Why Masks are Important

Based on the best information we have, wearing face coverings helps prevent the spread of COVID-19. While face coverings may offer some protection for the wearer, they are meant to protect others. You could be infected and contagious and be unaware of it. Wearing a mask helps keep you from spreading the virus to others. Show your concern for others by wearing a mask.

As a sign of our commitment to keeping everyone healthy, we have required face coverings for everyone entering our building since we reopened our lobby. We will continue to do so until health officials advise otherwise.

Please remember to stay home if you or someone in your household feels ill, wash your hand regularly with soap and water, keep your distance, and wear a face covering whenever you are in public.

Thank you, Jim Yates

Celebrate Juneteenth

Juneteenth — also known as Freedom Day — has been a tradition in the United States for more than 150 years. The holiday finds its roots in Texas, where enslaved African-Americans in the city of Galveston were finally informed of their freedom on June 19, 1865, about two and half years after President Abraham Lincoln issued the Emancipation Proclamation on Jan. 1, 1863. Forty-seven states and the District of Columbia officially commemorate or observe Juneteenth; Texas, which made it a state holiday in 1980, was first to do so.

Juneteenth presents the perfect opportunity to explore black history and to start a discussion on race relations in America. Talking is a good start but don’t just talk. Make a real effort to make the world a better, more equitable place.

Lobby Now Open Regular Hours

Our lobby is once again open Monday through Friday 8:30am to 5:30pm. We are excited to take this big step toward getting back to business as usual. However, we are taking this step following the guidance of the Wyoming Health Department and as always, our top concern will be your health and the health of our other members and our employees.

We have deep cleaned our building, put up germ guards, and bought reusable-antibacterial masks for our staff. However, the design of our building makes social distancing difficult in our lobby. So, to protect everyone’s health, we will be wearing our masks and we expect you to be wearing a face covering, too.

As long as wearing a face covering is the recommendation of WHD, we will require anyone entering the credit union to wear one. If you do not have yours with you or you prefer not to wear one, please use the drive-up or call us. We will make arrangements to meet your needs.

Stay healthy – keep your distance and wash your hands.

Jim Yates, President

Moving Toward the New Normal – Updated 5/25/2020

In adherence to guidance set forth by the Wyoming Health Department and in support of the Greater Cheyenne Chamber of Commerce’s Safe to Work initiative, we are moving into our next stage of returning to normal operations. As always, our top concern will be your health and the health of our other members and our employees.

Beginning Tuesday– May 26th, most of our staff will be working in the office and we will be taking appointments for members to visit our office for most services. You can make an appointment by calling us at 307-432-7400. Our drive-up will continue to offer extended services including shared branching.

For the quickest service, please call ahead if you need a new card and for other more complex transactions. We will get everything ready for you before you arrive at our office. Whenever possible, please use our remote services. This is still the safest way to access your account.

We plan to reopen our lobby on Monday, June 1st. The reopening will be dependent on guidance from the Wyoming Department of Health and local health concerns. We will be following WDH guidance on social distancing when we open. Please help us keep everyone healthy by following the directions posted at our office. This will likely require everyone entering our building to wear a mask or other face covering.

Please let us know what you need. We are committed to being responsive to the needs of our members. Email ms@firstedfcu.com, text or call 307-432-7400.

Summer is coming and so is our return to serving our members in a more normal fashion.

Stay healthy – keep your distance and wash your hands.

Jim Yates, President.

Moving Toward the New Normal

Based on the change in the State-wide Health Orders made by Governor Gordon, we have made the decision to move toward more normal operations. This will be done in stages and in adherence to guidance set forth by the Wyoming Health Department and in support of the Greater Cheyenne Chamber of Commerce’s Safe to Work initiative. Throughout the process, our top concern will be your health and the health of our other members and our employees.

Beginning Monday – May 18th, we will allow more staff to return to work and start taking appointments for members to visit our office for a wider range of services. You can make an appointment by calling us at 307-432-7400. However, we encourage you to use remote services whenever possible. These are the safest way to access your account right now.

Get our mobile app by searching for AirTeller or First Education FCU in either the Apple Store or Google Play Store. Do internet banking at firstedfcu.com. Call or text us at 307-432-7400. Use almost any ATM and bank from your car Monday through Friday from 7:30am to 5:30pm and Saturdays from 9:00am to noon at our drive through. For the quickest service, please call ahead if you need a new card or for other more complex transactions. We will get everything ready for you before you arrive at our office.

To insure everyone stays healthy, we are sanitizing equipment and work areas throughout the day and performing additional cleaning in our building. To help with this, we are asking our staff & members to:
Avoid close contact – Please maintain 6 feet of space between yourself and others while in public including at the credit union.
Wear a mask – During this initial stage of our reopening, anyone entering the build will be required to wear a face covering. We have a limited supply so please bring one with you.
Cover coughs & sneezes – Remember to always cover your mouth and nose with a tissue when you cough or sneeze or use the inside of your elbow. Throw used tissues in the trash and wash your hands.
Stay home when ill – Please stay home if you or anyone in your household is feeling ill. You may be asked health questions before we allow you in the building.
Clean hands often – Wash your hands with soap and water or use hand sanitizer, especially after touching frequently used items or surfaces.

