Texas Strong
Mobility Credit Union is proud to donate $500 to the El Paso Shooting Victims' Relief Fund.
Helping Families Move Forward
Whether you are selling your home or finding a new one, Mobility Real Estate Services is committed to a real estate practice that helps our members and all Texas residents. On average, when selling, you can save up to $6,500* or .50% credit at closing when buying.
*6,500 figure is based on average home price of $300,000.
Getting Preapproved for a Car Loan
A preapproval is conditional approval given to you from a lender with estimated terms — such as the amount of money you can borrow, the interest rate and loan term — to finance the purchase of a car. This loan quote makes it easier to estimate the total cost of the loan and to create a budget before you start shopping. A preapproval is a great way to let dealers know you’re a buyer who’s done your homework. Also, if you get preapproved, you won’t necessarily have to rely on dealer financing. This could give you greater negotiating power at the dealership, which can make the car-buying process less stressful. Contact us today to get preapproved for a rate as low as 3.49%*.
*Minimum APR (Annual Percentage Rate) of 3.49% applies. Rates vary based on length of term, age of vehicle, and your individual credit worthiness. Interest accrues from date of loan disbursal. Qualifying criteria applies. Rates and terms subject to change without notice.
Credit Webinar

Our credit webinar will take place on September 5, 2019 from 3:00PM to 5:00PM. Our seminar will explain: why you need credit, how credit works, how to establish credit, how to rebuild credit, and ways to bring up your score. We will have two sessions: one in English, and one in Spanish at a later date. A separate email will be sent with sign-up instructions.
Employee of the Month
Our July Employee of the Month is Stephen Collins. Stephen is a Dealer Relationship Representative and has been with Mobility Credit Union since 2018.
Things You Can Do to Avoid Fraud
Crooks use clever schemes to defraud millions of people every year. They often combine new technology with old tricks to get people to send money or give out personal information. Here are some practical tips to help you stay a step ahead.

  1. Spot imposters. Scammers often pretend to be someone you trust, like a government official, a family member, a charity, or a company you do business with. Don’t send money or give out personal information in response to an unexpected request — whether it comes as a text, a phone call, or an email. 
  2. Do online searches. Type a company or product name into your favorite search engine with words like “review,” “complaint” or “scam.” Or search for a phrase that describes your situation, like “IRS call.” You can even search for phone numbers to see if other people have reported them as scams.
  3. Don’t believe your caller ID. Technology makes it easy for scammers to fake caller ID information, so the name and number you see aren’t always real. If someone calls asking for money or personal information, hang up. If you think the caller might be telling the truth, call back to a number you know is genuine.
  4. Don’t pay upfront for a promise. Someone might ask you to pay in advance for things like debt relief, credit and loan offers, mortgage assistance, or a job. They might even say you’ve won a prize, but first you have to pay taxes or fees. If you do, they will probably take the money and disappear. 
  5. Consider how you pay. Credit cards have significant fraud protection built in, but some payment methods don’t. Wiring money is risky because it’s nearly impossible to get your money back. That’s also true for reloadable cards and gift cards. Government offices and honest companies won’t require you to use these payment methods.
  6. Talk to someone. Before you give up your money or personal information, talk to someone you trust. Con artists want you to make decisions in a hurry. They might even threaten you. Slow down, check out the story, do an online search, consult an expert — or just tell a friend.
  7. Hang up on robocalls. If you answer the phone and hear a recorded sales pitch, hang up and report it to the FTC. These calls are illegal, and often the products are bogus. Don’t press 1 to speak to a person or to be taken off the list. That could lead to more calls.
  8. Be skeptical about free trial offers. Some companies use free trials to sign you up for products and bill you every month until you cancel. Before you agree to a free trial, research the company and read the cancellation policy. And always review your monthly statements for charges you don’t recognize.
  9. Don’t deposit a check and wire money back. By law, banks must make funds from deposited checks available within days, but uncovering a fake check can take weeks. If a check you deposit turns out to be a fake, you’re responsible for repaying the bank.
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