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Be Aware of Direct Deposit Scams

It has never been a more important time to keep a close watch over your finances and to be mindful of who you are giving your personal information to. A new fraudulent activity to be aware of is direct deposit scams. In most cases of a direct deposit scam, fictitious instructions are sent to your employer’s payroll department requesting that future direct deposits, or a portion or future direct deposits, be sent to a new financial institution. If the fraudsters are successful, they will then quickly withdrawal all the funds from the fraudulent account on your payday.

To help protect yourself from a direct deposit scam or any other form of identity theft, please review the following tips:

  • Do not give out any personal information over the Internet, on the phone, or through the mail unless you were the one to initiate contact or you are sure of the identity of the person or company.
  • Shred documents that you no longer need, including credit card applications, insurance forms, health forms, and billing statements.
  • Store private documents in a secure location.
  • Protect your Social Security number by leaving your card at home in a secure location. Do not carry it with you on a daily basis.
  • Place passwords on your financial institution and phone accounts. Avoid using passwords like your date of birth or your mother’s maiden name that a thief could easily obtain.

If you have been the victim of a direct deposit scam, notify your employer’s payroll department immediately as well as contacting ISPFCU at 800-255-0886.

Get More Financially Fit with the E-Pay Summer Sweepstakes

How does a chance to win $2,000 sound as a reward for getting more financially fit with the help of ISPFCU’s Online Bill Pay service, E-Pay? E-Pay is the fast, easy, and convenient way to pay all of your bills and manage your finances from the convenience of ISPFCU’s Home Branch Online. When you use E-Pay to add and pay a new bill, set up an automatic or recurring payment, or activate a new eBill during the months of August and September, you’ll be automatically entered to win one of five $2,000 prizes! It’s that easy!

Click on the Bill Pay tab within Home Branch Online here to add and pay a new bill, set up an automatic or recurring payment, or to activate a new eBill today! If you have any questions about E-Pay or the Summer Sweepstakes please call us at 800-255-0886.

*NO PURCHASE OR PAYMENT NECESSARY TO ENTER OR WIN. A purchase will not increase your chances of winning. Sweepstakes starts at 12:00:01 a.m. ET on 8/1/21 and ends at 11:59:59 p.m. ET on 9/30/21. Open to legal residents of the 50 United States and D.C., including the territories of Guam and Saipan, who are 18 years of age and older and are registered accountholders in good standing at a participating Financial Institution. To enter by mail, hand-print on a 3½” x 5” postcard: full name, full mailing address, day and evening phone numbers, email address (if any) and date of birth and mail to: PSCU Financial Fitness Sweepstakes C/O MRI, P.O Box 2117, Oak Park, IL 60303 -2117. Limit one (1) entry per postage-stamped postcard. Mail-in entries must be handwritten and postmarked by September 30, 2021 and received by October 8, 2021. Void where prohibited. For Official Rules, visit www.letsgetfinanciallyfitsweeps.com. Sponsor: Fiserv Solutions, LLC, 255 Fiserv Drive Brookfield, WI 53045.

Use your ISPFCU Visa Credit Card for a chance to win $5,000

Keep your ISPFCU Visa Platinum Rewards Credit Card top of wallet for a chance to win $5,000 to offset your monthly credit card purchases! Simply use your card on everyday purchases a minimum of four times per week from July 12th through October 31st in order to qualify for the drawing. Five participating eligible cardholders will be selected each month to win the prize. That’s a total of 20 winners! Use your card four times every week and you’ll increase your chances of winning! It’s that easy!

Don’t have an ISPFCU Visa Platinum Rewards Credit Card? No problem! You can apply online here to start the process of getting one of these great cards in your hands today! For more information on the Credit Union Give Back Sweepstakes and to view the complete sweepstakes rules please click here. If you have any questions, please call us at 800-255-0886.

*No purchase, entry fee, or credit card usage necessary to enter or win. Open to Rewards Program cardholders, who are legal residents of the 50 US, DC & PR, 18+. Sweepstakes ends 10/31/2021. Void Where Prohibited. Subject to Official Rules with alternate entry method: www.cugivebacksweepstakes.com.

Zero-Percent Financing or Cash Back – Which is the Better Option

If you are in the market for a new vehicle you have probably noticed dealers offering special incentives including zero-percent financing or a large cash back offer. So which is the better option? Most people rush to take the zero-percent financing offer as borrowing money without paying interest almost sounds too good to be true. However, when you compare the cash back offer with how much money you would save from zero-percent financing, you will likely find that it is in your best interest to take the cash back and finance your purchase with a low rate auto loan from ISPFCU!

