Sign Up and Skip Your Holiday Loan Payment
Give yourself a little holiday "bonus" this year by skipping your TFCU auto and/or personal loan payments for the month of December. Interest on your loan will accrue during the month your payment is skipped and there is a $25 fee for this service. Some restrictions may apply. Please click here and complete the Loan Payment Skip form today.

Account-to-Account Transfers Now Available on Home Banking
Transfer funds from your account to another member's account directly from your keyboard. To set up this new home banking feature, click here for a copy of the form, print it out, complete and sign the form, and drop it by one of our offices or fax it to us at (209) 835-7079.

Health Savings Account Available at TFCU
Health Savings Accounts (HSAs) have arrived at Tracy FCU! Coupled with a high deductible health insurance plan, an HSA can make health coverage affordable, while creating a tax-deductible account to cover out-of-pocket medical expenses. Funds not used for health care will grow TAX FREE year after year.  Click here for current rates.

New Premier Money Market Account—High Earnings Plus Liquidity
We're offering a Premier Money Market Account for members who want higher certificate type earnings and easy access to your funds penalty-FREE. You can write up to three checks per month ($500 minimum) without penalty. Click here for current rates and full disclosures..

Give a Green Light To Hybrids
If you’re in the market for a new car, why not consider a hybrid vehicle? You can choose from many makes and models and there’s sure to be one that suits your driving style. When you go hybrid, you do your part to improve air quality and you improve your bottom line! Here are some reasons to give a green light to hybrids:

• Get up to 30 miles more per gallon than traditional vehicles.
• Produce 90 percent fewer harmful emissions.
• Receive deductions on your taxes! Check with your tax advisor for possible federal and state tax breaks.

*Annual Percentage Rate. Current rate, including discount, is 5.00% APR as of 07/25/08. This rate is based on good credit and a 72 month term. Rate is subject to change. Other rates and terms are also available.  

We’re Looking Out for You…With Falcon Fraud Manager
Tracy FCU is committed to protecting you from credit and debit card fraud. We’re now using the Falcon Fraud Manager—a state-of-the-art system that looks for unusual or suspicious transactions that fall outside your normal pattern of card usage

For example, if you’ve never had card transactions in England and a purchase is made in England using your card number, Falcon Fraud Manager would issue a suspicious transaction alert. If we’re unable to reach you within 24 hours, your card may be temporarily blocked until we verify that you authorized the transaction.

Traveling? Tell Us First!
If you’re planning a trip, notify us at (209) 832-6450, ext. 202, during normal business hours. We’ll update your account with your travel dates. We also recommend that you take two or more forms of payment with you, such as your TFCU Visa®, travelers’ checks or cash.

Blocked Transactions
If your card transaction has been blocked by Falcon, please call the following number:
Blocked Visa Credit Card Transactions:           

• USA – (800) 437-9392
• International – (727) 576-9000

Blocked Visa Debt or ATM Card Transactions:           

• USA – (877) 505-8474
• International – Call Collect: (651) 361-2021

Now You Can Make Deposits at Select CO-OP® ATMs
In addition to surcharge-free withdrawals, you can make deposits at select CO-OP ATMs. You’ll find over 60 CO-OP ATMs that accept deposits within a 25 mile radius the Tracy. To find one near you, visit www.co-opnetwork.org.

7-Eleven ATMs Are Included in CO-OP ATM Network
7-Eleven stores ATMs are now part of the CO-OP network. Your ATM withdrawals at 7-Eleven stores are convenient and surcharge-FREE. To find a CO-OP ATM near you, visit www.co-opnetwork.org.

Now’s the Time to Open or Contribute to Your 2009 IRA
Now is a great time to open an IRA at Tracy FCU. Even if you don’t have the money necessary to open at IRA certificate, you can still receive high earnings on balances as low as $250. Just open an IRA share account and set up direct deposit with automatic, incremental deposits throughout the year to your IRA and you will be fully funded by tax time next year. Click here for current rates. 

Tracy FCU's Low, Slow Rate on a Home Equity Line of Credit
Need a low-interest loan for home improvements, college tuition, a trip to Europe or to pay off high-interest debt? Tracy FCU' s Home Equity Line of Credit (HELOC) with tax benefits*, is the way to go!

With a variable rate loan, you want an index that moves at a snail's pace. Unlike loan rates that are tied to the volatile Prime rate, our HELOC rate is tied to a very S-L-O-W moving index-the 11th District Cost of Funds Index (COFI). It's about the slowest-moving rate in the industry.

This HELOC features:

• Credit lines up to $200,000
• Convenience checks for FAST and easy access to your credit line
• Low origination fees and no annual fee
• Lower interest rate means lower payments
• Your payment amount changes less often, which helps you budget your monthly expenses.
• You can easily track the COFI in the Wall Street Journal or online

Apply today. Call us at (209) 832-6450 or stop by your nearest TFCU branch office.

*Check with your tax advisor.

Set Yourself Free from Stamps, Checks and Envelopes With FREE Express Pay Bill Payer!

What could be better than paying all your monthly bills—in a matter of minutes—day or night on your computer?  Well, doing it for FREE of course!

Tracy FCU is pleased to introduce Express Pay – our new convenient online bill payment system. Express Pay puts an end to writing stacks of checks, searching for envelopes, buying stamps and rushing to the Post Office to mail your bills. It’s guaranteed to make your life easier. All you need is a TFCU Checking account and access to the Internet.  Why try Express Pay?

• It's easy! Setting up Express Pay takes no more time than you'd spend paying bills the old-fashioned way. Simply enter the account number, payee name and the payment amount for each bill. Unless this information changes, you never have to enter it again!
• It's safe! Express Pay is protected by the latest Internet security technology. Firewalls and a series of proxy servers and routers further protect your personal data.
• Did we mention that it’s FREE?

Save on check re-orders, postage costs and envelopes!  Save your tongue from that nasty tasting glue, too. Sign-up for Express Pay today. Click here to get started.  If you need assistance, please call us at (209) 832-6450.

Internet Credit Card Statements
Tracy FCU now offers eZCardInfo - an interactive tool that gives you complete access to your credit card account information online. Discover the features offered with our new service.

More Surcharge Free ATMs Available in Our Area
Many surcharge free ATM locations have been added in Tracy, Stockton and Modesto. Check out these new locations!

Discount Auto Purchasing Services Available to TFCU Members
Tracy FCU makes several discount auto purchasing services available to you. Check out these various services for the one that is right for you.

Order your checks online! Now you can order your checks online. Click here to begin your order

*APR means Annual Percentage Rate. Rates are subject to change. All loans are subject to loan approval.