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Welcome To The Insighter!

Explore the latest happenings at Kirtland FCU and learn about important topics from around the financial world. Here’s your insight!
To learn about retirements, investments and financial planning, check out Invested now.


Home Loans

The Kirtland Federal Credit Union down-payment assistance program, Jump Start, is off to a roaring start since its inception in 2019, and one local family can testify to its value in the pursuit of home ownership.
 

What is Jump Start?


Jump Start down payment assistance is Kirtland FCU’s one-of-a-kind way to help members meet their down payment requirement on their first home. Since 2019, the program has provided more than $45,000 in grants to homebuyers.

One of those homebuyers, Benedict and Theresa Fawver, credit Jump Start with helping them reach their goal of home ownership so quickly.
 

“We didn’t have much money saved for a down payment,” said the couple. “Jump Start allowed us to focus on the other costs of moving without having to worry about finding the money for a down payment.”


Down payments on a new home average 12% of the purchase price, according to the National Association of Realtors. For first-time homebuyers, that average is 3-7%—still a hefty amount considering the high price of real estate right now. For a $200,000 home, a 3% down payment is $6,000: cash that needs to be turned over to the lender at the time of purchase. Considering the average savings of Americans, this is not an insignificant amount and can be a big barrier to home ownership.

For Benedict and his wife Theresa, each 25 years old, and their infant daughter Sophia, homeownership has been a big boon. We caught up with the family to ask them about their journey to homeownership.
 

The Fawver’s Story


Q: We know purchasing a home is the culmination of years of planning, dreaming, and work. Tell us about your journey to homeownership.
A: We started thinking about buying a house shortly after we got married two years ago, but we didn’t have the money saved up yet as Benedict had just graduated from college. We rented an apartment and then a house, and while they were nice, we never quite felt at home. The owners of the house we were renting decided to sell, and we decided it might be a good time to start looking into buying a house. We discovered the Jump Start program shortly after and realized it would be a great fit for our situation. House-hunting ended up being a bit challenging as we were in the process of looking for a house when the Covid-19 restrictions started to be put into place. Luckily, all parties involved were still able to work with us and help us to find and close on a home without too much delay.

Q: Tell us about your new home!
A: Our new home is a 3-bedroom, 2-bathroom home built in 1959 but remodeled in the last year or two. The recent remodel was done well, and the entire house has nice upgrades and new appliances. The kitchen was a big selling point for us as it has high quality appliances and quartz countertops. Another major selling point is the yard that has nice grass and a patio for grilling and enjoying the outdoor.

Q: How has your life changed now that you’re a homeowner?
A: Owning a home has given us a better sense of belonging; our new house feels more like home than any places we have rented in the past. There is also a pride in ownership that makes us want to keep the property in good condition and upgrade things we may not be completely happy with. Our quality of life has improved and one reason for that is Benedict has a much shorter commute to work. Other quality-of-life improvements include a more functional yard for Sophia to play in and having a spare room to use as an office.

Q: Describe your Kirtland FCU experience.
A: We worked with Teresa Quintela. She was very helpful and upfront about the whole process and how we could get the best interest rate. We would recommend Kirtland FCU to friends and family. The representatives are so helpful and everyone is willing to work with you to achieve the best outcome.


Is it your turn?

Have you been thinking about purchasing your first home (or your first home in a long time)? The Jump Start down payment assistance program could help you next! Providing a grant up to $6,000, Jump Start is helping families who have never owned a home or who haven’t owned a home in the last four years achieve homeownership.

Kirtland FCU is proud to be Albuquerque’s premier home loan lender. If you’ve been thinking about purchasing a new home, give us a call  at 1-800-880-5328 to make an appointment, or apply day or night online at KirtlandFCU.org. We’re open! We’re here.

Let’s get moving!

LEARN MORE ABOUT THE JUMP START PROGRAM NOW


 
An equal housing lender. Financing available for properties in New Mexico only. Loan subject to credit approval. Income limits and restrictions apply. Maximum assistance will be up to 3% of the purchase price or a maximum of $6,000 with a maximum loan amount not to exceed $200,000. Loans with Jump Start assistance will require Private Mortgage Insurance. Borrowers will be required to complete a homebuyer education course. At least one borrower cannot have owned a home in the past three (3) years to be eligible for Jump Start assistance. Cannot be combined with any other offers. Program may be cancelled or suspended at any time without notice. Membership eligibility required. See a representative for complete details.

