Share the Love This February, Earn Rewards & Win a Dinner and a Movie for Two!
Love is in the air, and so are rewards! This Valentine’s season, SRI Federal Credit Union invites you to share the love with friends, family, coworkers, or a special someone, while earning something sweet in return.
With our Referral Rewards Program, you can earn up to $500 per year simply by introducing the people you care about to the credit union you trust. And in February, we’re making things even more exciting for everyone who opens a new account. Anyone who opens a new account during the month of February and qualifies will be automatically entered to win a Dinner and a Movie for Two. No referral required, just open a qualifying account and you’re in! Winners will be announced at the beginning of March 2026. As an added Valentine’s bonus, the first 20 new accounts opened in February that meet qualification requirements will receive a special gift. (Gifts available while supplies last.) Our referral rewards remain simple and rewarding: New members receive $50 after opening a new Savings and Checking account and setting up direct deposit. Referring members receive $50 for each qualified new member they refer. Referral rewards are capped at $500 per year per referring member. It’s our way of saying thank you for spreading the love and welcoming great people into our credit union family. Share SRI Federal Credit Union with a friend, coworker, or family member who could benefit from membership. When applying, your referral must select “Yes” to “Referred by Another SRI FCU Member” and complete the required referral information on the new member application. To qualify, new members must: Open a new Savings account Open a new Checking account Set up Direct Deposit Once the new member qualifies, both of you receive $50 and the new member is automatically entered for February’s Dinner for Two drawing. Our Core Savings Tier helps you start strong with: We even cover the $5 opening deposit to help you get started. We support your financial goals with: Checking accounts for everyday banking Money Market accounts with tiered earnings Certificates & IRAs for long-term growth Health Savings Accounts (HSAs) Convenient online and mobile banking access Your deposits are federally insured by the National Credit Union Administration (NCUA) for up to $250,000, giving you confidence and peace of mind. Referred members must meet standard membership eligibility requirements. New members must open a Savings and Checking account and establish direct deposit to qualify. Referring members must be in good standing. Referral rewards are capped at $500 per year per referring member. Dinner for Two drawing eligibility applies to all qualifying new accounts opened during February. Special Valentine’s gift is available to the first 20 qualifying new accounts opened in February. This Valentine’s season, share the love, earn rewards, and enjoy a chance to win a night out!
February Bonus — Dinner and a Movie for Two 🍽️
Special Valentine’s Gift for the First 20 New Accounts
Referral Rewards — Earn $50 Each
Easy Steps to Share the Love
Why Members Love SRI Federal Credit Union
Savings Designed for You
A Full Suite of Financial Tools
Safe & Secure Membership
Terms & Conditions
P2P & A2A Fraud: What It Is, How It Happens, and How to Stay Safe
Sending money digitally is fast and convenient. Whether you’re paying a friend back for dinner or transferring money between accounts, tools like person-to-person (P2P) payments and account-to-account (A2A) transfers make life easier. Unfortunately, scammers know this, and they’re taking advantage. At SRI Federal Credit Union, we want to help you understand how these scams work and what you can do to protect yourself. P2P fraud happens when someone tricks you into sending them money directly. Because these payments are quick and usually final, it can be hard to get funds back once they’re sent. Common P2P scams include: Someone pretending to be a friend or family member asking for money urgently Fake sellers or rentals that disappear after payment “Accidental payment” scams, where someone asks you to send money back Fake tech or banking support asking you to “verify” your account with a payment If the request feels rushed or unusual, that’s a big red flag. A2A fraud involves unauthorized transfers between bank accounts. These scams often start with stolen login information or convincing messages that look legitimate. Common A2A scams include: Phishing emails or texts that steal your online banking login Fake invoices or payment requests Scammers posing as employers, vendors, or financial institutions Account takeovers after credentials are compromised Most scams rely on pressure and emotion. Fraudsters often: Create urgency (“Act now!”) Pretend to be someone you trust Use fear or authority to rush you into action Taking a moment to pause and double-check can stop a scam in its tracks. Quick safety tips: Only send money to people you know and trust Never share passwords or one-time passcodes Be cautious with urgent payment requests Double-check unexpected messages, even if they look familiar Review your account activity regularly Act fast: Contact SRI Federal Credit Union right away Stop any pending transactions if possible Change your passwords Report the scam so we can help protect others Scammers are always changing tactics, but staying informed makes a big difference. If something feels off, trust your instincts and reach out. We’re here to help keep your money safe.
