Wheelhouse Weekly – July 22, 2004
THE MASTERS, MATES & PILOTS’
- CIVMAR Wages Get Boost
- Settlement Reached for CIVMARs in Potable Water Case
- MM&P Representatives Attend IMO VAV 50 Meeting in London
- REMINDER: Member Info Needed Regarding T-AGS Vessels
- State Department Prohibits Crew List Visas as of July 21
- Western Europe Ahead of US in Short Sea Shipping
- LNG Terminal Debate Heats Up in Long Beach Port
- REMINDER: MM&P Election Period Publicity Guidelines
- Notice to MM&P Members Regarding the Upcoming Convention
- Job Opening: PMI Instructor
- MITAGS Academic Notes
- PMI Academic Schedule
- MM&P Market Watch
- Guidance to Members on ISPS Code and MTSA-2002 Record-Keeping
- Employment Opportunities Available on MSC T-AGS Ships
- August 30 Deadline: USCG Seeks Merchant Marine Advisory Committee Members
- August 30 Deadline: College Scholarships Available for Freshman & Grad-School Dependents
- MM&P FCU News:
Did you miss a week? Back editions of the Wheelhouse Weekly are available in the section.
WEST COAST UNION HALLS CLOSED FOR HARRY BRIDGES BIRTHDAY
Wednesday, July 28 is an ILWU holiday celebrating Harry Bridges’ birthday. MM&P Halls in the ports of Seattle, San Francisco and Los Angeles/Long Beach will be closed on July 28.
CIVMAR WAGES GET BOOST
Government Fleet Representative Randi Ciszewski reported this week that the newly-released Revised Schedule of Wages for all Civilian Mariners reflects a 4.39 percent increase. The increase applies to base pay, overtime, and penalty pay rates except as required by Public Law 108-199 of 23 January 04 and 5 USC 5348 (pay caps).
Randi reports that the revised pay rates are to be implemented for the current pay period (11-24 July) as appropriate.
Retro pay adjustments for the revised wage rates for all CIVMARs and licensed engineers who served aboard Dry Cargo (excludes UNREP) and Special Mission ships for the period 01 Jan – 10 July 2004 will be required. Retroactive payments may be anticipated within 8 weeks.
SETTLEMENT FOR CIVMARS REACHED IN POTABLE WATER CASE
After many months of negotiations the MM&P has secured a substantial settlement award for Licensed Deck Officers who sailed aboard USNS KILAUEA in 2003. All LDOs sailing aboard USNS KILAUEA from March 6, 2003 through June 22, 2003 are eligible for this compensation.
Government Fleet Representative Randi Ciszewski had filed an Association Grievance on behalf of MM&P unit members raising serious concerns over the safety of the potable water supply aboard USNS KILAUEA.
The grievance contended that MM&P members were subjected to substandard conditions aboard USNS KILAUEA and those members should be monitored and evaluated by being placed in a medical surveillance program. At the very least, the Union submitted that the adversely affected Licensed Deck Officers should have their medical and employment files documented to ensure that official records reflect that while assigned to USNS KILAUEA, the member believed that he/she was subjected to unhealthy and unsafe water. MM&P also pushed for an investigation to be conducted by an outside party.
A detailed investigation took place with Naval Environmental Medicine as well as Industrial Hygiene Department personnel visiting the vessel. Air and water samples were taken. While the investigation continued, the Union was successful in having MSC provide more than 5,000 cases of bottled water for the Officers and crew.
MM&P sought monetary compensation and medical monitoring of the KILAUEA’s officers and crew specifically targeted to this exposure.
MM&P and MSC were able to work together in a spirit of cooperation to address the grievance and avoid a costly arbitration. MSC agreed to provide monetary compensation and members have the right to document their official records and/or file a Workers’ Compensation claim if they believe they’ve incurred illness or injury while serving aboard USNS KILAUEA during this time period.
Randi Ciszewski stated that “any member who believes that he or she was exposed to non-potable water has an inherent right to have this matter documented and should emphasize the situation at your next MSC physical examination. Require the medical examiner to document any concerns on your medical records and request a copy of the record.”