Security Fraud

We’ve all been at home for decades months now. It’s become apparent to many of us that something is just missing at home. What an amazing time to get a pet! Everyone is at home, we can train and look after our new pet! It’s a great distraction and a perfect time to grow our family.
 
It makes sense that with COVID-19 comes skyrocketing incidents of this scam—a threefold increase from this time last year. It’s the Puppy Scam.
 
The BBB received 1,681 reports of pet scams in the past few months, up from 583 for the same period last year. Overall, pet scams comprise 25% of online scams reported to BBB’s Scam Tracker. During the same period last year, it was 18%. The typical dollar amount lost to pet scams also rose from $655 last year to $700 this year, one of the highest for all categories. The percentage of people who reported losing money inched up from 68% last year to 70% this year.
 
It's a costly scam, and one that pulls at the heartstrings.
 

How it works

According to the American Kennel Club, puppy scammers post fake litters online or pretend to be someone they’re not (usually an existing breeder) to take advantage of puppy sales (sans the puppies.) This means that if you aren’t careful, you could find the perfect puppy, send the ‘breeder’ your money, and never receive a puppy or any follow-up communication in return.
While many times these fake listings appear on websites like Craigslist, some scammers find ways to position themselves as reputable breeders by stealing personal info from them.
 
BBB did an earlier study that found that these types of frauds depend on bogus, often sophisticated advertisements to hook unsuspecting consumers. Experts believed, at that time, that at least 80% of the sponsored advertising links that appear in an internet search for pets may be fraudulent.
 
Victims were often told that they needed to send money for special climate-controlled crates, insurance and a (non-existent) COVID-19 vaccine. There also were several instances where the consumers wanted to see or pick-up the animal but were told that wasn't possible due to COVID-19 restrictions.
 
A classic report comes from the BBB: one woman reported losing more than $1,100 to two different puppy scammers in April 2020. She said the first seller agreed to sell her a pug puppy for $500, including shipping, and had her pay with a prepaid gift card he instructed her to buy at Walmart. The woman told BBB the seller subsequently notified her that COVID-19 had delayed shipment of the puppy and would not issue her a refund; she tracked the gift card and found that it had already been spent at a Target store in Texas.
 
The woman said she subsequently made contact with another seller who agreed to sell her a pug puppy for $620, including shipping. She said after she paid half the fee, a third-party shipper contacted her and demanded $750 for a climate-controlled crate; when he offered to split that fee with her, she sent him $300. The seller and shipper subsequently both turned out to be fraudulent, and the woman did not receive refunds or either puppy.
 
“This seller absolutely played on my emotions and vulnerability,” the woman told BBB. “I'm a highly educated person, but I've never felt so stupid in my entire life.”
 

How to stay safe

If you’re considering purchasing a pet, the following are best practices to keep yourself safe from a puppy scammer.
 
See the pet in person before purchasing
Reluctance to have you meet the animal should be a red flag. And when it comes to photos, scammers will often use stock images or photos off the internet when advertising for their scheme. They’ll also repeat their posts in several different places, so do a quick Google search using the text in the listing. If you’re finding the same text on a different site with different photos, that’s a warning sign.
 
Beware sketchy payment methods
If a seller is asking for money wires or gift cards, you should be on the lookout for a scam. Paying by credit card is your best option because it gives you recourse in case a deal doesn’t work out. If you pay with a gift card, wire money, or use a personal transfer service like Venmo, there is no way to retrieve your payment.
 
Research the price
These scams often advertise full-breed animals at an unbelievably low rate. Research the prices of the breed you’re considering to see what the typical price is. If the listing says the animal is registered, check out that registration before turning over any money
 
Beware extras
Scammers often try to charge money for transportation or other extra perks along the way. Be on the lookout for these.
 
Consider adopting rather than purchasing
Animal shelters nationwide are full of wonderful dogs and cats waiting for forever homes. Whether you adopt from a city shelter or one of the many rescue organizations, you have many options for getting a four-legged friend that won’t put your money in jeopardy. Fees are nominal and usually cover vaccinations, microchipping, and other costs associated with adopting out an animal.
 
