Question of the Day: What's With The New Login?
We have updated our online login security. In the age of id-theft and online security threats, CFCU must do everything possible to protect your financial information. In addition, the new "Forgot Password" feature will allow you to reset your own password when the branch office is closed.
Five tips to remember!
1). The new online login adds another security layer to your user id and password.
2). Anytime you login from a public computer, you will be challenged.
3). If you remember your “challenge questions,” you do not need to email the one-time password (OTP).
4). Mobile Banking will ONLY work if you have set up your challenge questions. The challenge questions can be set up (or changed) in User Options.
5). If you click on the “link” (to the right) that reads, "click here if you’re having problems," the system will bring up one of your challenge questions.
Let us know if you are having any questions at 800-826-3818.
-bam
Thursday, March 24, 2011
Monday, January 3, 2011
A New Year- A New YOU!
New Year's Resolutions seem to be a thing of the past (for me). So this year, I've decided to make a list of monthly goals for the upcoming year (some are more challenging than others). Both financial, and personal, I wanted a well-rounded list that was REALISTIC! I feel like if I make myself more well-rounded, you'll be a happier ME.
January- Make my dream a reality! I've always wanted to go back to school, and with a little motivation, encouragement, I'm making this dream come true! Little by little I plugged away at the logistics of it, and will start off my 2011 with a bang.
February- Max my 401K contributions. According to finance.yahoo.com, I should be saving 15% or more of my annual salary. I'm going to set my 401 K contributions to the highest that I can handle.
March- Reevaluate my budget. All of those shopping trips and trips to restaurants are never necessary. I need to see where my money is going, and cut back on extraneous spending. A great money budgeting tool is FinanceWorks- I can pull all of my financial information (from other institutions) into one useful tool. It will tell me how much I'm spending on housing, entertainment, utilities, and I can even set a budget too!
April-Spring Clean! Spring Cleaning is never fun, but almost every year, it's necessary. Get rid of useless things around the house- my motto is, if you haven't used it within the past 6 months, you probably won't use it in the upcoming 6 months. Donations to goodwill or the Salvation Army are tax deductible too! If you can't use it- someone else might be able to!
May- Live without plastic for 1 month. Sometimes plastic is necessary, but in May, I'm going to try and use a set amount of cash each week for day to day purchases. I feel like with the advancement of technology, money can just seem like an electronic number. Maybe if I physically see my money come in and go out of my pocket- I'll be less likely to spend it.
June- Better my community. In June, I'm going to challenge myself to volunteer for one weekend. With the stresses of everything else in my life- it will feel good to do something to better my community. This is something I've been wanting to do on a regular basis too, so why wait? (Just think, if each person would volunteer one evening every once in a while, how much better our communities would be?)
July- Potluck picnic. Spending time with family and friends is always so fun, but sometimes it can get rather expensive, especially when dining out. This month, I'd like to have a potluck picnic with friends. Each person brings one dish- and everyone shares. It sure does beat the expenses of a restaurant, and the food will taste so much better!
August- Take some ME time. I believe that each year, you should (no, scratch that) DESERVE to do something nice for yourself. Whether it's a massage, a day trip to a museum, or a weekend trip to visit a friend at the beach- we all deserve a little R&R. I'll make sure that my budget will allow for it, too!
September- Take a look back. Remember that reevaluation of my budget I planned to do back in March? I want to take a look at my statements, my spending, and see where I'm at, and if I can cut back anymore. (May could have been a good idea to spend in cash-maybe I could do it again?) Saving is a habit- and to break poor spending habits- I need to keep track of the good ones!
October- Negotiate a Christmas deal. The holidays always seem stressful. Holiday shopping can really add up. This year, I plan on talking with the family and setting a budget we all can compromise on. Those trinkets that are fun to get, aren't necessary, and they will more than likely feel the same way.
November- Do something new. (Weather permitting) I love to try new things and to experience what this world has to offer, and in November, I want to do at least one new thing. Whether it's to watch an old movie I've never seen, or try and cook a turducken. What better way to spend time with friends and family than to try something new!
December- Tax Deductions? December is a great month to look at your finances and see if you can make any additional tax deductions.
What are your resolutions for 2011? Are they financial or personal?
(Image from http://sroblog.com/2010/12/19/how-to-get-financially-fit-in-the-new-year-wsj-com/)
January- Make my dream a reality! I've always wanted to go back to school, and with a little motivation, encouragement, I'm making this dream come true! Little by little I plugged away at the logistics of it, and will start off my 2011 with a bang.
February- Max my 401K contributions. According to finance.yahoo.com, I should be saving 15% or more of my annual salary. I'm going to set my 401 K contributions to the highest that I can handle.March- Reevaluate my budget. All of those shopping trips and trips to restaurants are never necessary. I need to see where my money is going, and cut back on extraneous spending. A great money budgeting tool is FinanceWorks- I can pull all of my financial information (from other institutions) into one useful tool. It will tell me how much I'm spending on housing, entertainment, utilities, and I can even set a budget too!
April-Spring Clean! Spring Cleaning is never fun, but almost every year, it's necessary. Get rid of useless things around the house- my motto is, if you haven't used it within the past 6 months, you probably won't use it in the upcoming 6 months. Donations to goodwill or the Salvation Army are tax deductible too! If you can't use it- someone else might be able to!
May- Live without plastic for 1 month. Sometimes plastic is necessary, but in May, I'm going to try and use a set amount of cash each week for day to day purchases. I feel like with the advancement of technology, money can just seem like an electronic number. Maybe if I physically see my money come in and go out of my pocket- I'll be less likely to spend it.
