SunAdvisor - Online

7.90% APR* Personal loans are back
Whether planning a dream vacation, replacing household appliances or simply paying off credit cards, personal loans are a great way to get your finances in order. Personal loans only need your signature. No collateral. Visit any branch to apply.

*APR (Annual Percentage Rate). On approved credit. Terms, restrictions and conditions apply. Payment of $31.29 per $1,000 borrowed for 36 months. Rate subject to change without notice. Offer does not apply to existing loans financed through SunWest. Loan cannot be used for post-secondary education. Incentives and rates are subject to change without notice. Contact us for full details. Offer ends June 1, 2013.

Keep us in the loop
SunWest Federal Credit Union is committed to providing straightforward banking. Of course, we would not be able to maintain this first class experience if we are not able to talk to you.

That is where you come in. If you have recently changed your phone number, email or mailing address, or if you would like to add your cell phone to our records, let a representative know. Simply visit your nearest branch or call us to update your contact information and keep us in the loop.

How Does Credit & Debit Card Fraud Happen?
Today’s card thieves range anywhere from the average Joe hoping to make a quick buck to the highly skilled, highly resourceful hacker ready to sell your information. To better protect yourself against credit or debit card fraud, it is important to first understand how thieves get your information.

Lost or Stolen Card
The card is somewhere...last time you saw it was at the office, or in the car on the way home or under the pile of bills in the kitchen. That was over a week ago. If it was left in a public place, it could be compromised.

Phishing
A few days or weeks after you placed that online order an email, text message or phone call asked you to confirm your card information. Everything sounded and looked legitimate. Online retailers do not need you to confirm your card information.

Dumpster Diving
It’s time for spring cleaning and that folder full of bills is getting out of control. The oldest bills get tossed in the recycling bin.

Point of Sale
Since your last visit to your favorite gas station, a “repair technician” placed a small, indistinguishable card skimmer into the gas pump. You slide your card into the machine, like you do every week. This time your card is read by the gas pump and the skimmer.

Cyber Attack
A company’s computer system was hacked into and every transaction was recorded.

At SunWest we have automated systems in place to monitor your account. If we detect suspicious activity, we will contact you via phone to confirm that you are in fact the one making the purchase. However, if we cannot reach you, we will place a temporary hold on your card to reduce the potential for future fraud.

Even with our systems and procedures, there are steps you can take to minimize the possibility of your information being taken.

Don’t give your account information to anyone over the phone unless you personally made the call and know it is a reputable company.

When using a card at a gas station, look for security tape around the card reader. If there’s no tape, or it looks damaged, go to a different pump or gas station.

Shred all documents containing account information or any personal information using a cross-cut shredder. Mix the shredded documents in with the regular trash, not the recycling. If you place your full trash bags in a bin for pick-up, make sure it’s not the top bag where it can be easily ripped open.

If you receive an email or text message asking to confirm your card information, do not respond to it or click on any link in the email or message. If you are concerned about an online order, call the company or visit the company’s web site by restarting your browser and directly typing the URL.

Save your receipts and compare them with your account statements regularly. This is the most effective way of finding out if your card information has been stolen. Look at those small charges too. Typically a criminal will make a small charge at a well known store/restaurant before making larger purchases.

Are you making the most of SunWest Online?
SunWest has a number of free services available to all members with a checking account. Using SunWest online is safe, secure and can be accessed from any internet-connected computer.

Online banking
It’s easy to start using online banking. Check your account balance, transfer money between accounts, pay bills and sign-up for overdraft services all online. If you’re logging in for the first time, your password is the last four digits of the primary account holder’s social security number or your voice access line code.

Get E-statements
E-statements are free and easy to access. Your statements are securely stored online and accessible anytime from any Internet-connected computer. Access over two years of statements and even get new ones a few days early. It’s quick and easy to start receiving online statements. Just log into online banking and click on the “online statements” tab on the red bar at the top of the page.

Pay bills
Online bill pay allows you to pay almost any bill and even any person. To get started paying a bill online from your SunWest checking account, all you need is a copy of that bill and typically only the account number listed on that bill and the amount due. The information only needs to be entered once and it’s saved. The next time you want to pay that bill, just enter the new amount, select the deliver by date and click pay.

Remarketed Vehicle Auctions

Our Remarketed Vehicle Auctions are held, at our McDowell branch, typically on the last Thursday of the month. The auctions are open to the public and begin promptly at 10:00 a.m. Vehicles may be viewed the Thursday prior to the auction from 8:30 a.m. to 4:00 p.m. (excluding holidays). All winning bids must be honored by 4:30 p.m. on auction day. All auctioned vehicles are sold "As Is" without any expressed or implied warranties. Check here for the next auction or call our hotline, (602) 866-1109.