If you think you have been scammed or have found a suspicious website, report it to BBB Scam Tracker and the Federal Trade Commission.
 
Get started on your puppy search safely!
 
Animal Humane New Mexico
ASPCA
Watermelon Mountain Ranch
Rio Rancho Animal Resource Center
Albuquerque Animal Welfare
 

Credit

If you’re in debt and have been contacted by your lender or even by third-party debt collection agencies, there are two things to keep in mind. First, you aren’t alone. A 2018 study by the Consumer Financial Protection Bureau found that roughly 28% of those with a credit history have a debt reported by a third-party debt collection. At least nine percent had at least a 60-day delinquency on a credit card. The second thing to keep in mind is that you have options.
 
The COVID-19 pandemic has resulted in an upheaval in the economy unlike any event in recent history, with millions of Americans unemployed and struggling. Despite government attempts to help, many families are facing unexpected economic pressure.
 
If you’re at risk of falling behind on payments:
 

DON’T

Wait until you’ve missed payments to fix the problem.
 

DO

Contact your lenders if you’re at risk of missing payments. If you’re having trouble finding the money to make this month’s mortgage, credit card, auto, student loan, or other debt payment, contact your lender right away. They may help, but your options will be limited if you wait to be contacted or call your creditors after the fact.
 
Many lenders have “accommodations”—hardship programs that can delay or adjust some payments. And if you’re enrolled before you fall behind on your payments, you may be able to avoid negatively impacting your credit score. Be sure to ask for details of any such program before enrolling. Will it affect how much you pay overall? Will your credit limits be impacted? Will your credit score take a hit? And what are your options when the program is over if you’re still facing financial trouble. Be proactive!
 

DON’T

Be intimidated by a debt collection call.
 

DO

Verify your debts and know your rights.  There are rules governing how a third-party collector can approach you to collect a debt. These collectors can help you identify a realistic repayment plan. The Fair Debt Collection Practices Act (FDCPA) says that a debt collector is not allowed to use unfair practices to collect a debt. They may not
 
  • Try to collect charges in addition to the debt unless they are allowed by the contract or state law
  • Deposit a post-dated check early
  • Communicate with you about a debt by postcard
  • Use any language or symbol on an envelope for correspondence with you (other than its address) that indicates it is a debt collector
  • Misrepresent the debt, including the amount owed.
  • Claim to be an attorney
  • Make threats to have your arrested
  • Make any threats to do things that cannot legally be done or thing that the collector has no intention of doing.
 
A debt collector is not allowed to harass you. Keep good record of all communications with a debt collector: keep copies of any correspondence, write down dates and times of calls, and notes of what was discussed.
 
If you believe you’re dealing with an unscrupulous debt collector, contact the Consumer Financial Protection Bureau, the FTC or your state attorney general.
 
If you’ve been contacted by a debt collector and aren’t sure how to handle it, the Consumer Financial Protection Bureau has information and documents that can help.
 

DON’T

Be afraid to work with a credit counselor. If you’re dealing with a financial crisis, your options can be confusing and the task of managing the situation, daunting. Credit counseling agencies are generally non-profit and can advise you on your financial worries. Be prepared to discuss your financial situation, your employment status, financial goals, and detailed records of your income and expenses. A good credit counselor can help you assess how to best manage all your debits, and many offer initial budgeting sessions at no cost.
 

DO

Be careful when looking into debt relief. Debt consolidation isn’t for everyone and it won’t erase your debt. You could end up paying even more! Before you enroll in any program, understand how the program works. There are many different types of programs, and you should know and understand the positives and negatives of any one program. Understand, before signing up, if the company is offering a consolidation loan, credit counseling, debt settlement, or some other type of program.
 
If a debt settlement company required you to save up funds in an account, know that the money still belongs to you. You are entitled to withdraw money from that account at any time without penalty and the account must be administered by an independent third party.
 
And lastly, watch out for scams. Some thieves will attempt to take advantage of those struggling with debts. Be wary of any company that charges fees before it settles your debts. Upfront fees are a big red flag. Also, companies claiming to help you take advantage of a “new government program” should be avoided. And avoid any company that claims it can make your debts disappear. Your debts will need to be managed, and that will take time and effort on your part. If it sounds too good to be true, it likely is.

