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Rates as of 07/01/15

"*APR = Annual Percentage Rate
Current Fraud Alerts

What to do if you're part of a data breach:

Any time there is a data breach for a company there is a call for concern. Therefore, ViaCU would like to remind you of steps to take to protect yourself if you've been affected by a breach, such as Anthem.
  • Accept credit monitoring services often offered by the company that has been breached immediately.
  • Call one of the credit bureaus and put a "Fraud/Security Alert" on your SSN. You only need to call one, by law they are required to contact the other two to ensure they also set up a fraud watch on your behalf. It is free, but only lasts for 90 days, so set a reminder to have it refreshed.
    • Equifax: 1-800-525-6285
    • Experian: 1-888-397-3742
    • TransUnion: 1-800-680-7289
  • Get a free credit report every 4 months. Each credit bureau is required to provide a free credit report once a year. So stagger each of the three so you can spot any fraud. Visit www.annualcreditreport.com to get started.
  • Watch for phishing scams; emails designed to look like they are from the breached company that attempt to get you to click on a link, download a file or enter login credentials. The criminals will attempt to deliver malware that can have a number of different effects.
  • Watch for a noticeable increase in credit card offers. If someone attempts to get a credit card in your name, that information is picked up by all the credit card companies and they will send you offers.
Credit and Debit Card Fraud

Target, Michael's, Home Depot, Dairy Queen, Kmart. In less than a year, cardholders have received news that these major retailers/restaurants have suffered a breach. As a result, millions of cardholders have had to replace their debit and credit cards.

Who are these criminals? They are a sophisticated group of criminals from overseas. They use high tech systems to steal data and manufacture new cards.

What ViaCU is doing to protect our members:

Fraud Blocks

For your protection, there are lists of 'high risk' countries where ViaCU credit and debit cards are not accepted.

View list of countries that do not accept the ViaVISA® Credit Cards.

View list of countries that do not accept the MasterCard® Debit Cards.

In addition, when ViaCU is notified of card disputes, we have the ability to completely "shut down" countries or states where fraudulent activity happening. We also have the option to modify dollar amounts and/or restrict signature based transaction so only PIN (personal identification number) based transactions are accepted.

Before traveling, please contact ViaCU with your travel dates and if possible provide a mobile number that you will have with you. Without notification of travel, your card may be blocked when transactions outside your normal spending habits are identified.

Replacement Cards

Once ViaCU is notified of fraud on your account, you will be contacted and a replacement card is ordered. We want to ensure you receive your replacement card as soon as possible, however our plastic supplier is also the provider of cards for other financial institutions that are also affected by fraud.

We thank you for your patience as your card is being replaced. We sincerely apologize for an inconvenience this may cause you. Please be assured that your financial security is our priority!

Coming in 2015

We will be introducing EMV ("chip") cards in 2015 that will have enhanced fraud protection. More details will be coming soon.