News & Notices

P2P platforms are super-convenient. But, P2P scams are rampant and varied. Plus, once money is transferred by P2P, it’s usually gone forever.

If you’re planning to buy a home this year, you won’t be dealing with typical circumstances. While the extreme market conditions characterizing the last two years are settling down, the market is still far from stable.

Smartphones bring a lot of convenience into our lives, but they carry an inherent security risk. Use the tips outlined here to keep your device safe from fraud.

Congrats – you’ve won an all-expense paid vacation to the Bahamas! It’s a dream come true! Or is it?

As you know, there’s always an app for that; whatever “that” is! Here’s our review of four of the most popular personal finance apps.

Holiday hosting can be super-stressful — and expensive. This year, with prices soaring, breaking that budget on hosting can seem like a sure thing. Lucky for you, it’s not. Here are six ways you can host a stress-free and awesome holiday meal without draining your wallet. 

A strong U.S. dollar has a major impact on all parts of the economy, but its exact ramifications can be confusing. Here are all your questions on a strong U.S. dollar–answered.

In August 2022, U.S. President Joe Biden announced his plan to cancel thousands of dollars in student loan debt for qualifying individuals. The plan officially went into effect on Sept. 29, 2022. Here’s what you need to know about Biden’s plan for student loan forgiveness.

You’ve got mail! And the good news keeps coming, because you’ve been preapproved for a large loan – maybe even a mortgage! Yes, you! It’s a dream come true – until it turns into a living nightmare. 

The U.S. economy entered a bear market on June 13, 2022. You may wonder what this means for the economy, as well as for private consumers and investors. Here’s what to know about bear markets and possible actions you may want to take.

Democracy is a privilege that’s upheld by the election process. But scammers are out to hijack this process and cause havoc throughout the election season. Here are three scams to watch out for this time of year.

With gas prices still rising nationwide, the pain at the pump is real. There isn’t much you can do about the price of gasoline, but there are ways you can pay less at the pump. Here are six ways to save on gas.

Digital kidnapping happens when a scammer takes control of a victim’s social media profile(s) and holds it/them for ransom.

Get ready for big savings on big-ticket items this September! Retailers want to bring the crowds back after the big back-to-school storm has passed, and to clear the shelves before the holiday season blows in.

Living a life of financial wellness means being happy with a lifestyle that’s within your means, but doesn’t leave you feeling like you’re lacking. At the same time, financial wellness means money choices are governed by discipline and not by emotion. So how do you strike a balance between the two?

It’s back-to-school season, but that doesn’t mean you need to break your budget. Here’s six back-to-school shopping hacks to get you started.

Scheduled Maintenance Notice For Debit Cards

Q: Should I buy an electric car to stave off soaring gas prices? A: An electric vehicle (EV) might be the right choice for many, but there are lots of variables to consider before making this decision. Here’s what to know about electric cars before going this route:

Ahh… summer! The season of flip-flops and sunscreen, of lemonade and baseball. What’s not to love?

Is it a good idea to use my credit card to pay for gas?

Celebrate with your grad and show them how proud you are of their accomplishments with these low-cost, awesome gifts!

It’s an amazing employment opportunity–or is it? Scammers often hijack the job market to ensnare job seekers. Here’s what to know about these scams.

The rising inflation rate, once determined to be transitory, now appears to be here to stay. To help control prices, the Federal Reserve (aka, “the Fed”) will probably increase interest rates this year.

Scammers are always dreaming up new ways to con people out of their money. Recently, they’ve figured out a “quick” way by hijacking QR codes. Here’s what to know about QR code scams and how to avoid them. 

We've continued our investment in technology features that make it easier for you to manage your accounts and communicate with us!

It’s time to file your tax return! Before you do, though, read through our list of last-minute tax tips. 

Winter is on its way out, so spring’s on its way in. That means it’s time to stop hibernating and get your home ready for the season! Here’s how to do that in just five easy steps

How does war impact the economy and how can I protect my money during wartime?

Big debt can be a big beast. One that takes huge bites out of your budget and destroys any chance you might have at strong financial wellness. Unfortunately, scammers know this, so they target victims with debt relief scams.

Black History Month provides Americans across the country with the opportunity to celebrate the rich history and culture of the Black American people. As a financial cooperative built on the twin values of community and kindness, we anticipate using this month to study Black American history and culture as it relates to finances, banks, and specifically, credit unions. 

Super Bowl parties are always great fun, but hosting costs can add up just like Jonathan Taylor piling on the rushing yards. So we’ve put together some hacks to help you pull off the party of a lifetime without breaking your budget. 

Now that you’ve tracked your spending and kept a careful record of where your money goes over the course of a month, you’re ready to move onto the next financial wellness step: creating a budget.

Everyone wants to do their best at work, but you can sometimes find yourself staring at the same to-do list day after day after day. 

It’s tax season, and that means millions of taxpayers are prone to scammers, who are trying to pocket refunds that aren’t theirs. Here’s what to know about tax return scams and how to avoid them. 

Tracking your spending is the first step toward greater financial awareness and overall financial health. But, mastering this skill is easier said than done. How can you track every dollar you spend when you make multiple daily purchases?

If you’re planning to switch jobs along with many during the so-called Great Resignation, it’s important to make sure your finances are in order first. That’s why we’ve outlined some important steps to take before leaving your job.

It’s tax time! Unfortunately, that means there are thousands of scammers looking to steal your information and your tax refund by posing as authentic tax preparers. Here’s all you need to know about these scams and how to keep safe.

The holidays may be over, but scammers never take a break. The weeks after the holiday season generally bring an increase in scams that can be difficult to spot. Watch out for these four common post-holiday scams.

Spend less, save more, pay down debt — how can you make 2022 the year you actually stick to these and other financial resolutions? To help answer that, we’ve compiled a list of tips. 

Here are six ways to keep your last-minute shopping stress-free and inexpensive. 

With the holiday shopping season heading into its final frenzied stretch, scammers are in full force, taking advantage of busy shoppers. Protect yourself, and your cards, from fraud with these safety measures and preventative tips

As 2021 draws to a close, take a moment to go through this year-end financial checklist to ensure your finances are in order before the start of the New Year.

Robocalls are the worst. Easily, one the most annoying inventions of the 21st century. Unfortunately, those phone calls can do a lot more than just disrupt dinner. Using sophisticated spoofing methods and dogged persistence, they can swindle unsuspecting targets out of hundreds or even thousands of dollars, using nothing but a phone. 

With shorter days approaching, bringing more hours of darkness along with them, it’s more important than ever to brush up on ATM safety.

Gee, it sure seems like I gotta take out a second mortgage just to fill up the gas tank and restock the pantry. Are these inflated prices a forever thing?

Black Friday has traditionally been the day that ignites the holiday shopping season, sending masses of crowds through retailers across the nation. Unfortunately, it’s also a day that spawns a season of shopping scams. 

Ready, set… charge! The holiday shopping season is here, and between inflated prices, the rising cost of gas, and the urge to splurge, it can be tough to stick to your budget. Here are eight-holiday shopping hacks to help keep your spending under control. 

Multifactor authentication (MFA) provides an extra layer of protection for your accounts and sensitive data. Here’s all you need to know about MFA, how it works and why it’s an important step in protecting your information. 

Cryptocurrency is one of the hottest investments on the market. It’s also a popular ruse topic for scammers. Here’s what you need to know about cryptocurrency scams. 

Skip-a-payment is a program that gives members a chance to skip a monthly loan or credit card payment, penalty-free, during a tight financial season. Most credit unions offer it during the holidays and during the summer months. 

That cackling witch might send your heart fluttering, but Halloween scams are even spookier! Here’s what to know about them:

Financing a new car will impact your monthly budget for the length of the loan. That’s why it’s important to weigh all relevant factors carefully before making your decision. 

Teaching your kids how to be financially independent will help smooth the transition into adulthood. It will also give them what they need to stay financially stable throughout life.

Everyone loves gift cards. It’s like getting money to spend however you please at your favorite retailers or restaurants! Unfortunately, scammers also love them, and for all the wrong reasons. Here’s what you need to know about gift card scams.