COVID-19 Security Fraud

Scam artists will stop at nothing to exploit the fear, social isolation and uncertainty fueled by the COVID-19 pandemic. “People are more vulnerable emotionally than ever,” says psychologist Stacey Wood, a professor at Scripps College in California. “That makes it easier to fall for the increasing number of scams out there."

Criminals are preying on this new vulnerability with everything from fake work-at-home jobs and fraudulent charities to money-seeking romance schemers lurking on dating sites. Other scammers include government impostors who are targeting your stimulus check. How do they do it? Here are six psychological tactics scammers don't want you to know about.

A friendly voice
Before the coronavirus, 1 in 4 older adults were socially isolated; today that number is far higher. “When you're lonely, a friendly voice on the phone or a friendly message on social media seems like a real bright spot,” says Emily Allen, senior vice president for programs at AARP Foundation. Scammers use information they've gleaned about you online to strengthen the bond. They shower you with compliments and get you to like them in order to make you more willing to believe their lies.

Official-sounding sources
“In uncertain times, we rely more than ever on what other people tell us. Scammers may falsely identify themselves as being from the IRS or the Centers for Disease Control and Prevention,” says Robert Cialdini, regents emeritus professor of psychology and marketing at Arizona State University. “They misquote or make up advice from experts. And they create fake organizations that sound impressive, to fool you.”

Using your intelligence against you
"Some people get drawn in when scammers compliment their intelligence and ability to understand a so-called opportunity,” Cialdini says. “Others think they're smarter than a scammer and can spot a phony. Research shows that, among older adults, those who think they're the most invulnerable to persuasion are most likely to fall for scam artists."

Helping in hard times
Schemes involving fake charities, online romantic partners in need and grandchildren marooned away from home without cash are nothing new. But they're heating up as people yearn for ways to help others and as job losses and travel restrictions make scammers’ stories sound more believable than ever, Wood says.

Relieving your new anxieties
Job loss, stock market tumbles, scary virus risks — scammers are manipulating your fears in these uncertain times with too-good-to-be-true “opportunities” like fake work-at-home offers, bogus investment schemes and phony chances to buy face masks, hand sanitizer, coronavirus tests and fake remedies.

You gotta act now!
Goading you to either make a fast decision or miss out on scarce supplies or a new job plays on today's anxieties, Wood says. “When you're fearful or stressed, you're more likely to make impulsive decisions,” she says. “Scammers know this.”

So how can you stay safe from these tactics?

4 Ways to Stop a Scam Before It Starts
  1. Cut them off. Toss, delete or hang up on unsolicited offers. Don't answer the phone if you don't recognize the caller ID. Don't click on links or provide personal info requested in an email.
  2. End suspicious online friendships. This is not the time to trust strangers, no matter how nice they seem. In fact, scammers are professionals at being “nice.” Put on your toughest filters and cut off contact the moment someone you don't know well asks for info or financial help.
  3. Cultivate your real friendships. Be in frequent touch with family, friends and neighbors who can be sounding boards on unusual offers. Visit connect2affect.org to assess how much social isolation and distancing are affecting your mental and physical health, AARP's Allen says.
  4. Do your homework. If someone claims they're from the IRS or your bank, call to verify. Learn more about popular coronavirus scams now.

COVID-19 Security Fraud

“Grandma, it’s John. I need help.”

“John? Are you ok? You sound funny.”

I’m in the hospital, Grandma. I need you to send me some money so I can pay my bills because they won’t let me go.”

“What? Your mom didn’t mention that to me!”

“Please don’t tell her, I don’t want her to worry. I’m okay, I just really need money to pay the hospital bills.”

Grandchildren hold a special place in the hearts of their grandparents. That affection, combined with the higher percentage of financial resources and trust that are hallmarks of this generation, is making grandparents a juicy target for scammers amid the coronavirus pandemic.

In this fake scenario above, you can see the trademarks of the classic Grandparent Scam. A claim to be a grandchild or other family member OR a claim to be a bail bondsman, attorney, or some other law enforcement agent calling in regards to a family member. A plea for help, or a threat. A request or demand to not involve others in the family. And a scenario that may or may not be tied to the coronavirus epidemic.

