Guarding Your Finances: How to Take Swift Action Against Credit Card Fraud
Credit card fraud can be a distressing experience for anyone, but knowing your rights and taking immediate action is crucial to minimize its impact. This article will guide you through the steps to report credit card fraud and proactive measures to protect yourself from future incidents. Read More!
Elevate Your Spending Experience with Visa® Rewards.
Get the most out of your credit card with our Visa® Rewards Credit Card. Designed to cater to your everyday purchases, balance transfers, and consolidations, it allows you to choose how you want to be rewarded. With its sleek design and advanced features, this card empowers you to take control of your finances and enjoy a seamless payment experience.
Features:
-
- No Annual Fee
- No Balance Transfer Fees
- The same low rate for everyday purchases and cash advances
- Earn bonus points for every dollar you spend and get rewarded with our loyalty rewards system, ScoreCard
- 24/7 fraud protection
- Contactless Payment Options are available
- Security and Protection with Visa's Zero Liability Policy1
- 24-hour toll-free customer service
- EMV chip-enabled for enhanced fraud protection
- Integrated with Android Pay, Apple Pay, and Samsung Pay
Comprehensive Coverage and Support:
-
- Auto Rental Insurance
- Warranty Registration
- Warranty Protection
- Extended Service Agreements
- Travel and Emergency Assistance
- Travel Accident Insurance
Reward Yourself: Discover the Power of ScoreCard.
TENCU Visa® Platinum Credit Card is more than just a payment tool—it's a gateway to a rewarding lifestyle. You can unlock possibilities with ScoreCard, our exclusive rewards program. Earn bonus points with every credit card purchase and redeem them for exciting rewards.
Discover a range of enticing options at ScoreCardRewards.com, where you can create an account and explore a captivating collection of merchandise and travel rewards:
- Merchandise: Indulge in the latest electronics, home goods, personal items, and more from renowned brands like Apple®, Michael Kors®, Samsung®, Bose®, Black & Decker®, Pandora®, Nike®, Ray-Ban®, Keurig®, Weber®, and many others.
- Travel: Elevate your adventures with top-notch accommodations, flights, car rentals, and cruises. Wherever your wanderlust takes you, your bonus points can help you get there.
- Daily Wins: Experience the thrill of winning fabulous prizes at Daily Wins. Spend just a few points to enter and discover a wide selection of electronics, gift cards, home goods, and more. Exciting new items are added every day!
- Fuel Discount Award: Maximize your savings by using bonus points to receive discounts on fuel purchases at participating gas stations. Fill up your tank and your wallet.
- Gift Cards: Treat yourself or share the joy with gift cards from popular retailers like iTunes®, Xbox LIVE®, or movie tickets. The choice is yours.
- PayPal Rewards: Shop easily online and redeem points at checkout when you pay with PayPal. Enjoy the convenience and the added rewards.
Why carry cash and checks? All you need is your Visa® Rewards Credit Card.
Rebuild and Empower with Our Secured Credit Card.
Our Secured Credit Card is specifically tailored for individuals with limited or no credit history and those embarking on a journey to rebuild their credit scores. At TENCU, we firmly believe in providing opportunities for everyone to achieve their financial goals. Our Secured Credit Card is a valuable tool to help you pave the way toward a brighter financial future.
With our Secured Credit Card, you have the power to rebuild and empower your financial journey. Take control of your credit and embrace a brighter future with TENCU.
Features:
-
- No Annual Fee
- No Balance Transfer Fees
- The same low rate for everyday purchases and cash advances
- Earn bonus points for every dollar you spend and get rewarded with our loyalty rewards system, ScoreCard
- 24/7 fraud protection
- Contactless Payment Options are available
- Security and Protection with Visa's Zero Liability Policy1
- 24-hour toll-free customer service
- EMV chip-enabled for enhanced fraud protection
- Integrated with Android Pay, Apple Pay, and Samsung Pay
Don't let a limited credit history hold you back.
Important Information if you are traveling out of the U.S.
If you plan to use your TENCU credit card on a trip outside the U.S., please contact us at 1-844 -468-3628 at least three days before your departure. TENCU has measures to safeguard your card from fraud and help ensure you continue to enjoy safe, uninterrupted transactions on your trip.
