TORCH THE - 1st Liberty Federal Credit Union
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THE
TORCH
A Publication of 1st Liberty Federal Credit Union
Vol 35 Issue 3 ■ www.1stliberty.org ■ Fall 2021
New Electronic Banking Features Coming Soon
W e are always looking for ways to improve our members’ experience and create a faster, easier way to bank.
That is why we have made a few changes to our electronic banking features and they’ll be arriving soon!
You can expect to see updates to our electronic loan applications, as well as the addition of online account open-
ing and loan prequalification.
We welcome all members to continue to utilize our branches and the services they offer. However, we understand
the need for banking on the go and the convenience that comes with it. Whether you’re at the office or unwinding
at home, you can submit a loan application or help a friend open an account
with the click of a button.
Did you know about other features within our 1st Liberty mobile app? You
can deposit a check remotely, check your account balances, pay a bill, transfer
money throughout your accounts, review loan balances and due dates, and so
much more! The app is available to download for free on the Apple App
Store and Google Play Store.
Operation Happy Holidays
Operation Happy Holidays is fast approaching, and we would like to invite you to help us support our troops
that are deployed from Montana. These service members are away from their families and homes during the
holiday season, and Operation Happy Holidays provides troops a small taste of home as well as shows our
gratitude for their sacrifices. Packages include items such as beef jerky and huckleberry taffy.
We will begin preparing the gift boxes with Montana items in November. If you would like to donate, please
make contributions payable to the following:
Operation Happy Holidays
C/O 1st Liberty FCU
P.O. Box 5002
Great Falls, MT 59403-5002
Safe Electronic Banking
O ctober is National Cyber Security Awareness
Month, so we want to provide you with tips
on how you can safely electronically bank and stay EMPLOYEE SPOTLIGHT
secure online.
We would like to congratulate and thank those employees
and volunteers who will be celebrating milestones in the
• Use strong and unique passwords.
fourth quarter of 2021. We appreciate your hard work and
You can do this by not sharing, reusing, or repeat-
loyalty and look forward to your continued contributions
ing passwords. Don’t use letters and numbers in se-
to the success of 1st Liberty FCU.
quence, and don’t use dictionary words. Instead, use
a mix of upper and lower case letters, and remember CONGRATULATIONS:
to regularly change your passwords.
Betty Rogers 25 Years
• Refrain from using public Wi-Fi networks.
Your personal information, such as your credit
union account, should not be accessed on a public NON-Visa Debit Transaction
Wi-Fi network. Alternatively, use your cell phone or
Disclosure
home network and clear the cache after use to re-
move the transaction records. 1st Liberty Federal Credit Union allows NON-Visa deb-
it transaction processing. We do not require that all such
transactions be authenticated by a PIN. A NON-Visa debit
• Utilize identity theft protection services.
transaction may occur on your 1st Liberty Federal Cred-
These continuously monitor your credit file and
it Union debit card/check card through the Accel and Visa
other databases, and will alert you of any changes.
Networks. Below are examples to help distinguish between a
Our Rewards Plus Checking Account comes with VISA debit and NON-Visa debit transaction.
IDProtect at no additional cost, and coverage can
protect all eligible family members, not just the ac- • To initiate a VISA debit transaction at the point of sale,
count holder. the cardholder signs a receipt, provides a card number (e.g.,
in e-commerce (internet), mail or telephone order environ-
• Don’t give out personal information. ments) or swipes the card through a point-of-sale terminal.
We will never call you to ask for personal informa-
tion. Be alert for scammers randomly calling you to • To initiate a NON-Visa debit transaction, the cardholder
request your User ID, password, account number, or enters a PIN at the point-of-sale terminal or, for certain bill
birthday. If you believe the call is fake, hang up and payment transactions, provides the account number for an
call your financial institution to verify and report e-commerce (internet), mail or telephone order transaction
after clearly indicating a preference to route it as a NON-Vi-
the scam.
sa transaction.