Criminals continue to employ the Grandparent Scam for a simple reason: it works. And in the midst of the pandemic, reports of this particular threat are increasing. According to an AARP report, in New Jersey and New York alone, roughly 100 victims have lost about $1 million in recent months.

Here’s a look at the number of such cases reported to the Federal Trade Commission’s Consumer Sentinel Network. Cases totalled 91,585 from the beginning of 2015 through March 31 of this year.

Since 2015, some 91,585 people have been victims of impostor scammers who purport to be family members or friends, the Federal Trade Commission (FTC) says.

"In these days of coronavirus concerns, their lies can be particularly compelling,” FTC attorney Lisa Weintraub Schifferle warns. “They pull at your heartstrings so they can trick you into sending money before you realize it's a scam,” she says.

And requests, at least in busy cities like New York, are not always for a digital delivery of money. In fact, the FBI has arrested scammers who send a taxi cab or even come to the victims home to pick up the money, acting as a go-between for the grandparent and their “grandchild”.

Knowing the names of family members or referring to family vacations or other events is NOT proof of validity. In the age of social media, it’s scary easy for a criminal to gain access to that sort of information.

Amy Nofziger, who directs AARP's Fraud Watch Network helpline (877-908-3360), likewise reports an increase in grandparent scam complaints as people isolate at home. Nofziger says the scams exact a financial and emotional toll on people; some have even lost their life savings.

"We're all very emotional during these COVID-related times, and these criminals want to prey on your emotions,” she says. “And nothing is more emotional than thinking that someone you love is in trouble and needs your help."

Even victims’ grandchildren — while blameless — may feel aftershocks of guilt and remorse, “so it’s really something that affects the whole family,” Nofziger says.

How to stop a grandparent scam
And if you get a scam call, report it to local police, to the FBI's Internet Complaint Center and to the FTC.

Here’s advice from the FBI and other authorities on how to thwart a grandparent’s scam.
  • Use privacy controls on Facebook and other social media platforms to limit what strangers can learn about you and your family.
  • When you suspect that someone who calls, texts or emails you is a scammer, take a breath. Slow it down. Contact the family member who purportedly is in trouble and needs cash. Such calls may come late at night and the background may be noisy, adding to confusion. Never act in haste.
  • If you suspect a scam, tell the caller directly: “I am not participating in this discussion.” Consider writing that down on a piece of paper and keeping it near your telephone.
  • If the caller purports to be a bail bondsman, ask where your relative is being held and contact the facility directly. Or call your local police department, where officers may be able to call the jail and check out the story.
  • Resist the urge to act immediately — no matter how dramatic the story is.
  • Verify the caller’s identity. Ask questions that a stranger couldn’t  possibly answer. Check the story out with someone else in your family or circle of friends, even if you’ve been told to keep it a secret.
  • Don’t send cash, gift cards or money transfers — once the scammer gets them, they’re gone.
“We want to warn as many people as possible so that they might thwart the nefarious efforts of these schemers,” said FBI Special Agent in Charge Gregory W. Ehrie. “Awareness is a victim’s best defense. Don’t allow criminals to separate you from your hard earned savings. Call, verify, report.”

If you receive this type of call, remain calm and resist the pressure to act quickly. Get as much information as possible, including the phone number, if possible, of the caller. Hang up and call a family member to verify the information or call a trusted friend to ask for help. Report the call to your local police department or the FBI. Never wire money, especially overseas, based on a request made over the phone or in an email. Once you send it, you can’t get it back.

For more information, read the FTC’s guidance on Family Emergency Scams.

And if you get a scam call, report it to local police, to the FBI’s Internet Complaint Center and to the FTC at ftc.gov/complaint.

COVID-19 Security Fraud

When a crisis hits, it’s important to stay on top of your finances as best you can and monitor your credit.

Due to the hardship caused by COVID-19, all U.S. consumers can get free weekly online credit reports now through April 20, 2021, from TransUnion, Experian, and Equifax by visiting annualcreditreport.com.

