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  • 1. How do I login to online banking for the first time? Views: 275 Featured Content
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    If you are logging in for the first time, please watch this video tutorial: When logging in, you will be prompted to receive a security code via email, text or phone call. This will happen every time you use a new device or web browser. Once you register your device or web browser, you’ll be set! It is important that you keep your contact information updated. If you need to make changes to where you receive your security access code, log in to online banking, go to: Profile Settings, cli  More...
  • 2. What is the Temporary NCUA Insurance Coverage For Transaction Accounts? Views: 154 Featured Content
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    NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS All funds in a ‘‘noninterest-bearing transaction account’’ are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules. The term ‘‘noninterest-bearing transaction account&r  More...
  • 3. What is my secure access code? Views: 125 Featured Content
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    A secure access code is a randomly generated number delivered to you via text, phone call or email. The secure access code is used to verify your identity when you log into online or mobile banking from an unregistered device or browser. Secure access codes can only be sent to contact information that we already have on file for you.
  • 4. How do I register my device/browser? Views: 92 Featured Content
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    Our new online and mobile banking system uses a new security process that requires receipt of a secure access code. You are able to register each device or browser as a trusted device and avoid the need for a security access code with each login. If you do not receive the request to register your device or browser during your first log in; perform a second log in and obtain a new secure access code. Upon your second log in, you should receive the request to register your browser or device. You c  More...
  • 5. How can I update my secure access code delivery options? Views: 73 Featured Content
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    When your online access is initially established, the contact information we have on file, primary member email address and phone numbers, is used to validate your identify. Once you have successfully obtain access to your account, security access code delivery options can be updated inside the online banking system to add or remove delivery option. Once logged into your account, select Profile and Settings from the menu. Go to Security Preferences , then Secure Delivery . You can edit, delete a  More...
  • 6. How many failed attempts can I make to login to online banking before I get locked out? Views: 67 Featured Content
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    During the initial roll out of the new online and mobile banking system, you may attempt to login to your account up to five times before it becomes locked. We recommend that you attempt to login again within three hours of being locked out. After the initial roll out period the number of login attempts until locking the account will be reduced to three.
  • 7. Where is the mobile deposit service located in the mobile app? Views: 43 Featured Content
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    You will find the mobile deposit app under the “Move Money” menu. Log into the LA Financial Credit Union mobile app. Tap the “Menu” button in the upper left corner. Tap “Move Money” and then tap “Deposit Check”.
  • 8. When will funds from my mobile deposit be available to use? Views: 40 Featured Content
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    Mobile deposits are subject to LA Financial Credit Union’s funds availability policy. After making your deposit you can review the transaction history to see when any holds will be released.
  • 9. Will you place a hold on my Mobile Deposit? Views: 27 Featured Content
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    When using the mobile deposit service, the initial mobile deposit screen will display a message to inform you of the immediate credit amount for the deposit you are about to make. Be advised that deposits are subject to verification and may not be available for immediate withdrawal.
  • 10. What's the difference between Dividend Rate and APY? Views: 3066
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    Dividend Rate is simple interest without compounding. For example, $10,000 @ 6.00 Dividend Rate for 2 years will produce $600 of interest per year (or $300 semi-annually, or $150 quarterly, or $50 monthly). APY (Annual Percentage Yield) is compounded interest (usually daily or monthly) calculated for 1 year (even if the term is shorter or longer ). For example, $10,000 @ 6.00 Dividend Rate for 2 years compounded monthly, produces a 6.17 APY which returns a total of $11,272.07 after 2 years. Some  More...
  • 11. How do I transfer my IRA from one financial institution to another? Views: 709
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    Terms of Use A rollover is when you withdraw funds from an IRA or plan and contribute those funds to the same or another IRA or plan. A trustee-to-trustee transfer (often called a direct transfer or direct rollover) is when you never receive the IRA or plan funds. They are transferred directly from one financial institution to another without you ever touching the money. The general rule is that when you take a distribution from an IRA (or other tax-deferred retirement account) that you in  More...
  • 12. The credit card you pick can save you money Views: 630
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    Terms of Use The credit card you pick can save you money Table of Contents: Credit Card Interest Rates How Much Will You Pay? Credit Card Shopper's Checklist Deciphering the Application Glossary For More Information Smart consumers comparison shop for credit, whether they're looking for a mortgage, an auto loan, or a credit card. Comparison shopping is important because it could save you money. When you're looking for a credit card, be sure to consider the costs and terms. They c  More...
  • 13. How should I go about defining my investment goals? Views: 502
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    Terms of Use Define Your Goals This knowledge article is part of a series of knowledge articles aimed to help you define your roadmap to savings and investing. To review the table of contents for the articles, click here . What are the things you want to save and invest for … A home? A new car? Your education or that of a child? A comfortable retirement? The needs of your parents? All of these goals will cost money. To make sure that you will have enough money when you need it, follo  More...
