News

KBR Heritage Federal Credit Union
Dedicated to providing members with Personal Superior Financial Service

New Year means New Changes!

We’re in the process of making many changes to our website and online banking sites. Starting in January 2012 you will begin to notice these changes taking effect. The following are changes that we will be making to improve your online experience:

New Website
Our two most requested signature loan offers have been extended for a limited time only! We have also extended the terms on both of these loans to make them more accommodating to your needs. You can mix and match the APR, amount and terms to suit all your needs.

*NEW* OFFERS EXTENDED, TERMS EXTENDED
We are redesigning the KBRHFCU website. This new site will be sleek and clean with a more modern look and feel. We are incorporating some valuable information into this site as well. During the switch you shouldn’t have any technical difficulties logging into online banking and overall there should be little to no technical issues with the site.

creditunion@kbrhfcu.org

NEW YEAR, NEW CHANGES

New Online Banking (Netbranch 4.0)
We've finally made the switch to NetBranch 4.0! The new NetBranch still has the features and functionality you were accustomed to, but with more choices, freedom and conveniences than ever. We hope you enjoy the new features, like easier-to-use screens and more options with one-time and recurring transfers. In case you haven't logged in to the new NetBranch 4.0, please read the below information on how it will affect you.

How will this affect you?

While all of your personal information and banking information will stay un-touched, you will notice that the first time logging in will require a few extra minutes.

The first time you login, you will use your member number as your login ID, just as you’ve done before. After that, you can change it to a new user ID that is secure and easy to remember. You will also be asked to answer some security questions that will help us confirm your identity when you log in later. You will need to do this only the first time you log in even if you have previously used our older version of NetBranch.

After you log in, you will arrive at your home page with you list of accounts, along with some new added features, like a list of additional service we think you may find interesting. Many of your current services will still be set up, like credit card services and bill pay but some, such as scheduled transfers, will need to be reset.

For a demo of the new NetBranch click here...

Platinum MasterCard Accounts are available at the great low rate of only 9.9% APR. Members can enjoy the convenient and affordable way to shop, entertain and make travel purchases. Save Time and Money. Use your KBR Heritage Federal Credit Union MasterCard for all your purchases- gas, groceries, utilities, shopping, restaurants - everything! You'll save time with having just one payment to make each month and you'll save money with our low rate!

Apply today! Call any of our friendly representatives at (713) 753.3022 or email us your request at creditunion@kbrhfcu.org

Monitor your MasterCard account online for additional peace of mind. You can easily check recent charges, payments received, amounts due and more. It's a quick and easy way to stay on top of your finances! Check it out today at www.gotomycard.com.

MyCreditUnion.Gov What Credit Unions can do for YOU!

Created by NCUA's Office of Consumer Protection, www.mycreditunion.gov provides consumers a place to come for any and all information they may have about credit unions. The information on this website compliments the information found at www.ncua.gov. From financial literacy advice to general information and guidance this website will answer any questions you may have about credit unions.

WHAT TO DO

If your Social Security card was stolen or someone is using your number, you should take these steps:

File a complaint with the Federal Trade Commission: (1-877-ID-THEFT or 1-877-438-4338)
File an online complaint with the Internet Crime Complaint Center :
( www.ic3.gov/complaint/default.aspx )
Monitor your credit reports
Call the IRS Identity Protection Specialized Unit and ask to have your account flagged:
(1-800-908-4490)

Source: Social Security Administration

Online Bill Pay

Maybe you have heard about online bill pay through the website before but always thought it would be too difficult to navigate. Now we have a demo that will guide you through the process of signing up and using online bill pay. It will answer any and every question you have about recurring payments, scheduling payments, and just a comprehensive overview of every feature offered through online bill pay. To go to the demo click here . . .

The $2,000,000 Challenge

Do you dream of owning the newest 3D, HDTV or Plasma Television? Or maybe you dream of white sand, crystal-clear, blue waters, and a drink with an umbrella in it. Whatever your needs, you can count on KBR Heritage Federal Credit Union to finance your next major purchase. For a limited time only we are offering you a chance to borrow from $500 to $5,000 at only 3.5% APR and you can finance it for as long as
24 months.

Payment example: $5,000 @ 3.5% for 24 months = $43.20 per $1,000 or $216.01 per month.

Apply Today! Click here to apply online, email us your request at creditunion@kbrhfcu.org or give us a call at (713) 753-3022 for more information.

The $2,000,000 Challenge Contest

Entry game pieces will be mailed out to current members on August 1, 2011 and October 1, 2011. Be sure to bring in your game piece to the office at 601 Jefferson Ave, Houston, TX 77002. At the end of each month, one prize will be given away to the member whose name is pulled. Game pieces will remain in drawing throughout contest unless drawn for a prize. There will be (4) four total prizes awarded. Each prize will be valued around $100.

Eligibility: Members 21 and up who live in Texas
Start Date: August 1, 2011
End Date: December 30, 2011 @ 2:00 p.m. Final drawing will be held that day
Entry Frequency:
One ticket per household will be mailed out on August 1, 2011 and October 1, 2011. Two chances to win if no loan is financed. Extra tickets can be obtained if loan is obtained through KBR Heritage Federal Credit Union. Number of extra tickets is determined by amount of loan(see below):

$500-$1,000 = 1 extra game piece
$1,001-$2,000 = 2 extra game pieces
$2,001-$3,000 = 3 extra game pieces
$3,001-$4,000 = 4 extra game pieces
$4,001-$5,000 = 5 extra game pieces

Buying a Car or Truck should be an enjoyable experience and KBR Heritage Federal Credit Union can help make it one! You already know that you will get the best rates in town for financing but did you know we can help you get the best price on that new or pre-owned vehicle?

