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December 2018
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 www.Mocse.org    209-572-3600 
Credit Card Fraud

This time of year, many of us have increased our spending habits in order to get the perfect gifts for our loved ones.  Unfortunately, fraudsters also increase their spending habits during the holidays, even though it will earn them a spot on the Naughty List!

Throughout the entire year, Mocse uses enhanced fraud monitoring and detection tools to detect and prevent fraud on  members accounts.  If any type of suspicious activity is detected on your account, you will be contacted by our Fraud Team, which consists of live agents and an automated phone assistant.  Even with this constant monitoring and security, fraud activity is inevitable.  Sometimes, you may see an unauthorized charge or ATM withdrawal hit your account, even though you had your card safely in your possession the entire time.  This is a common type of fraud, which comes in the form of counterfeit payment cards.

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Holiday Closures
Holiday Branch Closures Christmas & New Years

Mocse Credit Union will be observing the following Holidays.

Monday, December 24, 2018 - Christmas Eve branches will be closing at 12:00pm.

Tuesday, December 25, 2018 - Christmas Day branches will be closed.

Monday, December 31, 2018 - New Year's Eve branches will be closing at 3pm.

Tuesday, January 1, 2019 - New Year's Day branches are closed.

What Qualifies as a Strong Password?
Tips for preventing your passwords from being cracked by hackers

In the age of ever-increasing internet involvement, the threat of someone hacking into your information by breaking through your passwords grows daily.
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Know the Differences between Simple and Compound Interest
Don’t let your compound interest loans spiral out of control

It pays to know the differences between simple and compound interest and how these can be advantageous or disadvantageous for you in various situations.
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Holiday Traditions to Start with Your Family
Make new holiday memories with these family traditions


The holidays are a great time to be with family, and part of the fun of the season is yearly family traditions.
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How to Set Attainable Goals for the New Year
Setting goals that you can achieve in 2019


Making resolutions is a tradition for many people who want to start the New Year off fresh and focused. Whether you’re determined to revamp your eating habits, get in shape, start a new business or pursue a new passion, the best way to achieve your resolutions is to break each one down into small steps.
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How to Maintain the Charm of an Older Home When Remodeling
Which features to keep and which ones to replace on a historic home


One of the biggest mistakes people make when trying to renovate an older home is to implement trendy improvements rather than timeless ones.
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Mocse Credit Union      3600 Coffee Rd., Modesto, CA 95355       209-572-3600       www.Mocse.org

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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