"Building lifetime member relationships as a trusted financial partner."
The Latest Schemes & Scams
Updated 12/08 - Scroll down for updated information
Email Scams: Mellody Hobson of Good Morning America reports that, "Financial institutions
will never ask you for personal information via e-mail. They have it. So, if you receive an e-mail or
get a pop-up ad on your screen asking for your information, ignore it. "
"The key words to be on the look out for are: validate, update or confirm -- these are red flags
that the request may be fraudulent. If you find yourself receiving a number of suspicious messages,
the Federal Trade Commission has set up an "in-box" to investigate." You can report the messages to reportphishing@antiphishing.org. Click here to learn more.
12/30/08 - Scam Emails: Scam emails are being sent to credit union members that appear
to be from their credit union, and read like the one below:
From: ABC Federal Credit Union (email address here)
Subject: Important information
Importance: High
ABC FCU has temporarily suspended your account. We need you to complete an account update
so we can unlock your account. To start the update process, please click on the link provided,
and follow the steps.
Important: The above email is a scam and if you receive one like it, DELETE it.
Do not click on the link or type it into your brower.
For the Record: ICCU's "It'sMe247" online account access website is secure. As always,
log in directly from the ICCU website, or your bookmarked page, to protect your private information.
Safe Web Resources:
Federal Trade Commission: www.ftc.gov
FTC - On Guard On Line: http://onguardonline.gov/index.html
FTC Identity Theft website (below): http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html
Fakechecks.org - As seen on TV! 
This website was created by the National Consumers League (NCL), the nation's
oldest nonprofit consumer organization, as a central source of information and
advice about fake check scams.
NCL created the site in collaboration with the Alliance for Consumer Fraud
Awareness, a coalition of consumer and business organizations, and government
agencies committed to fighting fake check scams.
Phising & Vishing
 Click on the graphic to test your knowledge about "phising scams." This is a safe website.
Vishing = Voice Over Internet Protocol (VoIP). What is it? Where fraudsters use a phone to steal
member's financial information. This scam is called "vishing," short for voice phishing.
Online Version of "Vishing" = The scammer sends a blast e-mail disguised to appear as though it is
from your financial insitution. It may include a trusted logo. The e-mail typically reports a "security
problem" regarding the receipients account, and "urges the member to call a telephone number to
straighten things out." An AUTOMATED attendent prompts the caller to "enter their account number,
password or private information for "security verification" purposes. Don't fall for it, hit delete!
Cold Call = The member's caller ID device may list a legitimate looking local number to inspire trust. A pre-recorded
message (or a live "employee") claims the member's account as been "compromised or needs updating verification."
The member is asked to "enter or say their account information" which is digitally transcribed onto the hard drive of the
scammers computer. Again, don't fall for it. Just hang up.
The Bottom Line = Report VoIP threats to your financial insitution, and to local federal law enforcement agencies.
Your credit union will NEVER call you for detailed account information - we have it! If you are hesitant about a contact
you receive, simply HANG UP or DELETE the message, then contact ICCU directly to confirm or verify the inquiry.
PRIVACY INFORMATION
Isabella Community Credit Union greatly values the privacy of its member-owners and has strict policies
and procedures to protect consumer information from being disclosed to unauthorized parties.
 For your protection, the web site is a secure site using encryption provided by
Verisign. You can feel safe providing your personal information in a secure
environment to complete financial transactions quickly and conveniently.
If you are interested, more detailed information is available below.
If you choose to provide ICCU with personal information such as application
information or e-mail address, ICCU will not provide or sell your personal
information to any third party for independent use. We may however,
share your information if any of the following applies:
- The information is required in order to facilitate a transaction or service initiated or requested by you.
- You make written requestor authorization for the disclosure of information.
- Law requires the disclosure.
ICCU will always strive to maintain the integrity of your personal information, both on the Internet and in
our offices, according to our strict security and confidentiality standards and the law.
Protecting Children's Privacy Online
The Children's Online Privacy Protection Act (COPPA) was passed by Congress in October 1998, with a
requirement that the Federal Trade Commission (FTC) issue and enforce rules concerning children's online
privacy. The primary goal of the Act and the Rule is to place parents in control over what information is
collected from their children online. The Rule was designed to be strong, yet flexible, to protect children
while recognizing the dynamic nature of the Internet. Click here to read the Frequently Asked Questions
about the Children's Online Privacy Protection Rule.
http://www.ftc.gov/infosecurity
What These Privacy Rules Mean to You
ICCU is committed to protecting the privacy of children (and everyone) who visits its site. You probably noticed that we don't ask you for your name, we don't ask you for your e-mail address, and we don't have a chat room where other people can ask you for personal information.
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Isabella Community Credit Union
2100 East Remus Road
P.O. Box 427
Mount Pleasant, Michigan
48804-0427
989.773.5927
Fax: 989.773.6469
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