Having the perfect night out doesn’t mean you need to break the budget. Visit our blog for seven ideas for thrifty Valentine’s Day plans.
…we’re all human.
Being human means we’re all bound to make a mistake or two when it comes to making credit decisions. Here are 5 of the most common credit card mistakes. See how many you’ve evaded.
Applying for every credit card under the sun (and being approved). Having a little buying power is great, but too much power can lead to a mountain of available credit and plenty of potential to begin mounting debt. This looks risky to a lender. Stick with one or two and be sure they’re the best card you can carry.
Misplacing your magnifying glass—you really do need to read the fine print. Within that tiny print lies the answer to whether you’ll be paying more to have that credit card in your wallet and how long. Do your homework–there are plenty of companies out there with annual fees, short introductory rate periods, difficult repayment terms, fees to transfer balances and more.
How does your card rate? Low, we hope. When applying for a credit card, you probably didn’t opt to be tied for life to its balance. Not shopping for the best rate can mean paying down a balance for much longer than you might realize. Save yourself some time, money and stress and search for the best rate you can get. The lower the rate, the faster the balance will be paid off.
Don’t listen to mom—less isn’t always more. When it comes to paying off high-interest credit cards, making the minimum payments may seem innocent enough, but it leads to bloated balances. To keep balances low and easy to maintain, don’t charge more than you can pay off within a month or two and be sure to make more than the minimum payment. Your future self will thank you.
Fashionably late or just bad credit karma?
Planning. It’s singlehandedly the best thing you can do for your budget. But does your financial outlook include a plan for an unexpected job loss?
√Take Sarah lunch at school.
√Change batteries in remote.
√Pick up kitty litter.
Mail Chad cash for uniforms.
Feeling a bit stressed? Our lives are packed full of random tasks and things we have to remember each day so our days can run a little more smoothly. While we can’t take little Sarah her forgotten lunch (we wish we could!), we can lend a hand in sending Chad the cash for this season’s football uniform.
Let us help you simplify your day with our easy and convenient Online Banking and Bill Pay services.
With just a little info and a few simple clicks, you can mail payments to a person or business, make bill payments, check balances, monitor savings goals, transfer from one account to another and much more.
Save yourself the stamp and time by enrolling today! It’s just the thing to relieve a little of the financial worries we tend to pile on ourselves day in and day out. All you need is a membership and checking account at MembersFirst and a computer, tablet or mobile phone.
Plus, get helpful step-by-step-instructions for scheduling payments, setting up eBill, making transfers and setting up bill pay alerts. See how simple it is to take online banking to a new level of convenience with online bill pay.
Not a member? That’s ok. Become a member today by opening a membership share account with a minimum deposit of $25 and a valid government issued identification card. Click here to join or by clicking the Join Today! button below.
Questions before you join? Give us a call at 404-978-0080 or stop by one of our branch locations. We’d love to hear from you and begin the process of simplifying your financial life.
The answer is simple–credit unions are owned by their members (those with an account at the credit union) and banks are typically controlled by stock- or shareholders. Additionally, decisions are made on the local level with credit unions by a board of directors with one purpose in mind–to simplify the financial lives of our members.
The most common misperception of credit unions is that we’re all about credit–credit cards and loans–and, while we do offer those products, we’re less about pushing products and more about pushing the philosophy of “people helping people”. We understand that, while banking is important, it shouldn’t be the most time-consuming, stressful part of your day. Instead, we believe our products and services should, in fact, add value and help you afford life. In a time when just about everything can be done digitally, our aim is to not only keep up with the technological advances of the banking world, but to remain personable and approachable. Our members do have member numbers, but they also have names and stories, hopes and dreams, just like each one of our employees.
Since 1953, MembersFirst Credit Union has existed to serve. By making sound credit decisions and listening to our members, we’ve built a credit union which stands well-capitalized and able to cater to the needs of our Sponsor Groups, their family members and the communities in which we’re located.
If you’re looking to make the switch for a better financial outlook, look to us, MembersFirst Credit Union: Your finances. Your credit union. Your life…simplified.