Buying or selling a home in Las Vegas?

If your home is currently listed, please disregard this offer. Not valid with any other real estate benefits program. REALTORS® are members of the National Association of REALTORS® and members of the Greater Las Vegas Association of REALTORS®. One Nevada Realty Services, LLC is a wholly-owned subsidiary of One Nevada Credit Union.

At One Nevada Realty Services, you’ll receive:• 5% home listings • Complete representation• Full-service MLS listing with professional

photos and a virtual tour• Marketing on social media

Call One Nevada Realty Services at (702) 682-9196. Current listings available at onenevadarealty.com

Your Local Real Estate ExpertsWith over 130 years of combined experience, 15 professional agents, and a 5% listing guarantee, One Nevada Realty Services has been your home buying and selling partner for over 13 years.

focalpoint

Greetings, fellow Members! Fall has arrived, and you know what that means. Pumpkin spice domination is everywhere. We don’t typically jump on every bandwagon that comes along, but we thought adding a scratch and sniff pumpkin spice

feature to the One Nevada mobile app would be interesting. We’re still beta testing that little feature so in this issue, we decided to give you the next best thing . . . a full run-down of how technology has transformed and helped us spice up our lives. From transportation to reading to TV watching and even banking, technology offers us more ways than ever to stay connected and save time, money and hassle. With today’s smart phones, you can access and manage your money from wherever you are. We believe we offer one of the best mobile apps in the market today. In the last few months, we decided to test that belief. See page 5-6 for the results and explore all that you can do with the One Nevada mobile app. On a sad note, in this issue we also honor the memory of Major General Billy G. McCoy, USAF, Ret., who passed away on August 23. Along with his distinguished military career, General McCoy also served on the One Nevada Board of Directors from 1994 until his passing. With heavy yet grateful hearts, we at One Nevada honor his sacrifice and service to our country, our community and our credit union.

Best regards,

Paul Parrish, President/CEO

CONTENTS

Today’s Technology and our Time-saving Future Page 3—4

One Nevada Mobile App – The Tools You Need Page 5—6

Member ProfileIN MEMORIAM – 1940-2018 Major General Billy G. McCoyUSAF, Ret. Member, One Nevada Board of Directors 1994 – 2018Page 7–8

Yesterday’s Sci-fi is Today’s RealityPage 9–10

Kid Fin-TechPage 11

Serving the CommunityPage 12

Did You Know?Employee FocusPage 13

FOCAL POINT STAFFDeborah Colby, SVP MARKETING/CMO

Jennifer Salvador, AVP MARKETING

Jake Ludens, AVP MARKETING

Lisa Jansen, AVP MARKETING — NORTHERN NEVADA

Jara Pearson, DIGITAL MEDIA STRATEGIST

Greg Pace, SR GRAPHIC DESIGNER

Focal Point is produced quarterly by One Nevada as a service to our members. Our goal is to help you understand all that membership offers you, provide financial education and present topics important to you.

Copyright ©2018. One Nevada Credit Union. All rights reserved. Reproduction, in whole or in part, without written permission is prohibited. Insured by NCUA. Equal Housing Lender.

Send comments and suggestions to:

One Nevada Credit UnionFocal Point2645 South Mojave RoadLas Vegas, NV 89121

Marketing@OneNevada.org

For address corrections, please speak with a Financial Service Representative or call us.

To find a branch in your area, go to OneNevada.org or download our mobile app.

or generations, we’ve fanaticized about flying cars, teleporters and wild technologies that would give us unlimited free time. That future has not happened. Yet. But the technology we do have isn’t just giving us more free time, it’s also changing the way we interact with the world around us.

HOW WE FIND ANSWERSAlready, Google and other search engines save us time by answering every question we have in a split second. Decades ago, if we had a question, we went to the local library and scoured through reference books and other materials until we found it. Or we asked someone really smart and hoped they were correct.

HOW WE TRAVELTravel sites and apps are changing the way we get around. Whether we’re taking a bus, airplane, boat or car, or staying at a hotel or resort, technology is part of the process. Shopping platforms and apps such as Priceline help us find the lowest fares and costs possible. Need more proof? Car rental companies have recently reported less earnings in part, due to rideshare apps like Uber and Lyft.

