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Fall 2020 Newsletter

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Don't Get Stuck

With a High-Interest Credit Card!

  • Low, fixed rate
  • Earn reward points with every purchase
  • Monitor your card on the go with CardTrac (Coming Soon)

Get your new card today!

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Winding road into sunset with trees and mountains in distance

Rates are Falling

Don’t let the sun set on your chance to save!

NEW AND USED AUTO LOANS
Rates as low as
2.69% APR*
For 72 months
Model Years 2018 and Newer

Hurry! This offer expires October 31, 2020!

Stop Paying More on Your Auto Loan!

Our experts are here to help you lower your rate and monthly payment so you can enjoy the rest of your fall.

Refinancing is available!

Apply Today!

Notice of Election

An election to fill three vacancies on the USX FCU® Board of Directors will be held at the Annual Meeting. The location of the meeting will be announced in the very near future. No nominations will be accepted from the floor.

A Nominating Committee appointed by the Chairman will nominate candidates for election to the Board of Directors. The Nominating Committee will select one nominee for each vacant seat on the Board.

Interested members can become a candidate for Board Membership by requesting a “Petition Packet” from the Nominating Committee. The “Petition Packet” will require the member to obtain the name, address, account number and signature from 1% of the membership as of the previous year-end. The petitioner must submit the complete packet to the Nominating Committee by December 4, 2020. The Nominating Committee will then validate the candidate and verify the information submitted in the “Petition Packet”.

Once the Nominating Committee has approved the candidates, the names of all qualified candidates running for election to the Board will appear on the ballot at the Annual Meeting. A short biography of each candidate will appear in the next quarter’s newsletter. The members present at the Annual Meeting will vote to determine who will serve on the Board of Directors.

Any member of the credit union at least 18 years of age may qualify to serve on the Board of Directors. If you have an interest in serving, you may request a “Petition Packet” by writing to:

Chairperson, Nominating Committee
USX Federal Credit Union
PO Box 1728
Cranberry Twp., PA 16006

Request for “Petition Packet” must be received no later than November 10, 2020.

Welcome

The Board of Directors and Staff would like to welcome the following new companies, associations and their employees or members to USX FCU:

Scottdale Rehabilitation & Wellness Center

Remember if your co-workers are not yet members of USX FCU, you can get paid for introducing them to the credit union. Ask our staff how.

Did You Know?

In this time of pandemic, you may not want to visit one of our offices to simply get the cash you need. As a USX FCU member, you have access to over 90,000 ATMs nationwide. The networks or convenience store ATMs listed below will provide you with access to your money FREE of charge. Many of the networks also have a cellphone app to help you locate a FREE ATM near you anywhere in the country.

Allpoint ATM logo

55,000 ATMs – App available – Located at Target, CVS, Walgreens, Rite Aid and Speedway and more…

CO-OP ATM logo

25,000 ATMs – App Available – Located at Credit Unions around the United States

Alliance One logo

5,000 ATMs – App Available – Located at Credit Unions and Community Banks around the United States

CU Dollar

5,000 ATMs – No app available – All participating Pennsylvania Credit Unions – Including ALL USX FCU ATMs

Also remember, when you use your USX FCU debit card at many retail locations, you can request cash back at NO Charge. PLUS…if you are in the greater Pittsburgh area, Sheetz and Get Go convenience stores offer surcharge free ATMs at all locations.

Please refer here for disclosures, or stop into a branch office to request an updated copy of our Error Resolution Notice reviewed September 2020.

TECH BITS

Simple, yet Effective “Vishing” Scams

Voice phishing, or “Vishing”, is a phishing attack conducted by phone. This is a classic tactic that bad guys typically use to collect your credit card or financial data, along with other personal information. Here’s an example: You receive a call from someone claiming to be a customer service representative for a specific retailer. They say your order could not be processed because your credit card was declined. But not to worry! They are happy to help correct the issue. The caller claims that they need your credit card number, expiration date, and code on the back.

While this scheme is simple, it is also surprisingly effective. The bad guys catch victims off-guard with a pressing issue, like a declined payment. The victim is then relieved when the scammers offer an easy and immediate solution. If you don’t take the time to stop and think about the situation, you could give away your personal data before you realize what is really happening.

Remember to stop, think, and follow these tips:

  • Don’t trust the caller ID. Phone numbers can be spoofed to look like a familiar or safe caller
  • Never provide personal information over the phone, unless you are the one who initiated the call.
  • If you receive a suspicious phone call, hang up, and use the company’s official phone number to call them directly

Stop, Look, and Think. Don’t be fooled.

Skip The Trip to the Credit Union!

Relax and SAVE money, time, effort and help save our planet by signing up for USX FCU’s FREE E-Services.

  • Online Banking
  • Online BillPay
  • Mobile Telephone Banking with Remote Check Deposit
  • E-Statements – GO Green … no more paper!
  • Plus … Access to 90,000 FREE ATMs

To learn more and to sign-up visit www.usxfcu.org or visit your local USX FCU office.

Cold Cash...Warm Hearts

Loans For Your Holiday Happiness!

Up to $2,000
as low as
5.49% APR*
for 10 Months

NO PAYMENTS UNTIL JANUARY 2021

*APR=Annual Percentage Rate. Approval, actual interest rate and dollar amount granted will be based on credit worthiness. Other rates and terms are available. Some restrictions may apply. To receive the promotional interest rate, you must have an active USX FCU checking account with net check direct deposit. Members that open a new checking account and sign up for net check direct deposit may qualify for an additional $100 new account bonus. Loan proceeds will be disbursed ONLY after direct deposit has been started and received. Existing checking accountholders with net check direct deposit may qualify for promotional interest rate; however, will not receive the new account bonus. Repayment will start January 2021 and must be completed by October 31, 2021. No payment will be required until January 2021; however, interest will accumulate from date of loan disbursement. Payments must be made by direct deposit or payroll deduction only and payments will coincide with member’s payroll periods. Offer is good to members in good standing. Offer Expires December 31, 2020.

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