TCU membership comes with an array of products, services and features that allow you to grow and manage your personal finances online, on-the-go or in a branch. It's everything you want from your financial partner.
Travis Credit Union's easy-to-use, secure Online Banking service allows you to manage your accounts, anytime, from any computer with Internet access. With Online Banking, you can view account balances, pay your bills,* review transaction history, transfer funds, view cleared checks, sign up for (and view) E-statements, reorder checks and much more. You can also e-mail us questions about account activity (or managing your finances) using Secure Messaging — it's the secure, private way to get the answers you need.
We've recently upgraded our Online Banking system with great new features (but it's still point-and-click easy).
Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information. Safeguarding your account information is at the forefront of everything we do. We've added "Two-Factor Authentication" and other security upgrades as extra layers of protection to your account (above and beyond requiring a conventional password). Features such as photo selection, computer ID verification, and personalized "challenge" questions, allow you to customize your log-in, providing you with a higher level of online security.
*Bill Pay service is free with every TCU checking account.
Bill Pay is an easy-to-use feature of TCU's Online Banking service that lets you pay bills online, anytime, from any computer with Internet access. There are no checks to write, no stamps to buy; and best of all it's free with every TCU checking account. And, since it eliminates most of the paper associated with paying bills, it's environmentally friendly.
With free Bill Pay, you can schedule payments in advance, set up recurring payments, receive bills electronically and review your payment history - instantly. To view interactive demos describing all of the benefits of Bill Pay and Online Banking please click here.
Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information when you use our Online Banking services.
It's easy. To use Bill Pay, you must first enroll in Online Banking, click here if you're a "New User."
Once you are enrolled in Online Banking, just click the "Pay Bills" link near the top of the screen for easy-to-follow instructions. That's it.
Running out of your Travis Credit Union checks? It's easy to reorder online within our secure Online Banking system. If you're not enrolled in Online Banking, click here if you're a "New User." It's easy.
Once you're logged-in to Online Banking, just click the Re-order Check link near the center of the page.
If you need assistance with your check order, please call our Member Service Center at (800) 877-8328 Monday through Saturday during regular working hours.
E-statements are electronic versions of your statements that you view online instead of receiving paper statements. E-statements are a feature of Travis Credit Union’s easy-to-use Online Banking service.
When you sign up for E-statements, you’ll receive regular e-mails notifying you when your E-statements are available. Just login to Online Banking to view and print 15 months of your Travis Credit Union statements.
As with all of our online services, Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information. A valid e-mail address is required otherwise the system automatically unsubscribes you from E-statements.
To receive E-statements, you must first enroll in Online Banking. Click here if you're a "New User."
The one-time enrollment process takes just a few minutes.
Once you are enrolled in Online Banking, just login to your account and click the “E-statements” link in the top menu for easy-to-follow instructions. That’s it.
The fast and convenient way to transfer funds between your TCU accounts, and accounts outside of the credit union Money Mover is part of the Transfer Funds feature of Travis Credit Union’s easy-to-use Online Banking service. Money Mover lets members transfer funds anytime (from any computer with Internet access) to and from their TCU savings and checking accounts to accounts outside the credit union.
This postage-free, time-saving service puts you in control of your money. You can use Money Mover with any deposit account at a financial institution that has an ABA (American Banking Association) routing number. Best of all, there’s no fee to transfer funds into your TCU account from another institution. A $1.00 fee per transaction applies when transferring funds from your TCU account to another financial institution.
Money Mover allows you to make both one-time transfers or recurring transfers in fixed or variable amounts, with a transfer limit of up to $1,000 per transaction, up to three times per weekday. There is no limit to the number of accounts you can activate for transferring funds.
It’s easy. To use the Money Mover feature, you must be enrolled in Online Banking. Click here if you're a "New User."
Once you are enrolled in Online Banking, just click the “Transfer Funds” link near the top of the screen, then click the “Money Mover” link on the left side of the page for easy-to-follow instructions. That’s all there is to it.
The one-time enrollment process takes just a few minutes. (Note: it may take 2-5 days to verify and activate your accounts with this feature once you are signed up.
