EXCITING NEWS: Fort McClellan Credit Union is joining forces with PenAir Credit Union. Learn more.
NEWS
Legacies of Service. A Future of Opportunity.
October 21, 2026
Fort McClellan Credit Union and PenAir Credit Union have announced plans to merge, subject to regulatory approval and a vote of eligible Fort McClellan Credit Union members.
This proposed partnership brings together two member-focused credit unions that share a commitment to helping people improve their financial well-being, strengthening communities, and delivering the personal service members deserve.
Could You Spot the Scam?
Signs Consumers Should Know.
October 6, 2026
Scammers are increasingly using cryptocurrency and digital assets to steal money from consumers. Their tactics often involve fake investments, online relationships, false promises to recover lost funds, or even impersonating law enforcement officials. The U.S. Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) identifies these schemes as a growing threat to Americans.
Digital Asset Investment Scams
These scams often start with an unexpected text, social media message, or online conversation. After gaining your trust, the scammer promotes a cryptocurrency investment opportunity that promises high returns. Victims are directed to fake websites or apps that appear legitimate but are designed to take their money.
Red flags to watch for include guaranteed returns, pressure to act quickly, and requests to buy or transfer cryptocurrency.
Romance Scams
Some scammers build online relationships for weeks or months before introducing an “investment opportunity.” Once trust is established, they encourage victims to invest in cryptocurrency or digital assets.
You can protect yourself by never sending money or investing based solely on the advice of someone you’ve met online.
Recovery Scams
Already lost money to fraud? Scammers may contact you claiming they can recover your funds for a fee. They often pose as attorneys, recovery specialists, or government representatives. Once paid, they disappear.
Remember, legitimate agencies do not charge fees to investigate or recover stolen funds.
Law Enforcement Impersonation Scams
Fraudsters may pretend to be from the FBI, local police, or another government agency and claim you’re involved in an investigation. They then demand payment through cryptocurrency, wire transfers, gift cards, or even gold.
It is important to know that real law enforcement agencies do not demand
payment through cryptocurrency, gift cards, or precious metals.
How to Stay Safe
Be cautious of unsolicited messages and investment offers.
- Verify who you’re communicating with before sending money.
- Be skeptical of anyone promising guaranteed profits or fund recovery.
- Report suspected fraud immediately to your financial institution and the FBI Internet Crime Complaint Center (IC3).
Source: Financial Crimes Enforcement Network (FinCEN), FinCEN Alert on Money Laundering Activity Associated with Digital Asset Investment Scam Centers (FIN-2026-Alert005), September 2026.
Fraud Awareness & Prevention
August 8, 2026
Financial fraud continues to evolve, and staying informed is one effective way to protect yourself. Our Members’ security is our top priority—and that starts with awareness. Scammers are increasingly sophisticated, often using urgent language or impersonating trusted organizations to gain access. Taking a moment to recognize common red flags can help prevent fraud.
A common threat is “Phishing”, where criminals send emails, texts, or make calls pretending to be from a trusted source. The messages urge you to click a link or “verify” sensitive information. Another risk is Imposter Scams, where fraudsters pose as government officials, law enforcement, or family members, pressuring you to act quickly without verifying. Account Takeover Fraud can occur when scammers gain access to your online banking credentials through weak passwords or compromised information.
A costly and common scheme is the gift card scam. In this scenario, a scammer claims you owe money or need to make an urgent payment and instructs you to purchase gift cards and share the card numbers or PINs. Once shared, the funds are extremely difficult to recover. It’s important to remember that no legitimate business, government agency, or financial institution will request payment via gift card.
Protecting yourself starts with verifying requests and safeguarding your personal information. Use strong passwords, enable multi-factor authentication when possible, and contact your credit union directly if something doesn’t feel right. If FMCU’s members have any questions or concerns, please reach out to us at (256) 237-2113 or visit any branch for assistance—we’re here to help you stay safe and secure.
The Alabama Securities Commission (ASC)
June 3, 2026
The Alabama Securities Commission (ASC) serves as the state’s primary regulatory authority for the securities industry, working to ensure a fair, transparent, and trustworthy financial marketplace. Its mission is centered on protecting Alabama investors from fraud, misconduct, and unethical practices.
