CU appreciation

Credit Union Appreciation Day is Thursday, October 17th!

Formally known as International Credit Union (ICU) Day®, it has been celebrated on the third Thursday of October since 1948. It's a day for credit unions to raise awareness about the great work we do around the world, and a day to give members the opportunity to get to know us better. It's also a day for us to show members how much we appreciate YOU – our way of saying "thanks" for your loyalty, confidence, and for making VacationLand your preferred financial partner.

Credit Union "Member" Appreciation Day will be celebrated at all five VacationLand branches with fun, refreshments, giveaways, prize drawings, and the announcement of the "Let's Make Memories Sweepstakes" contest winner. The "Let's Make Memories Sweepstakes" asked our members to submit a photo and a milestone memory made possible with the help of VLFCU. Each entry was entered into our drawing for a chance to win a Canon EOS Rebel T7 Digital SLR Camera and Travel Bundle, valued at approximately $850.00. Entries will be accepted until October 11th. Every one of our valued members is encouraged to stop by on October 17th and see who wins, join in the fun, and also receive free, secure document shredding.

The credit union philosophy, "people helping people", continues beyond Credit Union Appreciation Day. As we celebrate you on October 17th, please help make the cold winter months a little more enjoyable for our local families in need in Erie and Huron counties. Each of our branches will be accepting donations of gently used warm apparel including coats, hats, gloves, scarves, sweaters, snow pants, and boots during our Coats for Caring program. Feel free to help warm the North Coast on this day, or any day, during the month of October.

If you're not already a member of VacationLand Federal Credit Union, we encourage you to join us. Discover why you belong here and what makes credit unions great options for your finances, by checking out these interesting facts about credit unions from US News.

We hope you can join us at any of our convenient branches in Sandusky, Huron, Vermilion, and Norwalk on Thursday, October 17, between 9:00 a.m. and 5:00 p.m. And as we celebrate, we never forget that we're here because of YOU. Thank you for making VacationLand Federal Credit Union your lifetime financial partner.

 

cyber security

As we move closer to a new decade, the amount of technology we use in our everyday lives is only increasing. The lights in our homes can be turned on just by asking Alexa. Running low on milk or eggs? Not to worry – smart refrigerators can see what’s in there and help you put together a shopping list. The world is literally in our pocket with mobile devices that connect us to just about anything we need.

When it comes to managing our finances, technology comes through again with a multitude of ways to view our account balances, transfer money, deposit checks, and control plastic card activity without ever setting foot in a branch. The convenience of electronic banking also comes with it a risk of potential fraud such as falling victim to scams, and/or identity theft. Here at VLFCU, we take member data security seriously – especially when it comes to electronic banking.

Even with the automated security monitoring and safeguards in place that you don’t see, there are steps we, as end-users, can follow to keep our sensitive data safe.

Password Security. One of the simplest actions you can take to keeping your information safe is keeping your passwords safe. There are many apps you can use on your mobile device that securely store passwords. Use a strong password for online site access that includes uppercase and lowercase letters, numbers, and special characters.

Beware of Phishing Scams. Have you ever received an email saying you have won a large sum of money from a contest? These are almost always a type of phishing scam where someone is trying to obtain sensitive information from you. Never click on links, open files you receive, or respond to any electronic message you receive and are unsure of.  

Social Networking. Many of us use social networking platforms such as Facebook, Twitter, and Instagram to share what is going on in our lives with friends and family. Keep in mind what you share could potentially allow an identity thief to learn enough about you to potentially access your personal information. You should never post information such as your social security number, phone number, home address, etc. where anyone can see it. Also, limit the audience of your social networking to just friends and family.

Old Technology. We always look forward to getting that new smartphone, tablet, computer, and smart TV. Most of us have a collection of old technology laying around the house gathering dust. Before you decide to discard these items, make sure you clear off any personal data first. Remove memory cards and SIM cards from mobile devices. Once you have cleared your electronic devices of personal information, click here to visit the Environmental Protection Agency’s (EPA) website for information regarding device recycling.

These are just a few ways you can keep your personal information safe. For further reading, click here to visit the Federal Trade Commission’s (FTC) website to learn more about online security.

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Escape terrifying high-interest rate credit cards when you transfer balances to a VLFCU Visa!

