Tools and Resources
  • Financial Fitness
  • Security Center
  • Calculators
  • Disclosures
  • Forms
  • MEMBERS Financial Services
  • Loan Modification
Get Financially Fit!

We're concerned about the financial well being of our members. Whether you're interested in developing a workable budget, getting out of debt, taking a look at your credit report, buying a home, or planning for your financial future, we want to help. That's why we've provided access to free financial education and confidential financial counseling through the BALANCE Financial Fitness Program.

To speak to a financial counselor
Call:
(888)456-2227

Mon.-Thurs. – 8am-11pm
Friday – 8am-8pm
Saturday – 11am-8pm

Email: info@balancepro.org

Please do not email any sensitive information including your account numbers or social security number.

Money Management
Take a closer look at your spending and savings plan, and develop a plan of action to reach your financial goals.
BalanceTrack®
Various self-guided modules designed to help you develop a thorough understanding of the core aspects of financial management.
Credit Report Review
A counselor will review your report with you, making sure you know your rights. BALANCE can even provide a low-cost credit report.
Informational Webinars
Join us online for free informational webinars. They are scheduled throughout the year, so you can reserve your seat in advance.
Financial Worksheets
Helpful worksheets intended to assist you in locating where your money goes and what can be done to achieve your financial goals.
Checklists & Charts
Resourceful checklists and charts that can help you organize your finances. Just download, print, and fill them out.
Publications
Read over financial education publications covering a wide array of topics. With new content added every month.
Podcasts
Informative audio podcasts designed to help you understand many of the essential elements of personal finance.
Have you lost your job or had your hours cut? Are you worried about paying your mortgage? If so, you are not alone. Currently, millions of Americans are struggling to make ends meet. The following articles provide information to help you survive the financial crisis.
The online budgeting tool that helps create a spending plan, break the debt cycle and use your money for what's most important to you!
  • Introduction
  • Current Member Alerts
  • ATM Safety Tips
  • ID Theft Information
  • Phishing Information
Security Center

We value the trust you place in us. We will remain vigilant and committed to protecting our members from fraud of any kind. Our Security Center will feature security alerts regarding current threats being perpetrated in our community so our members don't unknowingly fall victim to identity theft, phishing scams, etc. We encourage our members to educate themselves about security and to use the fraud protection tips we've provided.

Although we have monitoring systems in place to detect and prevent fraud, it is always a good practice to monitor your account closely for unusual activity. If you are concerned about the possibility of fraud, call Member Services at (407)-896-9411 or (800)-771-9411 outside Orlando, option 3.

Current Member Alerts

Stay informed of suspicious activity that could affect people in Central Florida.

February 27, 2014: Apple iOS Security Flaw Prompts Patch Advice

Apple announced a significant security flaw affecting literally hundreds of millions of iPhones®, iPads® and iPod Touches® running iOS 7, the latest version of the company’s mobile operating system. Baked into the system was a flaw that allowed an attacker, under certain circumstances, to intercept and read in plain sight traffic the users thought was encrypted via Secure Socket Layer technologies. That would include email, tweets, Web browsing and, potentially, mobile banking sessions that occur within the Web browser.

Mark Bower, a vice president at Voltage Security, elaborated: “For quite some time, attackers with knowledge of this bug had the ability to mount man-in-the middle attacks to users operating Apple devices. This could have allowed interception or modification of SSL communications which are supposed to be private and encrypted.”

Experts appear divided as to whether this flaw also impacted traffic via apps, such as mobile banking apps. On Friday, Apple issued a patch that it said fixed the problem on iPad®, iPhone® and iPod Touch®. However, the company also indicated that a related flaw exists in its OS 10 operating system for desktop and laptop computers. No patch has been issued so far, although Apple has indicated that one is imminent. Note, too, the SSL attack can occur only when the hacker has control over a WiFi network (typically a public network) or has erected a rogue cellular network (technically doable but sophisticated and rare). This requires significant skill on the part of the attacker, said experts.

Users who never access public WiFi probably have nothing to fear, said most experts. Experts also, unanimously in this reporter’s poll, urged Apple mobile device owners to download the security patches as soon as possible. Experts also suggested that financial institutions such as credit unions alert their members who use Apple devices to the need to download the patch, which is free.

