Mobile Banking App Update
We are excited to announce that
ISPFCU’s Mobile Banking App has recently gone through an
upgrade. The new and updated ISPFCU Mobile App is now more
user friendly with improved navigation features and is
easier to read with increased font sizes throughout the app.
In addition, there is now one single universal app for both
iPhone and iPad devices.
Upon your initial login after updating
the ISPFCU Mobile App you will notice that the dial menu has
been replaced with a new interface featuring a list menu
style. You can now select to view an entire listing of your
accounts by selecting the drop down menu button at the top
left of your screen. All other functionality in regards to
checking account balances, making transfers, and depositing
checks with ISPFCU’s Remote Deposit Capture will remain
We hope you enjoy this new sleeker,
more user friendly design and find this updated app more
convenient and easier to use. If you have any questions
about this update please call us at
ISPFCU VISA Gift Cards – The Perfect Gift
If you are looking for the perfect gift
this holiday season, look no further than an ISPFCU VISA
Gift Card. ISPFCU VISA Gift Cards are better than cash and
spend just as easy. The cards can be loaded in any
denomination between $10.00 and $750.00. The cost of a gift
card is only $2.00 regardless of the amount loaded. There is
no need to remember a PIN with these cards because they are
used just like a credit card. Just swipe the card and the
transaction is complete!
What makes this card better than cash
is that should the card become lost or stolen it can be
canceled and a new card issued. Each gift card comes with an
activation receipt, a terms and disclosures brochure, an
envelope, and a cardholder. Call us today at 800-255-0886 to
order gift cards for your gift giving this holiday season.
They make the perfect gift for anyone who spends money!
* After 12 consecutive months of
inactivity there is a $4.95 per month inactivity fee charged
to the card. There is a $15.00 replacement card fee. There
is a $15.00 cash out (or refund) fee if a recipient wants to
return the card.
Spread the Word, Earn Cash
with ISPFCU Referral Rewards
Do you know someone who could benefit from
belonging to ISPFCU? Could you also use some extra cash? If the
answer to both of these questions is yes, then you need to check
out ISPFCU’s Referral Rewards Program!
For every new member you refer that joins
ISPFCU we will pay you $10.00! The new member could be a friend
or co-worker that is eligible to join ISPFCU through their own
law enforcement employment or by being a member of your
immediate family. This would include spouses, children, parents,
and siblings just to name a few. You can also earn $25.00 for
referring a member to open a new closed-end loan or to refinance
an existing closed-end loan from another financial institution
with of a balance of at least $5,000! To earn the referral
reward, the person you refer needs to turn in a referral card
with your name on it at account opening and the date on the card
must be on or before the date the account was opened.
Call us at 800-255-0886 to find out more
about our Referral Rewards Program and to request your very own
referral rewards cards today! Do yourself and your friends and
family members a favor and direct them to ISPFCU.
Account to Account Transfers
Did you know that you can transfer funds
between your accounts at ISPFCU and your accounts at other
financial institutions through Home Branch Online? With ISPFCU’s
Account to Account transfers you can send money from your ISPFCU
accounts to an account at another financial institution for the
low cost of $2.50 or transfer money into your ISPFCU accounts
from another financial institution free of charge. To start the
approval process, click on Account to Account transfer under the
Transfer tab within
Home Branch Online. If you have any questions about this
service or need assistance getting enrolled please call us at
Would you like to be notified when your
account falls below a certain balance or when a certain check
has cleared? How about when your next loan payment is due? If
so, you can set up these types of alerts and more with ISPFCU’s
Account Alerts within Home Branch Online. You can choose to be
notified by e-mail, text message, or both when these events take
place. You can also set the alerts to occur one time or to occur
on an ongoing basis. To review all the alert options available
click on Account Alerts under the Accounts tab within
Home Branch Online. If you have any questions about ISPFCU
Account Alerts please contact us at 800-255-0886.
