30-year Fixed Rate Mortgage Special
Rates as low as 3.75% (3.93% APR)*

February 3, 2012 – February 7, 2012

APPLY NOW

A fixed rate mortgage has secure rate and payment for the life of your loan.

• Fixed Interest Rates
• 30-year term
• Funds Escrowed to Pay Taxes and Insurance
• Fast Approval
• FREE Pre-Approval Letters
• Easy Application Process
• No Prepayment Penalties

 To speak with an Ohio Catholic Representative, please call 216-663-6800

* APR is Annual Percentage Rate. The APR will be affected by the loan amount and certain closing costs.  The 3.75% (3.93% APR), 30-year mortgage rate is the advertised rate and can vary based on your creditworthiness.  Your rate can be higher depending on credit performance and Ohio Catholic’s lending policies or if you choose to receive any cash back.  Financing up to 80% of the home value is available. $25,000 minimum loan amount required and $417,000 maximum loan amount available.  $375 appraisal fee is required at time of appraisal.  Maximum loan term is 360 months.  No prepayment penalty. This offer is available on owner occupied homes.  Property insurance required.  Flood insurance may be required in certain areas.  Ohio Catholic may discontinue or change program without notice. No other discounts or special offers can be combined with this offer. Loan must close within 30 days of approval.  Standard loan terms and conditions apply. If you respond to this offer but do not meet the criteria for the loan at the time of your application or if you do not provide the required collateral, we may not be able to extend credit to you.  Promotional rate includes escrowing of real estate taxes and homeowners insurance.  Rate will increase by .50% if escrow is waived.  If there is any cash out, rate will increase by .50%.   Payment example: $165,000 for 30 years at a rate of 3.75% (3.93% APR with an estimated $3,750 in closing costs) would result in a monthly Principle and Interest payment without escrow of $781.51.     

Ohio Catholic is proud to partner with Fox 8 and the Diocese of Cleveland for the
2012 Catholic School Awareness Campaign
January 29 – February 5, 2012

Did you know that…

• Students in Catholic schools are taught 21^st century skills including technology, languages, the arts, and fitness.
• 99% of Catholic High School students in the Diocese graduate and 97% go on to college.
• Catholic schools foster attitudes of service and social justice among their students engaging them in projects that assist others locally and in the global community

Did you know that Catholic Schools offer their students…

• a tradition of academic excellence in a faith-based environment.
• a balanced curriculum a safe and disciplined environment where individual attention is provided in a caring community.

*Statistics provided by Office of Catholic Education, Diocese of Cleveland

There are over 100 Catholic Elementary Schools in the Cleveland Diocese.  To recieve more information on the school that is right for your family, visit any of the elementary school open houses listed HERE.

For a listing of area Catholic High Schools, click HERE.

Find Freedom in 2012
0% on Balance Transfers for 6 Months

Benefits of an Ohio Catholic VISA
- NO Balance Transfer Fee
- NO Annual Fee
- NO Cash Advance Fee
- Rates as low as 8.99% on purchases and cash advances
- Reward points for every dollar you spend, which may be redeemed for merchandise or travel services

Escape high interest credit card rates now – apply for a Ohio Catholic VISA HERE and fill out the balance transfer form HERE

Talk to an Ohio Catholic Representative today
(216)663-6800

*APR = Annual Percentage Rate.  The APR is the credit union’s A+ Rate.  Your approved rate will be based on individual creditworthiness and our underwriting standards.  For members who do not meet the A+ Rate requirements, 1% to 9% will be added to the APR.  The maximum APR is 17.99%.  The 0.00% APR is a promotional rate.  It is good only on balance transfers done by new or existing cardholders.  The 0.00% APR will be applied to all balance transfers for 6 months from time of balance transfer.  Interest will not accrue until after the six month, no interest promotional period expires.  The rate will then be changed to the approved VISA card rate.  The interest rate on the balance transfer will remain 0.00% APR unless the account becomes delinquient and/or over the limit or the six month promotional period expires.  At that time, the rate will be changed to the approved VISA card rate.  During the promotional period, all payments will be applied to all other balances prior to being applied to any new balance transfer(s).  All purchases will be at the approved VISA card rate.  ScoreCard Bonus Points will not be awarded for balance transfers.  All credit cards are subject to credit approval.  The credit limit will be determined by Ohio Catholic Federal Credit Union.  Rates and card types are subject to credit history, term, and other factors.  OCFCU maintains the right not to open this account if: a) the information provided is incomplete, inaccurate or cannot be verified, or if the member does not meet Ohio Catholic FCU’s standards for creditworthiness; b) member’s name and/or mailing address have been altered.  This offer is a limited time offer and can be changed or discontinued without notice.