She further stressed that, “if you believe that you have incurred any illness or injury as a result of being subjected to this sub-standard water quality, you’re encouraged to file a Worker’s Compensation Claim. Regardless of whether the claim is rejected or denied, this filing will ensure that there will be official documentation to substantiate any unforeseen medical problems that could arise in the future. You may also request that the MSC medical examiner and/or your private physician order blood screens that may detect developing problems.”
Randi Ciszewski may be contacted by email to firstname.lastname@example.org or by phone at 201-433-7700 for additional information.
MM&P REPRESENTATIVES ATTEND IMO NAV 50 MEETING IN LONDON
From July 5-9, MM&P representatives attended the International Maritime Organization’s NAV 50 meeting held at IMO HQ in London.
The Provisional Agenda consisted of 19 items for the discussion of the assembled delegates. The US Delegation consisted of six members from the USCG, one from the US Navy, and four from the maritime industry.
Of the 19 agenda items, seven dealt with detailed procedural matters within IMO. The remaining items dealt with ship routing, AIS Displays, 2000 HSC, anchoring, mooring and towing equipment, high-risk of ocean crossings by adventure craft, performance standards for radar equipment, large passenger safety (voyage planning), measures to enhance maritime security, world-wide radio navigation system (WWRNS), casualty analysis, guidance on early abandonment of bulk carriers.
The USCG requested Capt. Joe Stone, one of MMP’s representatives at the session, to work on subjects of interest to active mariners including anchoring, performance standards of radar, and maritime security.
The word “anchoring” was expunged from the sub-committee report and the sub-committee further considered the proposed regulation II-1/3-9 on ship’s lines used for harbor towage and mooring after much discussion concluded that there was no definitive for a proposed regulation.
The sub-committee on Radar Equipment concurred that:
- Automatic Target Tracking Aid on all radar equipment was not necessary due to such facility being included in new performance standards for radar equipment;
- To ensure mandatory interfacing of AIS to radar equipment would be a positive action;
- To ensure mandatory interfacing of AIS to ECDIS when carried would be a positive action but it would be applicable only to new ships build after 2008; and
- To present AIS information to the OOW was needed but it would be applicable only to ships built after 2008.
The Sub Committee noted no substantive documents had been submitted to this session. The subcommittee recognized that with the new maritime security regulations having just entered into force on July 1, some operational security issues might be referred to them for review and comments. They agreed to keep this agenda item on its work program, and further decided to recommend to the Committee for an extension of the target completion date to 2005.
The Sub Committee concluded on a positive note with future issues including pilot ladder safety, bridge design including equipment arrangements, evaluation of the use of ECDIS and ENC development.
It was also brought out at the meeting that many foreign vessels are not in compliance with the maritime security regulations initiated by the US and many attendees wondered how the USCG will process these sub standard vessels.
Reminder: MEMBER INFO NEEDED REGARDING T-AGS VESSELS
MM&P-contracted Horizon Lines recently won the bidding to manage MSC’s seven T-AGS Oceanographic Survey vessels. The Licensed Deck Officer billets will be filled by MM&P members. MM&P needs to hear from members and applicants interested in working aboard these ships. Vessel assignments may be permanent.
The T-AGS ships will pay competitive wages and will have 15-for-30 vacation, pension, health & welfare, IRAP and training contributions made on the employees’ behalf. Members and applicants selected to sail aboard the T-AGS ships will be required to have a US Government-issued Secret clearance. The Company will assist the mariner in obtaining this clearance.
All interested members and applicants are requested to send a resume to your local area Offshore Vice President or to International Headquarters in care of the Executive Assistant to the President at 700 Maritime Blvd., Linthicum Heights, MD 21090; Fax: 410-850-0973. Calls with questions may be directed to 410-850-8700 x23. Resumes or questions may also be sent by Email to email@example.com, firstname.lastname@example.org, email@example.com and firstname.lastname@example.org.
STATE DEPARTMENT PROHIBITS CREW LIST VISAS AS OF JULY 21
Effective July 21, the US State Department in now prohibiting ‘crew list visas’ and mandating that individual seafarers, like other foreign nationals entering the country, obtain the new BioVisas. The new rule requires each individual seafarer to obtain a US visa endorsement from the state department.