January 21, 2014: NCUA Warns about Telephone Fraud

The National Credit Union Administration today warned consumers to beware of a new telephone fraud, known as a “vishing” scheme, that is using the agency’s name in an attempt to obtain personal financial information. Several credit union members have been contacted by an automated phone call claiming to be from NCUA and notifying consumers their debit cards have been compromised. The call then asks the receiver to follow prompts, which request personal information, including sensitive financial data and personal identification information.

Anyone contacted by this so-called “vishing” scheme should immediately contact NCUA’s Consumer Assistance Center Hotline at 800-755-1030 or by email at phishing@ncua.gov to report the scam. Operators answer calls Monday through Friday between 8 a.m. and 5 p.m. Eastern.

NCUA neither seeks personal information from consumers over the telephone nor handles day-to-day maintenance of member account information. NCUA works with law enforcement agencies, including the FBI, to protect consumers from frauds of this nature. NCUA urges consumers to never verify or release personal financial information to unknown callers.

December 19, 2013: Major Retailer Security Breach

Target recently announced a security breach involving debit and credit cards used to make purchases in their stores between November 27 and December 15, 2013. Click here for more information.

On a daily basis, we receive listings of compromised debit and credit cards from Visa and MasterCard. Our standard procedure is to reissue cards identified on the reports and follow up with a letter to explain why a new card was issued. In addition, we closely monitor card activity for possible fraud. If we identify a problem, we communicate with the affected cardholder and place additional protective measures on their account(s). If we are notified of a problem on your card, we will then implement the above process.

It is always prudent to monitor your accounts frequently for unauthorized transactions, and contact us at 407-896-9411, or 1-800-771-9411 outside Orlando, option 3, if you see suspicious activity on your account.

November 6, 2013: CryptoLocker Ransomware Infections

Please be advised, CryptoLocker appears to have been spreading through fake emails designed to mimic the look of legitimate businesses and through phony FedEx and UPS tracking notices. As of this time, the primary means of infection appears to be phishing emails containing malicious attachments. The malware has the ability to find and encrypt files located within shared network drives, USB drives, external hard drives, network file shares and even some cloud storage drives. To protect yourself from the CryptoLocker infection do not follow unsolicited web links in email messages or submit any information to webpages in links and use caution when opening email attachments. Refer to the Recognizing and Avoiding Email Scams (pdf) document for more information on avoiding email scams.

July 29, 2013: PHISHING ALERT

CFE is receiving multiple calls from members who are receiving phone calls from an automated message stating that their card has been compromised and asking the member to press 1 to activate their cards. These telephone calls are not from CFE. There are several phone numbers listed below that have been reported to us from our members and we have had more than 20+ calls from the Call Center thus far regarding this.

XXX-865-6696, 000-000-0000, 615-378-6237, 999-999-9999, 352-274-9332, 609-997-0176, 301-927-2683, 310-262-9872

If you receive a similar call, please contact CFE at (407) 896-9411, option 3.

You can report phishing to the US government by sending an email to phishing-report@us-cert.gov.

“Phishing is an illegal attempt to obtain important personal information, such as usernames and passwords. Learn how to protect yourself from the various forms of phishing.”

August 22, 2012: Money Mule Scam

A number of credit unions have reported that their members are being recruited as money mules by fraudsters. Money mules unknowingly assist fraudsters in laundering stolen funds. The source of the stolen funds received by the money mules is often from account takeovers at other financial institutions through online banking systems.

In one case, a credit union member was recruited to assist a foreign company in purchasing heavy construction equipment. The fraudsters deposited the stolen funds to the member's account via wire transfer. The member even received a bogus purchase invoice for the equipment from the fraudsters. The member was instructed to wire the funds to the equipment manufacturer's account, which turned out to be a fraudulent account opened by the fraudsters. The deposits made to the money mule accounts via ACH and/or wire transfer were actually stolen from deposit accounts at other financial institutions and investment accounts held at brokerage firms. Using sophisticated banking Trojans, such as Zeus, fraudsters steal the login credentials of online banking users and investors who access their investment accounts online. The fraudster logs into the account and transfers funds via ACH and/or wire transfer to the money mules' accounts.