ID THEFT AND FRAUD

• In 2008, identity fraud victims increased 22% to 9.9 million people.
• Ohio is considered to have a higher than average incidence rate for identity fraud.

 What information was obtained by fraudsters?

• 43% – name and address
• 38% – social security number
• 16% – driver’s license number
• 16% – checking account number
• 15% – ATM PIN on debit card
• 13% – PIN on credit card

 How was the information obtained?

• 43% was acquired from a lost or stolen wallet, checkbook, credit card or other physical document
• Main means of fraud for women is accessed while making a purchase or transaction… not an online purchase……that is only 1%
• Women are 26% more likely than men
• Households with incomes higher than 70k

 What does this mean for us as members and consumers?

• Open your wallet and take a quick inventory of what you carry?
  • Social Security card? Or the card of a family member?
  • Carry credit cards you rarely use?
• Spybot search and destroy

 How does Ohio Catholic protect its members?

1. We identify attacks on the credit union or member
2. We protect our network and member information
3. We respond immediately if a breach occurs or if the member becomes a victim
4. We educate our staff and members

 152,000 rogue anti-malware programs are found on the internet – fake security software that actually infects computers to animate assorted crimes.  Do NOT search for anti-malware programs via Google, Yahoo, or any other search engine!

10 Tips to Protect Yourself from Identity Theft

Protect SSN and PIN: Keep SSN off checks, out of wallet. Don’t write down or give out PIN number
Review Statements: Watch for and report unauthorized charges – check accounts online for extra security. It’s the 21^st century with 21^st century fraud.
Order credit reports for you and your children: Get three per year at www.annualcreditreport.com
Opt Out: (1) optoutprescreen.com (2) catalogchoice.org (3) dmachoice.org (4) donotcall.gov
Shred it: Don’t toss any documents with identifying information….including mailers.
Freeze it: No new accounts in your name unless you say yes. Make sure you understand the costs and inconvenience. Visit financialprivacynow.org
Lock it up: Keep a safe at home for important documents
Mail bills safely: Use USPS mailboxes or the post office
Safeguard your computer: Use firewall. Install virus protection and spyware detection software, and seek software with auto-updates. Use strong passwords. Don’t click on unknown links.
Go paperless: Use online bill-pay, electronic deposit, online statements, account alerts

Over the past two days, Ohio Catholic Federal Credit Union has received multiple calls from members and non-members stating they received a text message from Ohio Catholic saying their cards have been deactivated.  All calls have had the same area code (216) and the first three digits of the numbers are 287.

This is a SCAM as Ohio Catholic would never ask a member for any type of information using text messaging — do not provide any credit card information if ever asked.

If you have given out your credit card account information or suspect that your card has been compromised in any way, please call Ohio Catholic FCU as soon as possible.  Ohio Catholic will close your current credit card to prevent any fraudulent activity and issue you a new credit card.  When calling Ohio Catholic, please have your account number and the last four digits of your credit card available.

216-663-6800
888-MyOhioCatholic
888-696-4462

If you have give out your credit card account information or suspect that you card has been compromised in any way, please call Ohio Catholic FCU as soon as possible.  Ohio Catholic will close your current credit card to prevent any fraudulent activity and issue you a  new  credit card.  When calling Ohio Catholic, have your account number and the last four digits of your credit card available.