Spring Spruce Up!

4.75% Home Equity Loans, Zero Costs & a free 52” TV!*

Imagine borrowing $20,000 for any purpose whatsoever with monthly payments as low as $81 per month. It may sound impossible, but it’s not. Right now at your credit union you can do exactly that. And you won’t pay a penny in closing costs or annual fees! Our home equity line of credit rates are as low as ½% below Prime, and they stay below Prime for the life of the loan. This is not an introductory rate. Plus, those who act now will have a chance to win a 52” HDTV. Check out the many benefits of a Home Equity Loan from Class Act:

• Interest rates as low as 4.75%*
• Zero closing costs
• No annual fee
• No prepayment penalty
• Interest-only payment option
• Borrow up to 100% of your home’s equity
• Interest may be tax-deductible (consult your tax advisor)

Use the money to bring home improvement dreams to life, take a needed vacation, or for any worthwhile purpose. A home equity line of credit loan gives you the ability to access the money you need, whenever you need it. Call today and speak to any of our knowledgeable loan officers today to find out if a home equity loan is right for you. Contact our real estate department today at tmeibers@classact.org.

* Annual percentage rate. HELOC variable loan rate as low as 50 basis points below Prime. Prime rate at time of publication is 6.00%. All closing costs waived with direct payment from CAFCU checking account and minimum initial advance of $5,000. Rates based on borrower’s qualifications, and percentage of equity borrowed. Offer valid March 1 thru June 30, 2008. Offer not valid on refinance of existing CAFCU loans.

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2008 Kentucky Derby Festival Bed Race!

Check out our entry in the 2008 Kentucky Derby Festival Bed Race...
And be sure to watch us run on Wave 3, April 28th, 7:00 p.m.!

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54th Annual Meeting Held March 19, 2008

The 54th Credit Union Annual Meeting was held on Wednesday, March 19th in the Stewart Auditorium at the Van Hoose Education Center, 3332 Newburg Road.

We would like to take this opportunity to thank each of you who attended the meeting for taking the time to make a difference at your credit union. We’d also like to thank Kenya Powell for singing a beautiful rendition of the National Anthem and JCPS’ Nutrition Services for the super job they did catering the event.

Chairman's Award

This award was created in 1978 to honor those volunteers, members and staff who demonstrate outstanding service and dedication to the credit union movement and its members. This year's recipient joined our ranks as a Teller in 1985. Throughout her career she has held various positions within the Credit Union. She now holds a senior management position and is instrumental in overseeing that many of our organizational goals are carried out. Over the years of her tenure, she has seen our Credit Union through tremendous growth and as a result, her departmental operations and responsibilities have likewise experienced additional growth.

This past year, our recipient accepted the challenge as a team leader to oversee one of our strategic objectives. Together with her team, they decided to develop an extensive outline for the Credit Union's involvement in the Greater Louisville, Inc. and JCPS Every 1 Reads program. She rallied for volunteers amoung the Credit Union's staff, solicited family resource coordinators at various schools to place our volunteers, and developed a weekly schedule to coordinate everyone's schedule. She has truly become a champion of the Every 1 Reads program.

This year’s 2008 Chairman’s Award was deservedly awarded to Susie Breitmeyer. Susie is a pleasure to work with and is highly respected by both her colleagues and members alike. Congratulations, Susie!

Good Buddy Award

The Good Buddy Award is presented annually to an individual who has gone "Above and Beyond" the call of duty for the benefit of the Credit Union. One of our strategic objectives this past year was to develop a Community Outreach Strategy in order to aggresively increase our awareness throughout this community. This year's recipient is a truly dedicated employee who puts in countless hours to get her own job done, not to mention all of the extra hours she has contributed to increase our Credit Union's involvement within the community, and especially within our field of membership.

She has volunteered to help out on numerous occasions with special programs we have participated in at the University of Louisville, as well as many other special projects throughout our educational community. She has been instrumental in getting us involved with the University's Financial Fiesta and Freshman Orientation, among many other projects at the University level. She was also instrumental in getting an Endowed Scholarship established at U of L for the School of Education.

