Summertime Savings at Touchstone
Summer's Here! Check Out our Home Equity Loans!
10-Year Home Equity Loan – as low as 3.99% APR* Take a 10-Year Home Equity Loan from April 1 through June 30, 2016 at a rate as low as 3.99% APR*. Term of 10 years. Minimum loan amount of $10,000. Existing loans must advance $10,000. Maximum LTV is 80%. Member must pay for appraisal. Apply online today or stop in!
*APR is Annual Percentage Rate. Actual rate is subject to credit worthiness - Member must qualify for rate. All rates are subject to change without notice and promotions may be canceled at any time. Estimated payment example for a loan of $10,000 at 3.99% APR for 120 months is $101.20/month.
5-Year Home Equity Loan – as low as 2.99% APR* From April 1 through June 30, 2016, get a Home Equity Loan at a rate as low as 2.99% APR* for a term of 5 years. Minimum loan amount is $10,000. Existing loans must advance $10,000. Maximum LTV is 80%. Member must par for appraisal up front. Stop by or apply online.
*APR is Annual Percentage Rate. Actual rate subject to credit worthiness - Member must qualify for rate. All rates are subject to change without notice and promotions may be canceled at any time. Estimated payment example at 2.99% APR on a loan of $10,000 for 60 months is $179.64 per month.
Build Your Credit with our Credit Builder Loan - 9.5% APR*!
No credit score? We have an easy and cost effective way for you to establish credit and responsible credit habits for future loans - our $500 Credit Builder Loan. Term of 6 months at a rate as low as 9.5% APR. Apply online today or stop by.
*APR is Annual Percentage Rate. Actual rate is subject to credit worthiness. All rates are subject to change without notice and promotions may be canceled at any time. Estimated payment example for a loan of $500.00 at 9.5% APR for 6 months is $85.66/month.
NEW! Mobile Banking at Touchstone!
Start banking from your mobile phone or tablet today - with our mobile web or new Apple and Google Apps.
With Mobile Banking, you'll get quick, easy access from your smartphone or tablet to many Online Banking functions through our Mobile apps or with your phone or tablet's web browser. Use Mobile Banking right from your phone or tablet anytime, anywhere to manage accounts, check balances, pay bills and credit cards, transfer funds, and more.
Click on the Mobile Banking image below from your cell phone or tablet to visit our Mobile Site and log in with your Home Banking user name and password. You will be sent a one-time access code for your device. For more information - or to download new Apple and Google Mobile Banking apps, visit our Online Services page.
Auto Loan - as low as 1.99% APR*!
In the market for a new or used auto? Talk to us before you shop. Check out our new or used auto loan - as low as 1.99% APR. Term of up to 60 months available (72 months for 2015 models). Car must be 2013 or newer. Apply online today or stop by.
*APR is Annual Percentage Rate. Actual rate is subject to credit worthiness. All rates are subject to change without notice and promotions may be canceled at any time. Estimated payment example for term of 60 months at 1.99% APR is $17.52 per $1,000 per month.
Tired of High Credit Card Fees? Check Out Our Credit Card!
10.50% APR* Visa Card. Fixed rate. No annual fee. No service charge. Use your Visa to obtain cash at ATMs with the Visa logo. For more information, visit our ATM/Debit and Credit Card page. Apply online or stop by.
*APR is Annual Percentage Rate
Touchstone's main office in Wilmington is located in building 9 of Textron. Use the new lobby entrance located on the Route 38 side of Wilmington to get to the Credit Union. There is already a parking lot for Textron at the new lobby entrance.
NOTE: Important New Link for Verified by Visa
Also - Please note these NEW phone numbers:
1-877-267-6914 - Call this number to change your PIN number. (You will need your existing PIN.)
1-866-619-0245 - Call this number to activate a new debit or credit card. (Call from your primary phone number. You will need to provide the last four digits of your SSN.)
1-800-278-6888 - (Select OPTION 2) Call this number 24 hours a day to report a lost or stolen credit card.
Card Alert Notification
Your Visa debit or ATM card is monitored for suspicious activity 24/7. If potentially fraud transactions are taking place, you'll be contacted immediately so that future fraudulent transactions can be avoided. Your car transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.
