December 2023 eNews
*Federally insured by the NCUA. Equal Housing Opportunity. Annual percentage rate.  All required documents must be signed and received by the credit union before funding.
How do I invest in a Certificate of Deposit?

  1. Login to It'sME247 Online Banking
  2. Click "New Accounts"
  3. Click "See Available Certificates"
  4. Click "Purchase Online" on the same line as the type of certificate you wish to purchase.
Set up direct deposit this month so that you can
get your loan funds the same day the loan is approved!

Plus, Toro Credit Union will help you meet your financial goals when you update your payment election/direct deposit in Workday.

  • Savings Account – save for something special
  • Christmas Club Account – save for holiday expenses
  • Checking – manage and pay bills
NEW - Medicare Advisory Service

We're thrilled to announce our exciting new partnership with TruLync Medicare Advisors for our Minnesota members!

When it comes to Medicare, having choices is crucial, especially if you or a loved one is transitioning to Medicare soon or planning for retirement. With TruLync's expert guidance, you don't have to navigate the complex world of Medicare alone. Whether it's understanding hospital stays, doctor visits, Medicare Advantage, or prescription drug coverage, we're here to provide you with tailored solutions to meet your unique needs. TruLync can offer you Medicare plans from dozens of private insurance companies, guaranteeing you get the plan that may be best for you.
Please contact David Brown, Licensed Insurance Agent, to get answers to all your Medicare questions today.

David Brown
Licensed Insurance Agent
612-345-2798 (TTY: 711)
Disclaimer: For Minnesota residents only. By calling this number, you agree to speak to a licensed insurance agent about Medicare products. Neither Medicare nor Medicaid has reviewed nor endorsed this information. We may not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY: 1-877-486-2048) to get information on all of your options. This is an advertisement.
Manage My Cards

We encourage you to use Manage My Cards to manage and protect your cards this holiday season. It's easy. Log into your Mobile Banking App, select "More" and then "Manage My Cards" to perform any of these tasks:
  • Temporarily turn your card off if you have misplaced it (Lock Card)
  • Turn your card back on once you have located it (Unlock Card)
  • View your card transactions and balance
  • Setup activity alerts
  • Report a lost or stolen card
Package Delivery Scam

Expecting packages shipped to your home this holiday season? You’re not the only one… scammers are, too.

We’ve learned of a phony “delivery failure notification” email making the rounds. It looks like it’s from the U.S. Postal Service — but it’s not. The email says you missed a delivery. But, it says, if you print the attached form and take it to your local post office, you can pick up your package and avoid penalties. The message might also include a link for more details.

Here’s the truth: the email is bogus and there is no package. And if you download the attachment or click on a link, you’re likely to end up with a virus or malware on your device.

Con artists often use the names and logos of familiar organizations to get under your guard. So how do you tell what’s legit and what’s a scam? Here are some ways to spot a bogus email:

  • It tells you to click on a link or download an attachment
  • It urges you to take immediate action
  • It asks you to “re-confirm” personal or financial information

Another sure sign an email is a scam? If you hover over the link in the email, it won’t show the official website of the supposed sender — in this case, the U.S. Postal Service website.

For more tips, check out our articles on phishing and malware. And if you have questions about a delivery by the U.S. Postal Service, visit usps.com or call 1-800-ASK-USPS.
Holiday Travel

Be sure to notify the credit union of your holiday travel plan so that your out-of-state transactions are accepted. Call or email the credit union with your travel details.

With CO-OP Shared Branching, you can access your Toro Credit Union accounts nationwide at affiliated credit union branches in over 5,400 locations around the country FREE of charge. 

Download the CO-OP Shared Branch app to locate a credit union near you.
Gift Cards

Do you wish holiday shopping was easier? Do you have someone on your holiday shopping list who's impossible to buy for?

Prepaid Holiday Gift Cards from Toro Credit Union are the perfect gift for everyone on your list. They are only $2.50 each and can be loaded with any dollar amount. 

Please contact the credit union today to order and arrange to pick up your Prepaid Holiday Gift Cards.
Invite Your Family to Join

Your immediate family members are eligible to join and enjoy all the things you love about YOUR credit union!

  • Low-interest rates for loans
  • High-interest rates for savings
  • Time-saving electronic services
  • Outstanding member service
  • Member ownership and control

Immediate family members include spouses, children, stepchildren, parents, grandparents, grandchildren, brothers, or sisters.
Mark Your Calendar

Friday, December 22nd - Closed in Observance of Christmas

Monday, December 25th - Closed in Observance of Christmas
CONNECT WITH US!
Website: www.ToroFCU.org
Lending Email: lending@torofcu.org
Lobby Hours

Monday - Friday, 8:30 am - 4:00 pm CST
Call Center Telephone Hours

Monday - Friday, 7:00 am - 8:30 am CST
Monday - Friday, 4:00 pm - 7:00 pm CST
Saturday, 7:00 am - 4:00 pm CST
Federally insured by the NCUA.   Equal Housing Opportunity.