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Hello World!

We are #1 in California!

#1 in California and #5 in the nation!

Credit unions are known for delivering exceptional value to their members through competitive products, personalized services, and meaningful community engagement. Measuring that value, however, is a complex challenge. Over 20 years ago, Callahan & Associates developed the Return of the Member (ROM) calculation to provide a comprehensive assessment of member value. ROM evaluates three core credit union functions:

2024 Holiday Loan!

Ease Holiday Stress with an SRIFCU Personal Loan at a Special Rate

The holiday season is a time for joy, celebration, and making memories with loved ones, but it can also bring financial challenges. Whether you’re planning festive gatherings, shopping for gifts, or traveling to visit family, those extra expenses can quickly add up. To help make this season as stress-free as possible, SRIFCU is offering a Special Holiday Rate Personal Loan at 8.99% APR, fixed.

Get Ready for the Holidays with Smart Savings!

Get Ready for the Holidays with Smart Savings!

As the holiday season approaches, it’s easy to get wrapped up in the festivities, from gift-giving to family gatherings and travel plans. While it’s a time to celebrate, these activities can quickly add up and put a strain on your wallet. At SRI Federal Credit Union, we’re here to help you prepare for a joyful, stress-free holiday season by planning and making the most of your budget. Here are some practical tips to keep your finances in check, so you can enjoy all the magic of the holidays without the financial hangover.

happy Halloween

Stay Spooky and Secure: Halloween Safety Tips to Protect Your Finances

Halloween is all about fun, costumes, and sweets, but it’s also an opportune time for fraudsters who capitalize on the season’s chaos. At SRIFCU, we want you to enjoy all the Halloween festivities with peace of mind. Here are some key tips to keep you and your finances safe from the tricks you didn’t sign up for:

1. Beware of Phishing Tricks

During Halloween, you might notice an increase in promotional emails and pop-up deals for costumes, treats, and haunted attractions. Be cautious of “too good to be true” offers, which could be phishing attempts designed to collect your personal or financial information. Look out for emails with poor grammar, misspelled URLs, or suspicious attachments. As a rule of thumb, never click on unsolicited links or enter your login details on websites unless you’re certain they’re legitimate.

Pro Tip: When in doubt, go directly to a retailer’s official website instead of clicking on email links. For added safety, SRIFCU provides fraud monitoring on all credit and debit cards. Contact us if you notice anything suspicious.

2. Watch Out for Skimmers at Haunted and Pop-Up Locations

The Halloween season brings with it many pop-up stores and temporary events like haunted houses and pumpkin patches. Be vigilant at these locations, as they can sometimes be targets for card skimming devices. Skimmers capture your card’s data, which can be used later for fraudulent charges.

Pro Tip: If you’re paying at an outdoor or temporary location, consider using a digital wallet or contactless payment, which reduces your exposure to skimmers. Many of our credit union cards support secure contactless payments for this very reason.

3. Secure Your Accounts with Strong Passwords and Alerts

Even though costumes change with each Halloween, one thing shouldn’t: your online security. Make sure your online banking account has a strong, unique password and set up alerts to notify you of any unusual activity.

Pro Tip: At SRIFCU, you can enable real-time alerts that notify you of any suspicious transactions or login attempts. It’s a simple way to stay informed and act quickly if anything looks out of place.

4. Be Wary of Social Media Scams and “Free” Halloween Deals

Social media is buzzing with Halloween-themed quizzes, costume contests, and freebies. However, some of these could be traps to steal personal information. Avoid sharing sensitive information or clicking on unfamiliar links, even if they appear to come from friends or trusted sources.

Pro Tip: If you’re unsure about the legitimacy of a deal or contest, visit the official website of the company offering it. Many reputable organizations post their contests and promotions there as well. Your credit union’s fraud team is also available to answer questions about suspicious activity.

5. Protect Your Kids’ and Family’s Data

If your kids are trick-or-treating or participating in Halloween events, ensure they’re only visiting safe and trusted locations. Additionally, many Halloween apps and games aimed at kids can request excessive permissions or data.

Pro Tip: Monitor what information is being shared through apps and encourage your family to avoid downloading unknown apps without checking reviews and privacy settings. As your credit union, we take your family’s privacy seriously and can offer tips on safe digital habits.

6. Keep Your Credit Card Contact Info Handy

Halloween can be hectic, and losing track of your credit or debit card while out and about can happen to anyone. If you do lose your card, report it immediately to prevent unauthorized use.

Pro Tip: Make a note of your credit union’s card contact information and have it saved on your phone. SRIFCU offers 24/7 support for lost or stolen cards, so you can be confident that we’re here to help when you need it.


This Halloween, let’s all take a little extra care to avoid the scams that can take the fun out of the season. For any questions about account security, fraud protection, or safe online banking tips, contact us at connect@srifcu.org Stay safe, stay spooky, and remember—your credit union is here to keep the financial “tricks” away!

don't get caught up in an overpayment sacm!

All You Need to Know About Overpayment Scams

Great news – you’ve just received a check, and you’ve been overpaid! But there’s a catch: the check writer wants you to send the surplus back to them. Unfortunately, though, if you follow these directions, you’ll be buying right into a scam.

Data Breach

Protecting Our Members After the NationalPublicData.com Breach

In today’s digital landscape, data breaches have become all too common. The most recent incident involves a hacker known as “USDoD,” who allegedly breached the systems of National Public Data, a company that aggregates data to provide background checks. This breach, which is believed to have started in or around April 2024, resulted in the theft of personal records that were later posted for sale and eventually released by other criminal groups onto the dark web.

Back to School!

10 Back-to-School Hacks to Beat Inflation

Back-to-school season is here, and while it’s known as the second-biggest shopping season of the year, it’s shaping up to be more expensive than ever. But don’t worry! You can trim your back-to-school spending and keep your budget intact with some smart strategies.

 

What is a Credit Report?

What is a Credit Report?

Q: I’ve heard that I should be checking my credit report regularly to ensure my ongoing financial wellness. What is a credit report and how do I read mine?

All You Need to Know About One-Time Password Scams

All You Need to Know About One-Time Password Scams

One-time passwords (OTPs) are a crucial security feature in our digital age by offering an extra layer of protection for online transactions and account logins. Unfortunately, though, scammers often try to hijack these codes to steal sensitive information, money, or both.

All You Need to Know About Pig-Butchering Scams Category: Scams: Phishing Scams

All You Need to Know About Pig-Butchering Scams Category: Scams: Phishing Scams

You may have received a text or chat message in recent months about an attractive-looking investment opportunity. The message may have seemed to be sent mistakenly, but it’s all too real. In fact, it’s likely a pig-butchering scam.

Let’s take a look at these prevalent scams and how you can avoid falling victim.

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