Gift cards are a popular and convenient way to give someone a gift. They’re also a popular way for scammers to steal money from you. That’s because gift cards are like cash: if you buy a gift card and someone uses it, you probably cannot get your mon...

Traveling far from home?

Shared Branching provides credit unions the reach of large banks by sharing their branches.  You shouldn't have to worry about not having access to your money wherever you go.  Whether by mobile of by branch, you can access yo...

Benefits of Direct Deposit - Make the Switch

The vast majority of employees in the United States are paid with direct deposit because of its cost and convenience benefits to both employers and employees.

What is direct deposit?

Direct deposit is a metho...

Before you create an Online account, shop, or enter any personal information on awebsite, check for signs that the orgaization and the site are secure and trustworthy.

What a Budget Does

As a personal financial planning tool, a written, monthly budget allows you to plan for how you'll spend and/or save your money each month and also keep track of your spending patterns. Though making a budget may not sound like the ...

Passwords are the key to almost everything you do online, and you probably have multiple passwords that you use throughout the day. Choosing hard-to-hack passwords and managing them securely can sometimes seem inconvenient. Fortunately, there are sim...

The arrival of spring encourages many of us to clean our homes, freshen up décor, and renew our fitness regimens. It can also be a good time to update your financial plan and take inventory of your accumulated assets. To that end, here are five tips ...

A little advance preparation can save you time and money

The federal government estimates that about 60% of individuals use paid preparers to complete and submit their tax returns. If you are one of those individuals, it is important to start organizi...

1. Say goodbye to debt.

Monthly debt payments are the biggest obstacle to saving money. Debt robs you of your income! So it’s about time you get rid of that debt. The fastest way to pay off debt is with the debt snowball method. This is where you pay ...

Some important things to consider when choosing a Credit Card!

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To learn more about credit cards, visit our smartFINANCE program here for more information.

Here are 10 common practices scammers keep in their arsenals to attempt to fool you and commit fraud.

1. Faking an emergency. Scammers pretend to represent an official organization (like the IRS) and call, text or email members to demand immediate mone...

Benefits of Car Leasing

Leasing a car means that you rent it. One common issue is that people opt to lease a car that they otherwise would not be able to purchase.

You will need less money to make a down payment on the car than you would if you were pu...

Few savings accounts offer the kind of immediate fun and respite that a typically vacation savings account does. This unique type of savings account is setup to do exactly what its name implies: Create a fund that can be used by our members to go on ...

Like any currency, there are disadvantages associated with using Cryptocurrency:

Cryptocurrencies Are Not Widely Accepted

Cryptocurrencies are still only accepted by a very small group of online merchants. This makes it unfeasible to completely rely on...

Progress in the fight against identity fraud: The Department of Justice concluded several high profile skimmer/shimmer card fraud in the last several months, and as a result put away both international criminals as well as several domestic fraudsters...

A 2021 study by Deloitte found that the average American internet household owns 23 connected devices, an increase from an average of 11 devices in 2019, and that number is increasing each year. When we think of devices, we mostly consider our smartp...

DIGITAL WALLET SERVICES

Sign up for digital wallet services today for the convenience of paying via your phone. Link your University Credit Union Mastercard with Apple Pay, Samsung Pay or Google Pay.

Digital wallets give you the freedom of quick transa...

Scammers and fraudsters are convincing people to lie to their bank or credit union in order to get you to wire funds to a specified account!

Your University Credit Union is concerned about your financial well being and have noticed a troubling trend h...

In this recent article from Consumer Reports, writer Benjamin Preston speaks to the advantages of purchasing your vehicle versus turning it in.  If you are looking to buy your vehicle out right, give us a call and see how University Credit Union can ...

P2P Payments

Calls and texts from individuals claiming to have the ability to erase student loan debt are on the rise. The Department of Education estimates that 45 million people currently have student loan debt totaling more than $1.5 trillion, with deadlines c...

Have you wondered what type of loan rate is right for you, fixed or variable?

By simple definition a fixed interest rate loan is a loan where the interest rate doesn't fluctuate during the fixed rate period of the loan.   A floating interest rate, als...

Card Valet Frequently Asked Questions

Card Valet Quick Reference Guide

Online peer-to-peer, or P2P, payment systems let you send money to people quickly. I’ve used them to collect money from the parents on my daughter’s soccer team and to send money to my brothers when we’ve bought a gift for a friend. Personally, I al...