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Located in Beautiful Jacksonville Florida


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(904) 757-5562

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From the President/CEO


Welcome to our web site.
We hope you will take a few minutes and browse
our site to learn more information about Metro North Federal Credit Union.

Dan Jones.

President/CEO

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Identity Theft


Protect Your Identity - Important Security Notice

Metro North Federal Credit Union will never email or telephone you requesting your personal or account information.
Protect yourself against fraud; never provide personal or financial information such as Check or credit card numbers, PINs, Social Security numbers or passwords to unsolicited phone, email or pop-up web site requests. Be sure to check your account information regularly for possible unauthorized transactions. Virtual Branch, our online banking system, is available any time and any where there is Internet access.
Be Identity Smart!
Protect yourself from the increasing threat of identity theft and identity fraud. Criminals and fraud artists are perpetually looking for new ways to scam you out of your hard-earned money and reputation.

By using common sense and following a few simple security precautions, you can lower your risk of being a victim of this very personal crime.

Identity Theft

When a criminal uses another individual’s personal information to “become” that person, it is known as Identity Theft. It can involve more than the theft or misuse of a Social Security Number. It may also involve credit card and other types of fraud.

 

What should you do?


Act immediately to minimize the danger to your personal information, including but not limited to, personal funds and financial accounts.

Close all compromised accounts that have been established fraudulently in your name.

Contact the three major credit bureaus:

If you are a victim, and the US Mail is involved, contact the nearest US Postal Inspector’s office. Contact your local law enforcement agency.

If your Social Security Number was used fraudulently, contact the Social Security Administration at 800.269.0271.


Contact the Department of Motor Vehicles (DMV) to see if another driver’s license was issued in your name.


Contact the Federal Trade Commission (FTC) at 877.ID.THEFT (438.4338) or visit their web site. If any Metro North Federal Credit Union accounts are believed to be compromised, call 904-757-5562.

 

Protect Yourself

It is not always possible to secure your personal information 100% of the time. However, if you ask yourself these questions and incorporate the following helpful tips, you may greatly reduce the risk of becoming a victim.

 

When is the last time I reviewed my credit report?
You should, at a minimum, review your credit report once a year from each of the three credit bureaus. An alternative is to order one report from one of the credit bureaus every 4th month, thus covering all over a one year period.

 

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Patriot Act Statement


Important Information About Procedures for Opening a New Account with Metro North Federal Credit Union


Membership Eligibility and Future Services- To open or maintain any account(s) or service(s) with us, you must qualify for membership and deposit and maintain the par value of the required shares as provided by the Credit Union’s Bylaws and Charter. To verify your eligibility for any account(s), service(s), or loan products, now and in the future, you authorize us to make inquiry to determine your employment history and to obtain information concerning any accounts with other institutions and your credit history, including consumer credit reports. You agree that this authority applies to any account, account-related service, loans or other financial products you request or which we may offer or make available to you. We may also report information concerning your account(s) and credit to others.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, and record information that identifies each person who opens a account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to further identify you. We may also request a copy of your driver’s license or other identifying documents, to complete your application.

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Repossessions


Information Current Repossessions at Metro North Federal Credit Union


Call Christina or Dan at the Credit Union for more details 1-904-757-5562

CURRENTLY - We do not have any repo's at this time.

Recovery Loans graphic Loan graphic2 Ncuasafe

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Things You Should Know


Metro North Federal Credit Union has been in operation since 1954 for the purpose of encouraging thrift and providing a unique lending service to you, the member.

These are highlighted areas regarding information that is important to you as a member and your account. For more detailed information please ask for your Membership and Account Agreement brochure.


Overdraft - Nonsufficient Funds - In order for the share draft system to have complete
acceptability, Overdrafts must be held to a minimum. If non sufficient funds occur more
than three (3) times within any one month, further permission to use share drafts may be denied.
A $20.00 charge will be assessed for each draft that is non sufficient

Service Charges - You agree to pay all service charges that apply to your account. These charges
are subject to change from time to time. A Schedule of Fees which lists our current service charges. Fees and balance requirements is available at the Credit Union.


Waiver of Rights & Fees - Fees for certain service may be reduced or not charged for statement
cycles in which certain minimum, average or aggregate balance requirements are met, as determined by us from time to time. We reserve the right to waive the enforcement of any of the terms of this Agreement with you with respect to any transaction or series of transactions. However, any such waiver will not affect our right to enforce any of our rights with respect to later transactions with you. The fact that we, on any given occasion, may enforce or waive our rights does not obligate us to enforce or waive similar rights in the future, nor will this be sufficient to modify the terms and
conditions set forth in this Agreement.


Garnishment or Levy of Account- If any of your accounts are garnished or otherwise subject to levy
by lawful legal action, we will not be liable to you for any such sums as we may be required to pay
because of such a garnishment or levy. If we are not otherwise reimbursed, we may charge such
expenses to your account. Any garnishment or other levy to your account is subject to the Credit
Union's lien and security interest.


