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The Dos and Don'ts of Credit Repair

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Staying Healthy During Flu Season

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How Not to Bust Your Holiday Budget

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Member Discounts on a NEW Computer and Equipment!

Yes, that’s right - your credit union has partnered with CipherTek Systems, located at 1270 West Avenue Suite 104 Crossville, across from the Recycling Center. They now offer a 10% discount for UCFCU members on all their computer products! All you need to do is show them your membership card or Debit card to receive the discount. Call them today to start shopping for that new computer at 931-456-1327!

What Will EMV/Chip Credit and Debit Cards Mean for You?

The U.S. is poised to upgrade its debit and credit card (payment card) security systems in an effort to fight skyrocketing fraud costs. And while federal regulations already protect you, as a consumer, from liability for most fraudulent transactions a crook could make using your account, when payment industry participants are hit by fraud, everyone’s costs increase.

That’s why the U.S. industry is implementing EMV (Europay, MasterCard, and Visa) cards, which contain computer chips that authorize or validate payment-card transactions. We’re the last developed country in the world to do so. Here’s how the change will affect you:
  • You’ll receive an EMV card. This may happen when your current card expires or you might get a special reissue from UCFCU or other financial institution. UCFCU will start issuing chip credit cards in November 2015 and as our member’s credit card comes up for renewal. UCFCU EMV/Chip debit cards should become available in the first quarter of 2016. Card issuers have discretion about whether they’ll require you to use a signature when making payments or to use a PIN (personal identification number).
  • The transaction process will be slightly different. You’ll insert your EMV card in a POS (point-of-sale) terminal, wait for it to be authorized, and remove it. You’ll either sign a sales draft or key in your PIN to complete the transaction.
  • Other countries likely will stop accepting mag stripe cards after a certain date. You’ll need an EMV card when traveling abroad and international travelers in the U.S. will have the additional protection against counterfeit that EMV cards afford.
  • It’s possible that some merchants and card issuers may choose not to convert and will continue to use mag stripe technology for a time. Your card still will work at the point of sale and consumers will continue to be protected from fraud liability.
If you have questions about EMV cards and how they will affect you, contact the professionals at UCFCU. Stop by or call today at 931-484-9433.

For more information about the EMV/Chip Credit and Debit Cards Click here.

Click here for video instructions on using your new EMV/Chip Card.


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Upper Cumberland Federal Credit Union is federally insured by the National Credit Union Administration.
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