News & Events
- Photo Contest Deadline - March 1
- Annual Meeting - March 29
- Shred Event in West Salem - April 17
Photo Contest Rules and Conditions:
- Must be 18 years or older to enter
- There is no cost to enter
- Photos must have been taken by the person submitting the contest entry
- Photos may not contain people and must meet the following criteria:
- Photo must be taken within one of the fourteen counties in 1st CCU's field of membership: Monroe, La Crosse, Vernon, Jackson, Trempealeau, Juneau, Adams, Wood, Clark, Eau Claire, Richland, Sauk, Buffalo, or Crawford county.
- Contestant must submit a caption with each photo stating where and when the photo was taken.
- Photo must be submitted by the person who took the photo.
- Image can be landmarks, historic buildings, local parks, animals, or plants that represent the county, city/town, heritage or animal of one of the five counties. Photos that contain people will be disqualified.
- Entrants are limited to no more than 5 images; only one photo per entrant is eligible to win
- Photos must be submitted via email to firstname.lastname@example.org no later than 11:59 pm, March 1, 2021
- By entering, each entrant agrees to release 1st Community Credit Union, it's officers, directors, employees, members, affiliates, suppliers, and distributors from all liability, claims, or actions of any kind whatsoever for injuries, damages, or losses to persons and property which may be sustained in connection with the receipt, ownership, or in connection with the contest, including without limitation any third party claim for copyright infringement or a violation of an individual's right to privacy or publicity right.
- Image Quality:
- Photo must be a true representation of its contents, an original work, and not altered in any way. (Minor adjustments to brightness and color are acceptable).
- Submissions need to be no less than 600x800 pixels and no more than 2 MB.
- If your photo is selected, you will be required to submit full high quality resolution file of the photo.
- Photos that have been previously published, accepted for publication, or are under consideration by other publications are not eligible
- 1st CCU reserves rights to publication of all winning photos, as well as rights to reprint and use winning photos on our website, social media pages or advertising for editorial and promotional purposes. Photo credit line included.
- Winning photo will be utilized in the 2021 1st CCU Annual Report. The winner will receive a Grand Prize of $100.00. Entrants agree that 1st CCU has the right to publish winning photo entry without compensation other than the Grand Prize.
- Winner will be announced on Facebook after March 1, 2021. Images will be judged on originality, composition, and artistic merit. 1st CCU shall determine contest winner at its sole and absolute discretion. All decisions made by 1st CCU are final.
- The winner's name will be posted via 1st CCU's social media and website.
- Employees and their immediate family members ARE eligible to participate.
- Free shredding of up to 3 boxes/bags of outdated sensitive documents per person (we ask that you bring a non-perishable food item for the local food pantry in exchange for the free shredding)
- Safe destruction of outdated financial statements, receipts, invoices, checks/check duplicates, etc. will be shredded on-site in the mobile shredding truck. (Consult a tax advisor for advice on tax return retention. Do not destroy documents tied to pending litigation. Never destroy vital records such as wills, deeds, titles, birth or death certificates, etc.)
- All types of paper can be shredded.
- Staples and Paper Clips do NOT need to be removed
- We're sorry, 3-ring binders, other hard covers, and discs cannot be shredded. Please remove papers from hard covers ahead of time.
Debit Restrictions Due To Increased Fraudulent Activity In Georgia, North Carolina, and Michigan:
- Due to numerous fraudulent transactions detected in the state of Georgia, all 1st CCU cardholders who are performing debit card transactions in Georgia will be required to insert the debit card into a Chip Reader rather than swiping the card.
- All Marathon Petro gas pump users will not be able to use their cards to pay at the pump. You will need to go inside and use the Chip Reader to pay.
- Due to numerous fraudulent transactions detected in the state of Michigan, card transactions originating in Michigan may be subject to restrictions.
- Due to increased fraudulent activity coming from the state of North Carolina in November 2020, when performing a transaction in North Carolina the debit card user will be required to use a PIN or insert the debit card into a Chip Reader rather than swiping the card.
- Click the Security Information image on the right to view more scam and fraud information.
1st Community Credit Union has been informed that consumers in our area have recently fallen victim to scams.
- In some cases the scammers convinced the victims to give out their account number or their online banking login name and password, or both.
- In one case the scammers claimed they could make investments for the victim. They coerced the victim to give out the account number and online banking login credentials so the scammers could deposit checks and then transfer money out to make investments.
- In another case when the scammers were successful in getting the online banking login user name and password from the victim they used online Bill Pay to write 5 checks between $4,000-$5000.