The change was made primarily to increase US homeland security. Before finalizing the rule, officials received 100 comments on the proposal, most of which objected to the individual visa requirement and sought an exemption for merchant seamen. Many pointed to the uncertainty of itineraries as a problem and others asked that the US adopt the policy of recognizing identity documents with biometric features.
In rejecting that request, State Department officials noted that those visas are generally valid for five years and multiple entries and, once issued, would permit mariners to travel freely into and out of US ports without undue delay. A State Department spokesman noted that even though interviews and background checks will now be required to issue these visas, the time from application to issue is generally less than 24 hours.
WESTERN EUROPE AHEAD OF US IN SHORT SEA SHIPPING POLICIES
A new publication, “Domestic Water Transport Comparative Review,” by Anatoly Hochstein, Ph.D., finds that major differences exist between the US and Western Europe on water transportation policy and practice. Among them:
The US collects significant charges from waterways’ users. In the European Union (EU), user charges are nearly non-existent and a system of incentives for favoring utilization of the inland waterways are in practice.
In the EU there are a variety of programs for water transportation to receive credits for environmental and other social benefits, resulting in traffic diversion from land to water. In the US, there is no mechanism to reward environmentally friendly modes for reduction in their external, environmental and social costs.
The US has a more extensive waterways system than the EU, but the EU provides more diversified services, is better integrated in the overall intermodal system, and exhibits a modest but still higher rate of traffic growth. Average traffic density in the EU is about 4 million tons per mile, while in the US it is close to 12 millions tons per mile, or three times higher.
The publication was underwritten by the National Waterways Foundation. Dr. Hochstein is Director and Professor of the National Ports and Waterways Institute at the University of New Orleans.
“For environmental and economic reasons, the Europeans are aggressively using their waterways to combat their congestion and gridlock problems. They have demonstrated that water transportation is a win-win scenario. It is time for the US to institute an intermodal transportation policy, building upon the European experience, that takes advantage of the true value and benefits our waterways system provides,” said Worth Hager, President of the National Waterways Conference.
For example, it was announced earlier this week that trucks and trailers bound to/from Sicily will receive a financial incentive if they use a ferry or Ro/Ro vessel for a substantial part of their journey. Regione Sicilia has approved a bill that provides $43M for the period 2004-2006 to improve short-sea shipping links. The “environmental bonus” is a rebate awarded in proportion to the size of the truck, the distance covered by sea and the number of sea voyages made by the hauler each year.
LNG TERMINAL DEBATE HEATS UP IN LONG BEACH PORT
Proponents of Liquefied Natural Gas say that the development of LNG resources could save the US billions of dollars in energy prices. In fact, energy companies currently have proposed more than 30 LNG terminals throughout the US. Opponents maintain that LNG facilities are far too dangerous to build close to populated areas.
In one such LNG battle, Sound Energy Solutions, a Mitsubishi subsidiary, is proposing to build an LNG terminal in the Port of Long Beach and three more off the Southern California coast. The company claims that the $400 million facility could provide 10 percent of California’s natural gas needs.
Many environmentalists support an LNG expert’s claims that terrorists or an earthquake could turn the terminal’s storage facilities into a huge fireball that could devastate the city of Long Beach.
LNG is not flammable while it is in liquid form. However, it can ignite when mixed with oxygen. Experts say that LNG fires generate so much heat that people up to a mile away could suffer severe burns. These experts urge that LNG terminals be built as far as 14 miles offshore.
Reminder: MM&P ELECTION PERIOD PUBLICITY GUIDELINES
Members are reminded that for the duration of the MM&P election period the name or likeness of any known candidate – any person nominated or self-declared to be a candidate – for any elected MM&P position will not be referred to by name or photo in any MM&P publication. Reference may be made by title or in contact information such as an email address when it is directly relevant to the communication.
As example, the Master of a MM&P-contracted ship who has declared himself to be a candidate for a MM&P elective position was recently quoted in an article appearing in the “Master, Mate & Pilot”, but was referenced as the Master of the vessel and not by name. Similarly, this member’s likeness was not included in a photo published with the article. This same rule was applied within the same publication with regard to two other members employed by MM&P at Union headquarters who are candidates for elective position.
