Feature Articles

ISPFCU EMV Chip Cards Now Available

ISPFCU is pleased to announce that EMV chip cards for both ISPFCU Visa debit and credit cards are now available! EMV chip cards are slightly different than your existing ISPFCU cards in that they contain an embedded chip that uses secure technology to make it harder to copy your account information, better protecting you from fraud. ISPFCU EMV chip cards can be used anywhere Visa is accepted.

Using your new EMV chip card at chip-enabled terminals will be a little different. Not harder, just different. Simply insert your card “chip first” into the chip-enabled terminal. With chip transactions, your card remains in the terminal throughout your transaction. Follow the prompts on the terminal and wait for the transaction to be processed. Once the transaction is complete you may remove your card when prompted to do so by the payment terminal. For retailers without chip-enabled terminals you will check out as you normally would by swiping your card or by providing your card information for over the phone and online purchases.

These new EMV chip cards will be reissued at your current card’s expiration date. If you have any questions about EMV cards please call us at 800-255-0886.

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%!* 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 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 2.15% APR. Special applies to new non-ISPFCU loans. Fixed loan rate of 2.15% equals payments of $17.59 for 60 months for each $1,000 borrowed.

Get the Real Deal with a Credit Card from ISPFCU

We know that you are deluged daily with many credit card offers, whether on TV, the Internet, or in the mail, with promises of low rates, no annual fees, and great rewards. But we know from experience that low rates are often teaser rates, good only for so long and then increase dramatically. Fees you weren’t aware of may start appearing on your statement. And the great rewards aren't really "free" when you factor in the higher interest rates and fees.

Get the real deal on a credit card with ISPFCU! We reveal everything up front and you will get a rate typically better than what you could find elsewhere with current ISPFCU VISA rates as low as 7.40%!* We don't play games with hidden fees. And with all the money you'll save on interest rates and fees from other financial institution credit cards, you can go out and buy your own rewards!

If you have any questions about an ISPFCU VISA Platinum Credit Card please call us at
800-255-0886 or you may apply online here. Stop paying those high interest rates and fees from other financial institution credit cards and get 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 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. Rate accurate as of 03/01/16. Click here for complete disclosures.

Access Thousands of Surcharge Free ATMs with ISPFCU

Did you know that as a member of ISPFCU you have access to your accounts at thousands of surcharge free ATMs? As an ISPFCU Debit Card holder you can withdrawal funds from your accounts surcharge free through two of the largest ATM networks in the United States in
CO-OP and StarSF. To search for a listing of surcharge free ATMs near you today click here and follow the onscreen instructions.

If you have any questions or would like assistance finding a surcharge free ATM near you please call us at 800-255-0886.

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. To learn more or to apply, please get started here.

The Smart Option Student Loan features and benefits:

  • Multiple in-school repayment options plus a choice of competitive fixed and variable interest rates provides even more flexibility
  • No origination fees and no prepayment penalty
  • Rewards and interest rate reductions available
  • Rates that reward creditworthy borrowers
  • Applying with a creditworthy cosigner may help you qualify and/or receive a lower rate
  • 100% US-based Student Loan Specialists

To learn more, please get started here.

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.

Let Your Home Work for You with an ISPFCU Home Equity Loan

Do you need some extra money to make home improvements? Or, maybe some extra money to help finance your child's education, buy a new car, or consolidate debt? Whatever the circumstance, an ISPFCU Home Equity Loan is a versatile loan product that could be just what you are looking for.

An ISPFCU Home Equity Loan lets you borrow against the equity you have built up in your home up to 80% of the value of your home minus your first mortgage balance. With our Home Equity Loan rates as low as 2.25%*, a home equity loan is a great option with its low interest rate and fixed monthly payments. Another great benefit of a home equity loan is that the interest you pay may be tax deductible. We recommend consulting with a tax advisor regarding the deductibility of interest.

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

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.


Access Your ISPFCU Accounts with Home Branch Online

If you are not familiar with ISPFCU’s Home Branch Online (HBO) then now is the time to take advantage of this great service that comes free with your ISPFCU membership. HBO is a convenient way to access your accounts in the comfort of your own home or wherever you have access to a computer. With HBO you can manage your finances at your convenience 24 hours a day, seven days a week. HBO allows you to make balance inquires, view images of cleared checks, transfer funds between accounts, make loan payments, and much more.

HBO is also your online portal to other great ISPFCU services including E-Pay, our free online bill payment service, VISA Access Online, a site where you can view recent and pending transactions on your ISPFCU VISA Platinum Credit Card, and E-Statements, a site where you can view your current and previous ISPFCU monthly statements. You also can take advantage of ISPFCU’s Account Alerts within Home Branch Online. Account Alerts allow you to setup important account reminders such as when your next loan payment is due or when your checking account balance falls below a certain dollar amount. These alerts can be received by email, text message, or both.

If you would like to get signed up for Home Branch Online or if you are already signed up and have questions about one of the other services mentioned within Home Branch Online please call us at 800-255-0886.


ID Theft Alert - Be Aware of Text Message Scams

Identity thieves are now targeting cell phone users with a scam called smishing. In smishing scams, cell phone users receive a text message that seems to come from a legitimate source, such as a financial institution. The message seeks to convince users into clicking on a link via the phones Internet connection or into calling a certain phone number. Both the link and the phone number are fraudulent and lead to a request for personal information that can be used for identity theft. Once your identity has been stolen, it generally takes much time and effort to regain your lost funds and your good name.

Take a few simple precautions to protect yourself from this growing form of fraud. First, never respond to unsolicited requests for personal financial information received via text message, even if the request appears to come from a legitimate institution that you do business with. Second, always be sure of who you are dealing with. Don’t click on links in text messages or call numbers listed in text messages. Verify contact information independently and key in web addresses yourself. Lastly, monitor your credit report regularly for signs of irregularities.

Remember, ISPFCU will never contact you via text message, e-mail, phone, or any other way to ask for account numbers or passwords. If you suspect you have been a victim of identity theft, contact ISPFCU at 800-255-0886 immediately.


Protect Your Vehicle with an Extended Auto Warranty

Your vehicle is one of your biggest investments. By purchasing an ISPFCU Route 66 Extended Auto Warranty you will enjoy peace of mind that no matter where you travel in the United States, you are protected against major mechanical expenses. You will also enjoy:

  • No deductible on covered parts and labor
  • Free emergency roadside service 24/7/365
  • Car rental reimbursement
  • Plans can be transferred if you sell your car

The warranties may be applied to any auto whether they are paid off, financed at ISPFCU, or financed by another financial institution. There are a variety of options to choose from so you are sure to find one that meets your needs and your budget. And if you act now, we will take $250.00 off the purchase price of the warranty of your choice!

Call us at 800-255-0886 to learn more and to get your vehicle protected today!

*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, Jillian from Springfield and John from Wyoming 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, Dalanie from Kilbourne and Spencer 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 by clicking here.

Notify Us Before You Travel

To avoid any inconvenience while you are vacationing or away on business, be sure you notify us when you will be traveling. As a fraud prevention measure, your debit and credit cards are monitored for unusual activity. If transactions begin to come through on your cards that are out of the ordinary, your cards may be blocked for further use. However, if you notify us in advance we can help prevent this from happening.

Simply call us at 800-255-0886 and let us know where you will be traveling and the dates you will be gone. If you have any questions in regards to this procedure please contact us for more information.


Try ISPFCU Club Benefits for Three Months Free!

ISPFCU would like to offer our members the opportunity to try out our Club Benefits at no cost to them.  We are so confident that you will find them valuable that we will let you try them out for three months absolutely free.  If after the three months has passed you decide you would like to cancel, simply notify us and we will remove you with no questions asked.  If, however, you decide to stay enrolled in Club Benefits you will be charged the regular monthly fee of $5.00/month. 

Benefits include a $10,000 Accidental Death 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.