HOW WE COMMUNICATEEmail and text messages are popular, for sure. But social media and other smartphone apps have made it even easier to communicate with other people around the globe. That includes dating

Today’s Technologyand our Time-saving Future.

and sharing restaurant reviews. We can even get real-time driving conditions with apps like Waze.

HOW WE SHARESocial media isn’t just about communicating with one person at a time, it’s also about communicating with your entire family and long list of friends with a single click or tap. Just upload your latest vacation photos and you’ll get instant feedback on the experience. This has probably been one of the greatest advents when it comes to parents of young children sharing photos and videos with friends and family who might live thousands of miles away.

HOW WE WATCH TELEVISIONIt might seem contradictory, but average adult television viewership is down slightly at five hours and four minutes per day. Researchers say the reduction is due to additional choices, including streaming and commercial free options. Recent reports show that 50% of Americans have a streaming subscription service such as Netflix or Hulu. The time Americans spend watching content on tablets has increased dramatically over the past few years.

HOW WE READStudies show that just over 70% of American adults read at least one book per year. On average, a person will read 12 books in a year. While those numbers are down from past decades, e-readers and tablets have made it possible to take whole bookstores with us on vacation or on the bus. Plus, it has become the preferred way to digest news and other media.

HOW WE SHOPIn-store shopping used to be the thing. It was an American pastime, more or less. Now, Amazon and other online retailers have made it possible to compare prices with several retailers simultaneously and get it delivered faster than ever. Experts predict that online shopping will continue to grow. In addition, near-field communication (NFC) payments are also growing. If you have a smartphone, options such as Apple Pay and Google Pay make it possible to use your smartphone to conduct credit or debit card transactions at the register.

HOW WE BANKTechnology has completely changed how we manage our money. At One Nevada, we continue to bring you the latest in digital banking options, so you can bank wherever you are. To change the way you bank, just download the One Nevada Mobile App and log in to Online Banking. It will save you time by allowing you to deposit checks, pay bills, transfer money, check your balances and find an ATM all from your phone. We’ve also packed it with money-saving tools that allow you to redeem debit card rewards at local retailers, as well as check your credit score and monitor your credit anytime you like.

DOWNLOAD THE ONE NEVADA MOBILE APP for your iOS (Apple) or Android device from your app store today.

Need help? We’re here to assist you in loading the app, getting it working and helping you understand all the features. Just stop by any branch or give us a call at (800) 388-3000.

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CHOOSE YOUR LOG IN • Touch ID – Only your

fingerprint works • Facial Recognition –

Smile! Then access your account

• PIN Login – A secret code only you know

VIEW BALANCES AND TRANSACTIONS

• Check your current balances

• View transaction details• See your full account

statement

STAY IN THE KNOW • Receive low balance

and transaction alerts

FIND ATMs OR BRANCHES

• Map directions to the closest ATM or branch

• Get branch hours

CHECK BALANCES QUICKLY

• Log in and swipe left to see your account balances

ne Nevada’s technology team is always working to stay on top of the latest financial innovations to offer you the best mobile app experience possible. As part of our ongoing improvement efforts, One Nevada recently partnered with a mobile research firm to find out how the One Nevada Credit Union mobile app stacks up against leading financial institutions. We’re excited and proud to report that our app contains more features than several financial institutions apps in Nevada and across the country. In fact, we offer 100% of the most common mobile app features offered by national financial institutions such as Wells Fargo, Bank of America, and Chase. Read on to discover all that you can do with the One Nevada mobile app.

The tools you needO

SEND MONEY OR SPLIT THE BILL• Quick, simple payments to your

friends and family with One 2Pay®

MAINTAIN YOUR BUDGET • With KeepTrack® built right in, you

can manage your budgets and spending with cool graphs

CONTROL YOUR DEBIT CARD • Turn your debit card off when

you’re not using it • Set spending limits to help

keep your budget in check • Don’t shop online? Block

online payments • Don’t need cash? Block ATM

transactions

APPLY FOR A LOAN • Apply for an auto,

mortgage or personal loan 24/7/365

CLAIM REWARDS AND OFFERS

• Claim the cash you have earned from your One Checking Rewards account

• Save monthly with Ca$h Perks offers

Download the latest version of the One Nevada Credit Union app to enjoy all of our newest features and security enhancements. Don’t have the One Nevada Credit Union app? Grab it today for IOS and Android devices.

