internet Computing Solutions
Credit Union Website Hosting:
For Credit Unions!!! CU
Finance News and Tools - Financial
Articles, Calculators and Newsletters to help you with your financial
Financial Articles are easy-to-understand information docments about related
financial concepts and strategies that covers topics such as Estates &
Trusts, Retirement, Tax Planning, Investing, Cash Management, and Risk
Management. Use the articles to start learning how to manage your finances
can print these articles and create your own financial referance guide.
Financial Calculators are designed as educational tools to help you estimate
answers to common financial questions. You can use these calculators to
help you with Loans & Credit Cards, Estate Planning, Retirement &
Inflation, Taxes & IRA's, Saving & Investing, Cash Management,
and Risk Management.
Our Financial Newsletters are designed to provide timely and helpful information
on a wide variety of financial topics. You can use these newsletters to
help you learn more about topics such as Insurance, IRA's, Risk, Jobs,
Buying & Selling, Mutual Funds, Credit, Long-Term Care, and many more
topics. There are Six New newsletters every month. You can print these
newsletters and create your own financial reference guide.
and newsletters that are displayed have no advertisements so it's a perfect
resource for your members and is credit union friendly information. The
cost for this service is $199 setup and $15 per month ($180 annually).
take a look at the demo site by clicking on the link above. If you
interested in including this service with your website give us a call
or complete our feedback form and we will
have your site set up TODAY! We will setup a page that will open the link
to the calculators and news articles with your credit unions logo and
header information on that page along with the calculators, newsletters
Appplications for Loans and other apps.
your online apps or forms are not SECURE, the auditors will see
a major problem. We have a secure website application database program
available. This database includes a loan app that your members can
so that you can access it online, SECURELY via an SSL page. This database
can also be used for other customer forms and apps as you need them.
don’t have to purchase an additional SSL certificate to use this
service. We provide a shared SSL for your forms and online apps. The
for this service is $199 onetime setup fee and just $15 per month ($180
annually). There is no limit on the number of applications that you
receive through this database. If we host and maintain your website there
is no additional monthly fee for this service.
Here to see a demo of the loan application. If you would like to see
the Credit Union Management side of the database, please complete our
feedback form and be sure to ask about the
CU Loan Apps. The CU Management is where you would log in to view your
apps and print them in a secure manner.
CRI Criterion / Interlend
If you are a credit union that currently uses the Criteion Program and
Interlend we have a different, and more robust Loan App Service that
can be integrated into your Criterion Program and/or nearly any other
Data Processing system. It can also be used by any other credit union
as well for their general loan app in place of the one above. The biggest
difference between these two loan app services is that the CUSecureApps
service is somewhat more user friendly. The data entry is borken up
into more defined pages so the user isn't overwhelmed, such as: Applicant/Loan
Info, Address/Employer, CoApplicant (only if selected), Debts, Questions.
The overall application takes on average about 10 to 12 minutes to complete.
When the first screen
is completed and the user clicks the submit button, it will send
a notification email to your Credit Union Loan Officer(s) to let
them know that an app is being initiated. We are sending this first
message instead of waiting until the member completes all of the
info because of the potential that a user might get distracted or
pulled away from their pc while completing the app and then possibly
forget to come back to it. So with the information on the first screen
complete, the Loan officer could still process a loan and have a
tentative answer ready for the member in a just few minutes, possibly
even before the member was to finish completing the rest of the info
After the user submits all of the screens online (4 or 5) another email
is sent telling your loan officer(s) that the app is complete. They
then can log into the Secure Online Application Management Program to
View, Print and then Delete the apps from the online database.
You can use the back
end management program to View, Print and then Delete the apps. Even
though several of the fields, ie SSN, DOB, and Address info is obfuscated
before storing in the database and the SSL connection from the end-user
to the database ensures the data is transmitted securely, we still
recommend that you remove the data from the database once you're
done with it.
We also have the
ability to add your individual Loan Types, terms and any associated
disclosures to the online loan app. Instead of the CU having to send
out the Credit Card disclosures or any other disclosures to the member
as soon as they receive the online loan app, and then waiting for
the members approval to the terms and disclosure, we now have the
ability to customize your loan type and terms into the loan app itself,
and have the disclosures available online at the point of the member
applying for the loan.
