Mohawk Progressive Federal Credit Union

FYI We are closed Monday May 31, 2021 for Memorial Day. We will be open normal hours Tuesday from 9 - 4pm. So take a day for yourself and kick back with a movie at the local Regal movie theaters. We have Regal movie theater tickets for $9.00 each. Playing now is Mortal Kombat, Godzilla vs. King , Cruella, Children of the Sea and many more.

Drop Your Anchor And Explore Our Boat Loans As things start to change in our communities and this horrible virus is behind us, you may decide it's time to purchase some kind of recreational vehicle. Let's say you need (maybe it's more a want) to purchase a new boat. We want you to consider financing at your credit union. So we say, "Ahoy there! Calling all you landlubbers." It will soon be time to start enjoying time on the water. Whether you prefer the solitude of slowly... paddling your canoe down river, the excitement of white water kayaking, the challenge of sailing, the thrill of a power boat or personal water craft, or finally hauling in the "big one that got away," first drop your anchor at the credit union to explore our Boat Loans. You'll find the rates and terms to make your dream of time on the water come true. We offer boat loans up to 120 months. Rates are based on the term and your credit score and start as low as 1.99% . If you're new to boating or just need a refresher, visit the US Coast Guard's Website at uscgboating.org, the official site of the Coast Guard's Boating Safety Division. You'll find information on boating laws, safety courses, recalls and much more. Then set your course for the credit union to apply for your Boat Loan.

Take These Four Steps To Protect Yourself From Fraud The pandemic made 2020 miserable for most of us. But not for fraudsters and con artists. According to the Federal Trade Commission, consumers reported losing more than $3.3 billion to fraud in 2020 - up from $1.9 billion the year before. Remember, neither the credit union nor other financial institution will ever contact you by email, mail, or phone asking for confidential information. Do not respond to anything suspicious.... Contact us if you have concerns. Help yourself by taking these steps: 1. Keep identity theft at bay. Don't click on links in unsolicited emails, and make sure your firewalls, anti-spyware, and anti-virus software are current. Use strong passwords, shred financial documents, and paperwork with personal information before you discard them, and guard your Social Security number. Also be wary about giving out your birth date. Secure personal information, especially if you have roommates, employ outside help, or are having work done in your house. 2. Stay alert to signs that require immediate attention, such as bills that do not arrive as expected, calls or letters about purchases, and unexplained credit or account statements or credit denials. 3. Review your credit report regularly. The law requires the major consumer reporting companies (Equifax, Experian, and TransUnion) to annually give you a free copy of your report at your request. Visit AnnualCreditReport.com, call 1-877-322-8228, or write Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Look for inquiries from companies you haven't contacted, accounts you didn't open, and debts on your accounts that you can't explain. Also inspect your financial statements and billing statements regularly, looking for charges you did not make. 4. Take defensive action if you find anything suspicious. Place a Fraud Alert on your credit reports. The alert tells creditors to follow special procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer reporting companies have toll-free numbers for placing an initial 90-day fraud alert. A call to one company is adequate: Equifax: 1-800-525-6285; Experian: 1-800-397-3742; or TransUnion: 1-800-680-7289. Close all accounts that have been tampered with or established fraudulently. File a police report to help you with creditors who may want proof of the crime. Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations. Go online to identitytheft.gov or call 1-877-438-4338; or write Identity Theft Clearinghouse, Federal Trade Commission, Washington, DC 20580.

Earth Day Earth Day is an annual event celebrated around the world on April 22. It was founded in 1970 as a day of education about environmental issues. This is the holiday's 51st anniversary. The Earth Day Network is changing human attitudes about and behavior toward plastics and reducing plastic pollution. Here are some ways to reduce our plastic usage:... 1. Stop buying plastic bottles of water. Invest in a sturdy water bottle that you'll be able to use for years to come. 2. Say no to disposable straws. Plastic straws are one of the top 10 items found in beach clean ups. Reusable stainless steel straws are a great alternative to plastic straws. They are very durable, easy to transport, and can be reused over and over again. Other alternatives are paper straws, silicone straws, glass straws, or bamboo straws. 3. Try a bamboo toothbrush instead of plastic. If you love your plastic toothbrush and can't give it up, repurpose used ones by using them to clean around your house. 4. Using less plastic wrap is a super simple way to cut down your plastic usage (this goes for plastic zip baggies too). Instead, use glass or stainless steel containers. 5. Buy a reusable coffee cup. Because of a plastic film on the inside, very few coffee cups are recycled.

