Welcome!

ARE YOU LETTING YOUR MONEY GO UP IN SMOKE? -- Posted on Monday, January 30 2012

ALL FINANCIAL INSTITUTIONS, INCLUDING YOUR CREDIT UNION, MUST COMPLY WITH THE PENNSYLVANIA ESCHEAT LAW. THIS LAW REQUIRES THE CREDIT UNION TO TURN OVER FUNDS IN ACCOUNTS THAT HAVE BEEN INACTIVE FOR FIVE YEARS.

WE DO NOT WANT TO SEE ANYONE LOSE MEMBERSHIP OR DIVIDENDS, OR BE INCONVENIENCED BY HAVING A DORMANT ACCOUNT TURNED OVER TO THE COMMONWEALTH OF PENNSYLVANIA.

YOU CAN PREVENT THIS BY MAKING REGULAR DEPOSITS TO YOUR SHARE ACCOUNT (at least once a year). MONEY PLACED IN YOUR CREDIT UNION SHARE ACCOUNT WILL EARN GOOD DIVIDENDS AND IS INSURED UP TO $250,000.00 BY THE NATIONAL CREDIT UNION ADMINISTRATION.

Your credit union will be closed the following dates:

2012 HOLIDAY SCHEDULE
February 20 - Presidents’ Day
May 28 - Memorial Day
July 4 - Independence Day
September 3 - Labor Day
October 8 - Columbus Day
November 12 - Veterans Day
November 22 - Thanksgiving Day
December 24 - Christmas Eve - Closing at 12:00
December 25 - Christmas Day
December 31 - New Year’s Eve - Closing at 12:00

SAVINGS BONDS PROGRAM THROUGH U.S. DEPT OF THE TREASURY -- Posted on Friday, September 9 2011

As of December 16, 2011. C.G.H. Federal Credit Union will no longer be purchasing savings bonds on behalf of our members. The Treasury Department has decided that they can save up to $70 million over the first five years once this is in effect. If you are interested in purchasing the bonds you will need to go to the U.S. Treasury bond online website at www.treasurydirect.gov to purchase, manage and redeem electronic savings bonds online. If you have any questions or concerns about this. Please feel free to call our credit union at 724-594-1028. We are open Monday- Friday from 9:00am to 4:30pm.

Whether you're out of town or at your hometown grocery store, always press "credit" to sign for your purchases. It's the secure way to pay. By signing for your purchases you'll receive our Zero Liability Protection. Protection against unauthorized use of your card if it's ever lost or stolen.*

GET AN EXTRA LAYER OF SECURITY WHEN YOU SHOP ONLINE! -- Posted on Monday, February 14 2011

To better protect our members when making online purchases, you will be prompted to register your CGH debit card with Verified by Visa.

When shopping at participating online merchants,this gives you an extra added layer of protection.

Just go to the Verified by Visa link on our website to register your debit card today.

For purposes of convenience, CGH Federal Credit Union's site contains links to third party web sites. CGH Federal Credit Union makes no representations or warranties about any third party web site that you may access through the links. By providing a link to those web sites, CGH Federal Credit Union does not endorse, adopt, or otherwise accept any responsibility for the content or use of those web sites.

A non-profit organization called Military Connections was started by a credit union member in 2004. Summer Tissue, sister of Marine, LCOL Edward Tissue, started sending supplies to her brother, then to some of his friends, then to some soldiers that never got packages from home. Military Connections will accept food donations, socks, razors and many other supplies to send to the soldiers serving abroad. Monetary donations are also accepted to pay for shipping. Donations can be dropped off at either branch of the credit union or sent directly to Military Connections.

If you know a soldier serving in the military, you can have his or her name added to the military connection database and that soldier will receive packages of food, toiletries and other items.

That website is www.militaryconnections.org. Contact Summer to find out what can and what cannot be shipped to our soldiers.

ZOO TICKETS - Available year round $10.00 - Children under the age of 24 months are free. Parking is free ! The zoo is open year round ( CLOSED Christmas day).

INSURANCE PRODUCTS available through CGH -- Posted on Wednesday, June 27 2007

Tired of paying too much for your car and homeowners insurance? Looking for Term or Whole Life Insurance to fit your needs? How about Accident Insurance or Long Term Care insurance? We have insurance products that will fit your needs while saving you BIG BUCKS! You can click on this link: http://members.cunamutual.com/h2/insurance.aspx?SITE=03713776 or go to our web site at: www.cghfcu.org and click on "Services" and then "On-Line Insurance Quotes". You will then have the option to select the type of insurance you are looking for and get a quote and/or locate an agent.

We hope that you (our credit union member) find this information to be helpful to your needs and lifestyle.