DEPOSIT CHECKS ANYWHERE

• Take a selfie of your check and deposit with Remote Check Deposit

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The tools you needA L L I N O N E P L A C E.

MAJOR GENERAL BILLY G. McCOYUSAF, Ret.

A Life of Distinguished Service to Family, Country, Community and the Credit Union.

IN MEMORIAM

Board of DirectorsOne Nevada Credit Union — 1994-2018

Commander of the U.S. Air Force Tactical Fighter Weapons Center, Nellis Air Force Base, Nevada, Ret.

ith heavy hearts, we said goodbye to our dear friend and board member Billy G. McCoy on August 23.

General McCoy was a true family man who will be remembered for his service to his country, community and the credit union. General McCoy entered the Air Force in June 1963

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W and served his country with distinction for thirty years, rising to the rank of Major General in 1989. Billy flew 223 combat missions with the 4th Tactical Fighter Squadron out of Da Nang Air Base, Republic of Vietnam. Some of his other notable assignments included squadron commander of the 91st Tactical Fighter Squadron in Bentwaters, England; commander of the 1st Tactical Fighter Wing, Langley, Va.; deputy chief of staff for operations

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through January 2007. The General also served as trustee of the community College of Southern Nevada and was an active member of the Nellis Support Team. The General was a member of the credit union since 1989 and joined the Board of Directors in 1994. He served the Board for 24 years and in that time, he was chairman four times. He will be sorely missed by his fellow board members and family at One Nevada as well as family, friends and all those he touched. May he rest in peace.

of NATO’s Second Allied Tactical Air Force, Rheindahlen, West Germany; and commander of the U.S. Air Force Tactical Fighter Weapons Center, Nellis Air Force Base. Upon retiring from the Airforce in 1993, McCoy had a career at Boyd Gaming serving as Director of Development. He also served as President and COO of Luscombe Aircarft Corporation from 1997 to 2001 while serving on their board from 1997

To read more about McCoy’s military career, visit af.mil/AboutUs/Biographies/Display/Article/106331/major-general-billy-g-mccoy/

To read his obituary, visithttp://obits.reviewjournal.com/obituaries/lvrj/obituary.aspx?n=billy-mccoy&pid=190228668

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Yesterday’s sci-fi is today’s reality. ack in the 1980s, a series of movies called Back to the Future was all the rage. Part two of that trilogy was especially known for its predictions of the future – specifically 2015. Here’s a quick list of the items the filmmakers got right and how those inventions may have gotten their inspiration from a movie about the time-traveling adventures of Marty McFly. TABLETS: In the film, Marty is asked to sign a petition to save the clock tower. The person soliciting funds is carrying a tablet computer and even asks Marty to sign his name and make a donation using the tablet. Sure, it’s a bit clumsier than the models we have today, but the idea is still the same. Today’s tablet computers have taken some of the basic features of a laptop and put them into a more user-friendly device.

DRONES: There are drones everywhere in the movie, including drones that take pictures and video clips for the news. In one scene, police are hauling away one of the movie’s bad guys while much of the media film the event via drone cameras. Today, we use drones for television shows and movies, as well as police and military maneuvers. Additionally, amateur pilots have adopted drones for their home movies as well as other commercial enterprises.

DIGITAL CAMERAS AND VIEWING DEVICES: Back when the movie was made, digital cameras were far-flung sci-fi. But with today’s smartphones, digital photography has become commonplace. In the film, Doc Brown uses a camera-like device. Although he puts the device up to his face, like a non-digital camera, the idea of digital photography did become reality, just as the movie predicted.

ELECTRONIC PAYMENT SYSTEMS: In the film, several instances of electronic payments can be found. These have become a reality with the advent of Apple Pay , Google Pay and even our One2Pay®.

VIDEO PHONES: While the versions of a video phone in the movie are much larger and seem to integrate televisions with video conference calls, today’s smartphones make face-to-face calling quick, easy and very futuristic. Unlike the movie, it’s not easy to hack into another person’s video call.