View and print cleared checks online 24/7To make it easier for you to manage your money, we've added an Online Check Imaging feature to Online Banking. To use this feature you must have a TCU checking account and be enrolled in Online Banking, (click here if you're a "New User"). The one-time enrollment process takes just a few minutes.
How to access Online Check ImagingLogin to Online Banking then click the link for your checking account on the "Accounts Summary" page. A list of transactions for your checking account will be displayed. To view or print a cleared check, just click the check icon in the 'Check Number' column.
As with all of our online services, Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information.
Our Online Loan Application lets you apply for an auto loan (new or used), auto refinance, credit card, motorcycle, boat, R.V., personal loan, Ready Reserve Line-of-credit or a computer loan online, anytime.
Travis Credit Union employs state-of-the-art encryption technology and other techniques to protect your personal financial information when you use our Online Banking services. The process is simple, easy and fast. Gather the information listed below and fill out the online application. Depending on the type of loan you are applying for it can take anywhere between 5-15 minutes.
**Reminder: All your data will be lost if you leave the loan application process before submitting your data.**
"My Offers" Pre-qualified LoansFind out if you are pre-qualified...online, or by phone
Just login to Online Banking and click "My Offers" in the top menu. If you're not enrolled in Online Banking, click here if you're a "New User." The one-time enrollment process takes just a few minutes.
Or, if you prefer, just call us Monday through Saturday during regular business hours at (800) 877-8328; we'll be happy to assist you.
Contact us securely - with confidenceWe've included a secure messaging feature within Online Banking to make it easier for you to communicate with us. And because it's a secure connection, your personal information is protected. To access this feature you must be enrolled in Online Banking, click here if you're a "New User." The one-time enrollment process is easy and takes just a few minutes.
How to contact TCU via Secure MessagingIt's easy. Just login to Online Banking and click the "Messages" tab near the top of the page, then click the "Compose New" button. Just type your message and click "send." That's it. We'll respond to your inquiry as soon as possible with answers to any of your questions.
When you need to make a loan payment fastSpeedPay allows you to make your TCU loan payment from any checking account! Enjoy the convenience of SpeedPay for a small fee of $10, to make sure your loan is paid quickly. Simply call (866) 731-1347 to make your payment from any financial institution checking account, or you may access this service online by clicking the button below.
If you prefer, you can call (800) 877-8328 and one of our representatives will be happy to assist you in processing your payment over the telephone for a $12.00 fee.
Enjoy the convenience of online transfers 24/7We’ve made it easy for you to transfer funds within your TCU accounts. Just login to Online Banking and click the “Transfer Funds” tab at the top of the page.
Online funds transfers make managing your money easier. You can set up a recurring transfer, view (or edit) pending transfers, review past transfer activity easily online 24/7, at your convenience. If you need to transfer funds to accounts outside of Travis Credit Union, use Money Mover, another time-saving Funds Transfer capability you get free with Online Banking. Money Mover is located in the "Transfer Funds" tab of Online Banking.
We also offer cross account transfers between your separate account numbers. A separate cross account transfer agreement is required to enable this feature. You can visit a branch and speak with a friendly member service representative to sign up for this convenient feature.
How to access Transfer FundsIt’s easy. To use the Funds Transfer feature, you must first enroll in Online Banking. Click here if you're a "New User." The one-time enrollment process takes just a few minutes.
Once you are enrolled in Online Banking, just click the “Funds Transfer” link near the top of the screen for easy-to-follow instructions. That’s it.
Download the free Travis Credit Union mobile banking app on your smartphone or mobile device today and easily access your accounts anywhere, anytime.
Get the free mobile app for Android™Click the Google Play™ icon below to download our mobile banking app.
Get the free mobile app for iPhone®Click the App StoreSM icon below to download our mobile banking app.