Through her involvement on the Kentucky Youth Advocates Board, she solicited credit unions across the state to raise pledges to support a Financial Literacy Summit. She is actively involved in our Every 1 Reads program and helped us sponsor a Halloween Party at the Main Public Library and a Family Literacy Night Christmas Party at the Salvation Army Newburg Boys and Girls Club. Through her involvement with the Business and Professional Women of Louisville, Salvation Army, and Cardinal Dames, the Credit Union has been able to have a presence at many of these activities as well.

This is only a partial list of the many community programs and projects we have been able to contribute to due to this employees endeavors. We have participated in the WHAS Crusade for Children, American Heart Association Heart Walk, Habitat for Humanity, Red Cross Blood Drive, Children's Advocacy Day, and Project Women.

We would like to recognize Sally Gorman for all she has done to foster our community outreach initiative this past year. Congratulations, Sally!

Class Act Award

Congratulations to Becky Copley, recipient of the 2007 Class Act Award. The Class Act Award is a key component of our continuing commitment to provide the very best service to our members. Its name is actually an acronym of our stated Core Values: Commitment and Leadership to Achieve Superior Service with an Attitude of Compassion and Trust. Employees earn points whenever a member or co-worker “catches” them going the extra mile in assisting a member or fellow employee. Each quarter, the employee with the highest total of recognition points is awarded the quarterly trophy and a bonus. At our Annual Membership Meeting, Becky was awarded a trophy and bonus as the overall point leader for 2007.

Members are encouraged to support this important program by taking a moment to drop us a note whenever a staff member commits a “Class Act” on their behalf. Be on the alert for “Class Acts”, and if you spy one be sure to let us know by sending an email to members@classact.org.

Educational Scholarship Award Winners

Each year at our Annual Meeting, we randomly select three lucky names to receive a $500 scholarship to be used for college or other educational expenses. The awards consist of $500 Share Certificates invested at the Credit Union until redeemed to defray college expenses. Congratulations to this year’s winners!

• 10 years & under – Janae M. Dukes Peoples
• 11-17 years – April L. Heuke
• 18-21 years – Kimberly Diane Roberts

Elections & Reorganization of the Board of Directors

Mary Ann Brumagen, Mike Goad, and Sandy Walker-Wooley were elected to serve another three-year term on the Board of Directors. Congratulations to these dedicated volunteers. Immediately following the Annual Membership Meeting, the Board of Directors held their Reorganization Meeting and the following officers were elected to serve: Cindy Potts, Chairman; Joe Vibbert, Chair Elect; Bob Rodosky, Past Chair; Sandy Walker-Wooley, Secretary/Treasurer; and Tom Mathews, Parliamentarian. Congratulations to all of our volunteers and thank you for your continued committment to serve Class Act Federal Credit Union.

Thank you to all of our members for a great 2007 and we look forward to serving you in 2008!

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TurboTax Online Makes Tax Preparation Easy!

As a valued Class Act FCU member, you can now discover just how easy tax prep can be - for fREE - with TurboTax Online Free Edition, which includes:

• A step-by-step interview with easy-to-understand questions
• Forms automatically filled out using your answers
• 100% accurate calculations guarantee*
• FREE federal e-file, plus a faster refund

Or choose Turbo Tax Online Deluxe to maximize your deductions and save 10%. Try the #1-rated TurboTax today. Simply follow this link to TurboTax Online or call 1-800-613-4406 for more information.

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Take a picture with Inky and Win $100!

Our Inky contest has been so much fun that we're going to do it again! Put our logo ink pens and your whimsical imagination to work and you could win $100! It’s easy. Just submit any picture that includes our Class Act logo ink pen to be eligible. Take a picture of “Inky” on vacation, or at graduation, anywhere and everywhere you go. Be creative and have fun and you just might win $100.

We will post the pictures online at www.classsact.org and one of them will win $100. Email your digital pictures to us at members@ classact.org or mail your non-digital photos to us at 3620 Fern Valley Rd., Louisville, Ky 40219. Don’t have a Class Act ink pen? Stop in or call us at 964- 7575 and we’ll mail you one. Contest deadline is June 15th, 2008 so hurry!

Here are our entries so far...

Congratulations to our 2nd Inky winner!

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Beware of CUSC Phishing Email!