Shopping for a New Car? Get the "Ultimate Car Buying Experience" with Dealer Select. They take all the 'headaches' out of shopping for a new car. You probably know what you want-the make & model, and you know what colors you would prefer. With that information, you can log on to Dealer Select's website and let them do the work! You'll be contacted however way you requested (email or phone) with not only the vehicles available but with the price too! How easy is that!

Get the 'Ultimate Car Buying Experience at www.123Car.com

Don't forget to get PreApproved for your New or PreOwned Auto!
Our friendly staff is ready to serve you right now!

Looking for a "Good" Pre-Owned Auto? Member Auto Sales is a credit union owned sales outlet, developed to offer a friendly alternative to the traditional hassle and haggle associated with pre-owned automobile buying. They have an extensive inventory, great prices and each vehicle has a "CAR FAX" report for your peace of mind! Check out their website at www.memberautosales.com .

New & PreOwned Auto Loan Rates are down! Nationwide, auto sales are down and Dealerships are offering some great incentive packages to get you to buy a new car today! Take advantage of these great incentives and rebates. And when you finance your new auto with KBR Heritage Federal Credit Union you'll really save some big bucks!

New & PreOwned
Autos loans can be financed for as low as...

Additional rates and terms are available too. And remember, your trade-in and most dealer and
factory rebates are considered as part of your down payment, making it even easier to get the
lowest rates possible!

Payment Examples:

Auto Loans at 2.9% financed for 60 months = monthly payments of $17.93 per $1000.
Auto Loans at 3.4% financed for 60 months = monthly payments of $18.15 per $1000.
Auto Loans at 4.4% financed for 60 months = monthly payments of $18.60 per $1000.

Rebate vs 0% financing - Which is a better deal for YOU?

There's no doubt that auto dealers are hurting in today's economy. And offering you 0% financing sounds like a really good deal. But is it? Here are some important things to consider:

You've got the great credit and are probably one of the few who can actually qualify for the 0% financing. But what are the terms? Typically, the terms are limited to 24 or 36 months. You can afford it but do you really want to be obligated for the higher payments?
Is the rate good for the car you want? Promotional rates usually apply to their less popular or most expensive vehicles.
Are there any fees associated with the rate? Any application or prepayment fees? If so, these could substantially reduce your savings.

Online Mortgage Approval in Minutes!

In the past, finding the right home loan meant finding time to research different loan options, filling out a long application, and waiting for an answer. Not anymore! Our online mortgage consultant is available 24 hours a day and delivers an answer in minutes!

Online Calculators let you run different financial scenarios to help you determine just the right loan or refinancing option. You can determine what you can afford, what your payment and interest would be with different terms, even get estimated closing costs without ever leaving your home or office. You can even sign up for "Rate Tracker" which notifies you via email when the interest rate or payment you are seeking becomes available.

Once you decide which loan best fits your lifestyle, there's an information checklist to help you gather all the financial information needed for the application. To apply online, all you have to do is answer a few simple questions about yourself and co-borrower if there is one, your property, and your income, debts and assets. A private password allows you to save information between visits. Although the process is so simply you can easily do it in 15 minutes.

Next, submit your application and in approximately 3 minutes, you have your answer! If approved, you can even print an approval letter right from your computer to take to builders, sellers and realtors, giving you valuable negotiating power.

When you've been approved, a mortgage representative will contact you within one business day to obtain any further documentation and to begin processing the loan. We'll help you prepare everything you need for closing.

To take advantage of our online mortgage approval service, click here!

Online Banking from virtually anywhere! Enjoy the ease and convenience of 'banking' from your computer or mobile device whenever it's convenient for you! And at no additional cost! Check your balances, transfer funds, see what items have debited and credited to your account.

Sign up today! It's easy! Just log on to Netbranch, our Online Banking program and click on the
"Learn More about Netbranch and How to Enroll" link just under the large NCUA logo.

Pay Your Bills Online - Easy, Safe and Free. iPay, our online bill payment program is a great way to keep track of your bills and your payment history. The basic program allows members to :

Schedule single payments
Schedule recurring payments
View Payment History
Ability to purchase Gift checks
Provides 24 x 7 Web Access to account information

For members who want more, the iPay PLUS program is available for just $5 a month. This program includes all of the above features plus the following:

Bill payment reminder emails
Ability to pay bills from multiple accounts
Memo and comment fields for payments
Pending payment calendar
Second email address option
Management of payees using categories
Ability to make inter-bank transfers (Me2Me)
Ability to email payments to friends (P2P)
Schedule multiple payments per page

Get started today! Simply log into Netbranch, (Online banking) and click on the 'Services' link
on the left hand side.

Shared Branches - We're all about Easy! And providing our members with Easy access to their accounts is a high priority for KBRHFCU! Through our affiliation with other credit unions, we are able to provide our members with access to literally thousands of Shared Branches across the United States .

Shared branching allows members to conduct most transactions just as you would if you were in our office. With so many locations, you'll want to save the link as a Favorites! You will then be able to find a branch while you are away from home, on vacation, on a business trip or simply out running errands. Log on to www.cuservicecenters.com to find out just how many are around you right now. The website will show you their hours and location and even provide you with a map. Now that's convenient and
easy too!