WEARABLE VIRTUAL REALITY: In Back to the Future Part 2, the scene around the dinner table shows one of the kids wearing what appears to be a virtual reality headset. Surprisingly, this is pretty close to what we have today. Using a smartphone or video game console integration, anyone can utilize virtual reality to watch movies, play games or get a virtual view of a home, office space or shopping area. Even today’s hardware looks similar to what appeared in the film.

SMART SPEAKERS/VOICE ASSISTANTS: Voice-activated appliances such as the Amazon Alexa and Apple Siri have become commonplace in American households. In the movie, Marty McFly makes an order at an 80’s style restaurant with his voice and the assistance of a virtual President Reagan. Who wouldn’t want to talk to a past president when getting directions or making a shopping list?

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Yesterday’s sci-fi is today’s reality.

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e’re all spending more time in front of screens. It’s just a part of modern life, from our smartphones to our work computers, home televisions and tablets. But what about our kids and grandkids? According to research conducted by the nonprofit, Common Sense Media, kids 8 and under are staring at screens for 2 hours and 19 minutes per day. The same study found that those ages 8 to 12 are on devices 4 hours and 36 minutes per day. While the American Academy of Pediatrics urges parents to limit usage overall, for those times when it’s unavoidable, why not use their screen time to teach them about money and finances? Here are a few of the best financial education apps out there for both Apple and Android devices.

RENEGADE BUGGIES — AGES 6 & UPFrom the National Center for Families Learning (NCFL), this fun and visually stunning app teaches kids how to save money while shopping – a good skill to

learn. Players shop online with virtual money, learning how to compare unit sizes, why buying in bulk is sometimes good and the importance of comparing prices.

COST — FREE

PIGGYBOT — AGES 7 & UPThis is the same board game you grew up with, but with a modern twist. Kids still learn about money, insurance, investing and how to make smart financial decisions.

COST — IT’S NOT FREE. IMPORTANT: in-game transactions are available, so be sure to turn “off” in-game purchases (or set a password) before allowing little ones to play by themselves.

SAVINGS SPREE — AGES 7 & UPThis game teaches kids about earning money, how to spend it wisely and how to save. There is an emphasis on short- and long-term savings, why it’s important to give to charity and when it’s smart to invest.

COST — THIS ONE ISN’T FREE, but the 5-star rating says a lot about the value of this app.

BANZAI FOR EDUCATION This isn’t an app, but a premium online financial literacy program being offered at schools throughout our community. Backed by One Nevada Credit Union, Banzai teaches students how to navigate adult finances. Ask your school if they offer Banzai and get your student enrolled today.

ARE YOU AN EDUCATOR? Visit onenevadacu.teachbanzai.com to bring this tool to your classroom.

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EDUCATION

Kid Fin-Tech

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SERVICE KUDOS

DEVINY L. The bankers here are so nice and understanding! They’re very helpful and kind even when you’re confused/worried about your account. I recently went in and had

fraud on my account. Margaret was very helpful and fixed the problem for me. She provided a number for me to call and I was able to get my money back. She was so awesome! Thanks Margaret! You’re the best!

Join us at The Discovery Museum in Reno on Saturday, October 28th for a hauntingly good time at the 8th annual Halloween Trick-or-Treat. Families will trick-or-treat in costume through the museum and enjoy science demos and treats for all of the little ghosts and goblins who attend. Visit us at the One Nevada booth and get a family photo and special Halloween treat.

Tickets: $4 children/$3 adults. For more information, go to nvdm.org

Hundreds of people stopped by our sponsor booth and decorated balloons to build a collaborative art display. We pledged to donate $1 per balloon decorated. Attendees decorated 478 balloons, so we took that number and doubled it, then we rounded up to donate $1,000 to Junior Achievement of Northern Nevada.

We’re very excited to announce our free money management webinars! Learn the basics of financial planning, and create a future of security and opportunities. Whether you’re an employee, member or friend, our webinars are packed with useful info, and are open to everyone. Just make sure to reserve your virtual seat. onenevada.org/BalanceWebinars

UPCOMING WEBINARS:Safeguarding Kids’ Identity and Online PrivacySession 1: Tuesday, October 9 at 10:30 a.m.Session 2: Thursday, October 18 at 5:30 p.m.Today’s youth generation is tech-savvy and connected online. However, parents still play an important role in helping them avoid online hazards such as identity theft, privacy and cyberbullying. This workshop covers important issues including online privacy tips, managing computer settings, smartphone apps, and positive online behavior.