Class Act FCU has learned of an email circulating to the general public requesting personal member information by visiting a specific website. As you can see in the image below, it contains the logo of the swirl providing much of the "look and feel" of our shared branch organization. This is not a valid request for information from CUSC or CU Service Centers and you should never send sensitive information such as passwords, credit card numbers, social security numbers, secret words, or PINs in an email or submit it through a website. In addition, you should never click directly on links in an email that requests sensitive information, even if they recognize and trust the address. These links can redirect you to a fake -- though very real looking -- Web site. Instead, always type the Web address directly into your browser's address bar.

If you feel you have been the victim of a phishing email, please contact the credit union immediately at members@classact.org.

Example of Phishing Scam!

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Term Life Insurance Offered Through Class Act FCU

At Class Act Federal Credit Union, our mission is to provide our valued members with financial services that meet your changing needs. That's why we are proud to offer an economical way to plan for your family's financial security in the years to come.

As a valued member of Class Act Federal Credit Union, you and your spouse, age 18 through 64, have the opportunity to apply for up to $150,000 of Group Term Life Insurance. And, up to $10,000 of coverage is available for your eligible dependent children. This Term Life Insurance Plan, offered to you by Monumental Life Insurance Company of Baltimore, MD, represents a simple, affordable way to significantly strengthen your personal insurance portfolio and ensure your loved ones are financially protected.

For more information, please click here.

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Email from CUNA is fraudulent!

Class Act FCU has learned of another email that a member of ours has received that requests personal member information. It contained the logo and much of the "look and feel" of the CUNA web page but it is not valid. Please be aware that this is not a valid request for information from your Credit Union and that you should never send sensitive information such as passwords, credit card numbers, social security numbers, secret words, or PINs in an email. The email reads as follows:

Credit Union is constantly working to ensure security by regularly screening the accounts in our system. We recently reviewed your account, and we need more information to help us provide you with secure service. Until we can collect this information, your access to sensitive account features will be limited. We would like to restore your access as soon as possible, and we apologize for the inconvenience.
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Why is my account access limited?
Your account access has been limited for the following reason(s): * We would like to ensure that your account was not accessed by an unauthorized third party. Because protecting the security of your account is our primary concern, we have limited access to sensitive Credit Union account features. We understand that this may be an inconvenience but please understand that this temporary limitation is for your protection.
(Your case ID for this reason is PCU1-410-320-3334.)
At Credit Union, one of our most important responsibilities to you, our customer, is the safekeeping of the nonpublic personal ("confidential") information you have entrusted to us and using this information in a responsible manner. Appropriate use of the confidential information you provide us is also at the heart of our ability to provide you with exceptional personal service whenever you contact us.
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How can I restore my account access?
Please confirm your identity here: Restore My Online Banking and complete the "Steps to Remove Limitations."
Completing all of the checklist items will automatically restore your account access.
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In addition, you should never click directly on links in an email that requests sensitive information, even if you recognize and trust the address. These links can redirect you to a fake -- though very real looking -- Web site. Instead, always type the Web address directly into your browser's address bar. If you feel as though you have been a victim of a phishing scam, please contact us immediately via email or phone at (502) 964-7575 or 1-800-292-2960. Always remember, we will NEVER contact you via email and ask you to verify your personal information!

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Don't Fall Victim to a Phishing Scam!

Class Act FCU has learned of an email that a member of ours has received that requests personal member information. It contained the logo and much of the "look and feel" of the National Credit Union Association web page but it is not valid. Please be aware that this is not a valid request for information from your Credit Union or CU Service Centers and that you should never send sensitive information such as passwords, credit card numbers, social security numbers, secret words, or PINs in an email.

In addition, you should never click directly on links in an email that requests sensitive information, even if you recognize and trust the address. These links can redirect you to a fake -- though very real looking -- Web site. Instead, always type the Web address directly into your browser's address bar. If you feel as though you have been a victim of a phishing scam, please contact us immediately via email or phone at (502) 964-7575 or 1-800-292-2960. Always remember, we will NEVER contact you via email and ask you to verify your personal information!

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Free ClassAct Online Bill Pay is Here!

We know your banking needs don’t always fall neatly between 9:00 a.m. and 5:00 p.m. That’s why we’re excited to introduce our FREE online bill pay service...ClassAct Bill Pay!

• Simple and easy to use
• All payees are verified before the first payment is made
• Schedule, change or stop single and recurring payments
• View payment history
• 24 x 7 access; extended hours customer service and CHAT available

And the best news is that members will receive all of this at NO COST! To access this great service from your Credit Union, simply login to your account and look for the ClassAct Bill Pay link at the top of the page!

