The Credit Union will be closed on the following holidays!

• Thursday, November 28, 2002 Thanksgiving Day
  
• Tuesday, December 24, 2002 Christmas Eve
  
• Wednesday, December 25, 2002 Christmas Day
  
• Wednesday, January 1, 2003 New Year´s Day

Member´s still receive 24 hour services with PAL@NET, PAL, Debit Cards, Checking, Visa Cards, Service Center Branches and ATM´s. Make sure you are prepared and sign up for services which give you access to your funds when you need them.

Santa will be here at the Credit Union on December 4th and 5th from 1:00 pm to 5:00 pm.  Come in have a free picture taken with Santa and receive a gift.

If you like our PAL phone access system you will really like the next generation which is PAL@NET. This free product will allow you to access your account through your PC. You can verify account balances, transfer funds between accounts, make loan payments, find out when your direct deposits were posted, reorder checks, download your account history, place stop payments on checks and much more!

For your security, when you sign up for PAL@NET online, you will receive your computer generated PIN and password by mail, and it will only be sent to the address we have on your file. Plus, if you choose to use PAYBILLS@NET you will be able to pay your bills via the computer. For a $5.00 monthly fee, you can simply pay your bills online.

The following brochure is intended to provide you with guidance to assist you in protecting yourself on-line.  It is designed to offer information to assist in:

• Determining if a Web site is indeed that of the credit union;
  
• Verifying if the share deposits of the on-line credit union are insured by NCUA;
  
• Keeping personal information private and secure;
  
• Finding assistance if they have concerns about their on-line accounts, suspect fraud, or become a victim of identity theft; and
  
• Locating helpful on-line consumer resources regarding the internet.

Would a little extra cash help you breeze through the season?  See us for a Winter "Green" Loan!  In one easy step you can get the money you need for:

• Holiday Shopping
  
• A Winter Vacation
  
• Home Improvement

Once the season is over, you´ll enjoy easy affordable payments with our special rates as low as:

• 7.50% APR*
  
• Terms up to 12 months
  
• Save an extra .25% apr by setting up automatic payments

This offer is valid from November 1, 2002 through December 31, 2002.

*APR (annual percentage rate).  Quoted rate is the lowest available rate.  Your rate will depend on your individual credit history and may be higher.

With a pre-approved loan from DCFCU, you can simplify the buying process by securing your financing up front.  We will verify your credit, explain your options and help arrange a loan that will fit your needs.  When you shop for your vehicle, you´ll know exactly how much you can afford to spend, and you´ll avoid high-pressure sales pitches and last-minute financing "surprises".

Attention: Already Financed Elsewhere?

Call the credit union and let us look at your contract and see if we can lower your payments.  We will refinance your auto loan up to a year after purchase at our new car rates.  It is worth a phone call or a trip to the credit union to save money.

Additional Savings on New and Used Vehicle Loans!

If you finance your new or used auto through the credit union we will deduct an additional 1/4% off our already low interest rate if you have your payment paid by automatic payment.

Click here for Autogallery, our newest internet vehicle shopping network.  Search for new, pre-owned and classic vehicles from the comfort of your home.  Search our database for thousands of vehicles from our "Local Preferred Dealer List".  View actual photos of each pre-owned and classic vehicle.

No need to run all over town, simply choose the dealer link through Autogallery for more information.

Don´t forget to get pre-approved by applying online at the same time, so you´ll know exactly how much you can spend and avoid last minute surprises.

Buying or selling a used or classic vehicle:  Check out "Member to Member" classifieds

Verified by Visa adds a new level of service that helps protect Visa cards from unauthorized online use with a personal Verified by Visa password.

Once you have registered your DCFCU visa, it will be recognized when a purchase is made at participating online stores. No password, means no Visa purchase.

Here´s how it works:

Shop at participating online stores, enter your order and visa number and a window will appear prompting you to enter your password. Immediate confirmation of password and your identity is done. Password is verified immediately and you are returned to the online store (after 3 incorrect password attempts, the transaction is denied).

It´s simple, to register or get more information, just visit www.visa.com/verified

The National Credit Union Administration has approved our field of membership expansion, which takes in 15 communities in the Downriver area. The communities are as follows:

Now your friends and neighbors can receive the same benefits as you with Credit Union membership. Have them call or stop in today for full details.