Join us at the 2018 ISPFCU Annual Meeting
Mark your calendars and plan to attend the ISPFCU Annual Meeting on Friday, June 29, 2018. 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 2017, and future plans and goals. The meeting will begin at 11:30 a.m. with lunch being provided for all attendees. 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!
Earn a $5.00 Gift Card with ISPFCU’s E-Pay
Make the most of your time this spring and summer and earn a $5.00 eGift card when you add and pay two new payees using E-Pay! Just complete the following actions between May 1, 2018 and June 30, 2018 to receive a $5.00 eGift card from Amazon, Target, Walmart, or Starbucks:
- Add two new payees using E-Pay
- Pay two new payees using E-Pay
- Receive a $5.00 eGift card! It’s as simple as that!
And remember, with ISPFCU’s E-Pay you can enjoy the convenience of paying all of your bills in one place and have the ability to receive eBills and bill payment reminders automatically. ISPFCU’s E-Pay will also help you stay organized by allowing you to view details of all your past payments. Login to Home Branch Online to add and pay your two new payees with E-Pay here or call us at 800-255-0886 with any questions you may have today!
*To qualify for this one-time $5 eGift Card, the Bill Pay subscriber must complete a minimum of two (2) qualifying transactions from the same bill pay account between May 1, 2018 and June 30, 2018. A qualifying Bill Pay transaction is adding and paying a new biller through participating Credit Union. Qualifying Bill Pay transactions must be at least $10 and must be sent to a unique party with a different mailing address from the Bill Pay subscriber; payments to oneself are excluded. The $5 eGift Card will be processed by July 20, 2018 under this campaign after which time the participating Credit Union may close this campaign. Maximum of one, $5 eGift Card awarded per account holder. To be eligible for the bonus, the checking account from which the Bill Pay transactions were made must remain open at the time of offer fulfillment. Any Bill Pay subscriber who meets the qualification requirements as of June 30, 2018 but whose checking account to be credited is no longer in open status when the credit is paid will not receive the bonus. Any applicable taxes associated with this offer are the responsibility of the account holder. Business accounts are excluded. Employees of Fiserv, Inc. and their respective parent and affiliate companies, as well as board members and the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible. Rules are subject to change without notice. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation or endorsement. For promotional use only. Not responsible for lost or stolen reward codes; includes all applicable taxes and fees. Reward code may only be used once and will carry no balance. May not be combined with other promotional codes, gift cards or offers. Individual rewards subject to unique terms and conditions. Additional terms and conditions apply to use of the eGift Card. Offer only redeemable in the U.S.
Use your ISPFCU Visa Cards with Google Pay
Now the things you love about your ISPFCU Visa Debit and Credit cards are available right on your Android™ phone with Google Pay™! Google Pay is the fast, simple way to pay with your cards in stores and online using your compatible Android device.
Security and privacy is at the core of Google Pay. That’s because when you use your phone to pay in stores, Google Pay doesn’t send your actual credit or debit card number with your payment. Instead, a virtual account number is used to represent your account information so your card details stay safe. Google Pay works anywhere you see the Google Pay acceptance mark or the contactless symbol at checkout in stores. Just unlock your phone and hold it near the terminal to pay. And when shopping online with Google Pay, you can pay with a few quick clicks in apps and on the web as there is no need to enter your payment info.
Adding your ISPFCU cards to Google Pay takes just a few minutes. First, download the app from Google Play™ or check to see if it’s already installed on your phone. Then, open the app and follow the onscreen instructions. Google Pay works on Android devices running KitKat 4.4 or higher. Enjoy the ease and convenience of Google Pay with your ISPFCU Visa Cards today! If you have any problems getting your ISPFCU cards added to Google Pay or if you have any questions please call us at 800-255-0886.
*Android, Google Pay, and Google Play are trademarks of Google, Inc.