Apple, the Apple logo, iPhone, iPod touch, and iTunes are trademarks of Apple Inc., registered in the U.S. and other countries. iPad is a trademark of Apple Inc. App Store is a service mark of Apple Inc. Google and the Google Logo are registered trademarks of; Android, Android Market and Google Play are trademarks of Google Inc. Popmoney is a registered trademark of CheckFreePay, a subsidiary of Fiserv, Inc.Leaving Site: You are about to leave Travis Credit Union's Web site and link to an alternate, third-party Web site not operated by Travis Credit Union. Please be advised that Travis Credit Union does not guarantee the products, information or recommendations at linked sites and is not liable for failure of products or services advertised on them. Travis Credit Union does not represent third-parties or the member if they enter into a joint transaction, nor does the credit union guarantee the privacy and security of your information once you access a third-party site, as their privacy and security policies may differ from those practiced by Travis Credit Union.
Makes your life easier. TCU Mobile Banking makes your life easier by providing you with access to your accounts anytime from your mobile device, and by helping you find conveniently-located ATMs and TCU branch locations. Best of all, TCU Mobile Banking is free, secure, and easy-to-use.
You can now find the closest free CO-OP Network® ATMs – anytime – from your wireless mobile device.
Just text your location – address, intersection or zip code – to 692667 (MYCOOP) from any mobile phone, and you'll receive a text listing the two closest CO-OP ATMs locations.
You can also download the complete database of more than 30,000 free CO-OP Network ATMs directly to your Garmin®, Tom-Tom® or other GPS device using the link below.
These great free services makes it quick and easy to locate all 30,000 free CO-OP Network ATMs.
Like CO-OP Network ATMs, 692667 (MYCOOP) is a free service, however, standard text messaging charges from your service provider may apply. And don't worry, you won't receive any unsolicited messages by using 692667 (MYCOOP).
Click here to visit the CO-OP Network Web site for complete details about both of these convenient services.
Please view the Disclosures & Agreements for terms, conditions and details about TCU products and services, including electronic services.
You can now access your checking and savings account information via text messaging.It's easy. Just dial the access number from your registered mobile device and enter your secret PIN. That's it
Your text message will usually arrive in seconds, but messages may take up to 30 minutes depending upon your service provider (some providers process their text messages twice per hour).
Charges for text messages from your service provider may apply. Because some providers charge by the letter to deliver text messages, we have provided three message types in varying sizes:
If you have any questions, please contact our Member Service Center. Please click the Disclosures & Agreements link below for terms, conditions and details about this and other TCU products and services.
Our ATM card allows account access through any ATM or point-of-sale (POS) device. Use your Personal Identification Number (PIN) and the card for cash withdrawals, to transfer funds among credit union accounts, for balance inquiries and to review your deposit history.
You can access your accounts free at 30,000 ATMs nationwide
Call-24 Phone Banking is a free, easy and convenient way to access your accounts 24 hours, 7 days a week and is available from your home, office or while you’re traveling.
You can begin using the service when you call a member service representative to request a Call-24 Personal Identification Number (PIN). Then, all you need is a touch-tone phone to transfer funds among your credit union accounts, make loan payments, verify balances or review recent deposits or account history.
When you call our Call-24 Phone Banking system, you’ll be asked to enter your account number and PIN on the telephone keypad. Then, simply listen for your desired menu option and follow the voice commands. It’s that easy!
What’s more, the Call-24 Phone Banking system uses voice recognition throughout the menu options. If you know what you need, you can bypass the automated menu and simply state your request, and that option will begin.
Save time: re-order online or by phone - it's your choice.Running out of your Travis Credit Union checks? It's easy to reorder online within our secure Online Banking system. If you're not enrolled in Online Banking, click here if you're a "New User." It's easy.
Once you're logged-in to Online Banking, just click the Re-order Check link near the center of the page.
Sign up for automatic direct deposit and Travis Credit Union will credit your account a day early:
To enroll in Travis Credit Union's Direct Deposit program through your employer, please download this form (PDF) and return it to your payroll office.
To sign up for recurring deposit of your Social Security payment, call the Social Security Administration at (800) SSA-1213. Or, click here to visit Go Direct to sign up online for direct deposit of Social Security, Supplemental Security Income (SSI), VA Compensation and Pension, and other federal benefit payments.
