October Newsletter

Join us for International Credit Union Day

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On October 19th, 2017, credit union members around the world will celebrate International Credit Union Day®, an annual event to commemorate the credit union movement's impact and achievements. In honor of this special day, First Community Credit Union invites its members and the entire community to an open house at each of our branch locations. We will have giveaways, door prizes, and refreshments.

Since 1948, International Credit Union Day has been celebrated annually on the third Thursday of October. This year's theme, "Dreams Thrive Here", embraces the long-standing credit union philosophy.

FCCU will be helping to make miracles happen on International Credit Union Day by participating in Shop for Miracles. By using your credit union debit or credit card on October 19th, you can support the local Children's Miracle Network Hospital, Sanford in Fargo. We'll be donating up to $1,000 as a result. Like all Children's Miracle Network Hospitals' donations, funds raised locally will stay in the community to support the hospital's greatest needs, including life-saving research, treatments, equipment or charitable care.

On October 19th, credit unions from around the world will join forces to celebrate the day with you through membership drives, contests, and fundraisers to help out their local communities. We hope you can join First Community as we celebrate International Credit Union Day!

For more information about FCCU events, stop by your local branch and we hope to see you at the open house on October 19th.


FCCU Wraps up Quarter 3 Charity

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FCCU recently held fundraisers in support of our third quarter charity, local food pantries. We're proud to share that we collected nearly 1,000 items and rose $3,500 for 10 area food pantries. Items donated ranged from macaroni and cheese to fruit cups and granola bars, even a few juice boxes were found. All of these items are made for easy use, which helps children and families that can use some assistance.

FCCU wanted to raise money in a unique way that tied nicely with the theme of food; so we created "The Community Cookbook" to raise additional funds for the local pantries. With help from FCCU members from across all our branches, the cookbook was packed with delicious recipes. It's not too late to get yours! Just stop by the branch to check out this 300+ page cookbook for only $10. All proceeds go to support your local food pantries.

A sincere thank you to everyone who brought items and supported this cause. Not only were we able to help stock the shelves at local food pantries, but we also had fun while doing so. We thank you for your continued support of these worthy organizations.


FCCU Headquarters Holds Grand Opening

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We recently celebrated our grand opening for the newly expanded Headquarters, located in Jamestown. The event was hosted alongside with the Jamestown Area Chamber of Commerce. Approximately 100 professionals, including FCCU employees, chamber members and general public gathered for the event. A ribbon cutting ceremony kicked of the evening followed by hor d'oeuvres, drinks, drawings and tours.

FCCU purchased the former rental store connected to our building in 2016. The extensive remodel took place and the Member Relations and Operations departments now occupy the new 3,000 square foot addition. The outside of the Headquarters building was upgraded to a more modern look as well.

"When we moved to the administrative building nearly ten years ago, the goal was to streamline processes and to increase efficiency," said Steve Schmitz, FCCU President and CEO. "Since then, our Credit Union has grown exponentially and this expansion allows us to better serve our growing membership base now and for years to come."

The event was a success and the community enjoyed touring our newly remodeled facility.


Upcoming Member's Choice Club Events

Join us for our upcoming events:

  • All Branches - International Credit Union Day - Oct. 19 - Join us for door prizes, giveaways, and snacks!
  • Bismarck - Pie & Ice Cream Social - Nov. 9 - 2:00pm to 4:00pm - FCCU Bismarck Branches
  • Napoleon - Soup & Sandwich Social - Nov. 6 - 11:00am to 12:30pm - Golden Age

We have a special package of benefits for our members 55 years and up. Member's Choice Club is exclusively designed with a wide variety of perks and benefits including special gifts, events/tours, and account specials. If you are someone with a zest for life and would like to learn more about getting involved with Member's Choice Club contact your favorite FCCU representative today.


What You Should Know on the Equifax Data Breach

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Equifax, one of the three major consumer reporting agencies, recently announced a breach impacting an estimated 143 million US consumers. According to their website, the information accessed includes names, Social Security numbers, birth dates, addresses, and in some cases driver's license numbers. Credit card numbers for approximately 209,000 US consumers were also accessed. This unauthorized access occurred from mid-May through July 2017. For those concerned about the breach, here are some resources available to you:

Equifax website for consumers to verify whether or not they are believed to be impacted by the breach, which can be found at www.equifax.com.

Equifax will provide one year of free TrustedID Premier, which provides the following identity theft protection and credit monitoring components:

3-Bureau Credit File Monitoring

Equifax Credit Report Lock

Social Security Number Scanning

Equifax Credit Report

$1 Million in Identity Theft Insurance

Equifax has published a FAQ page that they continue to update with information about the breach.

FCCU also offers ID Theft Protection services to members that have a checking account. Various options are available including:

Fully-managed Identity Recovery

Member Education

Monthly ID Theft Newsletter

Credit Report

Credit Score

Credit Monitoring

Expense Reimbursement

The Federal Trade Commission (FTC) has further information available for those who are worried that their information has been lost or exposed. For more information, visit www.myFCCU.com.


Two Board Positions Open

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There will be two open positions on FCCU's Board of Directors. Terms up are Sharman Zachrison and Bonnie Nelson. They have both expressed interest in running for another term. Serving on the Nominating Committee are Jason McKenney, Sue Corwin, and Sandy Franke. The Board meets once a month to review financial statements, numerous reports, and determine various policies. Board members are also expected to attend any additional meetings as needed.

Nominees must be a member of FCCU for at least two years from the date of the annual meeting on March 19, 2018 and be a member in good standing. Members interested in running for the Board can pick up a petition beginning October 16 at FCCU's office located at 310 10th St. SE, in Jamestown. You can also request one by mail through your local office or by calling 800-850-7676, extension 5127. Petitions are due back no later than December 1, 2017. Voting will take place at individual offices and at the Annual Meeting in Jamestown on Monday, March 19, 2018. Election results will be announced at the Annual Meeting.


Safe Online Shopping

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Nowadays, more and more people prefer to do their shopping online. You can find a lot of great deals, often with low-cost or free shipping. Having an easy-to-access marketplace that's open 24/7/365 where any product is at your fingertips is great. But it's important to be cautious when shopping online. The tips below can help ensure your purchases are secure.

Use credit cards instead of debit cards when shopping online. Credit cards generally offer additional protection compared to debit cards because credit cards are not directly linked to funds you own. Additionally, credit cards have a limit to the amount you are responsible for if your account information is stolen.

Use secure online payment services (like PayPal.) With these services, the retailer never receives your financial information – that limits the chances of your information being stolen.

Always look for the "https" URL when shopping online. The added "s" at the end of "http" means that the site you're visiting is encrypted, so your financial data (such as your credit card details) are kept private. In most cases, the text in the URL is preceded by a padlock symbol, which also means your information is protected.

Avoid shopping via public Wi-Fi. Instead, opt for your mobile phone network. It may be more convenient to use public Wi-Fi, but there are many risks. Most hotspots are not secure, so your information is available for any hacker to use.

If an online deal seems "too good to be true" – avoid it. Be cautious of bait and switch scams and any website that looks questionable. Check to see if the site is reliable and if anyone has reviewed the product, company or deal.

Only share what's required for your purchase. You'll likely need to give your name, address, phone number, email and credit card information. It's best to just fill in the required information fields that have asterisks.

As great as online shopping is, be cautious when making internet purchases. If you currently do not have a credit card and would like to apply for one, talk to one of our FCCU representatives and they will be willing to help you.