Did You Know . . .05/13/2013
There is a reason credit unions are exempt from income taxes. It's because all credit unions are not-for-profit cooperatives that are owned by their members. And while the members come from all walks of life, by and large those who belong to credit unions are everyday people - 96 million of them, in fact, across the U.S. As not-for-profits, credit unions return what they earn to their members in the forms of lower rates on loans, higher returns on savings and lower and/or fewer fees. In fact, for every $1 of their tax exemption, credit unions return $10 to consumers in better rates and lower fees. That's a solid investment in our communities.
Now, some (mostly banks) say credit unions should pay income taxes, even though it was banks (not credit unions) that took huge governmental bailouts. The truth is, if credit unions were taxed - and remained not-for-profits - it's unlikely their members could continue to receive lower rates on loans, higher savings return, and low fees. You might say taxing credit unions is really a tax on 96 million credit union members. To learn more about credit unions, visit aSmarterChoice.org.
ATM Fee Change Reminder04/24/2013
As stated in the January 2013 Newsletter, the fee structure for ATM transactions changed on April 1, 2013 to the following:
- Unlimited free transactions at FDLCU owned ATMs located at 91 N. Pioneer Rd. and 126 N. Main Street (Police station parking lot).
- 5 free transactions per month at ATMs not owned by FDLCU.
- $1.00 for every additional transaction at ATMs not owned by FDLCU.
As always, you may be assessed a fee by the financial institution who owns the ATM.
Why the changes? Each time you use an ATM that belongs to someone else, your credit union has to pay that ATM owner a fee and our fees have increased. Why not use an FDLCU ATM so we all save?
If your debit card is tied to your checking account, you may receive cash back with no fee when using your PIN at participating merchants.
It's Money Smart Week!04/22/2013
There are many financial related presentations taking place at the Fond du Lac Public Library this week - all free to the public. Check the library's website for a complete listing of topics and times. Be sure to take the kids on Saturday at 10:00 for The Big Read storytime and Penny the Pig! Each family receives a free book AND a Penny the Pig Bank!
SUPER SLEUTH CLUE # one04/08/2013
Ok all you Super Sleuth Detectives - 4/8 Day one anwser is: SAVE
GOOD FRIDAY HOURS03/25/2013
FDLCU will be closed from Noon to 3 p.m. on Friday, March 29th.
It's America Saves Week!02/25/2013
America Saves Week is coordinated by America Saves and the American Savings Education Council. Started in 2007, the Week is an annual opportunity for organizations like FDLCU to promote good savings behavior and a chance for individuals to assess their own saving status. Check out our daily Savings tips on Facebook and if you are age 5-15 (or know someone who is)enter the contests we have going on this week! Ages 5-8 Click here Ages 9-12 Click here Ages 13-15 Click herefor details and the application!
Money Smart Week Coming Soon!02/12/2013
This year Money Smart Week is April 20 - 27. The Fond du Lac County Money Smart partners will be kicking off the week of financial education with a Women's Conference on Saturday, April 20. Many free presentations will be held at the FDL Public Library during the week including Family Day at the Library on Saturday, April 27. More details to follow!
Important Notice for our Members re: Credit Card Surcharges01/10/2013
Beginning January 27, 2013, Visa and MasterCard will allow merchants to pass along their payment processing costs to consumers who pay with a credit card. This would mean that a merchant who chooses to exercise this new right could impose a surcharge, sometimes referred to as a "checkout fee," that could increase your credit card purchase amount by as much as 4% (maximum allowed). Under the settlement:
-The surcharge cannot exceed the amount that the merchant actually pays to accept credit cards--normally between 1.5% and 3% of the transaction amount.
-Surcharges can be imposed on credit card transactions only, not on purchases made with debit cards or prepaid cards.
-Merchants must disclose the credit card surcharge clearly--at the store entrance and the point of sale or on the homepage if the merchant does business on the Internet.
-The disclosure must include the amount of the surcharge, the fact that the fee is being charged by the merchant, and that the fee does not exceed the merchant's cost to accept credit cards.
-The dollar amount of the surcharge must appear on the transaction receipt.
Merchants are not allowed to impose a credit card surcharge in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma or Texas, where such fees are prohibited under state law. For more information go to www.knowyourcard.org
Hoping your holidays are merry and bright!
- Monday, December 24th - Close at noon
- Tuesday, December 25th - Closed
- Monday, December 31 - OPEN REGULAR HOURS
- Tuesday, January 1 - Closed
FDLCU CLOSED THANKSGIVING DAY11/19/2012
Fond du Lac Credit Union will be closed Thursday, November 22 for Thanksgiving Day. Happy Thanksgiving everyone!
