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THE SIREN
PUBLISHED FOR MEMBERS OF MIAMI FIREFIGHTERS FEDERAL CREDIT UNION • AUGUST 2020
Hit the Road with LOWER RATES!
…Drive away with an Auto Loan
fit for you.
• Rates as low as 2.24% APR1 for 36 months 
AND
• 2.99% APR1 for 60 months
(longer terms available)
Auto Loan with Another Lender?
Save a bundle when you steer your car loan to Miami Firefighters Federal Credit Union. If you’re tired of your high car payment, let MFFCU show you how much you can save: 
  • We’ll beat your rate by UP TO 3%2 off your current rate
  • 90 days until first payment3
  • Free standard GAP4
So this summer, Hit The Road…with a payment guaranteed to put a smile on your face and extra cash in your pocket each month.
1APR – Annual Percentage Rate. Consumer loan rates, which are subject to change without notice, may vary with respect to your credit history, the model year of the vehicle, the term of the loan and loan to value. Annual Percentage Rate is subject to credit union guidelines. The “as low as” rates are based on 0.25% payroll deduction discount, 0.25% direct deposit discount and an additional 0.25% discount for members who meet the requirements of a Deluxe Relationship. Deluxe Relationship Requirements – Household balance of $15,000 or more (total deposit or total loan balance). 2Floor is equal to our current rate for credit tier and term minus 0.50%. Finance charges begin on the date the loan is made and interest accrues during the payment deferral period. Payment example based on a $20,000 loan: A 36-month loan at 2.24% APR* would have monthly payments of approximately $574.95. A 60-month loan at 2.74% APR1 would have monthly payments of approximately $357.09. 3Not applicable to AutoSense loans. 4Whether or not you purchase GAP will not affect this application for credit or the terms of any existing credit agreement you have with us. We will provide you with complete information before you are obligated to pay for the protection, including cost information and a copy of the contract containing the terms of the program. There are eligibility requirements, conditions and exclusions that could prevent you from receiving benefits under these programs. You should carefully read our additional information for a full explanation of the terms of the programs.
COVID-19 Continues to Evolve...and So Do We
The novel coronavirus, known as COVID-19, quickly spread throughout the world and has changed our daily lives and the way we interact. As our members engage in social distancing, our electronic services have become essential to taking care of banking matters. We encourage you to utilize all these services:
Online Banking
Access your accounts and authorized cross-accounts from any computer, tablet or mobile phone. Check balances, see your statements, transfer funds and make a loan payment. You can even apply for a loan.

Bill Pay
This FREE service allows you to pay your bills in one place. You can schedule, change or cancel payments, even set-up recurring payments. This convenience makes paying your bills one less thing to worry about!

Mobile Banking
Whether you have an iPhone or an android, we’ve got you covered. No matter where you are, do your banking while out and about, anytime, anywhere. This is FREE to all members. Just download our TouchBanking app.

Mobile Check Deposit
Depositing checks is easy – take a picture of the front and back of your check and the amount will be deposited directly into your account. Deposits made before 3:00 pm on that day will be available after 7:30 pm that night. Deposits made after 3:00 pm or on weekends or holidays, will be available the next business day after 7:30 pm.

Quicken/Quickbooks
Keep track of your personal or business finances. You can manage your money across desktop + web + mobile. It can help you manage your investments and – in a new feature – track the value of your home. Our latest add-on to this is called ‘Direct Connect’ to make the transaction import process easier. Using this feature for tax-time is icing on the cake!

Apple Pay and Google Pay
You can enjoy all the benefits of your MFFCU Visa credit or debit card with Apple Pay or Google Pay. Download the app today.

Card Valet®
Protect your credit and debit card from fraud by using this great FREE service. Lock your cards when you are not using them preventing any unauthorized service. Set up real-time transaction alerts. Download the CardValet from the App Store or Google Play Store today.

Applications
As long as you are a member, you can apply for your next loan online. For greater security, we encourage you to sign up for online banking to accomplish this. Of course, you can always come into our office and visit our loan department. We encourage appointments ahead of time.

HOLIDAY

We will be closed on
Monday, September 7, 2020
for Labor Day
Thank you for your loyalty and continued commitment. 
305.324.4004 • 1.800.426.3324 • Fax 305.324.7585

Federally insured by the National Credit Union Administration