And the Winners are…

Ages 3 – 5

1st Place- Logan P                  2nd Place – Isaac W.       3rd Place – Riley W.

Ages 6 -8

1st Place- Gavin P.              2nd Place - Sam C.             3rd Place – Hayley R.

Ages 9 -13

1st Place- Griffin D.          2nd Place – Lexie L.          3rd Place – Ariana A.

Check back soon for more exciting events and contests for Cuga Kid’s Club members!

Dail In:  1-877-261-2352
Conference Code: 35318911

Register Now:

Step 1:  Click on this webinar link:  https://salliemae.webex.com/salliemae/onstage/g.php?d=593069999&t=a
Step 2:  Enter in your contact information.
Step 3:  You will receive a confirmation email of your registration.

Getting Started:

• CLICK HERE to review the demo to familiarize yourself with the upgraded security and payment processes of the new ePay.
• You will be prompted to answer a challenge phrase the first time you login.
• For enhanced online security, you will need to create a security key and answer challenge questions during certain transactions.
• All of your payees and any scheduled payments will automatically carry over to the new system.
• Please review your check payee addresses to ensure the most current addresses converted.
• eBills will have to be setup again after the conversion.
• An estimated arrival time will be provided when a payment is scheduled.

CLICK HERE To View a Demo of the New ePay System!

The new ePay requires the following operating systems:

• Internet Explorer 8.0 or 9.0
• Google Chrome
• Safari
• Firefox

Below are a few documents to assist you in adjusting your internet settings for ePay compatibility:

Internet Explorer 9.0 Settings

Internet Explorer Language Adjustment

Google Chrome 16, 17, & 18 Settings

Google Chrome 19 & Above Settings

It’s Your Money – Keep More of it with TurboTax

Why spend more than you should to have someone else do your taxes for you? TurboTax^® puts the power in your hands to keep more of your hard earned money, with the peace-of-mind of knowing you have experts in your corner every step of the way.

• TurboTax is customized to your situation, searching for the latest deductions and credits based on your job, family, and life so you know you’ll get every penny you deserve.
• TurboTax is there year-round with expert help when you need it, so you won’t get stuck if you have a question. All TurboTax tax professionals are experienced CPAs, EAs or Tax Attorneys.¹
• With TurboTax you’ll get your taxes done right. TurboTax calculations are guaranteed 100% accurate² and you’re guaranteed to get your maximum refund – or your money back. ³

Plus, as a Credit Union of Georgia member, you can save on TurboTax® federal products.

Get Started with TurboTax TODAY & SAVE!

“THE CREDIT UNION CENTER ALERT: Your CARD has been DEACTIVATED. Please call 770-213-1295.”

Please remember that we do not reach out to our members in this manner, if you have any questions or concerns please feel free to reach us at 678-486-1111 or mbr-svs@CUofGA.org. Thank you for your understanding.

Now it is easier than ever to make a payment to your Credit Union of Georgia Visa Credit Card. Just log on the eBranch, click on the transfer tab on the left side of the screen, and you will be able to make a transfer from your share account straight to your Credit Union of Georgia Visa Credit Card.

eStatements are…

• Convenient – View your statements anytime, anywhere!
• Secure – You won’t need to be concerned about lost or stolen mail.
• Environmentally Friendly – Make a positive impact on the environment with no paper.
• Fast – You’ll receive online delivery when your statement becomes available.
• Clean – Reduce clutter by storing your statements in a paperless format.
• And best of all…FREE!!!

What are you waiting for?

Enroll today at CUofGA.MyCardInfo.com.

Effective immediately, the Credit Union will be putting a block on all transactions conducted in foreign countries for both Debit and Credit Cards. Members must call or visit the Credit Union to have a release put on their Debit or Credit Card so they are able to use the card in a foreign country. We are doing this to protect our members against fraud. Recently there seems to have been an influx of fraud occurring on both Debit and Credit Card transactions in foreign countries.

Any international traveling or online purchases can be lifted as long as we are notified in advance.

Also, with these changes we had to implement an Annual Fee of $15 on all our cards. The Annual Fee will be charged on the anniversary date of the card opening, the easiest way to learn your anniversary date is to look at the first two numbers immediately following the text “Good Thru” on your card. These two numbers indicate the month your card was opened, your anniversary date. Also, you will be reminded of your Annual Fee on your statement the month BEFORE you are charged.

In times like these we know it is tough when rates increase and fees are imposed, but we’d like you to be reminiscent that our rates have not increased in well over five years. While many credit card companies have increased rates well over 20% APR in recent years for no reason, the rates at Credit Union of Georgia stayed the same. However, with the costs related to the continuous  governmental changes, and the fees from our processor the Credit Union had to make some changes to ensure we could continue to offer this product to our membership.

While rates have increased slightly and an Annual Fee has been imposed, your Credit Union of Georgia Visa Credit Card will continue to offer you:

• No fees or rate increases on Balance Transfers or Cash Advances
• No interest rate hikes if a payment is received late
• A Late Fee of only $25 (most credit card companies charge $35-$39)
• 25 day grace period on purchases
• Zero Liability for Fraud

Please know that we value your membership with the Credit Union and would like the chance to address any of your questions and concerns about these changes. If you have any questions or concerns, please feel free to contact our MAPS (Mail and Phone Services) department at 678-486-1111 or visit any of our branch locations.

Through consumer education you can reduce your risk of falling prey to this scheme. When using one of these machines take a few extra seconds for these precautionary measures. It could save you time, money and a lot of hassle in the future!

• Check the card slot. Is there loose metal or plastic, is it shiny and new, does it fit properly? Give it a wiggle. Does it feel as though it could come off easily? This could be an indication a skimming devise has been attached to the reader.
• Look for small pin holes in a piece of equipment above or near the PIN pad. Thieves will often install mini video cameras on machines to capture PIN numbers. Shield your hand when entering your PIN with your other hand whenever possible so your movement over the numbers can not be recorded.
• Run your hand over the keypad. It should be flush with the machine. Do the keys feel normal, or do they have a spongy feel? There could be a fake pad on top of the real one.
• Look for new cameras or unusual signage that looks suspicious on or around the machine.

The most important thing to remember is if something doesn’t feel right it probably isn’t. If this is the case you should leave and find another machine or place to complete your transaction.

One of the best ways to minimize loses arising out of skimming is to monitor your account closely. Use eBranch to review your account on-line and look for unfamiliar charges. Set up eAlerts on your account to notify you if your balance drops below a certain level. If you do find suspicious activity on your account you should immediately notify the Credit Union by calling 678-486-1111 or in person at one of our branch locations.

In an effort to protect our members against portable skimming devices, we now have Smart Guard Card Protectors available at all branch locations free of charge. To protect your card(s) from being compromised simply insert your card in the sleeve before placing it in your wallet. These sleeves contain RFID blocking devices that will block thieves who employ portable skimming devices to scan your debit and credit card numbers and other information without even touching you!

You can also visit http://www.nmlsconsumeraccess.org/ and type in the unique identifier to verify that the Mortgage Loan Officer is registered with a NMLS ID.