Getting rid of high debt takes hard work and willpower, but it’s doable. Here are six steps to help you start crushing debt today. 

Lottery scams are frequent go-to’s for scammers, and they cash in on numerous victims. Let’s take a look at lottery scams and how to avoid falling victim.

You give your abs a daily workout, but are you neglecting those money muscles? Here’s why being financially fit is super-important and how you can overcome common barriers to financial wellness.

In response to the rise of mobile banking scams, the Consumer Financial Protection Bureau (CFPB) has published new guidance on unauthorized electronic funds transfers, or EFTs.

The tail end of summer brings with it some fantastic finds, but some marked-up products, too. Here’s what to buy and what to skip in August. 

Whether you’re a college student prepping for the fall semester, a high school student getting ready for a new school year, or the parent of a student of any age, beware of these trending back-to-school scams!

Your auto loan will affect your monthly budget the whole time you have it, so do some research carefully before signing on the line. Here’s all you need to know about auto loans.

Don’t get scammed this summer! Follow these tips to stay safe. 

Ready to hit the open road? Before you do, check out our budget-friendly road trip tips so you can set out in style and without breaking your budget!

Q: I’m trying to stick to my budget and be financially strong, but prices at the grocery and the gas pump are killing my mojo! What gives; why the high prices? A: There are several factors causing prices to go up. Here’s what you’ll need to know about the sky-high prices that are dominating the post-pandemic economy.

Money’s on the way to millions of households, and that means scammers are not far behind!

Mask mandates are going away and restaurants are opening again. Finally, life is going back to normal! Here are some forward-thinking money moves to make as you adjust to post-pandemic life.

What do I need to know about the advance Child Tax Credits of 2021?

Have you ever struggled with separating needs from wants? Read on to learn how to tell the difference between these two spending categories.

For many young adults, a college degree is the key to a secure financial future. Unfortunately, though, scammers are offering fake diplomas and bogus degree programs to the unsuspecting college-bound crowd. Here’s what you need to know about college degree scams.

 Everything I’m reading and hearing about in financial news is investing in cryptocurrencies. Should I get in on it?

Congrats  — you did it! You’ve spent years studying for exams, keeping up with your coursework and writing papers. Finally, the finish line is within reach. You’re graduating!

Gotta have it now, but don’t have the cash? Why not buy now, and pay later? (BNPL). It’s the perfect way for you to walk away with that overpriced exercise bike even if your wallet is practically empty, right? Maybe. Or maybe not. Let’s take a look at these programs, how they work and what to be aware of before you sign up.

Bitten by the gotta-have-it bug? It could be a Peloton bike that’s caught your eye, or maybe you want to spring for a new entertainment system? Before you go ahead with the purchase, though, it’s wise to take a step back and follow these steps.

Scammers are always upping their game, and they’ve recently pulled out an old trick: the micro-deposit scam. Unfortunately, too many people have already fallen victim, and we don’t want anyone else getting caught in the trap. To that end, we’ve compiled this guide on micro-deposit scams, how they play out and what you can do if you’re targeted.

Your phone pings, alerting you to a new text. You swipe to find a message from the USPS. It tells you the scheduled delivery for your package has been changed and they want you to click on a link to confirm. Just one click, and it’ll be done.

Just because you no longer have to get yourself up at a certain time, dressed and out the door for work doesn’t mean you don’t have any stress.

Spring is here, and lawn-care scams are sprouting like mushrooms after rain. And unlike that brown spot in the grass, they’re not easy to see. Here’s what’s important to know about these scams and how to stay safe.

 How much does it really cost to have a dog? That ball of fur may be adorable, but having a dog doesn’t come cheap! Here’s a rundown of what buying and owning a dog can cost.

It’s stimulus season and tax season at the same time, and scammers couldn’t be happier. The IRS is warning of a surge in scams as the tax agency continues processing tax returns and distributing stimulus payments to eligible adults.

March 30 is National Virtual Vacation Day, and the past year has taught all of us that almost anything can be done virtually. You can attend a crucial client meeting, your best friend’s wedding and even take a college course over the screen — and you can even take a dream vacation!

For the green-thumbed homeowner, there are few things as pleasurable as running fingers through soft, moist earth, catching sight of the first flowering buds of spring and inhaling the scent of freshly cut grass.

Everyone admires Amazon’s scale, and scammers are no exception. Recently, they’ve been piggybacking on Amazon’s reach and name to pull off a scam that’s already taken in thousands of innocent victims.

Are you ready to make your finances sparkle? Here are six ways to spring clean your money matters:

Another phone call, another scam. It’s not just you, those robocalls just won’t stop! More than just an annoyance, scam calls cost 56 million Americans a financial loss in 2020.

It’s another stimulus bill, and that means more checks are a-comin'! But don’t hit the shops just yet. Although the new bill promises bigger stimulus checks, there are stricter eligibility requirements. And that’s just the tip of the iceberg that is this bill.

One of the many perks of advancing in years is scoring great deals on all kinds of purchases and expenses. Here are five places you may not already know about!

Everyone deserves to kick back and relax, but entertainment can get expensive. Here are some ways you can have your budget, and your fun, too.

It’s tax season, and the scammers are at it again! Beat them at their game by knowing what to look out for.

What began as an exhibit during an event marking the 50th anniversary of the Emancipation Proclamation, which ended slavery in the U.S., has, over the decades, grown into a month-long time of learning about Black Americans’ influence on our country.

With more and more older people becoming targets of scammers, the U.S. Department of Justice’s Office for Victims of Crime instituted the National Elder Abuse Fraud Hotline for people to report fraud against anyone age 60 or older.

There are so many ways to celebrate! We challenge you to do one thing for Black History Month on each of the 28 days of February. Here are 28 ideas to help get you started!

If you’re ready to start saving but you don’t know where to begin, Health Care Family can help. Let’s get started!

Another round of stimulus checks are already on their way. That’s great news for many. Unfortunately, the bad news is that another round of stimulus check scams are underway, too.

Don’t like getting needles stuck in your arm? No worries. You may not be getting that shot for a while. That’s due to a whole lot of rules and guidelines about who gets the vaccine first, and there’s nothing you can do to change that. The really bad news, though, is that those low-down scammers want to make you think otherwise. Yes, they’re back, and this time, they’re using news of the vaccines to get to you and your wallet. Here’s what you need to know:

This year in particular, many Americans are struggling to shed the “quarantine 15,” or the pounds packed on during those months when life happened mostly over Zoom.

What makes us overspend? Let’s take a look at five common reasons and how we can overcome them.

If you’re feeling grinchy this holiday season, nobody could blame you. Let’s look at some ways to help keep the cheer in the holidays, even during COVID-19.

Scammers famously exploit high-stress times, and the pre-holidays shopping frenzy is no exception. That’s why the BBB is warning of an uptick in holiday toy scams which can be difficult to spot.

What can be better for the hectic pre-holiday season than a set-it-and-forget-it dinner that everyone will love? Serve over instant brown rice for a complete meal.

The “Secret Sister” gift exchange seems like a fun way to spread cheer within the social media-verse, but it’s actually an illegal pyramid scheme, according to the U.S. Postal Inspection Service (USPIS).

The holidays will look different this year due to the COVID-19 pandemic, which is why most people will try harder to make the season brighter. But, you don’t have to dip into the kids’ college savings to create a special time!

Apple’s new line of iPhones features a sleek new look and innovative features to bring the smartphone’s functionality to a new level. The most prominent upgrade for the new line of iPhones — and the one Apple is pumping most — is 5G compatibility. Many consumers are jumping at the chance to upgrade their browser speed and assume 5G will be the default network of the future. If you’re only buying an iPhone 12 for the 5G compatibility, here’s why you may want to hold off

After four years of late-night cramming sessions, a grueling class schedule, too many term papers to count and lots of hard-core partying, the big day is finally within sight. Graduation!

The Better Business Bureau (BBB) is warning of an uptick in political fundraising scams seeking to collect donations allegedly going toward a candidate’s campaign or specific cause.

