ACIPCO Federal Credit Union Monthly Newsletter
January 2018
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Message from the Manager
Looking back on 2017, we have a lot to be thankful for. Being able to pay a 35% rebate again is probably top of the list, and I credit this success directly to our loyal members. Members who turn to the Credit Union when they need to borrow money and in turn, pay that money back. Lending money is how the Credit Union supports all other areas. Without the money we make on loans, we couldn’t offer other services or pay dividends.

Unfortunately, not all our members are loyal. In 2017 alone, AFCU charged off $344,000 in uncollectible debts. That’s $344,000 that could’ve been invested in improving services, updating equipment, or increased member rebates. We understand some situations can’t be avoided. Sadly though, most of our losses were due to members who chose to file bankruptcy without attempting to make alternate arrangements with the Credit Union.

If you find yourself in a financial hardship, please contact the Credit Union before the situation is out of control. We’re willing to work with our members to the full extent possible to help them avoid bankruptcy. We also offer a full line of financial education products at no charge, to help you make decisions that can prevent financial burdens.

So, as we embark on another year, we hope you’ll consider AFCU for all our financial needs. We’re here to help make 2018 a happy and prosperous year for you. Thank you for your continued support.

Jo Alvis, CEO/Manager

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VISA® DEBIT & CREDIT CARDS
are now more Rewarding and more Secure!
Use your ACIPCO VISA® Debit or Credit card wherever you make a purchase, and you will earn points that can be redeemed for hundreds of reward options through CURewards. All new cards are now also EMV chip enabled, which provides an additional layer of security against fraud. Our VISA® Credit Cards offer a low fixed rate of 9.99%APR* with no annual fees.

*APR is Annual Percentage Rate. Subject to credit approval. Rates subject to change without notice. Contact ACIPCO Federal Credit Union for more details.

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Insurance Built and Designed for Credit Union Members

Watch your mail for a valuable opportunity. TruStage insurance products are available to credit union members. Your membership means competitive rates, helpful guidance without sales pressure, and quality products trusted by your credit union. Regardless of your budget, we can help make sure the protection you need makes sense. It’s all part of smart planning and caring for the people who matter most.

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We're Just a Phone Call Away
Main Number:
(205) 328-4371

Fax Number:
(205) 251-1513

Toll Free:
(800) 511-1904

Pipeline:
(205) 715-2331

Lost or Stolen Debit Card:
(888) 918-7729

Debit Card Fraud:
(888) 918-7729

Lost or Stolen Visa:
(800) 449-7728 (US)
(727) 299-2449 (International)

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Automatic vs. Manual Bill Pay
Here are some of the best ways to utilize automatic and manual payments

The increase of technology in our society is not only seeping into our media and personal tech, but also into our finances. Many of your bills likely allow you to pay online and some will even have an option for automatic payments, with the money coming out of your account each month without you having to lift a finger or send a check in the mail.
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Published by ACIPCO Federal Credit Union
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Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  
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