If you or someone you know is falling victim to the money mule scam, contact our Risk Management department by calling (407) 896-9411 or (800) 771-9411 ext. 2357 or email RiskManagement@mycfe.com.

August 9, 2012: Fraudulent Emails from Sprint

Any members participating in the Sprint Credit Union Member Discount program should be on alert. Sprint has been notified recently that there may be members receiving emails that claim to come from Sprint in an attempt to collect on a bill for mobile service. These are fraudulent emails. Sprint is currently investigating a phishing scheme involving bogus email disguised as a Sprint e-bill (online bill) notification. These emails are being sent to both Sprint and non-Sprint customers and will look like they have come from Sprint. The phony emails will notify the customer of an unusually high balance due.

Anyone who receives an email of this nature should not click on any links in the email and delete the email immediately. If you think you or someone you know has given out personal information about a Sprint account (such as a Sprint account number, online profile name, password, or PIN), or typed it into a website that may not be legitimate, immediately contact Sprint at 888.211.4727. Dial *2 from your phone. Sprint will take steps to help secure your account. For more information about this phishing scheme, contact CU Solutions Group Sprint Partnership Director Lisa Treat at 800.262.6285, ext. 523 or email Lisa.Treat@CUSolutionsGroup.com.

June 12, 2012: Sweepstakes Scam Alert

Please be advised, a telephone scam emerged last month promoting a "sweepstakes" by the Consumer Financial Protection Bureau, promising prizes up to $1.5 million after the consumer pays "taxes." The scammers try to trick the intended victim into cashing a fraudulent check in order to send a portion of it to them. The CFPB does not host sweepstakes and will never ask you to send us money in exchange for us sending you money in return.

Furthermore, sweepstakes sponsored by CFE FCU (and/or UCF FCU, a division of CFE FCU), never require the winner to pay taxes up front, and we do not collect taxes. Depending upon the prize amount, we issue winners a 1099 form at the end of the year for income tax reporting purposes. We never collect personal information over the phone. We provide a winner's affidavit to the member and ask that it be returned securely, preferably in person. If in doubt it is always best to contact your financial institution and inquire of the validity of any contest.

May 30, 2012: Local Vishing Attempts

On May 25, our Member Service Center reported at least 12 "vishing" calls that were received by members. Vishing is the criminal practice of using social engineering over the telephone system, most often using features facilitated by Voice over IP (VoIP), to gain access to private, personal and financial information from the public for the purpose of financial reward. The term is a combination of "voice" and phishing. Please remember that we will never contact you attempting to gain access to private, personal and financial information. If anyone is attempting to gain access to your information, please contact us immediately.

February 3, 2012: Fraud Alert: Phishing attempts are on the rise!

NACHA continues to receive reports that individuals and/or companies have received a fraudulent e-mail that has the appearance of having been sent from NACHA. These emails vary in content and format, and appear to be transmitted from email addresses associated with the NACHA domain (@nacha.org). Some bear the name of fictitious NACHA employees and/or departments. NACHA does not send communications to individuals or organizations about individual ACH transactions that they originate or receive. NACHA has requested that you please forward fraudulent emails claiming to be from NACHA to abuse@nacha.org.

Other phishing attempts have surfaced that spoof the Federal Reserve Bank, the FDIC, and even some Regional Payments Associations as the sender. Like the emails purporting to be from NACHA, these emails typically claim that a recently-initiated transaction was cancelled. The links in these fraudulent emails are directed to web pages that host malicious code and software. Do not follow web links in unsolicited e-mails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual. If malicious code is detected or suspected on a computer, consult with a computer security or anti-virus specialist to remove malicious code or re-install a clean image of the computer system.

January 31, 2012: Publishers Clearing House Scam

ConsumerAffairs.com is warning consumers about a phony Publishers Clearing House Sweepstakes scam in a recent article. Criminals are notifying victims through the mail that they have won a large amount of money from the Publishers Clearing House Sweepstakes. The letter asks the victim to call the suspects of the scam. When the victim calls the suspects, they tell them that they need to pay the taxes on the winnings (usually around $15,000) before they can collect the prize. The sweepstakes scam is one of the older schemes designed to separate consumers from their money. Sweepstakes "winners" should never send money to "claim their prize."

