Coventry Credit Union will be hosting an organ donation awareness program during the month of
August with the Rhode Island Organ Donation Awareness Coalition. There will be representatives from
the coalition at branches throughout the month, the schedule is as follows:
Friday August 1, 2008 Main Street Branch (Coventry)
Friday August 8, 2008 West Greenwich Branch
Friday August 15, 2008 Nooseneck Hill Branch (Coventry)
Friday August 22, 2008 Manville Branch
Friday August 29, 2008 West Warwick Branch
Celebrate 10 years of Coventry Credit Union in Northern Rhode Island this August. To commemorate our 10th anniversary we will be offering the following:
- 10.08% Certificate of Deposit ($1,000 maximum & minimum, 1 per member, interest paid at maturity, at maturity the CD will roll into a 1 year CD at market rate
*Annual Percentage Yield
- Enter-to-Win Prizes: Flat screen HDTV, Tickets to Stadium Theater and gift certificates to local restaurants, you must enter to win at the Manville location
- Giveaways will be given out throughout the month!
- Rhode Island Organ Donation Awareness Coalition will be visiting the branch on August 22nd to provide information about the importance of becoming an organ donor
Young Savers' Club Members are invited to join in the celebration of Pee Wee Penguins
birthday August 12th -16th at all of the branch locations. Refreshments for our young
members will be available on Friday August 15th. Gifts for the Young Savers'
will be available all week,
while supplies last! Come down and open an account today for your young one 12 and under.
FREE Student CheckMate Checking Account
Free Checking with the use of CCU Visa Check Card
Free Incoming Wires to Checking Accounts
Free First 50 Checks
Free Direct Deposit
Free Member Net: Online services and Free Online Bill Pay
Free Tracking Binder with monthly inserts
Free Money Orders & Cashiers Checks
Free ATM Transactions (foreign ATM surcharges aren’t covered)
Free Gel pen to protect against check washing
PLUS...
Unlimited check writing
No Minimum Balance
Overdraft Protection
No Monthly Fee with use of Free VISA Check Card
Convenient ATM Locations: MoneyPass and Credit Union Connection
and MORE... When you open a New Student CheckMate
checking account you will receive CheckMate Oops!!!
coupon. This coupon is good for a one time service free refund for one of the following:
Non-sufficient Fee, Overdraft Protection Fee, and Stop Payment Fee. Ask a Coventry Credit
Union friendly member service representative about CheckMate
Oops!!! coupon when you open your student checking account!
and MORE... ¼% Consumer Loan Rate Discount with direct payment from a CCU Checking Account*.
* Discount available on consumer loan products. Subject to change at any time.
and MORE... Refer a friend to open a CCU Student CheckMate checking account and you both earn $10*
* The account must be open for at least 90 days. All offers are subject to change at any time without notice.
** You must be 18 and over.
A Home Equity Line of Credit with Coventry Credit Union will help you to finance a college education for your children and provide them with a bright future.
We offer:
- Financing up to 95% value of residence (Over 80% LTV requires PMI approval)
- Prime rate with no closing costs
- Fast turn around and friendly service
Select Current Rates for a listing of current rates and terms those are available.
Call for more details 401-397-1900 or 1-877-397-1900
Make their dreams come true!
Alexandra Sexton-Lincoln High School
Amy Hutchinson-Exeter-West Greenwich High School
Lindsay Paiva-Coventry High School
Kenneth Murgo-Mt. Hope High School, Bristol-Warren
Kyle Vinton-West Warwick High School
Coventry Credit Union recognized five top Rhode Island seniors with a $1,000 scholarship to help further their education.
The recipients were chosen based on consistent academic performance as well as their involvement in their school and
community. Coventry Credit Union is proud to support the following hardworking, bright and dedicated students:
First Time Home Buyer
Financing your first home is easy and affordable with our First Time Home Buyer Program which features:
- 97 % - 100% financing (Depending on credit)
- No maximum loan amount
- Low rates
Purchasing or Refinancing
Our mortgage and refinancing programs are easy with our fast, friendly service and great features including:
- Competitive rates
- 15, 20 and 30 year mortgage options
- 90% cash out refinances
- Low closing costs
- VA Loans
- Problem Credit - may not be a problem. Special programs available
NEW! Coventry Credit Union is now offering Rhode Island Housing Mortgages:
Call Denise Warburton at 392-2363 for more information!
Coventry Credit Union Vacation Club!
Make your vacation dreams a reality...