What Is P2P Fraud?
What Is A2A Fraud?
Why Scammers Are Successful
How You Can Protect Yourself
Think You’ve Been Targeted?
We’ve Got Your Back
Honoring Dr. Martin Luther King Jr.: Economic Justice, Financial Empowerment, and the Credit Union Mission
As we honor the legacy of Martin Luther King Jr. this year, we’re reminded that his vision for equality went far beyond civil rights alone. Dr. King believed true justice required economic opportunity, dignity in work, and fair access to resources, values that continue to guide the credit union movement and the work we do every day at SRI Federal Credit Union. In the final years of his life, Dr. King spoke openly about the deep connection between civil rights and economic security. Through initiatives like the Poor People’s Campaign, he called attention to systemic inequality in wages, housing, and access to financial opportunity. His message was clear: lasting equality is impossible without economic empowerment. That belief closely mirrors the foundation of credit unions. Built on the principle of people helping people, credit unions exist to serve, not to profit, and to ensure members have fair, affordable access to financial services that support long-term stability. Over the past year, SRI Federal Credit Union has continued to translate these values into action in meaningful ways: Stronger Member Protections: We implemented California’s new Trusted Contact Authorization protections ahead of the statewide requirement, adding safeguards for members age 65 and older and reinforcing our commitment to protecting vulnerable populations. Expanded Digital Access: With the launch of our enhanced online and mobile banking platform, members now have easier, more secure access to tools that help them manage their finances anytime, anywhere. Fraud Awareness & Education: As digital payments continue to grow, we’ve increased education around P2P and account-to-account fraud, empowering members with knowledge to protect their financial well-being. Support During Uncertainty: During periods of economic and governmental disruption, including recent federal shutdown concerns, we stepped up with timely communication and assistance programs designed to support members when they need it most. Ongoing Community Outreach: From financial education to community engagement, we continue building relationships rooted in trust, service, and shared success. Each of these efforts reflects Dr. King’s belief that systems should uplift people, not create barriers. Honoring Dr. King’s legacy isn’t just about reflection; it’s about progress. Financial empowerment often starts with small but meaningful steps: building an emergency fund, reducing debt, improving credit, or planning for the future. When individuals gain stability, families grow stronger, and communities thrive. At SRI Federal Credit Union, we’re committed to being a partner in that journey, offering guidance, fair products, and personalized service designed around our members’ real lives. Dr. King once said, “An individual has not started living until he can rise above the narrow confines of his individualistic concerns to the broader concerns of all humanity.”Dr. King’s Enduring Vision for Economic Justice
Carrying the Legacy Forward and What’s New This Year
Empowering Members Through Action
Moving Forward Together
New California Law Helps Protect Seniors from Financial Scams
Beginning January 1, 2026, California’s new law (SB 278) strengthens protections for seniors against financial scams and exploitation. At SRI Federal Credit Union, we believe in protecting our members, which is why we are implementing these protections ahead of the official effective date. This law, championed by Bill Dodd, is designed to help prevent elder financial abuse by creating an extra layer of security and support. What Is SB 278? SB 278 requires financial institutions to maintain an Emergency Financial Contact Program for members ages 65 and older. This allows members to name a trusted contact who we can notify if suspected abuse or unusual activity occurs during employee-assisted transactions. At SRI Federal Credit Union, we are adopting these protections early to help keep our senior members safer, sooner. How Our Early Program Works To make enrollment easy, we will include a Trusted Contact Authorization Form inside the 2025 year-end account statements. With this form, members can: If you would like to complete the form before receiving your year-end statement, simply contact us, and we will be happy to send it to you. Key Protections You Can Expect As part of this program, we may: These protections mainly apply to employee-assisted transactions, such as teller withdrawals and in-branch transfers. What This Means for Seniors If you are 65 or older, you may notice: These safeguards are designed to protect you, not to slow down legitimate access to your funds. Our Commitment to You At SRI Federal Credit Union, your safety comes first. Implementing these protections early reflects our commitment to helping prevent fraud and protect the financial well-being of our members. If you have questions or would like a Trusted Contact Authorization Form sent to you before your statement arrives, please contact us.