Getting hold of you quickly is critical to stopping any potential card fraud. With our Card Alert Notification service, you will receive a text message allowing you to confirm if a suspicious transaction was authorized by you. The text message will arrive with a 5 digit code (33748) and contain our financial institution name, the amount of transaction, and merchant name. You can reply "Yes" to authorize the transaction or "No" to deny the transaction. Please read more about Card Alert Notification to understand how this feature works.
Traveling? Touchstone can save you money!
10.50% APR* Visa Card. Fixed rate. No annual fee. No service charge. Use your Visa to obtain cash at ATMs with the Visa logo. For more information, visit our ATM/Debit and Credit Card page. Apply online or stop by. *APR is Annual Percentage Rate
Traveling out of state with your Visa? For the security and peace of mind of our members, we have a security “lock out” feature that will not allow card use out of state. Please notify the credit union of your travel plans so that we can release that feature. Can't reach us during business hours? You should add the card to the exclusion list via client services at 800-278-6888 prior to travel. Already traveling? In the U.S. call 800-889-5280. Outside of the U.S., call 513-900-3014. You can even call collect - we accept the charges.
Easy Foreign Currency Exchange. Touchstone offers foreign currency exchange. Visit our Products page and click on Additional Services to get started.
Please Note: Touchstone Federal Credit Union does not call member's cell phones informing them that their debit/credit cards have been compromised. If you receive such a call, hang up immediately and do not enter or provide any information. As always, Touchstone Federal Credit Union recommends that members always monitor their accounts and inform us of anything that looks out of the ordinary. Thank you.
2015 Annual Report
The 2015 Annual Report is now available online on the Annual Report page.
Credit Report Disputes
If you notice any inaccuracies on your credit report and want to correct it, you can contact Equifax and dispute it. You can save time and start an investigation with their Online Dispute website. Any other questions you have about your credit report can also be answered at Equifax's website.
Credit Report - FREE from Equifax
You're entitled to a free annual Credit Report. It's a great idea to check your Credit Report yearly - it can help you find discrepancies and helps to prevent fraud. To get your free copy from Equifax, click here. If you find an inaccuracy with one credit reporting agency, you may want to get your credit file from the other two agencies to see if their files contain the same error. You can contact Experian at 1-888-397-3742 or go to www.experian.com or TransUnion at 1-800-888-4213 or visit www.transunion.com.
Traveling Out of State with Your Visa Credit Card?
Can't reach us during business hours? You should add the card to the exclusion list via client services at 800-278-6888 prior to travel.
Already traveling? If you are traveling inside the U.S. call 800-889-5280. If you are traveling outside of the U.S., call 513-900-3014. You can even call collect - we accept the charges.
For more information, visit out ATM/Debit and Credit Card page.
College Funding Gap? Check Out our Student Loans!
It's time to borrow smarter. Touchstone FCU is pleased to partner with Sallie Mae® through Members United to offer The Smart Option Student Loan®.
The Smart Option Student Loan® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.
Accidental Death and Dismemberment Insurance and Term Life
Touchstone Federal Credit Union sponsors Group Accidental Death and Dismemberment (AD&D) and Term Life Insurance Plans for eligible members at affordable group rates. Active members age 18 or older. $2,000 of AD&D Insurance is paid for by Touchstone, so there's no cost to you. Plus up to $300,000 in benefits is available for purchase. For Term Life, select benefit amount up to $150,000 - guaranteed never to decrease over the lifew of the plan. Provided through Selman & Company. For details, quotes and to access online applications and enrollment forms, click here!
Fraud Watch: Protect Yourself from Fraud
Exercising caution with email from companies, organizations, and institutions, even those in whom you trust, is a good way to prevent fraud. There have been fraudulent email messages which appear to come from trusted institutions, text messaging scams, and phone scams. Please visit our Fraud Prevention page regularly to learn more about the latest scams. Remember, no organization or institution you do business with will ask you to submit personal information.
Giving to a Cause? Be Aware of Charity Scams In the wake of any tragedy many people want to help in some way. Scam artists can take advantage of our natural inclination to lend a hand. Remember, before you give to any charity, be sure the charity is legitimate, there is a clear plan for use of funds, and that the charity will provide the support it claims it will. For information on how to avoid being taken advantage of, you can visit Give.org. For more information on scams, visit our Fraud Prevention page.
