As technology is ever-changing, Debit and Credit Card processors steadily monitor accounts for fraudulent charges. At the same time criminals are constantly finding ways to get private information from consumers. If you find that you have charges on your account that are fraudulent, follow the steps below to start the dispute. Block Your Card If you find […]
What may seem innocent could put you at risk for home invasion or identity theft. Is Your Birth-date Displayed? Identity thieves only need a few pieces of the puzzle to get into your online accounts. Do You Share Your Phone Number? Unsolicited scammers can get your phone number from social media. Are Your Vacation Pictures […]
Pay Your Bills On Time Each time a late payment is made, it affects your credit score. Pay Down Debt By paying off debt, you are increasing your debt to income ratio. Use Bill Pay Schedule your bills to be paid automatically from your account and never miss a payment again. You can also manually […]
Finding fraud on your account can be scary, but there are ways to prevent your accounts from being hacked. Keep Track Of Your Transactions If you receive mail statements, review them as soon as you receive them If you use online banking, you should check your accounts at least once a week The sooner you find fraudulent […]
Are you overpaying for monthly services? It’s time to schedule a Bill-Haggle Day. This is one day that you set aside to contact all of the companies that you pay monthly, quarterly, or yearly and negotiate your payments with them. You can even arrange a deal with your utility and electric company for a smaller monthly charge. Follow […]
1st Ed offers a variety of products and services to help you prepare for retirement. Learn how to make the most of this interesting and often exciting time of your life! Retirement Saving Consider one of our Traditional or Roth IRAs to help build your nest egg with guaranteed returns. We also offer excellent rates […]
Young members are the future of the credit union. When they learn to save early, those habits stick with them for a lifetime. There’s no better time than during the holidays to teach your children how to spend and save. When making a budget for your family include your children to create their own savings budget […]
Identity thieves have more access than ever to your personal information. They will go through garbage not only from your home, but from local businesses or the dump. They pretend to work for important companies such as your doctor’s office, medical insurance company, or the government and call or e-mail you to retrieve your personal […]
Unbury.us: A Tool To Help You Dig Out Of Debt One of the biggest psychological hurdles of being in debt is sorting it all out. It can be very easy to just see a pile of minimum monthly payments. You pay them like every other bill and forget about them. Your mortgage, your credit card, […]
Congratulations! Purchasing a home is an exciting experience. It’s also one of the largest financial commitments you’re likely to make. Whether you’re buying a new home, would like to refinance, or make home improvements, we can help you find an affordable solution. Consult our lending staff to discuss your needs. We’ll explain the options available: […]
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