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January 2023 eNews

REFINANCE YOUR AUTO LOAN FROM ANOTHER LENDER AND ENJOY

NO Payments for 90 days,

$100 cash, and

rates as low as 4.74% APR!*

Have questions?

Chat with a loan officer.

You'll love CREDIT UNIONING with us!

Apply Online

*Annual Percentage Rate. APR for auto loans is a fixed rate and will not increase during the loan term. All loans subject to approval. Terms of repayment. Example: $10,000 auto loan with a term of 60 months at 4.74% APR would have a monthly payment of $186.80. Federally insured by the NCUA. Equal Housing Opportunity. Qualified refinanced loans include auto, motorcycle, campers/trailers, and recreational vehicles. Current loans with FCCCU do not qualify for the refinance promotion of $100 cash or up to 90 days no payments. Loans approved under the First Class Acceptance program will not be eligible for 90 days no payments. All loans subject to approval.

Pull Your Credit Report after Holiday Spending

It's easy to get "distracted" from keeping close track of our finances during the busyness of the holiday season. However, most of your spending should be done and accounted for, so January is a great time to pull your FREE credit report to check for changes or inaccuracies.

You are entitled to receive one free copy of your credit report annually from each of the three credit reporting agencies (Experian, Equifax and TransUnion), so a total of three reports each year.

You can request a copy of your annual credit report in 1 of 3 ways:

Online: visit http://www.annualcreditreport.com/
By phone: call 877-322-8228
By mail: print a request form and mail it to the address listed on the form

Review these four key areas of your credit report for accuracy:

Personal information: Your name, address history, social security number, date of birth and employment history.
Credit history: This is the largest section of your credit report and will contain information on all the credit accounts you've either opened or co-signed for, including accounts you have closed.
Credit report inquiries: Whenever someone inquiries about your credit, such as a landlord, lender, or insurance company, this information is recorded and remains on your report for up to two years.
Public records: Any public information, such as bankruptcy, late child support, or unpaid taxes, can stay on your credit report for up to 7 years.

Comb through each of these sections and make sure that all the information is correct. If you need assistance, contact us. We can assist you in reading your credit report, disputing any items, and provide advice for building or raising your credit score.

The Process to Make Loan Payments Via an Auto Transfer Has Changed

If you have a loan with FCCCU and make your payments via an auto transfer from your savings or checking account, it's important to make sure funds are available prior to your payment due date.

In the past, if funds were not available on the due date, multiple attempts to pull funds over multiple days after would occur. However, the process has changed and there will only be one attempt to pull funds, on the due date. If funds are not available on the due date, you may receive a late payment notice.

If you anticipate funds will not be available on your loan payment due date, please contact us at least one business day prior to make other arrangements or make your payment manually.

New Year Reminders

Travel - Notify the credit union of travel plans so that you don't experience any interruptions when using your debit card.

Contact updates - Notify the credit union of any changes to your mailing address, email address, telephone number, or legal name.

IRA Contributions - Contributions can be made to IRAs through 4/18/23 for the 2022 tax year.

IRA's Fair Market Value - Members who have an IRA with us can determine your IRA’s Fair Market Value for income tax time by totaling your IRA account balances as of 12/31/22. That information can be found on your year-end statement, or by logging in to Online Banking.

Verify Account Information - Please verify the joint members and beneficiaries are correctly listed on your account(s). If you need to make changes, please contact the credit union.

1098 Tax Forms - 1098 forms will be mailed before the end of January to members who have a mortgage loan where at least $600 in interest was paid in 2022. Please note that forms are not sent for interest paid on any other loans.

1099 Tax Forms - 1099 forms will be mailed before the end of January to members who have earned more than $10 in interest over the past year on any checking, savings, or CD account. This information can also be found at the bottom of your December statement.

Westown Drive-Up OPEN / Construction to Begin Soon

Our Westown Parkway location drive-up has reopened. However, the lobby remains closed as we continue to work on restoring the building after the storm and water damage. Currently we are waiting on the design plans, but construction should begin soon.

The Euclid Avenue location will remain in full service during normal business hours to assist you.

Euclid Avenue Office

303 Euclid Avenue

Des Moines, IA 50313

Lobby hours:

Monday-Friday: 9:00am-5:00pm

Saturday: Closed

Drive-up hours:

Monday-Friday: 8:30am-5:30pm

Saturday: 8:30am-12:00pm

Westown Parkway Office

2051 Westown Parkway

West Des Moines, IA 50265

Lobby hours:

Lobby remains closed for repairs.

Drive-up hours:

Monday-Friday: 9:00am-5:00pm

Saturday: Closed

Shared Branch Locator

Invite Friends, Co-Workers & Family to Join

As a member-owner, you know there are countless benefits to being a First Class Community Credit Union member! We encourage you to invite your friends, co-workers, and family who live or work in the Iowa counties listed in yellow on the map to join YOUR credit union in 2022. Also, don’t forget that all state of Iowa postal employees are eligible to join!