Join Us October 18!10/16/2012
Thursday, October 18 is International CU Day! Credit Unions around the world will be celebrating the fact that Members Matter Most. Stop in for a little treat. While you're here, enter to win 2 Packer tickets, and from 12:30 to 4:00 enter AAA's drawing for a prize! It's our way of saying we appreciate your business!
Welcome Tim Cook!10/12/2012
At Fond du Lac Credit Union, we recently welcomed Timothy J. Cook to our team as Director of Lending. Tim has over 20 years of experience. He served as Assistant Vice President, Mortgage Banker for M&I Bank in Mayville, WI for thirteen years. He worked six years as a Loan Officer for Marshfield Medical Center Credit Union and was a Branch Manager for Firstar Bank. He also worked in finance for Homan Auto Sales in Waupun. Tim Cook received his Business degree from the University of Wisconsin - Whitewater. He is very active in the Waupun community, serving on the Board of Directors for the Central Wisconsin Christian School. Cook will oversee the Mortgage and Consumer Lending area at Fond du Lac Credit Union.
CLOSED FOR LABOR DAY08/22/2012
Fond du Lac Credit Union will be closed Saturday, September 1 and Monday, September 3 in observance of Labor Day. We will open at 8:00 a.m. Tuesday morning. Have a safe and fun-filled holiday weekend!
Real Estate Today - Thanks Brooke!07/19/2012
A big Thank You to Brooke Boyle of Roberts Homes & Real Estate for sharing so much useful information during her presentations this month. Everyone who attended left with tips they can personally use!
Closed July 4th06/16/2012
FDLCU will be closed Wednesday, July 4th in observance of Independence Day. Have a safe holiday!
AVOID ATM FEES06/08/2012
Due to the change in ownership of the White Pines BP Gas station on Hwy 151 and V, Fond du Lac Credit Union will no longer be able to keep an ATM at that location. The ATM will be removed from that location on June 15. To avoid ATM fees please use our ATMs located at 126 N. Main Street and 91 N. Pioneer Rd. We apologize for the inconvenience!
Closed in Observance of Memorial Day05/21/2012
FDLCU will be closed Saturday, May 26 and Monday, May 28 in observance of Memorial Day. We will open at 8:00 a.m. on Tuesday morning.
Congratulations to Our Youth Week Winners!04/30/2012
Sam Flood was the winner in this year's Youth Week coloring contest and Ashley McEathron won two tickets to Noah's Ark! A big THANK YOU to all the kids (and parents) who participated in our National Credit Union Youth Week events!
Have Kids Enter the Dollar Design Contest!04/06/2012
Money Smart Week is quickly approaching! Have your kids in grades K-5 participate in the Money Smart Dollar Design Contest! Entry forms are available at the Fond du Lac Public Library, FDL Credit Union and other financial institutions in Fond du Lac. But hurry! Entries must be submitted to the Library by April 14!!
Hours Closed Good Friday03/13/2012
On Friday, April 6th. We will open at our regular time of 8:00 a.m., close from Noon to 3:00 p.m. in observance of Good Friday, and re-open at 3:00 p.m.
Please join us at Fond du Lac Credit Union's 58th Annual Meeting at the Credit Union Office, 91 N. Pioneer Road on March 15, 2012 at 6:00 p.m.!
Thank you to all our members for purchasing Hearts and Links during the month of February for Children's Miracle Network. Our chain of hearts grew and grew all month long thanks to your generous donations. We raised $581 this year. We thank you and the kids thank you!!
America Saves Week: Feb 19-26!02/06/2012
Set a Goal, Make a Plan, Save Automatically - That's what this year's America Saves Week is all about! There are many ways to save, but saving automatically is one of the most effective ways. Your Credit Union has lots of ways to help you with that. You can:
- Have a money automatically transferred to your savings account from your direct deposit to checking (there's NO minimum - start with $1.00 if that's what you can afford!)
- Sign up for Change to Saving. When you use your FDLCU debit card to make a purchase, we'll round up the purchase to the next dollar and transfer the difference to any savings account - even a Christmas Club Savings!
- Open a Spare Savings account to save for something in particular instead of using a credit card.
Let us know how we can help you save!
February is Children's Miracle Network month at FDLCU!02/01/2012
February is the month when Credit Unions accross America join together to support their local Children's Hospital. Money raised in the Chain of Hearts campaign at FDLCU stays right here in our community. Please consider "buying" a heart for $5 or a link for $1. Do it for the kids!
