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2018 Board of Directors Election

ISPFCU will have its 2018 Board of Directors election by mail-in-ballot. There are two (2) three-year positions open on the Board of Directors. Any ISPFCU member can run for the Board of Directors as long as they are 18 years of age or older.

If you would like to run for a position on ISPFCU’s Board of Directors a petition must be returned to ISPFCU by the close of business on Thursday, February 15, 2018. The petition must be signed by at least 20 ISPFCU members. A member is defined as a person age 18 years or over listed as the primary owner of an open Regular Share Savings Account with a balance of at least $5.00. A statement of qualifications and biographical data consisting of not more than 120 words must also accompany the petition.

The petition and statement of qualifications is available here or by mail when requested. Members meeting the above qualifications, complying with all the requirements set forth in the ISPFCU Volunteer Qualifications Policy, and returning a petition to the credit union by the close of business on Thursday, February 15, 2018 will have their names placed on the ballot in random order.

The election results will be announced at the 2018 Annual Meeting.

Visa Olympic Winter Games Sweepstakes

What makes the Olympic Winter Games so special and exciting? Every four years, the world gets to come together in a new and unique host city to witness superior athletic competition. To celebrate the 2018 Olympic Winter Games in PyeongChang, Republic of Korea, Visa is offering Visa cardholders a chance to win a trip to a past Olympic Winter Games host city to relive the excitement!

Cardholders who use their Visa for purchases from January 1, 2018 through February 28, 2018 will be automatically entered for a chance to win a trip for two to a past Olympic Winter Games host city, courtesy of Visa. The more you use your Visa for purchases, the more chances you’ll have to win!*

One Grand Prize winner will receive a trip for two to a past Olympic Winter Games host city that includes:

  • Seven-day/six-night trip including airfare and hotel accommodations
  • Ground transportation to and from the airport
  • Guided city tour
  • $1,000 Visa Prepaid product

Please click here for a list of past Olympic Winter Games host cities and to review the Official Rules of the Olympic Winter Games Sweepstakes.

* NO PURCHASE OR OBLIGATION NECESSARY TO ENTER OR WIN THE VISA OLYMPIC WINTER GAMES SWEEPSTAKES 2018. Non-Purchase Entries and Purchase Entries have an equal chance of winning. Open only to legal residents of the fifty (50) U.S. and D.C., 18 or older as of 1 January 2018 and legal residents of Canada who are of the age of legal majority in their territory or province of residence as of 1 January 2018. For complete details including details on Non-Purchase Entries, see the Official Rules. PIN-based and ATM transactions are not eligible. Void in Puerto Rico and where prohibited. Sweepstakes ends 28 February 2018. Sponsored by Visa U.S.A. and Visa Canada Corporation.

Save on TurboTax with ISPFCU

As a member of ISPFCU, you can save $5.00 on TurboTax® Deluxe — the #1 best-selling tax software. With TurboTax, you’ll get your taxes done right and your biggest possible refund, guaranteed.

  • NEW: Expert review of your return - With TurboTax Live, you can have a live CPA or EA by your side to answer questions and review your tax return.
  • Get a head start on your taxes - Snap a photo of your W-2, or import it into TurboTax from over 1 million companies. Either way, you’ll save time and get a jump start on your tax return.
  • Searches over 350 deductions - TurboTax finds every deduction and credit you qualify for so you don’t miss a thing.

Click here to start using TurboTax today and save!

*#1 Best-Selling brand of tax software based on aggregated sales data for all tax year 2016 TurboTax products. Visit for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2017. 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.

Start 2018 off right with a Financial Checkup

Believe it or not, 2017 has come to a close. With a new year upon us, this would be a great time for you to conduct a financial checkup. Just as you would have an annual physical exam with your doctor, the start of a new year is a great time for an annual exam of your finances.

First, if you have any loans financed with other financial institutions, we want to help you by looking for ways to save you money by getting those loans refinanced with us at lower rates! Whether you have an auto or motorcycle loan or a home equity loan or credit card, we can help. And if you have several loans we can look at consolidating them giving you the convenience of having just one monthly loan payment. To submit your request for a free ISPFCU Financial Checkup simply click here and fill out the ISPFCU Financial Checkup form or call us at 800-255-0886. After we receive your request a loan officer will be in contact with you to see if we can lower your current monthly loan payments, save you money over the life of your loans, or both!

Next, when is the last time you reviewed your credit report for accuracy? Did you know that you are entitled to free credit reports from Equifax, Experian, and TransUnion once every 12 months? Visit the official website at Annual Credit Report Website to request your free credit reports so you can review them to make sure nothing is out of the ordinary. If you do find information that is incorrect you’ll want to contact the credit bureau immediately.

Lastly, as you go through your own financial checkup, now would also be a good time to educate your children or grandchildren about the importance of saving and financial responsibility. A good place to start would be to open them a Future CrimeFighter account at ISPFCU by clicking here. Help them get started on the path of saving, they will thank you for it later.

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 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, Rory from Rochester and Rachel from Glenarm 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, Christopher from Chatham and Cody 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.

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.

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ISPFCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. 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.