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NMLS #433914



 Let MWRD pay your closing costs!*

You could receive up to $2,000 in lender credit to pay closing costs and other mortgage expenses for refis and now PURCHASES, too!

As a member of MWRD ECU, you can request a free consultation with Colin Ungstad (NMLS #450055) from AnyHour Mortgage, our trusted mortgage partner, to learn more about all your options. Call Colin today at 630-383-0121.

Plus, access a full suite of online tools to help you get started right now!

 *Excludes escrow. Average closing costs in the state of Illinois for a refi are under $2,000.00. Mortgage financing must be booked through MWRD Employees’ Credit Union. Some exclusions applicable; terms and conditions apply. Note: Loan origination fees in the state average $1,080, with other common third-party fees running up to $767. Source - Investopedia

LIMITED TIME OFFER. Contact a credit union representative for complete details.

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 What to do after a major data breach

Equifax, one of America’s three main credit-reporting companies, estimates 143 million consumers may have been affected by a cybersecurity attack this summer that accessed names, birth dates, addresses, Social Security, driver’s license and credit card numbers. You can safely learn more by calling Equifax at 866-447-7559 or visiting:

www.equifaxsecurity2017.com

Security experts also offer these tips:

  1. Use extra caution on email. Do not click on links in unsolicited emails.
  2. Change all your financial passwords - especially any you use any on multiple accounts.
  3. Enable two-factor authentication for extra security wherever it is available.
  4. Monitor your accounts for suspicious activity as always.
  5. Remain vigilant - obtain your three free credit reports at www.annualcreditreport.com on a regular schedule. Stolen Social Security numbers do not expire, so they can be sold and used for years to come.

Extra protection available at TransUnion (800) 916-8800 and/or Experian (877) 284-7942:

  • A fraud alert warns creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name is really you.
  • A credit freeze makes it harder for someone to open a new account in your name.

If you discover your information has been compromised, or you suspect fraud on any of your accounts, please contact us -- your trusted credit union professionals. We will advise you on important steps to help maximize your financial protection.

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 IMPORTANT CHANGE: Read this to Avoid Overdrafts

Revisions to the rules for Automated Clearing House (ACH) credits and debits took effect September 15, 2017. These changes mean that electronic credits and debits (including checks that you issue which are subsequently processed as electronic debits) may be eligible for processing on the same day that they are authorized by you.

This results in a faster payment system, which has great benefits when you are receiving a payment, but also means that payments you make may clear your account sooner than they have before. This change applies to all financial institutions and merchants/vendors offering ACH services and all account holders receiving ACH transactions.

What does this mean to you? It is important to make sure that funds are available in your account before you make in-person, online, or via telephone payments to avoid incurring overdrafts and fees. Checks should never be issued nor payments scheduled if sufficient funds are not available to satisfy the payment. Previously, ACH transactions could have taken 1-2 days to process; now,
the same transactions may post the same day on which you authorize them.

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 Upcoming Credit Union Holidays
Thanksgiving Holiday Thurs, Nov 23 - CLOSED
Fri, Nov 24 - CLOSED
Christmas Mon, Dec 25 - CLOSED
New Year's Day Mon, Jan 1, 2018 - CLOSED

Remember, you have access to your accounts online or 1-855-391-3788. PLUS, access cash from thousands of surcharge-free ATMs.