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EMV Chip Technology

Introducing EMV® Technology: The New Standard in Card Security

What is an EMV Chip Card?

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Still have more questions? Contact your local branch and ask to speak to a representative for more information.

 

Credit, debit and ATM cards with embedded EMV® chips have been protecting consumers around the world from fraudsters for a number of years. Now they’re becoming the new standard for security here at home, as well. When you receive an EMV-enabled card, here’s what you need to know:

  • The new cards are nearly impossible to counterfeit and do everything magnetic stripe cards do but even more securely; plus, you are still protected.
  • EMV transactions provide another layer of fraud protection, on top of all the security measures already in force.
  • Your new cards will include both the EMV chip and the conventional magnetic stripe, enabling your cards to work at all merchants that accept cards.
  • It’s as easy as 1, 2, 3 to use your card at an EMV-equipped merchant, simply:
    1. Insert the chip end of your card in the EMV terminal.
    2. Keep the card in the terminal, follow the prompts and enter your PIN or select CREDIT.
    3. Remove your card, take your receipt – and possibly sign a copy if you selected CREDIT.
  • If you travel abroad, carrying your new card will let you make transactions easily at thousands of merchants where EMV is required.

How does an EMV Chip Card work?

EMV-enabled cards have been in use worldwide for a number of years, especially in Europe. So if you travel abroad, your new cards will seamlessly work in more places. The new cards also will have a conventional magnetic stripe—which means you’ll find it’s still business as usual at merchants who aren’t yet EMV-equipped.

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Current Rates

Savings Secured

Up to 60 months

4.00

%
APR*
Credit Cards

as low as

7.92

%
APR*
Home Equity

Fixed Rate

5.25

%
APR*
Auto Loans

Up to 72 months

3.24

%
APR*
Motorcycle

as low as

4.74

%
APR*
Personal Loans

as low as

8.25

%
APR*
Boats or RVs

as low as

5.25

%
APR*
* Interest rate is based on the loan term and credit score.

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