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Fraud Protection

OE Federal is dedicated to security and safety of our members. It is important to be aware of various forms of fraud attempts. Beware of anyone asking you to enter your account information for any reason. Some schemes ask you to participate in a survey or tell you you need to reactivate your account. OE Federal has no need to ask you for your account information, we already have it.

To report lost or stolen cards, please contact us.

  • Member Service: 800.877.4444
  • Lost/Stolen Visa: 800.682.6075

Here are some examples of the kinds of information scammers are looking for:

  • ATM Card Numbers
  • Card Expiration Dates 
  • Credit and/or Debit Card Numbers
  • Card Security Codes 
  • Personal Identification Numbers (PIN)
  • Social Security Numbers 

The schemes generally state that; "Your card or account is blocked, suspended, and/or compromised." You are then instructed to reactivate or confirm your account and/or card by entering your card information or by clicking on a link that takes you to a fake website. Additionally, beware of emails or phone calls regarding surveys or contests with a financial reward.

How can I protect myself?

If you receive any of these types of messages or emails, treat them with extreme caution and call OE Federal Member Services at (800) 877-4444. Remember, when in doubt, DO NOT give out any personal information.

Quick Tips

Bookmark or manually type in the URL of ours or any website. Be cautious of clicking on links within an email message. Avoid using search engines such as Yahoo or Google to access our site. 

Pay close attention to the browser address bar (phishing sites will have some sort of IP address or domain name in front of the oefcu.org part of the address). 

Remember, OE Federal has no need to ask you for your PIN, expiration date, and/or security codes. 

Treat any request for confidential information with a healthy dose of suspicion. 

Report cybercrimes to law enforcement at www.ic3.gov

Identity Protection

Identity theft is one of the fastest growing crimes in the U.S. It occurs when someone uses your personal information such as your name, driver's license number, Social Security number, credit card number, birth date or mother's maiden name to access your bank accounts, open new checking accounts or apply for credit cards and other loans. Many victims learn about identity theft after they are declined for a loan, receive a past due notice for a credit card or loan they did not open or are contacted by a collection agency for bad checks they never wrote. 

While you can't entirely control whether you will become a victim, there are steps you can take to protect your identity and minimize your risk. If you think you've become a victim of identity theft or fraud, click here for tips on what to do or click here to see an Identity Theft Toolkit provided by our partner, Balance.


Phishing is a form of identity theft. It occurs when someone acts as if they are representing an organization and tries to trick the consumer into providing personal information. With a name and any personally identifying information, the identity thief can apply for credit in the consumer’s name and damage the consumer’s financial reputation for years to come. Phishing can occur through various forms of communication including: email, telephone and fake websites. If you think you've become a victim of identity theft or fraud, click here for tips on what to do.

Tips on What to Do

If you think you've become a victim of identity theft or fraud, act immediately to minimize the damage to your personal funds and financial accounts. Below are some actions you should take:

Contact the three major credit bureaus and request a "fraud alert" be placed on your credit file. Order copies of your credit report from the credit bureaus to check whether any fraudulent accounts were opened without your knowledge or consent. Check your monthly financial statements for accuracy.

Equifax - (800) 525-6285 

Experian - (888) 397-3742 

Trans Union - (800) 680-7289 

Contact OE Federal or your other financial institutions and creditors, by phone and in writing, and report the crime. Request that they flag your accounts and request that you be notified for any unusual activity on your accounts.

File your concern online with the Federal Trade Commission (FTC). The FTC has counselors to assist identity theft victims with resolving financial and other problems that can result from this crime. 

For more tips and education, please visit the following websites:

The Federal Trade Commissions

The Anti Phishing Group

On Guard Online

California Office of Privacy Protection

Visa Security Sense

Current Fraud Alerts

Target Card Compromise Information - December 2014

On December 19, 2013, Target announced they were involved in a payment card data compromise resulting in the unauthorized access of cardholder information. The compromise may include OE Federal Debit and Visa cards and Target Red Cards that are linked to OE Federal checking accounts.  This compromise involves in-store purchases made from November 27, 2013 - December 15, 2013.

If you shopped at Target during the compromise timeframe and/or have a Target Red card linked to your checking account, we encourage you to closely monitor your Visa and/or checking account over the next few months and notify us immediately if you find any unauthorized activity by calling 800.877.4444.

For more details, click here to read our full article on the Target Card Compromise

Suspicious Phone Calls/Phishing Scams - November 2013

It has come to our attention that some members may have received phone calls offering a reduced Visa credit card rate. Please be aware that these phone calls are not being made by OE Federal Credit Union.  A credit union employee will never call you and request your personal information.  If you receive this type of call, please do not provide the caller with any information.  If you have questions regarding your account, contact the credit union by calling 800.877.4444.


Aggressive/Misleading 3rd Party Mortgage Marketing - October 2013

It has come to our attention that OE Federal members with a mortgage loan may be receiving misleading letters from a 3rd party entity. In this letter an offer is made to lower the rate and/or payment. Please be advised that this letter is not being mailed to you by the Credit Union. This 3rd party entity gathers this information in bulk from public records and 'spams' many financial instituion members/customers. OE Federal will never have a 3rd party contact you by letter or by phone to discuss your membership. Click here to see a sample of the 3rd party letter. If you receive a similar letter or have questions regarding this, please contact our Real Estate Department at (800) 877-4444.

Survey Phone Calls - July 2013

It has come to our attention that some members have received a phone call from an individual posing as an employee of OE Federal Credit Union and requesting to set-up an appointment for a survey regarding opening a new branch in the local area. Please be advised that the credit union is not conducting this survey. A credit union employee will never call you and request information from you. If you receive a similar call, please do not provide the caller with any personal information. If you have any questions please contact the credit union at 800.877.4444.


Text Phishing Scam - Apr. 2013

Text Phishing Scams are increasing. Fraudsters are texting consumers with a message that their payment card has been frozen or suspended. You are then directed to call a number provided in the text to unfreeze the payment card. If you receive a text as described, please do not call the number in the text, reply by text or provide any personal information.

OE Federal will never send you a text or call you requesting personal information. If you have any questions please contact the credit union at 800.877.4444.


Holiday Safety Tips - Dec. 2012

The holidays are here and you may be purchasing gifts for friends and loved ones. We want to make sure you're prepared when you're out and about this holiday season. We've gathered some Holiday Safety Tips, courtesy of the Stockton, CA Police Departement. Also, if you misplace or have your purse/wallet stolen contact the Credit Union immediately. You can also check out this great article from our partner, BALANCE, on what to do when this happens by clicking here.


Text Message Scam - Nov. 2012

We have been made aware that some members have received Text Messages stating: "Your Credit Union debit card has been flagged." The message prompts members to call a phone number to reactivate their card. If you receive this Text Message, please do not reply, call the phone number or provide any card information.

There is no card compromise and OE Federal will never text or call you requesting your personal information. If you have any questions please contact the Credit Union. To see a sample of the Text Message click here.


International Phone Scam, Swindling Grandparents - Aug. 2012

OE Federal has been made aware of an international telephone scam that is bilking Grandparents out of thousands of dollars. Calls are mainly originating from Mexico, but are also being made from Central & South America. Scammers are calling Grandparents and posing as their grandsons or granddaughters, asking for money because they are in trouble. The reasons vary as to why the grandchild is in trouble, but the scammers are consistently asking for money to be wired to their bank account in order to get the grandchild out of the dilemma. These scammers are very convincing in their telephone calls and have knowledge of family information. If you receive a similar call, please do not provide your personal information and verify with your family first to make sure there truly is an emergency.



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