Breezing Through the HolidaysSession 1: Tuesday, November 6 at 10:30 a.m.Session 2: Thursday, November 29 at 5:30 p.m.It may be called “the most wonderful time of the year” but December can also be filled with unwanted debt with holiday spending. Learn budgeting strategies and tactics to avoid that year-end credit card crunch and sidestep debt traps in the future.

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Balance Webinars

COMING UPDiscovery Trick-Or-Treat

Great Reno Balloon Race

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DID YOU KNOW?

EMPLOYEE FOCUS

How long have you been with the credit union and can you tell us a bit about your position? Eight years. I’m the VP of Information Technology. We manage all of the credit union’s digital technologies, including; networking infrastructure, applications, mobile apps, online banking and digital security. The IT team has more than 160 years of combined ONCU experience alone.I’d imagine this position could be quite stressful. What would you say keeps you on your toes the most? I would be stretching the truth, if I said that it wasn’t stressful. However, the rewards far exceed the stress. The desire to provide our members the absolute best financial services is what keeps us on our toes. Pride in One Nevada Credit Union is another thing that keeps us on our toes. With technology constantly advancing, how does the credit union ensure we’re offering our members the latest technology? ONCU invests time and money to keep our IT team trained and up-to-date with the latest technologies. We also consistently nurture the relationships we have with our remote\mobile developers, as well as actively look for new applications to ensure that we are providing the latest technology for our members. ONCU is continuing to gain a proactive grasp on the upside of the new fin tech models and gain advantages of certain beneficial partnership opportunities. This week, two of our team members attended Finovate 2018 in NYC, which is one of the largest fin tech conferences ithe world. We believe the right partnerships hold promise for delivering new produts and services delvered in new ways to our members.What do you see coming in the near future in financial technology? Remote and mobile capabilities continue to be a top priority for us. In 2018, we enabled several new features in our mobile app. For 2019, we are excited that we have many great new enhancements on the horizon including a great new look and feel for our mobile app. Stay Tuned!What do you like to do in your free time? Any hobbies, sports? I enjoy fishing, boating, hiking and spending time with my family and friends.

Jeff TibbitsVice-President Information Technology

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he 100,000 Dollar Gold Certificate is the highest U. S. denomination. Only 42,000 were printed. They were used only for transactions between the Federal Reserve and the Treasury Department. These notes were never issued for public circulation. When the Government stopped using them in the early 1960s, most were destroyed. Only a few are known to have survived. They are housed at the Federal Reserve Bank of San Francisco, the Bureau of Engraving and Printing, and the Smithsonian Institute. It’s illegal for a private person to own one of these notes, and none has ever been in private hands. All 42,000 are accounted for. Source: nutmegcollector.blogspot.com

The $100,000 bill

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SavvyMoney credit score provided is intended to help you understand the factors that affect your credit score and ways you may be able to save money with One Nevada Credit Union loan products. It is not used for loan approval purposes or for determining loan rates. Final Loan rates and approvals are based on information provided to the credit union when you apply for a loan. The credit score found in the credit report may be different than the credit score you see through SavvyMoney. The offers presented are not offers to lend. Terms and conditions and offers are subject to change at any time.

Game On! Your free credit score is now available in Online Banking. With a simple, one time sign up, you’ll have free 24/7 access to your credit score and report. Go to the next level when you subscribe to free credit score email alerts. You’ll receive notifications when something changes in your credit report game. Then

based on your credit score, you can power up your loan savings with better offers. Our free credit score service gives you everything you need to stay ahead in your financial game.

What’s your high score?

PRSRT STDU.S. POSTAGE

PAIDLas Vegas, NV

Permit No. 2020

OneNevada.orgSouthern Nevada Branches12 in Southern Nevada, full branch listing at OneNevada.org.

All branches except Nellis AFB, M – F, 10:00 a.m. – 6:00 p.m.Nellis AFB, M – F, 9:00 a.m. – 5:00 p.m.

Northern Nevada BranchesTwo in Northern Nevada, full branch listing at OneNevada.org.

All branches, M – F, 10:00 a.m. – 6:00 p.m.