Our lobby will not be open for regular transactions in this first stage of our reopening. We anticipate that happening around May 25th. This will likely be with limited hours and will depend on guidance from health officials. As much as we would like to have our members back in our office, we do not want to risk anyone’s health.

Please let us know what you need. We are committed to being responsive to the needs of our members and have found innovative ways to get most things done remotely. Email ms@firstedfcu.com, text or call 307-432-7400.

Stay healthy – keep your distance and wash your hands.

Jim Yates, President

Social-Distancing-Friendly Car Buying at FEFCU

Through our partnership with Enterprise Car Sales, we’re pleased to offer our members a social-distancing-friendly way to purchase a vehicle.

Through April 30th, 2020, Enterprise is even running a special where anyone who purchases a used vehicle from them will get $700 back! (See Enterprise website for term conditions and details.)

After getting preapproved for your loan:

  • Visit the Enterprise Car Sales website and click the “Start Shopping” button
  • Enter your ZIP code and click the “Locate” button
  • On the left side of the screen, click the box that says “Do not show vehicles which have transfer fees”

Then, start shopping! 

Once you’ve found the vehicle you want, schedule your test drive. Enterprise will bring the vehicle to you, and if it’s love at first drive, we’ll take care of all the loan documentation remotely. 

For help getting started, or any questions along the way, reach out online or call us at (307) 432­-7400.

Payroll Protection Program

Funding for the Payroll Protection Program has been exhausted. Contact your members of Congress and encourage them to provide more funding for this program.

First Education is offering loans through the Payroll Protection Program (PPP). We have funded loans and are comfortable with the process. If you are interested in applying for a PPP loan email loans@firstedfcu.com and we will contact you. Information on PPP can be found at https://www.sba.gov/funding-programs/loans/coronavirus-relief-options/paycheck-protection-program-ppp.

The documentation we will require from you are a completed PPP application, the company’s FORMs 941 for 2019, FORM W-3 for 2019, and FORMs W-2 for all employees for 2019.

CARES Act Stimulus Payment

The first wave of CARES Act stimulus payments will be posted to accounts on April 15. Did you get yours? Look for a transaction with the description “TAX REF”. Click HERE for the latest information from the IRS.

Beware of stimulus payment and other coronavirus scams. Only get your information from reputable sites. Do not trust information from social media sites. Click HERE for information on how to avoid coronavirus scams.

Beware of Coronavirus Scams – UPDATED 4/24/2020

The global pandemic has not only caused health and economic issues, but also opened uncertain American’s up to a host of fraud. Everything from fake COVID home-tests and cures to emails claiming to be from the IRS, American’s are under attack by criminals looking to steal identities and make a quick buck at your expense.

The Federal Trade Commission recently reported that already nearly $13 million has been stolen from victims, with a median loss of $570 per person who reported the fraud (FTC, April 12, 2020). It’s likely some victims didn’t report their losses so that figure could actually be much higher.

Here are a few things to watch out for:
Communication claiming to be from the IRS: Whether by phone, text or email, fraudsters are impersonating the IRS claiming they need you to verify your identity, requiring you to provide account information, or even claiming you owe taxes on your stimulus payment. They threaten that if you do not give them the information, you will be arrested or will not receive future payments. In another twist of this scam, people are told to go to a certain website, download an app from the site to pay taxes immediately.

Cures and home testing kits: Be cautious of anyone selling products that claim to prevent, treat, diagnose, or cure COVID-19. In recent cases, scammers reportedly contacted people by phone or email claiming to be from the CDC. The caller claimed to have approved products to reduce infection risks or that home testing kits were now available.
In other cases, people were told that the caller was from Medicaid and if the victim didn’t agree to pay for cures or tests that their policy would be cancelled. The catch – you have to provide your account details or credit card number immediately as “supplies are very limited.” Each victim had their account debited as a result, and of course nothing was delivered.

Phishing: Emails or text messages aimed at getting you to 1. Divulge personal information, like your social security number, 2. Provide account or credit card information, and/or 3. Click links or download attachments that can infect your computer. Phishing runs the gambit, but there are a few indicators you’re being phished:

• It is an unsolicited email or text, and from a group you do not do business with
• It claims to be from a federal agency like the FBI, IRS, or CDC
• It demands quick action (they don’t want you to talk to anyone about it and learn it’s a scam!) – this demand is complete with a threat. For ex: If you don’t click the link within 24 hours and provide your account details, you will not receive a stimulus payment!

