Protecting Your Finances

South Metro Federal Credit Union knows financial savvy goes beyond the thickness of your wallet. Below are some tips to help protect your hard-earned cash.

Protecting your Finances

TruStage™ Insurance
Coverage the Credit Union Way

Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it. And along the way, you’ll take comfort in knowing you’re protected.

TruStage insurance products and programs help members protect what matters most. Backed by nearly 80 years of working in partnership with credit unions and their members, you’ll find products for life, car, AD&D, home and more. TruStage offers straightforward information, real value and assurance.

To learn more, get quotes or just explore, visit trustage.com.

Claim your no-cost Accidental Death & Dismemberment Insurance. Add more coverage starting at around $1 a month.*

Your $2000 of no-cost TruStage™ Accidental Death and Dismemberment coverage, courtesy of South Metro Federal Credit Union, is now available for you to claim.

As a member of South Metro Federal Credit Union, you have received $2000 in AD&D coverage from TruStage at no cost to you. AD&D coverage can pay a cash benefit to you and your loved ones in the case of a covered accident. It can also pay benefits if you are hospitalized or suffer from lost ability (such as loss of eyesight or hearing) due to an accident. It’s money your family can use to help cover any expenses you have while you focus on recovery.

Again, it costs you absolutely nothing—only a few minutes of your time—to get $2000 of coverage. If you choose, additional insurance is available for you or eligible family members at rates designed to be budget-friendly. Your acceptance is guaranteed—with no health questions or medical exam.

Don’t miss out on this valuable, no-cost benefit part of your credit union membership. Enrolling is quick and simple. Go to www.trustage.com/add-insurance or call toll-free 1-800-798-8798.

*Cost is between $1 and $1.50 per month for every $10,000 of individual TruStage AD&D Insurance.

TruStage™ Accidental Death and Dismemberment Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. Base Policy Form Numbers: ADD-2018-POL, ADD-2018-POL(OR), 2018-ADD-POLRDR-CI, 2018-ADD-POLRDR-CNR, E10-ADD-2012, E10a-ADD-2012-LSCU, E10a-014-2012, E10a-014-2012(OR), E10a-015-2012, F10a-015-2012-1(WA).
© TruStage

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Claim your no-cost Accidental Death & Dismemberment Insurance

TruStage™ Auto Insurance Program

South Metro Federal Credit Union could help save you hundreds on Auto Insurance

If you haven’t gotten an Auto Insurance quote lately, your credit union membership could help you save hundreds of dollars.

South Metro Federal Credit Union members may qualify for a discount on Auto Insurance through the TruStage™ Auto Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.

TruStage makes available a powerful mix of savings and popular, member-friendly benefits:

  • Credit union members could save hundreds*
  • Nationally recognized companies
  • Friendly, 24/7 service—even on holidays
  • Discounts for multiple vehicles, good driving and more**
  • Mobile app for easy claims

It’s simple to get a free quote today. Don’t wait to see how much you could save.

A tradition of strength

TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An “A” rating is the third highest of 16 ratings.

*Savings validated by survey of participating new customers who switched to a Liberty Mutual policy between 10/2021 and 09/2022 with self-reported comparable coverage from their prior carrier. Savings may vary.

** Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Liberty Mutual Copyright 2023. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. © TruStage

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TruStage™ Auto Insurance Program

TruStage™ Home, Condo & Renters Insurance Program
Help protect your biggest investment—inside and out.

The TruStage™ Home Insurance Program helps you protect your home—and everything in it—with coverage designed to fit your budget for credit union members.

It could help cover damage or loss due to fire, weather, theft and more. And it also helps protect you from liability if an accident happens on your property.

TruStage gives credit union members access to coverage underwritten by Liberty Mutual Insurance®—along with these popular benefits:*

  • Potential savings for South Metro Federal Credit Union members
  • Discounts for multiple policies
  • 24/7 claims, even on holidays
  • Inflation protection
  • Temporary housing assistance when you need it

Don’t wait. It’s simple to get a free quote today.

GET A QUOTE

A tradition of strength

TruStage is underwritten by CMFG Life Insurance Company, which is rated “A” (Excellent) as of December 2022 by A.M. Best, an independent rating service which evaluates financial stability and operating performance, year after year. An “A” rating is the third highest of 16 ratings.

*Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Auto and Home Insurance Products are issued by Liberty Mutual Insurance Company, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Liberty Mutual Copyright 2023. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverage and limitations. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. © TruStage

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Help protect your biggest investment—inside and out

TruStage™ Life Insurance

We make TruStage™ Life Insurance policies available to credit union members like you to help protect the people who matter most in your life. Any policy amount could make a difference, because it provides money your loved ones could use to help pay mortgage or rent, day-to-day bills, medical and funeral expenses — whatever is needed most.

TruStage Life Insurance offers coverage that’s underwritten by CMFG Life Insurance Company — with rates designed to be simple and fit your budget.

Learn about this important coverage or call LifeNumber for more information.