Let Your Home Work for You with an ISPFCU
Home Equity Loan
Do you need some extra money to make home
improvements? Or, maybe some extra money to help finance your
child's education, buy a new car, or consolidate debt? Whatever
the circumstance, an ISPFCU Home Equity Loan is a versatile loan
product that could be just what you are looking for.
An ISPFCU Home Equity Loan lets you borrow
against the equity you have built up in your home up to 80% of
the value of your home minus your first mortgage balance. With
our Home Equity Loan rates as low as 2.25%*, a home equity loan
is a great option with its low interest rate and fixed monthly
payments. Another great benefit of a home equity loan is that
the interest you pay may be tax deductible. We recommend
consulting with a tax advisor regarding the deductibility of
In addition, if you have your First
Mortgage financed at ISPFCU, we’ll pay the applicable closing
costs for your ISPFCU Home Equity Loan! Call ISPFCU at
800-255-0886 to speak with a member of our loan department for
more information. Remember, the equity in your home is a
versatile financial tool. Take advantage of it!
*All rates are stated as an Annual
Percentage Rate (APR). Rates are subject to change at any time.
Rates are quoted for individuals with excellent credit.
Individuals with less than excellent credit may be offered
higher rates. In addition, APRs are 0.25% higher for loans
without automatic payment and 0.25% higher for non-PFI members.
Maximum ISPFCU Home Equity Loan amount available is $75,000.
Fixed loan rate of 2.25% equals estimated payments of $17.64 for
60 months for each $1,000 borrowed
Make the switch to an ISPFCU VISA Platinum
If you are looking for a credit card with a great low rate and
no hidden fees, look no further than ISPFCU. An ISPFCU VISA
Platinum Credit Card comes with a rate as low as 7.15%* and
there is no annual fee! In addition, for a limited time, you
can transfer your high interest rate credit card balance at
another financial institution to an ISPFCU VISA Platinum Credit
Card and we will waive the balance transfer fee!
In addition to the standard ISPFCU VISA Platinum Credit Card
available, cardholders have the option to carry a card representing
the Illinois Association of Chiefs of Police, the Illinois Fraternal
Order of Police, the Illinois Police Association, the Illinois
State Police, the Illinois State Police Heritage Foundation,
Illinois Troopers Lodge #41, or the PB&PA at no extra cost.
To view these cards, please click
Don’t wait any longer! Make the switch to a credit card with
a great low rate and from a financial institution you can trust.
or call us at 800-255-0886 for more information and to get the
ISPFCU VISA Platinum Credit Card of your choice today.
*Your APRs may vary each billing period.
The ANNUAL PERCENTAGE RATE will change each month on the first
day of your billing cycle. The purchase rate equals The Wall
Street Journal prime* plus 3.90%. The cash advance/balance transfer
rate equals The Wall Street Journal prime* plus 6.90%. The APR
is for the Platinum Elite program. Your rate may vary based
on individual creditworthiness and ISPFCU underwriting standards.
here for full VISA disclosures.
Simplify Your Life with Free Online Bill Payment
Wouldn’t you rather do something other
than pay your bills? With ISPFCU’s Online Bill Pay service E-Pay
you still pay your bills, but in a fraction of the time without
writing and signing checks, and without stamps or envelopes.
When you pay your bills with E-Pay, the rest of the time is
yours to spend doing something you really want to do. And saving
time isn’t the only benefit. You save money on stamps, your
online payments are guaranteed to arrive on time, and your online
payments are more secure than payments sent through the mail.
And to top it all off, E-Pay is FREE for all ISPFCU members!
So what are you waiting for? Sign up for
E-Pay within Home Branch Online today or call us at 800-255-0886
for more information.
Your Accounts for Unusual Activity
You may hear in the news periodically that
a company has been the victim of hackers who have gained access
to the debit and credit card information of their recent customers.
Unfortunately, these types of situations are out of our control
as a financial institution.
However, we can help you in the event
that your debit or credit card information is ever compromised.