How SRI Federal Credit Union Supported Members During the Government Shutdown
At SRI Federal Credit Union, our mission has always been clear: stand by our members, especially when uncertainty strikes. When the possibility of a government shutdown first emerged, we knew many federal employees could face sudden financial strain. To ensure our members wouldn’t face that challenge alone, we acted early, designing and launching our Government Shutdown Assistance Loan Program before the shutdown even began. This proactive effort allowed us to respond immediately, giving members timely support when they needed it most. Understanding the potential hardships ahead, SRIFCU created the Government Shutdown Assistance Loan to provide short-term relief and help members bridge the financial gap during missed pay cycles. The loan offered: Loan limits based on net pay, up to $10,000 An 18-month term A competitive rate of just 4.99% APR* ZERO interest for members who pay off their loan within 60 days of their return-to-work date Eligibility for government employees who are current SRIFCU members This structure ensured flexibility, affordability, and fast access to funds, without creating long-term financial burden. The success of the program exceeded expectations, reflecting both the strong need and the trust our members place in their credit union. During the shutdown period: $436,595 in total loan balances were funded Many loans have already been fully repaid, highlighting responsible borrowing and the effectiveness of the loan design Members repeatedly shared that the loan “saved them”, providing essential relief when paychecks were paused, and expenses continued. From covering rent and groceries to maintaining daily stability, this program helped make a difficult time manageable. Our lending team’s quick response, compassionate approach, and efficient processing were praised consistently. Members expressed deep appreciation for the speed at which they were supported and the reassurance of knowing their credit union had prepared for them in advance. Beyond direct financial assistance, SRIFCU also strengthened relationships with the federal employee community. As part of our ongoing outreach initiatives, Paco presented at an AFEU (Ames Federal Employees Union) meeting, highlighting: The benefits of credit union membership SRIFCU products and services designed specifically for members to save money The Government Shutdown Assistance Loan Program and its successful impact The presentation received exceptional feedback, and Paco was invited to return for future opportunities, further deepening our connection with AFEU members and expanding awareness of the resources available to them. Although the shutdown has ended, our dedication to supporting members during every season of life continues. Whether through emergency assistance programs, competitive lending solutions, or personalized financial guidance, SRI Federal Credit Union will always prioritize the financial well-being of our members. Thank you to every member who trusted us through this challenging period. We are honored to serve you and proud of the resilience shown across our community.
