Fall 2022 Newsletter

Rates are Falling!

Get a Low-Rate Auto Loan

rates as low as
3.99% APR*
for up to 72 Months
New • Used • Refinanced

*APR = Annual Percentage Rate. Other rates and terms available. Actual rates given based on credit worthiness. All rates   conditions can change at any time. For complete detailed information on restrictions, conditions and qualifications please see the credit union.

Presidents Message

To our valued members:

USX Federal Credit Union has served you and our sponsors for nearly 85 years and during that time, we have all witnessed advancements that have allowed for more and faster financial services. Our service offerings provide our members with nearly all products and services that are currently available at the largest of global financial institutions.

Over 2 years ago, we set out to find the most robust, technologically advanced data processing platform available. It was not enough for us to find the best for today but one that is ready and capable for the future. We believe our search paid off!

As you know, our new data processing platform went live on October 4, 2022. We believe that our roll out has gone very well with minimal disruptions to our overall operation and your banking needs.

As we move forward and become more comfortable with the streamlined processes and integration, we know that your banking experience will be even better. This is the most multifaceted project USX FCU has ever undertaken. Our dedicated staff has devoted countless hours to testing (and
retesting) accounts to make sure that your account information is correct and training our entire staff. However, we anticipate that there will be minor glitches. If you have a question or you believe there to be an issue with your account, please contact us immediately. If an issue is discovered, our staff will research and make any corrections to your account. All we can ask is that you are patient as we determine what may have caused the issue and make corrections.

There is nothing more important to us than our member/owners and the opportunity we have, each day, to serve you.

Mark A. Volponi
President & CEO

Welcome

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

1 Choice Contracting, LLC
TDH Carpentry & Construction
Craig Strategies, LLC

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

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 5, 2022. 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 16066
 
Request for “Petition Packet” must be received no later than
November 11, 2022.

Tech Tips - 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.
 
Reference: The KnowBe4 Security Team
Couple standing together holding shopping bags with christmas tree behind them

Cold Cash... Warm Hearts...

Loans For Your Holiday Happiness!

Up to $2,000 as low as 6.49% APR* for 10 Months
NO PAYMENTS UNTIL JANUARY 2023

*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 will qualify for promotional interest rate; however, will not receive the new account bonus. Repayment will start January 2023 and must be completed by October 31, 2023. No payment will be required until January 2023; 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, 2022.

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