ISPFCU Annual Meeting
Mark your calendars and plan to attend the
ISPFCU Annual Meeting on Friday, June 26, 2015 beginning at
9:00 a.m. The meeting will be held at Troopers Lodge
#41 located at 5880 South Sixth Street in Springfield,
Illinois. The Annual Meeting is an occasion for
management and elected officials to report to you, the
member, about important issues such as our financial
position, products and services, current business issues,
accomplishments of the year 2014, and future plans and
goals. Coffee and donuts will be available throughout
the duration of the meeting. This event is free and
open to all members. If you have any questions about
the Annual Meeting please call us at 800-255-0886. We
look forward to seeing you there!
Smart Option Student Loan by Sallie Mae
As more Americans pursue their dream of higher education,
many students are looking for ways to fund the gap between
financial aid and college expenses. That’s why ISPFCU has
partnered with Sallie Mae® to offer you the Smart Option
Student Loan®, so that students and families can choose from
three repayment options designed to help you pay off your
loan faster and save money compared to a conventional
private loan. With competitive interest rates, flexible
repayment options, and a choice of variable or fixed
interest rates, the Smart Option Student Loan is a
Features and benefits of the ISPFCU Smart Option Student
Loan by Sallie Mae include:
- A choice of competitive fixed and variable interest rates
providing even more choice and flexibility
- No origination fees and no prepayment penalty
- Multiple in-school repayment options available
- Borrower benefits available, like rewards and interest
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify
and/or receive a lower rate
- 24/7 online account management
Investing in higher education continues to be one of the
best decisions you can make, and we want to help make it
happen. Together, we can do this. Find resources for
navigating the college application process, learn more about
the Smart Option Student Loan, and apply online
ISPFCU Smart Option
Student Loan by Sallie Mae
*ISPFCU is not the creditor for these loans and is
compensated for the referral of Smart Option Student Loan
customers. This information is for borrowers attending
degree-granting institutions only. Credit criteria and
eligibility requirements apply.
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.
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
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
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.
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, Kadence from
Springfield and Payton from Sherman 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, Brennan from
and Riley from Springfield 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.
Try 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!
By clicking on a link, you are leaving the credit union’s
website. You are linking to a website not operated by ISPFCU. The
credit union is not responsible for the content of the alternate
website. The credit union does not represent either the third party
or the member if the two enter into a transaction. Each third party
site may have privacy and security policies that differ from ISPFCU.