We frequently advise our members to be on the look out for "if it sounds too good to be true...". About 18 months ago, we were advising our members to be cautious about purchasing certificates of deposit that are offering rates way above market rates.

There's a reason that a banking institution is offering above market rates. In this case, it was to offset high risk mortgages. And, now what's happend with Indy Bank is no surprise to us.

At AM Federal Credit Union, we can offer you extremely competitive rates on your savings and on your loans. The reason we can do that is because we are not for profit. Any profit we make goes back to you - our members. Any other bank is in business for profit. Any profit they make goes back to their shareholders - not their customers. They're in the business of making money - not serving their membership.

We do not offer any products or services that are not in the best interest of the people we serve. We will not put you in a home you can't afford or sell you an investment that is not totally for your benefit.

Think about it! AM Federal Credit Union - a true cooperative - serving our community since 1936! Hundreds of years of financial expertise is waiting to be taken advantage of by you - our member.

Trust

1,000's of Southern California families have taken advantage of a relationship with a trusted advisor - their credit union. For the past 72 years, we have helped make many of our members millionaires by offering sound financial products and services.

Our members trust us to speak the truth. Earning and keeping your trust is the standard for everything we do.

Credit Repair Scams

You see the ads in the newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail. You may even get calls from telemarketers offering credit repair servicers. They all make the same claims:

Credit problems? No problem!

We can erase your bad credit - 100% guaranteed.

Create a new credit identity - legally.

We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!

Do yourself a favor and save some money, too. Don't believe these statements. They're just not true! Only time, a conscientous effort, and a plan for repaying your debt will improve your credit report.

It don't mean a thing if it ain't got that BLING!

We have had an overwhelming response to our new 24KT Checking Account. Our loyal members, who use their credit union's products are happy that they are getting a HUGE reward!!

If you keep at least $2,500 in your checking account and you use your AM FCU debit card for purchases and you have a direct deposit or allotment coming into your account, and your statement is delivered electronically, you can receive a high rate of interest, currently 3.0% APYE, for your first $10,000 in the account - along with many other personalized services! Call for more details 310-638-2934.

If you don't have a checking account with us, we can open one for you in minutes and you can begin to enjoy the luxury of 24 KT!

We're making loans and giving advice

Members experiencing financial trouble - We encourage you to call us at 1-310-638-2934 before you "do" anything - If you're thinking of bankruptcy - call us first. If you're having trouble with your mortgage - call us first. If your credit card bills are beating you down - call us first.

Why? Because we have over 72 years in the financial services industry and have experienced professionals that can explain situations they have seen many times and can offer sound advice and perhaps a way out of your jam.

And your credit union is not in the business of ripping you off, or making a buck at your expense - financial cooperative - making all our members lives better.

FALCON Plastic Card Security

ATM, Debit and Credit Card fraud is rampant. The card does not even have to leave your possession to allow the thief to steal your money.

AM FCU has purchased a new layer of security to protect your hard earned assets.

FALCON Fraud Security watches over your ATM and Debit Card Activity "like a hawk". . . or at least like a Falcon! This system monitors your card activity, watching for transactions that appear abnormal. Large purchases, out of the area purchases are transactions that could put FALCON into effect. What do have to do?

FALCON will call you to verify that you approved the transaction. If you did not, FALCON will restrict your card to not allow any other fraudulent activity to take place. It's very important that we have current contact numbers on all our members.

Please contact a Member Service Representative to update your information or to answer any questions you may have regarding this comprehensive security feature. 310-638-2934 or 1-800-263-2809