Important Phone Numbers:
Credit Card Help Desk: 1+855-485-7048
Lost/Stolen Credit Cards: 1+866-839-3485
To Report Lost or Stolen CREDIT CARD (Visa®), please call: 1-800-600-5249
1Visa’s Zero Liability policy does not apply to unauthorized transactions on prepaid cards for which Ten Credit Union has not collected the cardholder’s personal information prior to the transaction or to certain commercial card transactions. The rate cannot fall lower than 13.65% APR and will not exceed 18% APR. The borrower’s rate will not be below the qualifying rate based on the term. Cardholders must use care in protecting their card and notify Ten Credit Union immediately of any unauthorized use. Cardholders should contact Ten Credit Union for additional details.
2Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications. Not all applicants will qualify for the lowest rate. All rates and terms are subject to change. Membership with Ten Credit Union is required to obtain a credit card. With Visa's Rewards Credit Card (ScoreCard), earn one point for every dollar spent. Certain other restrictions may apply. Refer to your credit card disclosure.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Auto Loans
Effective Date: January 22, 2024
Longer terms are available.
Loan Type | Annual Percentage Rate1 Starting At | Months |
---|---|---|
2019 - Current New or Used Auto |
6.24%2 | 63 |
2014 - 2018 Used Auto |
7.24%2 | 48 |
2013 - Older Used Autos |
8.24%2 | 48 |
1Annual Percentage Rate (APR) on Loan Accounts, effective January 22, 2024. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2The Base Annual Percentage Rate (APR) is the advertised rate and can vary based on creditworthiness, vehicle age, mileage, and loan terms. Financing up to the retail value of the auto is available. Visit a Ten Credit Union branch or call 1-844-468-3628 to speak with a loan officer to determine the rate you qualify for. Speak with a loan officer to discuss options and choose the rate you are eligible for.
For example, 10,000 borrowed at 6.24% APR for 60 months = $194.45/month.
Believe It! Money Market Rates
Effective Date: February 1, 2024
Minimum to Open | Term | Annual Percentage Rate1 | Annual Percentage Yield2 | Dividends Credited3 |
---|---|---|---|---|
$2,500.00 | Daily | 0.10% | 0.10% | Monthly |
1 Annual Percentage Rate = APR. The cost you pay yearly to borrow money, including fees, is expressed as a percentage. The APR is a broader measure of the cost of borrowing money since it reflects the interest rate and the fees you must pay to get the loan. Annual Percentage Yields may vary. Maintenance or activity fees may reduce earnings. Prime-tiered rates will be earned on the account's entire balance.
2 Annual Percentage Yield = APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
3 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Boat Loans
Effective Date: December 20, 2023
Loan Type | Annual Percentage Rate1 Starting At |
Months |
---|---|---|
2023 - current New |
8.49%2 | 48 |
2018 - current Used |
8.99%2 | 48 |
2013 - 2017 Used |
9.99%2 | 48 |
1 Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. Offer does not apply to loans currently financed with Ten Credit Union.
Certificate & Investment Rates
$500 Minimum to Open
Effective Date: February 1, 2024
Term | Annual Percentage Rate1 | Annual Percentage Yield2 |
Dividends Credited3 |
---|---|---|---|
91 Days (3 Month) | 0.55% | 0.55% | Quarterly |
182 Days (6 Month) | 1.10% | 1.10% | Quarterly |
7 Month | 1.20% | 1.20% | Quarterly |
9 Month | 1.29% | 1.30% | Quarterly |
12 Month | 1.54% | 1.55% | Quarterly |
18 Month | 1.74% | 1.75% | Quarterly |
24 Month | 1.99% | 2.00% | Quarterly |
36 Month | 2.67% | 2.70% | Quarterly |
48 Month | 2.67% | 2.70% | Quarterly |
60 Month | 2.67% | 2.70% | Quarterly |
1 Annual Percentage Rate = APR. The cost you pay yearly to borrow money, including fees, is expressed as a percentage. The APR is a broader measure of the cost of borrowing money since it reflects the interest rate and the fees you must pay to get the loan.
