ISPFCU Board of Directors Election
ISPFCU will have
its 2016 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 Tuesday, February 16,
2016. 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
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 Tuesday, February 16, 2016 will have their names
placed on the ballot in random order.
The election results will be announced
at the 2016 Annual Meeting.
Taxes Done Right with TurboTax
You don’t have to
be a tax expert to do your own taxes. Because you are an
ISPFCU member, you can file your taxes at a discount with
TurboTax making it easy to do your own taxes. TurboTax
coaches you every step of the way to the biggest refund you
deserve. All you need to know is yourself as TurboTax
translates taxes into simple questions about your life and
puts everything on the right forms for you. TurboTax also
runs error checks and a final review of your return so that
you can rest easy knowing your taxes are done right.
here for more information and to get started today!
© 2015-2016 Intuit Inc. All rights
reserved. State filing charges apply. Limited time offer for
TurboTax 2015. Terms, conditions, features, availability,
pricing, fees, service and support options subject to change
without notice. Intuit, TurboTax and TurboTax Online, among
others, are registered trademarks and/or service marks of
Intuit Inc. in the United States and other countries. Other
parties' trademarks or service marks are the property of
their respective owners.
Zero Percent Financing or Cash Back – Which is the Better Option?
If you are in the market for a new vehicle now is a great time to buy! That is because auto dealers are now clearing out their older vehicles to make way for newer models. Because of that you have a better chance of scoring yourself a great deal. Most dealers are offering special incentives this time of year including zero percent financing or a hefty cash back offer. So which is the better option?
Although zero percent financing sounds enticing, when you compare the cash back option with the amount of money you would save with zero percent financing you will find more times than not your best bet is to take the cash back option and finance your loan with ISPFCU. If you aren’t sure which option to take let us know and we will run the numbers for you! We are here to help you secure the best deal possible on your next purchase!
Before visiting the dealer, call us first
to get preapproved for a loan with ISPFCU so that you can
negotiate in a position of power with your financing already
in hand! Then you can simply write a check to the dealer
when purchasing the vehicle! Apply online
here or give us a call at 800-255-0886 with any questions you may have and to get your preapproved loan today!
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
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.
ISPFCU Budget Crisis Loan
ISPFCU is pleased to offer a Budget
Crisis Loan to any State of Illinois employee who may have a
lapse in pay due to the state not finalizing a budget. The
ISPFCU Budget Crisis Loan is designed to supplement your
income up to a total maximum loan amount of one month’s net
pay. Each disbursement would be financed on a fixed
closed-end single payment loan for up to 90 days. The loan
would be due in full within 15 days of the resolution of the
state budget and payroll funds being disbursed or within 90
days, whichever is sooner. The interest rate for an ISPFCU
Budget Crisis Loan is 2.15%.* Please note that loan proceeds
from an ISPFCU Budget Crisis Loan will not be disbursed
until your normal pay date.
Apply for an ISPFCU Budget Crisis Loan
here or call us at 800-255-0886 with any questions you
may have. We will be happy to help you get the money you
need while the State of Illinois finalizes the budget.
*All rates are stated as an Annual
Percentage Rate (APR). Rates are subject to change at any
time. ISPFCU Budget Crisis Loan available for qualified
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.
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.
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
Home Branch Online. If you have any questions about this
service or need assistance getting enrolled please call us at
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
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
Make the switch to an ISPFCU VISA Platinum
If you are looking for a credit card with a great low rate and
no hidden fees, look no further than ISPFCU. An ISPFCU VISA
Platinum Credit Card comes with a rate as low as 7.15%* and
there is no annual fee! In addition, for a limited time, you
can transfer your high interest rate credit card balance at
another financial institution to an ISPFCU VISA Platinum Credit
Card and we will waive the balance transfer fee!
In addition to the standard ISPFCU VISA Platinum Credit Card
available, cardholders have the option to carry a card representing
the Illinois Association of Chiefs of Police, the Illinois Fraternal
Order of Police, the Illinois Police Association, the Illinois
State Police, the Illinois State Police Heritage Foundation,
Illinois Troopers Lodge #41, or the PB&PA at no extra cost.
To view these cards, please click
Don’t wait any longer! Make the switch to a credit card with
a great low rate and from a financial institution you can trust.
or call us at 800-255-0886 for more information and to get the
ISPFCU VISA Platinum Credit Card of your choice today.
*Your APRs may vary each billing period.
The ANNUAL PERCENTAGE RATE will change each month on the first
day of your billing cycle. The purchase rate equals The Wall
Street Journal prime* plus 3.90%. The cash advance/balance transfer
rate equals The Wall Street Journal prime* plus 6.90%. The APR
is for the Platinum Elite program. Your rate may vary based
on individual creditworthiness and ISPFCU underwriting standards.
here for full VISA disclosures.
Your Accounts for Unusual Activity
You may hear in the news periodically that
a company has been the victim of hackers who have gained access
to the debit and credit card information of their recent customers.
Unfortunately, these types of situations are out of our control
as a financial institution.
However, we can help you in the event
that your debit or credit card information is ever compromised.
We encourage you to regularly monitor your accounts for unusual
activity and to review your statement in its entirety promptly
when you receive it.
If you ever notice any fraudulent charges
on your ISPFCU accounts please call us at 800-255-0886 so that
we can help.
Open a Future
CrimeFighter Account For Your Child Today
It is never too early to teach your children
the importance of saving and financial responsibility.
By opening them a Future CrimeFighter Account at ISPFCU you
will help get them started down the right path to a secure financial
Future CrimeFighter Account holders receive
their own savings passbook, membership card, and a quarterly
newsletter containing articles on financial responsibility and
games. In addition, Future CrimeFighter Account holders
are entered into a drawing for a $25.00 deposit to their account
quarterly just for using the account!
