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Teen Financial Success Camp
This summer, we're offering a fun, well-supervised, free summer camp where teens can learn the steps to financial success.
This four-day camp will be held July 15 - 18, Monday through Thursday between 9:00 a.m. - 3:45 p.m. at our Corporate Headquarters located at 4180 Western Boulevard branch in Jacksonville.
Lunches and snacks will be provided.
Topics include:
- Career and education decisions
- Handling day-to-day finances
- Budgeting for prom or special occasions
- Real-life scenarios (housing and car expenses)
- Debit and credit card use
- The do’s and don’ts of check writing
- Identity theft and much more!
Seating is limited to 20. Sign up today!
Teens must have their own Marine FCU Teen Saver Account and be between the ages of 14 through 17 at the time of camp.
Marine Federal Turned 60 and Raises $60,000
April was a month to celebrate, and to raise funds. On April 24, Marine Federal Credit Union turned 60 years young. Jacksonville Mayor Sammy Phillips proclaimed it Marine Federal Credit Union Day and members stopped in to enjoyed food and giveaways.
Marty Goldman, Chairman of the Board of Directors said, “We believe that only by giving back to the community is an organization truly part of it.”
Two days later, on April 26, between 164 golfers, sponsors, and Marine Federal employees, a total of $60,000 was raised from our annual charity golf tournament.
Marine FCU President/CEO Jeff Clark said, “When choosing an organization to reap the benefits of our fund raising, we’ve shifted a bit from years gone by. As we continue to grow, we see our impact in the community. With that in mind, the lion’s share of proceeds went to organizations closely aligned with our military and the communities supporting them. Case-in-point: those receiving monies this year were The USO of Jacksonville, Hope for the Warriors®, Crime Stoppers, and United Way. This community was heavily impacted by Hurricane Florence, so it’s very rewarding to give $60,000 back to it!”
The USO of Jacksonville has been a long-time recipient of Marine FCU’s golf tournament fundraising efforts and is the longest serving USO in the United States, opening its doors in April of 1942. To-date, a total of $762,300 has been raised for this organization.
Vishing Scams and Stealing Online Log In Credentials
We've received a few reports of a vishing scam and wanted to provide these reminders to you.
What is a Vishing Scam?
Vishing is the criminal act of contacting you by phone, spoofing the phone number to make it look like a business you trust, and impersonating that business to steal your personal or financial information.
Marine FCU will never call you and request any personal financial information. We will not ask you for things like:
- Your debit or credit card number, CVV number, or expiration date
- Your online banking user login or password
- Your social security number
- Your credit union account number
How do you protect yourself?
If you receive a call and it doesn't seem right, trust your gut instinct. Don’t hesitate to hang up and contact us directly to verify.
If you received this type of fraudulent call and provided your personal or financial information, contact us immediately.
Our branch locations, hours of operation, and telephones numbers are listed here. Please always use them as your source to contact us.
2019 Board Nominees
As a member, you have a voice and a vote. That is a fundamental defferentiator between banks and credit unions. Election of Board Members will be held at Marine Federal CU's Corporate Headquarters in Jacksonville, North Carolina on Thursday, May 9, 2019 at 8:30 a.m. Election results will be announced on our website.
Please take a moment to get to know our Board of Director Nominees by reading their biographies here.
Please Note: There will be no giveaways, food, or refreshments served at this meeting.
Marine FCU Receives Mack McKinney Award
Marine Federal Credit Union was one of the recipients of a Sgt. Maj. C. A. “Mack” McKinney Award during the annual ceremony hosted by The Down East Chapter of the Non-Commissioned Officers Association of America (NCOA). Chairman of the Board Marty Goldman and President/CEO Jeff Clark represented the credit union at the March 1 ceremony.
The award was established in honor of Marine Corps Sgt. Maj. Mack McKinney, who created governmental initiatives directly related to compensation and benefits for active duty, reservists, National Guard, and retired military personnel, after his retirement from active duty in 1971.