New Year, New Money Plan If you're happy to say goodbye to 2020, you're not alone. It was a year for the record books and caused many people financial turmoil. So turn your calendar over to 2021, and get a fresh start on your budget. Here are five do's and don'ts: 1. Don't think of your budget as a budget, but as a money plan. "Budget" can conjure up images of doing without. Instead, a money plan is a way to make sure you are spending and saving in ways that help you meet you...r goals. 2. Do keep track of your spending for a few weeks. Only by diligently accounting for every penny can you understand if you are spending on things you don't really need. 3. Do watch out for bills you've placed on auto-pay. Auto-payments can be a great idea, for example, putting your credit union loan on autopilot ensures you won't accidentally miss it and wreak havoc with your credit score. But if you're paying for a streaming service you rarely use, that's just money down the out-of-sight, out-of-mind drain. 4. Do comparison-shop for insurance. You don't have to wait until your premium is due to make a change. 5. Don't over-withhold your taxes. If you are expecting a big tax refund, you're just giving Uncle Sam an interest-free loan. Try to withhold just enough that you come out even on tax day. See more

While the holiday season is chock full of beloved traditions, festive gatherings, and cherished family time, it also comes with pesky to-do lists, gift-buying worries, and plenty of expenses that can easily spiral out of control. If you financially and mentally overextended yourself this year, take comfort in knowing that you can better plan for next year with a Holiday Savings Program. This convenient account is designed to help you easily save for things like gifts, enterta...inment, dining, and travel expenses during the holidays. As a dedicated savings program, the holiday account offers: * Flexibility * No fees * No minimum balance requirements * The ability to save money while keeping funds easily accessible. * And...It is not too late to sign up With the holiday account, it helps you get started and stay on track. Since it's linked to direct deposit or payroll deduction, your savings are deducted automatically as designated. It's also separate from your regular savings and checking accounts, for better budgeting. Saving doesn't get much easier than that! Be financially savvy and stress-free next holiday season by signing up for your 2021 Holiday Savings Program today! Give us a call 518-372-0828 or stop by to get your Holiday account set up today. See more

We will be closing Thursday on Christmas Eve at 1pm and will be closed on Friday for Christmas. See you on the 28th. From our family to your family we want to wish you a very Merry Christmas.

Make Your Season Brighter With A Holiday Loan If you need a little more jingle in your pocket this time of year, a Holiday Loan from the credit union could help make things more merry and bright. Plus, a Holiday Loan can help you stick to your pre-set spending limit. Here's how: Decide how much you will need for your holiday expenses. Factor in gifts, cards, shipping and postage, decorations, or entertainment you're planning. With that figure in mind, contact the credit union... for your Holiday Loan. Knowing the amount you plan to spend will help prevent that unwelcomed visit from the Ghost of Christmas Past - the high balance you've run up on your credit card. A low-rate Holiday Loan from the credit union can give you peace of mind because you'll know the exact amount of your payment. Call on us today at 518.372.0828 or apply online for a holiday loan. Our rates are as low as 4.74% and you can get a loan up to $2,500.00. So let us know if there is anything we can do to bring a smile to your face today. See more

CU Notary Services For Your Convenience If you're in need of a notary, look no further than your friendly neighborhood credit union. Mohawk Progressive Federal Credit Union offers a variety of notary services including notarizing documents for: * Birth records * Real estate transactions ... * Contracts * Powers of attorney * And more! With an on-site Notary Public, we provide an impartial, state-licensed, and legal witness for the signing of your personal document(s); complete with their own signature and notary seal. Simply bring a valid photo ID and documents to the credit union in order to take advantage of this convenient, affordable service. Notary services are available to members and non-members for FREE. Ensure a hassle-free notary experience by calling ahead at 518.372.0828 for availability. See more

Online Banking: Safe, Secure, Convenient While the world at large can be uncertain and sometimes complicated, managing your finances doesn't have to be. With Mohawk Progressive Federal Credit Union Online Banking, you can safely and easily access your funds, and fulfill the majority of your banking needs from the comfort of your home. Online banking is a free, secure service that provides the ability to seamlessly maintain your financial well-being. With this convenient servi...ce, you can: * Transfer funds * Pay bills and schedule payments * Check account balances * Apply for loans and view loan status * View account history * Access e-Statements * Access Mobile Banking * Get security alerts * Reorder checks * And more! Online, anytime, 24/7, and most importantly, safely - you'll be able to: * Save time without the hassle of in-person visits * Easily manage several accounts * Closely track spending habits * Keep tabs on due dates for bills Online Banking offers the financial management options you need in an ever-changing world. Sign up today at www.mohawkprogressivefcu.com and log on instantly.

Five Easy Ways To Save Money Is your budget as stressed as you've been? Here are five easy ways to save. 1. Comparison shop for insurance. For example, many auto insurance companies have reduced premiums because the safer-at-home measures during the pandemic created less traffic and fewer accidents. You don't need to wait until your premiums are due to switch your coverage.... 2. Review your phone plans. Are you paying for more data on your mobile plan than you need? You may not need a landline, if your mobile phone service is reliable. If you need a landline, be sure you are paying only for the features you use. Also check out voice-over-internet plans such as Ooma.com, vonage.com or other providers. 3. Cut the cable cord. Many stations now stream video and services, such as Amazon Prime, AcornTV, Netflix, or BritBox offer a wide variety of programs for a monthly fee far less than your cable bill. 4. Use your library card for free access to reading and other materials. Many items are available for download. 5. Check your credit card statements. If you are not paying off your balances each month, you may be paying double digit interest. A consolidation loan or balance transfer from the credit union can help trim your debt burden.

Tis The Season For A Holiday Loan Tis the season to be happy, giving, festive...and stressed! At this time of year, most shoppers are so worried about stretching their budgets to cover holiday expenses that they lose sight of, or are unable to enjoy, the true spirit of the season. As a credit union member, you can rid yourself of yuletide shopping stresses with an affordable and convenient Holiday Loan. It's a smart way to pay for gifts, entertainment, dining, and travel e...xpenses during the holidays. Then you can spend less time worrying about holiday obligations and more time enjoying family, friends, and festivities. A holiday loan offers: * Low rates * Flexible terms and payment options * An alternative to high rate credit cards * Escape from the worry of funding the holidays Apply today to ensure a happy holiday season! Visit www.mohawkprogressivefcu.com or call 518.372.0828

Credit Unions Are "People Helping People" Now, more than ever, it is important to look out for our family, friends, and fellow humans. As a credit union member, you are part of a special network, and you have the power to help others in a unique way. For decades, credit unions have been governed by the motto of "People Helping People" through affordable, quality financial tools and resources. Member referrals have always been a driving force behind credit union growth and hel...ping others benefit from their offerings. Why not take part in helping your fellow citizens while also advancing the credit union movement? By referring a friend to Mohawk Progressive Federal Credit Union, you are passing along a wealth of financial benefits, including: * Lifelong access to affordable financial products * Better rates on loans * Higher yields on savings * Lower fees on transactions * Superior member service * Educational resources * And so much more! A credit union is more than just a place to put your money - they are a trusted partner who wants to help you realize your dreams. They are community members, they are neighbors, they are people - "People Helping People." Join the movement and refer a friend today. Visit us at www.mohawkprogressivefcu.com, call 518.372.0828, or stop into to say hello.

Notary Service At Your Credit Union Even though we now can often conduct our business with keystrokes or clicks, or taps and swipes, some things in life require your autograph. Under certain circumstances, your signature needs to be notarized. Typically, you need a notary for transfers of property, for example, on legal documents such as a will, deed, or trust. Some medical documents require a notarized signature. That's because signing your name in the presence of a notary s...ignifies you are doing so of your free will - you are not under duress and no one is forcing you to sign. You are also indicating you are signing the document for the reasons described in it and that you swear or affirm the document contains the truth. If you need a document notarized, contact the credit union at 518.372.0828 to set up an appointment. It's a service we are happy to help you with.

Thank You Volunteers! According to Independent Sector, a trade group for non-profit organizations, there are 63 million volunteers in the U.S. doing their part to hold up the foundation of civil society. From stocking food pantries to tutoring students to raising funds for homeless shelters, volunteers make a difference. While we say "thank you" to all 63 million for their service to their communities, we extend special appreciation to our credit union's volunteers. Members o...f our board of directors and our committees donate their time and talents to represent the interests of all our member-owners and to ensure the continued success of the credit union. Their dedication to service is one of the things that sets your credit union apart from other financial institutions. If you're looking for volunteer opportunities, including services you can provide virtually, go to volunteermatch.org. If you have an interest in becoming a credit union director or committee member, please contact your credit union. Thank you! See more

