News
JULY 2018





Why is this important? Visa Purchase Alerts can keep your account secure by empowering you to catch fraud.

Let’s Get Started:

  • Register your cell phone and email address
  • Choose the notification triggers that match your needs. You'll get real-time1 text or email alerts based on your selected criteria.


1 Actual time to receive a transaction alert is dependent on wireless service and coverage within area. 2 A qualified transaction is any transaction routed through Visa. 3 Visa Purchase Alerts may not be available in all areas. Account activity qualifying for Visa Purchase Alerts may vary by issuer.







Summer is the perfect time to take a much-needed break...from your bills!

Trade in your monthly loan payment for some extra cash with Skip-A-Pay. You can opt to skip a payment on one or more qualifying loans, freeing up funds for your warm-weather activities and festivities.


Contact our loan team to Skip-A-Pay!

225-292-8910 option 2 or Loans@LaUsaFcu.org


One Skip-A-Pay allowed per loan every 12 months. Account must be in good standing. Mortgages and Visa Credit Cards are not eligible.







Your account statements will soon have a new, fresh, colorful layout! All the information included in your statement will remain unchanged and we’re confident you’ll enjoy the new look. Watch for this change to be coming soon!



PET HEALTH INSURANCE





Pets are a part of our families. We want to do what we can to keep them healthy. If your pet becomes ill or has an accident, it could cost hundreds or thousands of dollars for treatment. Pet insurance helps with veterinary costs when your pet needs treatment. It can lower your out-of-pocket costs so you can avoid a financial crisis while keeping your pet healthy.

Coverage Is Available for:

Pet Health Insurance Plan Features:

  • Routine Check-Ups
  • Emergency Services
  • Accidents, Injuries, Illnesses
  • Surgery and Hospitalization
  • Vaccinations
  • Flea Prevention
  • Dental Trauma
  • And So Much More
  • Freedom to use any vet, specialist or emergency clinic
  • Reimbursement Options: 70%, 80% or 90%
  • Annual Limit Options: $2,500 or Unlimited
  • Annual Deductible Options: $100, $250 or $500
  • Online Claim Submission and Tracking
  • Direct Deposit Reimbursements
  • 10% Multiple Pet Discount

Contact The Louisiana Insurance Center to learn more about pet insurance and how it can help with expensive veterinarian visits.

Call 225-292-7680 or go online www.THELAIC.com



ARE YOU PREPARED FOR HURRICANE SEASON?



During a disaster we will try to reach you using the info we have on file. Take the time to update your email and phone numbers with a member of our team at 225-292-8910 option 5.

Be Prepared:

  • Update Contact Info with Credit Union and Set-Up Account Access to Mobile Banking by talking to a member of our team at 225-292-8910 option 5.



FEBRUARY 2018



If you’re looking for a way to lower monthly payments from credit cards, post-holiday bills, vehicle or other loans, let your credit union help you RESET YOUR DEBT. We can consolidate all of your higher rate loans into one low fixed monthly payment.

BENEFITS

1. Save Money: Lowering your interest rate for all your debts can take years off your repayment period and help you save a significant amount of money.

2. An Easier Way To Pay: With a Consolidation Loan, you can pay off your bills and make only one low monthly payment.

3. A Higher Credit Score: Your credit score partly depends on your credit utilization - the amount of debt you carry compared to the amount of debt available to you. Paying off your credit cards with a Personal Loan from LA USA could cause your utilization ratio to go down and your credit score to go up!

OPTIONS

1. Personal Loans: Taking out a personal loan with a lower interest rate to consolidate all of your debt could mean lower monthly payments and a higher credit score. LA USA offers a Personal Loan with rates as low as 8.25% APR*.

2. Home Equity Loans and Lines of Credit: The benefit of a home equity loan is the low interest rate and the ability to deduct the interest. LA USA offers particularly low FIXED interest rates as low as 5.50% APR*.

3. Credit Card Balance Transfers: Transferring high-rate credit card balances to a lower rate Visa Credit Card at LA USA is another great option. LA USA’s Visa Credit Card has rates as low as 8.00% APR* and a free Rewards Program!

To find out how much you can save call 225-292-8910 option 2 or APPLY ONLINE






If we detect potentially fraudulent use of your debit/credit card, a temporary hold will be placed on the card and you’ll receive a text message with details about the suspicious transaction. Here’s what you should do next:

Reply "YES” if you made the transaction. You will receive a confirmation text and can continue using your card with confidence.

Reply "NO” if you did not make the transaction. You’ll receive a confirmation text, and a fraud specialist will contact you immediately.

Please make sure we have updated phone numbers on file so we can protect your account. Call the Visa department for more info at 225-292-8910 option 3.




Sign up for the Christmas Club Savings Account at the credit union. By putting away a small amount every month into the account, you can have cash on hand to shop next holiday season instead of relying on credit cards. When you use payroll deduction or automatic transfers, it’s even easier to save. When it’s time to make your holiday purchases, you can make a spending plan and shop with cash. To get started, call Member Services at (225) 292-8910 option 5.


 

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