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Fraud Alert |
Substitute Check Policy Disclosure |
Win a Mouse!
Surcharge-Free ATMs |
Auto Loans!
Congressman Wamp |
Home Equity Loan
Change of Address
Important "Verified by VISA" Notice: Fraud Alert
It has come to our attention that a number of consumers, including credit union members, have received legitimate looking e-mails that advise cardholders that they automatically have been enrolled in Verified by Visa. Cardholders are then asked to visit a website where they should validate their account information and establish a password.
Please be aware that all communications of this kind are fraudulent. Cardholders
should not respond to any e-mail communications that are asking them to provide any personal or account information.
This kind of scam is known as “phishing.” It involves fraudsters who pretend to be legitimate financial institution advising consumers of a potential problem with their account. The cardholders are asked to update their personal information on a special website; the information is then captured by the perpetrators and used to commit fraud. The emails are sent randomly to a large number of consumers hoping that some of the recipients will have a relationship with the financial institution.
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Substitute Check Policy Disclosure
Important Information about Your Checking Account
What is a substitute check?...What are my rights regarding substitute
checks?...How do I make a claim for a refund?
For answers to these questions and more, read the
Substitute Check Policy Disclosure
Win a Mouse! Just in time
for the Holidays!
Want to know how?
Between now and November 30, 2004, our members will receive one ticket for every qualifying event on their account. See below:
- One ticket will be issued for every $100 that is deposited into a savings account, a money market account ($2,500 minimum deposit) or a certificate of deposit ($1,000 minimum deposit). Qualifying transactions must be made in person or by mail.
- One ticket will be issued for each new savings account, checking account, holiday club account, individual retirement account, or Visa card account that is opened.
- One ticket will be issued to each member who refers a family member or other eligible person to the Credit Union, which results in a new account.
- One ticket will be issued for a new payroll deduction or direct deposit into a savings or checking account.
The tickets will be included in a drawing to be held on December 1, 2004. Some restrictions and exclusions may apply.
(Did we mention the mouse comes with a keyboard,
a monitor, and a computer?)
ALLPOINT ADDS 6,000 ATMS TO NATIONAL SURCHARGE-FREE ATM NETWORK
Exclusive Alliance with NetBank Payment Systems Provides
Significant Boost in Number of ATMs in Key Markets
Allpoint™, America’s largest surcharge-free ATM network, announced today a deployer alliance with NetBank Payment Systems, a wholly owned subsidiary of NetBank, Inc. (NASDAQ; NTBK), that will contribute more than 6,000 new surcharge-free ATMs to Allpoint in key markets. This new alliance increases the total number of surcharge-free ATMs in Allpoint to over 32,000 nationwide.
“The NetBank Payment Systems’ alliance is a great example of how Allpoint is continually looking to add ATMs in key markets to meet the demands of our financial institution members and their cardholders,” said Ben Psillas, President of Allpoint. “NetBank Payment Systems’ portfolio of ATMs is a great complement strategically and geographically to our existing 25,000 surcharge-free ATMs. All 6,000 NetBank Payment System ATMs are located in retail locations, and the additional ATMs provide a significant boost in the number of surcharge-free ATMs in many key markets, including California, Illinois, Virginia and the entire Midwest and Southeast.”
Since launching the network in April 2003, Allpoint has grown its network of surcharge-free ATMs from 23,000 to now over 32,000. In addition to NetBank Payment Systems, Allpoint’s partners also include Cardtronics, the nation’s largest ATM deployer, and Fiserv, one of the largest EFT processors in the country.
“Cardholder convenience is the driving force for adding more surcharge-free ATMs to Allpoint,” says Psillas. “In fact, in a 2003 survey conducted by Visa, 92% of respondents said they view ATM access as the most important factor when choosing a bank. By offering their cardholders access to Allpoint’s national surcharge-free ATM network, financial institutions can more effectively attract and retain customers.”
NetBank Payment Systems and Allpoint have begun the process of integrating the 6,000 ATMs into the Allpoint network and expect to complete the process within the next 90 days.
About Allpoint:
Allpoint is America’s Largest Surcharge-Free ATM Network, now with more than 32,000 ATMs in leading national and regional merchant locations across the country. Allpoint provides greater access, convenience and savings to customers of financial institutions with limited ATM presence while providing the institution with the tools to compete more effectively for customers. Key network partners include proven industry leaders such as Cardtronics and Fiserv CNS/EFT.
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WOW!
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Take advantage of our low rates, like our most common rate of 4.25% APR* for 60 months on model years 2003, 2004, and 2005. And if you’re thinking about a 2002 model or older, with approved credit, you can still get an incredibly low rate of 4.39% APR* for 60 months. Your actual rate could be higher or lower depending on your credit.