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Advance Class Courtesy Pay

We understand. It happens to all of us. You make an honest mistake in your checkbook. Unusual or unforeseen circumstances popped up at just the wrong time. That’s why Class Act Federal Credit Union is now offering Advanced Class Courtesy Pay, an added member service that protects your checking account when an inadvertent overdraft occurs. Look for details in the mail soon!

• Saves you from the embarrassment of returned checks
• Saves you from merchant returned check charges
• Saves you collection agency fees and protects your credit rating

We’re looking out for our members because...Life Happens.

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BANK ATTACKS: Credit Unions Fight Back!

The banking trade associations in Washington, and their affiliates throughout the states, have undertaken a centrally organized attack on credit unions, calling on both the federal government and many state governments to raise taxes on credit unions. This bank program--called Operation Credit Union--is designed to gain commitments from all bankers to be actively involved in long term grassroots action in support of credit union taxation.

For years, credit unions have gained the respect of Congress as a grassroots powerhouse. We successfully--and by wide margins--fought back when the bankers sought to destroy credit unions by limiting who could join. Congress voted with the credit unions to pass The Credit Union Membership Access Act in 1998 over the objections of the bankers.

Now, similar to those initiatives, we must fight back again. The bankers are out to eliminate credit unions from the financial services industry and to add new taxes to 85 million Americans.

Banks want to take away your right to choose credit union membership, but one small dollar will make one big difference!

Did you know that bankers outspend credit unions 20 to 1? It’s no secret that the banking industry has deep pockets. They have over 140 federally registered political action committees (PACS) working for their political interests. In the past, powerful banks and their lawyers have combined to prevent millions of people from having the freedom to choose to join and own a credit union. Imagine being forced to use a bank where you are held captive to high fees, indifferent service, higher interest rates on loans and lower interest rates on savings. Not much of a choice!

This is where we need your help! CULAC is the nation’s largest PAC working exclusively for credit unions. Its goal is to elect pro-credit union candidates to Congress. As a credit union member, you can join the fight against banks by making your own contribution to CULAC. All we are asking for is a $1.00 investment, once a year, a quarter or a month to help fund CULAC. Your “Deduct-A-Buck” contribution will help ensure that the credit union side of the story is being heard in Washington,D.C. If you want to make a donation, please drop us an email. We will send you out the form and the amount you contribute can even be automatically debited from your account. It is only with the help of members like you that the basic right to choose membership in a credit union will be preserved for the American consumer.

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Fraudulent Email Thieves Intend to Steal Your Personal Information

How the scam works...

Crooks unleash fraudulent email scams at a ferocious pace. The email pretends to come from businesses the potential victims patronize–for example, Internet service providers, online payment services, well-known national retailers, and banks. Thieves make up some story (often basing part of the story in fact) designed to trick victims into providing personal information. The email directs the recipient to click on a provided hyperlink to clear up the problem. The hyperlink leads to a server (usually in another country) on which a fraudulent imitation of a legitimate website appears. This scam is often referred to as "phishing" or "carding". The deceived individual is then prompted to enter confidential personal information collected to perpetrate identity theft. The victim is usually then redirected to a legitimate website to obscure the fact that he or she just gave away personal financial information to crooks. You may recall hearing of these scams purporting to come from U.S. Bank, Best Buy, Citibank, eBay, Earth Link, FDIC (Federal Deposit Insurance Company), the IRS, and PayPal — just to name a few (a group that tracks this type of scam and posts information is located at www.anti-phishing.org).

Do Not Provide Personal Information to Someone Who Calls or Emails You

Regardless of who they claim to be, treat people who call or email you seeking personal or financial information as potential thieves who may be trying to steal your identity. Do NOT provide people who call or email you with any personal information. The thieves change their disguised identity by adopting a new alias.

Protect Yourself

Follow the Federal Trade Commission's following guidance:

1. If you get an email that warns you, with little or no notice, that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the email. Instead, contact the company cited in the email using a telephone number or website address you know to be genuine.
2. Avoid emailing personal and financial information. Before submitting financial information through a website, look for the "lock" icon on the browser's status bar. It signals that your information is secure during transmission.
3. Review credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances.
4. Report suspicious activity to the FTC. Send the actual spam to uce@ftc.gov. If you believe you've been scammed, file your complaint at www.ftc.gov, and then visit the FTC's Identity Theft website (www.ftc.gov/idtheft) to learn how to minimize your risk of damage from identity theft.

