As a credit union committed to the security and privacy of our members, we want to keep you informed about this incident and provide you with actionable steps to protect yourself from potential fraud and account takeovers.

Understanding the Breach

The breach at National Public Data exposed a significant amount of personal information. While this breach did not directly involve our credit union’s systems, the compromised data could still affect our members if their personal details were included. Currently, available information suggests that this breach involved personal information—such as names, addresses, contact information, and potentially Social Security numbers—not credit or debit card information. At this time, we do not believe card data was compromised in this event.

How This Could Affect You

Even though credit and debit card information was not compromised, the exposure of personal data still poses a risk. Cybercriminals may use this information to engage in identity theft, phishing scams, or account takeovers. They could impersonate you, gain unauthorized access to your accounts, or create new accounts in your name.

Steps to Protect Yourself

1. Monitor Your Accounts Regularly:
   • Keep a close eye on your credit union accounts and any other financial accounts you may have. Look for any unfamiliar transactions or changes. If you notice anything suspicious, report it to us immediately.
2. Enable Two-Factor Authentication (2FA):
   • Wherever possible, enable 2FA on your accounts. This extra layer of security requires you to verify your identity through a second method, such as a text message or an authentication app, making it harder for unauthorized users to access your accounts.
3. Update Your Passwords:
   • Change your passwords, especially for any accounts associated with the email address or phone number potentially exposed in the breach. Use complex passwords that combine letters, numbers, and symbols, and avoid reusing passwords across different accounts.
4. Be Wary of Phishing Attempts:
   • Be cautious of emails, texts, or calls that ask for personal information or prompt you to click on links. Fraudsters often use this information to trick you into giving away your credentials. Always verify the sender’s identity before responding.
5. Check Your Credit Reports:
   • Regularly review your credit reports for any new accounts or inquiries you don’t recognize. You can obtain free credit reports annually from each of the three major credit bureaus at AnnualCreditReport.com.
6. Place a Fraud Alert or Credit Freeze:

Fraud Alert: A fraud alert is a warning placed on your credit report that tells creditors to take extra steps to verify your identity before issuing credit in your name. This can be particularly helpful if you believe your personal information may have been compromised, as it makes it harder for identity thieves to open new accounts.

How to Place a Fraud Alert:

1. • You can request a fraud alert by contacting any one of the three major credit bureaus (Equifax, Experian, TransUnion). Once you place the alert with one bureau, they are required to notify the other two, so your alert is added to all three of your credit reports.
   • The initial fraud alert lasts for one year and can be renewed if necessary. You can also request an extended fraud alert, which lasts for seven years, if you have a police report or other documentation showing you’ve been a victim of identity theft.

Credit Freeze: A credit freeze (also known as a security freeze) is a more robust protection that locks your credit report, preventing creditors from accessing it entirely. This means that new credit accounts cannot be opened in your name while the freeze is in place. Unlike a fraud alert, a credit freeze does not expire and remains in place until you remove it.

How to Place a Credit Freeze:

1. • To place a credit freeze, you must contact each of the three major credit bureaus individually. Here’s how:
     • Equifax: Visit the Equifax website or call their automated line to request a freeze.
     • Experian: You can place a freeze online through the Experian website or by phone.
     • TransUnion: TransUnion also allows you to freeze your credit via their website or by calling their support number.
   • You will be provided with a PIN or password when you place the freeze. Keep this information secure, as you’ll need it to lift the freeze if you want to apply for credit in the future.
   • It’s important to note that a credit freeze does not affect your existing accounts, nor does it prevent you from using your credit cards. It only stops new creditors from accessing your credit report.
2. Report Suspicious Activity:
   • If you believe your identity has been compromised, report it immediately to the Federal Trade Commission (FTC) at IdentityTheft.gov. Also, contact your financial institutions to notify them of the potential fraud.

Our Commitment to Your Security

At SRI Federal Credit Union, your security is our top priority. We are continuously monitoring our systems and taking proactive measures to protect your accounts. We also encourage you to take these precautions to safeguard your personal information. If you have any questions or concerns, please do not hesitate to reach out to our member services team.

Together, we can protect your financial well-being and maintain the trust you’ve placed in us.