We are implementing upgrades to our Virtual Branch and Online Bill Payment systems.

Uh oh — you’ve been hacked! Luckily, there are ways to mitigate the damage and jumpstart your recovery process.

Being financially fit is crucial for a well-balanced, stress-free life. Here’s why (and how).

How to safely celebrate is a question frightening Halloween lovers all over the globe. But, with some precautions, Halloween can still be a frightfully fun day for the entire family. Here’s how:

Everyone loves a surprise package, and scammers are taking the excitement out of that experience by using bogus packages as a cover for a nefarious scam that tricks victims into sharing personal information.

With interest rates trending downward for many months, refinancing is all the rage — but it’s not always the best choice. Here are five bad reasons to refinance.

This creamy and delicious pasta will have everyone asking for seconds. Pair with a light salad for a complete, easy dinner.

Medicare offers affordable health care coverage to older Americans, but the application process can be confusing. We have answers to all your questions about Medicare.

Jury duty is a responsibility that enables courts to serve justice in a fair and efficient way. Unfortunately, it is often used as a cover for scams. Here’s all you need to know about jury duty scams.

Easy, cheap and delicious—what more could you ask for in a dinner recipe?

The coronavirus recession hasn’t been easy on anyone, but millennials may have been hit the hardest.

You’ve already gone for a follow-up interview and the position is as good as yours. The only obstacle to cross before joining the ranks of the officially employed is salary negotiation.

With more than 2 billion downloads around the world, TikTok is wildly popular. The short video app is hip, fun and addictive. But is it safe?

Join us for our first-ever virtual annual meeting.

You’ve likely caught the term “recession” thrown around on the news in the last several months. But, do you know the exact definition of a recession? How is it different from a depression? How long do recessions last?

Credit cards and debit cards offer incredible convenience; but, is it a smart idea to pay monthly bills with them?

Everyone loves a stash of cash — unless it’s fake. Unfortunately, there’s been a surge in the spread of counterfeit bills during the coronavirus pandemic. Bogus bills can be difficult to spot. Here are some signs to help you determined if it’s the real thing

There are several variations of the mobile payment app scam, most of which involve scammers hijacking the victim’s linked checking account or credit card and using it to pay for their own purchases.

This year, back-to-school season is all about getting ready for a school year that promises to be unlike any other.

Watch out for the IRS’s Dirty Dozen tax scams of 2020, which continue spreading for months after Tax Day. This year’s edition centers much on the COVID-19 pandemic.

The new school year is starting soon! Whether your kids are getting ready for another round of remote schooling via Zoom or they’re packing their backpacks with face coverings and hand sanitizer for in-person schooling COVID-style, there’s at least one app to help get the year off to a great start.

As you work on perfecting your resume and portfolio for the best shot at landing that post-college dream job, think about who you’ll list as your job references.

Got change? The latest commodity to run in short supply during COVID-19 is coins. Although we are increasingly becoming a cashless society, coins play an integral role in day-to-day commerce, and a decreased supply can severely impact small businesses that are already struggling. Here’s what you need to know about the most recent shortage caused by COVID-19.

Summer is here, and many Americans are itching for a vacation. Here’s how to enjoy your getaway this summer without compromising on your health.

Back-to-school season means a flurry of shopping — and scams. As you get ready for school, look out for these scams targeting college students and parents of private school students that tend to peak before the start of the school year.

Using emergency funds to survive prolonged unemployment, an unexpected large expense or a medical emergency is the best way to make it through a financial hardship. If your savings are depleted, though, it’s best to start rebuilding as soon as possible. Here’s how:

Are you ready to cook up something different for dinner? This Thai-themed entrée serves up chicken and rice with a real kick!

Enjoy the vacation feel while at home all summer long by turning your backyard into an oasis. From entertaining in style, to keeping the kids busy, we’ve got you covered!

With states making bold moves toward reopening after coronavirus lockdowns, as usual, scammers aren’t far behind.

This guide can help you choose the retirement account that suits your needs.

The FBI is warning of a rise in Bitcoin ransom scams in which scammers use scare tactics and extortion to squeeze money out of victims in the form of Bitcoin payments.

Astronomical medical bills can be devastating to any budget. Here’s how to dispute and pay for large medical bills in five easy steps.

Getting rid of debt isn’t easy, but if you’re ready to do what it takes, you can shake off any amount of debt.

With unemployment levels rising and many employers cutting work hours, lots of college grads are now struggling to meet their student loan payments. Thankfully, the federal government has passed legislation to ease this burden.

World Elder Abuse Awareness Day is June 15, 2020. On this day, older people, their family and caregivers around the world will recognize the risks of elder abuse and neglect while learning how to protect themselves and their loved ones.

Bring a taste of the Big Apple into your home this summer with this unique dish that blends two iconic street foods of New York.

Keyless entry is one of the most convenient features of newer cars. There’s no more fumbling for your keys when your arms are full of groceries or you’re toting a squirming toddler. Just press the “unlock” button to get inside and the “start” button to get the engine powered up, and your car will pick up the signals from your key fob.

Four million Americans are receiving their Economic Impact Payment in the form of a prepaid debit card — and many are mistaking it for junk mail.

Give your classic meatloaf a kid-friendly twist with this creative, budget-friendly recipe. For an extra touch, style the mashed potatoes on top to look like frosting!

As the economy reels from the impact of COVID-19, a record 22 million Americans have filed for unemployment insurance in the four weeks leading up to April 11.

The House of Representatives passed a $3 trillion stimulus bill on Friday, May 15, with a 208-199 vote.

How can I use a job loss as a stepping stone for growth?

As the ongoing coronavirus pandemic continues to disrupt life and cancel plans across the world, people are finding creative ways to celebrate.

Everything looks different now with the coronavirus pandemic raging, and Mother’s Day is no exception. You can’t take the family out for pizza or treat mom to a meal at her favorite restaurant, but you can still celebrate. Here are some ways you can make this day special for mom, no matter how far apart you may be.

When can I expect to get my stimulus check?

Lucky for you, you don’t need the gym or a jog around the block to keep fit. All you need is a list of household chores to tackle.  Let’s whip your muscles — and your house — into shape!

The stimulus checks promised in the Coronavirus Aid, Relief and Economic Security (CARES) Act are starting to land in checking accounts and mailboxes around the country. The $1,200 granted to most middle-class adults is a welcome relief during these financially trying times. Many recipients may be wondering: What is the best way to use this money?

This restaurant-worthy recipe uses just a few slices of bacon for all of the flavor at a lower cost.

With social distancing mandates in order until at least the end of April, and three out of every four Americans under statewide lockdown, huge parts of normal life have now moved into the virtual world.

Ah-choo! Allergy season is here, and my money is disappearing. Between the doctor’s visits and meds, I spend a fortune each spring. How can I beat my symptoms while keeping my budget intact?

Scammers often capitalize on fear, and the coronavirus outbreak is no exception.

With shelter-in-place restrictions imposed in many states, millions of cars are sitting motionless in garages and driveways across the country. While staying home is the best way to stay safe these days, it might not be the best thing for your car.

It isn’t easy to be holed up at home with only your family for company. As the parent, though, you have the unique opportunity to set the tone in your home and decide if these weeks will be a nightmare for everyone or filled with precious memory-making and family bonding activities.

This spring, don’t just clean your home. Make money off your junk by selling your unwanted stuff via online selling sites and apps...

On Friday, March 13, President Donald Trump announced he would be freezing student loan interest as part of a package of emergency executive actions designed to mitigate the economic fallout from the coronavirus outbreak.

These Asian-inspired nuggets will wow your family and have them begging for more. And, best of all, they take just six minutes to prepare. ‘Nuff said!

If you’re always wondering how you’re going to pay the next bill, feel guilty when you indulge in overpriced treats and you just can’t find money to put into savings, you might need a budget.

View the variety of alternate access methods available to HCFCU members.

Effective Friday, March 20th our branches will be open for Drive-Up services with our lobbies open by appointment only.

