ISPFCU Board of Directors Election
ISPFCU will have its 2017 Board of
Directors election by mail-in-ballot. There is one (1)
three-year position open on the Board of Directors. Any
ISPFCU member can run for the Board of Directors as long as
they are 18 years of age or older.
If you would like to run for a position
on ISPFCU’s Board of Directors a petition must be returned
to ISPFCU by the close of business on Wednesday, February
15, 2017. The petition must be signed by at least 20 ISPFCU
members. A member is defined as a person age 18 years or
over listed as the primary owner of an open Regular Share
Savings Account with a balance of at least $5.00. A
statement of qualifications and biographical data consisting
of not more than 120 words must also accompany the petition.
The petition and statement of
qualifications is available
here or by mail when requested.
Members meeting the above qualifications, complying with all
the requirements set forth in the ISPFCU Volunteer
Qualifications Policy, and returning a petition to the
credit union by the close of business on Wednesday, February
15, 2017 will have their names placed on the ballot in
The election results will be announced
at the 2017 Annual Meeting.
Taxes Done Right with TurboTax
You don’t have to be a tax expert to do your own taxes.
Because you are an ISPFCU member, you can file your taxes at
a discount with TurboTax making it easy to do your own
taxes. TurboTax coaches you every step of the way to the
biggest refund you deserve. All you need to know is yourself
as TurboTax translates taxes into simple questions about
your life and puts everything on the right forms for you.
TurboTax also runs error checks and a final review of your
return so that you can rest easy knowing your taxes are done
here for more information and to get started today!
TurboTax product guarantees and other important information.
State filing charges apply. Limited time offer for TurboTax
2016. Terms, conditions, features, availability, pricing,
fees, service and support options subject to change without
notice. Intuit, TurboTax and TurboTax Online, among others,
are registered trademarks and/or service marks of Intuit
Inc. in the United States and other countries. Other
parties' trademarks or service marks are the property of
their respective owners.
Don't Wait – Open an ISPFCU Christmas Club Account Today
It has been said the best time to buy an umbrella is before
it starts to pour. The same is true of planning for
Christmas each year. The best time to start getting ready
for 2017 is right now! By signing up for a Christmas Club
Account at ISPFCU, you can accumulate cash each month. And
if you use automatic transfers, saving is painless. There is
no minimum balance requirement and you’ll even earn interest
on the account. The funds you have accumulated for the year
will be paid to you on the first business day in November
either by a direct transfer to your ISPFCU Checking Account
or by a check in the mail. The sooner you sign up for a
Christmas Club Account, the more funds you will have to
spend in 2017. You’ll be surprised at how quickly you can
make your savings grow! Contact us at 800-255-0886 to get
your Christmas Club Account opened today!
New Member Authentication Procedures
To better safeguard you and your
sensitive financial information, ISPFCU has implemented new
member authentication procedures. If you haven’t done so
already, the next time you contact ISPFCU we will ask you to
submit updated information to use for verifying your
identity. Once this authentication procedure has been set
you will only be asked for this information to verify your
identity going forward.
If you have any questions about our new member
authentication procedures or if you’d like to submit your
updated information today please call us at 800-255-0886.
The security of your sensitive financial information is very
important to us. We appreciate your cooperation as we
transition to these new enhanced procedures.
Smart Mobile Security Tips for Shopping Online
As the holiday season approaches,
hackers are on the prowl for your sensitive financial
information. Recent reports have shown that a bogus Flash
Player app aimed at Android mobile devices has surfaced and
has lured its victims into downloading and installing
banking malware that can steal debit and credit card
information. To combat cybercriminals, please take note of
the following mobile security tips for safe online shopping:
- When browsing or shopping
on your phone, always look for "https" in the URL
instead of "http." This indicates an added level of
security, which should always appear before exchanging
any private information.
- Do not buy anything while
connected to a public Wi-Fi. These networks are not
- Never download a payment
app you don't recognize or buy from an unknown app
store. Cybercriminals with knowledge of web development
can create phony shopping apps that they use to steal
personal information from unsuspecting shoppers.
- Never click on links from
spam emails to make purchases. It's always a bad idea to
click on a link in an email from someone you don't know,
but it's particularly dangerous if you buy on a site
advertised in a spam email.
- Run regular updates on
your retail apps, especially when patches are released
to fix security holes. Also, make sure your mobile
device has the latest software update.
- After making a purchase,
remember to log off of the retailer's site.
ISPFCU EMV Chip Cards Now Available
ISPFCU is pleased to announce that EMV
chip cards for both ISPFCU Visa debit and credit cards are
now available! EMV chip cards are slightly different
than your existing ISPFCU cards in that they contain an
embedded chip that uses secure technology to make it harder
to copy your account information, better protecting you from
fraud. ISPFCU EMV chip cards can be used anywhere Visa is
Using your new EMV chip card at
chip-enabled terminals will be a little different. Not
harder, just different. Simply insert your card “chip first”
into the chip-enabled terminal. With chip transactions, your
card remains in the terminal throughout your transaction.
Follow the prompts on the terminal and wait for the
transaction to be processed. Once the transaction is
complete you may remove your card when prompted to do so by
the payment terminal. For retailers without chip-enabled
terminals you will check out as you normally would by
swiping your card or by providing your card information for
over the phone and online purchases.
