Security Update: Keeping Kids Safe Online

Summer is in full swing and, although there are lots of outdoor activities going on, it’s also a season when children remain tethered to electronic devices. To follow are a couple of tips for keeping your kids cyber-secure.

• Many youngsters carry smartphones these days, which keep them connected to each other and able to reach their parents in emergencies. It’s wise to be knowledgeable about the apps your kids are using on these phones and make sure they are downloaded from reputable stores, with the proper privacy disclosures and settings.

• Apps sharing locations with friends and family can be useful, but take care with these programs and understand the risks generated by putting any personal information online. That’s especially good advice for young people.
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Handling your 401k when Changing Jobs

When you make a career switch, you also need to decide what you’re going to do with your 401k.

Should you leave the funds where they are or take your plan with you? Should you roll the money into an Individual Retirement Account (IRA) or transfer it to your new employer? Here are some choices:

• Take the money and run — You can withdraw your 401k in a lump sum and use the funds to meet expenses or invest elsewhere. Because these distributions involve complex tax issues, it’s always wise to consult a professional for more information.

• Another option is to simply leave resources in your old employer’s 401k and let them grow tax-deferred. However, you may not always have this opportunity, because some companies require you to take your money or withdraw it once you reach normal retirement age.
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Guest Commentary: The Secret to Financial Performance

By Rex Rollo, Executive Vice President/Chief Financial Officer

Rex RolloA typical company’s mid-year financial performance report would include numerous fiscal measurements, such as net income, asset growth, cash flows, and net worth. In addition, comparisons between actual performance, budgeted goals, and projections would likely be drawn.

Rest assured, America First Credit Union has either met or exceeded our targets in all of these indicators during the first half of 2015. Assets will exceed $7 billion before the year ends, our income is on budget, and our net worth ratio is at its highest level in seven years. These favorable numbers demonstrate yet another 12 months of strong financial performance and have resulted in America First being ranked among the strongest of its peers.

Key to these excellent results and the real secret to our success is the relationship we build with each of our members. Because of our dedication to this core ideal, not only has the credit union seen consistent membership growth year after year, there has also been an expansion in the number of products and services being utilized.

This compounded membership growth only occurs when the credit union is able to offer a complete range of quality products and services. It is then enhanced by delivering them through a wide selection of convenient, world-class channels. Our goal is not only to provide our members with the finest financial services, but to make them available whenever, wherever, and however members choose to transact their business.

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America First Credit Union Offers Hot Rates,Cool Prizes – “Summer Better Than Others” Loan Campaign

Click-to-Tweet: @afcu offers hot rates and cool prizes during summer loan campaign. Members can enter to win prizes through Aug. 28americafirst.com/summer

Riverdale, Utah – Diving head first into summer, America First Credit Union is offering low rates on auto, RV and home equity loans and will host a “Summer Better Than Others” campaign of giveaways, running through August 28. Members can take advantage of loan opportunities, while also being entered to win a selection of prizes awarded each day of the promotion, to include concert tickets, electronics, Disneyland vacations, and more.

Members can take advantage of low rates to make their summer purchases, including RVs, automotive and home equity loans. Individuals are automatically entered to have their loan payments made for a month, as well as to win a host of summer giveaways when they are approved for a loan, use an America First credit card or open a new credit card account, become a member or follow America First on its social media platforms.

Prizes will be drawn daily and include GoPro cameras, BBQ grills, Apple watches, iPad minis, beach cruiser bicycles, televisions, Intex above ground pools, Xbox One consoles and more with the grand prize of a $10,000 loan payment.

Members can enter to win a selection of prizes via the America First Facebook page, as well as at americafirst.com/summer

For more information, visit www.americafirst.com, America First Credit Union onFacebook, Twitter, @AmericaFirst on Instagram and Pinterest

Security Update: Let Us Know if You’re Planning a Trip

It’s that time of year: family vacations, day excursions, maybe even the trip of a lifetime when you’re flying to Europe.

There’s no better way to pay for these opportunities than with your America First Visa® Credit and Debit Cards.

But before you leave, it’s important that you inform us you’re going to be traveling so we can take steps to guard your resources.

Simply call 1-800-999-3961. That way, we can monitor and/or block transactions if they have a high probability of being fraudulent, and we can contact you if we see something that looks suspicious.

And please remember to visit us here for further information about your account security at America First.

Another First from your Credit Union: Card Guard

America First works to provide you with products that protect your resources & enhance your convenience.

Such as our new Mobile Banking innovation: Card Guard, security you control™.

With Card Guard, you’ll have a revolutionary tool to manage your credit, debit and ATM cards, just by tapping your smartphone.

Download the app & you’ll be able to:

  • Turn your cards on and off whenever you like
  • Determine where you want to use them
  • Set per-transaction spending limits
  • Allow card use only from merchants near your phone
  • Much more

Simply put, you decide how your cards are used. Select this link for additional information.

Love for a Man Never Met — the Legacy of Little Jimmy Fisher

John Lund, President, America First Credit Union

By John B. Lund, President & Chief Executive Officer

I recently heard a heartwarming true story about the experience of Eugene Gibbs on Iwo Jima Island during World War II. It was carefully and passionately told by Eugene’s dear wife, Wanda, and his granddaughter, Kristin, both members of America First Credit Union. I am grateful their family was willing to share something this special.