What steps should I be taking to protect my personal finances during the coronavirus outbreak?

You’ve never had a credit card and your credit history is non-existent. You're ready to build up my credit from scratch. Where do you start?

Making the transition from high school to college isn’t easy. Unfortunately, scammers are making it even more challenging. In fact, there’s recently been an uptick in fake check scams targeting new college students.

So, you’ve just started a new job and you were offered a pay card as an alternate option to direct deposit. Should you take it? You think to yourself it’s no different than a regular debit card, right? Think again. There are many differences when it comes to direct deposit vs pay cards and we have the scoop on both.

You've been involved in a car accident and wondering what to expect as far as your insurance rates. How big of an increase can you expect to see? The exact increase (if any) you’ll see in your monthly premiums following a car crash, varies by driver, insurance carrier and state. Here are the answers to all your questions regarding vehicle accidents and insurance rates.

Scammers use clever schemes to defraud millions of people every year. They often combine new technology with old tricks to get people to send money or give out personal information. Here are some practical tips to help you stay ahead.

As our world grows increasingly digitized, many consumers are banishing cash from their wallets and choosing other ways to pay.

Protect your online accounts by creating hard to hack passwords.

It may be a new year, but scammers are still looking for ways to con you out of your money. Experts are warning of a new scam that involves changing the date on important documents.

Check out these online and mobile banking tools! Make sure you’re getting the most out of your accounts with HCFCU.

Did you know about these specialized savings accounts? Being specific with your savings can make a difference!

Over the last century, society has made strides toward gender equality on every level, including basic money management. However, there are still significant differences in the way each gender relates to money. Being aware of these differences can help us better build our innate financial strengths.

We’re here to help you on your financial journey with the tools and resources you need to achieve your goals.

We’re here to help you get the most out of your credit union experience. That’s why we have started showcasing products and services that can help you take control of your financial future.

Free Application for Federal Student Aid (FAFSA) season is in full swing! Whether you’re a college student, a high school senior or you’re seeking financial aid for your child, it’s time to fill out those forms. We have answered all your questions on FAFSA.

Thank you for spending 2019 with us! Here’s to many more, Happy new year!

As winter settles in, it’s time to brush up on your disinfecting smarts. Harmful bacteria can lurk in places you’d never suspect, and knowing which places to be wary of can help you avoid getting sick this winter.

The new year is almost here. Are you ready? Usher in the new year with plans for financial improvement and resolutions to do more.

A hearty bowl of soup; perfect for those chilly winter nights!

This year’s holidays may soon be, or already are a memory, but the Santa shock is just beginning. Avoid it completely by thinking about paying for next year’s holidays now.

You don’t have to rack up a huge credit card bill or go into debt to cover your holiday expenses. Enjoy a financially stress-free season with these six tips:

Don’t spend your holidays sleeping in until noon and letting the time slip through your fingers with nothing to show for it.

Keep your home warm this winter without breaking the bank.

Scammers don’t take time out for the holidays, and if you don’t know what to expect you can be their next victim. One of the oldest Christmas-themed scams is the alleged letter from Santa.

Don't get scammed by "too good to be true" Cyber Monday deals.

It’s the bargain hunter's favorite season-or is it? Before you brave the crowds this Black Friday, take a few minutes to read through our list of what to buy and what to skip so you come home only with true bargains.

Thanksgiving prep stressing you out? Wondering how you’re going to get everything done in time for the big day and stick to your budget at the same time?

We have answers to all your questions about Credit Karma.

Our service members past and present are the true heroes of our nation. U.S. veterans selflessly served our country, spending months or years away from home, undergoing grueling training and often putting their lives at risk, just to keep us safe. It’s time to say thank you!

Did you know the average American household carries $6,358 in credit card debt?

This delicious recipe will become an instant family favorite!

The Big Bend branch will be closed from 10:00 AM until 1:00 PM on Tuesday, September 24th to allow our staff to attend the memorial service for Nikki Deptula. The St. Peters branch will remain open.

Did you know you should be timing your shopping throughout the week? Each weekday brings its own special deals and savings. Read on for the ultimate cheat sheet for your weekly shopping. 

You’ve organized your debt, you’ve set up an emergency fund and you’re working on spending less. You’re now ready to start getting rid of that debt…for good!

Does making my monthly bill payments count toward my credit score? 

Health Care Family Credit Union has been working to upgrade our debit cards to chip-enhanced technology. The wait is nearly over!

It’s hard to believe, but 2019 is half over. Take a timeout from barbecues and beaches to give yourself a mid-year financial checkup. Use the seven steps below to guide you.

As a member of Health Care Family Credit Union, you are uniquely positioned to manage your finances and watch your money grow, all with the best possible terms. Let’s take a quick look at some of the benefits you can enjoy as a member of Health Care Family Credit Union. 

You might think you’ve got a handle on your finances, but it’s likely you’re falling for at least one of these money myths!

An Asian-inspired dish that’s super-easy on the cook and will have everyone begging for seconds!

Did you make financial goals for 2019? What kind of progress are you making toward them? June is the perfect month for a financial check-up and Health Care Family Credit Union has the tools and knowledge to help you get it done.

Most people don’t know that many teachers pay out of pocket to help supply students with much need school supplies. Join us in supporting the St. Peters and Fort Zumwalt elementary school district by donating to their school supply drive.

As a college student living away from home, perhaps for the first time in your life, you’re in charge of all your dietary needs. No one’s stocking the fridge and pantry with your favorite snacks, or whipping up your best dinner each night. If you want to eat, you’ve got to plan.

Does your checking account really fit your needs?  Let’s find out.

Heading out of town for vacation? Whatever your plans, here’s a list of things to take care of before you leave. 

Riiiing! You race for the landline, but the caller has already hung up—after just one ring. How rude! You thumb through the Caller ID, poised to give your mysterious caller a ring back when you note the strange area code. Should you, or shouldn’t you, make this call? 

As a member of Health Care Family Credit Union, you know credit unions are always striving to serve their members and community in much as possible. We value each member’s input as an equal owner in the credit union, and we offer flexible loan terms, low-cost accounts and higher dividends to help members achieve and maintain financial wellness. 

Creamy pasta for just a few dollars in less time than it takes to order dinner in!

As summer begins and flowers blossom everywhere, you might be dreaming about a garden of your own. But shopping for your garden-to-be can be daunting. There’s so much to buy—and it’s all so expensive! Can you really afford to have the garden of your dreams?

8 SIDE HUSTLES ANYONE CAN DO

What does your home smell like?

Need tips on how to save on this year's vacation? Check out our tips!

You may be feeling impatient to start more aggressively paying down debt, but it’s important to first create an emergency fund.

Whether you live in the bitter cold of the Northeast or the extreme desert heat, outdoor gardening can be a logistical nightmare. But pulling some of the outdoors into your home with houseplants can reap numerous health benefits and add to your home décor

Shopping for a car doesn’t have to be complicated. To help you out, we’ve created a list of key features to consider in your new car, and a list of features you can skip.

Vacations are important for your physical and mental wellbeing, and you may be planning the perfect summer vacation. But how are you going to get around the price tag on your getaway?

Since 1971, Memorial Day has been celebrated as an extended weekend away from work and the unofficial start of summer.

Congrats—you’re ready to purchase your first real car!  The process can be daunting, but Health Care Family Credit Union will walk you through it. Follow our guidelines for a stress-free ride! 

If the majority of your outstanding debt is credit card debt, you may be spending hundreds of dollars just on interest alone.

This chicken serves up a fresh burst of flavor with a side of wow!

If you’re thinking of selling your home, think spring. That’s because the season of blossoming flowers and gentle breezes has traditionally held the designation as the best time of year to sell a home.

We are happy to announce the dates for 2019's annual Shred Week!

Opening your first credit card is one of the rites of passage into genuine adulthood, but with so much conflicting information, it can all get confusing fast! 

Thanks to P2P payment services, like Venmo and Zelle, you can easily transfer funds to someone with just a few swipes on your phone.

Peer-to-peer (P2P) payment systems are forever changing the way we handle our money and our social finances.

