We're here 24/7 to help when you need financial support.

Access your P&S Credit Union accounts anywhere, anytime! Apply for a loan or open an account online 24/7 from your mobile device!

You've got dreams, we've got solutions!

VISA® Credit Cards

introductory rate as low as

4.99% APR

Truck & Auto Loans

as low as

2.49% APR

RV & Boat Loans

as low as

8.00% APR

01

Personal Loans

P&S Credit Union personal loans take the worry out of borrowing with predictable payments that won't change over time.

02

Auto Loans

With GAP protection, Vehicle Waranties, Debt Protection and Low Rates, P&S Credit Union has Auto Loans that won't be beat!

03

Home Equity

Use the equity built in your home to access funds for major expenses with a 10 year draw and a 10 year repayment period.

04

Savings & CD's

As a member-owned nonprofit, our growth is tied directly to yours. That’s why we strive for superior support and service.

05

Online Banking

Online Banking provides secure access to your accounts 24/7 from anywhere, using your computer, tablet or smartphone.

06

Mobile Banking

Put you money in your pocket with Mobile Banking. The P&S Credit Union Mobile App can save YOU time and money!

Credit Union News-

MAR

2024 Lagoon Season Passports Available!

 

P & S Credit Union
ONLINE Good Any Day Passports Available
Valid for purchase and use for the entire 2024 Lagoon Season.

You may purchase passports TODAY online using your Promo Code!
“Online Terms” for Good Any Day ONLINE Promo Code:
*Single Day Passports to Lagoon ONLINE ONLY for $74.95 + tax for ALL AGES. Passports may be purchased online at www.lagoonpark.com for a discounted rate using your exclusive promo code.

To purchase passports, visit www.lagoonpark.com

Select BUY TICKETS (https://shop.lagoopark.com)

Contact us for the promo code. Enter the code and your discounted tickets will be located at the top of the page for purchase. Up to 12 passports may be purchased per transaction.

 

West Valley City, UT

 2024

MAY

CYBER SECURITY SPOT LIGHT - ONLINE SHOPPING SCAMS.

P&S Credit Union Wants to Keep You Safe from Scammers!

We will be providing up to date information and ideas on how to protect you and your money from scammers and frauds in our monthly spotlight. There are numerous articles to help you and your family know the risks. A couple of great resources are https://consumer.ftc.gov/consumer-alerts and https://www.usa.gov/scams-and-fraud

This month we are focusing on discussing Online Shopping Scams.

P&S Credit Union Wants to Keep You Safe from Scammers!

 

In our monthly spotlight, we will provide up-to-date information and ideas on protecting you and your money from scammers and fraud. There are numerous articles to help you and your family know the risks. A couple of great resources are https://consumer.ftc.gov/consumer-alerts and https://www.usa.gov/scams-and-fraud.

This month, we will be looking into Online Shopping Scams.

The rise of online shopping has revolutionized the way we shop, offering a world of products and options at a moment's notice. With nearly 19% of all purchases being online, it is an easy market for bad actors to exploit unsuspecting shoppers. In this article, we will investigate some of these scams, provide practical tips on identifying them, and finally discuss how to protect yourself from these fraudsters.

Types of Online Shopping Scams:

1.     Fake Stores: Scammers can create counterfeit websites that mimic legitimate stores, including enticing deals and discounts. An unsuspecting shopper may input payment information when ordering. Only to never receive the purchase or encounter unauthorized charges to their accounts.

2.     Phishing Emails: It is common to see an email from one of your favorite online stores. Fraudsters will use this “in” to send you an email that may look like one of those emails to get you to click on malicious links. These links can lead to websites designed to steal personal and financial information.

3.     Social Media Scams: When swiping through social media, you will often see advertisements. Scammers often use this opportunity to offer high-demand products at dirt-cheap prices, leading victims to make purchases through unsecured channels.

4.     Overpayment Scams: What if you are the seller? Scammers may pose as potential buyers, but when they offer to pay, they will overpay with a fraudulent check or money order. They will ask you to return the excess amount only for the original payment to be fake, leaving the seller at a loss.

 

Red Flags to Watch For:

1.     “Too Good to Be True” Deals: It is best practice to exercise caution when encountering unrealistic offers or deals. If an offer appears too good to be true, it likely is.

2.     Unsecure Websites: Ensure the website is secure before entering any personal or financial information. Look for HTTPS encryption and the padlock icon in the address bar; these are indicators of a secure connection.

3.     Pressure Tactics: Be wary of websites or sellers that use high-pressure tactics to rush you into a purchase. Some examples may be “limited supply” or a countdown timer. Legitimate retailers will allow customers to make informed decisions without undue coercion.

4.     Poor Website Design: Counterfeit websites can exhibit poor design, spelling errors, and inconsistent branding.

 

Protecting Yourself Against Online Shopping Scams:

1.     Research the Retailer: Before purchasing, research the seller’s reputation and reviews from other customers. You can verify their contact information and ensure they have a legitimate physical address.

2.     Secure Payment Methods: Secure payment methods like credit cards or PayPal offer buyer protection and can help dispute unauthorized charges.

3.     Unusual Payment Requests: Avoid sellers who request payment through unconventional methods, such as wire transfers, gift cards, or cryptocurrency. These are often indicative of fraudulent activity.

4.     Stay Informed: Be aware of the latest online shopping scams and fraud tactics by following trusted sources of information and staying vigilant.

 

Conclusion:

While online shopping can offer unparalleled convenience and a vast array of products, it also exposes consumers to the risk of falling victim to scams and fraud. By knowing what to look for, remaining vigilant, and exercising caution while shopping online, you can navigate the digital marketplace safely and protect yourself from falling prey to deceptive schemes.

 

West Valley City, UT

 2024

We Have Many Reasons to Choose P&S Credit Union

P&S Credit Union is "Where People & Service Matter!"

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Membership

P&S membership is open to select Union Associations, their families and residents of Salt Lake County.
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VISA® Platinum

Get the purchase power you need with a fixed rate, low interest P&S VISA® Platinum Credit Card.
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Best Rate Guarantee

We do what we can to beat competitors' rates! Get the lowest possible rate with the benefits of P&S Credit Union membership!
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Annual Credit Report

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If your credit history is not where you want it to be, you’re not alone. Improving your credit scores takes time, but the sooner you address the issues that might be dragging them down, the faster your credit scores will go up. The higher your scores, the more likely you are to qualify for loans…

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