What's New at TVTFCU


October Auto Loan Special
Rates are Falling!

Rate as low as 5.50% apr!*

ALL NEW, USED AND REFINANCED CARS!
Refinance your auto loan from another lender and save money!

Don't miss this special offer!

*Learn more about our October Car Loan Special

 


International Credit Union Day is October 17
Celebrate with us October  15 -18!

On October 17, credit union members around the world will celebrate International Credit Union Day®,  an annual event to commemorate the credit union movement’s impact and achievements. This year marks the 76th anniversary of this annual event, which will be celebrated under the theme of “One World Through Cooperative Finance”. 

Credit unions are not-for-profit financial cooperatives that provide an effective and viable alternative to for-profit financial institutions for more than 403 million members in 98 countries worldwide. Thousands of credit unions exist globally, providing a variety of financial services for their members, recognized as a force for positive economic and social change.

CELEBRATE WITH US!

Giveaways including a stainless steel TVTFCU Water Bottle!
One per member. While supplies last.

Refreshments

Daily Trivia Question On Our Facebook Page
The first TVTFCU member with the right answer will win a $5 Dunkin Donuts Gift Card!

Free RFID Debit Card/Credit Card Sleeve (If you don't have one already.)
These sleeves are designed to prevent thieves from being able to remotely scan the digital information stored on your debit and credit card. One per member who has a TVTFCU debit card or Visa Credit Card.  Additional sleeves may be purchased for $1.00 each.

Learn more about Credit Unions and access resources


 


Open a Holiday Club Account
Save all year for next year's holiday season!

Our Holiday Club is an easy, convenient way for you to save for your upcoming holiday expenses. You can make deposits through payroll deduction, in person, or by mail to reach your goal. The club matures the first week of November when we will transfer the full amount of your club to your savings account. The club will pay dividends based on available earnings, computed daily and paid quarterly.

Stop in today!
 


Pick Up Your Holiday Visa Gift Cards!

They make the perfect stocking stuffer! We have a variety of designs to choose from and offer a lower activation fee than most retailers.  

Stop in and get some today!

 


Get Everything On Your Holiday Shopping List with our Visa Credit Cards! Starting at 9.99% apr!*

Plus ransfer your balances from your existing high interest rate credit cards and save money!

NO ANNUAL FEE -  NO BALANCE TRANSFER FEE - NO CASH ADVANCE FEE

*Learn more about our Visa Credit Cards

 


Classroom Cash Loan - 0%!*
School staff can borrow up to $1,000 for supplies you need for your students.

Do you need help buying school supplies for your students? We're here to help.

  • 0% interest
  • Borrow up to $1,000
  • Up to 10 months for repayment

*Learn more about our Classroom Cash Loan

 

Want to make some home improvements?
Or do you need cash for something else?
Tap into the equity in your home to get the cash you need with a
Home Equity Fixed Rate Loan or Home Equity Line of Credit!

Home Equity Fixed Rate Loans

Your home is one of the greatest assets you will ever own. Our Fixed Rate Home Equity Loan gives you the opportunity to use this asset in order to pay off high interest credit card bills, outstanding loans, or even just to do some home improvements.

Home Equity Line of Credit

A home equity line is a form of revolving credit, in which your home serves as collateral. Our Home Equity Line of Credit (HELOC) has a variable rate of (Prime + 0) and consists of a "draw period" of 10 years, and a repayment term of 15 years thereafter. Let your home work for you.

*Learn More About Our Home Loans

 


Whether you're looking to buy a home or refinance your existing home, we have the right Mortgage for you!

The Tobacco Valley Teachers Federal Credit Union offers a variety of Mortgages to fit our member's needs.

 

Mortgages offered include:members'

  • Conventional Mortgage

  • Home Ready and Home One Mortgages

  • FHA & 203k Rehab Mortgage

  • Home Possible Mortgage

  • VA Mortgage

  • USDA

  • HomeReady Conventional

  • Reverse Mortgage  (For those over the age of 62.)

  • Mortgage Express (For those looking to pay off their Mortgage in 15 years or less. Only for homes in Connecticut or Massachusetts.)


Mortgages are offered in the following states through our Mortgage partner.*
Connecticut, Massachusetts, Rhode Island, New Hampshire, Maine, Florida, Georgia and South Carolina

*Learn More About Our Mortgages

 


Checking Accounts for Every Stage of Life

Are you content with paying steep fees on your Checking Account with another financial institution, simply because switching would be too much of a hassle? We make switching your checking account hassle-free with our easy Switch Kit. Once you make the switch, we guarantee that you'll love the results, thanks to the benefits that our Checking Accounts provide.

We offer Checking Accounts for the whole family!

  • myChoice Checking Account (ages 16 – 64)

  • myTime Checking Account (ages 65 and over)

  • myChance Checking Account

Learn More About Our Checking Accounts

 

 

Important Update Regarding Checks

Due to an increase in mailbox thefts and fraudulent check washing* in our area, the credit union will no longer be cashing checks for non-members. What does this mean? If you write a personal check from your credit union account or give a credit union official check to an individual(s) that is not a credit union member, the individual(s) will not be able to come into the credit union and get cash for the check. The individual(s) will have to bring the check to their own financial institution to deposit or cash. As always, we encourage you to monitor your account(s) on a regular basis and contact the credit union immediately if you notice any suspicious activity at 860-253-4780.

*Check washing is the process of erasing details from checks to allow them to be rewritten, usually for criminal purposes such as fraudulent withdrawals from the victim's credit union or bank account.

 


Scam/Fraud Alerts

It has come to our attention that there are fraudulent scams going around calling people stating they are from their financial institution. The fraudsters can change the number on the caller id to look like it’s the financial institution calling. Please be careful, when in doubt DO NOT give any information to the caller and contact the credit union directly at 860-253-4780 or 800-749-8305 or stop in.

There has also been an increase in ATM fraud in our local area. Please remember to stay alert and check for skimming devices and/or any apparent damage before using ATM machines.

Here are some examples of skimmers and how to protect your information.

https://youtu.be/2KolQY5cQWk?si=V-kGkLTrrt5ZZpBg

https://youtube.com/shorts/j5ZjS0tJgG0?si=3u5LI1IQI-zukLWu

To learn more about the different types of fraud and how to keep your information safe, visit the

Federal Trade Commission

 


Your money is safe with us.

The news of the collapse and closure of Silicon Valley Bank followed by Signature Bank is unsettling and understandably causing concerns among consumers about the safety of their deposits. The Tobacco Valley Teachers Federal Credit Union remains very safe and very sound.  As a not-for-profit financial cooperative, our first priority are our members we serve.

  • Credit union deposits are insured, safe and secure.
  • Our deposits are insured up to $250,000 per individual depositor – the same level as any federally insured financial institution.
  • Credit union members have never lost a penny of insured savings at federally insured credit unions.
  • Learn more about the credit union difference at YourMoneyFurther.com 
  • Visit MyCreditUnion.gov for more information about the National Credit Union Share Insurance Fund coverage for consumers.

 

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