If you think you have fallen victim to this scam, please call us at (502) 964-7575 or drop us an email so we can ensure your account is not compromised.

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E-Statements Are Here!!

Class Act FCU is proud to introduce Electronic Statements!! Members can receive statements and newsletters via e-mail. That means you can have your statement on the first day of the month instead of waiting for the mail. It ’s easy to review your statement and print it if you like, all from the convenience of your own PC! Your You can go back to February 2002 to view your E-Statement and you can enjoy the convenience of being able to view and print canceled checks for the past 6 months.

To sign up, just log on to your account and follow the prompts!

Members who sign up will receive an e-mail the first week of each month telling you that your statement is available,and direct you to our website at www.classact.org where you can view and print your statement.

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Can 4.50% Automobile Financing Cost Less Than 0%?

Absolutely! When comparing financing options, there is nothing that can compare to the savings available when you finance at Class Act FCU. It's actually like comparing apples to oranges! Those offers for 0% may seem great, but there may be less juice in the deal than you thought. You might only qualify for 0% if you have perfect credit and can afford a large monthly payment. Plus, the 0% may only apply to certain models.

Check out the chart below and compare for yourself. You'll find that by taking a dealer rebate and financing at your Credit Union, you will actually pay less!

	Dealer Financing	Rebate & CTFCU Financing
Purchase Price Dealer Rebate Amount Financed Interest Rate Term Monthly Payment Total Payment	$20,000 ($0) $20,000 0% APR* 36 months $555.56 $20,000	$20,000 ($2,000) $18,000 4.50% APR* 36 months $535.51 $19,279

Want to plug in your own numbers? No problem, just click on this link for a comparison calculator that will allow you to enter your specific financing information. If you are planning to purchase or refinance a vehicle, be sure to make Class Act FCU your first stop. Our low rates will help save you money and put you behind the wheel of a new car fast. The best deal could come from skipping the low dealer financing, taking the rebate, and financing the vehicle at Class Act FCU. Plus, at your Credit Union you can take advantage of fast service and the convenience of payroll deduction for making payments.

BBB Warns of Fraudulent Email Scams

The Better Business Bureau serving Louisville has received a recent wave of e-mails drawing attention to a scam targeting bank account holders.

The email claims to be from the FDIC and states, "In cooperation with the Department of Homeland Security, Federal, State and Local Governments your account has been denied insurance from the Federal Deposit Insurance Corporation due to suspected violations of the Patriot Act. As a result, Department of Homeland Security Director Tom Ridge has advised the FDIC to suspend all deposit insurance on your account until such time as we can verify your identity and your account information." The email directs a consumer to click on a provided link to verify personal identity; including account information or the deposit insurance will be suspended.

The FDIC has posted a warning on its Website stating the email was not distributed by the FDIC and is an attempt to obtain personal information fron consumers.

This scam tactic is known as "phishing." Such scam emails pretend to be from a business or agency the potential victim will know is legitimate, such as a credit union, bank or well-known merchant. The scam artist tells the recipient they need to validate a charge to their account or return a fraudulent charge to their account. The email then directs the consumer to a "look alike" website similar to the website of the legitimate business or agency from whom the email appeared to originate, all in an effort to get the victim to reveal personal account information. These scam artists illegally use company logos and legitimate looking website links in the emails to trick consumers.

To avoid being scammed, The Better Business Bureau offers these tips to consumers:

• If you receive an email warning that an account will be closed unless you reconfirm your personal information, do not click on the reply or link in the email. Instead, contact the company directly by using a phone number or web address you know is legitimate.
• Avoid emailing personal and financial information. Before submitting financial information, check to see if the browser is secure by looking for a lock box in the lower right hand corner or "https://" in the web address line.
• Review credit card and credit union/bank account information regularly to determine if there are any unauthorized charges. If your statement is more than a couple of days late, contact the company immediately to confirm your billing address and account balances.

