Library of Congress Federal Credit Union

1. “You can’t tell anyone.”
Secrecy is a scammer’s first red flag. If someone urges you to keep things quiet—especially from your family, friends, or your credit union—it’s likely a scam.

2. Creating false urgency.
Scammers try to pressure you into fast decisions—like withdrawing all your money or moving it to a “safe” account. Don’t fall for it.

3. Pretending to be the government.
The IRS, FBI, or local police will never demand payments via gift cards, cryptocurrency, or wire transfers—and not over the phone, text, email, or social media.

4. “Too good to be true.”
If it sounds unbelievable, it probably is. Stay cautious of suspicious offers or requests.

5. Playing on emotions.
Scammers often act friendly or concerned—asking about your family or well-being—to gain your trust. Don’t let your guard down.

Stay alert. Stay protected. When in doubt, call us directly.