At Fort McClellan Credit Union, we encourage our members to utilize the ASC’s website as a reliable and up-to-date resource. The site regularly publishes important news, including updates on legislative changes, emerging scam tactics, and educational materials designed to help investors make informed decisions. Staying informed through trusted sources like the ASC is an important step in protecting your financial well-being.
Stopping Gift Card Scams
July 15, 2025
Gift cards are a popular and convenient way to give someone a present—but they should never be used as a form of payment. If someone asks you to pay them with a gift card, it’s a scam. No exceptions. Scammers often impersonate trusted organizations or individuals to trick you into buying gift cards and giving them the codes.
Here are some common scam scenarios to watch out for:
- The IRS Scam: Someone calls claiming you owe back taxes and must pay immediately with a gift card.
- Tech Support Scam: A caller says they’re from tech support and need a gift card to fix your computer.
- Military Bail Scam: Someone pretends to be a service member needing a gift card to get out of jail or a tough situation.
- Arrest Threat Scam: You’re told you’ll be arrested unless you pay with a gift card.
What You Should Know:
- Gift cards are for gifts, not payments.
- No legitimate business or government agency will ever ask for payment via gift card.
- Once you give a scammer the code on the back of a gift card, your money is gone.
What To Do If You’re Targeted:
If you suspect a scam or have already been scammed, report it immediately at ReportFraud.ftc.gov. You can also learn more about how these scams work and how to protect yourself at ftc.gov/giftcards.
Let’s spread the word and stop gift card scams in their tracks. Share this message with friends, family, and neighbors—especially those who may be more vulnerable to these types of fraud.
Piggy Bank Rewards
July 1, 2025
Looking for a fun and rewarding way to teach your kids about money? Our Piggy Bank Rewards are the perfect way for kids to start learning about finances. This account teaches the value of saving money.
With Piggy Bank Rewards, kids can earn up to $10 in matched savings—twice a year—just for making deposits into their youth savings account. That’s up to $20 a year in bonus savings, simply for building smart financial habits early on.
Deposits made during the months of June and November will be matched up to $10 once per period. The matched funds are deposited into their savings account within two business days.
It’s a great way to encourage consistent saving and help young Members see their money grow faster!
Who’s eligible?
Piggy Bank Rewards are available to qualifying Members age 17 and under. A parent, grandparent, legal guardian, or other approved adult must be a joint account owner to open a Youth account.
Visit any FMCU Branch to open an account today!
Membership required. Qualifying members age seventeen (17) and under are required to have a parent, grandparent, legal guardian, or other approved joint account owner to open a Minor (Primary) share account. Piggy Bank Rewards deposit match is limited to one match, during qualified promotional period, per social security number or other tax identification number. Qualifying members may be eligible for a deposit match (up to $10.00) one time during the months of June and November. Piggy Bank Rewards can only be redeemed in person at a branch during normal business hours. Piggy Bank Rewards will be deposited into the members’ share savings account within two business days. The credit union will pay up to ten ($10) dollars per qualified promotional period. The maximum payout for each period will not exceed ten ($10) dollars, or twenty ($20) dollars per year. Other terms and conditions apply and are are subject to change. For more information call and speak with a representative at 256-237-2113. Federally insured by NCUA.
Escheatment Notice
Each year, Fort McClellan Credit Union is required by the State of Alabama to process escheatment by reporting and remitting abandoned property by October 31.
What is escheatment?
Escheatment is the process by which abandoned assets with a bank or other financial institution are turned over to the state.
Why does escheatment happen?
Assets are considered abandoned when businesses lose contact with the owner(s) after a defined period of time. After three (3) years, assets in the form of cash, stocks, bonds, insurance benefits, or valuables from safe deposit boxes become eligible for escheatment.
- How does FMCU manage abandoned funds?
Funds must meet FMCU’s definition of “inactive” after the following occurs: - No activity has occurred on the account for three (3) years,
- a notification of inactivity is sent annually in April for three (3) years preceding escheatment,
- a letter is mailed to the address on file 60 days prior to escheatment,
- and no response is received from the owner prior to the October 31st reporting date.
After assets become inactive by these standards, they are escheated on the annual date required by the State of Alabama.
