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Member wins $500 in auto loan transfer drawing

Posted 2 months ago

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Congratulations to Elizabeth, a member who won $500 in Community First Credit Union's Auto Loan Transfer Drawing. Community First also donated an additional $500 to Elizabeth's local charity of choice, Habitat for Humanity.

Elizabeth transferred her auto loan from another lender and got a lower rate at Community First, which will save her a lot of money over the life of the loan.

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We can help finance your education with affordable college loans

Posted 2 months ago

Community First can help you finance college or other education.

In partnership with Sallie Mae, we offer the The Smart Option Student Loan to members. This loan features three repayment options, competitive interest rates, and no origination fees.

Read More

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We have expanded our hours to serve you better

Posted 4 months ago

As of Monday, April 3, Community First has expanded our hours to serve you better. Both office and drive-up hours will change to the following:

Monday, Tuesday, Wednesday: 8:30 a.m. - 5:00 p.m.

Thursday: 9:00 a.m. - 6:00 p.m.

Friday: 8:30 a.m. - 5:30 p.m.

Please note these new hours. We look forward to seeing you!

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Monitor your debit and credit cards with the CardValet App

Posted 5 months ago

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Take control of your Debit Card with the CardValet App. Our new CardValet app lets you control your debit card, save time and gain peace of mind knowing you can control your card with the phone in your pocket.

CardValet lets you:

• Turn your debit card on and off.

• Establish transaction controls for dollar amount limits, merchant categories and geographic locations.

• Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you.

• Stay informed of potential fraud with alerts on attempted, declined transactions.

• Get real-time balances for your accounts.

Get Started Today! Download the CardValet app for your Apple iOS or Google Android device or search for CardValet on your device's app store.

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Community First Credit Union donates $1,500 to local food pantries

Posted 1 year ago

Community First Credit Union staff and members donated $1,500 to local food pantries this month to help hungry neighbors in our Ashtabula County community.

CFCU donated $500 to the Messiah Lutheran Food Pantry. Members bought chocolate bars from our staff to raise the funds as part of a Northeast Credit Union Outreach Alliance program. On behalf of our members, we thank our friends at the Food Pantry for their work and are happy to be able to help!

We are still selling chocolate bars to raise more money, so stop in and help your community (and your taste buds)!

Our staff this week donated $500 to the Conneaut Food Pantry and $500 to the St. Joseph Food Pantry in Ashtabula to help our community during the holidays. Community First staff members donate money each Friday to wear jeans and give back to the wonderful people of Ashtabula County. We are disbursing the year's funds to several area organizations this month.

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You can use No-Fee ATMs all over town!

Posted 10 months ago

Withdrawing money from an ATM can be expensive. Surcharges and fees can cost as much as $3.50 per transaction.

As a member of Community First Credit Union, you can withdraw cash at dozens of surcharge-free ATMs in and around Ashtabula County. And you have access to thousands more surcharge-free ATMs when you travel across Ohio and the United States.

If you use ATMs frequently, you could save a lot of money with your Community First ATM/Debit Card!

Locally, you can find surcharge-free ATMs at Sheetz Convenience Stores, CVS Pharmacies, Grumpy Grandpas Git & Go Convenience Stores, Wal-Mart, and many local financial institutions. You can look for ATMs displaying logos for Alliance One, CU24 ATM, AllPoint, and MoneyPass networks on any ATM. You can also find locations online on our ATM map.

See all the No-Fee ATM locations in Ashtabula County.

If you prefer smartphone apps, you can download ATM locator apps for CU24 and Alliance One and have thousands of locations at your fingertips.

You have access to two nationwide networks of surcharge-free ATMs. That means you can find thousands of ATMs in town, near your workplace, or while traveling.

Read more and download the ATM locator apps.

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Consumer Reports gives credit unions highest marks ever awarded to an industry

Posted 1 year ago

We are proud to note that America's credit unions received among the highest marks for service that Consumer Reports has ever given to an industry in the magazine’s recent financial services series “Bank & Credit Union Buying Guide.”

The magazine recommends consumers use their local credit unions for auto loans, checking, savings and many other financial services.

“Credit unions are among the highest-rated services we’ve ever evaluated, with 93% of their customers highly satisfied, on average, vs. 69% for the four biggest national banks,” said Jeff Blyskal of Consumer Reports. “That satisfaction is driven by good customer service, not surprising when you consider that credit unions are owned and managed by their members."

Consumer Reports was clear in recommending credit unions for your next auto loan: "Choose a credit union for a car loan, because those institutions often offer the lowest rates--another good reason to join one. Get prequalified before you shop."

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Telephone Scam Alert for Ashtabula County area

Posted 1 year ago

Please be aware of a telephone scam that has been reported in the Ashtabula County area. An automated message from Holbrook, AZ, threatens U.S. Treasury enforcement action for a federal criminal offense. The caller has an East Indian accent and identifies himself as "Steve Martin". The caller provides a callback number of 928-297-0111.