The FDIC and the FBI are currently investigating the fraudulent email. Consumers are asked to send emails containing this information to mailto:alert@fdic.gov

Class Act FCU members are insured by the NCUSIF. The National Credit Union Share Insurance Fund is administered by an independent agency of the federal government, the National Credit Union Administration, or NCUA. These are the initials you see in your credit union. The good news is that with the NCUSIF, your money couldn't be any safer if it were in Ft. Knox. Here's why:

• The NCUSIF is the strongest of the funds. Recent, voluntary capitalization of the fund by all federal credit unions resulted in an insurance fund that equals 1.3% of all federal credit union shares. This is a higher ratio than that of the FDIC.
• The Fund Grows Stronger Every Year Each year, federal credit unions adjust their contribution to the fund to reflect their total accounts. So, as your savings grow, the fund grows to protect them.
• Federal Credit Unions are Exceptionally Strong. While no financial institution is invulnerable, it's comforting to know that failures of federal credit unions are at an all-time low. This means that an already strong insurance fund remains strong, since so few credit unions are drawing money out of it.

The NCUSIF is there to protect your funds, but it is up to you to protect your account from fraudulent activity. If you receive an email or phone call similar to the one above, take a minute to give us a call or email us to find out if it is legitimate. There will never be a reason we would contact our members to ask them to verify personal account information. That information is stored at the Credit Union, and we would never ask for that over the phone. If you have any questions or concerns, please give us a call at (502) 964-7575 or drop us an email.

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ClassA MasterCard Available Now!

We offer you a variety of choices and one of those great choices is a new ClassA MasterCard! With a 10.9% annual percentage rate on purchases, no annual fee and a 25 day grace period on purchases this card is the pick of the bunch! Cardholders can also take advantage of travel reservations and discounts, eyewear discounts and $250,000 free travel insurance!

The new ClassA MasterCard is available now and you can even apply online! Just click here to apply today!

Type of Card

Annual Percentage Rate for Purchases

Annual Percentage Rate for Cash Advances

Minimum Credit Limit Required

Grace Period for repayment of Purchases

Method for computing the balance for purchases

Annual Fee

Transaction Fee for Purchases

Minimum Finance Charge

Over the Credit Limit Fee

Late Payment Fee

Cash Advance Fee

Minimum Monthly Payment

Class A

10.90%

12.90%

$300

25 Days from Statement Closing

Average daily balance including new purchases

None

None

None

$20

$20

$0

$10.00 or 2.5%

Gold

9.90%

11.90%

$5,000

25 Days from Statement Closing

Average daily balance including new purchases

None**

None

None

$20

$20

$2.00

$20.00 or 3%

*** No Annual Fee when at least 6 purchases made in 12 month period, otherwise $20 annual fee. First 12 months Annual Fee waived. Subsequent 12 month periods start thereafter.

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Money Management from Members Financial Services!

The Money Management section of our homepage offers many helpful tools and a wealth of information about managing your finances. For more information and assistance, Contact A Representative serving Class Act FCU.

There are four modules within our MEMBERS Financial Services section:

MEMBERS BrokerNet is a comprehensive online brokerage service.

Money Management provides you with Financial Calculators and tools for reviewing your personal financial situation.

Education Center provides more than 70 articles on a variety of personal financial topics

Insurance & Investments gives you access to information on various insurance and investment products and services.

Best of all, there is no cost to you for all of this great information! Just click on a link and start on your road to financial freedom!

Representatives are registered through, and securities are sold through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SIPC, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Insurance sold through licensed CUNA Mutual Life Insurance Company Representatives, and in New York, licensed insurance representatives of other companies. Nondeposit investment products are not federally insured, involve investment risk and may lose value, are not obligations of or guaranteed by the credit union. CBSI is a registered broker/dealer in all fifty states of the United States of America.

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Important Privacy Information!

Due to the requirements of the recently enacted Privacy Act passed by Congress, effective July 1, 2001, we will be unable to provide account information over the telephone or via email unless a Privacy Code Word has been set up for your account. Please take a moment to drop us an Email or call (502) 964-7575 or 1-800-292-2960 and ask for a Privacy card so that we may get this information updated on your account.

For faster and more secure access to your account, we encourage you to use the Express Line audio response or CyberBranch@Home. These services are convenient and available 24 hours a day. Please let us know if you would like a Personal Identification Number (PIN) sent to you for access to your accounts.

Should you have any questions or concerns, please feel free to call us at (502) 964-7575. We thank you for your business and look forward to serving you in the future.