For more information about Travis Credit Union's Direct Deposit or Payroll Deduction program, visit any branch, or call (707) 449-4000 or (800) 877-8328.
For your reference, our routing number is 321170839
For military deposits, visit the Defense Finance and Accounting Web site and click on myPay and log in with your Social Security Number. If you need a Personal Identification Number (PIN) to finish logging in, click on the New PIN button to get a code for completing the Direct Deposit instructions.
* Subject to receipt from originator and other terms and conditions.
To provide extra convenience to our members, we offer American Express Traveler Cheques® at our full-service branches for a small fee.
When traveling, American Express Traveler Cheques provide another level of security if you happen to lose your purse or wallet. You can have your lost cheques reissued by reporting the loss to an 800-number, where you’ll be directed to the nearest American Express representative. These cheques can be purchased in various denominations and with single- or double-signature authority.
Sometimes you just can’t decide on the perfect gift. That’s why we offer prepaid VISA Gift Cards at our full-service branches for a small fee.
Our prepaid VISA Gift Cards are sold in denominations from $10 to $500. These gift cards can be used for many of the same types of purchases and transactions where you’d use a credit card. Gift cards will be activated within 24 hours of purchase at any TCU branch and gift card recipients can personalize their gift card information online.
To provide extra convenience to our members, we offer American Express Gift Cheques at our full-service branches for a small fee.
When you want to acknowledge a special occasion with a cash gift, an American Express Gift Cheque is the ideal solution. These cheques can be used as cash almost anywhere, and are registered at the time of purchase for additional security. Cheques are available in $25, $50 and $100 denominations.
To provide extra convenience to our members, we offer Teller Checks at our full-service branches for a modest fee.
When you need to ensure payment through a financial institution, a Travis Credit Union Teller Check may be the perfect solution. Teller Checks may be used for large purchases, such as vehicles, down payments and personal investments. They are sometimes preferred as payment for purchases across state lines when personal identification is harder to verify.
Notary Public services are available to validate identity and second-party witnessing on legal papers and documents. Notary service on Travis Credit Union documents are free; there is a small fee for each notarized signature on non-TCU documents. Please visit one of our full-service branches for assistance.
You can request a stop payment on a personal check by calling our Member Service Center at (707) 449-4000 or (800) 877-8328 or visit a Travis Credit Union branch.
You will need to provide the following information: check number, date written, exact amount and payee. If the amount and check number are not accurate, the check may be paid. A stop payment cannot be placed on an item that has already been presented.
Stop payment orders expire after one year and a fee usually applies. For more information, please refer to the TCU Checking Account Disclosure by clicking the Disclosures and Agreements.
When you need to provide immediate funds to an individual in another part of the country or the world, use our Western Union wire transfer service. Please visit one of our branches for assistance.
For valuables you’d rather not keep at home, we offer safe deposit boxes in various sizes at the following branch locations:
Please visit one of the branches listed above for safe deposit box availability and pricing details; there is an annual fee for this service, based on the size of the box.
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Most people have troubles accessing Bill Pay because of "extra" software added to your browser. Well intentioned software that is designed to protect you can also stop processes from trusted companies too. Its doesn't know the difference so they block them all, just in case. They leave it to the consumer to decide what they will allow and what they won't.
These software packages need to be configured to allow the three web site addresses listed below.
We do not recommend you remove your adware or security software or turn it off as this will not resolve the problem and will leave your computer open to malicious viruses, including Trojans, key-loggers and e-mail viruses.
DO NOT PERMANENTLY TURN OFF ANY PROTECTION SOFTWARE ON YOUR COMPUTER!
To see if a particular piece of software is the problem, you may temporarily disable a program and test your computer. Once you have determined the source of the problem, you should enable your security software for your protection. If you find that a piece of security software is preventing your from working with Travis Credit Union please contact the vendor of the software for a way to work around this problem.
These website addresses that need to be added to the "allow" lists/areas or "white" lists in these types of products are as follows: (Please note these are "Secure" sites, indicated by the S after HTTP)
Travis Credit Union's number one concern is the security of our members and the information. That is why we have taken steps to insure your information is kept private and secure.