If you aren’t sure which option to take let us know and we will run the numbers for you! Contact a member of our loan department today at 800-255-0886 to discuss all of your options or you may apply for an ISPFCU Auto Loan online here. Don’t be blinded by shiny zero-percent offers! Let ISPFCU help you secure the best deal possible on your next auto loan purchase today!

ISPFCU Visa Platinum Credit Card Lock/Unlock Now Available

If you have misplaced your ISPFCU Visa Platinum Credit Card or believe that it has been stolen you can now quickly and easily restrict any future access to the card by locking it within Home Branch Online! To lock your credit card for further use you will need to access Visa Access Online within Home Branch Online. You will then select View Transactions under the Statements and Activity tab. Simply click the green button labeled “Lock Card” near the top of the screen and you’re done!

Once you have been able to locate your card you can log back into Home Branch Online to access Visa Access Online and click the red button labeled “Unlock Card” so that you can start using your card as normal again. If you use your ISPFCU Visa Platinum Credit Card infrequently you may also choose to turn your card off anytime you are not using it for extra peace of mind. Please note that this service is not yet available for debit cards.

If you have any questions or need assistance locking or unlocking your ISPFCU Visa Platinum Credit Card please call us at 800-255-0886.

ISPFCU COVID-19 Coronavirus Safety Measures

As we continue to navigate the dynamic nature of the COVID-19 virus we at ISPFCU want to be sure we are providing exceptional member service while keeping our staff, members, and community healthy and safe. Beginning Thursday, August 13th the ISPFCU lobby will be open for appointments only. You can continue to utilize our drive-up during normal business hours. You can also contact member service at 800-255-0886 or visit our website www.ispfcu.org for your banking needs. If you have financial needs that require an in person appointment please contact our call center at 800-255-0886.

In accordance with Illinois Department of Public Health guidelines any individuals who enter our facility will be required to wear a mask or cloth face covering. Please feel free to review additional guidance from the Centers for Disease Control and Prevention at www.cdc.gov. If you have any questions about this notice please contact us at 800-255-0886. We appreciate your continued support.

Major Credit Bureaus Now Offering Free Weekly Credit Reports

Equifax, Experian, and TransUnion know that during these uncertain times of COVID-19, accessing your credit is important. Because of this, the three major credit bureaus are now offering free weekly online credit reports. To review your free credit reports online please visit www.annualcreditreport.com and follow the onscreen prompts. You may also call the credit bureaus directly. If during your review you find any information that is incorrect, you’ll want to contact the credit bureaus immediately to get your reports corrected. If you have any questions please contact us at 800-255-0886.

Sign up for ISPFCU Text Alerts Today

Would you like to be notified by text message when a system outage has been identified with your ISPFCU Visa Debit Card? How about when an issue has been found that impacts your ability to use your ISPFCU Visa Credit Card? If so, you can choose to receive these types of system outage alerts and more by text message by signing up for ISPFCU Text Alerts today!

Please note that ISPFCU Text Alerts is solely a system outage notification service and will not be used for any other purpose. There is no cost to enroll in ISPFCU Text Alerts* and you may unenroll at any time. Please call us at 800-255-0886 or send us a message through Home Branch Online to get signed up for ISPFCU Text Alerts today!

*Message and data rates may apply.

Set ISPFCU Visa Credit Card Travel Notes within Visa Access Online

Whether you are going on vacation or away on business, ISPFCU now offers an option that will help you cross an item off your to do list. With ISPFCU Visa Credit Card Travel Notes you now have the ability to set your own travel notes through Visa Access Online instead of having to notify us to add them for you! This new convenient service will give you added peace of mind knowing your travel plans are in your own hands.

As a fraud prevention measure, your ISPFCU Visa 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, by adding ISPFCU Visa Credit Card Travel Notes you can help prevent this from happening. Please note that this service is not yet available for debit cards.

To set a travel note you will need to access Visa Access Online within Home Branch Online. You will then select Travel Notes under the Communications tab. Simply follow the onscreen prompts to get your travel notes added in no time! If you have any questions or need assistance adding a Travel Note to your ISPFCU Visa Credit Card please call us at 800-255-0886.

Save Money as You Spend with ISPFCU’s Savings Transfer

Do you have a hard time saving money? If so, then ISPFCU’s Savings Transfer may be just what you need to help you achieve your savings goals. ISPFCU’s Savings Transfer is a savings program that helps you save as you spend. Each time you make a purchase with your ISPFCU Visa Debit Card, we’ll round up your purchase amount to the nearest dollar. At the end of each business day, we’ll total the rounded up amounts from all your debit card purchases and make a single transfer to the ISPFCU Share Account of your choice making it easier for you to save. This service is offered free of charge and you may cancel at any time without penalty. Call us at 800-255-0886 with any questions you may have about ISPFCU’s Savings Transfer and to get enrolled today!