This rule has been put into effect to ensure that publications by the MM&P to MM&P members are not used on behalf of any candidate for campaign purposes. These exclusions will end upon completion of the election.
Members wanting to know more about this policy may contact International Counsel John Singleton at 410-850-8700 x19, email: email@example.com, or Communications Director Karl Schwartz at 410-850-8700 x27, email: firstname.lastname@example.org.
NOTICE TO MM&P MEMBERS REGARDING THE UPCOMING CONVENTION
The Convention will start at 1000 hours on the 2nd of August. This is a nominating Convention for all officers and Convention Delegates.
To be nominated for any Office (including Convention Delegate) in the Organization, you must have been a member for at least four years and be in continuous good standing for the 24 months preceding the nomination. In addition, you must meet the eligibility requirements for your specific membership group as listed in the International Constitution.
To run for International Office as Int. President or Int. Secretary-Treasurer, you must be nominated in Convention or, in lieu thereof, you may be nominated by a petition signed by 50 members of the Organization.
To run for Vice President of any membership group, you must be nominated in Convention or, in lieu thereof, you may be nominated by a petition signed by at least five members of that particular membership group.
Nominations will be accepted up until the close of nominations which will take place on August 4th.
Nominating petitions shall be sent to the International Office to the attention of the International Secretary-Treasurer.
Any proposed resolutions to be acted on by the International Convention shall be received by the International Secretary-Treasurer at least 30 days prior to the opening of the Convention. The cut off date for resolutions will be Friday, July 2, at 1700 EST. This is due to the July 4th holiday being on Monday, July 5.
MITAGS SEEKS FULL-TIME INSTRUCTOR FOR PMI IN SEATTLE
The Maritime Institute of Technology and Graduate Studies (MITAGS) is accepting applications for a full time instructor to work at its Pacific Maritime Institute in Seattle, WA.
This state-of-the-art facility requires an instructor who will develop courses in the maritime field and provide quality classroom and simulation instruction to merchant marine deck officers at all levels of their professional development.
A broad background with experience on dry and liquid cargo vessels is preferred. Outstanding verbal and written presentation skills with experience and enthusiasm in teaching adults in both a classroom and on-the-job setting are desired. Excellent computer skills are a must: MS Office Suite and Windows operating systems.
Five years maritime experience at the Chief Mate or Master level with in-depth knowledge and technical skills with bridge systems, completion of STCW-95 requirements desired. Maritime or military academy graduate preferred.
Union membership following employment is required. Competitive salary and outstanding Union benefits. Email resume to email@example.com or fax to: HR Manager, 443-989-3341. EEO. AA.
MITAGS ACADEMIC NOTES
CLASS TIMES & TRAVEL PLANNING
Please plan your travel in accordance with the following class times.
Classes start daily at 0830 and conclude at 1630 hrs. The exception is Shiphandling, which may be scheduled for a morning or late afternoon starting time.
Shiphandling attendees will be assigned a starting time at the 0825 briefing for all students on Monday. If you are attending a Shiphandling course, do not make plans to depart MITAGS prior to the morning following course completion.