According to NCOA’s guidelines, the award is presented to military members who have demonstrated professionalism, dedication, and service to our Country and its military over a sustained period of time. It is also awarded to members of the local community who have demonstrated a strong support for our military community and their families
This year, Marine Federal was the first business since the inception of the award to receive this type of recognition. “It is the first time they’ve done this for an organization and we’re terribly honored,” said Clark. Twenty-two years ago, Goldman, then a board member and chairman of the Supervisory Committee, received the award for his commitment to the military community.
Mortgage Postcard Scam - 2/26/2019
There have been several reports that a postcard, giving the impression it's from Marine FCU, has been sent to our members. Other financial institutions across the country have also reported the same postcard scam. Here is a sample of what it looks like:
If you have received this type of postcard, please do not call the number listed on it. Instead, please reach out to us. Our branch locations, hours of operation, and telephones numbers are listed on our web site. Please always use them as your source for valid contact information. Scams have become more creative and authentic-looking. Always scrutinize the correspondence and read the fine print. You are the first line of defense by being vigilant, being aware, and trusting your gut.
Our branch locations, hours of operation, and telephones numbers are listed here. Please always use them as your source to contact us.
Vishing Scams – What You Need to Know
Your credit union is calling. You recognize the number and answer. The person on the other end states that he/she is with the credit union’s fraud department. This person indicates that your debit card is being used fraudulently online at a merchant like Amazon, or in person at a grocery store you may shop at. He/she then states the amount in question, and asks if you authorized it. If you say no, this person indicates that the card needs to be blocked and requests the CVV number and the expiration date. If you say yes, you may be told that as a security precaution, your card still needs to be blocked. The caller can become quite persistent.
STOP. This is a red flag that you are about to be Vished … the criminal act of contacting you by phone, spoofing the phone number to make it look like a business you trust, and impersonating that business to steal your personal or financial information.
How do you protect yourself?
Trust your gut instinct. If it doesn’t seem right, don’t hesitate to hang up and contact your credit union directly to verify. Reputable companies do not call you and…
- Ask for your card number, CVV number, or expiration date
- Ask for your user login or password
A reputable company has fraud detection in place and WILL monitor for purchases being made outside of your regular spending habits. When this happens, you will receive a call to verify your name and the purchase, BUT you will not be asked for your debit card or account number. Period.
What do you do if you think you are being Vished?
- Do not give out any personal financial information. Hang up.
- Contact your credit union directly and report the incident.
- Monitor your account.
It’s not uncommon to see spikes in fraud during tax filing time. Be vigilant. Beware. And, trust your gut.
Our branch locations, hours of operation, and telephones numbers are listed here. Please always use them as your source to contact us.
1/16/2019 - Partial Government Shutdown
Marine Federal is monitoring the Partial Government Shutdown. If your pay has been impacted by the partial government shutdown and you are a Marine FCU member in good standing with direct deposit at the credit union, please fill out this Payroll Advancement Request. We will honor payroll through the end of February, if the shutdown lasts that long.
We may also be able to offer assistance to members that do not have direct deposit here. Please contact us through chat, email, or by calling 800.225.3967 or 910.577.7333.
If you are unsure if your pay is affected, check with your agency or visit defense.gov, opm.gov or dhs.gov.
Marine FCU Mourns Loss of Long-Time Volunteer
Former Board Member, Director Emeritus, and Supervisory Committee Member Conrad William “Bill” Hemmingway passed away on December 26. The credit union lost an extraordinary volunteer and advocate of Marine FCU for over 38 years.
“He was a really good man who devoted his life to his country, family, community, and the credit union. It was my honor to have known him for almost 30 years.” Chairman of the Board Marty Goldman
His longest and most dedicated commitment started in 1955 as a member of the Fleet Reserve Association, Branch 208. After proudly serving in the Navy from 1948 to 1967, he retired as a Chief Navy Hospital Corpsman, and went on to become the City Clerk for the City of Jacksonville from 1970 to 1988.
