NEWS
Account To Account Transfers Now Available
Account to account ( A2A ) transfers are now available at OFCCU. Now you can transfer funds electronically to and from an account at OFCCU to an account at a different financial institution with the click of your mouse. Plus, as a courtesy, OFCCU does not currently charge for outgoing nor incoming A2A transfers.

Here are some details:
mmmmm • Dollar Limits:
mmmmmmmmmm • Minimum transfer amount: $ 25.00
mmmmmmmmmm • Maximum transfer amount: $ 5,000.00
mmmmm mmmmm• Daily Transfer Limit: $ 10,000.00
mmmmmmmmmm • Weekly Transfer Limit: $ 25,000.00
mmmmm • Transfers can takeup to 3 or 4 days to process.
 mmmmm • Transfers can be set up to be one time or recurring.
mmmmm • There are currently no charges for these transfers.
Here's how to get started:
mmmmm• You must have Online Banking. If not, sign up here.
mmmmm• Log on to Online Banking
mmmmm• Click on Account Access
mmmmm• Click on Manage Account
mmmmm• Click on Manage Account
mmmmm• Add New Account

New Funds Availability Act Effective June 1, 2012 - Details here

Save Big With Our VISA Balance Transfer Promotion Starting May 1st
Don't Wait - Apply For Your OFCCU VISA Card Now
Click here to visit our VISA page with all the details.

We Welcome Our Newest Members
We are proud to announce that the merger of Lorain Postal Employees Credit Union in Elyria with OFCCU is now
finalized. Adding the members from this strong credit union will help us become an even stronger financial entity in the future.
Please join us in welcoming them to our credit union family.

ATM/Debit Card Usage Temporarily Suspended In Canada
Because of some recent fraudulent activity, OFCCU ATM/Debit cards are no longer useable in Canada.
Watch for an announcement when this suspension is over.

OFCCU Is Now Offering First Mortgage Loans Through Our Partner CU Lending
Click here for details, or contact CU Lending at 216-468-0158, ext. 108.

Financial Planner Now Available
Cedar Brook Financial Partners now has an office inside your Credit Union. That means you can receive individualized attention to help you manage your bills, plan for your child's college, and even start planning for your retirement.
Ask us for further details or call Scott today to schedule your appointment: 1-440-683-9210
Securities offered through Securities America, Inc. Member FINRA/SIPC.
Advisory services offered through Securities America Advisors, Inc. An SEC Registered Investment Advisor.
Cedar Brook Financial Partners LLC and Securities America companies are not affiliated.

Another Loan Interest Rebate For The 5th Consecutive Year
5% of loan interest from 2011 returned to members. *
No other financial institution that we know of gave their customers a Loan Interest Rebate
AND paid a Bonus Dividend of 25% on their savings account interest through 3rd quarter
AND paid .50% APR on their savings accounts throughout the year
AND has some of the lowest loan rates in the area.
Tell everyone you know that OFCCU is where their finances belong.
Invite them to open an account today!
  * Rebate applies to loan interest paid thru 4th quarter 2011 for accounts still open on 12-31-11. Members with delinquent loans had their rebates applied to their loans. Interest on OFCCU VISA Cards excluded.

Choose our partners for savings.

25% Bonus Dividend Declared!
It's the 5th consecutive year that OFCCU has paid a Bonus Dividend -
an extra 25% added to dividends earned in 2011.*
These dividends are a great example of the Credit Union difference:
• Since you are one of the credit union's owners, you receive the shareholder dividends.
• OFCCU is financially secure, efficiently run, and fiscally responsible to serve you.
• There are no huge executive bonuses - our earnings go back to you.
• Our Board of Directors and Audit Committee are volunteers who serve the members without compensation or expensive perks.
Where else will you receive bonus dividends on savings? Only OFCCU!
Thank you for being a member & for your support.
We look forward to serving your financial needs for many years to come!
* Bonus dividends apply to dividends paid thru 3rd quarter for accounts still open on 9-30-11. Bonus Share dividends apply to Regular Share Accounts and Share Certificates only.
Third Pay Loan Payment Changes

A letter was mailed to all account holders in October 2011 explaining how loan payments would be handled in the future when three pays occur in a month. Copy of letter here.

