Some automated calls and text messages may be phishing attempts. If you receive a message asking for your complete debit card number or other personal information, do not give it.

SACU sometimes uses an automated system to call card owners, asking them to confirm that individual transactions are valid. In a legitimate call, SACU will only ask you for your zip code. Then the automated system will mention the last four digits of your card number. SACU will not ask you to provide a complete account or card number, PIN or other personal information.

If you still have questions, please email or contact Member Services.

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Regardless of your age, contributing to an IRA is a very important part of a retirement plan. The earlier you begin contributing, the longer you have to make your dollars grow. Make sure you are making the largest contribution possible each year. Remember that you can contribute to your Traditional or Roth Individual Retirement Account (IRA) for 2012 through April 15. If you don't have an IRA, tax laws allow eligible taxpayers to open an IRA and contribute to it until the day tax returns are due, excluding extensions.

The contribution amount for an eligible individual in 2012 is the smaller of $5,000 or the amount of your taxable compensation. Eligible individuals 50 years and older are allowed to make a contribution that is the smaller amount of $6,000 or the amount of your taxable compensation. This limit can be split between a Traditional IRA and a Roth IRA. Be sure to check with your tax advisor to find out whether your IRA contribution is tax deductible. SACU offers both Traditional and Roth IRAs, and our Trusted Advisors will be happy to help you determine which IRA is right for you.

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Unlimited share insurance coverage for "noninterest-bearing transaction accounts" expired on December 31, 2012. As a result, effective January 1, 2013, noninterest-bearing accounts are aggregated with interest-bearing accounts and insured up to at least $250,000 for accounts held in the same ownership at SACU.

The National Credit Union Association (NCUA) protects the money you have in SACU and other federally insured credit unions. Ask us how you can ensure your money is protected or visit NCUA.gov to use the e-Calculator.

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CU Factory Built Insurance Agency, LLC, a wholly-owned subsidiary of SACU is bringing you access to a BIG new benefit with special savings. Now, just for being a member of SACU, you can get special group discounts on auto and homeowners insurance from MetLife Auto & Home^®. Click here for additional information.

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SACU wants you to be aware of scams that are circulating on the Internet and through the mail. These scams do not target SACU members specifically, but we want you to be aware and avoid being a victim.

Signals that the offer you received may be a scam:
    The opportunity sounds "too good to be true" – it probably is!
    Making money hinges on the victim's paying money to someone
    The writing is unnatural, as if foreign text had been translated into English
    Retailer's names may be misspelled

Some types of current scams:
Mystery/Secret Shopper Scam
Lottery/Sweepstakes Scam
Inheritance Scam
Work-At-Home Scam
Online Auction Scam
Romance Scam

If any of these situations sound familiar, think twice before taking any action:

    Been offered a job as a mystery or secret shopper
    Won a lottery or sweepstakes contest that you didn’t enter
    Inherited money from a relative you don’t know
    Been offered a job to work at home with little effort on your part
    Sold an item in an auction and you are sent more money than the item sold for
    Met “the love of your life” online and he/she needs money for an emergency

TIP: To be sure that no money goes out of your account before the deposited item is confirmed as legitimate, ask the teller to deposit it as a “collection” item.  

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From time to time, financial institutions are alerted to breaches that may compromise debit cards. To reduce the risk of card fraud and to protect your account, SACU may block certain types of debit card transactions in foreign countries and/or within the United States. Click here for more information.

In the event your debit card is denied while conducting a transaction or for more information, please call our Member Service Center Monday-Friday 8 a.m. to 6 p.m. Central Time at (210) 258-1234 or U.S. toll free at 1-800-688-SACU (7228).

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