ATDFCU... At Your Service For Over 30 Years!

Features and Specials on the ATDFCU website

A Word From Your Board of Directors

NCUA Share Insurance Fund Information

In these uncertain financial times it is important for you, our members, to understand our share insurance coverage. Just as the Banking Community has the FDIC, Credit Unions have the NSIF, NCUA Share Insurance Fund. Insured shares are backed by the full faith and credit of the United States Government. NCUA protects the membership against losses should a federal credit union fail.

ATD Federal Credit Union is a very safe and sound institution. We have a Bauer Financial Rating (a company used to measure the rate risk, safety and soundness of Financial Institutions) of 5 stars, the highest rating given for over 20 years. We are very conservative with lending and investing YOUR funds, because they are also OUR funds.

The NCUA website offers resources to help you understand the Share Insurance Fund, and is found at http://www.ncua.gov/ShareInsurance/index.htm

There are three main sections to the above website:
Share Insurance Estimator
Enables calculating an estimate of share insurance coverage.
How Your Accounts are Federally Insured
Provides general information regarding share insurance coverage.
Your Insured Funds
Provides detailed explanation of share insurance coverage along with examples of account coverage.

ATDFCU Accounts Now Insured to $250,000!

Alexandria, Va., October 3, 2008 – The passage of the Emergency Economic Stabilization Act of 2008 will require NCUA to immediately increase share insurance protection to $250,000 on all types of Federal Credit Union accounts until December 31, 2009.

We've Moved!

6830 Via Del Oro, Suite 205, San Jose, Ca. 95119

Effective June 1st, 2007, your Credit Union relocated it offices to a convenient commercial location, not far from the previous Northrop - Grumman San Jose / Hellyer operation. Close to the intersection of Bernal and Via Del Oro, the voice and fax phone numbers remain the same.

Of course, in order to prevent delays in mail, make sure ALL your correspondence is sent to the new address!

Your credit union is here to serve you!

Saving Services, including Savings Accounts that pay quarterly dividends, Share Secured Loans, and Holiday Club Accounts.

Loans, including Auto, Truck, RV and Boat loans, both for new and used; Variable 2nd Mortgage Loans; Personal Loans, and more! ATDFCU closed end loans offer lower interest rates in most instances, with no prepayment penalties. Pre approved loans allow members to shop as 'cash customers', giving you extra leverage in closing the deal.

Membership to the ATDFCU is restricted to full or part time employees of the Northrop - Grumman San Jose / Hellyer operation, full or part time employees of EDORSS Corp, an employee of the ATD Federal Credit Union or an immediate or extended family member of an ATDFCU member.

Now Available: Direct Deposit! Remove a Worry from your Life: Direct Deposit your Social Security, Pension or Paycheck Directly into your ATDFCU Account! Direct Deposit ensures that your money is where you want it to be, when you want it to be. Use Direct Deposit to make signature or car loan payments or contributions to your Holiday Club account effortlessly! Make your life simpler today; all it takes is a call to the Credit Union to get signed up for this great, free time-saving service!   Everyday a New E-Mail Scam... Like Phishing, for example... Don't fall for the bait and become another Identity Theft Victim! Read On!! Archived Stories Beware Hurricane Katrina & Rita Donation Scams! See how to separate the good from the bad, and feel secure in your relief donation. Credit Unions And Banks - There Is a Difference! With proposed banking legislation frequently in the news, lets look at the mission of each institution.   When Disaster Strikes, What Do You Need? Reflections on Prepardness: the 10/31/07 Calaveras 'Quake' Updated 11/1/07   Check Your Credit History With Free Credit Reports! Thanks to the Fair and Accurate Credit Transactions Act of 2003 consumers can obtain the congressionally mandated credit report. see how in this article. This credit union is federally insured by the National Credit Union Administration			Holiday Club Account Get your holiday shopping list ready, property tax bills and insurance bills too! HOLIDAY CLUB funds will be coming to you soon! As usual, we're placing Holiday Funds in your regular accounts. Please contact the Credit Union by November 7th, letting us know if you'll be picking up your funds, having them mailed or simply left in your regular account. Do plan for your future holiday needs for the year 2009 by opening a Holiday Club account. Accounts can be opened from Nov. 17th thru Feb. 28th, 2009. Dividends are paid at maturity and withdrawals are not allowed. If you close the account before maturity no dividends will be paid. Need more information? Call the ATDFCU at 408-365-4444. NOW! 3 new pages with the information you need! Sound Financial Practices - Credit Cards, Auto Loans, 2nd Mortgages and more! Consumer Alerts! - Scams, Software Security 'holes' Online Security - Identity Theft, and Safe Operating Practices       Variable Rate Second Mortgages Don't pass up this chance - rates are starting to trend upwards. Generally you'll see this loan for 7.25%...but ATDFCU has al 5.00% APR rate available through December 31st, 2008! 5.00% APR 2nds, now up to $200,000 truly the Best Deal!   Managing Your Credit Credit scores are only part of the information that most lenders look, but it can make or break a deal. ATDFCU does not use the Internet to collect any information about it's members. Printer Friendly Page