Financial Benefits Credit Union

With rates as low at 3.7%, now is the time to bring your auto loan to FBCU. Our new rates are good for refinance or purchase. Call us now at 510-433-9200. Our member service representatives are waiting to hear from you!

If you have a Cyberbranch logon, you can apply online. You may also click onto "online services", located on the left side of our homepage. There, you will find a link to the applications center. You can print and fax us an application.

We've made it convenient, fast and easy for you. Don't allow this limited time offer to pass you by.

In an effort to protect our members from phishing attacks - fraudulent emails

that trick members into disclosing their account numbers and passwords to a third party - the credit union has implemented a second security question for our members to set for their account.

The next time you log into CyberBranch, the system will prompt you to enter a security question and answer. It is very important that when you enter your question or answer to not use any symbols (and that includes question marks!).

After you establish your question, you will be asked it every time you log on. If CyberBranch does not prompt you with your question, you may have been compromised. Contact the credit union immediately. If we are not open, close your browser and then re-open it. Type in our web address in your address bar and try logging in again. If you then get the security question, answer it and reset your password immediately.

Remember, the credit union will never send you an email requiring you to reset your password or verify information on your account - including your social security number.

One of the best features we offer to our members is our Certificate of Deposit program.

Whereas many banks want CD's with large balances and even longer terms, Financial Benefits Credit Union offers CD's with starting balances as low as $500.00 and terms as short as three months. We match these features with very competitive rates!

We would like to see members who use this benefits to have a CD mature each month - creating a "CD ladder" that can be drawn upon in the event of a financial emergency.

All of us who live and work in the Bay Area consider ourselves lucky. However, it does come with the risk of being in earthquake country.

The staff of Financial Benefits Credit Union has policies and procedures in place in the event that a major earthquake, or other disaster, strikes the Bay Area.

We would like to take this opportunity to remind our members that the credit union has both our automated Call24, our 24/7 phone service, and CyberBranch, our online banking service, available in the event of an emergency. For those members who are able to access CyberBranch, you can use the E-Message feature to contact the credit union directly, otherwise, send emails to fbcudirect@aol.com.

Furthermore, if a major disaster occurs, the credit union will provide regular updates on this webpage.

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Important Information About Procedure(s) For Opening A New Account

THIS IS YOUR DISCLOSURE CONCERNING IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT. IT CONTAINS INFORMATION CONCERNING OUR REQUEST FOR INFORMATION IN ORDER TO VERIFY YOUR IDENTITY AND INCLUDES NECESSARY DISCLOSURES AS REQUIRED BY THE USA PATRIOT ACT (31 CFR PARAGRAPH 103 ET SEQ.) AND THE NATIONAL CREDIT UNION ADMINISTRATION RULES AND REGULATIONS (12 CFR PART 748). PLEASE BE CERTAIN TO READ THESE DISCLOSURES CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Throughout these Disclosures, the references to "We", "Us", "Our" and "Credit Union" mean FINANCIAL BENEFITS CREDIT UNION. The words "You" and "Your" mean each person applying for and/or using any of the services offered by Us. "Account" means any account or accounts established by You.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account.

What this means for You: When You open an Account, We will ask You for Your name, address, date of birth, and other information that will allow Us to identify You. We may also ask to see Your driver's license or other identifying documents.