TruStage™ Life Insurance is issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, and other leading insurance companies. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Product and features may vary and not be available in all states. All guarantees are based on the claims-paying ability of the insurer. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. © TruStage

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Tru-Stage Life Insurance. Learn more about this important coverage or call for more information.

Identity Theft

Identity theft is a crime in which the imposter obtains key pieces of information such as social security and driver’s license numbers to obtain credit, merchandise and services in the name of the victim. This leaves the victim with a ruined credit history and the time-consuming and complicated task of regaining financial health.

Below are some steps to help protect your identity:

  • Destroy papers you don’t need. Take special pains to shred papers with sensitive or identifying information.
  • Guard your Social Security number. Don’t carry your card with you and resist giving it out unless necessary. Don’t put your social security number on your checks. Keep all personal records in a secure location, such as a safe or vault.
  • Limit the number of cards and info you carry in your wallet.
  • Report lost or stolen cards immediately.
  • Cancel all inactive credit accounts.
  • Use different passwords on all credit cards, bank accounts, and phone cards.
  • Match your bills against charges to your credit account each month.

For more information, visit IdentityTheft.gov, from the Federal Trade Commission. If someone has used your personal information without permission, visiting this website should be your first step to limit the damage.

Identy Theft

To report a lost or stolen Debit card, call Card Member Security at 1-833-311-0079.

To dispute a Debit card transaction, call the FIserv Dispute Line at 1-833-311-0083.

To report a lost or stolen Credit card or to dispute a credit card transaction, call 844-845-8538. Outside the US call 240-651-7802.

SouthMet Testimonials

I can’t tell you how happy I am with the service I received when we opened an auto loan. Most banks have lost their ability to work this close with the client. – Jesse

Scams

Internet scams are on the rise. For this reason, it is important to be cautious online. Remember: never give your user ID or password information to anyone else. Unless you are logging into your account online, South Metro will never ask for your user ID or password.

South Metro FCU will never contact you to request your member number, username or Online Banking password. Anyone who asks you for this information is NOT an authorized employee of the Credit Union.

Additionally, we will never contact you to ask for credit or debit card numbers or PINs. Unless you call us regarding your account, you should never give this information to anyone claiming to represent South Metro (or its affiliates) who is trying to verify your account information via phone, text, or email.

There’s a type of internet piracy called “Phishing.” It’s pronounced “fishing,” and that’s exactly what these thieves are doing; “fishing” for your personal financial information. Don’t get hooked on a phishing scam!

  • Keep your antivirus software up to date on your computer.
  • NEVER provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the internet unless you initiate the contact.
  • NEVER open a suspicious email, or click on any links provided.
  • DON’T be intimidated by an e-mail, text message or phone call that suggests dire consequences if you do not immediately provide or verify financial information.
  • IF you believe the contact is legitimate, call your company immediately using information from another source, NOT from any information provided in the message.

If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit cards. Monitor your credit files and account statements closely.

REPORT suspicious e-mails or calls to the Federal Trade Commission or call 1-877-IDTHEFT.

Before you engage in any financial transactions online, please review this quick checklist for online safety.

  • Look for a padlock symbol next to the address bar.
    Before you enter any private information online, check next to the address bar and make sure you see a padlock and “https” in the website address. This indicates more safety protocols in place to protect your data. A website address that begins with “http://” does not use this level of encryption.
  • Use your mobile phone network rather than public Wi-Fi.
    Many people leave the Wi-Fi option enabled on their mobile phone at all times for the sake of convenience. Turn it off. It’s okay to use for faster service in a safe place such as your home, but you’d be surprised at how unsecure many hotspots actually are. If you’re going to shop from your phone, use your mobile network provider for your internet access.
  • If you’re heart rate goes up, so should red flags.
    There’s no better way to lure victims to a scam than with tempting offers or dire-sounding threats. It only takes a click to download malware onto your device, so convincing a victim to act before thinking is a successful way to cause trouble.
    In short, avoid impulse shopping online. ALWAYS do your homework first. Research companies (or individuals) before doing business with them online. Check their website’s security. Make sure you’re using a private network. If any red flags are appear, walk away.

For more information visit the Federal Trade Commission’s Consumer Information website. This branch of our government is dedicated to educating the public about threats to your financial privacy.

scams

Avoid Malware
Keep a Clean Machine

One easy way to protect yourself is to install software updates on your devices regularly.

It’s most important to keep your security software current. Having the latest security software, web browser and operating system is the best defense against viruses, malware and other online threats. Many software programs offer the option to automatically connect and update to defend against known risks. Turn on automatic updates if this is available on your device.

Keep in mind that you need to protect all devices that connect to the Internet. Your smartphones, gaming systems and other web-enabled devices also need protection from viruses and malware. USB ports and other external devices can be also be infected by viruses and malware. Make sure your security software scans these as well.

For more information, visit StaySafeOnline.org from the National Cyber Security Alliance.

SMFCU Tips for Avoiding Malware

Get there. Start here.

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