FREE Session "Grocery Shopping Strategies"01/31/2012
Join the Money Smart Makeover Challenge contestants at a FREE session called "Grocery Shopping Strategies" at 6:00 p.m. on Wednesday, February 15 at the FDL Public Library. Who couldn't use some money-saving tips? Everyone is welcome!
College Scholarship Available!01/19/2012
If you are a high school senior planning to atttend a Fond du Lac College and a member of Fond du Lac Credit Union, you may qualify for Fond du Lac Credit Union's $500.00 Scholarship. The application is right here on our website. Just click on About Us, then Applications & Forms, then Scholarship Application. Check it out today! The application deadline is April 1, 2012.
Internet Banking Unavailable Jan. 212/27/2011
Due to computer maintenance, Internet Banking will be unavailable on Monday, January 2 from 5:30 a.m. until possibly noon. We apologize for the inconvenience.
CLOSED FOR THE HOLIDAYS12/09/2011
FDLCU will be closed Saturday, December 24 and Monday, December 26th for the CHristmas Holiday. We will also be closed Monday, January 2 for the New year Holiday.
We wish you the Merriest Christmas and a Happy & prosperous New Year!
Internet Bill-pay gets an update10/15/2011
Due to a system update, Internet Bill-pay will be unavailable Saturday, October 22 from 4:00 a.m. to 7:00 a.m. CST. We apologize for any inconvenience this may cause you!
International CU Day is October 2009/23/2011
As we celebrate International Credit Union Day on October 20, 2011, we demonstrate - with more than 186 million people worldwide - that we're all part of building a better world. Stop in on Thursday, October 20th and enter to win a pair of Packer tickets!
Closed in Observance of Labor Day08/09/2011
Fond du Lac Credit Union will be closed Saturday, September 3 and Monday, September 5 in observance of Labor Day. We will open at 8:00 a.m. Tuesday morning!
CU Employees Lending a Helping Hand08/01/2011
This month (August) FDLCU employees will be helping the Salvation Army by donating "Friday jean day" money to purchase school supplies for children of low income families. If you are fortunate enough to be able to afford an extra package of pencils or a few pocket folders - or you just want to contribute a dollar or two, feel free to drop off your contribution at the Credit Union! The families will be glad you did!
ACT NOW! - Veto Anti-Credit Union Conversion Language06/21/2011
ACT NOW! - Veto Anti-Credit Union Conversion Language from the Budget Bill. The Budget Bill adopted by the Legislature includes a pure policy initiative relating to the charter conversion of credit unions to stock banks. This language should be vetoed from the budget and considered as separate legislation. Click here to tell law makers you want them to veto! http://capwiz.com/cuna/wi/issues/alert/?alertid=50691551
Closed In Observance of Independence Day06/10/2011
We will be closed Saturday, July 2 & Monday, July 4 in observance of Independence Day. We look forward to serving you at 8:00 Tuesday morning! Have a safe & happy holiday weekend!
Join Us At Walleye Weekend!06/10/2011
Fond du Lac Credit Union is happy to bring the band Verona Grove to Walleye Weekend! We'll be on the Y100 stage at 3:30 Sunday (June 12)throwing t-shirts to the crowd! Hope to see YOU there!
CELL PHONES FOR SOLDIERS05/25/2011
More than 150,000 troops are serving overseas and are away from their families. Cell Phones for Soldiers and McNamara & Thiel Insurance Agency are calling on Wisconsinites to support these brave Wisconsin men & women by donating cell phones are no longer being used. The phones are either re-used or recycled and the money goes to purchase prepaid calling cards for soldiers.
Fond du Lac Credit Union is happy to be a drop off site for your unused cell phones. The collection will run through August 1. Let's provide families with a much-needed connection to their loved ones overseas.
Cell Phones for Soldiers was founded by teenagers Robbie and Brittany Bergquist from Norwell, MA with $21 of their own money. Since then, the non-profit organization has raised almost $2 million in donations and distributed more than 500,000 prepaid calling cards to soldiers serving overseas.
Contact Congress on debit interchange rule delay!04/15/2011
Ask them to Stop, Study and Start Over
Credit unions issue debit cards and credit cards to their members. Interchange revenue from the use of these cards is vital to credit unions to support the administrative expense of card programs.
Interchange fees allow business costs, including operating expenses, fraud risk management, and the risk of consumer nonpayment, to be shared by the payments participants. As part of the Dodd-Frank Act, Congress enacted provisions that regulate the debit interchange rates and give merchants more control over a consumer’s use of debit cards and credit cards at the point of sale and the route through which the transaction is processed. Further complicating matters, the Dodd-Frank language prohibits the Federal Reserve from taking into consideration all of the costs of the payment system when regulating the debit interchange fee to establish a debit rate that is “reasonable and proportional” to the “incremental” cost of the individual transaction.