Build your job security and never worry about facing unemployment again!

The best way to teach a child financial responsibility is by encouraging her to earn and manage her own money. As the weather warms and summer nears, there are many ways for your kids to pull in extra cash. 

Scammers will try anything to fool college students into parting with their money. Don’t get hooked! Here’s what you need to know about three popular student loan scams.

Dollar stores can be spending traps, but they can also be a great way to snag bargains. It’s all in how you plan.  Read on to learn how to get the best deal at the dollar store.

We love helping organizations in our communities, and Weekend on Wheels is one of our favorites! They say that about 40% of the student population within the Maplewood Richmond Heights school district qualify for free or reduced-price lunches.

Need help explaining peer pressure? Check out our article.

Pierogies and bacon and cheese and tomatoes; need we say more?

Single parenting brings unique budgeting challenges.

The spring is the perfect time to start planning your vacation! Before you start booking flights, here are a few tips to ensure you have a great vacation!

Crowdfunding platforms like GoFundMe, Kickstarter and IndieGoGo are packed with eager entrepreneurs and desperately needy individuals alike. 

You read that right! You can now text message our Member Service Team.

It’s your first spring break and you’re totally psyched! But that doesn’t mean you need to break the bank. Have yourself an awesome time without blowing your budget by following these five spring break tips. 

They are many accounts out there that allow you to grow your savings. But, which account is right for you?

Renter’s insurance provides coverage against financial responsibility and liability in the event of an accident, theft or natural disaster. Premiums are fairly cheap and the payoff can be tremendous. 

An annual meeting is a gathering of credit union staff, Board of Directors and members.

The average American wedding cost has eclipsed $35,000. That’s more than half the yearly median income! Most of this growth in cost comes from the guest list. Couples are inviting more people and doing more for them. 

The IRS is cautioning taxpayers to be extra careful this tax season due to a 60% increase in email phishing scams over the past year.

It’s the time of year when the blues hit the hardest. And while many people turn to costly escapes, you can get the same results without spending a penny. Let Health Care Family Credit Union show you how to de-stress for less and send that down mood packing! 

“Spoofing” refers to a website that claims to be a certain type of business or charity, when it is really a fictitious business that’s out to gain a victim’s credit card number or personal information.

According to the most recent estimates, the average cost of raising a child in the US is $241, 080. Since a lot of the costs are built into the rest of your spending (e.g.: food) we’ll focus on costs that apply just to the kids.

It may seem like a no-brainer, because the foods we eat in the morning are usually simple, on-the-go fare, while the evening meal is a more relaxed...

We all start out in life as consummate takers. Can you train your children to find the beauty in giving and doing for others? 

 Do I need to have a separate rainy day fund and emergency fund? 

If you’re in the market for your first apartment, you may be feeling a little lost—and somewhat overwhelmed. 

Short of winning the lottery or landing a Wall Street-sized bonus, can you end up with more money every month (to save or to spend) without giving up the small luxuries that make life so much more enjoyable?

Bringing back this Martha Stewart-inspired pasta this weekend. With just one pot to wash, it’s a no-brainer!

If you’re looking for ways to earn extra cash, look no further than your computer screen. With internet access and a modest time investment, you can give your budget the extra padding it needs. 

The mad holiday rush may be over, but scammers aren’t slowing down. Protect yourself from these five common scams that happen this time of year.

I’ve had some trouble with credit in the past, but I’m trying to turn over a new leaf. I think I’m doing everything right, but my credit score still isn’t rising! What gives?

Have the irresponsible financial decisions you’ve made while in your 20s left you with piles of debt and other repercussions? 

You see the phrase “free checking” and think to yourself, “So what? Every bank has free checking”. On the contrary, that is not at all true. Most banks charge fees as a way of generating income and most of those fees come from checking accounts.

Friends are a huge part of college life. Most students actually spend close to 90 hours a week with their friends – compared to just 15 hours in class!

Get more exercise. Lose weight. Quit smoking. These are the bold boasts of New Year’s resolutions. Folks commit themselves to radically changing their lives at the start of the calendar year. About 45% of people make New Year’s resolutions in the average year, and most have to do with health.

Dining out with family and friends is a wonderful experience, but it can take a huge bite out of your budget. No worries—we’re not going to try convincing you to give up your favorite fast food restaurant. Instead, use our hacks to trim your bill when dining out. 

It isn’t easy for a child to hear a “no” when they want something, but it can be even harder for parents to say. 

Holiday season is also scam season, so be alert! Watch for phishing emails stealing your info, fake charities taking your money and porch pirates pilfering your packages. Beware job offers that use fake websites to steal your info, and bogus sites and fake freebies offering something for nothing … except your identity!

Here are 10 ways online retailers push us to overspend

Feed your inner child with these awesome, fun-to-eat chicken fingers!

These tips can help you boost your credit score.

You may not think you’re addicted to your phone, but they are created to keep us completely absorbed and captivated. In fact, the average American adult checks their phone every 12 minutes and spends more than 4 hours on their phone daily.  Prepare to regain control of your life!

Keep your home warm and safe this winter by following our comprehensive to-do list before the real cold sets in.

My landline is rarely used and I’d love to save some money. Should I lose my landline? 

Here at Health Care Family Credit Union, we believe in supporting the community and helping local businesses flourish. Join us in our important goal by shopping local on Small Business Saturday and throughout the holiday season. 

Black Friday and Cyber Monday can be fun – but they can also put you at risk. Here are 5 scams to look out for as you brave the frenzied crowds while trying to snag the best deals after Thanksgiving.

Are your health insurance premiums making you sick? Let’s explore another health care option that’s growing in popularity, but you may not be familiar with: health share programs.

Whodunnit? When we’re talking about credit card fraud, everyone’s pointing fingers at everyone else. Consumers tend to blame the credit card issuer, but the vulnerability usually lies with the point-of-sale terminal.

The holidays are here! Let us help you get the most out of your holiday season!

Project 333 is a wardrobe challenge that has been slimming down closets around the world since 2010. Participants boast about a smoother morning routine, lots of extra time, an increased sense of happiness and loads of money saved, all thanks to Project 333. Are you up for the challenge?

To our kids, school might mean endless classes and piles of homework and tests. But for adults, advancing our education often means a higher salary.

Not sure what you’ll gain by budgeting? Here’s a list of the benefits.

With your mind so muddled with details like classes, exams and papers, who has time to think about food? You might be heading into the new semester with plans to subsist solely on convenience food and packaged junk. We’re looking at you, ramen noodles!

Finally, it's Fall! For a limited time we are offering special interest rates on credit cards.

Blackmail and extortion are some of the oldest tricks in the book — because they work. That’s why a fresh wave of these scams hit the internet last month, ensnaring dozens of victims. Here’s what you need to know about these scams.

Here’s when that steal of a deal is not such a bargain after all. 

A compromised computer can put you at risk for money loss, phishing scams or even complete identity theft. Read on for steps you can take to keep yourself safe online.

Shake up the old-hat spaghetti and meatballs with this French-inspired twist!

When the lines between needs and wants are blurred, curbing our spending becomes an impossible task. Teach your children this crucial tool and empower them for life. 

Pack a lunch and save some money!

Health Care Family Credit Union Money Market accounts offer convenient features with an attractive rate of return to help your money grow. You’ll earn a handsome return on your money without the risk of the stock market or the restrictiveness of a Share Certificate account.  

You might be a person who does very well with your money. Your money management skills are serving you well. On the other hand, you might have some concern about your spending habits. Maybe you are an over spender.

On June 13, the Federal Funds Target rate was increased for the second time in 2018. The rate increase was prompted by optimistic feelings about the general state of the economy. In addition, inflation rates are close to the Fed’s target goal, while unemployment rates have dropped to 3.8%. 

As a college student with dozens of courses to attend, papers to write and tests to cram for, your brain needs to be in full gear at all times.

The months leading up to the purchase of a new home are super-busy. There’s so much to do! While you’re tending to everything on your list, be careful not to let your guard down. A recent uptick in mortgage fraud means house-hunters need to be extra vigilant. 

