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SAVINGS PROGRAMS 
- Individual Savings
- Joint Savings with the rights of survivorship
- Payable on Death accounts
- Secondary/Escrow Savings
- Minor accounts
- Christmas Club
- Vacation Club
- Share Certificates
- CHECKING ACCOUNTS
- Preferred Account
- Standard Account
- ‘STAR’ ATM CARD WITH ACCESS TO NO SURCHARGE ATM'S THROUGH 'ALLIANCE ONE'
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LOANS 
- New & Used Car/Truck Loans
- New & Used Recreational Vehicle Loans
- Home Equity/Second mortgage Loans
- Signature Loans
- Share/Certificate Secured Loans
- Bill Consolidation Loans
- "Special" loan promotions throughout year
- 1st Mortgage via referral program
- GAP INSURANCE (low cost)
- CREDIT LIFE & DISABILITY INSURANCE (low cost)
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MEMBER BENEFITS 
- “MEMBER ACCIDENT INSURANCE PROTECTION”
=Each member enrolled receives $1000 Accidental coverage at no cost to member
- CREDIT LIFE & DISABILITY INSURANCE
- NOTARY SERVICE
- USED COST GUIDES FOR ALL VEHICLES
- SCHOLARSHIPS FOR POST SECONDARY EDUCATION STUDENTS
- “CHALK TALK” NEWSLETTERS
- CONSUMER INFORMATION BROCHURES
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Did You Know? Did you know these fun facts on U.S. currency?
- The U.S. government adopted the "dollar" as the official money unit of the United States in 1785. The most commonly used denominations in the United States are the $1 and the $20; outside of the United States, it's the $100 note.
- All forms of paper currency issued by the U.S. government since 1861 are considered legal tender and redeemable even today at full face value.
- The U.S. government prints over 8 billion notes each year; enough to wrap around the earth’s equator over 30 times!
- Neutral-colored U.S. currency paper is composed of 25 percent linen and 75 percent cotton. Red and blue synthetic fibers of various lengths are distributed evenly throughout the paper.
- The last U.S. currency with background color was the $20 Gold Certificate, Series 1905, which was tinted gold.
Q: What was the highest-value note ever printed?
A: The highest-value bank note ever printed by the Bureau of Engraving and Printing was the $100,000 Gold Certificate, Series 1934. These notes were not circulated among the general public, but only issued for transactions between Federal Reserve banks and the U.S. Treasury.
Want to learn more? We encourage you to visit our Web site for more information about U.S. currency, and remember... the newly designed $5 note will be issued in early 2008! |
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Identity Theft --- Important Reminder Valley Council Credit Union will never initiate a phone call or an email asking you to update, validate or provide us with your personal inforamtion. Read on for more information on protecting yourself from identity theft and phishing scams.
A very serious crime we see more today is 'identity theft'. Individuals who have their identity stolen may spend years, not to mention thousands of dollars, trying to clean-up the mess. To help protect you from identity theft, the Credit Union have compiled the following information:
How identity thieves get your information:
- By stealing your wallet/purse with personal information
- By stealing your checking and credit card statements out of your mailbox
- By completing a change of address form
- By rummaging through your trash
- By using personal information you share on the Internet
How they use your personal information:
- They will call your credit card issuer and change the mailing address, and then use your credit card
- They will open a new credit card account or take out a loan in your name
- They will establish phone or wireless services in your name
- They will use checks/debit cards to drain your account
- They will open checking account and write bad checks on the account
What you can do:
- At least once a year, obtain a copy of your credit report from one of the three major credit bureaus: Equifax, Experian and TransUnion
- Place passwords on credit card, bank, and phone accounts
- Don't give out personal information over the phone or website, unless YOU know it is secure and YOU initiated the contact
- Deposit outgoing mail in post office collection boxes or at your local post office
- Shred items like: credit card applications, charge receipts, and past financial statement, before placing them in the trash
- Keep your social security card in a secure place like a safe deposit box: NOT in your wallet
What to do if your identity has been stolen:
- Place a fraud alert on your credit report and review your credit report.
- Close any accounts that have been tampered with or opened fraudulently.
- File a report with your local police or the police in the community where the identity theft took place.
- File a complaint with the Federal Trade Commission by visiting their website www.FTC.gov
Information taken from the Federal Trade Commission (FTC). |
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Valley Council Credit Union, Inc
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| 9231 Reading Road |
| Cincinnati, OH 45215-3415 |
| Phone: 513-948-1234 |
| Fax: 513-948-1503 |
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