During this freaky good offer period, we’re offering 1.99% APR1 on the amount transferred for the first 18 months (10.90%-18.00% after promotion ends). There are no balance transfer fees and no cash advance fees, either.

ScoreCard Rewards Points make it an even bigger treat for you!

  • Earn 10,000 ScoreCard Rewards Points for balance transfers of $1,000 to $5,000
  • Earn 23,500 ScoreCard Rewards Points for balance transfers of $5,001 or more

You can cash in your ScoreCard Rewards Points for travel, merchandise, gift cards, and statement cash.

Don’t miss out on this freaky good offer! This promotion is valid through October 31, 2019. Click the button below to apply online for a VLFCU Visa, call 800.691.9299 for more information, or creep into one of our five branch locations for personal service.

Not a VLFCU member yet and want to take advantage of this balance transfer promotion? Learn how to join today.

Click here to download the promotional flyer.

 

1Membership eligibility is required with a minimum deposit of $25.00 in a Share/Savings Account. Member must be in good standing with VLFCU. No promotions are eligible with any other offer or discounts. Scorecard Rewards points apply to Rewards Visa cardholders only. "APR" = Annual Percentage Rate. Promotional rate of 1.99% APR applies for eighteen months after you transfer a balance. Offer valid from August 1, 2019 to October 31, 2019. Balance transfers may not be used to pay down an existing VLFCU Visa. After the promotional period ends, the APR will be (Prime+ 5.90% to 17.90% as published in the Wall Street Journal), based upon your creditworthiness. APR may vary but will not exceed 18.00%. Foreign transaction fee up to 1% of each transaction amount applies to purchase made outside of the U.S. Subject to change or cancellation without notice.

2 Standard data rates from your mobile service provider may apply.

 

banks vs credit unions 944 x 380

What's the difference between a bank and a credit union? There are a few, but perhaps the biggest is that a credit union is not-for-profit institution, owned and controlled by its members, not outside investors. 

Like a bank, credit unions offer staple financial products and services, including checking and savings accounts, credit cards and a variety of loan products.

Unlike a bank, credit unions offer lower fees, lower lending rates, higher savings rates, financial literacy programs, and much more. Here are just some of the perks of a VLFCU membership.

  • Free checking
  • Free notary service
  • Free coin counting service (Hayes branch only)
  • Safe deposit boxes (Perkins branch only)
  • $1,000 Accidental Death & Dismemberment Insurance
  • $750,000 deposit insurance*
  • Postage stamp books for purchase
  • Online banking & bill payment
  • eStatements
  • Telephone account access
  • Cashier's checks and money orders
  • Night depository
  • Payroll deduction
  • Visa TravelMoney® Travel Card

But we think the biggest perk is the local service you get, right here in your hometown. Need more reasons to join? Check out this list of 15 Reasons to Join a Credit Union and explore our short Financial Empowerment tutorial on the Benefits of a Credit Union.

If you're not already a VLFCU member, we'd love to have you! Learn more about our membership qualifications here and apply online today.

Credit Union Appreciation Day

October 17th Credit Union Appreciation Day, and we're celebrating YOU with our Let's Make Memories Sweepstakes.

Share a photograph and a memory of a recent milestone that VLFCU helped you achieve, and we'll enter you into a drawing to win a Canon EOS Rebel T7 Digital SLR Camera Travel Bundle, valued at $850.00. The deadline for submissions is October 11th.

And mark your calendar to visit one of our five branches on October 17th for Credit Union Appreciation Day! We'll have giveaways, drawings, refreshments and free document shredding! The winner of the sweepstakes will also be announced. 

When it comes to choosing the right financial partner, we think the choice is clear. VacationLand Federal Credit Union is different. You'll know it the minute you walk through our doors. We pride ourselves on anticipating our members’ needs and exceeding their expectations with superior service and products. Come see for yourself.

 

*All depository accounts are insured up to $750,000. The first $250,000 is provided by the NCUA Share Insurance Fund (NCUSIF). An additional $500,000 is made available through private insurance from Excess Share Insurance (ESI). This coverage is more than most financial institutions offer!

 

visa vacay

VacationLand Federal Credit Union is offering new or current VLFCU Visa® cardholders tremendous benefits just for transferring a credit card balance from another financial institution or retailer to our Visa® Rewards credit cards. This value-packed offer is good only through October 31, 2019 and can earn you ScoreCard® Rewards for travel, gift cards, merchandise, or statement cash.