We encourage you to regularly monitor your accounts for unusual
activity and to review your statement in its entirety promptly
when you receive it.
If you ever notice any fraudulent charges
on your ISPFCU accounts please call us at 800-255-0886 so that
we can help.
Open a Future
CrimeFighter Account For Your Child Today
It is never too early to teach your children
the importance of saving and financial responsibility.
By opening them a Future CrimeFighter Account at ISPFCU you
will help get them started down the right path to a secure financial
Future CrimeFighter Account holders receive
their own savings passbook, membership card, and a quarterly
newsletter containing articles on financial responsibility and
games. In addition, Future CrimeFighter Account holders
are entered into a drawing for a $25.00 deposit to their account
quarterly just for using the account!
If you have any questions
about a Future CrimeFighter Account or if you would like to
open your child an account today, please call us at 800-255-0886
or apply online
Contactless Debit Cards - More Speed, Less Contact
Leave slower payment methods in the dust with an ISPFCU Contactless
Debit Card - the fastest, most convenient way to pay for your
everyday purchases. There is no need to swipe, enter a PIN,
or sign a receipt for most purchases under $25.00. Simply place
your card near the secure reader to complete your transaction
in no time.
An ISPFCU Contactless Debit Card is covered by the same protections
you enjoy with a standard ISPFCU Debit Card, and they can speed
up your checkout time by as much as 20%. You can get one of
these cards for the low cost of $5.00. Call us at 800-255-0886
to place your order today so you can start enjoying all the
speed and convenience it provides.
Look for the Contactless Indicator the next time you’re shopping.
ISPFCU Accounts with Home Branch Online
If you are not familiar with ISPFCU’s Home Branch Online (HBO) then
now is the time to take advantage of this great service that comes
free with your ISPFCU membership. HBO is a convenient way to access
your accounts in the comfort of your own home or wherever you have
access to a computer. With HBO you can manage your finances at your
convenience 24 hours a day, seven days a week. HBO allows you to
make balance inquires, view images of cleared checks, transfer funds
between accounts, make loan payments, and much more.
HBO is also your online portal to other great ISPFCU services including
E-Pay, our free online bill payment service, VISA Access Online,
a site where you can view recent and pending transactions on your
ISPFCU VISA Platinum Credit Card, and E-Statements, a site where
you can view your current and previous ISPFCU monthly statements.
You also can take advantage of ISPFCU’s Account Alerts within Home
Branch Online. Account Alerts allow you to setup important account
reminders such as when your next loan payment is due or when your
checking account balance falls below a certain dollar amount. These
alerts can be received by email, text message, or both.
If you would like to get signed up for Home Branch Online or if
you are already signed up and have questions about one of the other
services mentioned within Home Branch Online please call us at 800-255-0886.
ID Theft Alert - Be Aware of Text Message Scams
Identity thieves are now targeting cell phone users with a scam
called smishing. In smishing scams, cell phone users receive a text
message that seems to come from a legitimate source, such as a financial
institution. The message seeks to convince users into clicking on
a link via the phones Internet connection or into calling a certain
phone number. Both the link and the phone number are fraudulent
and lead to a request for personal information that can be used
for identity theft. Once your identity has been stolen, it generally
takes much time and effort to regain your lost funds and your good
Take a few simple precautions to protect yourself from this growing
form of fraud. First, never respond to unsolicited requests for
personal financial information received via text message, even if
the request appears to come from a legitimate institution that you
do business with. Second, always be sure of who you are dealing
with. Don’t click on links in text messages or call numbers listed
in text messages. Verify contact information independently and key
in web addresses yourself. Lastly, monitor your credit report regularly
for signs of irregularities.
Remember, ISPFCU will never contact you via text message, e-mail,
phone, or any other way to ask for account numbers or passwords.
If you suspect you have been a victim of identity theft, contact
ISPFCU at 800-255-0886 immediately.
Your Vehicle with an Extended Auto Warranty
Your vehicle is one of your biggest investments.
