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J A N U A R Y 2 0 2 0

NEW YEAR, NEW CAR!

Finance a new or used vehicle or refinance your existing auto loan from another financial institution with Insight and receive a $250 Cash Bonus*!

Limited time only. Stop into any of our conveniently located Central Florida locations and speak to a Representative, or call 407.426.6000 or toll-free 888.843.8328 to drive away with more from your auto loan today!

*Members can receive a $250 Cash Bonus when they finance a new or used vehicle with Insight Credit Union; or refinance an existing auto loan from another financial institution with Insight Credit Union. Membership restrictions apply. Must be a minimum auto loan amount of $20,000. Direct auto loans only. Indirect or dealership loans are not eligible for this promotion. Existing Insight Credit Union auto loans are not eligible for refinance or the $250 Cash Bonus. No other discounts may apply. If the loan is paid in full within six (6) months of the contract date, member will be required to repay the $250 Cash Bonus. Loan application subject to a $35 Loan Application Fee. Approved refinance loans subject to Lien Recording fee. Other fees may apply. Loan subject to normal underwriting guidelines. Actual interest rate will be customized based on credit characteristics. Interest accrues from the date of contract. Offer valid January 2, 2020 through March 31, 2020, and may be withdrawn at any time. Other restrictions may apply. Federally insured by NCUA.

at aglance

Are you in need of a little extra cash? The Any Season Any Reason loan from Insight is here to help! Use the funds for whatever you need, whenever you need it the most. Receive up to $8,000

at 10% APR for up to 48 months***.

***Receive up to $8,000 at 10.0% APR for up to 48 months with payments of $25.36 per each $1,000 borrowed. Minimum credit score of 650 required. Maximum Debt Ratio of 50%. Approval based on creditworthiness and underwriting factors. Proof of income is required at the time of loan funding. This promotional rate is available for a limited time and cannot be used to pay existing Insight Credit Union loans. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice. This offer cannot be combined with any other offers. Not all applicants will qualify for the lowest rate. Standard Insight Credit Union personal loan rates apply for borrowers that do not meet promotion qualifications. Minimum loan amount $2,500.00. Interest accrues

from the date of contract. Other restrictions may apply.

any season any reason

BRANCHES CLOSED

Monday, January 20, 2020in Observance of

Martin Luther King, Jr. Day

Monday, February 17, 2020in Observance of Presidents’ Day

STAY CONNECTED!

BEWARE OF TAX SCAMSEach year, the IRS publishes the “Dirty Dozen,” a list of 12 scams that are rampant during that year’s tax season.

This year, the IRS is cautioning taxpayers to be extra vigilant because of an increase in email phishing scams. A tax-related email phishing scam will typically appear to be from the IRS. Once the victim has opened the email, the scammer will try to get at their personal and financial information. They will use this information to steal the victim’s identity, empty their accounts or file taxes in the victim’s name and keep the refund.

The most popular tax-related phishing scams include the following:

1. Tax transcript scams. Victims are conned into opening emails appearing to be from the IRS with important information about their taxes. These emails actually contain malware.

2. Threatening emails. These phony emails appear to be from the IRS, demanding immediate payment for unpaid back taxes. When the victim clicks on the embedded link, their device will be infected with malware.

3. Refund rebound. A crook posing as an IRS agent will email a taxpayer, claiming they’ve been awarded too large a refund. The scammer will demand the return of the “extra” money via prepaid debit card or wire transfer.

4. Phony phone call. A caller spoofs the IRS’s toll-free number and calls a victim, claiming they owe thousands of dollars in taxes that must be paid immediately under threat of arrest or deportation.

If you’re targeted

If your Caller ID announces the IRS is on the phone, don’t pick up! Simply answering can be enough to mark you as an easy target for future scams. Similarly, suspicious-looking emails about tax information should not be opened. Mark any bogus tax-related emails as spam.

Forward suspicious tax-related emails to phishing@irs.gov and alert the Federal Trade Commission at FTC.gov.

Protect yourself against tax scams with these steps:

• File early in the season.• Use the strongest security settings for your computer.• Use unique, strong passwords for your accounts.• Choose two-step authentication whenever possible.

Remember, the IRS will never

• Call about taxes owed without having first sent you a bill via snail mail.• Call to demand immediate payment.• Threaten to have you arrested for unpaid taxes.• Require you to use a specific payment method.

Be alert and be careful this tax season and those scammers won’t stand a chance!

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memberbenefits