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5 TIPS FOR REDUCING IDENTITY THEFT RISK

This is your year to shine; don’t let scammers steal your joy in 2024! Part of shining bright involves safeguarding your personal information. Did you know that the average American spends six hours and 58 minutes per day online? Or that more than 85% of Americans use the internet every single day? In this blog post, we'll share valuable tips to help you lower the risk of identity theft and navigate the digital world with confidence. Let's make this year one of empowerment and security as we prioritize the protection of our financial well-being.

1. Review Your Financial Statements and Credit Reports Regularly

Start the year by creating a habit of regularly reviewing your bank and credit card statements. Additionally, request and review your credit reports regularly from major credit bureaus. These simple practices allow you to quickly identify any unauthorized transactions and promptly act if necessary.

2. Strengthen Passwords and Use Two-Factor Authentication

Upgrade your online security by strengthening your passwords. Ensure they include a combination of uppercase and lowercase letters, numbers, and special characters. Additionally, enable two-factor authentication whenever possible to add an extra layer of protection to your accounts.

4. Shred Sensitive Documents

Dispose of old bank statements, credit card offers, and other sensitive documents by shredding them. This prevents identity thieves from accessing your personal information through discarded paperwork.

5. Secure Your Devices and Use Secure Wi-Fi Networks

Ensure that all internet-connected devices are protected with up-to-date security software. Regularly update your operating system and applications to patch vulnerabilities that could be exploited by cybercriminals. When accessing online banking or other sensitive accounts, make sure you're using a secure and password-protected Wi-Fi network.

As we embark on a new year, make it your resolution to prioritize your financial well-being by taking proactive steps to lower the risk of identity theft. By implementing these practical tips, you'll not only safeguard your personal information but also set the stage for a successful and secure year ahead. At Lisle Savings Bank, we are committed to supporting you on your journey to financial success and security. Here's to a bright and secure year!