If you have any questions
about a Future CrimeFighter Account or if you would like to
open your child an account today, please call us at 800-255-0886
or apply online
ISPFCU Accounts with Home Branch Online
If you are not familiar with ISPFCU’s Home Branch Online (HBO) then
now is the time to take advantage of this great service that comes
free with your ISPFCU membership. HBO is a convenient way to access
your accounts in the comfort of your own home or wherever you have
access to a computer. With HBO you can manage your finances at your
convenience 24 hours a day, seven days a week. HBO allows you to
make balance inquires, view images of cleared checks, transfer funds
between accounts, make loan payments, and much more.
HBO is also your online portal to other great ISPFCU services including
E-Pay, our free online bill payment service, VISA Access Online,
a site where you can view recent and pending transactions on your
ISPFCU VISA Platinum Credit Card, and E-Statements, a site where
you can view your current and previous ISPFCU monthly statements.
You also can take advantage of ISPFCU’s Account Alerts within Home
Branch Online. Account Alerts allow you to setup important account
reminders such as when your next loan payment is due or when your
checking account balance falls below a certain dollar amount. These
alerts can be received by email, text message, or both.
If you would like to get signed up for Home Branch Online or if
you are already signed up and have questions about one of the other
services mentioned within Home Branch Online please call us at 800-255-0886.
ID Theft Alert - Be Aware of Text Message Scams
Identity thieves are now targeting cell phone users with a scam
called smishing. In smishing scams, cell phone users receive a text
message that seems to come from a legitimate source, such as a financial
institution. The message seeks to convince users into clicking on
a link via the phones Internet connection or into calling a certain
phone number. Both the link and the phone number are fraudulent
and lead to a request for personal information that can be used
for identity theft. Once your identity has been stolen, it generally
takes much time and effort to regain your lost funds and your good
Take a few simple precautions to protect yourself from this growing
form of fraud. First, never respond to unsolicited requests for
personal financial information received via text message, even if
the request appears to come from a legitimate institution that you
do business with. Second, always be sure of who you are dealing
with. Don’t click on links in text messages or call numbers listed
in text messages. Verify contact information independently and key
in web addresses yourself. Lastly, monitor your credit report regularly
for signs of irregularities.
Remember, ISPFCU will never contact you via text message, e-mail,
phone, or any other way to ask for account numbers or passwords.
If you suspect you have been a victim of identity theft, contact
ISPFCU at 800-255-0886 immediately.
Your Vehicle with an Extended Auto Warranty
Your vehicle is one of your biggest investments.
By purchasing an ISPFCU Route 66 Extended Auto Warranty you will
enjoy peace of mind that no matter where you travel in the United
States, you are protected against major mechanical expenses. You
will also enjoy:
- No deductible on covered parts and
- Free emergency roadside service 24/7/365
- Car rental reimbursement
- Plans can be transferred if you sell
The warranties may be applied to any auto
whether they are paid off, financed at ISPFCU, or financed by another
financial institution. There are a variety of options to choose
from so you are sure to find one that meets your needs and your
budget. And if you act now, we will take $250.00 off the purchase
price of the warranty of your choice!
Call us at 800-255-0886 to learn more and
to get your vehicle protected today!
*This offer is for a limited time.
Special does not apply to warranties purchased on motorcycles.
of Quarterly Drawings Announced
In the recent Future CrimeFighter quarterly drawing, Benjamin from
Oak Park and Hayden from West Chicago 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, Aaron from
Greenville and David from Sadorus were drawn as the winners. Each won a
$25.00 iTunes gift card. Congratulations! To be eligible to win,
Student Checking account holders had to make at least one debit
transaction in each month of the previous quarter.
To be eligible to open a Future CrimeFighter Savings Account you
must be no older than 18. To be eligible to open a Student Checking
Account you must be between the ages of 16 and 22. If you are interested
in opening a Future CrimeFighter Savings Account, a Student Checking
Account, or both, please contact ISPFCU at 800-255-0886 or sign
up online by clicking
Notify Us Before You Travel
To avoid any inconvenience while you are vacationing
or away on business, be sure you notify us when you will be traveling.
As a fraud prevention measure, your debit and credit cards are monitored
for unusual activity. If transactions begin to come through on your
cards that are out of the ordinary, your cards may be blocked for further
use. However, if you notify us in advance we can help prevent this from
Simply call us at 800-255-0886 and let us know where
you will be traveling and the dates you will be gone. If you have any
questions in regards to this procedure please contact us for more information.
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 & Dismemberment Insurance, a $5,000 Identity Fraud
Expense Reimbursement Coverage, and a $100,000 Common Carrier Accidental
Death Insurance. Additional benefits include a Buyer’s Protection
plan that covers items 90 days from the date of purchase against accidental
breakage, fire, loss, or theft and an Extended Warranty plan that extends
the U.S. manufacturer’s original written warranty up to one full year
on most new retail purchases if the warranty is less than five years.
Yet another benefit is an
Entertainment Savers Guide that lists thousands of hotels and restaurants
where you can obtain discounts by showing your Savers Guide Membership
Card. The directory also contains discounts to movie theatres
and money-saving coupons from top national merchants. Also within
the Club Benefits is a Cash Back Member Rewards Program where you can
earn up to $40.00 a year just by turning in receipts totaling at least
$100.00 each quarter. By participating in the Cash Back Member
Rewards Program the benefits almost pay for themselves!
To view a complete listing of all the benefits
available please select the following links. The
ISPFCU Club is available for members with an ISPFCU Checking Account
Heritage Club is available for members with a Heritage Checking
Contact us at 800-255-0886
to get your access code for the Club Benefits website and to add the
perfect complement to your ISPFCU Checking Account today!