This
area of our website will announce new issues affecting
you and your credit union and the financial services industry, new
programs from NMEnergyFCU, as well as new features that can be found
on your NMEnergy FCU website.
Consumer
Daily News & Financial Advice...
Opt-in
for Overdraft Protection
Posted:
July 8, 2010
IMPORTANT
NOTICE
If you want to continue to have our overdraft
service cover your ATM and everyday debit card transactions, you
must Opt-In by August 15, 2010.
New
regulations will affect how we are able to handle certain types
of overdraft protection programs on your ATM and debit cards
effective August 15, 2010.
As a result, you now have an option concerning whether you want
to continue to have our overdraft service cover your ATM and
everyday debit card transactions. Please take note that this
opt-in rule only applies to ATM and everyday debit card transactions
and does not pertain to overdraft protection services associated
with written checks or recurring debit transactions, such as
regularly scheduled bill payments.
You
can find out more by downloading the PDF
containing detailed information about your options. Print out
the Opt-in form and follow the instructions to mail / fax your
form to NM Energy FCU by August 15, 2010.
Letter
and opt-in form (PDF)
Enroll
to Receive Online e-Statements
Posted:
July 1, 2010
“Go
Paperless
–
Go Green”
e-Statements are the paperless solution to
quickly and securely receive your account statements online.
Think
“quick, easy, instant, secure and free!”
-
Receive
your monthly statements days sooner than your paper statement.
You will receive an e-mail when your statement is ready for
viewing.
-
View last 12 months of statements - Save copies of your statements
to your computer or disk for unlimited access in the future.
You will not be able to view statements electronically
from before your enrollment date.
-
View copies of your cleared checks for 12 months. However,
when you processes a check electronically, the check image will
not be available.
Enroll
today, it’s easy and remember, it’s FREE!
1. From the homepage, log into nmenergy@home
and click the Online Statements button to complete your registration.
2. Once you’ve completed your registration, you will receive
an e-mail from NM Energy confirming your enrollment.
How
do I get my E-Statement?
1. First you will receive an e-mail letting you know
your statement is ready for viewing.
2. To view your e-Statement, you must have a User ID and Password
for NM Energy’s Home Banking system. You’ll
need to register for each account that you wish to receive an E-Statement.
Call
for details: 505.845.6939
InfoDesk...
Refinance
Your Home!
Posted:
May 7, 2010
Puzzled
by all those mortgage rates? We have the perfect
fit for you!
- Is
it time to refinance your home mortgage loan?
- How
do you navigate all of the different mortgage rates?
-
Are you purchasing a home?
Start
with NM Energy and get pre-qualified
for your dream home. NM
Energy has just the loan for you. For qualified members we are offering
a 10 Year Mortgage at a great rate!
This
is a limited time offer, so stop by today
Or call a loan officer for details: 845.6939
For
more information, contact NM Energy FCU through your InfoDesk...
48-Month
CD Special
Posted:
May 7, 2010
SPRING
INTO SAVINGS!
We're
making our great
4-Year Certificate Account Rate
available to you...
Plus
- as an added bonus: you can bump your rate
once during the term of your certificate. Now that's a deal!
-
Minimum
deposit of $5,000 required.
-
Funds must come from money that has been deposited with us for
a minimum of 90 days.
-
Annual Percentage Yield (APY) is 2.60%
on a 48-month maturity.
- Spring
Into Savings begins: 5.10.10, and is a limited-time offer
ONE
TIME OPTIONS
-
After
24 months you may bump your rate. The rate you
may 'bump' to will be that which is then offered on a like term
for the remaining term of the certificate account. You must
notify us to change the rate on this Bump Rate Certificate Account.
You will earn the higher rate for the remainder of your term.
-
At the time of the rate adjustment
you may increase the funds in your Bump Rate Certificate Account.
These additional funds will earn dividends along with the original
amount from the date of deposit through maturity.
-
This certificate is non-renewable.
At maturity the funds will be transferred into your share account.
Stop
by and speak with one of our Member Service Representatives.
Or call: 505.845.6939 for details.
There
are significant penalties for early withdrawal. The early withdrawal
penalty is 180 days of interest. This withdrawal penalty may include
principal funds from your initial investment. This is a limited-time
offer, rates are subject to change. Funds insured by the National
Credit Union Association.
For
more information, contact NM Energy FCU through your InfoDesk...
Cliff's
- Discount Passes for NM Energy FCU Members!
Posted:
May 4, 2010
Cliff's
Amusement Park
DISCOUNT PASSES FOR
NEW MEXICO ENERGY FCU MEMBERS
Get a 20% discount (up to $5.00 off) on Ride Passes
20% off: $24.95 for Guests over 48"; $19.95 for Guests
under 48"
Enjoy your discounted Ride Passes throughout the season.
To
Purchase your discounted Ride Passes & Fun Cards:
and
Enjoy...
from your Team at New Mexico Energy FCU
With
purchase help, or for more information, call Cliff's at: (505) 881-9373
Or visit the Cliff's
website
iPhone
Locator Apps
Posted:
May 5, 2010
CO-OP
now offers two new free iPhone Locator applications!
. . . allowing members to
easily locate CO-OP Network ATMs and Shared Branch locations. Independent
from CO-OP’s Mobile Banking platform, the ATM Locator and
Shared Branch Locator apps are absolutely free to all credit union
members...
Download
the two iPhone
Locator apps and you’ll never be far away from
a CO-OP surcharge-free ATM or a Shared Branch location. Full instructions
are available..
