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Money Matters Blog

Monday, December 31, 2012

Our New Year’s Resolutions – For You

It’s the time of year when people make resolutions on how they can improve their lives, their health, their finances or their overall happiness.

At Community Financial Credit Union, we wanted to share our resolutions to serve our members in 2013.

We resolve to:
-         -       Provide the best service possible: It is our goal to improve the service we provide our members every single day.  If there are ways in which we can improve, please let us know!
-       Invest in local communities: Without our local communities, we wouldn’t exist.  By continuing to invest in building strong communities, we are building a more stable and brighter future for everyone.
-       Educate students: Financial literacy must begin at a young age.  We will continue to work with local schools to bring first-hand financial education into the classroom.
-       Provide low rates on loans for cars, homes and everything else:  Our loan rates have always been among the lowest available.  We will continue to make lending easier for the major purchases in your life.
-       Make your accounts more accessible: From eBanking to mobile apps and text messaging, we are always looking for ways to help you take your accounts with you – wherever you are.
-       Help support small businesses: Small businesses are the backbone of our economy and  we will continue  to lend to keep them strong.  We will help support local businesses get their doors open and grow.
-       Keep our members informed: Our job is to give our members the best advice possible for building a better financial future.  Through emails, newsletters, blogs, social media and other avenues, we pledge to share information with you so you can make the best decisions.
-       Be a strong community credit union: We will always work to be a financially strong community credit union.  Through boom economies or sluggish ones, we will be right here, right for you.

Happy New Year!

Monday, December 24, 2012

‘Twas the Night Before Christmas at Community Financial

‘Twas the Night Before Christmas
And all through CFCU
Not a teller was stirring
Even in the drive-thru

The money was all locked up
In the bank-vault with care
For helping our members save
Is why we are there.

Our team members were nestled
All snug in their beds
While visions of helping others
Danced in their heads

The branch managers slept
In their blankets of down
Content and a-dreaming
of the joy in their town!

It’s been a great year here
Two Thousand and Twelve
We’ve accomplished a lot
Not unlike Santa’s Elves

We’ve warmed Hearts and Homes
O’er this Holiday Season
‘Cause just helping others
Is a pretty good reason!

O’er social media support we did draw
As we donated cash to food pantries, and THAW
And we proved our commitment was stronger than steel
When we added some warm Coats for Kids to the deal!

Our hearts - full of Giving
We’re so full of Pride.
It makes us so happy!
Can’t hold it inside!

It’s all due to our members
Our CFCU clan
They’re just like our family,
Down to the last man.

Membership open to all that
Work or live in in our region
That’s a whole lot of people,
In fact - it’s a legion!

For Car Loans! For Home Loans!
If they need an assist-
We’ll be there for our members
To Fulfill their next wish!

For low down payment options!
For the first time home applicator!
We’re here with the options,
To help make them our neighbor!

Banking here is so easy,
By text, branch, or cell phone
Should they have a question
‘Bout their Savings or Loans!

And we remember the children!
We teach them how to save
It’s a valuable gift
They’ll have all of their days.

Our members- they’re happy!
Satisfaction- Substantial!
It’s something we strive for
At Community Financial.

No matter what makes you merry,
No matter the reason--
We hope that you enjoy
The whole Yuletide season.

Happy Holidays from your friends at CFCU!

Monday, December 10, 2012

Tips for Holiday Shopping on a Budget

According to the National Retail Federation, the average consumer spent $423 over the “Black Friday” weekend this year, which was followed up by a record 129.2 million people making purchases online on Cyber Monday.

All of that spending can lead to a suddenly tight holiday shopping budget, but here are tips to make it last and to make sure everyone on your list is taken care of. 

Create a list ahead of time: Lists aren’t just for Santa Claus. A simple but detailed list of who you’re buying for, how much you want to spend and what gifts you’re planning to buy will help you stay on track, and resist the urge to overspend.

Come prepared: With so much information at your fingertips on the web, it’s a good idea to research deals at your favorite stores and to shop around before you hit the malls. Have a plan and do your research, and you’ll come out of the stores with spare time, and extra cash, in your pocket.

Save money on the little things: Take advantage of offers such as free giftwrapping and free shipping so that your extra funds can go toward gifts or to local charities. You can also save money by re-using supplies from the previous year such as  gift bags you may have  saved from past year.

Use a prepaid card to avoid overspending: With so many tempting deals, it can be difficult to avoid overspending. That’s why it makes sense to bring debit cards instead of credit cards, or prepaid Visa® cards, which are offered at Community Financial. You don’t want to be stuck paying interest months down the line for impulse purchases.

Consider a Holiday Loan from Community Financial: If you think you’ll need a little extra money this holiday season, consider a Holiday Loan from Community Financial (LINK). The loan offers rates as low as 4.74% APR* and could give you up to a $3,000 credit to use for shopping, entertaining, travel or more.

By following some simple steps, you won’t find yourself in a cash crunch this season, or paying for  the holidays well into 2013.

Sources for this article include: