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Community First CU is working to protect members from security breaches at retailers

Posted 2 years ago

You may have read or heard news stories about recent data breaches at major retailers. In these data breaches, computer hackers steal customer's credit card numbers and other information from the retailers.

Our members' personal financial information is extremely important to us. We monitor these breaches carefully, and we may sometimes need to re-issue your debit and/or credit cards to protect your account. In rare cases, we may be forced to block your card to prevent illegal unauthorized activity. We will notify you as quickly as possible if this occurs. We understand that this would be inconvenient for you, but it is necessary to protect your data and your financial information.

There are several steps you can take to help protect your data:

1. Monitor your debit card and credit card statements carefully for unauthorized charges. Report unauthorized charges or activity immediately.

2. Change your online passwords regularly, use passwords that use combinations of at least 12 uppercase and lowercase letters, numerals, and symbols. Do not use the same password or PINs for multiple sites/accounts.

Help us take action to stop data breaches at retailers

You can help us change the way retailers handle your card data. Retailers are not subject to the same federal data protection standards as financial institutions, such as Community First Credit Union. This means it’s easier for hackers to gain access to your credit card number, debit pin number, or other personal data through a retailer.

Although you may have only heard about a few breaches, over 500 data security breaches have occurred so far in 2014 exposing over 75 million data records.

What makes the situation worse is that the retailers pay NONE of the cost for their ineffective security measures. Community First Credit Union is left to clean up their mess by informing our members and reissuing or blocking your credit and debit cards.

If fraud does occur, we work with our members to remove the fraudulent charges. However, the card issuer is held responsible for almost all fraudulent charges. That means that Community First Credit Union must absorb the fraudulent charges.

Why don’t the retailers work harder to protect your data? Under current federal law, retailers pay NOTHING when they lose someone’s personal information, so they have no reason to improve their data protection standards.

Please help us tell Congress we need to stop the data breaches and bring the merchants up to the same data protection standards.

Visit to send an email to your Senator or Representative. Ask them to “Stop the Data Breaches: by holding retailers responsible.

Please contact us for more information about this issue.

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Welcome to our new web site!

Posted 3 years ago

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As your credit union, we exist to serve our members/owners. We are happy to announce our newly redesigned website. The new site helps you find information faster with larger graphics, easy-to read text, and a new menu system. Members can now apply for loans, find contact information, and check rates faster than ever. And your Online Banking login is available on every page.

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Community First Credit Union serves everyone in Ashtabula County

Posted 3 years ago

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Membership in Community First Credit Union is open to anyone who lives, works, worships or attends school in Ashtabula County. Families of members can also join. Just stop by our office and make a minimum deposit to open your savings account, and you can be a member/owner, too!

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Get preapproved for an auto loan before buying your new car and shop with confidence

Posted 3 years ago

If you are planning to buy a new car in 2014, apply online now and get preapproved for an auto loan with us. You can get an answer 24 hours a day online or by phone, and take advantage of a low rate, easy terms, and the service that you have come to expect from your credit union.

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Need to borrow money? A Home Equity Loan may be a perfect option for you

Posted 3 years ago

If you need money for home improvements, school, a vacation, or nearly anything else, a Home Equity Line of Credit may be a better option than a traditional personal loan or a credit card. Ask our experts today.

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