How does this work?
If you have any loan types that require a disclosure to be presented
the user, we would need a copy of that disclosure
in a Word Doc or PDF. For example, if a member is applying for a Credit
Card, you are required to provide that member a copy of the credit card
disclosure when they apply for the credit card, before you can process
the loan. Most CU's will send the credit card disclosure to the member
via email or fax once they receive the app and wait for the member to
sign or fax it back to meet this requirement. However, this sometimes
can cause a problem in the event the loan officer "forgets" to
send the credit card disclosure.
This feature in the
loan app process streamlines the disclosure process and does not
member to continue with the loan app until they
agree to and display/print the disclosure. If the member chooses a loan
type that has a disclosure associated with it, the submit button becomes
disabled and a new statement appears on the loan app that provides a
link to the disclosure. It requires the member to choose "Yes" to
agree to the terms of the Loan Type. If they choose "Yes" then
the submit button at the bottom of the page will become active and allow
the user to continue with the loan app process. Then when you log in
to your Loan App Management site to "View/Print" the app,
if the loan type had a disclosure, this information will be displayed
on the loan app that you can print and include with your loan documentation
to show that the member did agree to the disclosure.
You can see a live demo of this loan app service at:
This loan app service
can be integrated into your Criterion Program. The data that the
user enters into this loan app can be pulled into Criterion by your
loan officer a the click of a button on your toolbar.
Along with this CUSecureApps
service we also have available a Dealer Based App that goes back
to the single page concept to make it easier for the dealer to complete.
THis is a great feature for CU's that work directly with indirect
dealers. This app includes more info about your vehicle that you
might want to
have a Mobile
that is more strealined and more mobile phone / tablet friendly where
the data can be integrated into Criterion.
The CuSecureApp cost
is $195 setup. To setup the integration of the data into Criterion
the cost is $495. The monthly cost starts at $40 per month for processing
up to 100 apps per month. Costs decrease at levels above 100. If
you are not integrating it into the Criterion
cost is $25/month, paid annually.
The cost for setting
up each Dealer App or the Mobile App is $195. The cost for integrating
the additional data into Criterion is
monthly cost for each of these apps if you have the regular app above
is half the normal price of $40/mo which equals $20/mo each and includes
additional 100 apps each to be processed.
Please contact us for more information
about this service.
Savings, and Mortgage Calculators.
Do your members need
to be able to calculate a loan payment, or a mortgage payment with an
amortization schedule, or calculate a periodic savings plan to help them
plan for the future? The cost for these calculators is just a $149 onetime
setup fee with NO monthly cost. These are for our website hosting customers
Record Checks and Reports.
For our website customers
only! Have us place a Carfax Record Check link on your website and you
can get your invoice discounted for every Carfax Report that is ordered
through your website. There is no charge to put carfax on your site. Here
is how the CarFax link works.
1. CarFax offer several free services that are very advantageous for your
members. These include a Lemon Check, Record Check, Recall Check, and
a Problem Car Report for the area in which someone might be looking for
Once a member runs
one of these services to see if there a "hit" they will be presented
with the option to run a full carfax report. For instance, if you run
a record check on a VIN, it will tell you if there are any records for
that vehicle in their database. Records in the CARFAX Vehicle History
Report™ reveal important information that can affect your decision
about a car. This can include:
Prior salvage, flood,
or total loss reported to CARFAX;
Accidents reported to CARFAX;
Number of owners;
Registration and title information…and more!
So then if the your member wants to see the records, they would have to
pay for a report. The cost is $24.99 for 1 report, or $29.99 for up to
10 reports in a 30 day period or $34.99 for unlimited number of reports
in a 30 day period. This would probably be worth it for a customer to
purchase the 10 reports for $29.99 because when shopping for cars they
could get reports on up to 10 different cars which would be a cost of
just $2.99 each. At that point is when the carfax system collects payment
from the member if they want a report.