A Program Built Before the Crisis Hit
Measurable Impact During the Shutdown
Expanding Support Through Community Engagement
Our Commitment Remains Strong
❄️ Seasons Greetings From all of us at SRI Federal Credit Union
The holiday season is here, and at SRI Federal Credit Union, this time of year reminds us how grateful we are for our incredible members. Whether you’re preparing for family gatherings, traveling, or simply enjoying some well-earned rest, we’re here to make your holiday banking as smooth and cheerful as possible. Beginning next Monday, we’re spreading a little extra holiday cheer in-branch. Stop by and enjoy complimentary hot chocolate and cookies while you take care of your banking. It’s our small way of saying thank you for being part of our community. Come warm up, recharge, and leave with a smile. We’d love to see you. Please take note of our updated holiday hours: Wednesday, December 24 – Thursday, January 1, 2026 – Closed for the winter holidays We encourage members to plan ahead for any in-branch services they may need. Online banking, mobile banking, and ATMs remain available 24/7 throughout the holiday period. Even during the SRI International campus holiday closure period, our staff remains committed to supporting you. Several convenient options are available: Limited telephone & email support eDeposit – fast & easy remote deposits Mobile & Online Banking, with Bill Payer available 24/7/365 Emergency branch access by appointment only during the SRI International December shutdown To request an emergency appointment, please use the Contact Us form on our Holiday Hours page linked HERE: Need a little extra help making the season bright? Our Holiday Loan Special offers up to $2,500, a 12-month term, and a competitive 6.99% APR, a simple, affordable way to cover gifts, travel, or unexpected expenses without added stress. Click HERE to apply. To help ease financial pressure during the holidays, members in good standing may skip one loan payment every six months on most loans. It’s a flexible option designed to give you breathing room when you need it most. Click HERE to apply. From all of us at SRI Federal Credit Union, we wish you a joyful, peaceful, and safe holiday season. Thank you for being part of our family!Hot Chocolate & Cookies Starting Next Monday!
🎄 Winter Holiday Schedule
🛠️ The Credit Union Staff Is Available to Assist You
💸 Holiday Loan Special
🔁 Skip-A-Payment Program
Exclusions: 1st Mortgages and Home Equity Lines of Credit.
Amazon Issues Urgent Alert: 300 Million Customers at Risk Amid Holiday Cyberattacks
As the 2025 holiday shopping season hits full stride, Amazon is warning all 300+ million of its customers to stay on high alert. With Black Friday sales stretching longer each year, cybercriminals are exploiting the shopping surge, and new data shows their tactics are more aggressive and convincing than ever.
Why Amazon Is Sounding the Alarm
In a November 24 email sent to users, Amazon warned that scammers are increasingly impersonating the company to steal sensitive personal and financial information. These attacks aren’t new, but they’re evolving fast, especially with artificial intelligence making fake messages, spoofed websites, and fraudulent alerts look more realistic.
According to Amazon, attackers are reaching out using:
- Fake delivery or “account issue” notifications
- Social media ads for unreal “too-good-to-be-true” deals
- Messages from unofficial channels asking for login or payment info
- Suspicious or unfamiliar links
- Unsolicited tech support phone calls
Amazon stresses that customers should treat any unexpected message requesting credentials or payment information with extreme caution.
New Report Confirms Rising Holiday-Themed Scams
A fresh FortiGuard Labs report backs up Amazon’s warning. The findings reveal:
- 18,000+ holiday-themed domains registered in the last three months
- 750 confirmed malicious
- 19,000+ domains impersonating major brands, including Amazon
- 2,900 malicious brand lookalike domains
Cybercriminals are crafting domains with slight variations, easy to miss during the rush of holiday shopping. Experts warn that AI is accelerating the sophistication of these scams, making fake order confirmations, spoofed retailer websites, and forged customer service interactions more convincing than ever.
The FBI Confirms Massive Financial Damage
In a new public service announcement on November 25, the FBI warned that brand impersonation attacks are fueling a surge in account takeovers. Since January 2025, thousands of victims have reported losses totaling more than $262 million.
These scams often involve:
- Phone, text, email, or instant message contact from someone pretending to be customer support
- Claims of “fraudulent activity”
- A link to a realistic but fake website
- Victims entering their login, MFA code, or one-time passcode
- The attacker using those credentials to reset the password and take over the account entirely
Although the FBI’s alert focuses on financial institutions, the tactics apply to all major brands, including Amazon.
How Amazon Says You Can Protect Yourself
Amazon is urging customers to take the following steps to protect their accounts year-round:
1. Use Only Official Amazon Channels
Rely exclusively on the Amazon app or amazon.com for customer service, order tracking, refunds, and account updates.