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Here & Now Indirect Lending...Because Your Time is Valuable!

Class Act Federal Credit Union has a great time saving way for you to purchase your car at the dealership and still get credit union financing at the same time. The Here & Now financing program works like this:

1. Choose any participating dealership listed below that is displaying the Here & Now Credit Union financing logo.
2. Complete your loan application right at the dealership.
3. Upon approval, drive away with your automobile!

It's as easy as that! No special trips to the Credit Union to fill out paperwork and you'll always receive the same low rates and quality service you have come to expect from your Credit Union!

When you visit one of the dealerships below to purchase your vehicle, insist on Here & Now Credit Union Financing!

Dealerships currently participating in the Here & Now Indirect Lending Program:

Alex Montgomery, Inc. 9000 Hwy 44 East Mt. Washington, Ky 40047 (502) 955-6800	Bachman Chevrolet Volkswagen Subaru 9652 Bluegrass Pkwy Louisville, Ky 40299 (502) 719-3812	Bob Hook Chevrolet 4144 Bardstown Road Louisville, Ky 40218 (502) 499-0800
Bob Montgomery Chevrolet 5340 Dixie Highway Louisville, Ky 40216 (502) 448-2820	Byerly Ford-Nissan 4041 Dixie Highway Louisville, Ky 40216 (502) 448-1661	Carbiz, Inc. 502 S. 1st Street LaGrange, Ky 40031 (502) 222-8111
Carriage Ford 908 E. Hwy 131 Clarksville, In 47129 (812) 284-4444	Clapp Auto Group Volkswagen 125 W. Hwy 131 Clarksville, In 47129 (812) 948-1541	Collins Lincoln Mercury 4220 Bardstown Road Louisville, Ky 40218 (502) 459-9550
Collins Nissan 4142 Bardstown Road Louisville, Ky 40218 (502) 459-9550	Craig & Landreth Used Cars 5357 Dixie Highway Louisville, Ky 40216 (502) 447-3450	Craig & Landreth Used Cars 1700 S. Hurstbourne Pkwy Louisville, Ky 40220 (502) 499-1774
Craig & Landreth Used Cars 619 E. Lewis & Clark Pkwy Clarksville, In 47129 (812) 280-8000	Cross Motors Corporation 1501 Gardiner Lane Louisville, KY 40218 (502) 459-9900	Downtown Ford 809 South 5th Street Louisville, Ky 40203 (502) 584-9731
Enterprise Auto Sales 3718 Bardstown Road Louisville, Ky 40218 (502) 458-7722	Fern Creek Auto Sales 6203 Bardstown Road Louisville, KY 40291 (502) 231-1212	Greentree Toyota 808 East Lewis & Clark Parkway Clarksville, IN 47129 (812) 284-2277
Lexus of Louisville 2400 Blankenbaker Pkwy Louisville, Ky 40299 (502) 499-5050	Perkins 6424 Hwy 146 Crestwood, Ky 40014	SAG Just Trucks Suzuki 4120 Bardstown Road Louisville, Ky 40218 (502) 493-3350
Sam Swope BMW #3 Swope Auto Center Louisville, Ky 40299 (502) 499-5080	Sam Swope Honda World #1 Swope Auto Center Louisville, Ky 40299 (502) 499-5040	Sam Swope Infiniti #8 Swope Auto Center Louisville, Ky 40299 (502) 499-5070
Sam Swope Volvo #5 Swope Auto Center Louisville, Ky 40299 (502) 493-3338	Sam Swope Mitsubishi #11 Swope Auto Center Louisville, Ky 40299 (502) 499-5030	Sam Swope Pontiac 6514 Dixie Highway Louisville, Ky 40258 (502) 933-3388
Sam Swope Pontiac GMC Dixie 6770 Dixie Highway Louisville, Ky 40258 (502) 933-3388	Sam Swope Buick, GMC, Truck 406 East Lewis & Clark Parkway Clarksville, In 47129 (812) 282-8285	Sam Swope The Big Lot #9 Swope Auto Center Louisville, Ky 40299 (502) 499-4444
Sam Swope Buick #7 Swope Auto Center Louisville, Ky 40299 (502) 499-4600	Saturn of Louisville #2 Swope Autocenter Louisville, Ky 40299 (502) 499-5060	Saturn of Louisville South 6600 Dixie Highway Louisville, Ky 40258 (502) 933-0219
Toyota of Louisville 6514 Dixie Highway Louisville, Ky 40258 (502) 935-1433	Thrifty Car Sales 6507 Preston Highway Louisville, Ky 40219 (502) 962-6442	Tri County Ford Mercury 5101 West Highway 146 Buckner, Ky 40001 (502) 241-7333

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Are You Eligible to Join Class Act FCU?

