Watch Out: 7 Scams Targeting Credit Union Members
Scammers are always coming up with new ways to trick people. At STPFCU, we want you to stay one step ahead. Many of these scams look real and can happen through phone calls, texts, emails, or social media. Below are some of the most common scams we are seeing right now, how to spot them, and what to do if you think you have been targeted.
1. Imposter or Government Scams
These scammers pretend to be from the IRS, Social Security, your utility company, or even the credit union. They may say you owe money, are under investigation, or need to act quickly to avoid a penalty. The goal is to scare you into paying or sharing personal information. Remember, real organizations will never pressure you to make payments right away or demand personal information over the phone.
2. Gift Card Payment Scams
In this scam, someone asks you to pay with gift cards for a fee, prize, or fine. They might ask for the numbers or photos of the cards. Once they have that information, your money is gone. No legitimate business or agency will ever ask for payment through a gift card.
3. Delivery or Package Text Scams
You might get a text that says there is a problem with a package delivery and it includes a link to fix it. The link leads to a fake website that steals your personal or financial information. Always go directly to the official website of the delivery service or use their app to check your tracking number.
4. Zelle or Payment App Scams
Scammers often convince people to send money through Zelle or similar apps for items they never plan to deliver. Once the money is sent, it is nearly impossible to get it back. Only use payment apps to send money to people you know and trust.
5. Fake Job Offers and Overpayment Scams
Someone may offer you a job and ask you to deposit a check or accept a “test payment,” then send part of the money somewhere else. The check later bounces, and you are responsible for the loss. Never deposit checks for someone you do not know or send money to strangers.
6. Tax and Social Media Scams
Fake tax tips or “quick refund” offers on social media can lead to stolen identities or tax fraud. Always get your information from the IRS website or a licensed tax professional.
7. Phishing and Email Scams
Phishing emails often look like they come from trusted companies or even your financial institution. They might use your name and official logos to appear real. These emails usually ask you to click a link, download an attachment, or confirm your login details. Always double-check the sender’s address and contact the company directly if something seems off.
Red Flags to Watch For
• Someone pressures you to act immediately
• You are asked to pay with gift cards or wire transfers
• You are told to share passwords, codes, or full account numbers
• The message contains unexpected attachments or suspicious links
• The offer sounds too good to be true
What To Do If You Think You’ve Been Targeted
Stop communicating with the scammer right away
Do not send any more money or share information
Call us immediately at 225-775-8597 or email memberservice@stpfcu.com
so we can help secure your account and guide you on next steps
If you paid with a gift card, contact the card company immediately
Report scams to the FTC at reportfraud.ftc.gov or, for tax scams, to the IRS
How We Protect You
We use strong fraud monitoring systems to help detect unusual activity, but your awareness is the best protection. Set up account alerts, use strong passwords, and turn on two-factor authentication whenever possible. If you ever receive a call, text, or email about your account that seems suspicious, contact us directly before taking any action