June- Better my community. In June, I'm going to challenge myself to volunteer for one weekend. With the stresses of everything else in my life- it will feel good to do something to better my community. This is something I've been wanting to do on a regular basis too, so why wait? (Just think, if each person would volunteer one evening every once in a while, how much better our communities would be?)
July- Potluck picnic. Spending time with family and friends is always so fun, but sometimes it can get rather expensive, especially when dining out. This month, I'd like to have a potluck picnic with friends. Each person brings one dish- and everyone shares. It sure does beat the expenses of a restaurant, and the food will taste so much better!
August- Take some ME time. I believe that each year, you should (no, scratch that) DESERVE to do something nice for yourself. Whether it's a massage, a day trip to a museum, or a weekend trip to visit a friend at the beach- we all deserve a little R&R. I'll make sure that my budget will allow for it, too!
September- Take a look back. Remember that reevaluation of my budget I planned to do back in March? I want to take a look at my statements, my spending, and see where I'm at, and if I can cut back anymore. (May could have been a good idea to spend in cash-maybe I could do it again?) Saving is a habit- and to break poor spending habits- I need to keep track of the good ones!
October- Negotiate a Christmas deal. The holidays always seem stressful. Holiday shopping can really add up. This year, I plan on talking with the family and setting a budget we all can compromise on. Those trinkets that are fun to get, aren't necessary, and they will more than likely feel the same way.
November- Do something new. (Weather permitting) I love to try new things and to experience what this world has to offer, and in November, I want to do at least one new thing. Whether it's to watch an old movie I've never seen, or try and cook a turducken. What better way to spend time with friends and family than to try something new!
December- Tax Deductions? December is a great month to look at your finances and see if you can make any additional tax deductions.
What are your resolutions for 2011? Are they financial or personal?
(Image from http://sroblog.com/2010/12/19/how-to-get-financially-fit-in-the-new-year-wsj-com/)
Thursday, December 2, 2010
Deck The Halls…Not The Malls!!
Want to save money this holiday season? Don't forget to put Constellation on your list! Avoid getting bogged down in high rate/fee card debt. Credit cards actually increase the cost of your gifts when you pay interest rates up to 20% or more. Add extra for all the fees and penalties!
Your credit union has many products and services that help you save, when shopping for family and friends. We not only help keep the costs low, but also help you pay things down, hopefully, before the next season rolls around.
Your credit union has many products and services that help you save, when shopping for family and friends. We not only help keep the costs low, but also help you pay things down, hopefully, before the next season rolls around.
- Our Signature Loans are an all-time holiday favorite, starting at 6.99% APR , based on credit, with a fixed rate and payment.
- The VISA GIFT CARD is a great way to spend safely, lowering the risk for id theft or loss.
- Lighten the load and take charge with your VISA CREDIT CARD at only 9.99% APR or pay if off early with our 25-day grace period!
- Get a 1% rebate on all your holiday purchases by using your VISA CHECKCARD! The rebate does not appy to atm transactions.
- Treat yourself (or someone special) to ...A NEW CAR...with rates starting at 3.99% APR & terms up to 84 months!
- Set up a new 2011 Holiday Account for family and friends!
- Put your gift in the form of 'savings' for a child/grandchild with our ADON CDs with as little as $100!
- The Bill Pay Holiday Sweepstakes are back! Visit us, online, for details.
Happy Holidays from the CFCU Team!
Member Services,
1-800-826-3818
Sunday, October 17, 2010
Your Credit & Automatic Payments!
According to myfico.com, 35% of your credit score is attributed to paying on time. In order to take the worry and risk out of your credit record, you can utilize convenient automated payment methods. Payment options are available through our representatives or user-based, through online banking.
CFCU Auto-Pay Methods:
Payroll Biweekly Transfer
Monthly Annuity Transfer
Savings Transfer (5th & 10th)
Internet Banking/Scheduled (Savings) Transfer
Internet Banking/Bill Pay/Recurring Transfer
These tools enforce your individual budget goals. The Internet Banking tools come with email confirmation features. For those who have experienced extenuating circumstances, these tools work, in tandem, with your overall financial plan. They can assist you on your road to recovery. The overall goal is to rebuild your credit reputation. Your past is not your future. Your credit score is just a point in time.
What you don't know will cost you. For more information about what factors affect your credit, go to myfico.com. As a consumer, it is your right (and fiscal responsibility) to check information in your credit report annually. Visit annualcreditreport.com to obtain copies of reports from the three major bureaus. The best part is this - you are able to initiate online disputes and investigations through the bureaus.
To your financial success!
The Loan Department
CFCU Auto-Pay Methods:
Payroll Biweekly Transfer
Monthly Annuity Transfer
Savings Transfer (5th & 10th)
Internet Banking/Scheduled (Savings) Transfer
Internet Banking/Bill Pay/Recurring Transfer
These tools enforce your individual budget goals. The Internet Banking tools come with email confirmation features. For those who have experienced extenuating circumstances, these tools work, in tandem, with your overall financial plan. They can assist you on your road to recovery. The overall goal is to rebuild your credit reputation. Your past is not your future. Your credit score is just a point in time.
What you don't know will cost you. For more information about what factors affect your credit, go to myfico.com. As a consumer, it is your right (and fiscal responsibility) to check information in your credit report annually. Visit annualcreditreport.com to obtain copies of reports from the three major bureaus. The best part is this - you are able to initiate online disputes and investigations through the bureaus.
To your financial success!
The Loan Department
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