Features:
ATM
Locator iPhone Application
- Locate
more than 28,000 CO-OP Network ATMs, including 9,000 deposit
taking
-
Conveniently search by address or current location
-
Can be downloaded for free directly from iTunes
Shared Branch Locator iPhone Application
- Find
one of the 4,000 Credit Union Service Center branches
-
Nationwide in-branch access to member accounts
-
Conveniently search by address or with their current location
through GPS
- Can
be downloaded for free directly from iTun
Currency
Transaction Reporting
CTR – frequently asked questions
Posted:
December 14, 2009
The
Financial Crimes Enforcement Network (FinCEN) educational brochure
helps answer
consumers’ questions about the Bank Secrecy Act requirement
for reports on currency transactions involving more than $10,000.
The
brochure (PDF), “Notice
to Consumers: A CTR Reference Guide,” is intended
to answer the most-frequently asked questions about currency transaction
reports. (en
espanol)
These
brochures point out that large transactions aren’t illegal
but that financial institutions are required to obtain information
from consumers when they occur. They also discuss violations of
BSA rules, such as transaction structuring to avoid reporting, and
related civil and criminal penalties.
A
similar brochure was released for casino
transactions – CTR-C (PDF)
“The
perfect gift. The perfect solution”
Visa TravelMoney® and Gift Cards
Posted:
December 14, 2009
NM
Energy's new travel cards are pre-loaded with your spending money
before you leave, enabling you to easily keep track
of exactly how much you are spending while you are away from home.
If you have funds left on your card at the end of your travels,
you can choose to keep them on your card and top them up the next
time you travel (up to 24 months from date of purchase), or withdraw
the remaining cash from an ATM.
The
Gift Card is a Visa card that is pre-loaded with funds
that the card recipient can spend at any merchant that accepts Visa
Debit cards. You choose how much you load onto the card and the
recipient chooses what to spend it on.
Get
more detailed information at the Travelex
Cash Passport homepage.
Members
who would like further information on purchasing Visa
TravelMoney® and Gift Cards can contact NM Energy FCU
through your InfoDesk.
Truth
in Lending
Change in Federal Regulations
Regarding Member Loans
Posted:
October 16, 2009
Frequently
Asked Questions
Due
to recent Federal Regulations, members with certain loan types must
receive their Loan Statement 21-days prior to their Due Date.
For the Credit Union to comply with this regulation we must change
the due date on these loan types to the "27th of the month"
in order for members to receive their Statement within the required
period of time.
For detailed information
on how these changes may affect your loan and payment schedule,
please visit our Frequently
Asked Questions.
Members
who would like further information regarding this issue can contact
NM Energy FCU through your InfoDesk.
Brass
Magazine
Posted:
October 1, 2008
Beginning
in November, 2008 we will provide
members ages 16 – 25 with a complimentary subscription
to the upbeat, money magazine Brass. Articles range
from features about young entrepreneurs, like Sundance Film
Festival award winners Daniel Howard and Terrence Fisher, to
tips about first – time car buying. This magazine is produced
and written by young adults who understand their peers’
interests and money needs. If you are interested in how to make
money, how to manage it, and how to multiply it, refer to Brass.
The
magazine is released quarterly in February, May, August, and
November. Articles and resources are posted on their blog website
multiple times a week.
Visit Brass
Magazine
online...
OK,
what’s easier—sorting through a mountain of old
statements or a few clicks of your mouse
Posted:
January 8, 2007
And
if you need to know exactly when that check cleared,
wouldn’t you rather just log in right now than wait for
the mail? If you are already using NMEnergy@home, simply log
on and sign up!
Need more information? Click
here.
Beware
of false e-mails
Posted:
May 12, 2006
The
latest scam known as “phishing” is a fraudulent
e-mail.
An
email appearing to be from the National Association of Federal
Credit Unions (NAFCU) was sent to both the general public and
to credit union members. This fraudulent e-mail asked for the
recipient to click on a link. If the recipient proceeded, the
link directed them to a counterfeit website and states “As
part of our security measures, we regularly screen activity
in Federal Credit Union network. We recently noticed the following
issue on your account: A recent review of your transaction history
determined that we require an update of your account in order
to provide you with secure services.”
NAFCU
does not ask credit union members for such personal information.
Anyone receiving an e-mail that purports to be from NAFCU requesting
account information should consider it a fraudulent attempt
to obtain personal account data for illegal purposes. If you
responded to such an e-mail and provided any confidential account
information, please notify your credit union immediately. Take
any additional steps recommended by your credit union to protect
your account.
Please
forward any e-mail phishing message to federal investigators
at JWilson@IC3.gov
View Your Checks Online
Posted:
May 8, 2006
You
can now view cleared share drafts online. Just log
into your account on the home
page, click on the Account Access icon and
visit your share draft account history. You can then scroll
through your transactions, choose the highlighted share draft
you wish to view and click! We hope this helps you manage your
family finances more efficiently.
If
you haven't signed up for account access, just enter
your member number and your SmartLine pin number in the upper
left hand corner of the home page.
Don't
have a SmartLine pin? Call us at 505-845-6939 to get
started today.
Just another way we are helping our members, one family
at a time!
FTC
warns against spoofed credit report sites
Posted:
January 25, 2006
Important
information from the Federal Trade Commission,
the nation’s consumer protection agency: AnnualCreditReport.com
is the ONLY authorized online source for you to get a free credit
report under federal law. You can get a free report from each
of the three national credit reporting companies every 12 months.
Some other sites claim to offer "free" credit reports,
but may charge you for another product if you accept a "free"
report.
Are
your shares safe?
NCUA Vice Chairman Rodney Hood Discusses
Federal Deposit Insurance at Credit Unions.
Video
Presentation
