Touchstone Federal Credit Union

Important Notice: If you are receiving texts from info@info.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. Also beware of Two Other Phishing Scams involving Visa and Turbo Tax.

Planning Home Improvements this Spring? Need to finance a major purchase? From May 1 through May 31, 2013, take out a Home Equity Loan at a rate as low as 4.00% APR*. Term is 10 years. Minimum loan amount is $10,000. Existing loans must advance $10,000. Maximum LTV is 80%. Member must pay for appraisal up front. Apply online today!

*APR is Annual Percentage Rate. Actual rate subject to credit worthiness. Estimated payment example for $10,000 loan at 4.00% for 10 year term is $101.25 per month.

Is high-interest debt dragging you down? Touchstone can help! From April 1 through May 31, 2013, you can get a Debt Consolidation Loan at a rate as low as 12.99% APR*. Maximum loan amount is $5,000. Term for up to 48 months. Credit Union would pay off existing debt. (Money cannot be used to pay off existing debt at Touchstone Federal Credit Union.) Apply online.

*APR is Annual Percentage Rate. Actual rate subject to credit worthiness. Member must qualify for rate (a counter offer could be made). All rates are subject to change without notice and promotions may be canceled at any time. Estimated payment example at 12.99% APR for 48 months is $26.82 per $1,000 per month.

From April 18 through June 30, 2013, get an Auto Loan for as low as 2.75% APR* (must have Auto Pay). Terms of up to 60 months (72 months for 2013 models!) Car must be 2010 or newer. Apply online!

*APR is Annual Percentage Rate. Actual rate subject to credit worthiness. Rate only good for new loans (cannot be used to refinance existing Touchstone loans). All rates are subject to change without notice and promotions may be canceled at any time. Member must qualify for rate (a counter offer could be made). Estimated payment example at 2.75% APR for 60 months is $17.86 per $1,000 per month.

Enterprise Car Sales is hitting a "Grand Slam" this month. Great prices on more than 120 models, including a 2012 Toyota Camry and a Chrysler 200 LX! Check out these great used auto dealsfrom May 1 - 31, 2013. Two convenient locations for Enterprise used vehicles - Westwood and Woburn, MA. Stop by Touchstone Federal Credit Union to get pre-approved today, or apply online!

Consumer disclosures: 1: Prices valid 5/1/13 – 5/31/13. In Massachusetts prices include a documentary preparation fee of $149.00 but do not include tax,
title, tags, governmental fees, electronic filing charge, any emissions testing charges, and any finance charges if applicable. Used vehicles were previously part of Enterprise short term rental, 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. © 2013 Enterprise Car Sales. D05422 DI03/13 KD

In the wake of any tragedy, including the tragic events at the Boston Marathon, 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. The State Attorney General's office has put together tips to help you give wisely to charities in the aftermath of the Boston Marathon, or any other, tragedy.

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,
Your credit card have been suspended after we noticed some unusual activities on it. Somebody was trying to use your card on purchasing some items on eBay. For your protection, we have suspended it. In order to activate it,
Click Here and follow the instructions.

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.

The email is signed as coming from Clients Support, Verified by Visa Team. Remember, do not click links on any emails similar to this one. For more news on this and other scams, visit Fraud Prevention.

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:

1.       Do not open the attachment in the email.
2.       Do not forward the email to anyone else.
3.       Delete the email.

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.

Vacationing this Winter?
Don't Forget Alamo^® and National Car Rental^® Discounts!

NOW AVAILABLE! Great Car Rental rates available online - up to 25% off - from Alamo^® and National Car Rental^®. For more information visit our Vehicle Loans page.

Introducing:
"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!

NEW! 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.

Please use the Sallie Mae link to our student lending page to get started today with an application and more information about student loans. The link is also provided on our Products page.

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.
Your Guide to a Comfortable Retirement

Are you comfortable with your retirement plan? Touchstone FCU has partnered with Paul M. Goyette, CERTIFIED FINANCIAL PLANNER^TM 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 PLANNER^TMpractitioner or George Slyman, Jr., ChFC, CERTIFIED FINANCIAL PLANNER^TM, 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.

Are you familiar with our new Privacy Policy? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read our Privacy Policy notice carefully to understand what we do.

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.

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!

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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.

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Important Information for Debit Card Holders
When your debit card expires we will send you a new one, which you must activate before using. When you call to activate your card the system will tell you that your card is already active, this happens because you have an existing card NOT because someone has activated your new card. Just follow the prompts to activate your replacement card and remember to destroy the old one, clearly eliminating the number sequence.