Freestone Credit Union


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government




National Credit Union Administration, a U.S. Government Agency

Freestone Credit Union’s Web site is connected to third party websites.  The links are for informational purposes only and not an endorsement of those products or services.  Third party websites accessed by links are not part of the credit union or its website.  Be sure you know your privacy rights when offering information to those sites.


ID Theft Brochure


For your safety, also Check the FBI website often:


Internet Crime Complaint Center's (IC3)
Scam Alerts


Be sure to check the Federal Trade Commission’s website to keep up on current scams:


Scams, Fraud, and Identity Theft are alive and well here in our area.  Freestone Credit Union has seen the “Mystery Shopper” Scam, “Multi Millions”, and “Sweepstakes”  locally, as well as other telephone, e-mail, snail mail, and internet fraud.  Our members have been affected several times.  Please bring in any  mail or email that you might receive as an offer you have not applied for.  Let us examine envelopes and the contents to see if you have received a fraudulent offer.  Many are receiving checks in the mail, told to deposit them and then wire, or Western Union part of the money back.  These checks are coming back as counterfeit after the funds have been sent to the fraudster.   They have been personal checks, Cashier Checks, Postal Money Orders, a variety of forms, all either stolen or counterfeit.  Once you fall for these scams, you have lost your money and are responsible for the returned funds.   Do not call the phone numbers on a letter or e-mail, as most of those are the fraudsters.


Do not give out any account information over the telephone or internet unless you have done business with the company and know that they are legitimate.   If you use your debit card for these transactions, you have given your authorization and the transaction cannot be stopped after you hang up.   If you sign up for recurring payments using your debit card, and you wish to stop it, you must stop it with the company and if they do not,  you will have to cancel your card to discontinue the payment.   If you are unsure about a caller, hang up.  Do not call a number that they might give you, but use a known number for that company. 


Please be cautious with your account and your identity.   All the new technology today  is great and should be used, we just have to be aware of the dangers of those who seek to harm us.  Should you have any issues with your account, please feel free to come to the office.  Our staff is knowledgeable  and happy to assist you. 



Five Scams to Watch For                                        

The coming year won't herald the end of the world nor will it be the end of scams and rip-offs, reports the American Association of Retired Persons (AARP).  To help you know what to watch out for, consumer advocate Ron Burley has compiled a hit list of the five most malevolent scams consumers are likely to encounter in 2014.

1. The Nigerian Letter: While this advance-fee scam is an oldie-but-goody, new variations are making it much more effective in trapping the vulnerable and unwary. 

What should consumers do: Do not respond. Delete email. Toss paper mail.


2. Exploitation by Education: Unemployment woes and job anxiety cause some folks to consider retraining for new careers.  Scammers entice the education-seeking unemployed with promises to get rich quick with their secret plan, win a high-paying job with their streamlined schooling, or pass a test for a chance at a swank government gig. 

What you should do: Avoid same-day decisions. Any career or education decision deserves at least a day's consideration: research, get referrals and reconsider.


3. Devilish Diagnoses: Most of us know to be wary of an auto mechanic discovering a previously undetected, but expensive, car repair. We can see he's got personal interest in pointing-out the pricey problem. That same conflict of interest now is appearing more often in other industries. From the hearing specialist who also hawks hearing aids to the financial planner pitching her own brand of mutual funds, consumers are being taken advantage of by exploiters who prey upon their trust. 

What you should do: Separate the diagnosis from the product or service deliverer. While it may take more time, the money saved may be worth many times the delay.


4. Facebook Unfriendlies: Social networking on Facebook, LinkedIn and similar websites is redefining how families and friend stay connected. However, the same walled-off environment of filtered contacts that we've been trained to trust has also led us to let our guard down.  Scammers launch topical pages in order to trawl for like-minded social network users. Once "friended," they link the unwary out of the safe environment to an external site where they can be attacked by a virus or pitched scam offers.

What you should do: Do not respond to or "friend" any person or organization that you do not know of from outside of the social network. 


5. Outrageous Requests: Phishing is what security professionals call attempts to trick computer users into providing personal or financial information. Phishers have jumped off the net and onto the phone lines and cell towers with ruses designed to separate you from your hard-earned dollars. Armed with your name, address and phone number, they call you with requests to "verify" other personal information such as social security number and credit card information.

What you should do: Give no information. Do not engage in conversation. Tell them any further contact will be reported to police and/or the FBI.


Think you’re savvy enough to spot a scam?  Take the short “Scam or Real” quiz on AARP’s web site.