In 1954, Classroom Teachers FCU was founded to serve the employees of the Jefferson County Board of Education, their families and the credit union staff. With a new name but the same purpose, to serve the educational community in Louisville and the surrounding areas, Class Act FCU is available to full-time or part-time employees of:

Academy for Individual Excellence

Anchorage Schools

Bardstown Public School Systems

Beth Haven Christian

Brown Mackie College

Bullitt County Public School Systems

Christian Academy

Contract Bus Service

Cornerstone Christian Academy

Embry-Riddle Aeronautical University

Eminence Independent Schools

Evangel Christian

JCTA Staff

Jefferson County Public School Systems

KEA Staff

Kentucky Country Day

KET

Ledco, Inc.

Maryhurst

Meredith Dunn

National College of Business and Techonology

Nelson County Public School Systems

Oldham County Public School Systems

Shelby County Public School Systems

Spencer County Public School Systems

Sullivan University

University of Louisville Students

University of Louisville Alumni

Ursuline Campus

Victory Christian

Walden School

Whitefield Academy

Primary Member's Eligible Family

If you are eligible to join Class Act FCU through one of the above affiliations, then your family is also eligible to take advantage of the benefits we offer! Eligible family members include:

Spouse

Children

Siblings

Parents

Grandparents

Grandchildren

Stepparents

Stepchildren

Stepsiblings

Adoptive Relationships

Other relatives are eligible if living in the primary member's household.

If you aren't eligible to join Class Act Federal Credit Union, there is a chance you are eligible to join a different credit union based on your employment, school affiliation, etc. Visit the Kentucky Credit Union League website to find out if you are eligible to join a different credit union and find out what the Credit Union Difference could mean to you!

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Members Can Reorder Checks Online

If you have ordered checks through the Credit Union in the past and would like to place a reorder, you can take advantage of our online check reordering by clicking on the Liberty Check Printer link available throughout our website.

Class Act FCU members can even change the check style, information printed on checks, or the shipping address by logging into the Liberty Check Printer secure site.

Be sure to have your check reorder form handy when you log in because you will be asked for the "Reorder Number" and "Starting Check Number" when you sign in.

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CU Here...and There!

Kentucky Credit Unions have joined with credit unions in the Midwest and across the country so you can access all of your accounts wherever you see this logo of the Credit Union swirl! So we will "CU Here....and There!"
What is a Credit Union Center? A Credit Union Center is simply a branch that's shared by several different credit unions. Members of any participating credit union can go to any Credit Union Center to conduct virtually all their credit union transactions. To the members, it's the same as visiting their own credit union branches. Credit Union Centers are an efficient way for credit unions to offer you more locations and more convenience. For example, you could stop by a Credit Union Center while you're travelling, or if you move away, there might be a Credit Union Center nearby where you can conduct your transactions! Where are the Credit Union Centers Located? The Credit Union Centers are located at 4917B Dixie Highway, Kmart Plaza and 2925 Goose Creek Road. Class Act FCU members can go into those branches to conduct almost any transaction that they could normally do with a teller at our main office. Make withdrawals, transfers, deposits, and inquiries on your account. Nationwide, you have access to your account through the Credit Union Service Corporation (CUSC); the largest shared branch program across the country. Members of credit unions participacing in the shared branch program across the country have access to their accounts and services in more than 20 states. Indiana offers members 12 shared branch locations throughout the state; in Kentucky, we're working to build our network to offer the same convenience to you. If you have any questions about the Credit Union Centers, you can reach their offices at 502.448.1686 (Dixie Highway) or 502.429.0068 (Goose Creek Road). For a listing of all credit unions affiliated with the CU Service Center network, click here!

Your savings federally insured to at least $100,000 and backed by the
full faith and credit of the United States Government. National Credit Union
Administration, a U.S. Government Agency.

We do business in accordance with the
Federal Fair Housing Law & the
Equal Credit Opportunity Act.

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