- $2.00 minimum to open account
- Club accounts earn a bonus
- Bonus$: 50 equal deposits are required to earn a one week bonus
- Withdrawals are not allowed
- At the end of the club account your funds and bonus will be transferred to your credit union share account.
Call a Coventry Credit Union Member Service Representative for details at 401-397-1900 or e-mail: coventrycu@coventrycu.org
Tired of high fees? Tired of inconvenient services?
Switch to Coventry Credit Union FREE Membership Plus Checking account with FREE VISA Check card today -
It's Fast! It's Easy!
Make the switch and receive $ 50!!! Call a Coventry Credit Union Member Service Representative for details.
We've done the work for you…
For your convenience we've created switching forms and a list of popular automatic payment companies and addresses to help make IT EASY to fill-out Authorization for Automatic Payment forms. Click here to download switching forms.
Need Help?
Need help filling out these forms? Call a Coventry Credit Union Member Service Representative for assistance at 401-397-1900 or e-mail: coventrycu@coventrycu.org
Free Membership Plus Checking
Take the first step and we'll help you with the rest.
- FREE checking with use of FREE CCU VISA Check Card
- FREE first 50 checks
- FREE Direct Deposit
- FREE Member Net: online banking and online Bill Pay
- FREE Tracking Binder with monthly inserts
- FREE Incoming wires
- FREE ATM transactions**
- PLUS no monthly fee with use of free VISA check card
- PLUS Unlimited Check writing
- PLUS no minimum balance
- Plus Consumer loan rate discount***
- FREE Gel Pen to protect check washing
- Overdraft protection available
* $50 will be automatically deposited in your share account just for signing up for direct deposit. The account must remain open at least 90 days. This offer is subject to change at anytime without notice.
** Foreign ATM surcharges are not covered
*** ¼% off discount with direct payment from a CCU checking account
Most families when faced with sending their child to college will
likely use a little bit of both personal savings and student loans.
Should your student need to borrow, they should first consider
federally-guaranteed Stafford loans. Stafford loans are the primary
federal student loan and can be either subsidized (the government
pays the interest while the student is in school) or unsubsidized.
The college or university your student plans to attend
will likely have included a line item for this loan in the financial
aid award letter. The benefit of the Stafford loan is that it carries
a low, fixed interest rate of 6.8%; it offers generous repayment
terms and if you file your Free Application for Federal Student
Aid (FAFSA) each year, your student will continue to be eligible
for these loans each year. The loan amounts vary depending on
your status as an independent or dependent student.
As a parent, you want the best
for your family. If you are considering
borrowing money to
pay for your student's education,
you will want to consider a PLUS
loan. A federal Parent Loan for
Undergraduate Students (PLUS)
carries a low, fixed rate of 8.5%,
offers generous repayment terms;
repayment on these loans begins
60 days after the final disbursement
each year.
Private loans however are not federally-guaranteed and usually
carry a higher, variable rate that is tiered based on the borrower's
and/or co-borrower's credit profile. Private loans are often taken
out by the student with a parent co-signer.
When using federally-guaranteed loans, you will have the piece
of mind in knowing that you are choosing the best options to
finance that investment.
What is Fraud?
It's the fastest-growing crime in the U.S. Most people don't realize they've
been victimized until months later. Fraud or identity theft happens when your
personal information is taken without your permission to make withdrawals,
or open accounts. This can damage your credit rating.
What can You do to Prevent Credit Card Fraud?
- Sign your cards immediately.
- Carry your card separately from your wallet.
- Keep a record of your account numbers, expiration dates, address and phone number of each company.
- Watch your card during a transaction, and get it back as quickly as possible.
- Save receipts to compare with your billing receipts.
- Void incorrect receipts and shred carbons.
- Open bills promptly and review thoroughly, reporting any questionable charges promptly and in writing to your card issuer.
- Notify card companies in advance of a change in address.
- Do not lend your cards to anyone or leave them (or receipts) lying around.
- Do not write your personal identification number (PIN) for cash withdrawals on your card or near it.
- Shred anything with your account number on it prior to throwing it away.
- If you don't receive your billing statement, notify your card issuer immediately.
- Do not sign a blank receipt.
- Never write your account number on a postcard or the outside of an envelope.
- Never provide your credit card number over the phone to an unsolicited caller.
- Request and review a copy of your credit report at least annually. Visit the Coventry Credit Union website www.coventrycu.org for more information.