January 25, 2012: Ramnit Worm is Evolving

Ramnit is a worm, which means, unlike malware, it can spread to other computers without being sent through e-mail or a malicious website.

Researchers at Seculert say the Ramnit worm, which last year defeated two-factor authentication measures used to protect online banking accounts and corporate networks, is now targeting Facebook. Lab researchers working for the Israel-based provider of cyberthreat management services say Ramnit has been linked to the compromise of more than 45,000 Facebook log-in credentials, primarily hitting users in the United Kingdom and France. "We suspect that the attackers behind Ramnit are using the stolen credentials to log in to victims' Facebook accounts and to transmit malicious links to their friends, thereby magnifying the malware's spread even further," says a blog posted on Seculert's website Jan. 5. "In addition, cybercriminals are taking advantage of the fact that users tend to use the same password in various web-based services (Facebook, Gmail, Corporate SSL VPN, Outlook Web Access, etc.) to gain remote access to corporate networks."

In August 2011, security vendor Trusteer was the first to discover Ramnit's merger with the Zeus variant designed to target online banking accounts. The Ramnit-Zeus hybrid was superior because of its advanced man-in-the-browser capabilities, which enabled it to steal online banking and corporate log-in credentials. The Ramnit hybrid bypassed two-factor authentication, and between September 2011 and December 2011, Trusteer estimated that some 800,000 machines had been infected. Amit Klein, chief technology officer of Trusteer, says Seculert's new findings show how quickly Ramnit is evolving to use multiple distribution vectors. "The combination of file infection, social network propagation and man-in-the-browser capabilities creates an aggressive threat," he says. Ramnit's man-in-the-middle looks like an actual social-media or bank-account sign-in page that captures a user's ID and password, and sometimes other personal information en route to the actual log-in page. The difference, however, is that the page in the middle captures authentication data and allows the attacker to gain access to the victim's accounts at will.

A Call for Multifactor Authentication
Bill Wansley an analyst at Booz Allen Hamilton, says every organization should take Ramnit's rapid evolution as a sign that outdated authentication measures are no longer effective. "Everyone needs to go to multifactor authentication - like Google has recently - for social-media sign-in, and certainly for anything that is for financial or medical-related accounts," Wansley says. Passphrases are better than passwords, but multifactor authentication is the new standard. "Nobody should be using their social-media passwords or phrases for their financial accounts," Wansley says. In the financial space, cybercriminals increasingly use older malware to capture individual passwords and personal information that is later exploited to gain access to financial accounts. Ramnit is actually an older malicious code that has been updated with new features to achieve other purposes.

December 7, 2011: Phishing Attacks Using NACHA

The FBI is warning consumers and businesses about a new malware attack known as, Gameover, which may be able to overcome multi-factor authentication security programs. To avoid being a victim, watch out for any emails purporting to come from NACHA, The Electronic Payments Association. If you receive a suspicious email from NACHA do not open or click on any links in the message, delete it.

September 22, 2011: Caller ID makes scammers look legit

Caller I.D. has changed the way many people answer their phone. Many of us check the caller ID before answering the phone. Now, scam artists are using the caller ID of legitimate businesses when calling potential victims. "What they'll do is they'll 'spoof' their caller ID and it does appear a legitimate number," said Hernando County Sheriff Al Nienhuis. At least ten people have been called in Hernando County since last Friday by scam artists using the caller ID of the Suncoast Schools Federal Credit Union and Access Health Care. Investigators say it's unclear exactly how the scammers were able to use the caller ID of two local businesses. "We're not prepared to say whether it was an internal employee or whether it was a cyber breach," Sheriff Nienhuis said. In the meantime, the Suncoast Schools Federal Credit Union has issued a fraud alert and warns people on its web site to be careful. "It's a very sophisticated process that's in place," according to the Credit Union's Jim Simon. "Unfortunately as technology evolves, we all benefit from technology, but the fraudsters are using it to their benefit as well." The Hernando County Sheriff's Office is asking anyone with information about the scam to contact Sgt. Jeff Kraft at (352) 754-6830.

