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
We apologize for any inconvenience this may cause you. If you
have any questions about this notice please contact us at
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
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!
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.
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.
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
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
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
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
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
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
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 Referral Rewards – Spread the Word,
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.
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!
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
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
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!