Credit union national EMERGENCY INFORMATION SYSTEM -- Posted on Thursday, September 28 2006

C G H Federal Credit Union has been working hard to prepare for possible disasters that could affect conducting of credit union business. We have added our 24 hour toll-free audio response phone number in the "Contact" area for member convenience. The audio response service will only be available to members that have signed an agreement and requested this service.

We encourage all members to sign up for home banking, bill payment and audio response services to help you conduct your business in any circumstance. All services are FREE to you, our member!

Get GOOD GRADES in school and get your REWARD -- Posted on Tuesday, August 22 2006

FOR EVERY CHILD 18 & UNDER THAT HAS A CGH SHARE SAVINGS ACCOUNT, WE WILL PAY $1 FOR EVERY "A" EARNED IN THE GRADING PERIOD ON YOUR REPORT CARD. IN MATH, ENGLISH, READING,SCIENCE, HISTORY, LANGUAGE IN HIGH SCHOOL GRADES. JUST BRING IN YOUR REPORT CARD AND WE WILL DEPOSIT $1 PER "A" INTO YOUR SHARE ACCOUNT.

WE WANT TO CELEBRATE OUR YOUTH MEMBERS EDUCATIONAL SUCCESS WITH A CASH REWARD AND DOING WELL IN SCHOOL CAN LEAD TO IMPROVING YOUR FUTURE.

Get A Free Copy Of Your Credit Report! -- Posted on Thursday, September 1 2005

Pennsylvanians and residents of 13 eastern states, Puerto Rico, and all U.S. territories, can obtain a free copy of their credit report from one of the three credit reporting agencies under the new federal Fair and Accurate Credit Transaction Act (FACT Act). Congress passed FACTA in December 2003 and the regional rollout began on the west coast last December.

Pennsylvania Secretary of Banking Bill Schenck encouraged citizens to request a copy of their credit report. “The U.S. Public Interest Research Group says one in four credit reports surveyed contained serious errors that could result in the denial of credit, employment, or insurance,” said Schenck. “It’s essential for all Pennsylvanians to regularly review their credit report to make sure it’s accurate and to guard against identity theft. Errors or undetected fraud can negatively impact a consumer’s access to loans and the interest rate they are charged.”

The new law permits consumers to receive one free credit report per year from Equifax, TransUnion, and Experian. The goal is to prevent such theft, resolve consumer credit disputes, and improve the accuracy of consumer credit reports. According to the Federal Trade Commission, more than 7,500 Pennsylvanians were victims of identity theft last year.

Consumers are urged to be wary of companies with similar sounding names that may require a purchase in exchange for the free credit report or ones that make offers to repair damaged credit. If consumers are not certain a credit-reporting agency is legitimate, or they believe they are a victim of identity theft, they should contact the FTC at www.ftc.gov.

Free reports may be requested online at www.annualcreditreport.com or call toll-free, 877-322-8228. Consumers may also send a request by mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Opt Out of unwanted phone calls, credit card offers, and prescreened solicitations -- Posted on Tuesday, May 17 2005

Stop those dinnertime phone calls permanently by logging on to www.donotcall.gov and entering your home phone number or by calling 1-888-382-1222.

You can also stop all the credit card offers that you get in the mail by logging on to www.optoutprescreen.com or by calling 1-888-567-8688. You can choose to opt out permanently or for 5 years.

Opt-out Notice Rule Takes Effect August 1
Beginning August 1, 2005, financial institutions and other companies that send “prescreened” solicitations of credit or insurance to consumers will be required to provide simple and easy-to-understand notices that explain consumers’ right to opt-out of receiving future offers. The FTC, as required by FACTA, issued a Final Rule on January 31, 2005, which specified the format, type size, and manner for these opt-out notices.

If consumers decide that they don’t want to receive prescreened offers of credit and insurance, there are two choices: (1) opt-out of receiving them for five years; or (2) opt-out of receiving them permanently. Consumers can call toll-free 1-888-5-OPTOUT (1-888-567-8688) or visit www.optoutprescreen.com for details. The telephone number and Web site are operated by the major consumer reporting companies. When calling, or visiting the Web site, consumers will be asked to provide certain personal information, including home telephone number, name, Social Security Number, and date of birth. The information provided is confidential and will be used only to process the request to opt-out.

Are you tired of being offered free checking and finding out that there are catches to the offer? At CGH Federal Credit Union we offer you free checking and we mean it! Open a CGH FCU checking account and get:

FREE ATM's across the United States in the CU$ network & the Allpoint network.......and did you know???.....all Sheetz machines are now free!

FREE copies of cancelled checks via home banking (written by member & from bill payment)

If you overdraw your account, the credit union will transfer any available money in regular shares (1) for a $5.00 fee per overdraft item.