Pre-qualify with InTrust Federal Credit Union today and take the guesswork and the financing hassle out of car shopping. With pre-qualification, you’ll know exactly how much you can spend, so that you can concentrate on finding the right car, and your financing is covered no matter which dealership you choose! With approved credit, we’ll finance 100% of the purchase price for 60 months.
As your Credit Union, we remind you to beware of the dealership’s 0% financing. Taking the dealer’s rebate and financing with us can save you money! See the chart below for details.
Plus, if you take the dealer’s rebate and finance with us, your payoff might be lower should you decide to sell your car or if an unfortunate incident, such as a wreck, forced you to accept the market value of your car.
And if you’ve already financed a car elsewhere, it’s not too late. Refinance your automobile loan with us, and you’ll be able to take advantage of the conveniences associated with your Credit Union, such as making loan payments through payroll deduction or Internet Banking.
Remember, through your membership, your parents, spouse, siblings, and children can join the Credit Union. We urge you to pre-qualify today!
Chattanooga, Tennessee:
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Main Branch:
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Main Branch:
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Blue Ridge Branch:
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Hamilton Village Branch:
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Toll Free:
Worcester, Massachusetts:
• Branch:
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*APR=Annual Percentage Rate. Subject to credit approval. Rate is subject to change without notice.
Do you know a good deal when you see one?
0% vs. $3,000 rebate
Would you get a better deal by buying a vehicle with a dealer’s 0% rate and no rebate or by taking a $3,000 rebate and financing a loan with InTrust Federal Credit Union at our low 4.25%* interest rate for 60 months?
The answer may surprise you.
And better yet—since taking the rebate decreases the purchase price of your vehicle, your payoff might be less should you decide to sell your car. Too bad all choices aren’t this easy, isn’t it?
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Dealer Offer
60 months |
CU Offer
60 months |
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Dealer Offer
60 months |
CU Offer
60 months |
Sale Price |
$15,000 |
$15,000 |
$20,000 |
$20,000 |
Rebate from Dealer |
0 |
$3,000 |
0 |
$3,000 |
Amount Financed
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$15,000 |
$12,000 |
$20,000 |
$17,000 |
Interest Rate |
0% |
4.25% |
0% |
4.25% |
Total Interest
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$1,342 |
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$1,901 |
Monthly Payments
| $250 |
$223 |
$333 |
$315 |
Total Payments
| $15,000 |
$13,342 |
$20,000 |
$18,901 |
Savings With Credit Union
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$1,658 |
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$1,099 |
Curious to know how much your payment would be? Use our InTrust
Financial Calculators to estimate your payment.
*APR = Annual Percentage Rate. Subject to credit approval. Rate shown is the most common rate and applies only to model years 2003, 2004, and 2005. Your actual rate could be lower or higher depending on your credit. Rate is subject to change without notice.
Congressman Wamp visits Chattanooga Credit Unions
Credit Unions in the Chattanooga area had the honor of meeting with a long-time credit union friend and supporter Congressman Zach Wamp. Pictured above with Congressman Wamp is Fred L Newton, Sr, CEO/President of InTrust Federal Credit Union,
formerly UnumProvident Federal Credit Union, and Operations Manager Tony Gervolino.
Home Equity Line of Credit*
Whether you need extra funds for home improvements, debt consolidation, education expenses, or the vacation of a lifetime, our newest product, a Home Equity Line of Credit, can help put your home's equity to work for you.
Our Home Equity Line of Credit, which is available on a single-family, owner-occupied primary residence, is a variable rate product that offers you flexibility at competitive rates. Once your credit line has been approved, you can purchase major items or pay expenses by simply writing a check on your Home Equity Line of Credit account.
Not only is it convenient, but also your interest may be tax deductible. (Consult your tax advisor regarding the deductibility of interest.)
What can a Home Equity Line of Credit do for you? The answer is limited only by your imagination! Call or visit one of our offices today for details.
- UnumProvident Branch
- Branch Office
- East Brainerd Office
- Blue Ridge Office
* Subject to credit approval. A Home Equity Line of Credit is not available in all states.
Change of Address
Although InTrust Federal Credit Union is an employee benefit, it is a separate organization from your employer.
Submitting a change of address to your employer’s personnel office will not change your address information at the credit union.
Therefore, members need to notify the credit union directly when they have a change of address.
To ensure that statements and other credit union information, such as credit or debit cards, are mailed to the correct address, please notify us immediately of all address changes.
Thank you.
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