Beware of Unidentified Calls or Voicemails About Your Credit or Debit Card
If you receive an unidentified call or voicemail about your credit or debit card, and you believe it to be fraudulent, please hang up immediately and contact us at 800-475-1150. We are available to assist you.
Important Tips: Never provide your credit or debit card information to someone who calls you unsolicited. Be suspicious of any caller who asks for your personal information, such as your Social Security number or bank account number. If you are unsure about the legitimacy of a call, hang up and call us directly at 800-475-1150. We will never contact you to ask for your personal information. A message from Collins Community Credit Union will always include identification.
In honor of International Credit Union day, we thought we'd dispel four of the biggest myths about credit unions.
- They aren’t big enough.
There are big and small credit unions, but just like banks, your deposits at a credit union are insured by the federal government up to $250,000. At Collins Community Credit Union we participate in Shared Branching, which gives our members access to thousands of credit union branches across the country, and offer services such as online and mobile banking, and mobile deposit.
- It will be hard to access my money.
Credit unions have access to a network of 30,000 free ATMs and 5,000 shared branching locations, making it easy for you to access your money anywhere.
- I can’t join.
Anybody can join a credit union. You may be eligible based on your employer, where you live, or your family, as most credit unions allow members’ families to join. At Collins Community Credit Union, we are a community credit union, meaning that anyone who lives or works in Benton, Black Hawk, Boone, Bremer, Buchanan, Butler, Cedar, Clinton, Clayton, Dallas, Delaware, Des Moines, Dubuque, Fayette, Grundy, Henry, Iowa, Jackson, Jasper, Jefferson, Jones, Johnson, Keokuk, Linn, Louisa, Madison, Mahaska, Marion, Marshall, Muscatine, Polk, Poweshiek, Scott, Story, Tama, Warren, Washington and Wapello. Businesses located in any of these counties are also eligible for membership.
Membership can also be established through family and small employee groups. Any existing member's parents, children, grandparents, grandchildren, brothers, sisters, great grandparents, great grandchildren, aunts, uncles, nieces, and nephews may join Collins Community Credit Union regardless of if they're related by marriage or blood. A small employee group is a business within the community which allows their employees to become eligible for Collins Community Credit Union membership through employment.
- They don’t offer as many perks as banks.
Credit unions offer the same financial products as banks—checking accounts, debit and credit cards, online banking, IRAs (individual retirement accounts), and home and auto loans—but because they’re not-for-profit, they often offer better rates and higher dividends than banks.