Between now and the end of October 2004, seats are available in the following courses:
~~~ ~~~ ~~~
- AIS-1 – Automatic Identification System: 8/23, 10/4
- AIS-1/PPU – Auto ID System/Portable Pilot Unit: 8/30, 9/4
- ARPA – Automatic Radar Plotting Aids: 8/9, 8/30, 9/20, 9/27
- AZIPOD – Azipod Propulsion System: 10/2
- AZIPOD-KAM – Azipod and Kamewa Steering and Propulsion: 8/30
- BRM – Bridge Resource Management: 10/4
- BST – Basic Safety Training: 8/16, 9/13, 10/25
CMM – Chief Mate and Master Courses
- CMM-ADVSTB – Advanced Stability: 9/27, 10/25
- CMM-ADVWX – Advanced Meteorology: 9/20
- CMM-CHS II – Cargo Handling & Stowage (week 2): 8/9
- CMM-CHS I – Cargo Handling & Stowage (week 1): 8/16
- CMM-ECDIS – Electronic Chart Display and Info Systems: 8/16, 9/13, 10/11
- CMM-MMP – Marine Propulsion Plants: 8/2, 10/18
- CMM-SHS-ADV I – Advanced Shiphandling (week 1): 9/20
- CMM-SHS-ADV II – Advanced Shiphandling (week 2): 8/9, 9/27
- CMM-SHMGT-I – Ship Management (week 1): 8/23
- CMM-SHMGT-II – Ship Management (week 2): 8/30
- CMM-VPEN – Voyage Planning & Electronic Navigation: 10/4
- CMM-WKP – Watchkeeping: 9/13
- CONT-PLNG – Contingency Planning Workshop: : 9/2, 10/14, 10/26, 10/28
- CSE-AWR – Confined Space Awareness Seminar: 9/24
- FF-BADV – (Combined) Basic and Advanced Firefighting: 9/20
- FL – Flashing Light: 7/30, 9/30
- FSM – Fatigue, Sleep and Medications: 9/1
- GMDSS – Global Marine Distress and Safety System: 10/25
- HAZ – Hazardous Materials [5-day]: 8/23
- LEG – Legal Aspects of Pilotage: 9/1
- MED-DOT-DA – Dept. of Trans. Drug & Alcohol Testing: 8/14, 9/18, 10/16
- MED-PIC – Medical Person In Charge: 8/9, 10/11
- MED-PRO – Medical Care Provider: 8/9, 10/11
- MED-SMC – Shipboard Medical Care (4 weeks): 8/30
- MEDIA-RSP – Media Response: 9/3, 10/15, 10/27, 10/29
MSC – Military Sealift Command Courses
- MSC-COMMS – Strategic Sealift Communications: 8/9
- MSC-CBRD-1 – Chemical Biological Radiological Defense Training Orientation: 8/23, 10/25
- MSC-DC – Damage Control: 8/6, 8/24, 8/26, 9/16, 10/21
- MSC-SMA-R – Small Arms Renewal (2-day): 8/24, 8/26, 10/26, 10/28
must have passed all 3 weapons within 2 years
- ROP-5 – Radar Observer Original & Renewal: 8/23
- ROR-1 – Radar Observer Renewal: 8/2, 8/14, 8/30, 9/18, 9/20, 10/2
- SEC-FSO – Facility Security Officer: 8/17, 9/28
- SEC-OFF-PCS – Security Officer: Port, Company, Ship: 8/30, 10/11
- SEC-PLT – Security Training for Pilots: 8/31
- SHS-BAS – Basic Shiphandling: 9/13, 10/11
- SHS-EMR5 – Emergency Shiphandling (5-day): 8/4, 8/23
- TPIC – Tankerman Person-In-Charge: 9/20
- TRAC-TUG – Water Tractor and Azimuth Stern Drive Tugs: 9/2
~~~ ~~~ ~~~
Check the MITAGS website for up-to-date course descriptions associated with the course title abbreviations, and for schedule revisions.
Attendance Verification & Cancellation is Vital
If you are scheduled for a course, call, write, or Email admissions to advise whether or not you will attend. Many classes are in demand and maintain a Standby List. “No Shows” are missed training opportunities for other members.
Schedules, Course Info & Registration
Courses are subject to change. Always check the MITAGS website for updated course availability. You can also check future schedules, review detailed course descriptions and register on-line or contact Admissions at firstname.lastname@example.org or by calling toll-free, 1-866-656-5568.
PMI MARITIME TECHNOLOGY & CAREER CENTER ACADEMIC SCHEDULE
All the courses below will be conducted at the new Pacific Maritime Institute facility located in Seattle at 1727 Alaskan Way South, Pier 34. The new facility features a state-of-the art Ship Simulator that has to be experienced. PMI phone numbers remain the same. Come see the new facility at PMI’s “Maritime Technology and Career Center”.
