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Online Mortgage Application Ready

There has never been a better time to apply for a mortgage… and now it is easier than ever.

We are proud to introduce our new online mortgage application! When you apply online, you enter our secure website to complete your application anytime at your convenience. A unique application is created for you in real time, based on your answers and personal situation. This is just one of the new features that makes our online mortgage application a simple, smart and efficient process. Other great features:

Rate Watch

This simplifies monitoring mortgage rates. Enter your target rate, and we will send you an email when our rates match your needs. You also have the ability to monitor rates daily, weekly, or monthly via our automated email updates.

Personalized Rate and Fee Quotes

We realize how important it is to have a detailed understanding of the costs of completing a mortgage transaction. Our online mortgage center will provide accurate fee and closing cost quotes – on the spot – based on the type of property and the mortgage product you select.

Online Approvals

If you are looking to purchase a new home and need a pre-approval letter quickly to submit a purchase offer, simply complete the pre-approval application online. The application will take less than 20 minutes from start to finish, and a pre-approval letter will be available to print immediately for qualified borrowers.

To get started, visit PittsfordFCU.org/apply. And, as always, our Mortgage Department's team of professionals are available to speak with you over the phone at (800) 836-8010 or in person (located downstairs in the Pittsford Office) during regular business hours to help you with any questions you may have.


 

Help Protect Your Identity

In an effort to safeguard your accounts, Pittsford FCU uses software that monitors account activity for potential fraud. When we identify anomalies, it is important that we are able to contact you by email or phone to verify a transaction.

You can help us protect your identity and ensure uninterrupted service by updating your information within Internet Banking. Once you've logged in, click the "Forms" link within the main menu bar. You may also call us during normal business hours at (800) 836-8010 or 624-7474.

Rest assured, Pittsford FCU respects your privacy and will not contact you unless we have important account information to communicate.

 

 

Helpful Tax Time Tools

TurboTax

Preparing your own taxes with TurboTax® is easy. Just log into Internet Banking at PittsfordFCU.org and click on the "My TurboTax" tab to get started.

E-filing

Electronic filing can save you time and get your refund deposited to your account more quickly. To ensure proper credit to the account you designate, use the account number listed on your statement and Pittsford FCU's R/T #222381918. If you have any questions call 624-7474 or visit PittsfordFCU.org.

eAlerts

Establish a direct deposit/withdrawal (ACH) alert to notify you when your tax refund or payment has occurred. Click on eAlerts within Internet Banking.

eTax Forms

Go paperless with eTax Forms. Click on eStatements within Internet Banking.

Free Tax Guides

Our free Income Tax Handbook is now available at both Pittsford FCU branches.

 

 

Time for Your Annual Credit Report Review

Regularly checking your credit report enables you to keep track of your debts as well as check for errors and identity theft. Under federal law, you are entitled to a free copy of your credit report from each of the three credit bureaus – Equifax, Experian, and TransUnion – once every 12 months. To obtain your reports, contact the Annual Credit Report Request Service at AnnualCreditReport.com or (877) 322-8228. You can get all three at once or stagger your requests throughout the year.

Not sure how to read your credit report? Interested in learning more about your credit history? Our partnership with BALANCE provides you with free financial education and counseling. Call (888) 456-2227 or log on to BalancePro.net for more information.

 

 

Mobile Deposit Now Available

Deposit checks on the go with the most recent Pittsford FCU Mobile App. Just tap the app and snap a photo of the front and back of your endorsed check. It's fast, secure and best of all – it's free.*

What to expect when making a Mobile Deposit:

  • The Mobile Deposit feature is available for checking accounts only.
  • Once you have successfully transmitted your check image, you will get an on-screen "Deposit Received!" message with an option to receive an email confirmation.
  • Please allow up to four (4) business hours for processing.
  • You will receive an email when your check image has been Accepted, Rejected, or Adjusted for deposit.
  • The maximum Mobile Deposit is $10,000.
  • Any Mobile Deposit amount over $2,500 per day is subject to a five (5) business day hold.
  • Safeguard the deposited item(s) for at least 30 days before securely destroying them.

Download our free app from the Apple App Store or Google Play and take advantage of Mobile Deposit and other Mobile Banking features today!

How to properly endorse your check:

 

 

Attention High School Seniors

Scholarship Application Deadline is January 25

For more information visit PittsfordFCU.org
or call us at 624-7474 or (800) 836-8010

 

 

IRA Changes Coming in 2013

Our IRA specialist, Pati Falzone, wants you to know that the Roth and Traditional IRA contribution limits have increased for 2013. The limit for 2012 was $5,000 and in 2013 it is $5,500. In addition, those age 50 and older can make a $1,000 catch-up contribution.

Check your records to see if you have maximized your 2012 contributions. If not, you have until April 15, 2013, to make a 2012 contribution. We can even work with you to set up automatic contributions to help make saving for retirement easier.

Of course, it is always a good idea to check with your tax advisor before making a contribution since Roth IRA contributions are subject to income limits and Traditional IRAs have income limits for deducting contributions.

If you have any questions about your Pittsford FCU IRA account please call (800) 836-8010 or 624-7474.

 

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Credit Union. All rights reserved.
Your savings Federally Insured to at least $250,000 and backed by the full faith and credit of the United States Government.  National Credit Union Administration, a U.S. Government Agency.