Carve out a few hours this weekend to give your entire closet a thorough cleaning.

Refinancing your mortgage can have a big impact on your finances. That’s why it’s important to consider all angles before deciding if a pre-retirement refinance is right for you.

Have you been looking for a safe way to invest some of your hard-earned cash? We've recreated a couple of our traditional accounts to offer Investment Club members a better way to save!

You don’t have to be a genuine Coupon Queen to save money on groceries. Teach your kids how to shop the sales and use coupons in the best way possible.   

Gas-pump skimming is an old crime making a comeback, and your card may be at risk. Since skimmer devices are almost invisible, they can be difficult to spot. And Bluetooth technology lets the scammer remotely obtain the info it collects from as far as 100 yards away.

Always remember that the most important factor in using money wisely is not how much money you make, but how you manage your spending! Here are ten rules that can help you achieve financial success.

You’re convinced: You really want that Coach handbag. Or maybe you just know that gigantic entertainment center will transform your weekends. So you swipe your card and the dream item becomes yours. You’re thrilled!

Hopefully, you’re working hard to keep a high credit score by using your cards and paying on time. You may be wondering, though, if more is better. Is several credit cards and more available credit a good idea? Or, are too many cards a liability to your score? 

Knowing how to successfully balance your checkbook is an important component of sound person money management. Balancing your checkbook gives you more control over your day-to-day finances and can help you reduce or eliminate overdraft fees, Non-sufficient (NSF) fees or reduce unnecessary spending.

We know you’re super-busy at college. Your schedule is packed, and in between coursework, attending classes, holding down a part-time job and having some sort of social life, you also have to remember to call home every once in a while.

What’s the best way to pay for a home renovation? You have several choices when it comes to funding a home renovation. Let’s first take a look at some common choices and the disadvantages that may not make them the best option. 

Save big this season with our handy list of back-to-school shopping hacks! 

Who wants to be tangled up in technicalities during the months and weeks before a wedding?

You're credit's trending the wrong way and you're desperate for a loan. Unfortunately, though, it seems that no reputable institution is willing to work with you - and the few that are offer very unforgiving terms. 

Ready to make waves without sinking your budget? Here's eight simple steps to save up for the boat of your dreams. 

Students aren't the only ones who'll need to pull out the pens, paper and calculators for the back-to-school season. Parents who want to keep back-to-school spending under control should consider doing the same.

Chasing after that elusive higher standard is a lifelong struggle. Give your kids the tools they need to fight this urge while they're still young. 

Text messaging has come under attack as one of the most vulnerable mediums for identity theft and more. Here's what you need to know about an SMS message-based scam called "smishing.”

Summer is almost over, but there's still time to take advantage of special pricing on Six Flags St. Louis tickets!

You don't need to skimp on the wedding of your dreams or go deeply into debt to pay for it. By planning ahead, choosing wisely and prioritizing what's truly important, you can say "I Do”  without stressing over wedding costs.

If you find yourself thinking any of the following, it's time to give your money attitude a shakeup!

How do you pay for your purchases? It may be instinct for you to pull out any piece of plastic without thinking, but your random card of choice might not be the safest way to pay. 

Many people think they have a great credit card. They automatically assume that the card they've been offered is the best one available to them. This isn't always the case.

How about something different for tonight's dinner that's still easy on the budget?

Between astronomical tuition bills, piles of textbooks to purchase, foods costs and supplies, being a college student is definitely not cheap.

You probably already know water is the best beverage choice for your health and for your money. But did you know bottled water may be costing you a fortune? 

You're busy. So does it really make sense to have to go to one site to check out your car loan, another to pay your mortgage and yet another to see your checking account? No. My Money Manager has done something about it.

Refinancing your home can be a smart move, as long as you take all the factors into consideration.

It's easy to overlook the importance of reviewing your finances periodically. Are you getting the best deal you can on financial services?

Going on and planning for a vacation isn't supposed to be stressful, but it certainly can be. Especially if you don't plan ahead.

Whether you use a modest charcoal grill or an upscale Weber, we've got your BBQ success covered! Here's 13 genius grilling hacks that will take your 'cue to the next level. 

Impulse purchases can wreak havoc on the most carefully constructed budgets. By teaching your kids how to recognize them, you will be giving them the tools for overcoming that overpowering impulse to buy, buy, buy.

A kitchen remodel or makeover not only adds value to your home, it will almost feel like you've got a new home. Here's 4 ways to bring your dream kitchen to life. 

Tech support scams are some of the most nefarious forms of hacks.

Keeping up with all your classes, reports and exams is no simple feat. And while we can't make your classes easier, we can help lighten your workload with this awesome list of online resources for college students. Take advantage of all the internet has to offer!

You don't have to spend thousands upon thousands of dollars and travel hundreds or thousands of miles to have a great vacation.

Everyone has their own version of a dream vacation. But, for most of us, it never becomes a reality. Read on for six ways to make that dream vacation come true.

You've finally got a day off from work! Here's how to enjoy the day without draining your wallet!

Over the last few years, social media scams have exploded, with fake Twitter and Facebook profiles increasing by 100% in just one year. That also means there are several types of social media scams, most which involve a phishing scheme component.

Your primary reason for attending college is to jumpstart your career, of course. But, did you know there are many other things you can do now to help secure your future?

I've had a financial emergency and I don't know how to pay for it! What are my options? 

If you're desperate to own a home of your own, you are likely saving up until you have 20% of your dream home's total value. 

In case you weren't able to make our seminar on buying a car - here's a recap of everything we covered!

Bad habits are a lot more than just a drag on your health and time - they can also put a serious strain on your budget. Here's some average expenses of habits that may be impacting your finances.

RISING INTEREST RATES Interest rates have been steadily increasing over the last year. So, if you're thinking of taking out a large loan in the near future, you might be waiting until those rates start going down again.  Here's why that might not be the best idea.

Weekends on Wheels Food Drive Recap

May is Nurses Month and we want to give one lucky nurse a day of pampering! Enter for a chance to win a spa package from The Face & The Body Spa. The package includes: European spa facial, Swedish massage and spa manicure & pedicure.

When that first delightful spring breeze starts blowing, you know it's time to get your house in shape. But there's more than just a neat house awaiting the end of all that hard work. With just a few steps, you can put some extra cash in your wallet. 

Medicare is replacing its old cards with new ones. They contain an 11-digit code instead of a Social Security number. Unfortunately, even though the cards have not yet been issued, scammers are taking advantage of this change.

If you're looking to sell your home and start over elsewhere, you likely want that sale to happen as quickly as possible. Read on for 12 tricks to sell your home fast!

Join us for an event to help you through your next car purchase! We'll talk about determining how much car you can afford, how to deal with dealerships, buying used, warranty options, financial and insurance options.

Give your kids a clear understanding of why saving is crucial to financial wellness and how to make it happen.

Nothing beats the excitement and novelty of your very first real job. With your long-awaited degree in hand, the world is at your fingertips! You can do it all - and you will. But first, you need to land that perfect job. For that to happen, you'll need to get through an interview looking poised, polished and professional.

Fun Games that Teach Kids About Money!

The money envelope system is a simple, proven and powerful way to keep spending in check.

You're not alone. Many Americans are dissatisfied with their banks, and are looking to make a switch.

Money is personal. We all have our own ideas of how we think about it, spend it, save it and try to earn it. But, when you're sharing so much of your life with a partner, it's inevitable that your individual approaches toward money will sometimes clash.

Four Ways to Teach Your Kids About Saving Money

Forget Summer Loan Payments!

Youth Savings Contest

The Science of Saving

7 Things to do Before Asking for A Raise.

Home equity loans can be a valuable borrowing tool for homeowners. Health Care Family Credit Union offers two different types of home equity loans, home equity lines of credit and closed end home equity loans.

Beware of Business Scams!

Laptop/Notebook Reviews

What To Look For When Buying New Appliances

What should you actually do with your tax return?

Asian Inspired Slow Cooker Chicken

What were the exact changes made to the U.S. tax code this year?

