In today’s digital world, fraudsters are getting smarter—and unfortunately, more convincing. At University of Kentucky Federal Credit Union, protecting our members’ accounts and personal information is a top priority. One of the most common threats we see is phishing scams—fake texts, emails, or calls designed to trick you into sharing sensitive information.
These scams often look like they come from a trusted source, like your Credit Union, but with a careful eye, you can spot the red flags before it’s too late.
What Does a Phishing Scam Look Like?
Here are a few real-world examples of the kinds of messages fraudsters send:
Example 1 – Fake Text Message
"Alert: Your UKFCU account has been locked. Verify your information immediately at [suspicious link]."
Red Flags to Notice:
🚩 Generic wording (“Your account”) instead of your name.
🚩 A sense of urgency (“immediately”) meant to scare you into clicking.
🚩 A suspicious link that doesn’t match the official credit union’s website.
Example 2 – Fake Email
From: support@ukfcu-alerts.com
Subject: Important Notice Regarding Your Account
"Dear Member, We detected unusual activity on your account. Please click the link below to secure your account."
Red Flags to Notice:
🚩 The sender’s email is slightly off (e.g., “@ukfcu-alerts.com” instead of our official “@ukfcu.org”).
🚩 Generic greeting (“Dear Member”) instead of your actual name.
🚩 Urgent request to click a link rather than directing you to log in securely through our website or app.
5 Steps to Protect Yourself
1️⃣ Check the Sender – Always verify the “from” address or phone number. If it looks odd, it probably is.
2️⃣ Look for Personalization – We’ll address you by name and never as just “Member” or “Customer.”
3️⃣ Watch for Urgency – Scammers often use scare tactics like “Your account will be closed in 24 hours.” Take a breath and double-check.
4️⃣ Avoid Clicking Links – Instead of clicking, go directly to your credit union’s official website or mobile app.
5️⃣ Verify Before You Share – UKFCU will never ask for your PIN, full account number, or online banking password by email or text.
What to Do If You Receive a Suspicious Message
Don’t reply, click, or download anything.
Report it immediately to us at contact@ukfcu.org or by calling 859.264.4200.
Delete the message after reporting.
If you ever feel uncertain, call us directly using the number on the back of your debit card or on our official website.
Phishing scams are designed to look real, but when you know the red flags, you can stay one step ahead. At University of Kentucky Federal Credit Union, your security is our priority. Stay vigilant and remember—we’re always here to help protect your financial future.
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