Members First Credit Union of Florida - December 2024 Newsletter

"Home" for the Holidays With the Right Home Loan for You!

With the prime rate taking a dip, it's like Christmas has come early. Members First Credit Union of Florida has the right home for the holidays home loan to help you:

Build the home of your dreams
Purchase your first home
Refinance your current home
Put the icing on your holiday shopping or honey-do list by tapping into your home's equity

Why Choose Members First?

Competitive Rates: Take advantage of our low, favorable interest rates to make your dreams affordable.
Personalized Service: Our team is experienced, knowledgeable, and committed to providing the best personalized support and guidance throughout the home loan process.
Flexible Terms: We offer a variety of loan options and terms to fit your financial situation and goals.
Local Expertise: As a member-focused credit union, we understand your needs and are dedicated to helping you achieve your goals and thrive.

Make the season brighter when you lock in these low rates and make your holiday home dreams a reality.

Learn More or Apply

APR = Annual Percentage Rate. All loans are subject to credit approval. Rates and terms are based on individual credit worthiness. Terms and conditions apply. NCUA Insured. Equal Housing Lender. NMLS# 405711.

Make Merry & Earn Rewards With A Members First Visa® Credit Card

Credit Card Holiday Image

Before you can say "gingerbread," you'll be showering your friends and family with wishes for a Merry Christmas, Happy Hanukkah, or all-around joyous holiday season! While the holidays are a blast, we get that spreading joy can be a bit of a juggling act. If you find yourself in need of a festive sidekick or a little extra cash to keep the merry vibes flowing, we've got your back! Use your Members First credit card to purchase gifts for your loved ones, travel, or a feast for family and friends, and earn rewards.

Don't Have a Credit Card With Us?

Our credit cards come with low, competitive rates and rewarding benefits. Plus, with My Cards and our secure Internet Banking and Mobile Banking platform, you can monitor your spending, manage payments, lock/unlock your card, and more. Apply today and start earning rewards on your day-to-day and holiday purchases.

Apply Today

All loans are subject to credit approval. Rates and terms are based on individual credit worthiness. NCUA Insured.

Manna Food Drive Image

Help Manna and Members First Credit Union of Florida in our mission to provide the healthiest food possible for our neighbors in need during the holidays. Members First Credit Union of Florida will be holding a food drive for Manna Food Pantries now through December 31, 2024. Monetary donations or donations of non-perishable food items will be collected at all Members First Credit Union of Florida branch locations. Monetary donations may also be made by speaking with one of our Contact Center representatives.

Some of Manna's most needed non-perishable food items include:

Canned Fruit in 100% Juice
Canned Vegetables
Oatmeal (boxes of individual packets)
Tuna (cans 12.5 oz. or smaller, pouches, or to-go kits)
Chicken (cans 12.5 oz. or smaller, pouches, or to-go kits)
Peanut Butter (16.3 oz. jars or smaller or individual to-go cups)
Shelf-stable Microwaveable Meals (e.g. Hormel Compleats)
Canned Beans
Canned Soup (low-sodium)
Whole Grain Cereal Bars

Find A Branch Near You or Contact Us

More Ways to Give Back This Holiday Season

For more ways to give back with a grateful heart and cultivate the season of giving this holiday season, check out these local charities that we support.

Learn More

Holiday Savings Tips

The holiday season is a time for joy and celebration. While you're making merry, it can be easy to lose sight of your financial goals. To help ease financial strain and ensure you enjoy the festivities without breaking the bank, we're sharing some holiday savings tips to consider.

Learn More

Fee Free Gift Card Promo Image

Give Gift Cards

Make the holidays easy for you and your loved ones. Buy Members First Credit Union of Florida Visa® Gift Cards that can be used domestically everywhere debit cards are accepted. Gift cards are available at all branch locations. Plus, from now through December 31, 2024, we'll waive the $2.95 purchase/activation fee.

Choose a card design
Load from $10 to $1,000
Let them purchase what they want or need

Find A Branch Near You

Use domestically everywhere debit cards are accepted. No ATM or Cash access. Gift cards are issued by Pathward, N.A., Member FDIC.

Common Holiday Scams and How You Can Sleigh Them

With the holidays right around the corner, you may find yourself shopping more and spending more. To help you and your loved ones stay aware, informed, and protect your personal and financial information, we're sharing common holiday scams you might face and ways you can sleigh them.

Learn More

Exciting News: Account Notices Are Going Digital!

Digital Account Notices Image

Attention eStatement Members: We're thrilled to announce a greener, faster, and safer way to stay informed about your account!

Starting December 1, 2024, your account notices will be delivered electronically—just like your eStatements.

Here's how it works:

When a new account notice is ready, you'll receive an email alert.
Log in to Internet or Mobile Banking, navigate to "Online eStatements", and view your notice instantly.

No paper clutter. No delays. Just quick, secure access to your important account information.

Thank you for helping us reduce waste while staying connected. If you have any questions, feel free to reach out—we're here to help! We can be reached at (850) 434-2211, option 5, or by email at mfcufl@mfcufl.org.

Not Enrolled in Electronic Delivery Yet?

Join the movement to "Go Green" and start receiving your account statements and notices electronically! It's simple to enroll: just log in to Internet Banking or the Members First mobile app and navigate to Online eStatements to get started.

Reflecting on Financial Goals

Reflecting on your financial goals can be a powerful exercise as you approach the end of the year. Reflecting on your goals during this time, gives you the opportunity to assess your progress, celebrate your achievements, and identify areas you may need to make adjustments. We're sharing some steps to help guide you.

Learn More

YOUR BILLING RIGHTS: This notice tells you about your rights and responsibilities under the Fair Credit Billing Act.

WHAT TO DO IF THERE IS A MISTAKE ON YOUR STATEMENT
If you think there is an error in your statement, write to us at:

Members First Credit Union of Florida
PO Box 12983, Pensacola, FL 32591-2983
www.membersfirstfl.org

In your letter, give us the following information:

Account Information: Your name and account number.
Dollar Amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.

You must contact us:

Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.

You must notify us of any potential errors in writing [or electronically]. You may call us; but if you do, we are not required to investigate any potential errors, and you may have to pay the amount in question.

WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER
When we receive your letter, we must do two things:

Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.

While we investigate whether or not there has been an error:

We cannot try to collect the amount in question or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date the payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.

If you receive our explanation, but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.

If we do not follow the rules above, you do not have to pay the first $50 of the amount you question, even if your bill is correct.

YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.

To use this right, all of the following must be true:

The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (NOTE: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you goods or services.)
You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.
You must not yet have fully paid for the purchase.

If all the criteria above are met, and you are still dissatisfied with the purchase, contact us in writing [or electronically] at:

Members First Credit Union of Florida
PO Box 12983, Pensacola, FL 32591-2983
www.membersfirstfl.org

While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe any amount and you do not pay, we may report you delinquent.

Special Hours Notice:

All Members First Credit Union of Florida branch locations will open at 9:30 a.m. on Tuesday, December 10, 2024, due to an Employee Appreciation event.