Feature Articles

Heartbleed Bug Update

As you may have seen recently in the news, the National Cyber Awareness System has uncovered a computer bug called Heartbleed which is a vulnerability in the encryption technology used by millions of websites. Please rest assured that the Heartbleed bug has not impacted the safety of your personal information with ISPFCU and ISPFCU’s Online and Mobile Banking are safe to use.

However, due to the nature of Heartbleed and as an industry best practice it has been recommended that financial institution members change their Internet banking login passwords. Due to this recommendation when you log in to ISPFCU’s Home Branch Online for the first time on Monday, April 14th after 8:00 a.m. you will be prompted to change your password.

We apologize for any inconvenience this may cause you. If you have any questions about this notice 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 interest.

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


Simplify Your Life with the ISPFCU E-Pay Sweepstakes

Simplify your life with the ISPFCU E-Pay Sweepstakes! Pay all of your bills with E-Pay or activate a new eBill between March 29, 2014 and June 30, 2014 for a chance to win! The more bills you pay the more entries you’ll earn with up to 30 chances to win. You could win one of the several prizes that will be awarded including a vacation property rental valued at $1,500.00, a new iPad Mini, or one of the many gift cards that will be given away.

Have you tried E-Pay yet? With E-Pay, ISPFCU’s Online Bill Payment service, you can view and track up to 18 months of payment history and schedule one-time and recurring payments up to one year in advance. You can also pay anyone and control who, when, and how much you pay, unlike auto debit! You will also 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!

Login to Home Branch Online to start using E-Pay today and enjoy a better way to pay your bills!


*NO PURCHASE NECESSARY. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. LEGAL RESIDENTS OF THE 50 UNITED STATES (D.C.) 18 YEARS AND OLDER. Business entities are not eligible to participate. VOID WHERE PROHIBITED. Sweepstakes Entry Period 1 ends 6/30/14. Sweepstakes Entry Period 2 ends 11/30/14. For Official Rules, alternate method of entry, prize descriptions and odds disclosure, visit www.SimplifySweeps.com. Sponsor: Fiserv Solutions, Inc., 4411 East Jones Bridge Road, Norcross, GA 30092.




ISPFCU Annual Meeting

Mark your calendars and plan to attend the ISPFCU Annual Meeting on Friday, June 27, 2014. The meeting will be held at the Northfield Inn and Suites Conference Center located at 3280 Northfield Drive 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 2013, and future plans and goals.

Breakfast will be served at 8:30 a.m. with the meeting following at 9:00 a.m. This event is free and open to all members. Reservations are no longer required in order to join us for breakfast and the meeting. If you have any questions about the Annual Meeting please call us at 800-255-0886.



ISPFCU Golf Outing

Join fellow credit union members and friends for a round of golf at the annual ISPFCU Golf Outing. The outing will take place on Friday, June 13, 2014 at Lake Shore Golf Course in Taylorville, Illinois. The four-person scramble will begin with a shotgun start at noon and conclude with dinner around 5:00 p.m.

There are four divisions: Men, Women, Mixed, and Senior. At least two members of each team must be current members of ISPFCU or eligible potential members of ISPFCU. All four players on a team entering the Senior division must be 60 years of age or older by the date of the event.

The cost for the outing is only $50.00/player which covers golf with cart, dinner, and prizes. Registration forms can be picked up at the credit union, mailed to your home address, or downloaded here. All registrations must be returned to the credit union no later than the close of business on Thursday, June 5, 2014.

Call ISPFCU at 800-255-0886 for more information and to make your reservations today!

Law Enforcement Torch Run Polar Plunge Results

ISPFCU Staff participated in the Law Enforcement Torch Run Polar Plunge at Lake Springfield March 1, 2014. The Law Enforcement Torch Run Polar Plunge is a unique opportunity to support Special Olympics athletes. Participants in the Polar Plunge raise donations in exchange for jumping into the icy waters of an Illinois lake in the middle of winter. Over $80,000 was collected from all of the teams in this plunge to benefit Illinois Special Olympics athletes!


                   



ISPFCU wants to thank everyone that supported and donated to the Law Enforcement Torch Run Polar Plunge. You can still support this great cause by visiting our team page here to donate.


ISPFCU Tax Preparation Discounts

ISPFCU is pleased to offer our members discounts on two tax preparation services. With TurboTax Online you can feel good about doing your own taxes with this easy to use online tax software. TurboTax Online asks you easy questions, accurately completes all the tax calculations for you, and guides you through major changes to your tax situation. ISPFCU members can now save $5.00 off the price of the TurboTax Online Federal Deluxe edition, $10.00 off the price of the TurboTax Online Federal Premier edition, or $15.00 off the TurboTax Online Federal Home and Business edition. To obtain the TurboTax Online discounts please click here.

If you would prefer not to file on your own then you can relax and let a tax pro handle your taxes with Jackson Hewitt. Jackson Hewitt provides complete tax consultation, preparation, filing, and refund processing. ISPFCU members are eligible to save either $30.00 on their individual income tax preparation at participating Jackson Hewitt locations or pay $50.00 less than last year when you switch to Jackson Hewitt from a competing tax preparer. To obtain the Jackson Hewitt discount please click here.

So whether you prefer to self-prepare online or work with a tax professional, we have a discount for you. If you have any questions about these special discounts please call ISPFCU at 800-255-0886.

TurboTax Disclaimer:

1 Maximum (Biggest) Refund Guaranteed or Your Money Back: If you get a larger refund or smaller tax due from another tax preparation method, we’ll refund the applicable TurboTax or SnapTax federal and/or state purchase price paid. TurboTax Online Federal Free Edition customers are entitled to payment of $14.99 and a refund of your state purchase price paid. Claims must be submitted within sixty (60) days of your TurboTax or SnapTax filing date and no later than 6/15/14. Efile, Audit Defense, Ask a Tax Expert, Refund Transfer and technical support fees are excluded. This guarantee cannot be combined with the TurboTax Satisfaction (Easy) Guarantee.

© 2013-2014 Intuit Inc. All rights reserved. State filing charges apply. Limited time offer for TurboTax 2013. 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.

Jackson Hewitt Disclaimer:

Offer valid on tax preparation fees only and on no other product or service. May not be combined with any other offer, discount, or promotional price. Valid at participating locations only. Most offices are independently owned and operated. Your Credit Union does not determine fees charged by Jackson Hewitt or its franchisees. If you are not satisfied with the fees quoted you are not obligated to complete your return with Jackson Hewitt and may decline their services any time prior to filing. Offer valid for tax prep fees paid of $150 or more. Proof of last year’s tax prep fee required. Offer expires 4/30/14.


Make the switch to an ISPFCU VISA Platinum Credit Card

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 here.

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. Apply online here 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.

Click 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.

Monitor 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. 

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 here.

 

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 Referral Rewards – Spread the Word, Earn Cash


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 than 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 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.

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.



Access Your 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 name.

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.

 

Protect 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 labor
  • Free emergency roadside service 24/7/365
  • Car rental reimbursement
  • Plans can be transferred if you sell your car

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!

 

Winners of Quarterly Drawings Announced

In the recent Future CrimeFighter quarterly drawing, Alyssa from Brighton and Regina from Chatham 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, Karl from Springfield and Logan from Auburn 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 here.

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 happening.

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 and the Heritage Club is available for members with a Heritage Checking Account. 

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!