We recommend that you ignore this message and remind you to verify all calls and emails you receive before returning them. NEVER provide personal financial information to ANYONE unless you phoned them directly using a verified official number or typed in a verified official website address.

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Beware of fraudulent texts & emails claiming to be from the National Credit Union Administration

Posted 2 years ago

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More than 40 consumers around the country have received a scam phone text message purporting to use a National Credit Union Administration phone number, the agency announced Wednesday.

Consumers who receive a text from 703-518-6301 asking for personal information should contact the agency's Consumer Assistance Center hotline at 800-755-1030.

The NCUA's privacy policy states that it will never request personal or financial information from consumers.

According to the NCUA, the perpetrators are able to mimic a telephone number to generate text messages. The messages may warn of a debit card reaching its limit or use some other trick to persuade individuals to provide personal information or go to a malicious website.

Consumers should not click on links in the message, provide information to any websites referenced in the message nor attempt to conduct any financial transactions through those websites.

This attempted fraud scam is classified as "spoofing" by the Federal Communications Commission.

Comsumers should also be aware of scammers using a website with a logo and design similar to that of the National Credit Union Administration are attempting to convince consumers to provide sensitive information or send money.

According to the NCUA, consumers have received emails from the National Credit Union website, which is not affiliated in any way with the NCUA, a federal agency, and the emails are not from the agency.

The site apparently originates in Australia, the NCUA said in its warning, and claims to offer services in the United States, Europe and the Commonwealth of Independent States. The emails attempt to persuade individuals to provide personal information, such as Social Security numbers, account numbers and login information, or transfer large amounts of money.

The NCUA warns that consumers should not should neither provide information to this website nor attempt to conduct any financial transactions through it. The NCUA would not request personal or financial information in this manner.

Consumers receiving such emails should call NCUA's Fraud Hotline at 800-827-9650 and should also contact the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center. The NCUA also offers information about avoiding frauds and scams.

Consumers who suspect they may have become victims of identity theft should immediately contact their financial institutions and, if necessary, close existing accounts and open new ones.

NCUA urges consumers also contact the three major credit bureaus -- Equifax (800-525-6285), Experian (888-397-3742) and TransUnion (800-680-7289) -- to request a fraud alert be placed on their credit reports.

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Community First CU is working to protect members from security breaches at retailers

Posted 2 years ago

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You may have read or heard news stories about recent data breaches at major retailers. In these data breaches, computer hackers steal customer's credit card numbers and other information from the retailers.

Our members' personal financial information is extremely important to us.

We monitor these breaches carefully, and we need to block and re-issue your debit and/or credit cards to protect your account and prevent illegal unauthorized activity. We will notify you as quickly as possible if this occurs. We understand that this is inconvenient for you, but it is necessary to protect your data and your financial information.

There are several steps you can take to help protect your data:

1. Monitor your debit card and credit card statements carefully for unauthorized charges. Report unauthorized charges or activity immediately.

2. Change your online passwords regularly, use passwords that use combinations of at least 12 uppercase and lowercase letters, numerals, and symbols. Do not use the same password or PINs for multiple sites/accounts.

Help us take action to stop data breaches at retailers

You can help us change the way retailers handle your card data. Retailers are not subject to the same federal data protection standards as financial institutions, such as Community First Credit Union. This means it’s easier for hackers to gain access to your credit card number, debit pin number, or other personal data through a retailer.

Although you may have only heard about a few breaches, over 500 data security breaches have occurred so far in 2014 exposing over 75 million data records.

What makes the situation worse is that the retailers pay NONE of the cost for their ineffective security measures. Community First Credit Union is left to clean up their mess by informing our members and reissuing or blocking your credit and debit cards.

If fraud does occur, we work with our members to remove the fraudulent charges. However, the card issuer is held responsible for almost all fraudulent charges. That means that Community First Credit Union must absorb the fraudulent charges.

Why don’t the retailers work harder to protect your data? Under current federal law, retailers pay NOTHING when they lose someone’s personal information, so they have no reason to improve their data protection standards.

Please help us tell Congress we need to stop the data breaches and bring the merchants up to the same data protection standards.

Visit http://www.stopthedatabreaches.com/ to send an email to your Senator or Representative. Ask them to “Stop the Data Breaches: by holding retailers responsible.

Please contact us for more information about this issue.

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Community First Credit Union serves everyone in Ashtabula County

Posted 2 years ago

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Membership in Community First Credit Union is open to anyone who lives, works, worships or attends school in Ashtabula County. Families of members can also join. Just stop by our office and make a minimum deposit to open your savings account, and you can be a member/owner, too!

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