Find freedom from surcharges with MoneyPass. The MoneyPass ATM network has thousands of convenient locations from coast to coast, giving you more choices for accessing your accounts, and surcharge-free! This means that you can use your Coventry Credit Union ATM* or Debit card at all non-Coventry Credit Union's locations which display the MoneyPass logo, and you won't be charged a surcharge fee by your bank or your credit union.
So whether you keep your travels close to home or hit the road often, look for the MoneyPass logo to avoid surcharges. You can find the MoneyPass ATM location nearest you at www.moneypass.com. Use your Coventry Credit Union ATM or debit card or apply today, and don't worry about ATM surcharges
* You may be assessed an additional fee.
Your online security has always been top priority at Coventry Credit Union. We continually seek out new technology to provide state-of-the art security for all your online accounts. After much research we are pleased to announce our newest level of security Enhanced Login Security. This new security service is free, easy and most importantly, gives you extra protection from fraud and identity theft.
Enhanced Login Security identifies you as the true "owner" of your accounts. Now, not only will your password be recognized, your computer will be recognized as well. If we don't recognize your computer - say you've logged in from a public computer or one you have not used before - you will be prompted to provide information that only you will know as an additional line of defense against unauthorized access to your accounts. It is simple, set it up once and you are all set. The next time you log in, it is business as usual and the rest of your online banking experiences will remain exactly the same.
Enhanced Login Security will:
- Defend against identity theft and fraud.
- Provide security from any computer, wherever you are.
- Make it easy for you with one-time sign-up.
Enhanced Login Security is just one more way Coventry Credit Union is working to protect you from fraud, everyday and everywhere.
We're a nation on the go. There's work time, fitness time, child time, spouse time, parent time, friend time and if you're lucky - some quiet time. Wouldn't it be nice to worry about one less thing? Try direct deposit at Coventry Credit Union.
With direct deposit, you authorize your employer or federal agency, like the Social Security Administration, to deposit your check directly into your Coventry Credit Union account so you can access funds without visiting the credit union. Instead of a check, you receive a paper record of the transaction. Employers, for example, provide an earnings statement on payday showing net deposit and how much was withheld for taxes, company savings plan, or any other withheld amounts.
Direct deposit isn't just for paychecks. If you're receiving other sources of income, such as Social Security, stock dividends, bonuses, or commission payments, you can easily switch them to direct deposit.
The Internal Revenue Service is also getting into the act. Direct deposit now delivers tax refunds to accounts of both electronic and non-electronic tax files.
No matter where you are coming from direct deposit takes the worry out of:
- Stolen or misplaced checks
- Delayed deposits
- Losing potential dividends
- Lost time
Check washing, a growing problem in the United States, costs about $815 million dollars to credit unions, banks, and merchants every year, and continues to grow. Check washing is a procedure used by mail snatchers to erase the ink on checks allowing them to rewrite the checks to themselves, altering the amounts payable, and robbing you of your money.
How to Protect Yourself:
- Never place your bills in an unlocked, residential mailbox with the red flag up, as this is an open invitation to mail snatchers
- Check your credit union statement every month
And...
Stop by any Coventry Credit Union branch today and open a FREE MEMBERSHIP PLUS CHECKING ACCOUNT and receive a free uni-ball 207 gel pen, which is proven to be impervious to the most common check washing chemicals.
As valued members of Coventry Credit Union, you have the power to share your experiences with your family and friends. To show our appreciation, when you refer a new member who opens an active account with us, we will deposit $20.00 into your CCU savings account.
As you have experienced, Coventry Credit Union is a great place to save, borrow, and conduct business. We offer the latest in financial products and services ensuring the best possible experience. We encourage you to share your experiences with those closest to you so they can enjoy the same benefits of membership too!
Whether you're at home, at work, or on the road, Coventry Credit Union is here for you 24 hours a day,
seven days a week with our online banking program, Member Net.
We understand the sensitive nature of your financial records, and that is why we think it is important that
you are confident in our security standards. We have several measures in place that work together to create a secure environment for your financial information. To help explain how our account access is secure, let's look at how it works.
Security at Your Computer
The first step in preserving your identity is to take an active role in securing your personal information.
It is recommended to access your account on a personal computer where no one else may have access to it without your permission. Your PIN (Personal Identification Number) should not be selected from obvious clues like the names of your children or pets. We also discourage you from saving passwords in your computer.
Securing Data as it Travels Across "The Net"
Member Net is a very secure way to handle your online transactions. We only require that your web browser have encryption capability, which most browsers already have. This will prevent anyone from "eavesdropping" on your data as it travels between you and Coventry Credit Union. We call this type of software security protection Secure Sockets Layer or SSL.