September 21, 2011: Phishing Alert Email Claiming to be From NACHA

NACHA — The Electronic Payments Association has received reports that individuals and/or companies have received a fraudulent e-mail that has the appearance of having been sent from NACHA.

The fraudulent emails typically make reference to an ACH transfer, payment or transaction and contain a link or attachment that infects the computer with malicious code when clicked on by the email recipient. The contents of the fraudulent emails vary with more recent examples including a counterfeit NACHA logo and the citation of NACHA's physical mailing address and telephone number. Do not click on the link or attachment as it is fraudulent. See sample below.

Sample Fraudulent E-mail

From: ach@nacha.org
Sent: Monday, September 19, 2011 6:17 AM
To: Doe, John
Subject: ACH payment canceled

The ACH transfer (ID: 647702636227), recently initiated from your bank account (by you or any other person), was rejected by the other financial institution.

Canceled transfer

Transaction ID:
647702636227

Reason for rejection
See details in the report below

Transaction Report
report_647702636227.pdf.exe (self-extracting archive, Adobe PDF)

13450 Sunrise Valley Drive, Suite 100 Herndon, VA 20171 (703) 561-1100
2011 NACHA — The Electronic Payments Association

July 14, 2011: Fraud alert regarding fake e-mail messages from the Online Security Department

Some financial institutions have reported receiving fraudulent e-mail messages from the Online security department, Federal Reserve System that appear to be sent from a treasury.gov or federalreserve.gov e-mail address. The e-mails reference new changes for wire transfers and instruct recipients to click on a link. These e-mails were not sent by the Federal Reserve Banks. The Federal Reserve Banks do not communicate directly with businesses or consumers. Do not click on the links contained in these types of e-mails and to delete them immediately.

July 12, 2011: Fraudulent Letter Being Faxed to Small Businesses

Please be advised, a fraudulent letter, purportedly from Equifax, is being sent to small businesses in Alabama asking for financial information. The letter states that the business has money from the U.S. Government, but it can't be sent to the business until some financial information is forwarded to Equifax. However, the letter is not actually from Equifax.

The League of Southeastern Credit Unions has not heard from any credit unions that have received the letter or if any small business members have received the letter via fax. Credit union members should be aware that this letter is being sent to small businesses. View a copy of letter.

ATM Safety Tips

NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful.

  1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
  2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
  3. Compare your records with the account statements you receive.
  4. Don't lend your ATM card to anyone.
  5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
  6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
  7. Prevent others from seeing you enter your PIN by using your body to shield their view.
  8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
  9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
  10. Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
  11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later.
  12. Don't display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding.
  13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
  14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

ID Theft Information

Identity (ID) Theft is when a person uses your information, such as your name and social security number, to commit fraud or other crimes. Learn more to keep yourself protected from ID Theft.

Phishing Information

Phishing is an illegal attempt to obtain important personal information, such as usernames and passwords. Learn how to protect yourself from the various forms of phishing.

Does the credit union ask for information via emails?
We have never and will never use email to request account information such as account numbers, credit card numbers, social security numbers, PIN codes, or any other personal identifiers. We will not ask you to join a security protection plan via email.

How do I report a phishing email?
If you receive a request for any personal information by email, forward the email to: Info@mycfe.com. Then delete the email. Do not respond to it or click on any links within the email.

  • Introduction
  • Home Financing
  • Personal Financing
  • Investment
  • Retirement
  • Lease

Calculators Introduction

We offer a large number of online calculators to help you with a variety of financial topics such as: "Should I refinance?", "How much car can I afford?", "How long will it take to pay off my loan?", "How much should I save each month?", "How much do I need to fund my retirement?", and many more financial calculators for topics related to:

  • Home Financing
  • Personal Financing
  • Investment
  • Retirement
  • Lease

Forms

  • Automatic Transfer Form
    Use this form to schedule automatic transfer of funds from one account to another, or to transfer loan payments from your savings/ checking account to pay your loan.


  • Balance Transfer Request for Credit Card
    Use this form to transfer balances from another creditor to your Platinum credit card. We will pay the creditor you list on this form the amount you specify up to your credit limit. The minimum transfer amount is $200.00. There is no fee to transfer balances, but it will be treated as a cash advance on your statement and incur finance charges immediately. You can also complete a balance transfer request online in MATT Web.


