial institution.
  4. Don’t download that file!  Opening files attached to emails can be dangerous especially when they are from someone you don’t know as they can allow harmful malware or viruses to be download onto your computer.  As an additional measure of protection, make sure you have a good antivirus program on your computer that is up to date.  On your mobile device, downloaded applications only from trusted sources.
  5. For mobile devices using the Android operating system. Do not enable Android’s “install from unknown sources” feature.
  6. Do not modify your mobile device. Modifying your mobile device may disable important security features.
  7. Links aren’t always what they seem.  Never log in from a link that is embedded in an email message.  Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, directly type the URL address and then log in.
  8. Websites aren’t always what they seem. Be aware that if you navigate to a website directly through a link, you may end up at a site that looks like the correct one, when in fact it is not. Take time to verify that the web page your are visiting matches exactly with the URL that you would expect.
  9. Log off from sites when you are finished. When you are ready to leave a site you have logged into, log off rather then just closing the page.
  10. Monitor account activity.  Monitor your account activity regularly either online or by reviewing your monthly statements, and reporting any unauthorized transactions right away.
  11. Secure your mobile device.  Keep your mobile devices with you or secure it when not in use.

Credit Union App is now Available for your Smart Phone

You may now use our new app to check your balances of your accounts. Search Google Play store or Apple ITunes for Charleston Postal FCU. The app looks like our new logo on our website.

Loan Requests

CHARLESTON POSTAL FEDERAL CREDIT UNION

LOAN REQUESTS:

 YOU CAN NOW COMPLETE A LOAN APPLICATION ON OUR WEBSITE.

COMPLETED AND SIGNED CREDIT UNION LOAN APPLICATION.

PLEASE ALLOW 1-3 DAYS FOR LOAN APPROVAL.

IF APPLYING FOR A PERSONAL LOAN PLEASE DETAIL THE PURPOSE OF THE LOAN.

CREDIT UNION EMPLOYEES MAY CALL TO VERIFY OR REQUEST MORE INFORMATION.

WE WILL DO OUR BEST TO HAVE YOUR LOAN READY IN A TIMELY MANNER IF APPROVED.

 

DISBURSMENT OF LOAN PRCEEDS:

MEMBERS MUST COME IN AND SIGN LOAN DOCUMENTS BEFORE ANY FUNDS WILL BE DISBURSED.

 

Reorder Personal Checks

Reorder Personal Checks

harland clarkTo Reorder Personal Checks and Accessories:

Visit http://www.ordermychecks.com

Order online:

  • See our full catalog
  • Quick and easy
  • Track order and shipment
  • Select Check Protect for secure and trackable delivery
  • Or call toll-free 1-877-585-8777
Alliance One Fee Free Atm’s

Alliance One Fee Free Atm’s

Experience the Power of Alliance One

Alliance one, a nationwide group of select-surcharge ATM’s, gives you the power to access your money on your own terms.

Using any one of the convenient ATM’s across the U.S. you can access your accounts without being charged a foreign ATM surcharge.

After all, shouldn’t the money be yours to keep?

Use the ATM locator to find an Alliance One ATM near you.

http://www.allianceone.coop

PRIVACY NOTICE

CHARLESTON POSTAL FEDERAL CREDIT UNION

PRIVACY NOTICE

 

Members can be confident your financial privacy is a priority.

This privacy notice will explain how we collect, use and safeguard your personal financial information. If you have any questions or would like a copy of our privacy notice mailed to you, please contact a credit union employee at 746-5111.

 

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide services to us, or additional financial products for you to consider.

 

* Our credit union will collect only the personal information that is necessary to conduct our business.  That means just what is necessary to provide competitive financial products and services – no more.

 

* Our credit union will protect your personal information. Our credit union will maintain strong security controls to ensure that member information in our files and computers are protected.   Where appropriate, we will use security code techniques to protect against unauthorized access to personal records, ensure accuracy and integrity of communications and transactions, and protect member confidentiality.

 

* You will always have access to your information. As a member of our credit union, you will always have the opportunity to review your information and make necessary changes to ensure that our records are complete and accurate.

 

* Our credit union will only share information when absolutely necessary. We will only share information to administer the products and services we provide, when required to do so by the government, or when we partner with other businesses to offer a broader array of products and services.

 

* Our credit will partner only with businesses that follow strict confidentiality requirements. The businesses we select will offer products designed to enhance our members’ economic well-being.  Under no circumstances will we authorize these firms to charge your account without your express consent, and we will not sell member information to telemarketing firms.

 

* Our credit union will offer you a choice in how your information is used. Any member of our credit union may elect to keep information from being shared with our business partners.  We will inform you on how to exercise your choice, and we will take all reasonable steps to make sure your requests are followed.  At least once a year, we will remind all members of your right to choose.

 

 

This notice is published in compliance with NCUA Regulations.

 

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