These are certainly days that create concerns on many levels. We are concerned about both physical and financial health. While concern is natural, excessive concern can be as debilitating, if not more so, than the threat itself. This is particularly true in the area of financial health and well-being.
I have found that information can help relieve a good deal of anxiety that one may have about their financial health. There are resources available to help you in getting the information you need to lower the level of concern.
- In May, the Federal Trade Commission (FTC) announced that the three national credit reporting agencies would be making free credit reports available to consumers on a weekly basis for the next year. Keeping tabs on your credit report is a good way to know if you are staying on track in trying to improve your financial health.
- AFFCU is proud to offer our members a robust collection of online courses available on our website to aid you in understanding the elements of maintaining your financial health.
- If you are experiencing challenges keeping you from being able to make your payments, our caring staff members will give you advice for your particular situation. We are just a phone call away.
Remember, we have a vested interest in your financial success as you are one of the owners of the Credit Union. We take pride in fulfilling that responsibility. You are our priority.
In service I remain,
Relax and let your payment take a backseat!
Whether you’re in the market for a new or used vehicle, or simply want to refinance your existing loan, AFFCU has the best options for you.
We’re offering no payments for 90 days, rates as low as 2.99% APR*, with flexible terms up to 84 months.
The application process is fast and easy. But hurry, this promotion is available for a limited time.
*APR= Annual Percentage Rate as of May 6, 2020 and subject to change at any time without notice. APR based on evaluation of applicant’s credit, age of the auto, and term. Your APR may vary. Not all applicants will qualify for the lowest rate. Monthly payment is based on payment per $1,000 for term and rate shown above. For new auto, estimated monthly payment per $1,000 borrowed at 2.99% APR for 60 months is $17.97. Maximum rate reduction is 50 basis points. No vehicle payment for first 90-days excludes internal refinances and is subject to change at any time. All loans subject to credit approval. Membership eligibility required.
Get Your Free Weekly Credit Report
Now it’s easier than ever to check your credit report more often. Many Americans are concerned about their financial health during this challenging time. With that in mind, the nation’s three credit reporting agencies: Equifax, Experian, and Transunion, have decided to provide people with free weekly access to their credit report for a year. To get your free reports, visit AnnualCreditReport.com.
When reviewing your credit report, be sure to correct any errors you find by notifying the credit reporting agencies directly. If you owe a company money, reach out to the business and ask about postponing your payments, payment plans, or temporary forbearance.
Regularly checking your credit report plays a crucial role in helping you manage your finances. Your credit report contains information about your credit and payment history, which financial institutions and businesses review when you apply for loans or other lines of credit.
1 – Tully, Cathlin. “Credit reports are now free, every week” Federal Trade Commission Consumer Information. Federal Trade Commission, 19 May 2020
Take a Break from Your Loan with Summer Skip-A-Pay
Wouldn’t it be nice to take a break from paying your next loan payment? AFFCU can help you with that! With our Summer Skip-A-Pay program, you may qualify to skip one or more of your eligible loan payments for the month of June, July, or August.
It’s easy to apply! Log in to your account via CyberMAT and click on the ad to the right.
Free up some funds this summer and enjoy the break you deserve! For more information, call us at 210.673.5610 or toll-free at 800.227.5328.
Click here to view a full list of Terms and Conditions
AFFCU would like to thank our members for their strength, patience, and understanding during this challenging time and as we work toward resuming regular business operations.
Effective Monday, June 1, 2020 our drive-thru and Member Contact Center have new hours. Drive-Thru: Monday – Friday 9 AM to 5 PM and Saturday from 9 AM to 1 PM. Member Contact Center: Monday – Friday 8 AM to 5 PM and Saturday 9 AM to 1 PM.
*Note: Our hours vary by branch location. Please visit our Coronavirus (COVID-19) page for more information.*
More Ways to Pay
Have you added your AFFCU Visa® Debit or Credit Card to your mobile device?
If you haven’t you’re missing out! Digital Wallet is a secure, convenient and innovative way for you to access your money when you need it. You can use your digital wallet for more than contactless purchases while shopping. You can pay your friend back for lunch and send cash to a family member.
Better yet, it’s available on Apple, Android, Samsung, Fitbit, and Garmin devices. Ditch your wallet for a digital wallet, today.
The More The Merrier
AFFCU is excited to expand its field of membership to those who live, work, worship, or attend school in Clay, Lowndes, and Oktibbeha counties in Mississippi. The expansion came after approval from the National Credit Union Administration (NCUA).
The Credit Union was welcomed into the Golden Triangle community with the opening of its first branch outside the state of Texas in Columbus, Mississippi in October 2019. We believe our products, services, and outstanding record of member service will positively impact the lives of additional prospective members who before now, would not have been eligible to join the credit union.
AFFCU Loan Relief Program
AFFCU is offering many programs and services to assist our members impacted by COVID-19, including:
- Loan Extension Program – You can now skip your payments for the next 60 days on your eligible AFFCU loan without paying a fee, and we are making the application process easy and stress-free. Simply call our Member Contact Center, answer a few questions and you’re done! If you would like to request a loan extension on your AFFCU loan, call us today at 800.227.5328.
- Pandemic/Disaster Loan – We are offering a special loan for those members encountering financial hardship, and are in need of help with the basics, such as groceries and gas. Our PDL has a maximum amount of $2,500, offers rates as low as 7.00% APR*, and terms up to 24 months. Loan subject to credit approval.
*APR= Annual Percentage Rate as of March 20, 2020 and subject to change at any time without notice. Loan is subject to credit approval. A PDL is available to members in good standing with AFFCU. Rates, terms and conditions are subject to change and may vary based on creditworthiness. Not all applicants will qualify for the maximum loan amount. Some additional restrictions may apply. Membership eligibility required. For a PDL, estimated monthly payment per $1,000 borrowed at 7.00% APR is $44.79.