2 Annual Percentage Yield = APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
3 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Checking
Effective Date: February 1, 2024
Product | Annual Percentage Rate1 | Annual Percentage Yield2 | Minimum to Open | Minimum to Earn Dividends | Dividends Credited3 |
---|---|---|---|---|---|
Experience Checking | 0.30% | 0.30% | $5.00 | $10,000 |
Monthly |
Free Checking | 0% | 0% | $5.00 | $0.00 | |
Restart Checking | 0% | 0% | $5.00 | $0.00 |
1 Annual Percentage Rate = APR. The cost, including fees, of borrowing money yearly is expressed as a percentage. The APR is a broader measure of the cost since it reflects the interest rate and the fees you must pay to get the loan.
2 Annual Percentage Yield = APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
3 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at the end of which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Mortgage & Home Refinance Loan Rates
Call us for our current low rates: (615) 244-1910.
1 Annual Percentage Rate = APR is a variable based on an index plus a margin. APR is based on the evaluation of the applicant’s credit qualifications and associated LTV ratio. Available on new HELOCs only. Your actual APR may vary. All balances will accrue interest at the variable APR in effect for your account. The variable APR, as low as 4.25% APR, is based on the Prime Rate as disclosed in the Wall Street Journal, plus or minus a margin based on your credit history. The variable rate is subject to change each quarter thereafter, as stipulated by your original terms and conditions. The maximum APR is 18%. All rates and offers are current as of April 4, 2020, and subject to change without notice. Other conditions may apply. Advance amounts must be within your existing credit limit. You may not pay off or make payments to other Ten Credit Union loans, credit cards, or accounts with these proceeds. Membership with Ten Credit Union is required to obtain a loan. Please get in touch with us for more information.
Motorcycle Loans
Effective Date: December 20, 2023
Year | Annual Percentage Rate1 Starting At |
Months | |
---|---|---|---|
2023 - Current > 3,000 miles New |
8.49%2 | 48 | Longer terms available |
2018 - Current Used8 |
8.99%2 | 48 | Longer terms available |
2013 - 2017 Used |
9.99%2 | 48 | Longer terms available |
1 Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 Annual Percentage Rate (APR) is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. The offer does not apply to loans currently financed by Ten Credit Union.
Personal Loans
Effective Date: December 20, 2023
Loan Type | Annual Percentage Rate1 Starting At |
Months | |
---|---|---|---|
Signature (Personal) | 11.49%2 | 24 | Longer Terms Available. |
Personal Line of Credit | 13.65%2 | ||
Certificate Secured | Starting at Deposit APY + 2.00% | 36 | $3,000 Minimum Amount. Longer Terms Available. |
1 Annual Percentage Rate (APR) on Loan Accounts, effective February 2023. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 Rate and term are based on the evaluation of the applicant’s creditworthiness. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Offer is subject to change without notice. Membership with Ten Credit Union is required to obtain a loan. A 60-day deferral of the first payment is available on this loan. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 60-day deferral program is subject to change at any time.
Prime Money Market Rates
$10,000.00 Minimum to Open
Effective Date: February 1, 2024
Tier Level | Annual Percentages Rate1 |
Annual |
Dividends Credited3 |
up to $2,499 | 0.10% | 0.10% | Quarterly |
$2,500 | 0.25% | 0.25% | Quarterly |
$10,000 | 0.30% | 0.30% | Quarterly |
$25,000 | 0.35% | 0.35% | Quarterly |
$50,000 | 0.40% | 0.40% | Quarterly |
$100,000 | 0.45% | 0.45% | Quarterly |
$300,000 | 0.50% | 0.50% | Quarterly |
1 Annual Percentage Rate = APR. The cost, including fees, of borrowing money yearly is expressed as a percentage. The APR is a broader cost measure since it reflects the interest rate and the fees you must pay to get the loan.