- In other cases the scammers convinced the victims that they needed to repay a debt or an erroneous deposit. In one case the victim who was contacted by scammers claiming to be from Amazon. The scammers convinced the victim that Amazon owed the victim money and they needed the victim's online banking login name and password, as well as the account number, to deposit the money directly into the victim's account. Then the scammers contacted the victim and claimed they erroneously made the deposit too large. They convinced the victim that the funds needed to be paid back with gift cards purchased at Best Buy. The victim was instructed to call the scammers immediately upon purchasing the gift cards, and then instructed to provide the scammers with the card numbers of the gift cards.
- Scammers are taking advantage of the high unemployment crisis by sending out work-at-home job offers via email. The job offers do not go into detail but promise a great paycheck for doing 'errands'. The errands eventually lead to making transfers from one account to another, which typically involves stolen funds and the unsuspecting 'employee' being used as a money mule. Even though the victim is unaware of the crime they are committing they can still face large fines and prison time.
- There have been other recent cases in other parts of the country in which victims received a phone call claiming to be from Law Enforcement or a Hospital. The callers stated that a grandchild or child of the victim had outstanding debt, had been arrested, or had been in an accident and payment was needed immediately to protect the grandchild or child from harm. In these cases the victims were instructed to purchase gift cards from companies such as Home Depot or Best Buy, then call the scammers immediately with the gift card numbers.
- Once you've purchased gift cards and given someone else the gift card numbers there is no way to stop the fraud from happening.
- Once you've given out your account number or online banking user name and password the only way to protect yourself from loss of funds is to contact your financial institution to open a new account and close the compromised account.
NEVER, NEVER, EVER give out your online banking user name and password to ANYONE. Never give out your account number in response to an email or phone call or text that claims they need to deposit money into your account. Your account number and online banking credentials should always be kept private and secure to avoid becoming a victim of fraud.
- Another recent scam is a text message claiming to be coming from a cell phone service provider. The text message is designed to look like a security alert and it warns you that you must validate your account by clicking a link, because if you don't validate then your account access will be disabled. If you fall for this alert and click on the link, you're brought to a very convincing fake website that looks like a popular cell phone provider's login page. You're instructed to sign into your account to 'validate your account security', but if you enter your credentials on this fake website the scammers will have your login information and they will be able to take over your account.
Be smart, be safe, and always contact your financial institutions if you believe that you may have given out information that you should not have disclosed.
Please make sure your computer settings use TLS 1.1 and higher for accessing 1st CCU's website, Online Banking, and Bill Pay.
In general, compatible browsers/versions* include:
- MS Edge - Versions higher than 70
- Firefox version 31 and higher
- Safari version 9 and higher for Mac (see below for issues with Safari version 13.0.4)
- Google Chrome version 42 and higher
*Other browsers not listed may still have functionality, but are not recommended and are compatible only in a limited manner. For example, members using Internet Explorer 10 and lower may need to manually enable TLS 1.1 and 1.2 protocols on the Advance tab in IE via Tools>Internet Options to continue accessing the website. Other members using older Operating Systems and browser combinations might be unable to get to the site if they are not able to access without TLS 1.0 (most notably IE 6 and 8 users on Windows XP or Vista platforms).
- Never Give Out Your Online Banking or Mobile Banking User Name and Password!
- Pay Attention To Account Activity:
You are responsible for monitoring your account activity and notifying your financial institution of suspicious activity or fraudulent charges. Online Banking, Mobile Banking, and AccessPoint Credit Card Account Access are offered free of charge to 1st CCU members, as well as monthly paper statements and eStatements. 1st CCU also offers free E-Alerts for notification of daily account balance, online banking logins, and certain electronic transaction activity. For additional protection, ask a Member Service Representative to place a Password on your account. Once you've placed a secure password on your account you will give the password anytime you request information or transactions on your account in person or over the phone.
- Inspect Credit Reports Annually:
All consumers are entitled to a free copy of their credit report every 12 months from each of the 3 major credit reporting agencies. The ONLY website authorized by the Federal Trade Commission (FTC) to provide these free credit report copies is www.AnnualCreditReport.com. Consumers without internet access may request their free copies by calling 1-877-322-8228 or send a request by mail to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.
- Don't Become A Victim Of Phishing Scams:
Always question any suspicious or "official-looking" emails, letters, or phone calls that ask for verification of sensitive information, and never click on links in unexpected or suspicious emails or social media messages.
- Protect Your Device:
Every consumer who owns a computer, smart phone, tablet, or other internet-enabled device should understand what software and systems they have and configure them securely.
- Use Strong Passwords:
When you use the same User ID and Password across several websites you increase your risk. Use strong, unique passwords and don't recycle the same passwords for multiple online accounts.
- Inform Others:
Tell elderly family members about scams and phishing attacks, even if they don't have internet access. They can still become victims of scams during phone calls and mail if they don't know the warning signs.