“Bill was a dedicated credit union director who put the credit union before himself. He served because he loved serving.” Former Chairman and Board Member John Eller
In 1979, he became a volunteer at Marine FCU. A year later, he was appointed as Chairman of the Board of Directors. From 1990 to 2005, he served as Vice Chairman. After retiring from the Board, he went on to serve on the Supervisory Committee from July 2006 until June 2008, while simultaneously serving as Director Emeritus; a position he held until he passed away.
“Marine Federal lost a great man. A man so full life and an uncanny ability to make you a better person just by enjoying an interaction with him. He was tireless in his efforts for the credit union movement, and Marine Federal in particular.” President/CEO Jeff Clark
He was appointed to the Jacksonville Tourism Development Authority in 2010, and served until 2017. The Authority awarded him the title of the first ever Director Emeritus for his honorable service. He also served on the Jacksonville Chamber of Commerce Governmental Affairs Committee, and the Jacksonville Library Advisory Board, United Way, the Red Cross, and the Jacksonville Lions Club.
“Serving on the Board of Marine FCU has been the most fulfilling volunteer experience I’ve ever had.” Bill Hemmingway, 2004
Marine FCU Credit Cards Were Upgraded
A new and upgraded version of Marine FCU credit cards were mailed early August. Your new card comes with enhanced features and benefits that will give you more convenience and security.
Your card will be upgraded with these additional features and benefits:
- Pay your bill and view transaction in Online Banking! No more logging into a seperate account just to make a payment.
- New rewards program including added loyalty points.
- Reward points and cash-back wil roll over to the new program.
- View your credit score in Online Banking.
- Card numbers on the same account will now be unique. If one card is lost or stolen, then the other is available to use, as well as the card in your Mobile Wallet.
- Easier dispute reporting.
- Better fraud protection and alerts.
- All new designs except Honor Card.
- Mobile app is coming soon that will allow you to lock and unlock your card.
Scholarships
Do you know a high school senior that would benefit from a $1,000 scholarship? We'll be awarding $1,000 scholarships to 10 deserving high school seniors in 2019.
To qualify:
- Must be a graduating high school senior
- Applicant or parent/guardian must be a member
- Must have an SAT or ACT score
- Minimum GPA of 3.0
Get started today!
The deadline for applications is March 14.
New Look for Online Banking
New Year, New Look! January 8, 2018, online banking is getting a new look that works on all of your devices. Online banking still has great features such as checking your balance, transferring money, bill pay, secure email/chat, view and make your loan payments, and more. You can now also set your ATM preferences for quicker ATM transactions.
Marine FCU is also introducing our new Money Management tool in online banking. Visualize and interact with your money in the most epic ways. View all your accounts and transactions in a single location. Learn where and how you spend. Every transaction is automatically categorized so you can spend smarter. Receive timely alerts and notifications about your accounts. Money Management is a powerful tool to help you achieve your #LifeGoals.
Check out all of online banking's features and how to get started with online banking.
Important Software Update Information
It is important to keep your software up-to-date. Recent security vulnerabilities have been discovered that affect wireless (Wi-Fi) devices.
Running out-of-date software can put you at risk of security vulnerabilities that hackers seek out and exploit. Security experts agree that keeping your software (including Internet browsers, operating systems, plugins, and document editors) up-to-date on internet-connected devices is a fundamental cybersecurity practice and helps prevent malware infections that could compromise your devices and accounts.
How do you keep software up to date? When you receive notification that a software update is available, install it as soon as possible. Knowing your programs and operating system is important. Some programs, like reputable antivirus/security software and some web browsers, automatically update. Mobile operating systems, apps, and other critical software may require your action to update. If your wireless device cannot accept the upgrade, consider replacing your device.
Phishing Advice
As a result of the latest data breach, a primary risk to you is that you could be on the receiving end of more targeted and realistic phishing email messages.
Fraudsters can use the data to make their phishing messages look much more credible, including using real names, birth dates, and other personably identifiable information (PII) in the message. Their goal can vary from stealing information to installing malicious software to controlling your computer.