Get Relief from ATM Surcharge Fees at ISPFCU

A recent checking account and ATM fee study conducted by Bankrate.com found that ATM surcharge fees hit a record high for the 14th year in a row! The study found that on average the total cost of withdrawing cash from an out-of-network ATM was $4.68!

As an ISPFCU Debit Card holder, you have access to nearly 85,000 Surcharge Free ATMs through the CO-OP and Allpoint ATM networks. This is more than double the coverage any national bank offers! With so much convenient access available to you through these two networks your days of paying a fee to withdraw cash from an ATM should no longer be necessary!

To find a complete listing of Surcharge Free ATMs near you today please use our ATM Locator Search here. If you have any questions or would like more information please call us at 800-255-0886.

*Source: 2018 Bankrate.com checking account and ATM fee study

ID Theft Alert – Credit Check Pop-Up Scam

There have been reports of a scam involving Internet browser pop-ups urging users to have their credit checked due to recent data breaches from Fiserv or Heathcare.gov. To make this scam even more convincing, these pop-ups may contain the name of a financial institution you do business with. If you receive a pop-up offering a free credit check, do not click on any of the links or call any phone numbers listed. You should also consider running a scan from an up-to-date virus scanner. 

You can take a few simple precautions to protect yourself from becoming a victim of identity theft. First, never respond to unsolicited requests for personal financial information received via phone, e-mail, text message, or any other way 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. 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.

Credit Freezes are now free with the Credit Bureaus

As part of the Economic Growth, Regulatory Relief, and Consumer Protection Act enacted earlier this year, it is now free for consumers to freeze and unfreeze their credit file with all of the major national credit bureaus including Equifax, Experian, and TransUnion. A credit freeze blocks identity thieves and others from looking at private details in your consumer credit history. Once the freeze is in place, potential creditors will be unable to view or pull your credit file unless you affirmatively unfreeze or thaw it beforehand.

Having a credit freeze in place does nothing to prevent you from using existing lines of credit you may already have such as a credit card or a home equity loan. To file a credit freeze you must contact each of the credit bureaus either online, by phone, or by mail. Visit the three major credit bureaus online at www.equifax.com, www.experian.com, and www.transunion.com to find contact information and for step by step instructions on how to place the credit freezes. If you have any questions about this please contact us at 800-255-0886.

Online Loan Payments Now Available within Account to Account Transfers

We are pleased to announce that you can now setup online payments to your ISPFCU loan accounts from your accounts at other financial institutions with ISPFCU’s Account to Account Transfers! You can make these transfers to your loan accounts at ISPFCU from other financial institutions free of charge within Home Branch Online. Please allow 2-3 business days for processing. You also have the ability to send money from your ISPFCU accounts to accounts at other financial institutions for the low cost of $2.50/transfer.

If you are not currently signed up for Account to Account Transfers and would like to get enrolled, simply click on Account to Account transfer under the Transfer tab within Home Branch Online to start the approval process. If you have any questions about this service or need assistance getting enrolled please call us at 800-255-0886.

Remote Deposit Capture User Agreement Update

Please note that due to recent regulatory changes the ISPFCU Remote Deposit Capture User Agreement has been updated. Effective immediately, each time you deposit a check with Remote Deposit Capture through the ISPFCU Mobile Banking App, please be sure to endorse the back of the check “For Mobile Deposit Only, ISPFCU Account #_______” or as otherwise instructed by ISPFCU.

If you have any questions about this notice please call us at 800-255-0886.

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 great rate, 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.

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.

Student Loans for ISPFCU by Sallie Mae

At ISPFCU, we offer great financial products and services to meet the unique needs of our members. That's why we've partnered with Sallie Mae to offer the Smart Option Student Loan, the Sallie Mae Parent Loan, and Sallie Mae's suite of graduate loans.

Each of these loans offers:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty
  • Multiple repayment options
  • Borrow up to 100% of all your school-certified expenses for the entire year like tuition, fees, books, housing, meals, travel, and even a laptop.

Find out which loan is right for you and apply at Student Loans for ISPFCU by Sallie Mae.

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, Gabriel from Chicago and Lucas from Schiller Park 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, Tess from Rochester and Leah 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.

Equal Housing Lender. We do business in accordance with the Federal FairHousing Law and the Equal Credit Opportunity Act.

ISPFCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 800-255-0886. All products and services available on this website are available at the ISPFCU branch.

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