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 ...

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...

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...

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 ...

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 s...

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 tip...

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...

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...

Some important things to consider when choosing a Credit Card! P To learn more about credit cards, visit our smartFINANCE program here for more information....

It’s confusing, Personal/Signature/Unsecured Loan, what does it mean?   The words Personal/Signature/Unsecured used when describing a particular loan type are all synonymous.  A personal loan is also commonly referred to as a “good fa...

Here are 10 common practices scammers keep in their arsenals to attempt to fool you and commit fraud. Faking an emergency. Scammers pretend to represent an official organization (like the IRS) and call, text or email members to demand immediate ...

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 w...

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 o...

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 r...

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 fraudste...

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 smar...

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 t...

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 troublin...

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 Credi...

P2P Payments At University Credit Union, we know you have choices when it comes to Person 2 Person payments (P2P).  Your University Credit Union allows for P2P payments from the following Apps: (University Credit Union Member to Memb...

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...

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 inte...

A free mobile App that puts you in control of your Debit Card.   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. Personall...