Scams are on the rise, and scammers are getting more sophisticated.
Whether through phone calls, emails, or fake websites, their goal is the same: to steal your personal or financial information. Knowing what to look for is your best defense.
Common Types of Scams
1. Phishing Emails or Texts
Messages that look like they're from your credit union or a trusted company, asking you to verify your account or click a link.
2. Imposter Scams
Scammers pretend to be from the government, tech support, or even a family member in trouble.
3. Fake Sweepstakes or Prizes
You’re told you’ve won money or a prize, but you must send payment or personal info first.
4. Loan or Debt Relief Scams
Offers to eliminate debt or provide a loan with "guaranteed approval," often with upfront fees.
Red Flags to Watch For
- Pressure to act quickly
- Requests for personal or financial info
- Asking for payment by gift card, wire transfer, or cryptocurrency
- Misspelled emails or strange URLs
How to Protect Yourself
- Pause and verify: Don’t act immediately. Call your credit union directly using the number on their official website.
- Never share personal info: Especially PINs, account numbers, or passwords.
- Update your passwords regularly and use two, factor authentication when possible.
- Check URLs carefully before clicking links.
- Report suspicious activity to your credit union and the Federal Trade Commission.
Scammers count on people acting quickly and emotionally. By staying alert, verifying requests, and learning the signs, you can help protect yourself, and your community, from fraud.