This low-cost, secure and convenient service enables financial institutions to implement strong, multi-factor, one time password (OTP) security tokens for online banking authentication.
From the Credit Union description:
"Teachers Credit Union has introduced one time password technology to further protect internet banking users. A one time password is generated by a security token which provides an extra layer of security to protect your accounts against fraudulent activity.
A security token generates a new 6-digit code every 30 seconds from a million possible combinations. You can order a security token in internet banking (in the Other menu then select Security Options) and for a limited time, it's free of charge."