Be wary! Reputable organizations/businesses will not ask you to reset security information or passwords via email. To keep your information secure, the best practices when you suspect a phishing email include:
1. Do not respond/reply.
2. Do not click on links or open attachments!
3. Navigate to the organization/business’s website by typing in the website’s address, rather that clicking a link from an email message.
4. Call the organization/business using a number from official correspondence, not the number included in the email.
Protecting Yourself Against The Equifax Data Breach
Credit reporting agency, Equifax, has made headlines with data breach that has affected 143 million consumers. Names, Social Security numbers, birth dates and addresses were exposed.
There are a number ways to try to minimize the breach:
Know If Your Information Was Exposed
There is a web site that Equifax is providing to help you find out if your information has been compromised. Go to the Potential Impact link and follow the instructions.
Place a Lock on Your Credit
If your information has been compromised, lock or freeze your credit as a safety precaution. Just be aware that this will impact your ability to apply for credit.
Free Credit Monitoring Service
Sign up for free credit monitoring with Equifax, even if your personal information wasn’t compromised. They also offer other services such as alerts for changes in your credit report, including Experian and TransUnion.
Request a Copy of Your Credit Report
Contact all three credit reporting agencies and request a copy of your credit report.
TransUnion: https://www.transunion.com/
Experian: https://www.experian.com/
Equifax: https://www.equifax.com
Monitor Your Accounts
Unfortunately, it does not look like data breaches are going away. They have become a part of our everyday life. The best defense is to monitor your accounts for fraud at all times.
Easily order one of our three new debit card designs today for no charge!
Choose from the Scarlet, Desert Digital, and Dark Green Digital designs. Each will proudly display the Eagle, Globe, and Anchor.
To replace your current debit card at no charge follow the instructions below, visit your local branch, or give us a call at 800.225.3967.
- Log into Online Banking (MFCU@Home)
- Click on Secure Forms at the top right corner of your screen
- Choose Visa Chek Card
Reminder: When ordering a new card, always make sure to update monthly payments that are linked to your card number.
Securely Chat With Us Using Online Banking Or The App
We're making it more convenient for you to get answers to your questions without having to call the Call Center or visit a branch. Try out Secure Chat today and let us know how you like it!
- To chat from Online Banking (MFCU@Home): Log in and click Support on the top right.
- To chat from our app: Log in and click More/Live Chat. If you don't have our app yet, visit the iTunes® store or GooglePlay
Secure Chat hours are Monday through Friday, 9:00 a.m. - 5:00 p.m.ET.
Alert - Protect Your Debit Card at the Gas Pump
There’s been an increase in debit card fraud at the gas pump and the culprit is card skimmers.
Thieves attach card skimmer devices over actual card slots at the gas pump. Once the debit card is swiped and a Personal Identification Number (PIN) is entered, the skimmer captures and saves the card information.
How can you protect your debit card? Normally card skimmers come off easily, so wiggle the card slot to make sure it’s on securely and instead of entering your PIN, choose “Credit” as the pay option. In the event your card gets skimmed, thieves won’t have your PIN and won’t be able to withdraw directly from your account using an Automatic Teller Machine (ATM).
If you suspect debit card fraud, please call 888.918.7313 (US) or 727.299.2449 (Overseas).
For lost or stolen debit cards, please call 855.633.0643.
For any questions or concerns in general, please contact our Call Center at 910.577.7333 or 800.225.3967, Monday through Saturday between 8 a.m. and 6 p.m., Eastern Time.
Annual Meeting Recap-Just the Facts
--From the Desk of The Chief Risk & Compliance Officer Marine FCU
As a member, you have a voice and a vote. That is a fundamental differentiator between banks and credit unions. Banks make money for shareholders’ and board members’ financial benefit; credit unions make money solely to support the operations to service members. Like all credit unions, Marine FCU holds an annual meeting of the membership, the purpose of which is to elect the board members and provide information to members regarding key credit union activities, such as financial condition, oversight, and lending practices.
At this year’s meeting on May 11, we had several member inquiries regarding operations. If you were able to attend the meeting, we were glad to see you there! But since less than 1% of our members were able to attend, we felt it was important to take this opportunity to address those questions and concerns.
