SCAM ALERT - Beware of Imposters

February 2020

ONLINE JOB AND MYSTERY SHOPPER SCAMS

Do your research on the company and do not provide your account

or personal information. Remember if the offer sounds too good to

be true, it most likely is. The fraudulent companies will either sen

d a

check or attempt to make a deposit directly to your account. Written

correspondence from them will often have poor grammar. As part of

the scam you will be asked to return a portion of the funds to them.

ATM SCAMS

If you are contacted by a friend or someone on social media offering

to help you out financially, be aware. Do not provide your ATM card

number and/or PIN number to anyone. The card is for your own

personal use. Once a fraudster gains access to your card, they can

deposit checks and make withdrawals. The credit union is then

informed that the checks are fraudulent and you are on the hook for

any money that was withdrawn from your account. If you told the

credit union that your card was stolen, you’ve committed fraud.

LOTTERY SCAM

Not all lotteries are legitimate, scam artists will use the promise of

awards to entice consumers to send money for taxes or fees.

Legitimate lotteries do not require you to pay to collect your winnings.

In summary, do not send any money to someone that you do not

know. If you have any questions or concerns regarding a check

or funds being deposited into your account that may be from a

questionable source contact Freedom Credit Union Loss Prevention

at 215-612-5978 prior to sending funds to anyone.

COMPUTER TECH SUPPORT SCAMS

Cybercriminals may contact you by phone or have a pop-up appear

on your computer screen. Once they gain your trust, they may ask

for your user name and password. Once they do this, your computer

is at risk. Never call any phone numbers that pop up on your screen,

instead research the company and call them directly. Never provide

your credit card number or account information.

ONLINE LOANS OR GRANTS SCAM

Government agencies will not contact you directly through any

social media websites with loan offers. Be cautious of any online

loan companies. Do your research before applying and providing any

personal or account information. Often these fraudsters will send a

check or deposit funds directly to your account. As part of the scam

you are asked to wire funds, buy gift cards, or send a Western

Union Money Gram.

SCAM ALERT - Beware of Imposters

We're all in the holiday spirit until the credit card statements arrive......

Use a low fixed rate Home Equity Loan to consolidate your holiday debt!

Take advantage of the equity in your home to lower your monthly payments. Our fixed rate home equity

loans have rates as low as 3.49%* allowing you to reduce the interest you're paying.

Call 215-612-5982 today and let our dedicated home equity team make the process quick and easy for you.

To learn how your home equity can work for you or to apply online; visit FreedomCU.org/HomeEquity.

*Annual Percentage Rate (APR) applies to Loan-to-Value (LTV) less than or equal to 80%. APR will not be less than 3.49% or greater than 6.49%. The interest rate you receive will be

based on your credit history. Hazard Insurance is required. For loans over $150,000, Title Insurance is required. Loan subject to final approval. Terms and rates subject to change

without notice and apply to loans in the 2nd lien position. Terms and rates subject to change without notice.

Focus Points

Holiday Closings

President's Day - Monday, February 17th

Although we will be closed, mobile banking, online banking, telephone teller and our Credit Union network of ATMs will be available.

DEPOSIT RATES

Account Type APY

Savings and Clubs

0.25% APY**

Checking

0.10% APY**

Money Market Tier 1

0.25% APY**

Money Market Tier 2

0.55% APY**

CD & IRA RATES

6 Month

1.50% APY*

1.85% APY*

18 Month

1.95% APY*

30 Month

48 Month

2.05% APY*

LOAN RATES

VISA

Cash Back Card

0.99% APR***

‡

3.49% APR***

Home Equity Loan

Personal/Signature Loan

8.99% APR***

3.29% APR***

Vehicle Loan

Account Type As Low as

2.10% APY*

60 Month

36 Month

2.00% APY*

1.90% APY*

24 Month

12 Month

1.80% APY*

APY Term

Did you know......

You can deactivate/ reactivate your Debit/ATM Cards through Online and Mobile Banking!

President/CEO

John F. King

Credit Com

mitte

John F

. King, Chairman

Rick MacLeod, Secretary

Victor

A. Derrick, Member

Board Of Directors

Dr. Christopher McGinley, Chairman

George Madden, Vice Chairman

Charles M. Whiting, Secretary

Matthew Lentz, Treasurer

Crystal Barnett, Member

Wade Birchfield, Member

Vincent W. Rutland, Member

Marie Sejda, Member

Lowell A. Tinner, Member

Steven J. Turco, Member

Donald Woods, Member

Emeritus Member

Joseph Yerkes, Member

Andrew Folino, Member

*Annual Percentage Yield (APY). Rates are accurate as of

1/17/20. Minimum deposit of $500 ($250 for Youth CD 25

or younger). Dividends are calculated by the actual daily

balance method which applies a daily periodic rate to the

balance in the CD each day. The Dividend Rate and APY

at time of purchase are fixed and will be in effect for the

term of the CD. Fees may reduce earnings. Terms and

rates are subject to change without notice. For rates and

fees, see our Rate and Fee Schedule.

**Annual Percentage Yield. Dividends on IRA, Savings,

Club, and Checking Accounts are computed monthly on

average daily balances of $5 or more and posted monthly.

The Money Market Account Tier 2 has a variable rate

which will be greater than our regular savings rate, and

subject to daily adjustments. Dividends will be paid

monthly on the average daily balance, based upon the

current tier level rates. Fees may reduce earnings.

Regulations prohibit payment in excess of available

earnings. Rates are accurate as of 9/1/19. Rates subject

to change without notice and may change after account is

opened. Visit FreedomCU.org to view our Rate and Fee

Schedule.

***APR Annual Percentage Rate. Rates accurate as of

9/1/19. Terms and rates are subject to change without

notice. For Credit Cards, an eligible co-borrower will be

required unless the Cardholder has independent means of

repaying any credit extended. The interest rate you

receive will be based on your credit history. Visit

FreedomCU.org for more information.

‡ The interest rate you receive will be based on your credit

history. Rate will not be less than 10.65% or greater

than 17.9%. 0.99% Introductory APR applies to all

purchases, cash advances, and balance transfers made

using the Freedom Visa Cash Back card during the

6-month introductory period. This offer is only available

for new Card applications. Card issuance subject to final

approval. Cannot be combined with any other offer. Offer

subject to change without notice. Any minimum, fixed,

transaction, activity or similar charge that is a finance

charge under §1026.4 that could be imposed. This

includes any transaction fees associated with the credit

card.

Card misplaced or left at home? You can deactivate/reactivate your cards with just a click of a button!

On Mobile:

Tap the menu icon in the top-left corner. Click on "Cards". All of your cards will then be displayed. Once

you have located the card that you would like to deactivate, just slide the button below the card to the left

to disable that card. To reactivate, simply slide that same button to the right.

Online:

ocate and click on the tab named "Cards". Once you have clicked on that tab, all of

your cards applicable to your account will be displayed. Locate the card that you would

like to disable and click the red button labeled "Disable". This will temporarily

deactivate your card. To reactivate, simply click the green "Enable" button.

If your card is lost or stolen, please disable the card and call us at 215-612-5900.