When you are in a secure area, at the bottom of your browser you will find a lock similar to this one pictured here.
What is Travis Credit Union doing to protect me and my information?Travis Credit Union has always kept their members information private from day one. Even before the Internet our normal day to day practice is to protect our members and there information at all cost.
Our proactive nature to security concerns have kept us on the forefront of security in the credit union industry. We strive to set the security standard that our credit union industry is held to by constantly auditing ourselves and systems to make sure they provide the same trustworthy service our members have come to rely on.
The Secure Sockets Layer (SSL) protocol has become the universal standard on the Web for authenticating sites and for encrypting communications between users and Web servers. Because SSL is built into all major browsers and Web servers, simply installing a digital certificate or Server ID enables SSL capabilities.
SSL server authentication allows users to confirm a Web server's identity. SSL-enabled client software, such as a Web browser, can automatically check that a server's certificate and public ID are valid and have been issued by a certificate authority (CA) — such as Thawte — listed in the client software's list of trusted CAs. SSL server authentication is vital for secure e-commerce transactions in which users, for example, are sending credit card numbers over the Web and first want to verify the receiving server's identity.
An encrypted SSL connection requires all information sent between a client and a server to be encrypted by the sending software and decrypted by the receiving software, protecting private information from interception over the Internet. In addition, all data sent over an encrypted SSL connection is protected with a mechanism for detecting tampering — that is, for automatically determining whether the data has been altered in transit. This means that users can confidently send private data, such as credit card numbers, to a Web site, trusting that SSL keeps it private and confidential.
SSL enable visitors to verify your site's authenticity and to communicate with it securely via state-of-the-art SSL encryption, which protects confidential information from interception and hacking. Our Extended SSL 256-bit, which refers to the length of the "session key" generated by every encrypted transaction. The longer the key, the more difficult it is to break the encryption code. Microsoft , Netscape, AOL, Mozilla Firefox and others offer browsers that enable different levels of encryption depending on the type of Server ID with which the browser is communicating.
What does this mean to me?This means your data is secure from prying eyes. You can also verify your security level in your browsers Help/About section in the drop-down menu's
To use Travis Credit Union Online Banking, members must have Internet access and should use one of the approved Web browsers. All of the recommended browsers have been tested and have an encryption level of at least 128-bit. Other browser versions may function correctly but may not be sufficiently secure so are not recommended.
It no longer works "automatically" with our Online Banking product due to the higher security method currently in place. You can still export your account history money file and import it into your Microsoft Money program regardless of what version you have.
Inside Online Banking select the account you want to export the history from. From the menu on the left of your browser window choose "Export Account Information" choose "Money using Active Statements (OFX)" which you can then download and save to your computer to be imported into Money. With Money 2007 installed it will prompt you to start Money once you click the Export Button inside Online Banking making your export easier.
Adjustable Rate Mortgage Calculator – This calculator helps you to determine what your adjustable mortgage payments will be.
Bi-weekly Payment Calculator – Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
Mortgage Comparison: 15 years vs. 30 years – Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
Mortgage Loan Calculator – Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Qualifier – Can you buy your dream home? Find out just how much you can afford!
Refinance Interest Savings – Use this calculator to see how much interest you can save by refinancing your mortgage!
Amortizing Loan Calculator – Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Debt Consolidation Calculator – Should you consolidate your debt? Use this calculator to find out.
Loan Comparison Calculator – Use this calculator to sort through the monthly payment, fees and other costs associated with comparison loan options.
Savvy Money – Free service will provide a simple financial analysis, including debt to income ratios, debt payment schedules, and suggested personal finance strategies.
Credit Card Pay off – Use this calculator to see what it will take to pay off your credit card balance, and what you can change to meet your repayment goals.
Personal Debt Consolidation – Should you consolidate your debt? This calculator is designed to help determine if debt consolidation is right for you.
Auto Loan Early Payoff – Find out how much interest you can save by increasing your monthly auto loan payment.