How do I reclaim funds after escheatment?
After funds are remitted, they become the property of the State of Alabama.
You can search for funds through the Office of State Treasurer: Unclaimed Property Division at https://alabama.findyourunclaimedproperty.com/
Beware of Misleading Mortgage Postcards from Third Parties
We have been made aware of Members receiving unusual postcards claiming to be important notices about their mortgage. While these cards might appear official, please be aware that this is a scam and they did not come from Fort McClellan Credit Union, or any financial institution.
The postcard reflects a small disclaimer in the bottom corner indicating the sender is “not affiliated with, sponsored by, and loan information not provided by Fort McClellan Credit Union.”
What are These Postcards?
These postcards are actually generated by third-party vendors using public records and vague, possibly alarming language to catch your attention. They often mention “time-sensitive” mortgage information and display a “Mortgage ID#” that does not match any official Fort McClellan Credit Union documentation.
How Do These Companies Get Your Information?
Mortgages are recorded publicly, which means certain details about your mortgage are available in public land records, regardless of the lender you used. Unfortunately, companies can purchase this information and use it to send misleading communications, often hoping to sell you unnecessary services.
At Fort McClellan Credit Union, we’re committed to safeguarding your information and will never sell or distribute your personal details to non-affiliated third parties. We also want to reassure you that these postcards are not from us, nor do they contain any accurate account information from our systems.
Why These Postcards Are Misleading and How to Spot the Signs
These mailings use scare tactics and deceptive practices to get a response. Here are some telltale signs:
- Alarming Language: Phrases like “time-sensitive” or “important matter regarding this loan”.
- Fake Mortgage ID Numbers: These postcards may list a “Mortgage ID#” that does not match any real identifier tied to your Fort McClellan Credit Union account.
- Suspicious Contact Information: The postcards display a phone number unrelated to Fort McClellan Credit Union. Calling this number may connect you to a person or automated system aiming to collect personal information.
What Should You Do if You Get One of These Postcards?
- Disregard It: The best course of action is to treat it as junk mail and dispose of it accordingly.
- Do Not Call the Number: Calling the number may put you at risk of divulging personal or account information.
- Contact Us if You’re Unsure: If you ever have questions or concerns about a mailing you receive, please reach out to us directly. We’re here to assist you, whether you’re wondering about your mortgage or any other account detail. Feel free to call our Member Service Specialists at 256-237-2113.
- Report the Scam: If you’d like to take further action, consider filing a complaint with your state’s Attorney General’s Consumer Protection Division, which handles consumer complaints. Visit https://www.usa.gov/state-consumer to find more information.
Fort McClellan Credit Union is Here to Help
We understand how concerning these deceptive practices can be. Fort McClellan Credit Union is fully committed to ensuring your security and financial well-being. If you ever receive communication that raises suspicion, reach out to us right away. We’re here to confirm what is legitimate and to help you avoid these kinds of scams.
Fort McClellan Credit Union Introduces Refreshed Mission, Vision, and Values
September 3, 3024
Our refreshed Mission, Vision, and Values reflects our deep commitment to supporting the financial well-being of our Members and the communities we have served since 1953.
A Renewed Mission
At the heart of FMCU’s direction is our mission to foster our community by supporting financial well-being for all. This mission underscores our dedication to providing financial education and accessible resources to every member of our community, ensuring that everyone can achieve their financial goals.
Vision for the Future
Our vision to offer the most accessible and innovative Credit Union experience attainable sets an inspiring goal for the future. By prioritizing accessibility and innovation we strive to make our services available to those in our community that want to focus on their financial well-being. This vision includes the adoption of new technologies and the continuous development of Member-centric services.
Values: Inclusion, Compassion, Education
FMCU’s values serve as the foundation of our approach to service.
- Inclusion: We believe in creating an inclusive environment where all Members feel welcome and valued.
- Compassion: The awareness that every Member’s needs are unique and ensuring individuals receive the support they need with care and understanding.
- Education: We are committed to empowering our community with the educational resources they need to make informed financial choices. This includes free online educational materials, in-person presentations on a variety of topics at schools, businesses, churches, etc.; and community workshops and financial health fairs.
