FIRST PACE Credit Union has been notified of a new risk associated with text messaging. These phishing attempts to get your debit or credit card number seem to come from a credit union but are not legitimate. We would never ask for personal information via text, phone or email. We have not experienced any fraud and hope by alerting you, you may avoid any scams. The following is an excerpt received from our bonding company:

Credit unions and leagues across the country continue to report a high volume of text message and phone phishing attacks against credit union members and nonmembers. Many of the individuals being targeted do not belong to the credit union whose name appears in the text message or phone call. The automated message indicates the individual’s card has been de-activated and to re-activate the card, he/she must enter their 16 digit card number, CVV2/CVC2, card expiration date, and/or PIN. In some cases there was no number attached to the call. Some members have fallen prey to the scam and provided their card information, which resulted in subsequent fraud.

We ask that you:

• NEVER respond to a text message or phone call that requests personal or account information
• REPORT any incident to the Federal Trade Commission and to file a complaint with the Internet Crime Complaint Center
• REPORT the telephone number(s) to your local carrier immediately so it can attempt to shut it down.
• MONITOR financial accounts (deposit and credit card accounts) on a regular basis.  Immediately report any unauthorized transactions.

FIRST PACE Credit Union provides credit union services designed specifically to meet the unique financial needs of our members and their families.

Unlike a bank, we are a not-for-profit, member-owned financial institution. That means, instead of profits going to stockholders, we return our earnings to our members in the form of higher savings rates, lower loan rates, and fewer and lower fees. And each member account is insured to at least $250,000 by the National Credit Union Administration.

We give our products and services a personal touch, with the basic credit union philosophy of members helping members achieve financial success. We provide a wide range of services to help, either directly or through our CUSO (Credit Union Service Organization) CU Companies.

We are a member of the Minnesota Credit Union Network, receiving regulatory and legal guidance from them. They also provide us with invaluable assistance on networking with other credit unions for products and services, educational seminars and political legislation to ensure the prosperity of credit unions. To learn more about Minnesota credit unions, find a credit union to join or to become politically involved, visit their website at www.mncun.org .

Privacy Notice
FIRST PACE Credit Union is committed to providing you with financial products and services to meet your needs and help you reach your financial goals. We are required by law to give you this privacy notice. If after reading this notice you have any questions, please contact us at 651-451-8495.

What follows is a description of the information we collect and disclose, including the parties who receive nonpublic information from us, as permitted by law, to conduct the business of the credit union.

Categories of Information We Collect
We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us
• Information we receive from a consumer reporting agency

Categories of Information We Disclose & Parties to Whom We Disclose
We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law.

Confidentiality and Security
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help
Your Credit Union is committed to protecting the privacy of its members. You, our member, can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.

• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.

• Keep Your Information With Us Current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use on an account, we will attempt to contact you immediately. If your address, email address or phone number changes, please let us know.

Third Party Links
FIRST PACE Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a third-party site. FIRST PACE Credit Union neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. FIRST PACE Credit Union's privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information.

Information sent by email is at risk of loss of confidentiality if the information is transmitted over the Internet. We do not recommend sending confidential information such as social security or account numbers by email. You can contact us directly at 651-451-8495.