As the coronavirus outbreak continues to evolve, your credit might be the last thing on your mind. During times of emergencies though, such as global pandemics or natural disasters, you should know the state of your finances and keep your credit on your radar. Along with your physical health being a top priority, so should the state of your financial health and wellness.

Normally, your credit report is available every 12 months from all three credit bureaus—TransUnion, Experian, and Equifax. Given the vast number of consumers’ financial health being impacted by the current economic conditions, online access to your report is now available on a weekly basis. Visit annualcreditreport.com and follow the prompts.

Remember your credit report and credit score are two different things, and your report will not include your credit score.
  • A credit report is a statement of your credit activity and current credit situation. It includes a history of your loan payments and status of credit accounts.
  • A credit score is calculated from your credit history and behavior—information found in your credit report.
There are four main ways you can acquire your score, including checking your credit card or other loan statements, talking to a non-profit certified credit counselor, using a credit score service (be sure you know what you are signing up for and how much it really costs!), or buying a score directly from one of the three credit bureaus—TransUnion, Experian, or Equifax.

There are additional ways you can be proactive with your credit. Follow these steps to help keep your credit on solid footing.
  1. Pay your bills on time, if you can. Even if it gets difficult, try to make at least the minimum payment by their due date. Late payments negatively affect your credit score.
  2. Contact your creditors and service providers. If you get to a point where you can’t pay all your bills, contact your creditors and any service providers such as utilities, phone company, etc.
  3. Check your credit regularly. Now is a critical time to make sure your credit reports are accurate. If you identify potential fraud, you can respond before it damages your credit.
  4. Be extra protective of your identity. Unfortunately, during times of crisis, scams and identity theft are at an all-time high. Protecting your personal information is essential. You can place a free security freeze on your credit files which prevents people (good AND bad) from accessing your personal information and using your name to apply for credit.
  5. Get financial assistance, if needed. Certified credit counselors can offer advice on how to repay your debts in a manageable way.
  6. Dispute inaccurate information. If you find inaccurate information when reviewing your credit report, you can file a dispute with each credit bureau. Each bureau has an online dispute center, which is the quickest way to file a dispute.
How to Order Your Credit Report
Don’t contact the credit reporting agencies individually. The free reports are available only through annualcreditreport.com and 1-877-322-8228.

You’ll need to provide your name, address, social security number, and date of birth. If you’ve moved in the last two years, you may need to provide your previous address. For security purposes and to verify your identity, you may be asked for information only you would know, like your monthly mortgage payment.

Beware of “Imposter” Websites
The only website authorized to fill orders for the free annual credit report you are legally entitled to is annualcreditreport.com. Other sites that claim to offer “free credit report” or “free credit monitoring” aren’t part of the legally mandated free annual credit report program and in some cases have strings attached to the “free” product being advertised.

Report Scams
The Federal Trade Commission (FTC) works for you—the consumer—to prevent fraud and unfair business practices in the marketplace. If you think you’ve been the victim of a scam, you can file a complaint with the FTC and/or the Attorney General of your state.
 

News

The long-awaited Coors Pavilion Branch, the second Kirtland FCU location on Albuquerque’s westside, is finally open for business.

“It’s 1,112 square-feet of pure awesome!” says Sarah Horten, Kirtland FCU Chief Retail and Lending Officer.

Kirtland Federal Credit Union’s newest branch—and the first on the westside in more than 15 years—is now open in the Coors Pavilion at the northwest corner of Coors Blvd. and St. Josephs Drive.

This modern, full-service branch brings Kirtland FCU’s banking and loan services right where our members need them—on the growing westside of Albuquerque! The branch is located at 4101 Coors Blvd. NW, Suite B, right next to Starbucks and across the street from St. Pius High School.

“This is our second micro-branch,” said Tom Shoemaker, President and CEO of Kirtland FCU. “It’s an intimate space that our members are going to love. We put our efforts not into building a gigantic space but into providing a better, more personalized experience for every member.”

SMALL BUT MIGHTY
Don’t let the size fool you; this new location is a full-service branch. You can do it all—open an account, apply for a loan, make deposits and withdrawals, investment services and get help with all of your account needs—six days a week.