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Title Token Key Token Value
Loan to Value Ratio - 81-90% - 10 Year Rate {{LTV_8190_10year_rate}} 5.500
Loan to Value Ratio - 81-90% - 10 Year APR {{LTV_8190_10year_apr}} 5.693
Loan to Value Ratio - 81-90% - 10 Year Payment Example {{LTV_8190_10year_pmt}} 1,790.68
Loan to Value Ratio - 81-90% - 10 Year Points {{LTV_8190_10year_points}} 0
Loan to Value Ratio - 81-90% - 15 Year Rate {{LTV_8190_15year_rate}} 5.625
Loan to Value Ratio - 81-90% - 15 Year APR {{LTV_8190_15year_apr}} 5.763
Loan to Value Ratio - 81-90% - 15 Year Points {{LTV_8190_15year_points}} 0
Loan to Value Ratio - 81-90% - 15 Year Payment Example {{LTV_8190_15year_pmt}} 1,359.16
Loan to Value Ratio - 81-90% - 20 Year Rate {{LTV_8190_20year_rate}} 6.125
Loan to Value Ratio - 81-90% - 20 Year APR {{LTV_8190_20year_apr}} 6.242
Loan to Value Ratio - 81-90% - 20 Year Points {{LTV_8190_20year_points}} 0
Loan to Value Ratio - 81-90% - 20 Year Payment Example {{LTV_8190_20year_pmt}} 1,194.04
Loan to Value Ratio - 81-90% - 25 Year Rate {{LTV_8190_25year_rate}} 6.250
Loan to Value Ratio - 81-90% - 25 Year APR {{LTV_8190_25year_apr}} 6.351
Loan to Value Ratio - 81-90% - 25 Year Points {{LTV_8190_25year_points}} 0
Loan to Value Ratio - 81-90% - 25 Year Payment Example {{LTV_8190_25year_pmt}} 1,088.45
Loan to Value Ratio - 81-90% - 30 Year Rate {{LTV_8190_30year_rate}} 6.375
Loan to Value Ratio - 81-90% - 30 Year APR {{LTV_8190_30year_apr}} 6.466
Loan to Value Ratio - 81-90% - 30 Year Points {{LTV_8190_30year_points}} 0
Loan to Value Ratio - 81-90% - 30 Year Payment Example {{LTV_8190_30year_pmt}} 1,029.39
Loan to Value Ratio - 71-80% - 10 Year Rate {{LTV_7180_10year_rate}} 5.375
Loan to Value Ratio - 71-80% - 10 Year APR {{LTV_7180_10year_apr}} 5.653
Loan to Value Ratio - 71-80% - 10 Year Points {{LTV_7180_10year_points}} 0
Loan to Value Ratio - 71-80% - 10 Year Payment Example {{LTV_7180_10year_pmt}} 1,780.48
Loan to Value Ratio - 71-80% - 15 Year Rate {{LTV_7180_15year_rate}} 5.500
Loan to Value Ratio - 71-80% - 15 Year APR {{LTV_7180_15year_apr}} 5.697
Loan to Value Ratio - 71-80% - 15 Year Points {{LTV_7180_15year_points}} 0
Loan to Value Ratio - 71-80% - 15 Year Payment Example {{LTV_7180_15year_pmt}} 1,348.19
Loan to Value Ratio - 71-80% - 20 Year Rate {{LTV_7180_20year_rate}} 6.000
Loan to Value Ratio - 71-80% - 20 Year APR {{LTV_7180_20year_apr}} 6.165
Loan to Value Ratio - 71-80% - 20 Year Points {{LTV_7180_20year_points}} 0
Loan to Value Ratio - 71-80% - 20 Year Payment Example {{LTV_7180_20year_pmt}} 1,182.11
Loan to Value Ratio - 71-80% - 25 Year Rate {{LTV_7180_25year_rate}} 6.125
Loan to Value Ratio - 71-80% - 25 Year APR {{LTV_7180_25year_apr}} 6.267
Loan to Value Ratio - 71-80% - 25 Year Points {{LTV_7180_25year_points}} 0
Loan to Value Ratio - 71-80% - 25 Year Payment Example {{LTV_7180_25year_pmt}} 1,075.74
Loan to Value Ratio - 71-80% - 30 Year Rate {{LTV_7180_30year_rate}} 6.250
Loan to Value Ratio - 71-80% - 30 Year APR {{LTV_7180_30year_apr}} 6.378
Loan to Value Ratio - 71-80% - 30 Year Points {{LTV_7180_30year_points}} 0
Loan to Value Ratio - 71-80% - 30 Year Payment Example {{LTV_7180_30year_pmt}} 1,015.93