WE WELCOME NEW COMPANIES TO OUR MEMBERSHIP -- Posted on Saturday, April 16 2005

We have been asked "How can someone join CGH Federal Credit Union?". Membership can only be obtained through a company that has joined or wishes to join the credit union.

To see if you are eligible to join our credit union, select the "Services" option to the left of this message. Next, click on the option to "Apply for Membership". At the bottom of the application, it is explained that you must be eligible to join and you can click on the link to view the companies that have already joined our credit union. These employers have added a great perk to their benefit package just by joining the credit union.

If you work for one of the companies that have joined CGH Federal Credit Union, then you, your immediate family members, and anyone living in your household are eligible to join the credit union. If your employer is not a member of a credit union, ask them to join CGH Federal Credit Union so that you can join and use our services. The cost to an employer to join is FREE! Once they join, each employee has the option to join.

Employers that wish to join are required to request membership to the credit union on company letterhead. They need to make the request, state the distance that they are located from one of our two offices, and they should state the number of employees that they currently have employed. Submit your request by mail, fax, or in person. You will be notified when you request has been approved. At that time, all employees, immediate family members (parents, grandparents, children, grandchildren, brothers, sisters, spouse, and parents of the spouse), and members of the same household are eligible to take advantage of our great services!

Don't Wait For The Next Disaster To Plan -- Posted on Wednesday, October 27 2004

CGH Federal Credit Union wants to help Americans minimize the financial impact of a natural disaster or national emergency. A free "Emergency Financial First Aid Kit" is available to offer users identify and organize key financial records and serves as a quick reference to their most important financial documents. The Emergency Financial First Aid Kit is available at the credit union office or log on to the National Credit Union Administration web site at http://www.ncua.gov/Publications/brochures/EmergencyFinancialFirstAidKit.pdf.

Report Lost OR Stolen VISA Debit Check Card -- Posted on Wednesday, May 19 2004

IF YOU HAVE A CGH FEDERAL CREDIT UNION VISA CHECK CARD THAT HAS BEEN LOST OR STOLEN, PLEASE CALL 1-800-264-5578,

Identity Theft & Computer Security Tips!!!!!! -- Posted on Thursday, January 29 2004

If you receive an e-mail from CGH Federal Credit Union requesting financial information or any other personal or sensitive data:

The following suggestions are offered to help educate our members to help in the prevention of becoming a victim of identity theft and to educate our members of what they should do if they become a victim of identity theft.

For more information on identity theft and to download an affidavit along with the instructions......click on this link http://www.consumer.gov/idtheft/.

To download a free informational brochure, visit the link http://www.ncua.gov/Publications/brochures/IdentityTheft and click on "You Can Fight Identity Theft". The brochure is a PDF document that you can print out in color. It provides the answers to what you will need to do if you become a victim, how to protect yourself, and how you can fight identity theft.

Saving your password to your desktop may seem like a timesaver but it allows others to access your personal information without your permission.

Avoid using passwords that are relevant to your personal situation or are common words. Do not use passwords with your phone number, date of birth, or social security number. Creat passwords that contain letters and numbers that cannot be easily attributed to you. Change your password every 60 days or as often as you feel comfortable. Keep in mind that the longer the password, the harder it is to break it. Also use a combination of upper and lower case letters and numbers.

"Phishing" emails are those sent to your email address by cyber criminals who wish to steal your personal information. Be wary of any email that asks for your PIN numbers, passwords or credit or debit card information. Keep in mind that an organization will never ask you for this information via e-mail. Even though these letters often include the real registered logos of legitimate companies that you may already do business with or link to what appears to be the company's website, be aware that these sites are fraudulent "Spoof" websites that are designed only to capture your information for fraudulent purposes. Most "phishing" emails do not even address you by your proper name because they are "blanket" emails sent out en masse to thousands of potential targets.

Emails do not have boundaries. You may be the recipient of a fraudulent email from any country in the world. Pay close attention to the finer details of any emails that you receive. Are there typographical errors or unusual grammatical mistakes within the letter? Is there a hyperlink in the email that dirests you to a website address that also bears noticeable erros in language and grammar? Use extreme caution. Do not input your personal information until you verify the website with your financial institution.

Homeland Security is making available a series of information products targeted for home users and technical experts in businesses and government agencies. These e-mail products will provide timely information on computer security vulnerabilities, potential impacts and action required to mitigate threats, as well as PC security "best practices" and "how to" guidance.

The National Cyber Alert System provides timely information about current and emerging threats and vulnerabilities as well as advice about protecting your compputer and networks. The new National Cyber Alert System security suite of products includes: