Are Your Dreams Of A Comfortable Retirement Being Clouded By Low Interest Rates? Saving and investing your retirement funds may seem like a moot point right now, thanks to the amazing low interest rates on savings. You’ll be encouraged to know that your credit union is offering some of the best rates on all of our savings products from share certificates to IRAs. For a limited time, invest in a 13-60 month certificate and earn 5.00% APR*/5.12% APY* on your investment of $1,000 or more. If you are disappointed in what your savings are earning somewhere else, consider transferring them to one of our accounts. The process is easy and will be completely facilitated by one of our helpful member service representatives. For a complete listing of available savings products and the most current rates, visit our website at www.unitedmethodistcu.com.                   *Annual Percentage Rate/Annual Percentage Yield

Tred carefully if you receive official looking e-mails from credit union associations.

The Phishers Are Honing Their Craft— Be Aware Of The Latest Scam In the past few issues of this newsletter, we have included articles about the latest internet scams, phishing and pharming. In the past few months, those internet scammers have gotten savvy and have concocted a new scam, targeting credit union members directly. This dangerous new phishing scam involves an e-mail that appears to be sent from NCUA, the National Credit Union Administration and CUNA, the Credit Union National Association. The e-mails include official looking graphics and e-mail addresses as well as links to realistic looking websites. However, these e-mails, sent to credit union members, are a scam geared to steal your personal information. Never update your personal information on this e-mail or through any e-mail address. Our national associations would never contact you directly to receive information--they would contact us first! If you need to update your account information, you need to speak with us directly. Never respond to any e-mails that request your credit union credit information, username,password, pin number, or other personal identity information.