We understand that your trust in us depends on how well we are able to protect your personal and account information. Therefore, we take guarding your information very seriously. We will NEVER contact you via e-mail or phone asking for confidential or sensitive information. Additionally, we will never ask you for your account number, PIN, SSN, credit card number or other personally identifiable information via e-mail. When you call us, please ensure you have dialed the credit union's phone number located in the contact us section of this website. Our associates will take steps to verify your identity when you call. All unsolicited requests for your personal information should be considered fraudulent.
If you have received a suspicious e-mail or other fraudulent correspondence regarding our credit union, please forward it to firstname.lastname@example.org.
Identity theft is one of the fastest-growing crimes in our country. An identity thief could drain your accounts, make purchases with your credit cards, use your insurance, or ruin your credit.
To help you keep your identity safe and secure, pay close attention to the following signs:
Credit card and checking account statements that don't arrive when they should for no apparent reason
Bills for purchases you never made
Collection agencies attempting to collect on debts that you didn't incur
Bills from credit accounts you did not open
Unauthorized charges on your phone or checking account statements
Credit reports showing new, unauthorized accounts
We also recommend our members review their personal credit report on a regular basis to help prevent identity-related fraud. By federal law, you have the right to obtain a free copy of your credit report. To get a free copy of your credit report, visit www.annualcreditreport.com.
Phishing is a common type of spam that can lead to theft of your personal details such as credit card numbers or online banking passwords. Phishing attacks work by the scam artist sending "spoofed" emails that appear to come from a legitimate website that you have online dealings with such as a credit union, bank or credit card company — any site which requires users to have a personal identity or account.
Steps to protect yourself:
Never respond to emails that request personal financial information
Visit the websites by typing the URL into the address bar
Keep a regular check on your accounts
Check the website you are visiting is secure
Be cautious with emails and personal data
Some phishing emails or other spam may contain software that can record information on your internet activities (spyware). Installing anti-virus software and keeping it up to date will help detect and disable malicious software. It is also important, particularly for users with a broadband connection, to setup a firewall. This will help keep the information on your computer secure while blocking communication from unwanted sources.
Spam text messages, also known as phishing texts, trick consumers into providing personal data to criminals who pose as a familiar business, organization, or family member.
Criminals use phishing text messages to attain usernames and passwords, social security numbers, credit card numbers and PINs to commit fraud or identity theft. Other attacks focus on downloading viruses or malware, which can give thieves access to your bank accounts.
Common phishing texts can include messages related to:
Winning an unexpected prize
Government agencies, such as the IRS, trying to contact you
Popular businesses, such as Walmart or Amazon, sending you a refund
Financial institutions attempting to verify your information
Delivery companies, such as FedEx or UPS, asking for package preferences
Verifying technology accounts, such as Apple IDs
Free bitcoins or other cryptocurrencies
Family members needing immediate financial help
Here are some best practices to help you handle spam texts appropriately.
Do not respond. If you suspect a text is from a scammer, do not reply. Replying confirms your phone number is active, which guarantees more texts.
Block numbers on your phone. Scammers often send texts using different names and numbers, but blocking annoying or spammy texts can slow them down.
Do not click links in a text. Clicking suspicious links in an unsolicited text message may infect your phone or mobile device with malware that copies your stored personal or financial information.
Always use your best judgment and exercise caution before responding to requests for information.
As a result of the events on September 11, 2001, the USA Patriot Act was signed into law.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.