We can create a link on your website that your loan officers could use
or at least provide/recommend to your membership. As part of this your
credit union can collect a $2.50 commission for every paid carfax report
that a member runs, or we can apply this as a credit towards your annual
hosting and maintenance fees. Let us know if you want this service set
up for you. Try it below. Have a repo? Is a member buying a used car and
you don't know where it came from? Check any VIN by using the Record Check
Buy a Used Car Without CARFAX
no cost to the credit union and the Setup is FREE!
HAVE A FIREWALL. ARE YOU SURE IT'S SECURE?
With our vulnerability
analysis of your internet firewall and associated IP addresses you will
get the answers you need to know. Our report identifies all of the ports
that are open and any of the over 14,000 vulnerabilites that we test for,
provides a description of the test for the open ports, attempts to identify
any potential services running, and provides a synopsis, description,
additional resource links, possible solutions, and risk factors, if applicable,
all at a very affordable price! Click
Here to Learn More and for our Monthly Special
Us and Our relationships with credit unions:
Computing Solutions has provided credit union web site hosting since 1999.
We have provided computer and network consulting services for credit unions
since 1996 and have worked in the financial and insurance industries since
our background and experience we have a unique understanding of the ever-changing
regulations and requirements of providing web site hosting for credit
unions. We also understand the credit union business. We have worked directly
with NCUA and independent auditors to ensure that our credit union websites
are within compliance guidelines.
following are some of the topics and guidelines that need to be taken
into account when creating and maintaining a credit union website.
Equipment and Hosting Issues:
hosting facilities meet the highest level of security requirements for
providing web site hosting for Credit Unions. Including 24 hour monitoring
by onsite technicians, electronic access control systems and security
cameras, network and equipment redundancy, enterprise level uninterruptible
power supplies, Liebert environmental control systems, and diesel generators
for extended emergency power.
backups are generated on a nightly basis. Also a backup is maintained
"off-site" for disaster recovery purposes.
email servers provide both spam filtering capbilities and virus protection
and support the use of Secure Digital Certificates.
use 128-bit SSL certificates for website data encryption as needed.
updates and changes, if maintained by us, are only accepted from designated
persons and must be submitted in writing (via email or fax) to ensure
the accuracy of the credit union information.
Solutions works with all of our credit union customers to ensure compliance.
If and when we receive updated compliance information concerning any of
our credit union websites, we review all of our credit union websites
to ensure that all of them are compliant with the auditors. Below are
some of the most common compliance issues overlooked by most web site
hosting companies that simply don't have the experience to ensure your
Your Share insurance logos whether by NCUA or some other Share Insurance
provider must be on your home page and on each page that mentions a
your credit union does real estate loans, an equal (or fair) housing
logo must be on the home page and on each page that mentions mortgages.
you state an interest rate for a loan, the APR must be stated. Annual
Percentage Rate must be spelled out somewhere on the page. Most websites
when stating rates will have a column for APR* then state *Annual Percentage
Rate on the bottom of the page.
you advertise a Credit Card, the annual fee and other terms for each
type must be disclosed, ie: the Schumer box must be displayed.
Home Equity Loans your HE Disclosures should be on the website and any
variable rate features, loan origination and interest points must be
For All Loan Rates, the rate must be referenced as an APR and if you
specify a term, a payment example page must be disclosed. You should
create a seperate payment example page for evey loan type and term that
Savings Rate Pages and Certificate Pages you should use the term "Dividend
Rates" when describing your rates. DO NOT use "Certificate
of Deposits" or "CD" anywhere. You must specify at least
the APY and that the term APY stands for Annual Percentage Yield. You
must specify Minimum Balance requirements and terms and should disclose
on all Savings or Share pages that discusses paying dividends: "All
savings and investment dividend rates other than certificates are variable
Online Loan Apps, you should determine if it complies with Reg. Z.,
Reg B., and W-9 requirements. Reg. Z pertains to credit cards, the Schumer
box and mortgages that require certain disclosures. Reg B. regulates
equal credit. You should not require a spouse as a comaker and do not
omit child support and alimony language when requesting other income.
you place 3rd party links on your credit union website or offer services
that are provided by a 3rd party link on your credit union website,
you must first display an appropriate disclosure allowing the visitor
to "opt-out" of being redirected to that 3rd party website.
P.O. Box 24234
Indianapolis, IN 46234