Closed in Observance of Independence Day

ISU Credit Union will be closed Friday, July 3 and Saturday, July 4th, 2020. Online Banking, Smart Phone Apps, Mobile Banking, PAT and ATM access will be available.

Security Center

meet BUC - being unprotectec costs

Welcome to our Security Center! 

At ISU Credit Union, we value the security and privacy of your personal information. 

Our security center provides you with information to help you avoid identity theft and fraud. We urge you to become familiar with the information provided in the links below to better protect yourself against fraud and identity theft. We will update this section frequently, so be sure to visit this site often.


EMV / Chip Card Tutorial Video  


EMV Enables The Next Generation of Payments

EMV chip card image, secure chip stores payment information, chips card authentication prevents counterfeiting, Adds cardholder verification menthods, offers online or offline authorization

About EMV Chip-Enhanced Cards

  • What's the Difference Between Chip & Signature & Chip & PIN?

    Chip & PIN is a very similar technology, except that you use a PIN to complete a purchase instead of a signature. Both chip & PIN and chip & signature offer enhanced security against counterfeiting compared to the traditional magnetic stripe-only Cards.

  • When My New EMV Card is Activated is there Any Action I Need to Take?

    You may need to update your card information where it is stored for recurring payments, such as online bills and subscriptions. Please update your recurring payment information to ensure that you do not miss a payment.

  • How Do I Use My EMV Card?

    When you come across a chip-specific merchant terminal, simply insert your EMV card into the slot in the terminal and follow the prompts on the screen. You may still need to sign to authorize the transaction, and as usual you will receive a confirmation receipt.

    If the Merchant terminal does not accept chip cards, you or the merchant can still swipe the EMV card in exactly the same way as you do today. You can always follow the prompts on the merchant terminal if you aren’t sure whether you should swipe or insert your Card.

  • Are Chip & Signature, EMV and Smart Chip Different?

    Other issuers and companies may refer to chip cards differently, but all of these are different names for the same technology

  • How Do EMV Payments Work?

    The transaction flow with EMV payments is much the same but - with the addition of dynamic authentication and the chip technology - makes EMV transactions more secure:

    • Card authentication takes place either online by using dynamic encryption or offline by protecting against counterfeit cards.
    • Cardholder verification helps ensure that the person making the payment actually owns the card to protect against lost and stolen cards.
    • Transaction authorization is completed either online with encryption technology or offline by using issuer-determined risk parameters.
  • What Are The Security Benefits of the EMV Chip-Enhanced Cards?

    EMV cards come with advanced security due to the chip technology that makes it difficult for a fraudster to counterfeit. These additional features help protect you when used at participating retailers.

  • Why Has ISUCU Switched to EMV Chip-Enhanced Cards?

    We are moving quickly and aggressively to bring the next generation of secure banking to our members. New rules mandate all financial institutions in the US have this new EMV system in place by December 2015. 

    There is still time to implement the system but we chose to act now because so many merchant security breaches over the past two years have affected our members. Account security is our number one concern. 

    Thanks for working with us through these enhancements..

  • What is an EMV Chip-Enhanced Card?

    EMV, which stands for Europay, MasterCard and Visa, is a global standard for credit and debit payment cards using embedded microchips. ISU Credit Union's EMV credit and debit cards have an embedded microchip that provides enhanced security features and added protection at payment terminals locally and abroad.

How do I use my chip card at a chip-enabled terminal?

EMV - How To

ID Theft Protection

Fraud Defender

We’ve partnered with a national identity theft protection service called Fraud Defender to help provide aggressive safeguards for our valued members. Our new streamlined checking accounts will come with both financial rewards as before and peace of mind by being part of an identity protection system. 


ISU Credit Union takes the safety and security of your accounts very seriously, and we take extensive safeguards to protect your information and your funds. We urge you to click on the links below and read about what you can do to further protect yourself against fraud and identify theft.

  • Fraud Defender - your one-stop stop for anything related to ID Theft and Fraud 
  • Credit Reports – Annual Credit Report - A service created by the three major credit reporting companies – Equifax, Experian and TransUnion – to provide you with a free copy of your credit report each year as required by law. 1-877-322-8228
  • Federal Trade Commission
    Federal agency established for consumer protection. 1-877-ID-THEFT / 1-877-438-4338
  • Internet Crimes Complaint Center
    A joint venture between the F.B.I., the National White Collar Crime Center and the Bureau of Justice Assistance. Internet and email crimes can be reported here.
  • Federal Bureau of Investigation
    All things F.B.I. with daily updates with alerts, crimes committed and crimes solved.