Enjoy No Balance Transfer Fees with an ISPFCU Visa Platinum Credit Card
Do you have a large balance on a high interest rate credit card from another financial institution or department store? If so, now is the perfect time to take advantage of an ISPFCU Visa Platinum Credit Card! Not only does the card come with a purchase rate as low as 9.40%, no annual fee, and the option to earn unlimited 1.00% cash rewards, but there is also no balance transfer fee!*
To apply for an ISPFCU Visa Platinum Credit Card today please call us at 800-255-0886 or apply online here. Stop paying those high interest rates and fees from other financial institution and department store credit cards and transfer your balances to 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 4.90%. The cash advance/balance transfer rate equals The Wall Street Journal prime plus 7.90%. The APR is for the Platinum Elite without rewards. Add 1.00% to the APR for Platinum Elite with rewards. Your rate may vary based on individual creditworthiness and ISPFCU underwriting standards. Click here for complete disclosures.
Equifax Announces Cybersecurity Incident
On September 7, 2017 consumer credit reporting agency Equifax announced a cybersecurity incident involving consumer information that could potentially impact 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. The information accessed primarily includes names, social security numbers, birth dates, addresses, and, in some instances, driver’s license numbers.
Equifax has established Equifax Security 2017 website, to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection. The offering, called TrustedID Premier, includes a 3-Bureau credit monitoring of Equifax, Experian, and TransUnion credit reports, copies of Equifax credit reports, identity theft insurance, and more all complimentary to U.S. consumers for one year. The offer expires November 21, 2017.
Equifax recommends that consumers with additional questions visit the Equifax Website or contact a dedicated call center at 866-447-7559.
Borrow funds from ISPFCU with a Share Secured Loan
Have you ever considered borrowing money from ISPFCU with a Share Secured Loan? Share Secured and Share Certificate Secured Loans are available for members who are in need of funds but do not wish to deplete their savings. This type of loan allows members to borrow money by using their own savings funds at ISPFCU as collateral. As you make payments, the amount applied towards the principal of the loan is then released for immediate access.
A great benefit of a Share Secured or Share Certificate Secured Loan is that you will be able to borrow money at a lower interest rate than what you could find with an unsecured loan. You will also continue to earn interest on the balance in your share account or share certificate even though there is a loan against the funds! Give us a call at 800-255-0886 with any questions you may have about an ISPFCU Share Secured or Share Certificate Secured Loan or apply for a loan online here today!
New Member Authentication Procedures Update
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 for all transactions not done in person. Once this authentication procedure has been set you will only be asked for this information to verify your identity going forward.
As of April 1, 2017, all members will be required to be verified using these new procedures for transactions not done in person. Please contact us at 800-255-0886 to submit your updated information today to make sure you have no interruption in service. The security of your sensitive financial information is very important to us. We appreciate your cooperation as we transition to these new enhanced procedures.
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 Checking Account!
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 today!
*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 insurance.
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% bringing your rate to as low as 2.99%!* 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 for a loan 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 2.99% APR. Special applies to new non-ISPFCU loans. Fixed loan rate of 2.99% equals payments of $17.96 for 60 months for each $1,000 borrowed.
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. Learn more about Sallie Mae or apply for a student loan.
The Smart Option Student Loan features and benefits:
- Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates, providing even more flexibility
- No origination fee and no prepayment penalty
- Benefits and an interest rate reduction available
- Rates that reward creditworthy borrowers
- Applying with a creditworthy cosigner may help you qualify
- 100% US-based Student Loan Specialists
More info on the Smart Option Student Loan
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.
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 800-255-0886.
ISPFCU Account Alerts
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.
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 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 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.
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!
*This offer is for a limited time. Special does not apply to warranties purchased on motorcycles.
Winners of Quarterly Drawings Announced
In the recent Future CrimeFighter quarterly drawing, Mason from Chatham and Anthony from Peotone 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, Ethan from Decatur and Bethany 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 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 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 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!
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.