Auto Loans – Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Auto Rebate vs. Low Interest Financing – Use this calculator to help you determine whether you should take advantage of low interest financing or a manufacturer rebate.
Home Equity vs. Auto loan – Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Lease vs. Buy – Should you lease your next automobile or finance it? Find out with this calculator!
72(t) Calculator – Determine your allowable 72(t)/(q) Distribution and how it maybe able to help fund your early retirement.
Required Minimum Distribution (RMD) – Determine how much you are required to withdraw is an important issue in retirement planning.
Required Minimum Distribution (RMD) for Current Year
Retirement Income – Determine how much monthly income your retirement savings may provide in your retirement.
Roth IRA Calculator – Use this calculator to compare the Roth IRA to an ordinary taxable investment.
Roth IRA Conversion – This calculator will show the advantage, if any, of converting your IRA to a Roth.
Roth vs. Traditional IRA – Use this calculator to determine which IRA may be right for you.
Social Security Benefits – Use this calculator to estimate your Social Security benefits.
College Savings – Use this calculator to help develop or fine tune your education savings plan.
Savings Calculator – Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth.
Basic Calculator – This works just like a pocket calculator.
Home Budget Analysis – Analyze your budget, see where your money goes and find out where you can improve!.
Student Budget – This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.
We provide all of our checking account holders with a FREE, comprehensive, Identity Theft Assistance service that provides support during the fraud resolution process including:
Your privacy is important to usTravis Credit Union is committed to protecting your personal and financial information, which has been entrusted to us. We recognize that you expect the highest level of privacy and confidentiality.
E-mail communicationsYour e-mail address will be kept confidential at all times.
If you are sending an e-mail to Travis Credit Union, we want to remind you that e-mail is not necessarily secure against interception. If your information is very sensitive, or includes personal or confidential information, such as your account number, credit card number, or social security number, you (can or are able to) login to home banking and send a secure message to one of our member representatives or call us at (707) 449-4000 or (800) 877-8328. As we are equally concerned, we will not transmit sensitive or personal information that can compromise or violate your privacy when communicating via e-mail.
Personal or financial information transmitted to Travis Credit Union by e-mail may be used by our staff to respond to inquiries for service or information or improve the service we offer.
Browsing our Web siteAll web servers record information, but contain no personally identifiable information other than the IP address of the machine used to access the site. We retain and analyze this information to improve the usability of the site.
What is a Cookie?A cookie is a piece of data that a website can send to your browser and can only be read by the server that gave it to you. You can visit our site anonymously and access product information without revealing your identity. In order to improve our site, we use "cookies" to track your visit. It cannot be executed as code or deliver viruses.
Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (For some Web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.)
Cookies also ease navigation and help users move from screen to screen in an efficient manner. These cookies simply carry forward information that you submitted on one screen to the next screen, eliminating the need for re-entry.
Cookies cannot be used to capture a user's e-mail address, obtain data from the user's hard drive or gain confidential or sensitive information about the user.
Site securityOne of the basic tools used to ensure Internet security is encryption. Encryption is used any time personnel information is exchanged. Encryption works much the same as a combination lock. Travis Credit Union uses many security controls to ensure that your information in our files and computers is protected from unauthorized access. All of our systems are secured with multiple layers of encryption, firewalls, redundant screening, and filtering routers.
It is equally important to verify that only authorized users log into our Home Banking system. We use password verification to ensure user authorization. For added security, if a password is entered incorrectly three times, access will be denied. Protect your password as you would your account. Use a unique password that is known only by you. Never share your password with anyone. Should you ever receive a request to reveal your password, contact us as soon as possible at the telephone numbers listed at the end of this notice.
For further security, our online server is not directly connected to the Internet. This, plus the other security measures already listed, block unauthorized access to credit union and member records.
Linked sitesFrom our website you may be able to access a variety of sites maintained by third parties. These sites are managed by organizations that may or may not have a business relationship with the credit union. Please note that Travis Credit Union is not responsible for the content or privacy practices of any site to which our site may link.
What does Travis Credit Union (TCU) do with your personal information?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
This credit union is federally insured by the National Credit Union Administration.