August 2004 Courses
- 8/02: Radar Renwal
- 8/02-04: Ship Security Officer
- 8/02-06: Basic Meteorology
- 8/02-06: Basic and Advanced Firefighting
- 8/02-06: ARPA
- 8/09-13: Ship Construction and Basic Stability
- 8/09-13: ECDIS
- 8/09-13: Tankerman Person-In-Charge
- 8/16-20: Basic Safety Training
- 8/16-20: Basic Cargo Operations
- 8/16-27: Advanced Shiphandling
- 8/16-27: GMDSS
- 8/23-27: Basic and Advanced Firefighting
Contact DeeDee Lazik at 206-441-2880 or 888-893-7829 (toll free) for registration or visit the PMI website at mates.org.
MM&P MARKET WATCH AS OF JULY 20, 2004 CLOSE
|D O W||N A S D A Q|
|10,149.07||-59.739 for the week||1,917.07||+2.19 for the week|
|Vanguard 500 Index Fund (VFINX)||
|Vanguard Extended Market Index Fund (VEXMX)||
|Vanguard International Growth Fund (VWIGX)||
|Vanguard Morgan Growth Fund (VMRGX)||
|Vanguard Windsor II Fund (VWNFX)||
|Vanguard GNMA Fund (VFIIX)||
|Vanguard High Yield Corporate Fund (VWEHX)||
|Vanguard Total Bond Index (VBMFX)||
|Chase Growth Fund (CHASX)||
|Fidelity Asset Manager (FASMX)||
|Fidelity Growth and Income (FGRIX)||
|Fidelity Magellan Fund (FMAGX)||
|Spartan US Equity Index Fund (FUSEX)||
~ Reminders ~
REMINDER TO MEMBERS ON ISPS CODE AND MTSA-2002 RECORD-KEEPING
MM&P members are reminded that provisions of the Maritime Transportation Security Act of 2002 and the International Ship and Port Facility Security (ISPS) Code went into effect on July 1. These provisions impact LDOs aboard all oceangoing vessels sailing in the international and coastwise trade.
MM&P HQ has sent a letter to all Offshore Membership Group contracted ships and to the home address of every active member of the Offshore Membership Group addressing in more detail this issue and how it may affect our contracts.
MM&P advises members to note and follow these procedures:
- Maintain and keep detailed time and duty records for any hours of work performed doing anything that might be considered security duties.
- Maintain and keep detailed time and duty records for any hours of work performed doing anything outside the usual and normal duties of an LDO.
- All LDOs should submit penalty rate for payment for any time spent as outlined in items 1 and 2 if these duties are done during normal watch or duty hours.
- All LDOs should submit overtime for payment for any time spent as outlined in items 1 and 2 if these duties are done outside normal watch or duty hours.
Members having any questions or comments are asked to contact your area Vice President or Port Representative.
EMPLOYMENT OPPORTUNITIES AVAILABLE ON MSC T-AGS SHIPS
Under a new Military Sealift Command contract, MM&P-contracted Horizon Lines will soon take over the operation and maintenance of seven oceanographic ships (T-AGS) to support the Naval Oceanography Program. MM&P will represent the deck officers.
For those members and applicants interested in employment possibilities on these vessels, contact MM&P HQ by calling 410-850-8700 x23 or by Email at: email@example.com.
August 30 Deadline: USCG SEEKS MERCHANT MARINE ADVISORY COMMITTEE MEMBERS
The USCG is seeking applications for appointment to membership on the Merchant Marine Personnel Advisory Committee (MERPAC). MERPAC provides advice and makes recommendations to the USCG on matters related to the training, qualification, licensing, certification, and fitness of seamen serving in the US merchant marine. Applications should reach the USCG by August 30.
Application forms may be obtained via the Internet by logging on to www.uscg.mil/hq/g-m/advisory/index.htm or by writing to:
Commandant (G-MSO-1) United States Coast Guard 2100 Second Street SW Washington, DC 20593-0001
Send completed applications to:
Mark Gould, Assistant Executive Director MERPAC Room 1210, U.S. Coast Guard Headquarters 2100 Second Street SW Washington, DC 20593-0001
For further info, call MERPAC at 202-267-6890, fax 202-267-4570 or contact Capt. Joe Stone at MM&P HQ at 410-850-8700 x24, Email: firstname.lastname@example.org .
