What's New?

D.C. Teachers Federal Credit Union 2012 Scholarship Program

The Board of Directors of the District of Columbia Teachers Federal Credit Union is proud to announce two scholarships available to graduating high school seniors. These two $1‚000 D.C. Teachers Federal Credit Union scholarships are open to sons‚ daughters‚ grandsons and granddaughters of credit union members whose accounts are in good standing.

To be considered‚ applicants must:

• Be well-rounded students with at least “B” averages.
• Must submit completed application.
• Submit copies of their SAT scores‚ recommendations from their principals or guidance counselor
• Submit a recent photo of that can be printed in our newsletter.

C. Denise Witcher Sessoms
Chair of the Board

Maxine J. Hayden
Chair, Scholarship Committee

DCTFCU is Celetrating 75 years with a Gift for You!

Times have been tough‚ but you have an opportunity to ease your monthly outlay of funds.

Get a bill consolidation loan. Turn all those monthly payments into just one lower payment to your credit union. You’ll pay less in interest charges‚ too. This loan offers you a “gift” of a great rate… as low as 7.5% APR to commemorate our 75th anniversary!*

CONSOLIDATE and SAVE!

• Borrow up to $16‚000.
• Terms up to 60 months.
• Use payroll deduction for easy automatic repayment.
• Rates as low as 7.5% APR!

Join the Revolution! Switch to DCTFCU Checking.

People all across the country are pledging to move their money from banks before November 5th to protest new fees, and reduced benefits. Why not move your checking account funds to D.C. Teachers Federal Credit Union? Our checking accounts are still FREE!

• No minimum deposit
• No monthly maintenance fees
• No monthly fee for our Visa debit card
• Over 43,000 surcharge-free ATMs
• Free online banking
• Free eStatements
• Free direct depositing

You could save as much as $200 a year by switching to DCTFCU checking. Isn’t it time you made your move? Call or stop by to open your account today.

Home Mortgage Disclosure Act Notice

The 2010 HMDA data about our residential mortgage lending is available for review. The data show geographic distribution of loans and applications; ethnicity‚ race‚ sex and income of applicants and borrowers; and information about loan approvals and denials.

Inquire at this office regarding the location where HMDA data may be inspected. To receive a copy of this data‚ send a written request to:

D.C. Teachers Federal Credit Union
Home Equity Department
Edmonds School Building
903 D Street NE
Washington‚ DC 20002

Street Smart

Get your car on the street with low rates and great terms on auto financing at District of Columbia Teachers Federal Credit Union.

While low dealer financing sounds great‚ the smart consumer knows how to look deeper into the offer. When there is a choice between a rebate and low financing‚ you are almost always better off to take the rebate and use it for a down payment. Often‚ low dealer rates are good for only short terms, so you end up with higher monthly payments. In other cases‚ the low rates are offered only for certain models.

• Rates as low as 2.89% APR* with 0% down
• Rates as low as 2.89% APR* with 10% down
• New or Used vehicles

Contact us for some bright ideas on how to negotiate your best deal. Then get the real deal from the people you trust. It’s a smarter way to hit the streets in your new car!

Apply Online | Check Rates

*Annual Percentage Rate. Based on qualifying criteria. Other rates and terms available.

We’ve Got Money To Lend You! Get Visa

For purchases with just a swipe‚ use plastic. It’s easier than carrying cash. We have two options to choose from. Both are better than the rest!

Unsecured Visa:

• As low as 13.5% APR*
• High credit maximum up to $6‚500

• low 11% APR*
• High credit maximum up to $15‚000

• Rates are now as low as 10.25% APR*
• Borrow up to $16‚000
• Turn many monthly bills into just one

Apply Online | Check Rates

*APR = annual percentage rate.

e-Statements Now Available!

It’s understandable that many people continue receiving paper statements. It’s what they’re used to!

But you can break that cycle and do something to help our environment at the same time. Simply sign up for e-statements by clicking on the e-statements icon in Homebanking.

When statements are ready at the beginning of each month you will receive notification by e-mail. Then you can download your statement whenever you’re ready and wherever it’s convenient. You can save electronic versions of your statements on your computer and download them into Quicken or Microsoft Money.

Join the high-tech revolution. It’s green and very cool!

We've Upgraded Our Online Security

It's now even safer to process transactions on our website!
That’s because we've upgraded our online security to incorporate Multi-Factor Authentication methods. When you log in, there is a new set of steps to verify your identity. This new process makes it more difficult for unauthorized access to your personal information and you don’t have to install any software.

The major change is the addition of “challenge questions”, a personal identity code and use of an electronic keypad to enter your pin. We recommend that you do not save the information on the PC you regularly use to connect to us; this will prevent anyone that has access to your PC from logging on to your account. It’s simple to set up, and more importantly, it better protects your information!

View the following demos:

• Multi-Factor Authentication Enrollment Process
• Multi-Factor Authentication Login Process

All D.C. Teachers Federal Credit Union Online Banking users must convert to this login process. Click here to download instructions.

If you have any questions please contact our Member Service Center at 202-547-4800.

Make Sure Your Money is Hard at Work

Put your tax refund into one of our high-yield certificates.
You’ll get significantly higher dividends than with our regular share account—and a guaranteed return on your investment. We offer a variety of terms ranging from 6 to 60 months. Call, stop by or click here to get our current rates and start saving today.

Protect Yourself From Phishing Scams

Phishing is a new type of identity theft that occurs online. Phishers send emails that appear to come from reputable sources, such as financial institutions or credit card companies. They tell you to click on an icon or link to be directed to the institution’s website.

The phony webpage or pop-up window directs you to type in personal information, such as your account number, password or Social Security number. If you provide this information, it goes directly to the crooks—not to the company with whom you transact business.

Click here for more information on phishing.

A New Financial Tool from Our School Box

The DCTFCU Visa Check Card It's the easier way to pay. Use your check card for gas, groceries, dining and entertainment, online shopping or to withdraw quick cash from an ATM. Funds come directly out of your checking account. Apply for your card today!

D.C. Teacher's FCU members can now make their Visa credit card payments online through Sign up today!

	There is a new way for Visa cardholders to shop more safely online. Verified by Visa helps ensure that only you can use your credit union Visa card to make online purchases. It takes just a few minutes to register and create your own personal password. You only have to register once and Verified by Visa will confirm your identity when you make purchases at participating online stores.
• To learn more, visit www.verifiedbyvisa.com

Our Skip-A-Payment program lets members choose one month to skip their monthly loan payment. Keep the cash for some other purpose!
     • Learn more about the Skip-A-Payment program.
     • Request your Skip-A-Payment today!