These new EMV chip cards will be
reissued at your current card’s expiration date. If you have
any questions about EMV cards please call us at
Don’t Worry, Buy Happy with ISPFCU Club Benefits
Getting new stuff is fun. Breaking it,
having it stolen, or having it stop working isn’t. By
signing up for ISPFCU Club Benefits, you can gain peace of
mind when shopping by having Debit Advantage coverage on
your side! Debit Advantage coverage will replace, repair, or
reimburse you for amounts up to the full purchase price of
your new item that is broken or stolen during the first 90
days after the purchase date. Debit Advantage will also
double the manufacturer’s warranty for up to a full
additional year on eligible items you buy from your ISPFCU
Debit Advantage is just one more in the
long list of benefits available to you when you sign up for
ISPFCU Club Benefits for the low cost of $5.00/month. We are
so confident that you will find ISPFCU Club Benefits
valuable that we will let you try them out for three months
absolutely free! Call us at 800-255-0886 with any questions
you may have and to start your free Club Benefits trial
*Special Insurance Program Notes:
The descriptions herein are summaries only. They do not
include all terms, conditions, and exclusions of the
policies described. Please refer to the actual policies for
complete details of coverage and exclusions. Insurance is
offered through the company named on the certificate of
Here's Your Second Chance: Refinance with ISPFCU
Life doesn't always give you a second chance, so when one
comes around, grab it! If you have a high interest rate
vehicle loan from a dealer or another financial institution,
make ISPFCU your next stop! That’s because for a limited
time ISPFCU will beat your current financing by at least
1.00%!* This special offer not only applies to auto loans
but to all title-secured loans including motorcycle, boat,
and RV loans as well!
Who couldn’t use some extra money each month? That's money
you can put away in savings, pay off a credit card bill, or
use for whatever you like. In addition, with the convenience
of payroll deduction or automatic transfer, you can put your
new lower loan payment on autopilot. Don't delay! The sooner
you refinance your vehicle loan, the more money you'll save!
Contact us today at
800-255-0886 to speak with an ISPFCU
loan officer or you may apply online
here. Let us help you
save more of your hard earned money today!
*All rates are stated as an Annual Percentage Rate (APR). Rates are subject to change at any time. Rates quoted are for individuals with excellent credit. Individuals with less than excellent credit may be offered higher rates. Lowest possible rate is
2.15% APR. Special applies to new non-ISPFCU loans. Fixed loan rate of 2.15% equals payments of $17.59 for 60 months for each $1,000 borrowed.
Real Deal with a Credit Card from ISPFCU
We know that you are deluged daily with many credit card
offers, whether on TV, the Internet, or in the mail, with
promises of low rates, no annual fees, and great rewards.
But we know from experience that low rates are often teaser
rates, good only for so long and then increase dramatically.
Fees you weren’t aware of may start appearing on your
statement. And the great rewards aren't really "free" when
you factor in the higher interest rates and fees.
Get the real deal on a credit card with ISPFCU! We reveal
everything up front and you will get a rate typically better
than what you could find elsewhere with current ISPFCU VISA
rates as low as 7.40%!* We don't play games with hidden
fees. And with all the money you'll save on interest rates
and fees from other financial institution credit cards, you
can go out and buy your own rewards!
If you have any questions about an ISPFCU VISA Platinum
Credit Card please call us at
800-255-0886 or you may apply
here. Stop paying those high interest rates and fees
from other financial institution credit cards and get an
ISPFCU VISA Platinum Credit Card 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. Rate accurate as of 03/01/16.
here for complete disclosures.
Access Thousands of Surcharge Free ATMs with ISPFCU
Did you know that as a member of ISPFCU
you have access to your accounts at thousands of surcharge
free ATMs? As an ISPFCU Debit Card holder you can withdrawal
funds from your accounts surcharge free through the CO-OP
ATM network, one of the largest ATM networks in the United
States. To search for a listing of surcharge free ATMs near
you today click
here and follow the onscreen instructions.
If you have any questions or would like
assistance finding a surcharge free ATM near you please call
us at 800-255-0886.
Smart Option Student Loan for ISPFCU by Sallie Mae
Now you can pay for college the smart way with three great repayment options and competitive interest rates! This loan is an ideal solution to help you pay for college expenses not covered by scholarships and federal loans. To learn more or to apply, please
get started here.
The Smart Option Student Loan features and benefits:
- Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
- No origination fees and no prepayment penalty
- Rewards and interest rate reductions available
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
- 100% US-based Student Loan Specialists
To learn more, please
get started here.
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
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 stickers each time
they make a deposit. In addition, Future CrimeFighter
Account holders are entered into a drawing for a $25.00
deposit to their account quarterly just for using the
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
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, Jack from
Springfield and Joseph from Wolf Lake 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, Taylor from
Springfield and Nick from Rochester 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 Insurance and a $5,000 Identity Fraud Expense Reimbursement Coverage. Additional benefits include Debit Advantage coverage that covers items for 90 days from the date of purchase against accidental breakage 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® SaversGuide® 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!