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Don't Get SMiShed!

SMiShing scams are similar to phishing scams. You get a message from a bank or service provider asking you to do something. However, the SMiShing is really a message from a scam artist. While most people are familiar with email phishing scams, they're less skeptical when receiving SMiShing messages.


How SMiShing Works:


SMiShing scams often direct you to visit a website or call a phone number. If you dial the number, you’ll be asked for sensitive information like a credit card number.



If you visit the website, it may attempt to infect your computer with malware.


Scammers continually get more and more creative. Most consumers are savvy enough not to fall for the old "we need your bank account password" email. However, a text message seems less threatening.


Instead of just trying to get money from you, like they do in cashier's check scams, SMiShing schemes often just try to get information such as credit card numbers. Then they use or sell the information later.

Remember, First City and its respresentatives will not make requests for your credit card number or personal information through text message.  We are always working to safeguard your information and want to help you learn how to keep yourself safe.

Equifax Data Breach Announcement

Equifax, one of the nation’s top three major credit reporting agencies, announced a Cybersecurity breach impacting more than 143 million consumers.  While the breach took place on Equifax's databases, the company has found no evidence of unauthorized activity on their core consumer or commercial credit reporting databases. 

Equifax has created a dedicated website and call center to answer questions. They are also offering credit monitoring, identity theft insurance and internet scanning for impacted consumers.

For more information, visit:

Equifax Data Breach website:

Dedicated call center: 866.447.7559

Determine if you were impacted:

TrustedID Premiere credit monitoring:

As a First City Credit Union member, your security and peace of mind is very important to us. As such, we consistently test our internal systems for weaknesses and seek to ensure that all of your data remains secure. However, you are your best defense when it comes to protecting yourself from fraud and identity theft.  As always, we encourage you to monitor your account statements closely and report any unauthorized charges to us immediately.

First City Turns 80!

First City Credit Union is celebrating its 80th Anniversary with a number of celebration events in September, culminating on the credit union’s “birth date” or date of establishment, Sept. 28. We want to invite you, our members, to the festivities! Click here for more details on our 80th birthday celebration.

New Schedule of Fees

--We've Reduced Many Fees

We’re hard at work reducing fees for you, our members. In fact, we’ve eliminated 11 fees, an almost 25% reduction overall. There was only one fee increase, the Returned Payment fee (from $25 to $31, to reflect current costs),while only one updated fee, the Duplicate Statement Fee of $5 was introduced, to accompany the availability of FREE Online Statements. These changes take effect on August 15, 2017 and reflect our commitment to bring you a broad range of quality financial services, delivered and priced to provide good value. If you would like a copy of the new schedule of fees, you can click here for a copy of the new schedule of fees, call (800) 944-2200, request it by mail, or visit our branches.

New Security Requirement

To enhance your First Citylink Online Banking (home banking) security, a password update will be required for all home banking users every 6 months (180 days). Please note: You will not be able to use your two previous passwords, and will need to make the change to the password
through your browser on a PC/home computer as opposed to the mobile app

New Enhanced Scheduled Recurring Transfer Service

As of July 27, 2016


We will be enhancing the features of the Scheduled Recurring Transfer service (SRT) in online banking On July 26, 2016, between 6:00 PM and 11:00 PM PST. The service will change from the current system to the new enhanced SRT experience. During this activity, all existing SRTs will be moved to the new system; users will not need to set up these transfers again. After the move is complete, all transfers scheduled for the day will process normally at your existing start time.

The enhanced SRT interface has been simplified while reusing familiar transfer controls. Instead of separate pages for one-time and recurring transfers, you can make any transfer a recurring transfer by clicking on the “Repeat” checkbox in the “Move Money” pop up. The same frequency types (ex. ‘Once a Month’) and ending recurring conditions (ex. ‘Until I Cancel’) from the old system will be available with new SRTs. Additionally, those who have set up SRTs can view and delete their active and expired SRTs from the ‘View Scheduled Transfers’ page.

With this activity, there will be no downtime for online banking overall, but be aware that during the hours of the change itself, you will be unable to schedule, view, or edit recurring transfers.

New Fraud Prevention Service

As of June 8, 2016


In our continuing efforts to keep your accounts secure, we’ve improved our alert system for potential fraud.  The changes will occur on June 8, 2016.

Here’s how it works:


1. When potential fraud is detected, you will receive an automatic email notification from First City Credit Union, with the option to reply with "fraud" or "no fraud"


2. One minute after the email, you will receive a text alert from 32874 between 7am and 9pm, which also has the "fraud" or "no fraud" option. *SEE BELOW


3. If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.


Remember: Our messages will never ask for your PIN or account number.


*The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it "Fraud Center," it will display whenever you get a call from this number.

First City Ranks Top 200 Healthiest

First City received an A+ rating among federally insured credit unions in the United States for 2016. We also rank among the top 200 for the third straight year, as listed by

More information can be found at:

CU Members Earns Top RE Honor

Fannie Mae has announced Colonial Savings, parent company of CU Members Mortgage, has been recognized as a STAR Performer for best practices in the areas of General Servicing, Collections/Loss Mitigation and Neighborhood Stabilization for 2014.  Congratulations to our Mortgage Loan Partner on a job well done!

Holiday Branch Closures

September 4, Labor Day
October 9 Columbus day
November 10 Veterans Day
November 23-24 Thanksgiving Holiday

Helpful Tips:

If you're traveling, be sure to notify us so we can make certain your Visa credit/debit card and ATM activity is authorized by you during your trip!



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  • NCUA
  • Digital Insight