What you can do:
• Stay sharp! With so many of us turning to the internet to work, provide homeschooling for kiddos or even just occupy our time, fraudsters are looking to take advantage of you.
• Remember that the IRS will not contact you via email, text or thru social media asking for personal or account information.
• Just hang up! If you are uncertain, you can contact the agency directly to determine if someone from there was really trying to contact you. For example, you can contact Medicaid or the IRS directly.
• Don’t supply personal information or account details unless you initiate the conversation.
• Do your research. Soon after people started receiving text messages claiming Costco was giving away $5,000 gift cards, it was in the news and available for all to see that it was a scam.
• If in doubt, contact someone like your financial advisor, local police department, or Credit Union. They will help you uncover if it sounds like a scam.
• If you provided your identity or account details to anyone and now think it was a scam, contact your Credit Union immediately!
• Delete the email or text and do not click the links contained in it. This is how fraudsters often infect your devices and steal information.
• Report actual or attempted fraud to the Federal Trade Commission. The link is on their website.

Learn more:
• TIGTA: https://www.treasury.gov/tigta/contact_report_scam.shtml
• FBI: www.fbi.gov
• Federal Trade Commission: https://www.ftc.gov/coronavirus
• CDC: https://www.cdc.gov/media/phishing.html
• IRS: https://www.irs.gov/newsroom/tax-scams-consumer-alerts

Finally, always check the facts with a reliable source. Never rely on information on a social media site.

Coronavirus Statement.

READINESS INFORMATION

Updated April 12, 2020

Stay Home, Stay Safe, & Stay Healthy

Your credit union is doing its part to keep you, our staff, and our community healthy while continuing to provide the financial services you need. Many of our employees are working from home but they have full access to our systems and calls are being forwarded to them. We are ready to help with your financial needs. Contact us by phone at 307-432-7400, email us at ms@firstedfcu.com, or text us at 307-432-7400. Lending questions can be emailed directly to loans@firstedfcu.com or by text to 307-432-7422.

We anticipate no interruption of our core services. We have partnered with leaders in the financial services industry for our core products. They include the Federal Reserve Bank, Jack Henry & Associates, and COOP Financial Services. They all have robust and well tested business continuity plans. There is no indication the US utilities infrastructure will be impacted by COVID-19.

Your funds are safe, too. Your deposits at the Credit Union are insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the United States. Go to ncua.gov for more information about your coverage.

Use Remote Services When Possible

To comply with the health order issued by Gov. Gordon, we encourage you to stay at home and use our remote services. Our home banking system, NetTeller, and mobile banking app, AirTeller, give you access to your account without the need to come to the credit union. If you are not yet set up for our remote services, contact us.

Our drive-up is open regular hours but expect longer wait times. Due to social distancing guidelines, only one person at a time will be working the drive-up. To avoid the wait, put deposits in the night-depository. It is built in to the south-east corner of the building next to the drive-up window. You can also mail them to us or use any deposit taking ATM. Deposits at ATMs will automatically be placed on hold. Contact us to have the hold released.

Non-employees will be allowed in the credit union only when absolutely necessary. Before coming to the credit union, contact us for an appointment and carefully consider your need to enter our building. Again, most transactions can be completed without the need for close personal contact. You must give us the reason you need access when you make the appointment. You may also be ask about your current health status and that of all individuals in your household. This is to protect your health and that of our staff.

Limit Your Use of Cash

Social distancing guidelines strongly recommend against the use of cash. Many businesses including some restaurants and the City of Cheyenne have stopped accepting cash. If you decide you must have cash, please use an ATM. If would need a higher daily withdrawal limit, contact us. Find an ATM near you with this link.

Let Us Help

Whether it is with normal business or concern about what the pandemic will do to your income, we are here for you. The Families First Coronavirus Response Act” (H.R. 6201) and the Coronavirus Aid, Relief and Economic Security (CARES) Act have been approved by the US Congress. This will protect the income of most families but we are prepared to work with any member whose income is reduced by current events. This includes not only payments on your loans with us but ensuring you have money for living expenses, too. We understand the anxiety surrounding this uncertainty, but please talk with your employer and understand their plans before contacting the credit union. We can best help you when we know the facts.

Get Information from Reliable Sources

For the latest information on how to keep you and your family safe, use only the most reliable source. The US Centers for Disease Control & Prevention (CDC) is the best place to get the information you need to stay healthy. Do not rely on information from social networking sites.

Be Confident Things Will Get Better

We live in a strong, caring community. Just like your credit union will be with you for financial services, your family, friends, and neighbors will be there to help with everything else.

Stay Home, Keep Your Distance, and Wash Your Hands

Any additional actions will be posted to our website and our social media pages.

Contact Information

Phone – 307-432-7400
General Email – ms@firstedfcu.com
Lending Email – loans@firstedfcu.com
General Text Messages – 307-432-7400
Lending Text Messages – 307-432-7422