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The phone rings. A representative from your internet service provider says that they never received payment. Service is going to be shut down, and you will no longer be able to watch cat reenactments of your favorite sitcoms. But don’t worry. The representative will accept payment over the phone. They just need your credit card number. Later, you discover that you have been charged for a solid gold, arcade dance pad.
Wait a minute! What does that have to do with what can be found in your trash? For this scam to worker the caller would have to know your name, your phone number, and who your internet service provider is. Being able to verify amount owed, account number, or your service details would only add credibility to the caller. Ever thrown away a bill or a bank statement?
A lot more can be learned from your garbage other than the fact that you prefer unfrosted pop-tarts or that you subscribe to “The Mullet Monthly.” Bank statements, bills, insurance information, pre-approved credit cards, and even junk mail will contain personal information. Name, address, phone number, email address, social security number, bank account number, and other account numbers can all be compromised.
In 2016, there were 406,578 imposter scams and 399,225 stolen identities reported to the FTC.1 Stolen identities can be used to apply for credit cards, open accounts, make purchases, pass background checks, and file for your tax return. Most fraud victims (77%) are contacted by phone.2 Steps should be taken to keep your information safe. You could try filling your trash with deadly, trained bees, but there are more practical solutions.
Shred everything. This can take some time and money investment but is very effective. You will have to purchase a shredder or pay for shredder services. If you’re anything like me, most things that should be shredded go in the “not now” pile and build up into a huge chore later on.
Go paperless. This is something that can be easily done as you are sitting there reading this online. Seriously, put down that strawberry daiquiri and get started. Switching to eStatements will protect your bank statements and give you the ability to check your account for fraudulent charges whenever you want. Many companies will also have an option for electronic bills.
Denver Community Credit Union is proud to be part of the 3rd largest branch network in the nation. CO-OP just released that the Shared Branch network has more branch locations than Bank of America, US Bank, and PNC. As of May, 2015, the CO-OP Shared Branch network boasts 5,341 branches. The CO-OP Shared Branch network is a great example of the credit union difference - "people helping people." Credit unions work together to bring members more convenient options to compete with big banks. It doesn't stop there, either. CO-OP also provides the CO-OP ATM network which features over 30,000 surcharge-free ATMs nationwide. Click here to read more about the progress and benefits of the CO-OP Shared Branch network.
Denver Community Credit Union is proud to announce that it has been ranked among the nation's 200 healthiest credit unions by DepositAccounts.com.
The Birmingham, Alabama-based site, which tracks banks and credit union account interest rates nationwide, ranked Denver Community Credit union 50th in its second annual listing of the healthiest banks and credit unions. The rankings are based on an institution's level of problem loans, improvement in those levels, deposit growth and capital reserves.
Denver Community began in 1934 when ten employees of the City of Denver established ownership and began providing financial services. Since then, the credit union has grown to $269 million in assets and its net worth ratio increased 14% in 2014. DepositAccounts.com gave Denver Community A+ rankings for a strong balance sheet, deposit growth and an excellent capitalization level.
"This type of ranking by an independent third-party helps when potential members are evaluating their options," said Carla Hedrick, President of Denver Community Credit Union. "It also gives our current members confidence in us. Every day, we strive to provide the best possible service offerings for our members, and this ranking helps validate our efforts to be a healthy financial institution are working."
To see the entire list, please click here.
Phroogal, a financial education service that empowers millennials to make better informed financial decisions, is hitting the road in an epic 10,000 mile road trip across the US to get people talking about financial wellness. Denver is stop #19 on June 19th!
Join Denver Community as Jason Vitug, Phroogal Founder and CEO, makes his stop at Denver's Galvanize to host a discussion with anyone interested in personal finance. Other community partners including mpowered, Consumers United Association an the Financial Empowerment Centers program will also be present at the Phroogal stop. Phroogal and participating partners will be at Denver's Galvanize to talk about community resources and answer questions. The event will end with a happy hour and the opportunity to network with local personal finance experts.
4:30 pm: Panel of Local Financial Education Providers
5:00 pm: Talk by Jason Vitug of Phroogal
5:30 pm: Q&A with jason and Panelists
5:45 pm to 7:00 pm: Happy Hour Networking (Snacks will be available)
Friday, June 19th from 4:00 p.m. to 7:00 p.m.
1062 Delaware Street
Denver, CO 80204
Free parking will be available until 7:30 pm at our Downtown Branch located at 1075 Acoma Street.
Register for your free tickets today by clicking here.
On April 23rd, members, partners, and employees gathered at the Wings Over the Rockies Air and Space Museum to celebrate Denver Community Credit Union's 80th Annual Meeting. It was a night full of fun, food, and community. We thank everyone who joined us, as well as our sponsors: 1st Mortgages, Auto Aves, Cuna Mutual, Credit Union Direct Connect (CUDC), mpowered, LPL Financial, and Credit Union Service Network (CUSN). Denver Community Credit Union used our 80th Annual Meeting as an opportunity to raise money to support the Children’s Hospital Colorado Foundation. Members paid a $5 entry fee. Proceeds from ticket sales went to the Children's Hospital Colorado Foundation. Donations were also accepted at the event. Denver Community matched all donations which brought total donations to $6,400.