Question 1:
Why did we put over $1,000,000 into the Loan Loss Reserves in March 2017?
Answer:
This question was addressed by Treasurer, Mike Dunn, during the meeting and as he explained, that is what the calculation required to cover the historical rolling average. Allow me to expand on that since this may be a foreign topic to those unfamiliar with the intricacies of the financial industry.
Historically, credit unions have been known for being willing to take on more lending risk than their banker counterparts. The very foundation of the Credit Union Movement is about “people helping people.” Unfortunately, some credit union members don’t pay back their loans. Since the credit union is a cooperative, when this happens, the entire credit union suffers.
From an accounting perspective, financial institutions are required to reserve money to cover the cost of estimated loan losses–the loans we grant that will not be paid back. Calculations vary and accounting rules change from time to time, but the amount required for reserve is generally tied to loan balances, loss histories, and the types of loans in the portfolio. With a nearly half-billion dollar loan portfolio and higher loan losses, our Loan Loss Reserve requirements have increased. We must allocate reserves appropriately to position the credit union to absorb future loan losses. We are continually striving to find ways to reduce loan losses, while still being able to offer affordable loan products to our members.
Question 2:
Why did we move all of our ATMs off of the base, and is that the reason we are losing younger members?
Answer:
This was just incorrect information. Marine FCU has branch locations and/or ATMs on five (5) Marine Corp installations–Camp Lejeune, New River Air Station, Quantico, Camp Johnson, and Camp Geiger. Among those five base installations, we had 62 ATMs. We removed only nine (9) of those, leaving an abundance of ATMs aboard the bases we serve.
Why did we remove those nine machines? Very simply - our members were not using them; even non-members were not using them. Since ATMs are costly to maintain, this was an easy decision when we evaluated the cost of the ATMs (which is a cost to members) versus the member benefit. If our members don’t need the machines then why continue to absorb that unnecessary cost? As our Board Chairman, Marty Goldman, pointed out during the meeting, those are resources that we can reallocate to newer technology, namely Interactive Teller Machines (ITMs). ITM technology offers ATM services and much, much more. If you haven’t had an opportunity to do so yet, visit one of our ITM/Live Teller locations and check it out! Eventually ITMs will allow us to expand service hours and even locations, without adding unnecessary staffing or branch costs. And yes, you may continue to see removal or relocation of those old ATMs. Part of serving our members is recognizing when it’s time to make a change, and the “new” and ever-changing definition of “banking” is certainly keeping us on our toes! Our commitment to you is to use credit union resources in the best way possible to provide the services you need and want, and to change as your needs change.
To answer the final part of this question, we have seen no impact on our membership of any age as a result of removing those nine ATMs. We do have the data to show that the majority of our members simply do not use ATMs as frequently as they once did. And, we can hardly blame them – why use cash when your credit union gives you reward points and cash back on your debit card???!!!
Question 3:
Why did the gift card I purchased at a local merchant not work at the Marine FCU ATMs, nor could it be used in the branch?
Answer:
This is a situation-specific question, so we won’t provide an extensive amount of detail. We will say “Thank You” to the member who brought this to our attention because it helped us identify and correct a problem about which we were unaware. This is also a great opportunity to address some general information about gift cards. When buying a gift card from any merchant, always read the fine print to see if there are limitations. Gift cards vary on how/where they can be used, depending on the issuer of the gift card. By design, some gift cards will not work in ATMs, gas stations, or at certain merchants.
Question 4:
Why is the Annual Meeting format and location changing in 2018?
Answer:
You may have noticed a trend in these answers so far: research and analysis. We have spent the past 18 months in a constant state of evaluation, looking for ways to improve income, reduce expenses, and serve members better. Looking at the past three (3) years, only 1% or less of the Marine FCU membership was able to attend the Annual Membership Meeting. This had a negative impact on the remaining 99% who couldn’t be served because branches were closed to accommodate the meeting. When we look at serving our membership, we must look at the greatest benefit and the greatest value. The Annual Meeting has three primary purposes:
- Election of Board Members: Except in a situation of election by acclimation, voting is now electronic so that our members all over the world have an opportunity to vote.