NON-Visa debit transactions will not provide the VISA zero
liability protection benefit.
Provisions of the cardholder agreement relating only to VISA
transactions are inapplicable to NON-Visa transactions.
www.1stliberty.org
HOLIDAY CLOSURES Outstanding Volunteer Service
COLUMBUS DAY: VETERANS DAY: Award
MONDAY, OCT 11 THURSDAY, NOV 11 The Steve and Penny Kubick “Have I Given Enough”
THANKSGIVING award is based on outstanding volunteer service and is
in recognition of exceptional service in support to mil-
THURSDAY, NOV 25 & FRIDAY, NOV 26
itary service members and their families in the Great
CHRISTMAS DAY: Falls community. The award was founded on behalf of
FRIDAY, DEC 24 & SATURDAY, DEC 25 Steve Kubick, 1st Liberty’s former President/CEO.
NEW YEAR’S DAY:
SATURDAY, JAN 1 Guided by a profound sense of duty, Steve and Penny
constantly searched for ways to improve the lives and
experience of military members and their families
International Credit Union Day who called Great Falls “home” for any period of time.
They conceived, designed, and implemented Operation
I
Happy Holidays, beginning the program in 1999 to en-
nternational Credit Union
sure deployed service members could feel the love and
Day (ICUD) is held annu-
support of the Great Falls community by sending them
ally on the third Thursday of
care packages. Steve and Penny were also a part of many
October to celebrate the cred-
community programs and events, along with serving in
it union movement. The day
countless positions to benefit others. Steve reflected in
raises awareness about credit
his later years regarding his life and asked the questions
unions and how they better of himself, “Have I done or given enough?” It is through
their communities in finan- his words and actions that this award transpired.
cial and social ways while strengthening relationships
among our members. This year’s theme is “Building finan- Dave Bertelsen, a truly deserving recipient who has
cial health for a brighter tomorrow.”TM This theme is reflec- displayed tremendous community involvment, is our
tive of how credit unions contribute to a brighter future by award winner for 2021. Dave is a local business owner
working to improve members’ financial well-being. in Great Falls, MT who has served on various organi-
zational boards, including the Military Affairs Com-
This year, ICUD will be celebrated on October 21st and 1st mittee and the Montana Defense Alliance. He has also
Liberty is proud to say we’ve been serving our members devoted his time to other community involvements to
for 66 years and counting! We want to say THANK YOU help the public and serve others. Dave, thank you for
for your continued support and trust in us, and for being your selfless contributions and dedication to our com-
a loyal member. munity!
Up to $2,500
Seasonal loans
are back!
9.90% APR/OAC*
Limited Time Only
*Annual Percentage Rate / On Approved Credit
www.1stliberty.org
We put YOU 1st
Mortgages up
as low as
to 10 years
financing 2.79 %
APR
No loan origination fee on 1st Liberty In-House Mortgage Loan Products with local servicing. Up to 90% loan to value based on credit history.
Membership and credit requirements apply. Based on a $50,000 loan, an example monthly payment would be $581.74 (8 years) or $478.00
(10 years). All payments are estimates and your final amounts may differ slightly. Payments do not include property taxes and insurance.
Not all applicants will qualify.
Local: 1-406-761-8300 ■ www.1stliberty.org ■ Outside: 1-800-824-0585
LOCATIONS
Robert H Scott Branch 10th Ave South Branch Riverview Branch Malmstrom AFB Branch
6200 3rd Avenue North 505 10th Avenue South 401 Smelter Avenue NE 228 75th St North Bldg. 1082
Great Falls MT 59405 Great Falls MT 59405 Great Falls MT 59404 MAFB MT 59402
Conrad Branch Cut Bank/Browning Branch Shelby Branch
202 South Main Street 310 West Main Street 121 1st Ave SE
Conrad MT 59425 Cut Bank MT 59427 Shelby, MT 59474
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