Your Money is Safe at M1FCU!

Your Credit Union accounts are safe & insured!

With the news media full of headlines about a struggling economy, the credit crisis, home foreclosures, the Fannie Mae/Freddie Mac failures, and collapses of established, high-profile Wall Street institutions, you're probably asking yourself: Are my Credit Union deposits safe? Rest assured, Modesto’s First Federal Credit Union remains a safe harbor for all your savings and other accounts.

In addition to our overall strength and stability, your shares are backed by the full faith and credit of the U.S. Treasury. For virtually all credit unions, the National Credit Union Share Insurance Fund (NCUSIF) insures savings up to at least $250,000 per account. Certain retirement accounts such as IRAs and Keoghs are covered separately up to $250,000.

Depending on how your accounts are set up, your funds can actually be insured to levels much higher than $250,000! For more information on credit union share insurance, visit:www.ncua.gov/ShareInsurance/Indexhtm.

Elder Abuse, What is it?

Elder abuse is any of the following:

• Physical Abuse: The infliction of injury, unreasonable confinement or punishment with resulting physical harm
• Psychological Abuse: The threat of injury, unreasonable confinement, and punishment or verbal intimidation/humiliation.
• Sexual Abuse: Sexual contact that results from threats, force or the inability of the person to give consent.
• Financial exploitation: An improper course of conduct with or without informed consent of the older adult that results in monetary, personal or other benefit, gain or profit for the perpetrator.
• Active neglect: The willful deprivation of goods or services, which are necessary to maintain physical or mental health.
• Passive neglect: The deprivation of goods or services, which are necessary to maintain physical or mental health.
• Self neglect: Not providing oneself with the basic necessities or care due to choice of lifestyle, physical or mental infirmity.

If you know of someone or a loved one involved in any of these types of abuse, contact your local Adult Protective Services Center. In Stanislaus County you can call 209-558-2637 or 800-336-4316.