August 30 Deadline: COLLEGE SCHOLARSHIPS AVAILABLE FOR FRESHMAN AND GRAD-SCHOOL DEPENDENTS
Attention all Members in good standing with dependent children who will be college freshman in September: A local Baltimore law firm is awarding two $2,500 one-time only scholarships to children of Union members. Since the MM&P is headquartered in the Baltimore area, Union members’ children would be eligible to apply for these scholarships.
One scholarship is for Undergraduate and the other is for Graduate School. Students must already be accepted to a college prior to applying. The deadline for application is August 20. The scholarships will be awarded September 24.
If your son or daughter would like to make application for this scholarship, please have them contact the MM&P Plan Office at 410-850-8600 for an application. The member’s name is required so that the Union can sign the application to certify that he/she is a member in good standing prior to sending the application to your child.
Members can also Email Plans Administrator Valerie Verrecchio at email@example.com with the member info including address where the application can be mailed.
MM&P FCU NEWS
Rates Drop, Limits Increase On Auto Loans
MM&P FCU vehicle loan rates have dropped across-the-board. Effective May 5, borrowers may finance up to $30,000 on vehicle loans for terms up to 72 months. This is an increase of $5,000 and 12 months over past maximum financing amounts and terms.
Rates on 6 year auto financing range between 5.50% and 6.25%. Vehicle loan rates are as low as 4.00%. Rates apply to new and used cars, and to loans refinancing higher rate vehicle loans from other institutions. Contact the Credit Union office to find out how these rates may cost less than dealers incentives and how you qualify for new, low rate vehicle financing.
Signature Loan Rates Dip
As an added bonus, Signature Loan rates have also been lowered. Now is the time to start thinking about those summer vacation plans or home improvement projects. Signature loan rates range from 9.00% to 9.75%. Hurry and take advantage of these new lower rates and start saving money today.
Need More Info? Contact Kathy Klisavage, MM&P FCU Manager, to learn more about loan rates and products, direct deposit, share savings accounts and certificates of deposit, benefits of membership and membership eligibility. Kathy Klisavage can be reached by email to firstname.lastname@example.org, or by calling 410-850-8700 x43 or toll-free 1-800-382-7777.
All MM&P FCU loan rate percentages are APR or Annual Percentage Rate. All MM&P FCU savings and certificate rates are APY or Annual Percentage Yield. Loan terms and conditions are subject to change. Contact the MM&P FCU for eligibility info and for full terms and conditions.
Protect Your Personal Information – Beware of Email Scams
“It’s the curse of technology,” was overheard recently as someone talked about Email scams. Email scams are rampant these days, just like telephone scams were not so long ago. In the most-common current scenario, an Email is received from what looks like a legitimate entity that asks you to provide sensitive, private information to “verify” your identity or account. Scam artists are now even posing as the Internal Revenue Service to try and get your info.
The IRS recently issued a warning that fraudulent emails disguised as being from them are aimed at tricking taxpayers into providing their Social Security numbers, driver’s license information and bank and credit card numbers through a web site that’s set up to look like it belongs to a federal agency. If this information is obtained it can be used by identity thieves to take over a person’s financial accounts, run up charge cards, apply for loans and file fraudulent tax returns.
Protect yourself. No financial institution, federal agency or legitimate business will initiate contact by Email or phone and ask for any such personal information. Legitimate entities with which you are already established should have that info. If you receive such a request, contact the sender to verify if it is legitimate. The MM&P Federal Credit Union has never been the target of such a scam and will never initiate an Email to you that asks for this type of private information.
The MM&P Wheelhouse Weekly is the official electronic newsletter of the International Organization of Masters, Mates, and Pilots, ILA, AFL-CIO, 700 Maritime Blvd., Linthicum Heights, MD 21090-1941. Phone: 410-850-8700; Fax: 410-850-0973; Email: email@example.com. For further info or to subscribe contact John Peige at firstname.lastname@example.org. The Wheelhouse Weekly is sent via Email to MM&P-contracted vessels at sea, broadcast worldwide via FEC marine telex and is posted on our web page.