  • 14. What is common stock? Views: 466
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    Terms of Use: Common stock is an investment in the ownership, or equity, of a corporation. Common shareholders are usually entitled to vote on the selection of directors as well as other important corporate matters. They expect a return on their investment from the dividends paid by the corporation as well as anticipated appreciation in the market value of the stock as the company prospers. The common shareholders are owners, and their right to corporate assets on liquidation is junior to   More...
  • 15. What happens if I die without a will? Views: 456
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    Terms of Use: Not having a will to determine what happens to your property upon your death is foolish. Not having a will to determine what happens to your children upon your death is unconscionable. If you die without a will, state law will determine what happens to your property. As such, your property will be distributed to your spouse and children or to other relatives according to a statutory formula if you don't have a spouse or children. If no relatives can be found to inherit your propert  More...
  • 16. What does aggregate deposit/loan balance mean? Views: 449
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    It is the combined total of all account or loan relationships with the credit union. If you have a $2000 VISA balance and a $3000 Secondary Savings Account balance, your aggregate balance is $2000 + $3000 = $5000.
  • 17. What are some things that I should consider when shopping for a mortgage? Views: 446
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    Terms of Use Table of Contents 1. Obtain information from several lenders 2. Obtain all important cost information 3. Obtain the best deal that you can 4. Remember: Shop, compare, negotiate 5. Fair lending is required by law 6. Credit problems? 7. Glossary 1. Obtain Information from Several Lenders Home loans are available from several types of lenders-- thrift institutions , commercial banks, mortgage companies, and credit unions. Different lenders may quote you different prices, so you sh  More...
  • 18. What is a mutual fund? Views: 444
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    Terms of Use: A mutual fund is created when a company brings together money from many people and invests it in stocks, bonds, or other securities. The advantage of investing in a mutual fund is that your investment is diversified among stocks and possibly bonds of several different companies depending on the type of mutual fund. Several companies offer different types of mutual funds. Investors in mutual funds buy shares in the mutual fund at the Net Asset Value (NAV) of the fund plus any s  More...
  • 19. Tons of Ways to Save Money Views: 418
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    Terms of Use Transportation Airline Fares Car Rental New Cars Used Cars Auto Leasing Gasoline Car Repairs Insurance Auto Insurance Homeowner/Renter Insurance Life Insurance Banking/Credit Checking Savings and Investment Products Credit Cards Auto Loans First Mortgage Loans Mortgage Refinancing Home Equity Loans Housing Home Purchase Renting a Place to Live Home Improvement Major Appliances Utilities Electricity Home Heating Telephone Service Other Food Purchased at Markets Prescription Drugs F  More...
  • 20. Can I get a credit report for free? Views: 396
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    Terms of Use Credit reports contain a wealth of information about your credit history. Consumers now can get a free copy of their credit report. It's important to review your credit report at least annually to ensure it is accurate and that you have not become a victim of identity fraud. A study by U.S. Public Interest Research Group found that one in four credit reports contains errors serious enough to cause consumers to be denied credit, a loan, an apartment or or even a job. Some of th  More...
  • 21. How can I see my credit report? Views: 372
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    Terms of Use There are three major credit reporting companies: Equifax , Experian , and TransUnion . Obtaining your credit report is as easy as calling or going to the internet and requesting one. It's a good idea to get copies from all three companies to ensure there are no mistakes since any of the three could be providing a report to your lender. Fees, ranging from $5-$20, may be charged to issue credit reports but some states permit citizens to acquire a free one (see related links). ?On  More...
  • 22. What is a variable annuity and how does it work? Views: 337
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    Terms of Use: Variable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics – and be prepared to ask your insurance agent, broker, financial planner, or other financial professional lots of questions about whether a variable annuity is right for you. This is a general description of variable annuities – what they are, how they work, and the charges you will pay. Before buying any v  More...
  • 23. Basics about debt Views: 336
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    Terms of U se High debt and misuse of credit cards make it tough to save for retirement. Money that goes to pay interest, late fees, and old bills is money that could earn money for retirement and other goals. How much debt is too much debt? Debt isn't necessarily bad, but too much debt is. Add up what you pay monthly in car loans, student loans, credit card and charge card loans, personal loans - everything but your mortgage. Divide that total by the money you bring home each month. The r  More...
  • 24. My VISA Debit Card or credit card won't work, what is the problem? Views: 330
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    There are a few reasons why these cards might not work. Most likely the strip on the back has been demagnetized and a new card needs to be ordered. Another problem is that there may not be enough funds available in the account or a deposit was made recently and the card has not been updated. If this is a new card, you need to call 1-800-894-1200 or (626) 792-7441 and get it activated before you can use the card. If you feel the problem may be either the first or second answer above, please conta  More...
  • 25. Any suggestions for getting started with investing? Views: 318
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    Terms of Use Need some help finding the right path for your financial future? You've come to the right place. We've put together an itinerary that takes in all the basics for your journey to learn more about saving and investing. Traveling down the right road to achieving financial well-being is one of the most important trips that you'll ever make in life. You don't have to be a genius to do it … and you don't have to be rich … you just need to hit the road a  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies at times, which we will make every attempt to correct when found. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.