Happy Holidays from Touchstone!
Holiday Club Accounts!
Open or renew your holiday club between October 1 and December 31, 2013, and receive a gift! Don’t have a Holiday Club Account? Make it a point to open one this year! It’s a great way to save a little all year long for the holidays and avoid credit card debt.
Is money tight around the holidays? Our Holiday Loan can help you stretch out your payments. From October 1– December 31, 2013 you can take a loan of $1,200 for as low as 10.49% APR*! Term of 12 months. Member can only have one holiday loan on the books; any outstanding loan would have to be paid off or refinanced for the difference of what’s owed and $1,200.
*APR is Annual Percentage Rate. Actual rate subject to credit worthiness. Estimated payment is $105.77 per month for term of 12 months.
Enterprise Perfect Picks - Kelley Blue Book® Trade-In Value and ADD $1,0001! Celebrate the Perfect Picks Used Auto Sales Event - November 29, 2013 - January 2014! Enterprise will appraise your vehicle using Kelley Blue Book® Trade-In Value and ADD $1,000 upon used vehicle purchase from Enterprise Car Sales. Before you buy, apply online for a loan with Touchstone!
Consumer disclosures: 1: Kelley Blue Book Trade-In Values used by Enterprise are obtained from © 2013 Kelley Blue Book Co.’s website KBB.com. Kelley Blue Book Trade-In Value is based on accurate condition rating, mileage, vehicle options and age of vehicle. Accurately appraising the condition of the vehicle is an important aspect of determining its Kelley Blue Book Trade-In Value. If a Kelley Blue Book Trade-In Value is not available for customer’s vehicle, Enterprise will provide a fair and competitive value for customer’s vehicle. Additional trade-in value of $1,000 is available only on passenger vehicles and light duty trucks with a Kelley Blue Book Trade-In Value and when a vehicle is purchased from Enterprise. Customer is responsible to any extent vehicle pay-off exceeds Enterprise offer. Customer must provide required proof of ownership/registration and all other necessary paperwork to transfer title. Offer only valid on one trade-in for each Enterprise vehicle purchase. Offer void where prohibited including AK, HI, KY, LA, MD, NE, NM, OK, OR, SC, TX, VA and Washington, D.C. Offer valid 11/29/13 - 1/31/14. No cash advances. Cannot be combined with any other offers. Used vehicles are previously part of Enterprise short-term rental and lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. 2: Limited Warranty begins on the vehicle purchase date and extends for 12 months or 12,000 miles, whichever comes first. 3: Enterprise 12-Month Unlimited Mileage Roadside Assistance Package is provided by the American Automobile Association (AAA) and its affiliated clubs in the United States and Canada. 4: For a period of seven days beyond the date of delivery or 1,000 miles beyond the odometer reading at delivery, whichever comes first, the vehicle may be returned for the exact price originally paid minus a $200 documentation and cleaning fee (as allowed by law). The “e” logo, Enterprise, “The Perfect Used Car Package” and “Haggle-free buying. Worry-free ownership.” are trademarks of Enterprise Holdings, Inc. Facebook is a registered trademark of Facebook, Inc. All other trademarks are the property of their respective owners. © 2013 Enterprise Car Sales. E01033 PP DI CU GP10 10/13 AK
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.
Watch Out for 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. In the wake of Typhoon Haiyan in the Phillipines, you must be careful who you trust. If you are looking to lend a hand, CNN has put together a list of charities and their mission to help in the Phillipines. 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. The State Attorney General's office has put together tips to help you give wisely to charities in the aftermath of a tragedy.
INFO@INFO.COM If you are receiving texts from email@example.com telling you to contact Touchstone Federal Credit Union at ANY number, please do not respond. It is a scam. Touchstone FCU will never text our members.
FROM "VISA" - The following email has been reported by Visa cardholders from other institutions! It seems to come from Visa Support and has the subject line Your Card Has Been Suspended. If you receive this email, do not click on the link, and report it to Touchstone. The body of the email will be similar to this:
Dear valued client,
Note: If not done by 03-02-2013 we will have to suspend it for life to avoid any illegal purchasing made by other frauders. We appreciate your help in this case.
AND FROM "INTUIT TURBO TAX" - Please be advised that we have been made aware of a phishing campaign currently underway that is using emails that appear to be related to TurboTax. The email does not contain a link; however, the email has a .zip attachment that contains malware. Do not open the attached .zip file.
If you receive emails that appear to be from TurboTax stating that “Your State Return Has Been Rejected,” please be aware that these are not from Touchstone, any other financial institution, or TurboTax. Please do not open the attachment and do not forward the email. Delete the email.
Recommended steps for those who may receive the phishing email:
NEW WALMART EMAIL HOAX - 5/16/23 The Wal-Mart stores and headquarters began receiving large amounts of phone calls from customers regarding an email that had allegedly received from Walmart.com regarding fraud orders using their credit cards. After speaking with several customers, they were able to determine that the emails are from an email address "@walmart.com" and are hoax emails. If you receive one of these emails, DO NOT CLICK ANY LINKS inside this email. as it will inevitably lead you to a fake Wal-Mart website that will either ask you for personal information, or somehow infect your computer.
If you need assistance, please call Wal-Mart, 1-800-Walmart. Also beware of Other Phishing Scams involving Visa and Turbo Tax.
Touchstone Visa Card
Touchstone's Visa Card rate is a fixed rate of 10.50% APR*. For more information on our Touchstone Visa Card, visit our Debit and Credit Card page.
Traveling Out of State? Visa card holders, if you plan to travel out of state, please notify the credit union in order to avoid any problems with card use. For the safety, security, and peace of mind of our members, we have a security “lock-out” on your credit cards that will not allow you to use the card out of state. On your written request, we can release the “lock-out” feature for as long as you plan to travel.
*APR is annual percentage rate
Hitting the Road this Summer?
"Pocket Cents" for Kids (and parents too!)
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!
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.
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!
Recent Credit Card Breach Could Increase Phishing. Following the Global Payments data breach, credit card holders should be aware of a potential increase in phishing attacks. These attacks could also target others who were not impacted by the recent card breach. Be aware of any suspicious emails, text messages, or phone calls requesting personal or financial information. For more information, visit Fraud Prevention.
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 Mike Hughes can help. Call Mike at (339) 883-9259 for more information and to set up an appointment. 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. To learn more about how Touchstone FCU is prepared to be your financial rock, please read these messages from Chairman Raymond Kahre and President and CEO James McCorkle.
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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