Cybersecurity: Creating Secure Passwords
Minute Read
(Edited by Shauna Scarnato)
Your passwords protect nearly every part of your digital life—from banking to shopping to social media. Cybercriminals are constantly looking for weak or reused passwords to gain access to personal information. A few smart habits can make it much harder for hackers to get in. Check out these password tips from our Chief Information Officer, Garth Pricer, and VP/IT Information Security Officer, Kevin King.
1. Create strong passwords
Longer passwords are significantly harder to crack. Aim for passwords that are at least 16 characters long and avoid predictable patterns like:
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Sequential numbers or letters (12345, abcde).
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Personal details such as your name, address or birthday.
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Common or easily guessed words.
Tip: Consider using a memorable passphrase made up of unrelated words combined with numbers or symbols.
2. Use a unique password for every account
Using the same password across multiple websites is one of the biggest security risks. When hackers obtain login credentials, those usernames and passwords get added to more extensive lists for hackers to try on other sites. If you reuse passwords, one breach can expose several accounts. Having unique passwords helps limit the damage if one account is compromised.
3. Consider a password manager
Think of this as a secure digital vault where you can safely store your usernames and passwords until you need them. Many devices and web browsers offer built-in password managers, and trusted standalone options are also available.
Nearly all reputable password managers also include features that can:
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Detect reused passwords, helping you maintain unique passwords for each account.
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Flag weak passwords that should be strengthened.
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Check whether any of your credentials appear in known data breaches using secure, privacy-preserving methods.
4. Change your password regularly
Updating passwords periodically helps limit the amount of time criminals can use stolen credentials. If you ever learn of a data breach affecting one of your accounts—or suspect fraudulent activity—change your password immediately.
5. Enable multifactor authentication
Multifactor authentication (MFA) adds an extra layer of protection by requiring more than one form of verification—such as a password combined with a one-time code, device prompt or biometric scan. Even if someone gets your password, MFA can stop them from logging in. Many websites and apps offer MFA at no cost, and it only takes a few minutes to set up.
Lock Down Your Logins
You are the first line of defense against fraud. Spending just a few minutes strengthening your passwords and enabling security features can significantly reduce your risk of account takeovers and identity theft. Taking action now helps protect your financial information and personal data.
If you ever receive a suspicious email, phone call or text claiming to be from Members 1st Federal Credit Union, please notify us immediately by calling (800) 826-4314.
