That’s right. Cooperative Federal has joined the social networking community with a Facebook Page, and we want you to become a fan. You can use the page to stay updated on Credit Union and community happenings, find out about workshops and RSVP to them, leave comments and suggestions and connect with other Credit Union members. We can’t wait to see you there.
Credit Union members should be advised that a fraudulent text message, supposedly from a credit union, is circulating. The goal of the fraudsters behind this is to collect personal and sensitive information. If you receive a questionable text message, do not reply or call back with any personal data. Neither your credit union, nor any other business, will ever request personal information from the public via text message, such as PIN codes, passwords, Social Security numbers, credit-card numbers or other financial account information.
Always make sure to follow best security practices and always consider why a person or business needs personal information about you before you provide it. This is a Scam. It is NOT coming from the Credit Union.
If you receive this message, you should delete it. Do not reply or call the phone number provided, or provide any information.
Never respond to an unsolicited email, phone call, or text message that asks for personal information. Cooperative Federal will never contact you by email to ask for your account number, social security number, or PIN.
The Westcott Neighborhood Bulb Project's annual bulb give-away and event was Saturday, October 3 at the Westcott Community Center.
Last year, the Bulb Project provided over 800 bulbs and SUNY-ESF's LANDscape club did the work of planting hundreds of flowers along the hillside next to Cooperative Federal’s credit union office on Westcott Street.
The first pieces of the Credit CARD Act of 2009 went into effect at the end of August.
The Credit CARD Act is meant to protect people from some of the unfriendly practices of credit card companies. The Act applies to any kind of open-end credit - so that includes our Lines of Credit.
What this Means for You:
Line of Credit payments are now due on the 25th of the month.
Payment used to be due on the 15th. This gives you more time between when the statement is mailed and when you have to send in your payment.
One of our main phone lines, 471-1116, was not working properly, starting on Sept 4. We fixed this issue on September 8th and this line is working correctly now.
We understand how important it is for you to have access to your account, and how upsetting it is when you cannot reach us.
We never plan or expect to have any of our numbers not work, but in the unexpected event that one does, there are additional ways to get in touch with us.
(315) 473-0220 – This is our main member service number. This is the best way to reach an available member service representative when we are open. You can also leave a message when we're closed. Each office also has a direct member service number - 473-0260 for Southwest, 473-0270 for Westcott, and 473-0280 for North Salina. If no one at that office can answer at that time, your call will then go to all offices so you can speak with someone.
(315) 473-0242 – This is our general lending department number. If you have questions about your loans, or general credit questions, give this number a call.
(315) 476-1451 – This is our financial classes & counseling number.
And, finally, (315) 671-CASH or 671-2274 is our automatic “phone teller” that you can use to hear your balances, history, and to make transfers or payments by phone,24 hours a day, 7 days a week. Direct lines for all staff members are also all posted on the website.
Our new data processing system has a new way of naming our different accounts and loans.
We have an online list of the different account types, which may be helpful when using Web Teller or Phone Teller especially.
Paying HUGE interest rates for your car loan?
If you're shopping for a new or used auto, get pre-qualified for a loan at Cooperative Federal before you shop. It can save you a bundle!
Already have a high-cost loan from another lender? Ask us about refinancing into a better loan.
Rates as low as 3.95% APR*.
Call Nate at 473-0275.
Sick of Owing Big Bucks to Big Banks?
Cancel your credit card bills and pay less in interest with a bill payer loan from Cooperative Federal. Go ahead, stick it to the man.
Rates as low as 5.95% APR*.
Thinking about Home Improvements?
Give your home some TLC, or invest in an energy-efficiency boost. You can get a low-cost loan for a new roof, replacement windows, solar panels... or any other pet project you've be dreaming about.
Rates as low as 4.20% APR* for 36 months.
Call Susan at 473-0231.
*Annual Percentage Rates. Rates are based on credit score, payment method, length of loan, downpayment amount, and collateral value.
Credit unions have been keeping their members’ savings Safe and Sound for over 150 years. Because Cooperative Federal keeps 100% of member savings right here in Syracuse, in the form of loans to other members—-not on Wall Street—-your money is as safe as ever despite the foreboding economic outlook. We are well capitalized, and have NO money invested in the stock market, Lehman Brothers, Bear Sterns, AIG, Fannie Mae or Freddie Mac. Plus, Federal insurance from the National Credit Union Administration (NCUA)guarantees that all Cooperative Federal accounts are insured to at least $250,000, and backed by the full faith and credit of the U.S. government.
Under new federal legislation, insurance from the National Credit Union Share Insurance Fund (NCUSIF) has increased from $100,000 to $250,000.
To learn more, visit the NCUA web page or ask a teller for a Share Insurance Brochure.
Want to move your money into an insured, high-yield Cooperative Federal savings certificate? Call Leyanis at 473-0240 or check out our great rates and terms. When you keep your savings in Cooperative Federal, you get the added satisfaction of knowing that your money is being used in a socially responsible way, right here in Syracuse.
Cooperative Federal is committed to providing up-to-date financial education and support to our community!
Identity theft is the fastest growing crime in the nation; some sources estimate as many as 1 in 5 people are affected.
To help you prevent identity theft from happening to you -- and to recover if it does! -- Cooperative Federal is providing free Identity Theft Kits in our lobby at 800 N. Salina St.
Come in to pick one up Monday through Friday, between 12 pm - 6 pm.
On Wednesday, December 10, Cooperative Federal was one of just six community development financial institutions (CDFI) from across the nation to be honored with a 2008 Wachovia NEXT Award. The awards, announced at the 2008 Opportunity Finance Network (OFN) Conference in Albuquerque, New Mexico, are among the most prestigious awards for responsible lending in the U.S.