Why You Should Never Abbreviate “2020”

It may be a new year, but scammers are still looking for ways to con you out of your money. Experts are warning of a new scam that involves changing the date on important documents.

Most of us are accustomed to abbreviating the date by using just the last two digits of the year when we need to write it. While it was fine to do in the past, continuing this practice in 2020 can be problematic. With the two sets of digits that make up the new year being identical, abbreviating the date on documents opens us up to multiple scams. read more

8 Ways Online Retailers Push Us To Overspend

Overspending during the holidays is easy…and even easier when online retailers deploy every tactic to get your attention. Here are 8 ways online retailers push us to overspend.

Infographic listing 8 ways online retailers push you to overspend online

1. They offer free shipping… with a minimum purchase.
When retailers offer to sponsor shipping costs if you spend $50, they lure you into spending more.

2.  They make it super-easy to check out.
Websites make their checkout process ridiculously easy to keep you from overthinking your purchases and opting out. read more

CASH TRANSFER AND PAYMENT APPS

When used responsibly between peers, payment and cash transfer apps can be a very convenient way for friends to share expenses or pay back borrowed funds, but exercise caution before hitting “send.” Catch our latest blog post for more on Peer-to-Peer (P2P) payment systems. #membersfirstga #paymentapps #p2p #peertopeerpayments

How Your Credit Union Can Help You Keep Your New Year’s Resolutions

How Your Credit Union Can Help You Keep Your New Year's Resolutions Title with eBook Cover of Person Creating New Year's Resolutions After Holidays

Plus, read below on how to download your copy of our FREE 35-page interactive eBook to help guide your finances! 

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Surprise! It’s another new year. Like clockwork, we associate the new year with self-improvement or starting something new. While the thought of bettering ourselves is intriguing, it tends to bring on a wave of stress and anxiety. Why? It’s not that the want to isn’t there…it’s the how to that gets us. Moreover, the lack of knowledge of resources or tools available to help us keep New Year’s resolutions doesn’t help either.

We can help.

We’re committed to simplifying your banking experience and, by doing so, reducing the stress that comes with dealing with finances and keeping yourself “out of the red.” Your credit union is comprised of people who share similar financial goals and challenges who also want to keep New Year’s resolutions.

Tip the scale in your favor. When making this year’s list of resolutions and goals, keep these 5 tips in mind. You might just see your waistline shrink while your savings expand.

How Your Credit Union Can Help You Keep Your New Year’s Resolutions

Get a grip on finances.

Knowing where your money is going gives you more confidence, and as a result, you can control it better. If keeping better track of where your money is going is part of your new year’s resolutions, use online and mobile banking and e-Statements to keep track of your money. Use MoneyDesktop™ (accessible through online banking) to sort purchases and deposits into categories. You can identify areas you might want to reassign funds for a better purpose – like saving and paying off high-interest loans (or swapping a few fast-food purchases each month for a basic gym membership).

Get a better, higher-paying job by improving your credit history. read more

Protect Yourself from Identity Theft

Image of man accessing confidnetial info. Protect Yourself from Identity Theft

Identity theft is one of the most nefarious crimes out there. Here are seven ways to help protect yourself: 

Secure Your Hard Copies 

Every sensitive document should be kept in a safe or scanned and saved in a secure folder. Credit cards and debit cards should be securely placed in your wallet at all times. 

Bonus Tip:  Shred all aged documents that contain sensitive information.

Examine Your Financial Statements read more