We Must Have Your Current Address
• We must have your current address. If OFCCU receives returned mail because of a bad address, all access to your account services will be blocked.

Important Notice Concerning OFCCU Debit Cards
Some local institutions recently had some of their customers' debit card information compromised. Fortunately, only a few of our debit cards were involved and those issues have been resolved.
Please be aware: We take great care to protect your personal information. Feel free to contact us anytime you have concerns about your account.
Be careful with your debit card: Our accounts are monitored by a fraud department
for any unusual usage patterns; however, please check your account details regularly on your statement or online.
Never give out personal information, especially your PIN number.
For Everyday Use: For your protection against ID theft and unauthorized use, your ATM/Debit Card can only be used in the USA and Canada.
For Use When Travelling: To use your card in other countries, we can arrange card access in those countries while you are there, but you must contact Anita at 216-241-1088, ext. 211 at least 3 business days prior to leaving.
Thank you for using our services and for being a member.

iPhone Shared Branching locator application available
A highly-praised Shared Branching locator application is available for Apple's iPhone.
The free application can be downloaded through the "App Store" on any iPhone or iPod Touch by searching "CO-OP Financial Services" or "Find Branch." Once downloaded, members can easily search for locations and view a map of Shared Branching locations in relation to their present whereabouts. Visit the iPhone app store at the link below to download the Shared Branching application: www.apple.com/iphone/apps-for-iphone/

Our Name May Have Changed, But We Have Not
• We are still your same great Credit Union.
• We are still serving all of our employment groups.
• Our same great staff will continue to treat you like family.
• We have expanded our membership options to now include anyone who
lives, works, worships, or attends school in Cuyahoga County and their families.
Please read the letter from our Board of Directors for more details.

Learn About Your Credit Report & Credit Score
Your credit history is important for many reasons, so it's to your advantage to understand your credit report, credit score, and credit bureaus. The Federal Reserve Board site here provides answers to some of the most common, and most important, questions about credit.

You May Lose Services If We Do Not Have Your Current Address
•

It is very important that we have your current address. If you move, please make sure you let us know. If we discover that we do not have your current address, we will put a block on your ATM or Debit Card.

• Since we need your signature, you must provide the information in person, by mail or by fax.
In addition to the address, please include current home, work, and cell phone numbers.

Get Your Credit Reports For FREE Annually But Be Careful
AnnualCreditReport.com is the ONLY AUTHORIZED source for the free annual credit reports that are yours by law. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies - Experian, Equifax, and TransUnion - every 12 months. Other sites may tell you that your reports are free and then want to charge you or make you buy something.
Everything you need to know about your free credit reports is at http://www.ftc.gov/freereports

 
Identity Theft Alert
  Identity theft occurs when someone uses your personal information, such as your name, Social Security number, credit card number, or other identifying information, without your permission to commit fraud or other crimes.
Identity theft is a serious and growing crime. People whose identities have been stolen may spend months or years and a lot of money cleaning up the mess, clearing their good names and credit records.
In addition, victims could lose job opportunities; be refused credit, education, or housing; and even be arrested for crimes they didn't commit.
  Beware Of Phone Call, E-Mail & Text Message Scams To Steal Your Identity
If you ever receive a phone call, e-mail or text message telling you that your OFCCU online services, ATM Card, or other account services have been suspended or compromised, please do not respond. The message did not come from us. This is one way that identity thieves are gathering information. If you ever receive a message like this, please contact us at 216-241-1088.
  FYI: OFCCU will never telephone, e-mail or text message you concerning your Credit Union accounts seeking to obtain personal information.
  If you think your identity has been stolen, here's what to do:
  • Contact the fraud department of one of the three major credit bureaus to place a fraud alert on your credit file.
  • Close the accounts that you know or believe have been tampered with or opened fraudulently.
  • File a police report. Get a copy of the report to submit to your creditors and others who may require proof of the crime.
  • File your complaint with the Federal Trade Commission (FTC):
• Visit www.consumer.gov/idtheft for info & a complaint form.
• Call 1-877-IDTHEFT & speak to a trained counselor.

US Patriot Act requires Identity Verification on all new accounts.

Equal Opportunity Lender