✨ Rein in Your Auto Loan Rate this Holiday Season✨

New. Used. Buy. Refi.
Rates as low as 5.84% APR for up to 60 months—now that’s something to jingle all the way about!

Why drive with us?

• Flexible repayment terms tailored to your budget
• Up to 115% financing—go ahead, deck your garage!
• Fast, convenient approvals (because who has time to wait?)
• Convenient payment options—weekly, bi-weekly, or monthly
• Great low rates designed for your holiday wish list

Whether it’s your first set of wheels or the perfect holiday upgrade, we’ve got you covered!

Drive home your holiday cheer today! Apply Now!
Federally Insured by NCUA.

*Annual Percentage Rate. Available on vehicles 2022 – 2025. Advertised rate and LTV apply to A+ credit with a maximum term of 60 months. Repayment example: $15,000.00 loan at 5.84% for 60 months is $288.88 per month. Additional rates and terms may be available. All loans subject to credit approval, terms, conditions & membership eligibility. Rates and terms subject to change without notice. Insured by NCUA.

Safety Tips for Online Holiday Shopping

The holiday season is here, and while the deals are exciting, so are the scams! Many online shoppers are being targeted by fake websites that look just like popular retailers such as North Face, IKEA, Wayfair and more. These sites are designed to steal your credit card information and phone numbers, which can lead to future scams.

Protect yourself with these simple tips:

✔️ Check for “https” in the URL.
The “https” at the beginning of the URL is a sign the site is safe and encrypted. While not all scam sites lack this feature, it’s a quick and easy first step to spot potential fraud.

✔️ Use a credit card instead of a debit card.
Credit cards offer better fraud protection than debit cards. If you don’t have one, consider applying here.

✔️ Verify suspicious websites.
Use free tools like Google Safe Browsing Transparency Report to check if a website is flagged as unsafe, or Whois.com to learn who owns the site and how long it’s been active. A newly created website with an unusual owner could be a red flag.

✔️ Research reviews.
Search online for the site’s name followed by the word “scam” to see if others have reported issues or reviews before making a purchase.

Shopping online should be easy and stress-free. By following these tips, you can protect yourself and enjoy the season without falling victim to scammers. Stay safe, and happy shopping!

#ShopSmart #OnlineSafety #HolidayShoppingTips

Our Skip-A-Pay program lets you skip a monthly payment during November, December, or January on your qualifying loan.

When opting to skip, keep in mind:

HOW TO PROTECT YOURSELF AGAINST FRAUDULENT TEXT (SMISHING)

In an era where technology connects us more than ever, it’s crucial to protect your personal information. One way that fraudsters use to gain your personal information is through deceptive text messages. These fraudulent texts, often known as “smishing” (SMS phishing), can seriously threaten your financial well-being if not handled with caution.

Here’s what you need to know to protect yourself.

5 Signs Your Text Message Could Be Fake:

• Misspelled words.
• Letters that should not be capitalized.
• Incorrect grammar.
• Asking for personal information.
• A link that doesn’t look right.

7 Steps to Avoid Becoming a Smishing Victim:

• Don’t click on links in text messages from unknown senders. Even messages from people you know could be malicious.
• Never give out private or financial information.
• Verify requests from banks or businesses by contacting them directly.
• Watch for messages with non-mobile numbers. Scammers use email-to-text services to hide their identities.
• Don’t make quick decisions under pressure. Criminals use this tactic to manipulate you.
• Verify the source and do your research before responding to suspicious texts.
• If you receive a text saying we want to cancel your credit card, use the number on the back of your card to call. Don’t call unknown numbers given to you by texters.

Remember – One Vision Credit Union will not call, text, or email our members asking for personal information, account information, or passcodes.  You should always be skeptical of anyone asking for such information.  If the text message provides for you to respond to stop future texts, don’t do it. Sending such a message to a scammer merely alerts them that yours is an active phone number.

Of course, phone scams aren’t just limited to texting. Fraudsters may also call you impersonating your financial institution or other trusted source. Always be wary of incoming calls asking for personal information or passcodes.

What to Do if You Become a Victim of Smishing or a Fraudulent Phone Call

It may be hard to decipher a smishing attack, but if you fall victim, you should have a plan in place to help rectify the situation immediately.

• Report the suspected attack to your financial institution.
• Freeze credit cards to prevent fraudulent purchases.
• Change all passwords and account PINs where possible.
• Scan your mobile device for viruses using an anti-malware app.
• Monitor finances, credit, and various online accounts for unfamiliar activity.

Stay vigilant and informed to protect your personal information. Your proactive measures are crucial in maintaining a secure financial environment.

New Credit Score Tool

One Vision Credit Union is excited to announce our new credit score tool. This tool will allow you instant access to your credit score and credit report, along with personalized tips on how to optimize your credit score. This new financial education piece is available free of charge on our Online Banking platform.  Click here to learn more. 

Community Event Room

Event space. Gathering space. This is the Community Room.

Need to rent a room for your next corporate or social event? Our Clarksville office has a community room available for rent to anyone in the community, and at a discounted rate for members.

• Accommodates catered wedding rehearsal dinners, baby or wedding showers, birthday parties, business meetings and more
• Full kitchen, tables and chairs provided
• Projector and large screen available for use.

Rates

Our community room is reserved in 4 hour blocks.

To rent the community event room today, contact us today.