2. Enable Two-Factor Authentication (2FA)
2FA adds a crucial layer of protection against unauthorized access.
3. Use Passkeys
Passkeys let you sign in using biometrics (face, fingerprint) or your device PIN, a safer alternative to passwords.
4. Remember What Amazon Will Never Do
Amazon will never:
- Ask for payment over the phone
- Request payment information via email
- Ask you to verify account credentials through links or messages
If you receive messages asking for any of those, assume it’s fraudulent.
Stay Vigilant This Holiday Season
With AI-powered scams accelerating and brand impersonation attacks spiking, Amazon’s warning is timely and necessary. Whether you’re shopping for holiday deals or simply checking order updates, a moment of caution could save you from a costly scam.
Stay safe and always confirm before you click.
Beware of Bitcoin ATM Scams: What You Need to Know to Stay Safe
As technology evolves, so do the ways scammers try to take advantage of unsuspecting victims. One of the latest tactics involves Bitcoin ATMs—machines that let users buy cryptocurrency using cash or debit cards. While legitimate Bitcoin ATMs exist, scammers have found ways to exploit them to steal money from innocent people. At SRI Federal Credit Union, protecting our members from fraud is a top priority. Here’s what you need to know about these scams and how to stay safe. How the Scam Works Common Red Flags Be alert for these warning signs: How to Protect Yourself We’re Here to Help If you ever feel uncertain about a payment request or believe you’ve been targeted by a scam, contact SRI Federal Credit Union right away. Our team can help you verify the situation and take steps to protect your accounts. Fraudsters are getting more creative, but together, we can stay one step ahead. Stay informed. Stay cautious. Stay protected.
At SRI Federal Credit Union, your safety and peace of mind always come first.
Tap Cards Are Here at SRI Federal Credit Union!
Updated 02/01/2026
Big things are happening at SRI Federal Credit Union! We’re excited to announce that Tap Cards, also known as contactless payment cards, are now available for all SRIFCU Visa® Credit and Debit Cards. This means every member can now enjoy a faster, easier, and more secure checkout experience with just a simple tap. Tap Cards are a modern, more convenient way to pay. With just a quick tap on the payment terminal, you can complete purchases in seconds without swiping, inserting, or entering a PIN for most small transactions. Here’s what you can look forward to: ✅ Fast and Convenient – Tap and go at checkout counters, transit stations, vending machines, and many other places. 💳 Look for this symbol wherever you shop! Whether you’re grabbing a cup of coffee, picking up groceries, or boarding public transit, Tap Cards make everyday purchases quick and safe. If you already have an SRIFCU Visa Credit or Debit Card, your current card will automatically be replaced with a Tap Card when it expires. However, if you’d like to start tapping now, you can call us and request a Tap Card today! Tap Cards are also now available for instant issue at our branch! Tap into the future of payments with your new SRIFCU Tap Card!Why Tap Cards?
✅ Safe and Secure – Each transaction uses a unique, one-time code that helps protect you from fraud.
✅ Widely Accepted – You can use your Tap Card anywhere you see the contactless symbol:
How to Get Your Tap Card
A New Online Banking Experience Is Coming to SRI Federal Credit Union
We’re thrilled to announce that SRI Federal Credit Union is launching a brand-new Online and Mobile Banking platform on Monday, October 27th!
This upgrade is part of our continued effort to bring you a faster, more secure, and easier-to-use digital banking experience. Here’s what you need to know as we make the transition: Key Dates to Keep in Mind Tuesday, October 21, 2025 (9:00 AM PST): Friday, October 24, 2025 (3:00 PM PST): Monday, October 27, 2025 (8:00 AM PST): What You Can Expect The new platform offers: We understand there may be brief interruptions during the transition, and we appreciate your patience as we complete this important upgrade. If you have any questions or need assistance during this time, please contact us at (650) 800-5434 or visit www.SRIFCU.org. We’re excited for you to experience the new and improved SRI Federal Credit Union Online Banking platform, built to serve you better every day.