- Dissemination of Credit Union Information: The dissemination of credit union information can be reliably communicated at any time and from any location. A benefit of having the meeting at Marine FCU’s Corporate Headquarters is to give the board an opportunity to live-stream the meeting for those who want to “attend” but cannot be physically present.
- Opportunity for members to voice concerns: We welcome your inquiries at the meeting; that is a critical venue for our members’ voices to be heard. Please note, however, that credit union operations are complex and each transaction is different. Most inquiries require some level of research to ensure we are providing you with the right answer. It is difficult to answer transaction-specific questions without having the details at our fingertips. So the best way to get an accurate answer to any question is to contact us directly; visit your favorite branch, contact the Call Center, or send a Secure Support message through home banking. If you feel like you received the wrong answer, escalate your concern to the Risk and Compliance Department or to Internal Audit.
The Annual Membership Meeting will always be a part of the credit union, but we recognize that most of our members simply cannot attend, no matter the time of day or location. So, we are seeking new and improved ways to reach out and connect with members in a variety of venues. You will see more, not less, member outreach. It just will look a little different.
Since 1959, Marine FCU has been here to serve. Employees change, buildings change, technology changes, rules and regulations change, products and services change, but one constant always remains–our commitment to service. From our Volunteer Board of Directors to the President/CEO to the brand-new teller, every person within the Marine FCU family is here to serve you, the member. Alas, we are still human; despite our best efforts we are fallible, and as such make a mistake from time to time. But when you call us, we listen, and will do what we can to fix our mistakes. Then we will learn from those mistakes and forge ahead, now better than we were yesterday.
Fraud and Your Marine FCU Debit Card
At Marine FCU, keeping your financial information safe and secure is our top priority.
If we suspect fraud on your debit card, you will receive an automated call to the phone number associated with your account. The call is on behalf of Marine FCU’s Transaction Review Department and will ask you to verify a few items before proceeding.
If a voicemail is left, you will be asked to call 800.327.8622; be sure to respond as soon as possible. (If fraud is suspected and there is no response from you, your debit card may be deactivated to protect your account.) Please have your debit card available. You will be asked to verify the phone number associated with your account.
Please log into Online Banking to make sure we have your correct phone number or contact our Call Center at 800.225.3967, Monday through Friday between 8 a.m. and 6 p.m., Eastern Time.
For a complete listing of numbers to contact for fraud or a lost/stolen debit card, click here and scroll down to the area for debit card phone numbers.
Why You Don’t Want To Miss Out On Certificate Laddering
by Sandy Drew, Special Operations Manager
Certificate laddering is a way you can take advantage of the higher rates that come with our long term certificates and still have access to your money each year. “Laddering” means purchasing several share certificates at once for different terms.
How do you get started?
Start by purchasing several share certificates at one time, beginning with a 12-month term. Each time a share certificate matures you roll it over into a new share certificate with a longer term and higher rate. To make it convenient, we’ve created a new feature that automatically rolls over into our 60-month certificate, so you truly can set it and forget it while your money continuously grows.
For example, if you have $50,000 to invest to start, you can purchase five $10,000 savings certificates:
- 12-month term certificate
- 24-month term certificate
- 36-month term certificate
- 48-month term certificate
- 60-month term certificate
When the 12-month certificate matures, renew with a 60-month term, and do the same with the 24, and 36, 48 and 60 month share certificates.
In four years you will have five 60-month share certificates maturing every year. That way, you have access to cash every year, but you get to take advantage of higher dividend rates associated with our 60-month share certificate.
You can customize your certificate ladder with different terms or different amounts to best meet your financial goals.
If you haven’t tried a certificate laddering, now is a great time to start. We are raising the certificate rate by 10 basis points when you ladder an IRA certificate.
To start laddering share certificates, stop by a branch or call us at 910.577.7333 or 800.225.3967.
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