2 Annual Percentage Yield = APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
3 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
Recreational Vehicle Loans
(Marine, RVs, Campers, ATV, and UTVs)
Effective Date: January 22, 2024
Loan Type | Annual Percentage Rate1 Starting At |
Months | |
---|---|---|---|
2023 - Current | 8.49%2 (New) | 48 | Longer terms are available. |
2019 - Current | 8.99%2 (Used; Refinance) | 48 | Longer terms are available |
2014 - 2018 | 9.99%1 (Used; Refinance) | 48 | Longer terms are available |
2013 - Older | 9.99%1 (Used; Refinance) | 36 | Longer terms are available |
1 Annual Percentage Rate = APR on Loan Accounts, effective January 2024. All rates and terms are subject to change. Rates and terms are subject to individual credit approval. Please call 1-844-468-3628 or visit your local branch for additional information.
2 Annual Percentage Rate = APR is based on the applicant's credit history and credit qualifications, the age of the vehicle, and the terms of the loan. Not all applicants will qualify for the lowest rate. Rates and terms are subject to change and may be withdrawn anytime. Other conditions and restrictions may apply based on the recreational vehicle to be financed. Ask your Ten Credit Union loan officer for specific information. Membership with Ten Credit Union is required to obtain a loan. The offer does not apply to loans currently financed by Ten Credit Union.
Share Certificate Promotions
Effective Date: March 11, 2024
Annual Percentage Yield1 |
Term | Minimum to Open | Dividends Credited2 |
---|---|---|---|
4.75% | 5 Month3 | $10,000.00 | Quarterly |
4.25% | 7 or 9 Month4 | $5,000.00 | Quarterly |
1 APY = Annual Percentage Yield. APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
2 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at the end of which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
3 After the maturing term for the 5-month share certificate and rate, the share certificate will roll over to a 6-month share certificate at the then current market rate, respectively. This promotion is for new money and requires a minimum opening deposit of $10,000.
4 After the maturing term for the 7-month share certificate and rate, the share certificate will roll over to a 7-month share certificate at the then current market rate, respectively. 4 After the maturing term for the 9-month share certificate and rate, the share certificate will roll over to a 9-month share certificate at the then current market rate, respectively.
Shares Rate Schedule
Effective Date: February 1, 2024
Product | Annual Percentage Rate1 | Annual Percentage Yield2 | Minimum to Open | Minimum to Earn Dividends3 | Dividends Credited4 |
---|---|---|---|---|---|
Share Savings | 0.10% | 0.10% | $5.00 | $250.00 | Quarterly |
Christmas Club | 0.15% | 0.15% | $0.00 | $100.00 | Quarterly |
Summer Fun | 0.15% | 0.15% | $0.00 | $100.00 | Quarterly |
IRA Accumulation | 0.20% | 0.20% | $100.00 | $250.00 | Quarterly |
Roth IRA | 0.20% | 0.20% | $100.00 | $250.00 | Quarterly |
1 Annual Percentage Rate = APR. The cost, including fees, of borrowing money yearly is expressed as a percentage. The APR is a broader measure of the cost since it reflects the interest rate and the fees you must pay to get the loan.
2 Annual Percentage Yield = APY is subject to change without notice. Early withdrawal penalties may apply. Membership with Ten Credit Union is required to open a certificate. After the certificate matures, the certificate will automatically renew at the current rate unless you indicate otherwise. Withdrawal of dividends before maturity will reduce earnings. See Share and Investment Rate Schedules for all other applicable terms.
3 Dividends are earned quarterly and calculated using the average daily balance method.
4 Dividend Credited: The rate schedule states the compounding and crediting frequency of dividends and the dividend period applicable to each account. The dividend period is the period of time at the end of which an account earns dividend credit. It begins on the first calendar day of the period and ends on the last calendar day of the period.
VISA Rewards Credit Card
Annual Percentage |
Months | |
---|---|---|
13.65% | N/A | No Annual Fee; No Balance Transfer Fees |
1 Annual Percentage Rate (APR) is current as of June 2023 and based on the applicant's credit history and credit qualifications. APRs are variable and currently range from 13.65% to 17.99% based on the applicant's creditworthiness. This APR will vary with the market based on the Prime Rate as disclosed in the Wall Street Journal, plus or minus a margin based on your credit history. Not all applicants will qualify for the lowest rate. All rates and terms are subject to change. Membership with Ten Credit Union is required to obtain a credit card. With CU Rewards, earn one point for every dollar spent. Certain other restrictions may apply.