YEAR-END AUTO-LOAN INTEREST DISCLOSURE (2025)
In accordance with recent IRS guidance under the One, Big, Beautiful Bill (OBBB) Act, your total interest paid on qualified auto loans during calendar year 2025 is available on your 12/31/2025 year‑end statement. If you are enrolled in e-statements, you can view this information in online banking under Documents.
- Look for "Interest Charged YTD" on your 12/31/2025 statement.
- Keep this amount for your records; some taxpayers may need it when preparing 2025 returns.
Important: This communication is for general information only and is not tax advice. Eligibility for any deduction depends on your individual circumstances. Please consult a qualified tax professional for guidance on your tax return.
For assistance accessing your statement, call or text us at 662-434-6052 or visit any branch.
NEW! PAYMENT REMINDERS VIA TEXT
Members now receive secure text reminders before their loan due date. These messages include a link that lets you make a payment instantly from an account at another financial institution for a convenience fee of $8.
If you prefer to pay from a TFCU account, simply log in to Online or Mobile Banking and use the Transfer feature - there’s no fee for this option.
Why you'll love it
- No more late fees
- Quick, easy payments
- Safe and secure reminders
If you ever have questions about this new service or want to verify the legitimacy of a text that appears to be from Triangle FCU, please call or text us at 662‑434‑6052 (choose Option 8 if you are calling).
PROPERTY FOR SALE
Click here to see credit union-owned property currently for sale.
IMPORTANT FRAUD ALERT - SPOOFING SCAMS
We want to make you aware of an increase in spoofing fraud, a scam where fraudsters disguise themselves as trusted organizations—such as Triangle FCU—by manipulating caller ID, phone numbers, emails, or text messages to appear legitimate.These fraudsters may claim there is suspicious activity on your account or claim they need to verify your identity for a loan or credit card application you did not submit. This is a common tactic used to pressure you into sharing sensitive information such as your online banking credentials, one-time passcodes, debit card numbers, or Social Security number.Please remember:
- Your credit union will never ask for your full online banking password, PIN, one-time pass codes, full Social Security number, or other personal information.
- Do not click on links or open attachments from unexpected emails or text messages.
- If you receive a call, text, or email that seems urgent or suspicious, do not respond directly.
If you are unsure about a communication claiming to be from Triangle FCU, hang up and contact the credit union using the phone number listed on our official website, your statement, or the back of your debit card.If you believe you may have shared information or been targeted by a spoofing attempt, please contact us immediately so we can help protect your account.Your security is our top priority, and we appreciate your support in staying alert and informed.
NOTICE: BEWARE OF EXTORTION EMAILS FROM SCAMMERS
We are issuing this important notice to raise awareness regarding a recent increase in extortion scams through email. Cybercriminals are sending fraudulent messages in which they falsely claim to have compromising information or access to private data. They may demand payment, often in cryptocurrency, and use intimidation tactics to pressure recipients into compliance.
Please keep the following guidelines in mind to protect yourself:
1. Do Not Respond or Engage: Avoid replying to these emails or following any instructions they provide. Engaging may encourage further attempts.
2. Do Not Send Payment: Scammers often rely on fear to extort money. Remember, sending payment typically leads to additional demands rather than resolving the issue.
3. Report Suspicious Emails: Notify the police immediately if you receive an extortion email. This will help monitor and address any potential threats.
4. Maintain Strong Security Practices: Regularly update your passwords, enable two-factor authentication, and be cautious when sharing personal or financial information online.
Remember, these emails are part of a larger scam, and following these guidelines can help protect yourself and your personal information. If you have any questions or concerns, please do not hesitate to contact us.
FAKE CHECK SCAMS
If you receive a check that you were not expecting, whether that check is drawn on Triangle FCU or another financial institution, we encourage you to contact the financial institution to verify the authenticity of the check before you attempt to deposit or cash it. Visit this link, AARP, to learn more about fake check scams.
UPDATE: Criminals are now sending fake checks via email, then instructing recipients to print the check and use remote deposit to deposit the check to their account. Once the check has been deposited, the criminal attempts to steal the funds before the financial institution can discover that the check is a fake, leaving the recipient with a negative balance. Please be aware that legitimate checks will not be delivered via email and no legitimate source will instruct you to deposit the check in this manner.
CRYPTOCURRENCY SCAMS
At TFCU, we are always looking for ways to help and protect our member-owners. As such, we would like to make you aware of scams involving cryptocurrency.
If someone ever contacts you for any reason and requires or demands payment in the form of cryptocurrency such as Bitcoin, they are lying to you and trying to steal from you.
Only scammers demand payment in cryptocurrency.
To learn more about how to protect yourself and your loved ones from this type of fraud, we encourage you to read the article What To Know About Cryptocurrency and Scams located on the Federal Trade Commission website.
Please share this information with your family and friends. Let's work together to keep everyone safe from financial crime.
SECURITY ALERT!
Please be aware that TFCU will not call, text, email or otherwise contact you to request personal or banking information, nor will we send you a text or email prompting you to click a link. If you are contacted by someone claiming to be a TFCU representative, do not provide personal information including your social security number, date of birth, debit card number, CVV number, etc.
Even if caller ID or other sender information displays a TFCU contact, do not provide the sender with any personal information. Technology has made it possible for criminals to "spoof" any phone number or email, making it look as though you are receiving contact from a known person or business. Remember, TFCU will not call you to request personal information. If you receive any contact that seems suspicious, end that contact immediately and call us directly at 662-434-6052 or visit any location to tell us about the contact you received.
When you contact us, we may ask you a series of security questions that are intended to confirm the identity of the person with whom we are speaking. Just as a criminal might impersonate a TFCU employee when they contact you, they may also impersonate a TFCU member when they contact us. Protecting your personal and financial information is our top priority. We encourage members to provide us with a secret password or passcode as an additional way for us to verify your identity.
If you have questions or concerns regarding phone calls, emails, or any other communication related to your business with TFCU, please call us at 662-434-6052, option 8, or visit your nearest branch.
For additional information concerning scams and fraud, visit the AARP website.
"The real job of a credit union is to prove, in modest measure, the practicality of the brotherhood of man."
- Roy Bergengren, pioneer of the United States credit union movement.