By purchasing an ISPFCU Route 66 Extended Auto Warranty you will
enjoy peace of mind that no matter where you travel in the United
States, you are protected against major mechanical expenses. You
will also enjoy:
- No deductible on covered parts and
- Free emergency roadside service 24/7/365
- Car rental reimbursement
- Plans can be transferred if you sell
The warranties may be applied to any auto
whether they are paid off, financed at ISPFCU, or financed by another
financial institution. There are a variety of options to choose
from so you are sure to find one that meets your needs and your
budget. And if you act now, we will take $250.00 off the purchase
price of the warranty of your choice!
Call us at 800-255-0886 to learn more and
to get your vehicle protected today!
*This offer is for a limited time.
Special does not apply to warranties purchased on motorcycles.
of Quarterly Drawings Announced
In the recent Future CrimeFighter quarterly drawing, Paige from Sterling and Luke from South Elgin were drawn as the winners. Each
won a $25.00 deposit to their Future CrimeFighter Account. Congratulations!
To be eligible to win, Future CrimeFighter account holders had to
make at least one deposit into their Future CrimeFighter account
in the previous quarter.
In the recent Student Checking quarterly drawing, Joshua from Springfield
and Derrick from Greenville were drawn as the winners. Each won
a $25.00 iTunes gift card. Congratulations! To be eligible to win,
Student Checking account holders had to make at least one debit
transaction in each month of the previous quarter.
To be eligible to open a Future CrimeFighter Savings Account you
must be no older than 18. To be eligible to open a Student Checking
Account you must be between the ages of 16 and 22. If you are interested
in opening a Future CrimeFighter Savings Account, a Student Checking
Account, or both, please contact ISPFCU at 800-255-0886 or sign
up online by clicking
Notify Us Before You Travel
To avoid any inconvenience while you are vacationing
or away on business, be sure you notify us when you will be traveling.
As a fraud prevention measure, your debit and credit cards are monitored
for unusual activity. If transactions begin to come through on your
cards that are out of the ordinary, your cards may be blocked for further
use. However, if you notify us in advance we can help prevent this from
Simply call us at 800-255-0886 and let us know where
you will be traveling and the dates you will be gone. If you have any
questions in regards to this procedure please contact us for more information.
ISPFCU Club Benefits for Three Months Free!
ISPFCU would like to offer
our members the opportunity to try out our Club Benefits at no cost
to them. We are so confident that you will find them valuable
that we will let you try them out for three months absolutely free.
If after the three months has passed you decide you would like to cancel,
simply notify us and we will remove you with no questions asked.
If, however, you decide to stay enrolled in Club Benefits you will be
charged the regular monthly fee of $5.00/month.
Benefits include a $10,000
Accidental Death & Dismemberment Insurance, a $5,000 Identity Fraud
Expense Reimbursement Coverage, and a $100,000 Common Carrier Accidental
Death Insurance. Additional benefits include a Buyer’s Protection
plan that covers items 90 days from the date of purchase against accidental
breakage, fire, loss, or theft and an Extended Warranty plan that extends
the U.S. manufacturer’s original written warranty up to one full year
on most new retail purchases if the warranty is less than five years.
Yet another benefit is an
Entertainment Savers Guide that lists thousands of hotels and restaurants
where you can obtain discounts by showing your Savers Guide Membership
Card. The directory also contains discounts to movie theatres
and money-saving coupons from top national merchants. Also within
the Club Benefits is a Cash Back Member Rewards Program where you can
earn up to $40.00 a year just by turning in receipts totaling at least
$100.00 each quarter. By participating in the Cash Back Member
Rewards Program the benefits almost pay for themselves!
To view a complete listing of all the benefits
available please select the following links. The
ISPFCU Club is available for members with an ISPFCU Checking Account
Heritage Club is available for members with a Heritage Checking
Contact us at 800-255-0886
to get your access code for the Club Benefits website and to add the
perfect complement to your ISPFCU Checking Account today!