A Message from Leadership
“We are humbled to serve our community with our refreshed Mission, Vision, and Values,” said Angela Smith, President and CEO of Fort McClellan Credit Union. “These guiding principles reflect our dedication to our Members and the communities we serve. As we move forward, we remain steadfast in our commitment to fostering financial well-being in the communities we serve.”
The Emergency Fund: A Tool for Financial Well-Being
May 7, 2024
We at Fort McClellan Credit Union are thrilled to announce the launch of our latest product designed to aid in your financial well-being: the Emergency Fund. In today’s unpredictable world, having a safety net for unexpected expenses is more crucial than ever. Whether it’s a sudden job loss, unexpected medical bills, or a home repair, our Emergency Fund is here to help our members weather life’s storms with confidence.
The Emergency Fund account is tailored to assist members in preparing for unforeseen emergencies, offering a reliable resource when the unexpected strikes. With just $5(1), Members can establish their Emergency Fund and start building a financial cushion to safeguard against life’s uncertainties.
One of the key benefits of the Emergency Fund at Fort McClellan Credit Union is dividend-bearing nature(2). Members’ funds are not only secure but also have the potential to grow over time. Our Emergency Fund ensures that your savings work for you, even in times of crisis. Members can withdraw from this account up to (2) times annually without assessing a fee(3).
At Fort McClellan Credit Union, we are committed to empowering our members to achieve financial well-being. With the introduction of our new Emergency Fund, we continue to fulfill our mission of serving our community’s evolving needs. Together, we can face life’s challenges with resilience and confidence.
To view the Emergency Fund rates, we invite you to visit fortmcclellancu.org/deposit-rates/. Our dedicated team is also available to answer any questions you may have and assist you in setting up your Emergency Fund by calling (256) 237-2113 or visiting any of our six locations: Anniston City, Golden Springs, Roanoke, Jacksonville, Ohatchee, and Pell City.
1 $5 minimum opening deposit as disclosed in the Truth-In-Savings disclosure.
2 Minimum deposit to earn dividends is $100. APY-annual percentage yield may vary.
3 Account withdrawal limitations apply, excess withdrawal subject to fee as disclosed in the Schedule of Fees and Charges at https://fortmcclellancu.org/schedule-of-fees/
Creating Accessibility with Par Value Reduction to $5
May 1, 2024
We are delighted to share some exciting news that underscores our commitment to fostering inclusivity and facilitating greater participation within our community. Effective May 1, 2024, we have elected to lower our Par Value from $25 to a nominal $5. This strategic decision embodies our dedication to enhancing accessibility and amplifying the benefits of credit union membership for all.
What is Par Value?
Par Value, in the context of credit unions, symbolizes the foundational value assigned to each share upon initiation of membership. It serves as the initial investment required for individuals to partake in the privileges and opportunities afforded by our cooperative financial institution.
Facilitating Entry and Participation
The reduction of Par Value from $25 to $5 is a deliberate endeavor to diminish barriers to entry and cultivate a more inclusive environment. This initiative not only welcomes newcomers with open arms but also encourages existing members to expand their engagement within our community.
Promoting Financial Well-Being
In making membership more financially attainable, we endeavor to empower individuals to embark on their journey toward financial well-being with greater ease and confidence. Our redefined Par Value represents a commitment to affordability, enabling individuals to access a comprehensive suite of financial services and resources without undue strain on their resources.
Inviting Collaboration and Connection
At Fort McClellan Credit Union, we recognize the value of fostering meaningful relationships and nurturing a sense of belonging among our members. By reducing Par Value, we aim to cultivate a spirit of collaboration and camaraderie, wherein each member feels valued, supported, and empowered to contribute to our collective success.
FMCU Empowers Families Through Financial Eduation at PreSchool Friends
March 25, 2024
As part of our commitment to financial well-being, Fort McClellan Credit Union collaborated with PreSchool Friends, an outreach ministry of Grace Episcopal Church, to conduct a comprehensive series of budgeting classes for parents.
PreSchool Friends is dedicated to equipping families of preschool children with the essential skills needed for school readiness. We were honored to be invited to contribute to this mission by providing valuable insights into budgeting over the course of four Mondays.