Knowing how to create and stick to a realistic budget is the foundation of successfully managing your money. Let your kids learn the secrets of budgeting at an early age.

DO ANY OF YOUR GADGETS BRING YOU MORE GRIEF THAN CONVENIENCE?

What comes to mind when you think about predatory lending?

4 INCREDIBLE FACTS IN HONOR OF BLACK HISTORY MONTH

We all know that having at least a basic budget or spending plan is important to keep our financial affairs in order. But what if you've gotten away from it? What steps should you take to get back on track and identify any spending leaks?

BEWARE OF INTEL PATCH SCAMS

It's that time of year again! Get ready to break out the calculator and pencils; dig out the enormous pile of receipts, tax forms and pay stubs, and get to work.

Exercises That Improve Your Focus

If you've ever had a large unexpected bill you can probably attest to one of two things; you were glad that you had an emergency fund to cover the expense or you struggled to cover the rest of your monthly expenses as a result of the unexpected.

Move over, breakfast! It's waffles, bacon and eggs for dinner!

There are all kinds of club savings accounts out there. Have you ever had one? For those who use them, they serve a great purpose. These accounts allow you to save towards a specific goal and keep the funds separate from your other savings.

One of the most fundamental financial lessons your kids are going to have to learn is about how you work for your money.

Did you know it's possible to clone a phone? It involves copying the identity of one phone to another. In fact, in today's digital world, when we use them for everything from ordering an Uber to paying for purchases, mobile phones can be a major source of security breaches.

On Jan. 22, amid much hype Amazon threw open the doors of its revolutionary cashierless store.

Payroll deductions make saving easy by making it automatic. Payroll deduction certificates of deposit add the benefit of a higher dividend rate.

We're giving one lucky saver a $100 Visa gift card! Find out how you could win.

The way we access our money is constantly changing. We've gone from having to visit physical locations for nearly every transaction to barely needing to visit a branch... ever... Are you taking advantage of all the online and mobile services Health Care Family Credit Union has to offer? Here's a list of online and mobile services you should start using to save time and money!

We all have our list of goals for the new year - but we usually overreach and under-deliver. That's why so many of us pen the same exact resolutions year after year...

If you're - finally! - in the middle of your last year at college, you likely spend lots of time thinking about that first, after-college job.

Buying a house is one of the biggest decisions you will ever make, and there are common mistakes that many first-time homeowners regret making. Here's how you can avoid them.

A complete dinner in just 15 minutes - and it's delicious too!

Winter brings cozy fires, happy holidays and fun sports like ice skating and skiing. Sometimes, though, winter brings other, less welcome things. With sunshine being scarce, many people get the winter blues.

Did you set financial goals for yourself or family for 2018? What are they? If saving money is one of your goals, you need to know about payroll deduction! The concept is very simple, but the results, when utilized correctly, add up quickly.

My Money Manager is more than just online transaction tracking software. It allows you to paint a complete picture of your finances.

January is the ideal time to set a new financial goal. Encourage your children to make a goal or two of their own with this fun activity.

For a large purchase, such as a home or a car, having that preapproval in hand before you start shopping is crucial. A preapproval is a written letter from a lender specifying how large of a loan you will be eligible for. The letter will also detail your estimated interest rate on the loan.

A major price is a given for every major purchase - or is it? If you time your buys right, you'll save a ton. Here are the best things to buy during each month of the year!

The new year will have many people examining the state of their financial affairs and wondering if they could do anything to improve their status. This examination can often cause stress about the amount of debt your are carrying. How can you end the cycle of minimum payments and never-ending credit card debt?

Early in their careers, people tend to focus on the here and now while ignoring the future. As you climb the ladder of success, you might think raises and promotions will never end and that you have forever to plan for the future. Surprisingly, though, the future comes faster than you can imagine.

The magic date has come and gone again. Millions of people make resolutions of change every new year. We're here to help you keep your financial resolutions.

What kind of resolutions did you make for the new year? For some, resolutions are lifestyle related like, eat healthier, exercise more or drink less. For others, financial resolutions are the top goals for the new year.

We know that stress impacts our health in various ways, but did you know the brain is also physically affected by stress?

I'm in the market for a new home, and everyone I talk to, from friends to financial advisors, suggests I get preapproved for a mortgage before I start hunting. Why is this so important?

You've got a lot on your plate this holiday season. Those decorations don't hang themselves and gifts don't buy themselves (yet). Why not give yourself one less thing to worry about?

Sure, a Turkey is typically the star of Thanksgiving dinner, but side dishes are where things get interesting! Here are our top 5 favorite sides plus a recipe for each one.

There's always been an aura of mystique surrounding the Apple company. From their legendary launches to the throngs of people camping outside stores for a new product release, Apple is a master at marketing

Thanksgiving means giving thanks for all the good in our lives. It also means stuffed turkey and gravy, cranberry pie and mashed potatoes. It's a time-honored tradition of spending time enjoying a delectable holiday meal while in the company of those we love. It can also mean spending an awful lot of money.

Now through November 14th you can help support the less fortunate in our community by donating a new or gently used coat to the Warners' Warm-up coat drive

I love taking up new interests, but between specialized equipment and gear, training and membership fees, every hobby I'm considering costs a lot more than I can afford! Is there any way for me to enjoy my downtime without spending a bundle?

With the holiday season fast approaching, college students across the country are thinking about their trips home. Whether you choose to go home for Thanksgiving or Christmas - or both - if that trip means hopping on a plane, you're looking at some big expenses.

Our annual Member Appreciation Day is coming soon!

If you've recently been rejected from a credit application of any kind, you may be looking at a poor credit score for any number of reasons. You might have been late with your credit card payments, have an outstanding judgment against you or have even been frauded or victimized by identity theft.

Repairing your credit can be an uphill battle. You're looking at months of hard work, negotiating with creditors, reworking your budget and identifying the factors that are making your credit score lag. In short, it's a hassle and it takes lots of time.

My workplace has recently announced it will no longer issue regular paychecks. Instead, it's offering employees a choice of receiving their wages via direct deposit or pay cards. What are they primary differences between these options and which is the better choice?

The long-anticipated day has finally come and gone. Your kids looked sharp and neat sporting spiffy backpacks and dressed in their sparkling new back-to-school clothing. You watched them board that bus and waved them off from your perch at the bus stop.

As we continue to learn more about data breaches, the trend seems to be that they get larger in scale each time they happen. Even if your private information hasn't been compromised, you should know what to do if it is.

Somewhere deep inside, we all know that money cannot buy happiness. Many people overspend and rack up thousands of dollars in credit card debt to live a lifestyle they believe will make them happy, only to discover they are living beyond their means.

Like it or not the holiday season is approaching quickly. Yes, it does seem like it just happened... But soon, we'll all be heading towards the malls, department stores, or our favorite online retailer to find the perfect gifts for friends and family.

Labor Day car sales are coming. Dealers will be looking to clear inventory before summer ends. Make sure you're prepared to get the best deal!

This past year has seen some of the worst cyberattacks in history. From the WannaCry attack in May to the Petya attack in June, thousands of people have lost thousands of dollars and valuable data to criminals using ransomware.

Financial setbacks come in all shapes and sizes. It can be an expensive household repair or major car trouble. It may be an increase in your insurance plus a rent hike taking effect at the same time. Or, it can be something more extreme, like getting a pay cut at work - or event being given a pink slip.

Monday marks the day of a rare celestial event - a total solar eclipse. The digital connectivity of our society has built this event to a massive scale. It will undoubtedly be a fantastic sight, but besides the shadow of the moon what else will the eclipse bring to town?

It seems like everyone is talking about the stock market hitting an all-time high of 22,000. What does that mean, in real-world terms? Is that a good thing?

So, why is it important for high school students to have their own account? Part of high school is growing up. Part of growing up is figuring out how to handle money. Almost everyone makes mistakes with money, it's pretty much inevitable. It's better to make those mistakes at a young age and learn how to prevent them going forward.