Eugene Jens Gibbs was a good man and one of the Greatest Generation. He was a member of Company K, 3rd Battalion, 4th Marines. Eugene had a buddy named James C. Fisher, Jr., fondly known as Little Jimmy Fisher. Jimmy and Eugene met during basic training, discovering they were of different backgrounds and from opposite ends of the country. Over time, they formed a close friendship. Eugene and Jimmy served and fought together through several terrifying and bloody battles in Rio-Namur, Saipan, Tinian, and Iwo Jima.

Iwo Jima is located between the Mariana Islands and Japan’s mainland. It was an important defensive position for the Imperial Army and consequently of great strategic value to the Allied troops. Japan had long worked to fortify the island with concrete bunkers, a complex system of tunnels, and heavily armed positions, both offensively and defensively.

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America First Credit Union Continues Growth in Southern Nevada with the Opening of Horizon Branch

Newest branch marks 13 locations servicing Southern Nevada membership

Las Vegas  – America First Credit Union, a leading member-owned, not-for-profit cooperative financial institution, will welcome the public with the opening of its newest location at 10608 South Eastern Avenue, Suite E Henderson, NV. Having officially opened its doors to the public on Monday, June 29, Horizon is the 13th America First branch location servicing members in Southern Nevada.

Kylee Cinnamon will service as branch manager of the Horizon location. Cinnamon is a Las Vegas native, graduating from Silverado High School. Cinnamon began her career as a teller with America First in 2010 and has served in a variety of roles, including receptionist, back-up lead teller, lead teller, assistant manager and branch manager.   

There will be a grand opening ribbon cutting held Friday, July 17 with celebration events held throughout the following week. The branch is located at 10608 South Eastern Avenue, Suite E Henderson, NV. Branch hours are Monday – Friday 9 a.m. to 6 p.m., Saturday 9 a.m. – 3 p.m.

With a strong commitment to servicing its members, Horizon is the second branch opening thus far in 2015. America First has 111 branch locations servicing Utah and Southern Nevada.

For more information, visit www.americafirst.com, America First Credit Union on Facebook, Twitter, @AmericaFirst on Instagram and Pinterest

America First Credit Union Donates Scholarships to Students at American Legion Utah Boys State Camp

Riverdale, Utah –  In efforts to help others achieve something great in academics,America First Credit Union recently donated $2,000 in scholarships to two students during the American Legion Utah Boys State summer youth camp at Weber State University. Recipients Tyler Evans from Duchesne High School and Carter Whitby from the Northern Utah Academy for Math, Engineering and Science (NUAMES) each received $1,000 in scholarship funds for use at a Utah college or university of their choice.

The recipients were chosen based on economic need. Evans and Whitby will be seniors during the 2015 – 2016 academic school year.

The American Legion Boys State program is the country’s premiere summer youth camp designed to develop leadership and promote civic responsibility in young men. Created in 1935 to combat the rise of radicalized youth groups in other countries, Boys State instills in youth a deeper appreciation of how government works as well as the rights and responsibilities of citizenship. Boys State is available to young men who have completed their junior year of high school and receive a recommendation from school officials.

For additional information, visit www.americafirst.com, America First Credit Union on Facebook, Twitter, @AmericaFirst on Instagram and Pinterest

America First Credit Union Unveils Revolutionary Member-Controlled Security Tool

-Card Guard allows members to manage card use via smartphone device-

Riverdale, Utah –  America First Credit Union today unveiled a revolutionary security tool, known as America First Card Guard, further protecting members and enabling them the power to control when and how any of their credit, debit or ATM cards are used.  Members can be alerted on every transaction and attempted transaction. The free tool, available for download via an iPhone or Android app, allows members to manage their Visa® credit, debit and ATM cards through a smartphone device.

Providing added security in a safe and convenient way, Card Guard enables members to determine where they want to use cards by setting location boundaries or using the location of the member’s smartphone.  Members can also set per-transaction spending limits and/or allow card use only from specific merchants or transaction types.  Members can also turn card capabilities off altogether if they choose.

“This is a colossal advancement in technology that will give our members control over where and when their cards can be used,” said Brice Mindrum, Mobile Services Manager for America First Credit Union. “Our members will love the alerting function that happens in real time on every transaction.”

In efforts to continuously offer the latest technologies and advancements for members, America First Card Guard builds on the way members interact with the financial institution. Members can opt to receive alerts if a transaction is attempted and will receive alerts on all denied transactions. 

“We’re dedicated to providing the utmost security for our members, while simultaneously providing them with advancing technologies to manage their finances,” said Rich Syme, Executive Vice President of Electronic Services and Product Management for America First Credit Union. “We’ve partnered with reputable technology company, Ondot Systems, who created this technology, for this exciting new tool, giving members proactive control and instant visibility over the use of their debit and credit cards.”

America First Card Guard is available for download via Apple’s App store or Android’s Google Play store.

For more information, visit www.americafirst.com, America First Credit Union on Facebook, Twitter, @AmericaFirst on Instagram and Pinterest