Possibly not who you think… unfortunately.

With the recent landslide of artificial intelligence (AI) software development, and broad global access – there are ever more elements that each and every one of us now needs to consider in our day to day lives – no matter if you use these new tools or not. And yes, we definitely get it… some people don’t know much about AI, and some people, plain and simple, don’t want to know. But here’s the thing – understanding AI capabilities is crucial, even if you don’t want to use it yourself, because it can still be used on you. One of the latest threats we’re seeing is AI-powered voice fraud, and it’s important to stay informed because this happens over the phone – no computer even needed on your end.

Picture this: You receive a call from someone who sounds exactly like a family member, close friend, or colleague and they are asking for urgent help. The voice you’re hearing, while it may belong to them --- is no longer theirs. It has been processed by an AI tool that now allows scammers to call and talk to you in their voice. Scary, yes? Reality, yes! This type of fraud is increasing rapidly, and we unfortunately, expect it to continue as such.

So, how can you protect yourself? First, always verify the caller’s identity through another channel before acting on such a request. A simple text or call back to their known number can save you from falling victim. While the voice emulation is new, the scam is fairly old – the people on the other side of the call are going to be asking for unusual information or to do unusual things. As always – if something seems off, it probably is.

Yes – the development and use of AI is overwhelming to say the least. But ignorance is not bliss, and even if you want nothing to do with it, staying informed can be your best bet in staying safe out there – because knowing how AI can be used against you is just as valuable as knowing how to use it.

Visit: https://www.stellervista.com/personal/banking/staying-safe to learn more about staying safe online.

In recent member surveys, we’ve seen hundreds of members indicate that they would refer us to friends or family who needed some banking done – and this… well this got us thinking. We should probably be rewarding the members that bring new business to the credit union!

So, for a limited time, members of StellerVista can earn up to $1,000 by referring a mortgage. If you know someone looking to buy a house, or even just looking to move their mortgage for a better deal – then you definitely need to take advantage of this offer! Plus – if the person you refer gets that new mortgage with us, they too are eligible for some generous cash back! It’s an oh so rare “win-win-win”.

All you need to remember is that mortgages of all types = StellerVista. The banks will do some, and brokers will do some others – but we are the true local lender, with the experience and willingness to do it all. Mobile homes, land, construction, cabins – you name it, we know how to make it work.

That said, this section is starting to sound a little bit like marketing – which really is not the intent. Instead, we wanted to let the members who were asking to know that, yes, referral bonuses are now available!

If you have any questions or need more info, please don’t hesitate to reach out to us at info@StellerVista.com or visit StellerVista.com/mortgages for the full terms and conditions.