  • Change of Address Form
    Moving? We are making it even more convenient to keep your credit union information up to date. Use this form for address, phone number, and email address changes. You can also easily update your address online in MATT Web. Simply log in and click on "Settings" then "Contact Information."


  • Close Account Form
    Need to close an account? This form will guide you through the process.


  • Cross Account Transfer Request
    Would you like to be able to transfer funds from your account to another member's account? Use this form to sign up for this feature. Both account holders must sign to authorize the transfer.


  • Direct Deposit Form
    Would you like to have your check automatically deposited to your account? Fill out this form and return it to any branch. If your employer will accept the form without a signature from a representative of the credit union, then simply bring the form directly to your payroll office.


  • Express Application
    Apply for a credit card, boat, auto, etc. with this application and then fax it to (407) 333-7920. Don't forget you can apply for a loan online by using Web Loan, in MATT Web, too!


  • Membership Account Application
    Need to open an account? You can quickly and securely open an account online or you may print this document and bring it in to any of our branches to open an account today.


  • OCPS Direct Deposit Authorization
    If you work for Orange County Public Schools, having your payroll check automatically deposited into your account is convenient and saves you time.


  • Overdraft Protection Enrollment Worksheet
    Use this form to authorize your accounts for overdraft transfer protection.


  • Remove Joint Application
    Use this form if you are a joint member on an account and wish to be removed from the account. (This form must be notarized or witnessed in the branch.)


  • Stop Payment Requests for Checks and ACH
    Use this form if you want to place a stop payment on a check or an electronic transaction (i.e. automatic payment to a vendor). You can also perform this function online in MATT Web.


  • VISA Cardholder Dispute
    Use this form if you are disputing a Visa debit card purchase or charge.
  • MEMBERS Financial Services
  • Complimentary Seminars

MFS

Make the most of your investments!

The MEMBERS Financial Services program has one objective: to help you reach your financial goals. The program works in cooperation with the credit union to help you make sound financial decisions. Consider attending a complimentary seminar to learn more.

  • Plan your financial future
  • Manage your investments
  • Fund your children's education
  • Retire more comfortably
  • Protect your assets

Take a minute to consider your various financial goals, from sending your kids to college to purchasing adequate life insurance to retiring. We can help! We provide a range of products and services that can be tailored to your unique needs. For a no cost, no obligation meeting, contact a MEMBERS Financial Services Representative. Call (407) 228-7600 to set up your appointment or click the "Contact Me" button.

Cheryl M Macartney
Financial Advisor
(407) 228-7600
1823 N Alafaya Trail
Orlando, FL 32826


Julio J Diaz
Financial Advisor
(407) 228-7600
950 9th Street
Winter Garden, FL 34787


Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.

FR071302-CDEE

Complimentary Seminars

Learn to make sound, educated financial decisions that will afford you the opportunity to fulfill your financial goals. MEMBERS Financial Services offers complimentary workshops and seminars. These seminars are open to the public, so feel free to invite a guest!

Retirement Planning
April 8 • 6-7PM • Kissimmee Branch (708 E. Vine Street • 34744)
April 10 • 6-7PM • Fern Park Branch (215 Oxford Road • 32730)


This seminar will help you understand the amount of income you will need during your retirement years to support the lifestyle that you want. We will teach you how to position your assets to provide that income. As you approach or enter retirement, your mindset needs to begin to move from accumulation to distribution.


Retirement Planning
June 18 • 6-7PM • Lake Mary Branch (1000 Primera Blvd.• 32746)

This seminar will help you understand the amount of income you will need during your retirement years to support the lifestyle that you want. We will teach you how to position your assets to provide that income. As you approach or enter retirement, your mindset needs to begin to move from accumulation to distribution.


Women and Money
October 14 • 6-7PM • East Orlando Branch (1823 N. Alafaya Trail • 32826)

This seminar will help you learn to be careful, competent, and disciplined long-term investor. We can help you attain the financial security you seek for yourself and those you’re close to. We’ll focus on the importance of taking control of your own future through investing.


