Welcome to Torch Lake Federal Credit Union

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A Message From
Our CEO

Wow…welcome to Spring!

Now that we have had a

taste of warm weather to

come, we wanted to start our

special on loans early, just like

the season. One of the key points

we are calling attention to is the fact

that when you are shopping for rates

on vehicles remember one thing…

our Credit Union finances 100% of

the value of your auto. So…think

TORCH LAKE FEDERAL AND

THINK 100%

Our checking accounts do not
require a minimum monthly balance
and no monthly service fee….
So…think TORCH LAKE FEDERAL
AND THINK 100% OF YOUR MONEY
STAYS IN YOUR CHECKING ACCOUNT!

The Credit Union is asking you to

tell your neighbors, family and friends

to join and become a member. We

want to become the communities

dependable financial 100%!

Torch Lake Federal Credit Union is

a community Credit Union where

anyone who lives in our charter
from North of Hancock down to

Dollar Bay and up to Copper Harbor can

enjoy our benefits. We are unique and

we are responsible to protect our
cooperative business model.
Whether you have us as

your main financial or just have
an auto loan, share what you love
about your Credit Union. This is a time
of extremes and this is where you,

our members can convey to others
so that they can reap the benefits
our member owned organization
cooperative has to offer.

Effective June 1^st, 2012, we regret
to say that our Lake Linden
location in Kallio Insurance

is closing. This is due to low volume.
Summer is upon us so please allow
us to continue serving you in Laurium.

Torch Lake Federal loan rates are low
and ready to roll off the press. See
if you qualify today….call 337-5565
or visit us on the web….

Torch Lake Federal wants you to
extend good things…..
Credit Union things….
get the Community to join

Regards,

Mary Kay Grabig

CEO

Don't Get Scammed
Torch Lake Federal Credit Union would like to remind members to be aware of Facebook, Email and Texting scams that are occuring. The scammers will contact consumers via one of the above mentioned outlets and offer them a "quick" way to make some extra cash or their assistance is desparately needed. The scammer will then give the unsuspecting consumer instructions to cash United States Postal Money orders and then provide them instructions to wire the funds. (usually out of the country) and keep a percentage for their assistance. DO NOT attempt to cash the money orders they are fradulent. If you do cash or deposit fradulent items you could potentially incur fees and charges and you will have to pay the money back. If you receive any USPS money orders in this manner bring them to your local US Post Office. Remember if it's too good to be true it usually is.

CONSUMER PROTECTION INFORMATION

If you suspect you may be the victim of identity theft or consumer fraud, visit www.ftc.gov

Torch Lake Federal Credit Union reminds members that we will not contact members via text or email to request information. If you are suspicious of any correspondence please contact our offices:
906 337-5565 Monday - Friday 9am - 4:30pm

Safeguarding Your Information

In today’s high tech world, we are able to do things more quickly and conveniently electronically whether it is to send a letter via email, pay bills or even go shopping online. With this increase in speed and convenience also comes increased risk. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. At Torch Lake Federal Credit Union, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. One of the best ways to avoid fraud is to become an educated consumer and we would like to help you in this endeavor. Please take a moment to read this important information on how to keep yourself safe when conducting business online.

How to Keep Yourself Safe in Cyberspace

An important part of online safety is knowledge. The more you know, the safer you’ll be. Here are some great tips on how to stay safe in cyberspace:

1. Set good passwords. A good password is a combination of upper and lower case letters and numbers and one that is not easily guessed. Change your password frequently. Don't write it down or share it with others.

2. Don't reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe, do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.

3. Don't download that file! Opening files attached to emails can be dangerous especially when they are from someone you don't know as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a good antivirus program on your computer that is up-to-date.

4. Links aren't always what they seem. Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL address directly and then log in.

5. Web sites aren't always what they seem. Be aware that if you navigate to a Web site from a link you don't type, you may end up at a site that looks like the correct one, when in fact it's not. Take time to verify that the Web page you're visiting matches exactly with the URL that you'd expect.

6. Logoff from sites when you are done. When you are ready to leave a site you have logged in to, logoff rather than just closing the page.

7. Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away.

8. Assess your risk. We recommend periodically assessing your online banking risk and put into place increased security controls where weaknesses are found; particularly for members with business accounts. Some items to consider when assessing your online banking risk are:

Who has access to your online business accounts?

How and where are user names and passwords stored?
How strong are your passwords and how often are they changed? Are they changed before or immediately after terminating an employee who had access to them?
Do you have dual controls or other checks and balances with respect to access to online banking transactions?

9. Do NOT use your PIN Number when ordering on-line.

What to Expect From Torch Lake Federal Credit Union (TLFCU)

· TLFCU will NEVER call, email or otherwise contact you and ask for your user name, password or other online banking credentials.

· TLFCU will NEVER contact you and ask for your credit or debit card number, PIN or 3-digit security code.

Credit Cards

TLFCU owns their credit cards and have all your information, so if you receive a call from ”Card Services” decline to provide any information and call TLFCU to report a call inquiring about your credit card.

Rights and Responsibilities

With respect to online banking and electronic fund transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the Account Information Disclosures you received when you opened your account with TLFCU. If you notice suspicious account activity or experience security-related events, please contact the credit union immediately:

1-906-337-5565

Monday-Thursday 9am – 4:30pm
Friday: 9am – 6pm
Saturday: 9am – 12pm

If you lose your card or notice fraudulent activity on your card afterhours you can
call and cancel your card with the contact numbers provided below. Please note
your card has been lost/stolen or fraudulent activity has been detected.
*Please call our office the next day to file a formal report with a Member Account Representative.

LOST/STOLEN VISA
ATM/DEBIT CARDS

1-800-535-8440

LOST/STOLEN VISA
CREDIT CARDS

1-800-325-3678

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LAKE LINDEN
OFFICE HOURS

Tuesday: 9am-1pm

Friday: 9am -1pm

Account assistance or information:
(906) 337-5565

Monday-Thursday
9:00 am - 4:30 pm

Friday: 9:00am-6:00pm

Saturday (Lobby & Drive-up)
9:00 am - 12:00 pm

Consumer Information

LAKE LINDEN OFFICE HOURS