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The 2018 Elk County Project Gifts for Kids was very successful this year!! A special thank you to all who donated.

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Phishers send fake invoices

February 23, 2018 by Ari Lazarus

Consumer Education Specialist, FTC

We’ve recently heard that scammers are recycling an old phishing attempt. In this version, scammers, posing as a well-known tech company, email a phony invoice showing that you’ve recently bought music or apps from them. The email tells you to click on a link if you did not authorize the purchase. Stop – do not click on the link. That’s the new twist on an old scam.

More precisely, you just experienced a phishing attempt – that is, when a scammer uses fraudulent emails or texts, or copycat websites to get you to share valuable personal information. The scammers then use that information to commit fraud or identity theft.

Scammers also use phishing emails to get access to your computer or network – then they install programs like ransomware that can lock you out of important files on your computer.

Here are some tips to help keep your information secure: •Be suspicious if a business, government agency, or organization asks you to click on a link that then asks for your username or password or other personal data. Instead, type in the web address for the organization or call them. The link in the email may look right, but if you click it you may go to a copycat website run by a scammer. •Be cautious about opening attachments. A scammer could even pretend to be a friend or family member, sending messages with malware from a spoofed account. •Set your security software to update automatically, and back up your files to an external hard drive or cloud storage. Back up your files regularly and use security software you trust to protect your data.

Scammers impersonate the Social Security Administration

January 26, 2018 by Ari Lazarus

Consumer Education Specialist, FTC

Your Social Security number is an important key for an identity thief. Scammers want it, and they think of all sorts of ways to trick you into giving it away.

Here at the Federal Trade Commission, we’re getting reports about calls from scammers claiming to be from the Social Security Administration. They say there’s been a computer problem, and they need to confirm your Social Security number.

Other people have told us that they have come across spoof websites that look like the place where you would apply for a new Social Security card – but these websites are actually a setup to steal your personal information.

If you get a phone call or are directed to a website other than that is claiming to be associated with the Social Security Administration, don’t respond. It’s most likely a scam.

Here’s some tips to deal with these government imposters: •Don’t give the caller your information. Never give out or confirm sensitive information – like your bank account, credit card, or Social Security number – unless you know who you’re dealing with. If someone has contacted you, you can’t be sure who they are. •Don’t trust a name or number. Con artists use official-sounding names to make you trust them. To make their call seem legitimate, scammers use internet technology to spoof their area code – so although it may seem they are calling from Washington, DC, they could be calling from anywhere in the world. •Check with the Social Security Administration. The SSA has a warning about these scams and suggests you contact them directly at 1-800-772-1213 to verify the reason for the contact and the person’s identity prior to providing any information to the caller.

If you come across one of these scams, please report it to the Social Security Administration’s Fraud Hotline at 1-800-269-0271/1-866-501-2101(TTY) and then tell the FTC about it.

Please remember that Mountain Laurel FCU will NEVER contact you via phone, letter, e-mail or text message to ask for your account numbers, user names, passwords, PINs or Social Security number. If you are suspicious of any communication you received from the credit union, please don't hesitate to verify it by calling us at (814) 834-9518.

Email Fraud/Phishing

Email fraud, or "phishing", involves emails that appear to be from a legitimate source, but are a criminal attempt at obtaining personal and/or account information. Phishing emails will often provide a website link that will direct you to a fake website. It will prompt you to enter your personal information. Don't be fooled! The site will look almost identical to the legitimate one. The email may request you to call a number they have set up. It is important to remember that Mountain Laurel Federal Credit Union never requests personal information via email, as email is not a secure method of communication.

If you are a victim of email fraud, then you should follow the steps below:

1.Do NOT click any links in or reply to a suspicious email
2.Do NOT enter any requested information
3.Contact MLFCU Contact Center immediately at (814) 834-9518

Our new Mobile App is now available

Download today from the App Store or Google Play

Debit Card Phishing Scam

Several of our members have received a phone call saying that their Debit Cards are "Frozen" or "Blocked". The callers are requesting that you verify information before they will unblock. This IS NOT from the Credit Union, it is a phishing scam!! Do not give out any information. Please contact the credit union branch nearest you to confirm if there is an actual block on your card.


Debit Card Info.

We have been informed that the after hours support number on the back of your new card is incorrect. It SHOULD be 1-888-467-7001.


...that we have partnered with Sherpa Identity Protection, and may now offer critical protection service to our members. Sherpa is powered by the leading provider of global, enterprise-level identity protection and fraud detection technologies and solutions. Their service goes beyond standard credit monitoring to include a multi-layered approach to protecting identities -- credit monitoring, internet surveillance, lost wallet protection, full-service identity and credit restoration, and up to $1 million in insurance protection.

You can trust in Mountain Laurel Federal Credit Union and Sherpa to help keep your personal information protected.

Visit Sherpa for more information.

Dream Car. Dream Loan. AskAuto® App.

Shopping for a car can be a complicated, stressful experience. What if you could find help to make the process easier? Now you can, with our new AskAuto app for your smartphone or tablet.

The AskAuto app is a powerful research and lending tool that can help you shop for your dream car and apply for a great loan through Mountain Laurel Federal Credit Union. The app is easy to use. Let's say you are out shopping for vehicles on Sunday afternoon and see three cars that you like. Simply scan the VINs into your mobile device to get the average retail cost, EPA mileage estimates and make notes about each vehicle. The AskAuto app saves the information so you can compare later. While you are on the lot, we can even send you messages about available loans or dealerships we have good partnerships with, giving you good, trustworthy information right when you need it.

Once you've decided on your car, apply for your loan anytime, anywhere using your smartphone or mobile device. Just scan your drivers license* and let the AskAuto app do most of the work for you. Your loan application will prefill your personal information and the vehicle information you saved earlier. With the AskAuto app, you'll stay organized, save time and have information to make an informed purchase right at your fingertips.

Want to take the AskAuto app for a spin? Download today at Be sure to select Mountain Laurel Federal Credit Union on the apps startup screen.
  • Drivers license scan not available in all states.

Urgent Notice:

MLFCU will NEVER ask for personal information or ask you to CONFIRM your personal information of any kind by a phone or by an email. This includes your PIN, passwords, credit or debit card account or pin numbers, expiration dates, or other confidential information.

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