NO COINS
This newest addition to the Kirtland FCU branch family is also be the first to be 100% coinless. That’s right, no dropping coins on your way out the door! This feature creates a whole lot of space for a better member experience, but it does mean that you cannot deposit or withdraw coin at this new branch. Need to cash a check with cents? You’ll have two options.
  1. SAVE THE CHANGE! Just add the extra cents to your checking or savings account. You’ll have saved for an extra coffee next door in no time at all!
  2. ROUND UP! Take a few extra cents from your checking or savings account to make your withdrawal a whole dollar amount.
The Coors Pavilion branch features updated décor, the latest in banking technology, and an easy and enjoyable experience for members. 

Coors Pavilion Hours:
  • Monday-Thursday: 9:00 a.m.–5:00 p.m.
  • Friday: 9:00 a.m.–6:00 p.m.
  • Saturday: 9:00 a.m.–3:00 p.m.


WE’RE OPEN! MOSTLY

In the midst of the coronavirus pandemic, all of Kirtland FCU’s branches closed their doors for the safety of our members and our employees. As numbers trend downward, we’ve made the decision to reopen all of our branches with some new protocols in place to ensure everyone banks safely—and this includes the brand-new Coors Pavilion location.
  • Wait outside. You’ll be asked to wait outside the branch until admitted by an employee.
  • Wear your mask. Per state mandates, you need to wear a mask while in the branch. You will be asked to momentarily lower your mask for identification before your transaction begins.
  • Follow directional signs. We’ve set up a particular flow in our branches to encourage social distancing. Watch for the signs on the floor. 
In addition to these measures, staff members will also be sanitizing all surfaces frequently and between each member transaction. If aren’t comfortable wearing a mask or following these protocols, we’re happy to serve you in the drive-thru (our West Alameda branch offers westside drive-thru service), over the phone at 1-800-880-5328 (Call Center Hours), or online with Online and Mobile Banking. 

Read all the latest about Kirtland FCU’s response to the coronavirus pandemic.


WHO CAN JOIN? 

Kirtland FCU welcomes members from all over Albuquerque! There are more than 200 ways to qualify for membership at Kirtland FCU. Stop by any branch to find yours or visit KirtlandFCU.org/Join to get started! 

We can’t wait to see you at Coors Pavilion!
Coors Pavilion not near you? Find another Kirtland FCU branch.

 

COVID-19

Since our branches closed their doors to walk-in traffic in March (way back in March!? It’s now June), we’ve been monitoring the state and federal guidelines and recommendations to determine the best time for us to safely reopen our doors and see our members’ faces once again. That day has arrived!
 

Our branches are now open to the public.


However, safety remains our first priority. When members walk in our doors, the experience of visiting a Kirtland FCU branch will look a little different. Here is what you need to know before you come see us!
  • Masks are required. Every person who comes in our lobby doors must have a mask or cloth face covering that completely covers the mouth and nose, in accordance with state orders. We’ll ask you to temporarily remove your mask for identification before any transaction begins. Our employees will likewise be in masks while in the lobby for your safety. Remember, masks won’t prevent you from getting sick, but they do help prevent transmission by a person who is wearing one. If we’re all wearing our masks, we can better protect each other.
  • Plexiglass is installed in the lobby. To further prevent the spread of COVID-19, Plexiglass separators have been installed at the front desk and at teller windows.
  • We’re operating at reduced capacity. Following state mandates and to encourage social distancing, the capacity of our lobbies is limited. When you arrive, follow posted instructions and wait outside until you are welcomed into the lobby by a staff member.
  • Lobbies are set up for social distancing. Follow any posted signage and floor markings to maintain a safe flow through the lobby.
  • Increased disinfecting protocols are in place. Our staff will clean and disinfect surfaces between members.
  • Restrooms are closed. To reduce the surfaces on which COVID-19 can be spread, our public restrooms are closed.
  • We’re no-contact banking. No handshakes, no hugs. Just smiles!

Hours may vary. When our doors, our branches will be operating on limited hours as follows:
  • Gibson, Montgomery, and West Alameda Branches
    • 9 am – 2 pm • Monday – Saturday
  • Base Exchange Branch
    • 9 am – 5 pm • Monday – Friday
    • Closed on Saturday
Starting June 8, Gibson, Montgomery, and West Alameda branches will return to normal operating hours. For current hours, click here.