Social Security
December 4 • 6-7PM • Weber Branch (1200 Weber Street • 32803)

Your plans for drawing social security are a critical financial decision. Knowing the “rules of the road” can make a big difference in the success of your retirement journey. We’ll explain the correct timing of starting social security and options for you and your spouse to coordinate your income plans to make the most out of your benefits.


Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America.

FR011430-A3BA

  • Loan Modification
  • Request Loan Modification
  • Confidential Counseling
  • Hardest Hit Fund (HHF)

Loan Modification

Have changes in your financial circumstances made it difficult to meet your financial obligations or are you concerned that you may fall behind?

Life doesn't always go according to plan, and when the unexpected happens a financial hardship can result. Our promise is to always be there with each step along the individual financial paths of our members, especially during the difficult times. We have a genuine concern for our members' financial well being, and we've developed programs that may help you get back on track.

What is a Loan Modification?

When a significant life event occurs resulting in a financial hardship, we will evaluate the member's current financial position to determine if the loan(s) can be modified for a more affordable monthly payment. Loan products that are eligible for restructuring include:

  • Auto loans
  • Unsecured loans
  • Credit cards
  • First and second mortgages
  • Home equity lines of credit
  • And other consumer loans

Valid Hardship Reasons:

  • Significant reduction in income
  • Job loss
  • Illness/Medical expenses
  • Disability
  • Divorce
  • Failed business
  • Death of spouse or co-borrower
  • Natural disaster

Request Loan Modification

Below are a set of printable checklists based on the type of loan(s) that you may have with us. They will serve as a guide to help you gather the necessary information and documents that will be required for us to assist you. Although we cannot promise that we will agree to modify your loan(s), we do hope to find a solution that is acceptable to you and to us.

Once your required documentation is gathered, you can submit the packet by dropping it off at any branch or you may fax it to our Loss Mitigation department at (407) 893-5723. After the information is received, someone from the Loss Mitigation department will contact you within 3 – 5 business days.

We hope to have a decision within 30 days of receiving your information. If you have questions regarding your modification assistance, email us at LossMitigation@mycfe.com.

Please note: If a modification is granted the following will apply:

  • All available open lines of credit will be closed
  • Courtesy Pay will be suspended
  • No new loans will be granted until the modified loan(s) have passed certain provisions
  • Your credit bureau will reflect that payments are being made under a modified payment plan

Confidential Counseling

We want to help you achieve your financial goals, whether that means getting out of debt, sending the kids to college, or retiring. We've established a partnership to make sure you have access to comprehensive, confidential financial education and counseling.

We have partnered with BALANCE, a financial education and counseling service to provide our members with the resources to be financially successful. Through BALANCE, members will receive free, unbiased information and assistance.

In many cases BALANCE counselors can answer your questions immediately. If you're wondering how long something stays on your credit report, then you'll get the answers as soon as you call. For more complex issues, like debt or money management, an appointment will be scheduled – allowing enough time to go over your budget and discuss options.

Appointments are available weekdays, evenings, and weekends. The average counseling session lasts approximately one hour, and there is no limit on the number of sessions you may have. To schedule an appointment, call (888) 456-2227 or email info@balancepro.org.

Counselors are qualified to discuss general money management, credit and housing topics including goal setting, spending and savings plans, credit and credit reports, debt management, mortgage delinquency, and foreclosure prevention. Each session is goal oriented and results in a written action plan clearly outlining the steps you and your counselor decide to take in order to establish personal financial control.

Here are some BALANCE courses and publications to help:

Hardest Hit Fund (HHF)

The US Treasury has created a fund, entitled the "Housing Finance Agency (HFA) Innovation Fund for the Hardest-Hit Housing Markets", to assist qualified homeowners in foreclosure prevention. CFE Federal Credit Union filed with the Florida Housing Finance Corporation as a participating servicer/lender, but the State of Florida determines who qualifies for assistance.

To see if you qualify and to apply:
Homeowners in Florida can submit applications via the Hardest Hit Fund (HHF) website: https://www.flhardesthithelp.org

Two program options:

  • The Unemployment Mortgage Assistant Program (UMAP)
  • The Mortgage Loan Reinstatement Payment Program (MLRP)