Legislation (H.R. 1081 / S. 575) has been introduced in both chambers of Congress to delay the Federal Reserve’s rule and study the impact of interchange fee regulation on consumers, merchants and financial institutions.
Grassroots Action Requested
Please send messages to your federal legislators TODAY urging them to cosponsor S. 575 or H.R. 1081, and thanking those who have cosponsored the bills. Prewritten letters are available at the Credit Union Grassroots Action Center http://capwiz.com/cuna/home/, where you can quickly personalize and send messages to the appropriate legislators based on the address you enter and each legislator’s cosponsorship status.
Help for the homeless03/07/2011
Help The Homeless Hygiene Drive March 1 – 27. We may take having a toothbrush or a bar of soap for granted, but there are many people who don't.
Fond du Lac Credit Union is a drop off site for the Homeless Hygiene Drive. All donation will help local shelters and programs in the Fond du Lac area. Donation ideas: bath tissue, diapers/baby care, deodorant and dental care items.
So next time you're at the store, why not pick up an extra item or two and drop them off at the Credit Union? You'll be helping someone more than you know!
Doing it for the Kids!02/15/2011
It's February, and at Fond du Lac Credit Union that means the Chain of Hearts for Children's Miracle Network!
If you've come in to the lobby or stopped through the drive-up, you've probably been asked if you'd like to purchase a "link" for $1 or a "heart" for $5.
We do it for the kids. The funds raised go to our own Children's Hospital - and that's important to us. Our Friday jean-day donations this month will also go to Children's Miracle Network.
So when you're asked, why not donate a dollar for the kids? They're worth it!
New Credit Card Scam Alert02/10/2011
The scam works like this:
Person calling says - 'This is (name), and I'm calling from the Security and Fraud Department at VISA. My Badge number is 12460, Your card has been flagged for an un usual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona?' When you say 'No', the caller continues with, 'Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?' You say 'yes'. The caller continues - 'I will be starting a Fraud Investigation. If you have any questions, you should call the 1- 800 number listed on the back of your card (1-800-VISA) and ask for Security. You will need to refer to this Control Number. The caller then gives you a 6 digit number. 'Do you need me to read it again?' Here's the IMPORTANT part on how the scam works - The caller then says, 'I need to verify you are in possession of your card'. He'll ask you to 'turn your card over and look for some numbers'. There are 7 numbers; the first 4 are part of your card number, the last 3 are the Security Numbers that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the last 3 numbers to him. After you tell the caller the 3 numbers, he'll say, 'That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?' After you say no, the caller then thanks you and states, 'Don't hesitate to call back if you do', and hangs up. You actually say very little, and they never ask for or tell you the card number.
Never give out any numbers to someone who is calling YOU! Your financial institution and credt card companies have all your numbers and will never ask for them. Feel free to call us at any time if you are concerned or feel you have been a victim to a scam!
Debit Card Fraud Alert12/13/2010
Many debit card holders from Fond du Lac Credit Union and other financial institutions have received phone calls telling them that their debit cards need to be activated and to call a number to do so. Do not call and give out any information! This is a scam. If you have given out information about your debit card please call us immediately!
Thank you for being our guest!12/02/2010
Thanks to every one who attended our Grand Opening on Wednesday, December 1! We were happy to show you around! If you have any questions or weren't able to make it, feel free to let us know next time you stop in.
We're All Moved In!11/08/2010
We've opened the doors to your new Credit Union! Take a minute to stop - we'd love to see you!
Congratulations Packer Ticket winner!10/25/2010
Congratulations to Todd & Esther Lehman! They are the winners of a pair of Packer tickets given away as part of our International Credt Union Day on October 21. Thanks to all who participated and GO PACK!
Follow us on Facebook!10/25/2010
If you're on Facebook become a fan of Fond du Lac Credit Union! Check out our posts and let us know what you think of the new website!
Closing for the Move10/25/2010
Fond du Lac Credit Union will close at 1 pm on Friday, Nov. 5 and will be closed Saturday, Nov. 6. Your FDLCU debit card may have limited access during this weekend. We apologize for any inconvenience you may encounter.
We looking forward to serving you in the new facility on Monday, Nov. 8!
Thank you Days Inn!10/01/2010
Fond du Lac Credit Union would like to send out a big THANK YOU to our business neighbor Days Inn! They have been so kind to not only allow some of our employees to park in their lot, but to allow us to route our exiting traffic through their drive, too! Thanks Days Inn!