Our 80th Annual Meeting featured an update for members on the financial performance of the credit union, as well as a presentation by the Children’s Hospital Colorado Foundation champion family. Concern for community is one of the core cooperative principles of credit unions. By supporting the Children’s Hospital Colorado Foundation, credit union members are making a difference in the community. To learn more about the Children’s Hospital Colorado Foundation please visit http://www.childrenscoloradofoundation.org/
2014 Miracle Marathon
Denver Community Credit Union staff participated in the 2014 Miracle Marathon as a team. The Miracle Marathon is a fundraising campaign benefiting Children's Miracle Network Hospitals. For 27.2 days, participants move one mile of forward movement, or exercise for 20 minutes. While a normal marathon is 26.2 miles, the Miracle Marathon is extra special with an extra mile for the kids. During the Marathon, staff raised $3,479 for Children's Hospital Colorado, and moved 906 miles! What an achievement! Check out our staff's participation in the Miracle Marathon on our Pinterest page.
Learn more about how Children's Miracle Network Hospitals come to the aid of children everyday by visiting their website. To learn how the Miracle Marathon makes an impact, visit www.miraclemarathon.org.
On September 26, 2014, Denver Community Credit Union was awarded the 2014 Community Impact Award by the Mountain West Credit Union Association. We were awarded for our Clear Money Program, which provides free and public financial education to the community. The Credit Union Community Impact Award recognizes a credit union program that has positively affected the community and the Arizona, Colorado, and Wyoming credit union movement. We are truly proud to be recognized for our Clear Money Program and the difference it makes in members' lives and in the community. Learn more about our work with the Clear Money Program in our 2014 Community Impact Video.
It was a beautiful day on August 9th for our 2014 Back to School Fair! We were joined by local community partners to bring a meaningful, family-fun experience to our members, and we were also able to provide back to school supplies to participants. We were joined by mpowered, Denver Health, Children's Hospital Colorado Foundation, Denver Police Explorers, Z-Ultimate Aurora, Denver Public Library, Habitat for Humanity of Metro Denver, CUDC, Denver Art Museum, Family Star Montessori and Rockie Mountain Farmer's Union. Each of our partners provided a fun activity for kids to participate in to earn their back to school supplies.
We are proud to say that our 2014 Back to School Fair served over 500 people, including almost 300 kids who received a drawstring backpack with school supplies! Be sure to be on the look out for next year's Back to School Fair!
Our 2014 Back to School Fair is quickly approaching on Saturday, August 9th. The Back to School Fair is in its 5th year, and as grown over the years in popularity. As a popular event for Denver Community Credit Union, there is no shortage of work to be done in preparation for the big day. The biggest task is preparing the school supplies that kids will earn by participating in fun activities with participating partners. Thousands of pencils, sheets of papers, glue sticks and more have to be prepared before-hand. It's something we have down to a science, however; and with a whole lot of team work, we are able to gather the school supplies into Denver Community sling-packs within an hour. We are excited for the coming Back to School Fair, and we are looking forward to seeing all of our participants at the Back to School Fair!
Denver Community Credit Union has been awarded 5 stars in Bankrate.com's Safe & Sound® Ratings service for the quarter ended March 31, 2014. A 5-star rating is the highest award rating and is defined as a "Superior" ranking of relative financial strength and stability. For more than 16 years, Bankrate.com's Safe & Sound® service has given consumers information on the relative financial strength and stability of U.S. commercial banks, savings institutions and credit unions.
"In today's economic climate, it's important for consumers to trust that their money is protected," said Don Ross, CEO of Bankrate.com. "Earning a 4- or 5- star designation from the Safe & Sound® Star Rating is traditionally a strong indicator of financial strength and stability in a financial institution," Mr. Ross added.
"Receiving this rating is truly a reflection of our continued commitment to putting our members, and their best interests, first," said Carla Hedrick, President of Denver Community Credit Union. "Every day, we strive to provide the best possible financial institution for members, and this rating helps validate those efforts in a very tangible way."
Bankrate's Safe & Sound® ratings are comparisons to both industry peer norms and standards. Individual performance levels are determined from publicly available regulatory filings and are compared to asset-size peer norms, industry standards and key absolute benchmarks. To learn more about Bankrate's Safe and Sound® ratings methodology, go to: http://www.bankrate.com/brm/safesound/ss_home.asp.
Bankrate is a leading publisher, aggregator, and distributor of personal finance content on the Internet.
Bankrate provides consumers with proprietary, fully researched, comprehensive, independent and objective personal finance editorial content across multiple vertical categories including mortgages, deposits, insurance, credit cards and other categories, such as retirement, automobile loans and taxes. The bank rate network includes Bankrate.com, our flagship website, and other owned and operated personal finance websites, including CreditCards.com, Interest.com, Bankaholic.com, Mortgage-Calc.com, CreditCardGuide.com, Nationwide Card Services, InsuranceQuotes.com, CarInsuranceQuotes.com, InsureMe, Bankrate.com.cn, NetQuote.com and CD.com. Bankrate aggregates rate information from over 4,800 institutions on more than 300 financial products. With coverage of nearly 600 local markets in all 50 U.S. states, Bankrate generates over 172,000 distinct rate tables capturing on average over three million pieces of information daily. Bankrate develops and provides web services to over 80 co-branded websites with online partners, including some of the most trusted and frequently visited personal finance sites on the Internet such as Yahoo!, AOL, CNBC and Bloomberg. In addition, Bankrate licenses editorial content to over 500 newspapers on a daily basis including The Wall Street Journal, USA Today, The New York Times, The Los Angeles Times and The Boston Globe.
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