Loan to Value Ratio - 61-70% - 10 Year Rate {{LTV_6170_10year_rate}} 5.250
Loan to Value Ratio - 61-70% - 10 Year APR {{LTV_6170_10year_apr}} 5.525
Loan to Value Ratio - 61-70% - 10 Year Points {{LTV_6170_10year_points}} 0
Loan to Value Ratio - 61-70% - 10 Year Payment Value {{LTV_6170_10year_pmt}} 1,770.31
Loan to Value Ratio - 61-70% - 15 Year Rate {{LTV_6170_15year_rate}} 5.375
Loan to Value Ratio - 61-70% - 15 Year APR {{LTV_6170_15year_apr}} 5.570
Loan to Value Ratio - 61-70% - 15 Year Points {{LTV_6170_15year_points}} 0
Loan to Value Ratio - 61-70% - 15 Year Payment Example {{LTV_6170_15year_pmt}} 1,337.27
Loan to Value Ratio - 61-70% - 20 Year Rate {{LTV_6170_20year_rate}} 5.875
Loan to Value Ratio - 61-70% - 20 Year APR {{LTV_6170_20year_apr}} 6.037
Loan to Value Ratio - 61-70% - 20 Year Points {{LTV_6170_20year_points}} 0
Loan to Value Ratio - 61-70% - 20 Year Payment Example {{LTV_6170_20year_pmt}} 1,170.24
Loan to Value Ratio - 61-70% - 25 Year Rate {{LTV_6170_25year_rate}} 6.000
Loan to Value Ratio - 61-70% - 25 Year APR {{LTV_6170_25year_apr}} 6.140
Loan to Value Ratio - 61-70% - 25 Year Points {{LTV_6170_25year_points}} 0
Loan to Value Ratio - 61-70% - 25 Year Payment Example {{LTV_6170_25year_pmt}} 1,063.10
Loan to Value Ratio - 61-70% - 30 Year Rate {{LTV_6170_30year_rate}} 6.125
Loan to Value Ratio - 61-70% - 30 Year APR {{LTV_6170_30year_apr}} 6.251
Loan to Value Ratio - 61-70% - 30 Year Points {{LTV_6170_30year_points}} 0
Loan to Value Ratio - 61-70% - 30 Year Payment Example {{LTV_6170_30year_pmt}} 1,002.56
Loan to Value Ratio - 60% and Below - 10 Year Rate {{LTV_60_10year_rate}} 5.125
Loan to Value Ratio - 60% and Below - 10 Year APR {{LTV_60_10year_apr}} 5.397
Loan to Value Ratio - 60% and Below - 10 Year Points {{LTV_60_10year_points}} 0
Loan to Value Ratio - 60% and Below - 10 Year Payment Example {{LTV_60_10year_pmt}} 1,760.18
Loan to Value Ratio - 60% and Below - 15 Year Rate {{LTV_60_15year_rate}} 5.250
Loan to Value Ratio - 60% and Below - 15 Year APR {{LTV_60_15year_apr}} 5.443
Loan to Value Ratio - 60% and Below - 15 Year Points {{LTV_60_15year_points}} 0
Loan to Value Ratio - 60% and Below - 15 Year Payment Example {{LTV_60_15year_pmt}} 1,326.40
Loan to Value Ratio - 60% and Below - 20 Year Rate {{LTV_60_20year_rate}} 5.750
Loan to Value Ratio - 60% and Below - 20 Year APR {{LTV_60_20year_apr}} 5.910
Loan to Value Ratio - 60% and Below - 20 Year Points {{LTV_60_20year_points}} 0
Loan to Value Ratio - 60% and Below - 20 Year Payment Example {{LTV_60_20year_pmt}} 1,158.44
Loan to Value Ratio - 60% and Below - 25 Year Rate {{LTV_60_25year_rate}} 5.875
Loan to Value Ratio - 60% and Below - 25 Year APR {{LTV_60_25year_apr}} 6.013
Loan to Value Ratio - 60% and Below - 25 Year Points {{LTV_60_25year_points}} 0
Loan to Value Ratio - 60% and Below - 25 Year Payment Example {{LTV_60_25year_pmt}} 1,050.53
Loan to Value Ratio - 60% and Below - 30 Year Rate {{LTV_60_30year_rate}} 6.000
Loan to Value Ratio - 60% and Below - 30 Year APR {{LTV_60_30year_apr}} 6.124
Loan to Value Ratio - 60% and Below - 30 Year Points {{LTV_60_30year_points}} 0
Loan to Value Ratio - 60% and Below - 30 Year Payment Example {{LTV_60_30year_pmt}} 989.26
Refinance APR Fees {{Refinance_APR_Fees}} 1,134.25
Purchase APR Fees {{Purchase_APR_Fees}} 2,102.00
First Time Home Buyer APR Fees {{FTHB_APR_Fees}} 1,452
First Time Home Owner Refinance APR Fees {{FTHO_Fefi_APR_Fees}} 539.25
Odd Day Interest {{Odd_Day_Interest}} 1,595.00
Purchase Rate Adjustor {{Purchase_Rate_Adjustor}} 0
First Time Home Buyer Rate Adjustor {{FTHB_Rate_Adjustor}} 0
Refinance Rate Adjustor {{Refi_Rate_Adjustor}} .125
Interest Checking - Rate {{checking_interest_rate}} 0.05
Interest Checking - APY {{checking_interest_apy}} 0.05
Gold 50 Checking - Rate {{checking_gold50_rate}} 0.10
Gold 50 Checking - APY {{checking_gold50_apy}} 0.10
Premium Checking - Rate {{checking_premium_rate}} 0.15
Premium Checking - APY {{checking_premium_apy}} 0.15
Home Business Checking - Rate {{checking_home_business_rate}} 0.05
Home Business Checking - APY {{checking_home_business_apy}} 0.05
E - Savings - $0.01 to $49,999 - Rate {{savings_esavings_49999_rate}} 1.00
E Savings - $0.01 to $49,999 - APY {{savings_esavings_49999_apy}} 1.00
E Savings - $50,000 and Over - Rate {{savings_esavings_50000_rate}} 1.25
E Savings - $50,000 and Over - APY {{savings_esavings_50000_apy}} 1.25
Statement Savings - Rate {{savings_statement_rate}} 0.70
Statement Savings - APY {{savings_statement_apy}} 0.70
Small Savers - Rate {{savers_small_rate}} 0.70
Small Savers - APY {{savers_small_apy}} 0.70
IRA Statement Savings - Rate {{savings_ira_statement_rate}} 0.70
IRA Statement Savings - APY {{savings_ira_statement_apy}} 0.70
Insured Money Market $0.01 to $49,999 - Rate {{moneymarket_49999_rate}} 0.60
Insured Money Market $0.01 to $49,999 - APY {{moneymarket_49999_apy}} 0.60
Insured Money Market $50,000 - $99,999 - Rate {{moneymarket_99999_rate}} 0.70
Insured Money Market $50,000 - $99,999 - APY {{moneymarket_99999_apy}} 0.70
Insured Money Market $100,000 - $199,999 - Rate {{moneymarket_199999_rate}} 1.00
Insured Money Market $100,000 - $199,999 - APY {{moneymarket_199999_apy}} 1.00
Insured Money Market $200,000 and Over - Rate {{moneymarket_200000_rate}} 1.25
Insured Money Market $200,000 and Over - APY {{moneymarket_200000_apy}} 1.25
6 Month CD - Rate {{cd_6mo_rate}} 0.45
6 Month CD - APY {{cd_6mo_apy}} 0.45
9 Month CD - Rate {{cd_9mo_rate}} 4.69
9 Month CD - APY {{cd_9mo_apy}} 4.80
12 Month CD - Rate {{cd_12mo_rate}} 0.55
12 Month CD - APY {{cd_12mo_apy}} 0.55
18 Month CD - Rate {{cd_18mo_rate}} 0.60
18 Month CD - APY {{cd_18mo_apy}} 0.60
24 Month CD - Rate {{cd_24mo_rate}} 0.65
24 Month CD - APY {{cd_24mo_apy}} 0.65
30 Month CD - Rate {{cd_30mo_rate}} 0.70
30 Month CD - APY {{cd_30mo_apy}} 0.70
42 Month CD - Rate {{cd_42mo_rate}} 0.75
42 Month CD - APY {{cd_42mo_apy}} 0.75
180 Days Jumbo CD - Rate {{cd_jumbo_180days_rate}} 0.50
180 Days Jumbo CD - APY {{cd_jumbo_180days_apy}} 0.50
365 Days Jumbo CD - Rate {{cd_jumbo_365days_rate}} 0.60
365 Days Jumbo CD - APY {{cd_jumbo_365days_apy}} 0.60
9 Month CD Special - Rate {{cd_9mo_special_rate}} .50
9 Month CD Special - APY {{cd_9mo_special_apy}} .50
13 Month CD Special - Rate {{cd_23mo_special_rate}} 4.69
13 Month CD Special - APY {{cd_23mo_special_apy}} 4.80
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