Credit Unions Are "People Helping People" Now, more than ever, it is important to look out for our family, friends, and fellow humans. As a credit union member, you are part of a special network, and you have the power to help others in a unique way. For decades, credit unions have been governed by the motto of "People Helping People" through affordable, quality financial tools and resources. Member referrals have always been a driving force behind credit union growth... and helping others benefit from their offerings. Why not take part in helping your fellow citizens while also advancing the credit union movement? By referring a friend to the credit union, you are passing along a wealth of financial benefits, including: * Lifelong access to affordable financial products * Better rates on loans * Higher yields on savings * Lower fees on transactions * Superior member service * Educational resources * And so much more! A credit union is more than just a place to put your money - they are a trusted partner who wants to help you realize your dreams. They are community members, they are neighbors, they are people - "People Helping People." Join the movement and refer a friend today. Visit www.mohawkprogressivefcu.com, call 518-372-0828, or stop in today. See more

Apply Online For Your Next Loan Whether you're in the market for a vehicle, a long awaited vacation, remodeling your home, or determined to get ahead by consolidating your bills into one payment, go online to apply for your loan from the credit union. Applying for your loan online means you can do it on your schedule, not ours, and from the comfort of your keyboard. Visit our website and check out our low rates and convenient terms. Then with just a few keystrokes, you can apply. When you sign up for automatic transfers or payroll deduction, repayment is a snap and also gets a .25% interest rate discount. So no, need to make a special trip to the credit union when you need a loan. We're here for you 24/7, ready to help you reach your goals

Check Out Our Virtual Branch While the novel coronavirus pandemic has disrupted much in our lives, one thing has remained the same. Your credit union cares about your safety and your well-being. So even though we've missed seeing your smiling faces, we've been here for you at our virtual branch. With e-services from the credit union, you can keep your financial life proceesing apace. If you haven't signed up for our virtual branch, you're missing out on a fast, convenien...t way to manage your money. You can check balances, transfer funds between savings and checking, make a loan payment, and much more. And it's open 24/7. With e-bill pay, you can dispatch your bills without leaving your keyboard. With just a few clicks and keystrokes, you can take care of business quickly and safely. Sign up for e-statements and we'll send you an email when your statement is ready. No worries about it getting delayed or lost in the mail. So visit our Website or give us a call to find out more. You'll wonder how you ever got along without it! See more

Buying New Wheels? Get Pre-Approved at your CU Buying new wheels has never been easier. At the same time, it's never been harder. While you can go online and do your homework from the comfort of your keyboard, there are more options than ever to choose from New or used? Electric or Hydrid? Sedan, SUV or Smart Car? When you step foot on the dealer's lot, the monthly payment is boldy advertised, but it's difficult to find the vehicle's price. The big print promises 0 pe...rcent financing, but the small print says it's only on select models and not all buyers will qualify. That's why it's nice to know the credit union has your back. It's as simple as this: the dealer is in business to make the most profit possible on the sale. The credit union's business is you. Without you as a member/owner, the credit union wouldn't exist. So when it comes to financing, we're here to help you get the most for your money. So once you've narrowed your choices, see the credit union for a pre-approved loan. With our low rates and terms to fit your budget, we can help make the hard process of buying a car easier See more

Apply Online for Your Next Loan Whether you're in the market for a vehicle, a long waited vacation, remodeling your home, or determined to get ahead by consolidating your bills into one payment, go online to apply for your loan from the credit union. Applying for your loan online means you can do it on your schedule, not ours, and from the comfort of your keyboard. Visit our website and check out our low rates and convenient terms. Then with just a few keystrokes, you can apply. When you sign up for automatic transfers or payroll deduction, repayment is a snap and also get a .25% interrst rate discount. So, no need to make a special trip to the credit union when you need a loan. We're here for you, 24/7, ready to help you reach your goals.

Preventing ID Theft You can help protect yourself from identity theft by following these tips: * Never, never provide personal or financial information if you did not initiate the contact - this includes the phone, Internet, or someone at your door. ... * If you receive an e-mail or pop-up message requesting personal or financial information, do not reply. And, don't click on the link in the message, either. * Protect your password(s) the same way - never provide it over the phone or over the Internet unless you initiated the contact. * Use anti-virus software and/or firewalls on every computer you own. Keep your anti-virus software up-to-date. * Always review credit card and bank account statements as soon as you receive them to check for unauthorized charges. * Do not reply to any e-mail asking to verify your personal data. You will find that legitimate vendors and merchants do not send such requests via e-mail. This includes your credit union. * Don't e-mail personal or financial information. E-mail is not a secure method of transmitting personal or financial information. If you initiate a transaction and want to provide your information through an organization's Web site, look for a lock icon on the browser's status bar or a URL that begins "https:" (the "s" stands for "secure"). * Remember, identity theft does not solely take place online. Protect your snail mail also by placing outgoing mail in post office collection boxes or at your local post office. Try to remove incoming mail from your mailbox as soon as you receive it. See more