When you log on to our website, our computers detect if your browser is enabled for encryption. Behind the scenes, in a matter of milliseconds, your computer and Coventry's randomly pick a number that will serve as the "key" during your brief session online.
As a user, you do not have to do a thing, except make sure your web browser version can participate in this process. After both computers select a random key, the information you send to us is scrambled when it crosses the Internet until it reaches our computers where it is then unscrambled for processing. This
ensures that no one can identify the information without the matching keys.
Security at Coventry Credit Union
At Coventry Credit Union, we employ the latest computer technology to protect your data on all of our computers, including those used in supporting our Member Net system. Once your information reaches us via the Internet, it goes through another security computer, called a firewall. A firewall acts as a security guard for Internet traffic and ensures that your information is safe.
Join the Coventry Credit Union Team, devoted to helping our members on a daily basis, and making their connection with us a special and unique one. For full time employees, the following benefits are offered:
- Medical and Dental Insurance
- Paid vacations and sick/personal days
- Life and AD&D Insurance
- Long Term Disability Insurance
- 401(k)
- Tuition Reimbursement and Career Advancement
- Professional working environment
- Competitive salaries
- Growth and learning focus
Currently, we have the following position(s) available at our credit union:
- Tellers
- Collections Supervisor
For more information or to send a resume contact:
- Human Resources Manager
- 2006 Nooseneck Hill Rd
- Coventry, RI 02816
- Phone: 401-397-1900 x2315
- Fax: 401-397-1912
- Email: HumanResources@coventrycu.org
*Equal Opportunity Employer
To ensure the safety and security of our members, Coventry Credit Union has now provided you with a helpful tool detailing pertinent information about the numerous types of fraud. Click on http://www.cuu.com/liberty/fraud_series.htm to learn about the types of fraud as well as how to protect yourself from becoming victim to a scam. As always, Coventry Credit Union is here for you! If you have any concerns, please call our Member Service Representatives at 401-397-1900 for assistance.
Find out your Savings Bonds' worth before cashing them in click here.
 We recommend Carfax to help you find out before you buy. Get a Free Lemon Check. Click here.
Whether you're buying a new or used car, careful research and planning will help you get the right vehicle without the one option nobody wants; burdensome monthly payments.
Here are some ways to save money:
Check on Reliability
Nothing can torpedo a budget like unexpected repair costs. The annual Consumer Reports survey of mechanical problems with different models, available in the magazine's April issue each year, cites both overall
ratings and specific problems. If you're a paid subscriber to the magazine or online service, go to www.consumerreports.org.
Look at Continuing Costs
Although insurance and gasoline costs are continuous, new-car depreciation - the value it loses each year - is a major factor. Edmunds.com summarizes these variables in a feature called True Cost to Own (click the Ownership tab on the home page, then True Cost to Own). A vehicle that costs less to buy now than a competitor may in fact cost more to own over a five-year period.
Negotiate Hard
Reduce your purchase price by looking for the dealer cost or "invoice price" on sites like Edmunds.com and Kelley Blue Book (kbb.com). Then aim for a selling price before any rebate of no more than 2% over the invoice price. Better yet, talk to us at Coventry Credit Union about pre-approving your auto loan before you even start to shop for a car.
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Have you ever thought about sending your child to college? How do you choose the right school? What is the right way to pay for it? You can now come to Coventry Credit Union for answers to these questions and more. We have implemented a new, online Education Resource Center, located at coventrycu.collegepayway.com to provide you with quality, value-added products and services that help you make informed, confident decisions about college planning and investment.
The Education Resource Center offers a unique way of approaching the college process. Based on a
proprietary methodology, we offer our members the necessary products and services needed to manage this sometimes overwhelming process. Added program benefits include: tools to assist in selecting and
evaluating colleges; SAT diagnostic testing; searching for scholarships; detailed loan information; on-line loan applications and much more. It is an invaluable tool for our members who are preparing for higher education for themselves or their family.
Throughout the process, you will have access to dedicated Education Resource Center Client Managers, professionals available to answer questions and provide guidance and advice. The Education Resource Center also enables you to access education loan products through the government's Federal Family Education Loan Program (FFELP), including Stafford Loans and Parent Loans for Undergraduate Students (PLUS) as well as others.
With the Education Resource Center, you will be equipped with the information and support you need
to make the right decisions about your family's education investment.
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