Phishing Email Scams If you received emails asking for you to provide personal information, even if they appear to be from a trusted source, think before you click, and do not download any attachements. No trusted organization will ever send an email asking you for personal or financial information. For more information on previous phishing email scams, visit our Fraud Prevention page.
TEXT MESSAGING SCAM ALERT* The following message is a SCAM: "Your credit union debit card has a pending alert. Call now, toll-free 1-940-XXX-XXXX, and follow the instructions to resolve this alert." If you receive a text or e-mail stating this message, do NOT call the number or give out any of your information. For more information, visit the Fraud Prevention page!
The National Credit Union Association (NCUA) has developed a new site, "Pocket Cents" within their Financial Information site MyCreditUnion.gov. Check it out, and don't forget to visit our Kids page too!
Northeast Planning Associates, Inc.
Are you comfortable with your retirement plan? Touchstone FCU has partnered with Paul M. Goyette, CERTIFIED FINANCIAL PLANNERTM practitioner, a financial advisor with Northeast Planning Associates, Inc. (NPA). With over 50 years of financial planning experience, NPA can help you to assess your current financial situation and create a plan for the future.
NPA provides guidance to help you set achievable short- and long-term goals, avoid costly financial mistakes, and more. For more information or to schedule a free consultation with Paul M. Goyette CEP®, CFS®, CERTIFIED FINANCIAL PLANNERTM practitioner or George Slyman, Jr., ChFC, CERTIFIED FINANCIAL PLANNERTM, call (603) 689-7162, ext 224. Learn more about NPA by visiting their Web site.
Financial Planner offers advisory services through Northeast Planning Associates, Inc., a registered investment adviser. Securities offered through LPL Financial, member FINRA/SIPC. Products and services provided: 1) are NOT federally insured; 2) are NOT obligations of the credit union; 3) are NOT guaranteed by the credit union; 4) may involve investment risks including possible loss of principal. Touchstone Federal Credit Union, Northeast Planning Associates, Inc. and LPL Financial are not affiliated. 402 Amherst Street, Unit 101, Nashua, NH 03063 (603) 689-7162.
Free Credit Report
You are Entitled to get an Annual Free Credit Report You can look at your credit report - for free. Under the Fair and Accurate Transaction (FACT) Act, at your request, Equifax, and each of the other two major credit reporting agencies, Experian and TranUnion will provide you with one free credit report every 12 months. You can request your annual free credit report online, or by calling 1-877-322-8228. Note, credit report disclosures do not include credit scores.
Buying A New Home? Seeking to Refinance?
Variety of Mortgage Programs Available! Low prices and low rates — a great opportunity for new buyers or those seeking to refinance. Touchstone FCU and Members Mortgage can help. Visit Mortgages to get started on the pre-approval process!
What You Should Know about Regulation "D" Confused about the amount of transfers or automatic payments you can initiate from your savings account? Read What is Reg D?
Your Savings are Safe with Touchstone FCU. Share accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA) of $250,000. You may obtain additional separate coverage on multiple accounts – for more information read the NCUA brochure on Share Insurance, use the handy NCUA Share Insurance Calculator, download and read "Share Insurance and You" from the NCUA website, or please call us at (978) 657-2223.
Touchstone, Your Financial Rock! Touchstone FCU can help you weather the financial storm. At Touchstone, "Personal Service Comes Standard" and Members come first. Our Credit Union continues to be run with integrity and fiscal responsibility. We offer a wide array of services and partner with licensed professionals to meet your complex financial needs.
Security Starts with Touchstone@Home! Review your accounts weekly online for signs of any suspicious transactions with Home Banking. Don't have FREE Home Banking? Demo touchstone@home today and monitor your accounts 24/7 with ease.
Save Time. Save Space. Save Money. Save a Tree. Help Touchstone FCU “Go Green” by Using eStatements. Sign up for eStatements through Home Banking and view your statements online at any time, from any place. You’ll help reduce monthly mailing costs and paper use. Make a statement. Sign up for eStatements today!
Traveling Out of State with Your Visa Credit Card? Learn more about our security "lock-out" on your credit card and what you need to do before you travel out of state.
Important Information for Debit Card Holders
Notices, Terms, and Conditions
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