Statements - We will send account statements for all accounts. Share draft statement will be mailed monthly and regular share account mailed quarterly. We will mail your statement to the address we have for you in our records, unless you have requested another arrangement in writing.
If any statement is returned to us because of an incorrect address, we may stop sending statements to you. If you have requested us to hold rather than mail your statements, you must call for them promptly. We will destroy statements being held after 90 days. You will be responsible for the same care in reviewing the statements as if they were mailed. You should carefully examine the statement when you receive it. If you feel there is an error on the statement, or that some unauthorized person has withdrawn funds from the account, You should notify us immediately. We will consider the statement to be correct unless we hear from you promptly (within 30 days of mailing date) after receipt of statement. Also, because you, as depositor, are in the best position to discover an unauthorized use of your account by reviewing the statement provided to you, you agree that we will not be liable for paying such items if (a) you did not exercise reasonable care in examining the statement or you have not reported alterations or possible forgeries to us within 10 days of the mailing date of the earliest statement containing these items, or (b) these items were forged so cleverly (as by authorized use of a facsimile machine or otherwise) that the forgery or alteration could not be detected by a reasonable credit union employee.

Stopping Payment - If it has not already been paid, you may ask us to stop payment of a draft drawn on your Share draft account. You must tell us, in writing, the exact amount of the draft, draft number, date of draft, payee and the full account number on which it is drawn for us to be able to enter a stop payment. If the information you give us is not correct, or incomplete, we will not be responsible if we are not able to effect the stop payment. There is a 24 hour waiting period before the stop payment is fully in effect. (Time consideration - business hours.) The Credit Union reserves the right to not accept verbal stop payment requests.


Closing your Account - If you close any account, you are still responsible for paying any service
charges incurred until such time as the balance is $00.00. You agree to pay a dividend penalty if you withdraw any portion or redeem a Term Share Account or IRA account before the maturity date. We have the right to close your account or accounts at any time without advance notice. If account is closed prior to dividend posting, accrued dividends will not be paid to account.

 

Online Aprroval

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Your Credit Union is now offering personal loans online. Check out all of the benefits by clicking here:
'Online Approval'.


Helpful Links

For more information on identity theft and what you can do to protect yourself, visit these helpful web sites:

Loan Form


THIS APPLICATION IS ONLY FOR MEMBERS OF THE METRO NORTH FEDERAL CREDIT UNION IN JACKSONVILLE, FLORIDA

Please provide all of the requested information.
When you have completed the form, press the button to send your application to Metro North Federal Credit Union
for processing. Your information will be processed and you will hear back from a credit union representative.
We also suggest you call the following day and let us know you sent us a loan application on-line.


Will there be a Co-applicant on this loan? Yes or No

Note: Married applicants may request individual credit. Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: 1. you live in or the property pledged as collateral is located in a community property state ( AZ, CA, ID, LA, NM, NV, TX, WA, WI ), 2. your spouse will use this account, or 3. you are relying on your spouse's income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to extent possible about the person on whose payments you are relying. Joint Credit: If you are applying with another person, complete the Applicant and Other sections.

Do you want Individual credit? Yes or No

Do you want Joint credit? Yes or No

Are you a member of Metro North Federal Credit Union? Yes or No

If you are a member, please enter the first four digits of your account #

If no, what is your membership eligibility?

Amount requested: $

Purpose of the Loan:


Primary Applicant:

Name:

Address:

City:

State:

Zip Code:

Home Phone #: (000-000-0000)

How long at present address? Years: Months

Do you Rent, Own, Other?

E-mail Address:

Employer Name:

Employer Phone #:

Years Employed:

Months Employed:

Occupation:

Gross Monthly Income:

*List alimony, child support or separate maintenance only if you want it considered.


Debts:
List all Monthly debts and payment amounts below:


CO-APPLICANT (if applicable)

Joint Credit Applicant: Yes or No

Non-Applicant Spouse:Yes or No

Name:

Address:

City:

State:

Zip Code:

Home Phone#: (000-000-0000)


How long at present address?

Years:

Months

Do you Rent, Own , other ?

Employer Name:

Employer Phone #:

Years Employed

Months

Occupation:

* List alimony, child support or separate maintenance only if you want it considered.

Debts:
List all Monthly debts and payment amounts below:

  1. You promise that everything you have stated in this application is correct to the best of your knowledge. If there are any important changes, you will notify us in writing immediately. You authorize the Credit Union to obtain credit reports in connection with this application for credit and any update, renewal or extension of the credit received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a federal crime to willfully and deliberately provide incomplete or incorrect information on loan applications made to federal credit unions or sate charted credit unions insured by NCUA.
  2. You have received and read the LOANLINERĀ® Credit and Security Agreement, including the Addendum ("Agreement"), and a Credit Insurance Certificate. By signing below you agree to be bound by the terms of the Agreement.
  3. If you are applying for a credit card, you understand that use of your credit card will constitute acknowledgment of receipt and agreement to the terms of the credit card agreement and disclosures.
  4. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure what you owe under the Agreement and if you have applied for a credit card, under the credit card agreement. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Share and deposits in an Individual Retirement Account, and any other account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given in your shares and deposits.

Please type "I agree" in the appropriate box to the terms above:

 Applicant

CO-APPLICANT

How would you like us to communicate with you regarding this application?     E-Mail or Telephone:

The form may take a minute to send. Call Credit Union the following business day after submitting loan application for more information and status of your loan. (904-757-5562)

Loans

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Online Application form



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New Security Features Get your Annual Credit Report