Extended Contact Center Hours M – S, 10:00 a.m. – 9:00 p.m. Sunday, 10:00 a.m. – 6:00 p.m.

ATM Locations 44 One Nevada ATMs in Nevada, full ATM listing at OneNevada.org.

Over 46,000 fee-free Allpoint ATMs – visit allpointnetwork.com to find ATMs near you.

Lost/Stolen Cards To report lost or stolen credit cards: (800) 449-7728

To report lost or stolen debit cards: (800) 528-2273

24-Hour Debit Card Help Fraud / Disabled Visa Debit Card: (866) 664-9364

Bill Pay SupportMetavante Corporation: (866) 873-9580

Mobile Banking AppsApple App Store: Search “One Nevada Credit Union”

Google Play Store: Search “One Nevada Credit Union”

Holiday Closings• October 26 – Nevada Day• November 12 – Veterans Day• November 22-23 – Thanksgiving Day• December 25 – Christmas Day• January 1 – New Years Day

Handy InformationChecking Accounts

One Checking® Rewards— Tons of free services, earn unlimited cash back on debit card transactions, $5 monthly fee.

One Checking®—Tons of free services, no monthly fee with 15 signature debit card transactions per month or $2,000 in average daily balance.

MyChecking—Free youth account for ages 15–17, tons of free services.

Essential—Free account for lower-income members, tons of free services.

Products and Services available to One Nevada Members

Insurance*

Auto—We shop multiple carriers to find you the best rates.

Home—We’ll get you all the protection you need.

Life—Term, whole and mortgage protection.

Renters—Protects your personal property and provides liability protection.

AD&D—Covers you in the event of death or loss of a limb, sight, speech or hearing due to an accident.

Credit Life & Disability—Pays off your loan in the event of death, makes your payments in the event of a disability.

Umbrella—Get liability coverage above the limits of your auto and home policies.

Guaranteed Auto Protection—Helps cover the difference between the balance of your loan in an emergency.

Savings AccountsPrimary—Smart, simple savings.

Special Share—Save for a special occasion such as a wedding, anniversary or vacation.

Share Certificates—Federally insured with terms from 3 months to 4 years, $1,000 minimum balance.

MoneyMaker—Flexible and federally insured savings at competitive rates.

Preferred Money Market—Earn a higher rate if you have a relationship with our Investment Group.

IRAs—Roth, regular and Coverdell Educational IRA options available with Share Certificates and MoneyMaker.

Investments**

401K Rollovers—Many IRA rollover options available.

Annuities, Mutual Funds and Brokerage Accounts—Get income you need for retirement.

Financial Planning—Local representatives are ready to personally assist you and your family’s needs.

Retirement Planning—We’ll help you plan income strategies and inheritance strategies.

**Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. One Nevada Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

*Products are not NCUA/NCUSIF insured and are not guaranteed or obligations of One Nevada Credit Union. Property, casualty and life insurance offered through One Nevada Insurance Services, LLC. IMPORTANT DISCLOSURE: To offer you an accurate quote, we may need to collect information from consumer reporting agencies, such as driving record, claims and credit history reports. Future reports may be used to update or renew your insurance.

LoansAuto—New, used and refinance.

Home Loans—First, second, home equity and home equity lines of credit.

Personal—Signature, emergency, lines of credit, share secured and credit builder.

Business—Specializing in commercial real estate lending.

VISA® Credit Cards—Low-rate, low-fee Signature card with CU Rewards™ and cash back options available.

Advance Pay Short Term Loans—Borrow up to $1,500 for two weeks for less than the other guys.

Realty Services129 combined years of experience representing buyers and sellers.

Remote Banking ServicesMobile Apps—Manage your account with your smartphone or tablet, pay bills, deposit checks or send money.

Allpoint ATMs—Enjoy 46,000 fee-free ATMs nationwide.

Ca$h Perks—Get rewards based on where you shop everyday with your debit or credit card.

KeepTrack®—Pull all of your outside accounts right into your One Nevada online banking account.

Online Banking—View your accounts, transfer funds, apply for loans and more.

Online Bill Pay—Pay bills online for free.

E-Statements—Save paper and postage.

Social Media—Keep in touch with the credit union via Facebook, Twitter and other online sites.

Account Alerts—Sign up for text or e-mail alerts for information about your account.