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Merger FAQs and Information





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Lost or Stolen Debit Card?



Please call the Credit Union during normal business hours to report your lost or stolen debit card.  If you need assistance during evening hours or weekends, please call Customer Service at 1-800-991-4965.






Enterprise Auto Sales!!!





Enterprise has great prices on more than 120 makes and models!  Do you have a trade-in?   Enterprise Car Sales will appraise your vehicle using Kelley Blue Book® Trade-In Value and give you an additional $500 on your trade-in through April 30, 2014! Every purchase includes a 12-month/12,000 mile limited powertrain warranty, vehicle certification, 12-month roadside assistance, free CarFax® reports, and a 7-day purchase agreement!  Call or visit Tri-State Federal Credit Union today to get pre-approved for your loan, and then come to Enterprise and let us help you find that perfect vehicle!   






 Loan Special has been Extended!

Already Low Rates Reduced 1% APR*


New Car Loans   Used Car Loans  Home Equity Loans

 As Low As


 As Low As


 As Low As

 2.74% APR*


 3.25% APR*


 3.50% APR*



If you've been putting off purchasing a new vehicle, remodeling your home, or consolidating bills, there has never been a better opportunity to do so than now!  Our already low loan rates, with the exception of the Home Equity Line of Credit, have been reduced 1% across the board to historic lows.  In addition to the 3 listed above, Signature Loans are also available as low as 8.25% APR*.



As in the past, your loan rate will be based on your Credit Score.  However, this time the Loan Officer is authorized to reduce your qualifying rate another 1%.  These rates are for new loans only.  Let us look at your current bank loans to see if we can save you big dollars by refinancing with us.  Sorry, current Tri-State F.C.U. loans do not qualify for refinancing.


This Loan Special, originally for the months of June, July, and August, EXTENDED UNTIL FURTHER NOTICE!



*APR = Annual Percentage Rate.  Rates reduced .25% based on rewards and subject to change without notice.  Other rates and terms are available.  Current Tri-State F.C.U. loans are not available for refinancing.  Contact credit union for complete details.












Protecting your Debit Card

To protect your debit card against fraudulant use, Tri-State Federal Credit Union has implemented Real-Time Falcon Decisioning on March 5, 2007.  A member's transaction could be declined at the point-of-sale if Falcon considers the transaction to be suspicious based on previous activity.  Please CLICK HERE for a statement on our security and how to contact your credit union.

It's Time to make your IRA Contribution!


Tri-State Federal Credit Union has IRA investment products that help you maximize your tax advantages and save money for the future.  We make it easy to save for retirement, and best of all, the money you invest now will save you a bundle at tax time!  Here's a brief summary:


  • Traditional IRA's let you contribute up to $5,000 in 2012
  • Roth IRA's let you contribute up to $5,000 in 2012
  • Catch-Up Provisions let workers ages 50+ save an additional $1,000 per year in 2012


So make your future more secure, collect more interest, and have the peace of mind that comes from knowing that your credit union IRA is federally insured and your savings are protected.


Risk Based Lending is Here!



Members win because we now:

  • Serve a larger segment of our membership
  • Offer low-risk members better rates
  • Provide faster service for average-risk members
  • Approve more loans for many higher-risk members