Our interactive sessions delved into key aspects of budgeting:
- Understanding Budgets: We started by exploring the fundamentals of a budget, emphasizing its role in financial planning and success.
- Tracking Spending Habits: Participants were encouraged to track their spending for seven days, fostering awareness of their financial habits and identifying areas for improvement.
- Building Healthy Spending Habits: Through open discussions, we tackled the nuances of individual spending habits and shared strategies to cultivate healthier financial choices.
- Embracing Savings: A crucial aspect of financial well-being, we discussed practical ways to save
- money, including a hands-on activity of collecting change for seven days.
- Essential Documents: The final session covered the importance of having essential documents in order, ensuring that participants were well-prepared for unforeseen circumstances.
Our partnership with PreSchool Friends allowed us to contribute to the development of financial literacy within our community and empowered families to make informed decisions and secure their financial future.
Pre-School Friends is a Pre-K for four-year-olds from low to moderate income families and is non-tuition to those families; parent’s attendance in the Parent’s Program acts as their tuition. Those with a four-year-old are welcome to participate by calling Katherine Smith of Pre-School Friends at 256-231-0344.
If you would like Fort McClellan Credit Union to present a financial course or series, please contact us at [email protected].
Important Information - ROANOKE BRANCH ACCESS
June 10, 2021
Due to staffing limitations, FMCU’s Roanoke branch will be serving members primarily through the drive-thru today, June 10th.
As a reminder:
- FMCU’s Virtual Branch and Mobiliti app are available 24/7. Log in online at fortmcclellancu.org or download the app from the Apple Store or Google Play store.
- Members may deposit checks using our new Remote Deposit Capture feature which can be accessed on FMCU’s Mobiliti app by clicking the “Deposit” tab.
- With FMCU’s AutoTeller, members can perform transactions from their credit union account 24/7 by calling us at (256) 237-2113.
If you have any questions or concerns, please call us at (256) 237-2113. We apologize for any inconveniences this may cause, and we appreciate your support of Fort McClellan Credit Union!
Important Information - DIGITAL SERVICES
May 3, 2021
We are pleased to announce that our digital services including Online Banking and Mobiliti are now available! We appreciate your patience with us as we navigate our new system.
If you have any questions or concerns, please call us at (256) 237-2113, and our team will be happy to assist you. Thank you for being a valued member of Fort McClellan Credit Union!
Important Information - ROANOKE BRANCH ACCESS
January 11, 2022
Due to staffing limitations, FMCU’s Roanoke branch will be serving members primarily through the drive-thru until further notice.
As a reminder:
- FMCU’s Virtual Branch and Mobiliti app are available 24/7. Log in online at fortmcclellancu.org or download the app from the Apple Store or Google Play store.
- Members may deposit checks using our new Remote Deposit Capture feature which can be accessed on FMCU’s Mobiliti app by clicking the “Deposit” tab.
- With FMCU’s AutoTeller, members can perform transactions from their credit union account 24/7 by calling us at (256) 237-2113.
If you have any questions or concerns, please call us at (256) 237-2113. We apologize for any inconveniences this may cause, and we appreciate your support of Fort McClellan Credit Union!
Important Information - ROANOKE BRANCH ACCESS
June 10, 2021
Due to staffing limitations, FMCU’s Roanoke branch will be serving members primarily through the drive-thru today, June 10th.
As a reminder:
- FMCU’s Virtual Branch and Mobiliti app are available 24/7. Log in online at fortmcclellancu.org or download the app from the Apple Store or Google Play store.
- Members may deposit checks using our new Remote Deposit Capture feature which can be accessed on FMCU’s Mobiliti app by clicking the “Deposit” tab.
- With FMCU’s AutoTeller, members can perform transactions from their credit union account 24/7 by calling us at (256) 237-2113.
If you have any questions or concerns, please call us at (256) 237-2113. We apologize for any inconveniences this may cause, and we appreciate your support of Fort McClellan Credit Union!
Important Information - DIGITAL SERVICES
May 3, 2021
We are pleased to announce that our digital services including Online Banking and Mobiliti are now available! We appreciate your patience with us as we navigate our new system.
If you have any questions or concerns, please call us at (256) 237-2113, and our team will be happy to assist you. Thank you for being a valued member of Fort McClellan Credit Union!