We know everyday life with social distancing is hard on our members, because it’s hard on us, too! While operating with these precautions isn’t our ideal experience, it’s the best way to keep our community safe. If you cannot or choose not to wear a face covering, we are ready to help you at our drive-thru lanes, via telephone at 1-800-880-5328, and online through Online and Mobile Banking. Likewise, if any of the above protocols will cause you discomfort, we stand ready to help you over the phone, online, or in the drive-thru. We can’t wait to reopen, and we’re excited to be able to open up slowly, safely, while bringing you the service—if not yet the full experience—you deserve when you come see us.
 
We will continue to monitor the guidelines and recommendations set forth by the New Mexico Department of Health and the Center for Disease Control and act accordingly. Together, we’ll keep each other safe.
 
We can’t wait to see you!

COVID-19

Long a target of identity thieves and fraudsters, senior generations are becoming victims of COVID-19 related scams at an alarming rate.
Seniors are vulnerable to scams and identity theft for a number of reasons: 
  • They tend to be polite and trusting, especially over the telephone. 
  • These generations generally have good credit.
  • They also have more financial resources than younger generations.
  • And seniors are one of the fastest growing segments of social media users. 
The social changes and resulting uncertainty and fear we’ve all experienced in the past few months in response to the COVID-19 pandemic have a magnified effect on seniors. Thanks to social distancing, they may be isolated, lonely, and anxious about their health or that of their families, making them more likely to respond to an ad or email that promises virus protection, a miracle cure, or just plain human contact. If you’re a baby boomer or older, be aware of these scams.
 
The Numbers
We discussed the many varieties of COVID-19 related fraud and identity theft. These types of scams continue to be big business for thieves. As of May 25, 2020, the FTC has reported $40.13 million in losses from scams related to the coronavirus epidemic. 


And while there aren’t as many victims in the baby-boomer generation (and older age groups) as in younger generations, seniors lose significantly more money when they do become victims.



Fraud Protection
The good news is COVID-19–related fraud can be avoided with some good online hygiene. First and foremost, be alert. Don’t respond to or click on content containing any of the following known COVID-19–related scams:
  • Offers of coronavirus vaccines. There is no vaccine yet for the coronavirus, and when there is one, it will be offered through healthcare providers, not online.
  • Offers of vitamins or medicines that will prevent or cure COVID-19. Again, there is no proven protection or cure, and when there is, your doctor will have it.
  • Offers for COVID-19 testing that show up unsolicited online. If you want testing, talk to your healthcare provider.
  • Online claims that you have been exposed to someone with COVID-19 and need to sign up for testing. If this were true, you would be contacted directly by your doctor or local health department.
  • Messages claiming to be from the World Health Organization (WHO) explaining how to protect yourself from the coronavirus. The WHO does not communicate directly with individuals.
  • Unsolicited messages from the WHO, Centers for Disease Control (CDC) or other sources with coronavirus updates, maps, or other news. If you want current coronavirus information, visit the WHO, CDC, or your state health department’s website directly.
  • Messages offering special COVID-related Medicare benefits. The FTC says this fraud often offers a special “Coronavirus package.” If you have any questions about your Medicare coverage, you can get answers at www.medicare.gov/medicare-coronavirus.
  • Messages asking you to fill out a form to claim government stimulus money. The IRS is handling stimulus payments to taxpayers. It will never e-mail asking you to fill out a form online.
 
A key component to many of these scams are overt or implied threats if you don’t cooperate or offers that sound too good to be true. And trust your instincts! If you receive a message through e-mail or social media that seems to be from a friend or family, but seems out of character for them, don’t respond and don’t click any link.
 
And while it may not fall into the traditional definition of a scam, there are plenty of opportunists out there offering masks, cleaning supplies, and other necessities who may be out to make a larger-than-normal profit (price gouging). This is not only unethical, it’s illegal. When it comes to purchasing masks and other supplies, stick to trusted friends and associates.

Stay connected, but stay safe. Online and over the phone, it’s easy to pretend to be someone else. It’s okay to ask why and verify. And it’s also okay to hang up or delete!
 
If you believe you have been a victim of a scam, contact your financial institutions and notify the FTC

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