It's National S'mores Day! Could there possibly be a better food holiday? These are our favorite s'mores recipes

we've all heard it before: Close the vents in rooms you don't use, regularly replace you AC filters and vacuum the coils on your fridge. But what if you're following all the conventional energy-saving tips and your summertime electricity bill is still astronomical?

According to the National Retail Federation's annual survey, some parents will spend almost $670 to get one child ready for school this year (bankrate.com). And most school district's classes are starting in the next two weeks. Last minute panic spending could get you close to that $670. Don't worry; we've got you covered for back-to-school shopping tips!

Scammers contacting St. Louis Residents - We have recently become aware of scam emails claiming to be from the Federal Reserve Bank of St. Louis instructing recipients to use international wire transfers to pay a processing fee and, in return, receive pending inheritance or compensation.

Finding a product that doesn't bear a foreign label is a nearly impossible task. After all, when manufacturers can find labor and materials overseas for a fraction of the price, why would they bother building factories on American shores?

Scammers never take a break! Just when you think they've run out of steam, another scam surfaces in which fraudsters try to quietly take both your money and information.

Some people learn how to manage their personal finances while they are still in high school, some when they begin their first job, some when they're 30 and some never do. Get your students a head start on learning about personal finance. Learning the basics now can help them avoid financial pitfalls in the future.

On paper, unlimited data seems like a great deal. You can use your smartphone as much as you want and you'll never be charged for overages. Something about the word "unlimited" makes the plan seem more valuable.

Q: Summer puts a strain on my budget because of extra expenses! I've been looking for a way to get through it without racking up a huge credit card bill. I'm considering skip-a-payment. What do I need to know?

Scammers don't take summer off, in fact, some scams ramp up during the summer, particularly those geared toward vacations or travel.

The ocean is calling - and so is the open road. Your dream vacation awaits! But first, you need to work out the

Health Care Family Credit Union is proud to announce the winners of our annual scholarship contest. We are happy to be able to assist these students as they work towards degrees in higher education.

Unless you've been living under a rock, you've seen them practically everywhere. The small plastic gadgets don't do much, but they've completely overtaken the toy industry.

Nominate a nurse! Every year the March of Dimes honors nurses who set a standard of superb patient care. Their passion for care is second to none. Now is the time for nominations. Make sure your co-workers are recognized.

May is Nurses Month and we want to celebrate! To go along with our Spa Package we are also hosting a Nurse Appreciation Day! Come into either of our branches for snacks and a chance to win a prize!

Whether you're a regular news junkie or you rely on your better half to keep you updated on the latest, you'll get the same conflicting messages about the state of today's economy. One day you'll hear about rising wages, and the next day you'll read about the lagging growth in the GDP, or Gross Domestic Product.

Do you want to win a $100 Visa gift card? Who doesn't right? All you have to do to enter is enroll in My Money Manager.

We are happy to announce the dates for our annual shred event! Health Care Family Credit Union is committed to giving you a secure option for the disposal of your sensitive documents.

Have you ever wondered about the real differences between your savings and checking accounts? Many people realize there must be more to it than just the fact that one includes checks and the other does not. However, they just don't know what those differences are. So let's look at some of the technical differences that define each account type.

Who doesn't dream of becoming an instant millionaire? You might even have some detailed plans for how you'd spend an unexpected windfall if it were to happen. Imagine if a distant relative who'd been rolling in the stuff suddenly passed on and left you as their sole heir. Your dreams could now become a reality! Wouldn't you do anything to make that happen?

Managing money is a foundational life skill. There are so many factors involved and so many open-ended questions at play. How much should you be saving? When is it worth spending more? How do you keep spare change from burning a hole in your pocket? It takes years of discipline and training to perfect this skill, and ongoing self-control to maintain it.

Just in time for summer! Complete a home equity loan or line of credit and Health Care Family Credit Union will cover your appraisal fee!

Credit Union Youth Month is underway! We want to help encourage positive savings habits. We'll be giving away one pair of Six Flags St. Louis season passes to a lucky youth saver!

Smartphones have become a ubiquitous part of our lives. Even if it's just there in case of emergencies, having a charged cellphone can provide a serious sense of security. That's why, when the battery meter starts to tick down, a cold sense of panic rises in your stomach.

On Saturday, March 11th The Lupus Foundation of Amercia, Heartland Chapter held their annual gala, The Purple Ball. Health Care Family Credit Union has been a supporter of the event and foundation for the past four years.

Our Home Buyer's Seminar has grown into a can't miss event! Our team and our mortgage partner, First Integrity Mortgage Services, will be on hand sharing all of our insights on the home purchase process.

We want to help you have the best summer ever! Refinance your current auto loan with Health Care Family Credit Union and we'll make your first payment* and give you up to 90 days of deferred payments. *Click here for full details

Temperatures are rising, days are getting longer and kids are dying to get out of the classroom! This can only mean one thing: Summer is just around the bend. It's time to start planning trips, summer camps, and summer jobs.

Tax season is a confusing time. In the midst of a paperwork blizzard, it seems that everyone needs triplicate copies of every document. It's not unusual for someone to lose a copy of an important document and need it to be re-issued. Of course, everyone's busy enough that no one wants to double check.

According to a new report by a leading wedding magazine, The Knot, the average American wedding cost has eclipsed $35,000. That's more than half of the yearly median income!

The question has been debated for what seems like forever. What should you actually do with your tax return? Like most things in the financial spectrum there isn't really a black and white answer to this question. It largely depends on your specific financial situation. However, here are a few good ways to use that tax refund.

Our newest addition to our online banking service, My Money Manager, is live now! Check out this powerful new financial management software by logging into Virtual Branch!

Investors can quickly get a bad taste in their mouths after researching a company they're considering. Fortunately, there are a number of ways investors can use their money for good.

How To Respond To "Can You Hear Me?" "Can you hear me know?" is the once-popular tagline of Verizon commercials, but it's also the headline of a new scam. Scammers making robocalls will ask some innocuous question. Once the targeted person says "yes," a recording is made of the response and it is used to sign up the target for unwanted, expensive services. It's a scheme that's been targeted at businesses before, but it has now shifted targeting to individual consumers across the country.

If there's one lesson in investing, it's that time in the market matters. The longer you leave your capital alone, the more it can grow. If past growth rates continue, the time you leave your savings alone is more important than how much you save.

Q: Tax forms have started rolling in and my mailbox looks like a can of alphabet soup exploded in it! What do I need and where do I start?

"Any sufficiently advanced technology is indistinguishable from magic," wrote noted science fiction Arthur C. Clarke. Our computer technology is certainly advanced enough that, to many, it looks like magic. As a result, the kind of wizardry that those with technical savvy can perform can be simply baffling.

Health Care Family Credit Union is happy to announce a new online banking tool. It's called "My Money Manager."

Our branches are closing at 12:00 PM today, January 13th. Please watch our website for further updates.

Gas, electric, water and cable are not purchases you regularly think about. At best, they get a moment's thought as you write a check for them once a month. Maybe the even auto-pay, and you only look at the bill when you review your statement.

What do you do when you're hit with an unexpected bill? Do you have money set aside should something come up? According to gobankingrates.com, 69% of Americans have less than $1,000 in savings. Why is that important? Having money set aside for emergencies will help you avoid extending your debt.

Your old computer finally gave out. Now its time for a new one, but they're so expensive... How can you save money and make sure you still get what you need?

What kind of resolution did you make for the new year? For some, resolutions are lifestyle related like, eat healthier, exercise more or drink less. For others, financial resolutions are the top goals for the new year.

It's so easy to go overboard on Christmas. If you have kids, you want everything to be perfect for hem. You want to build priceless memories, so spending any amount seems worth it. If you're just getting started, you want to impress your family with how together you have things. Giving extravagant gifts to your family members seems like a great idea... until you're staring at a huge credit card bill in January.

We've all been there at one point or another... We kept thinking we needed to get our holiday shopping done, but kept putting it off. We are all busy, right? We've got enough going on. Here's how you can escape last minute shopping woes and rock your holiday gifts.

The New Year is a great time of renewal. That makes it a good time to make bold, decisive changes in your life. Leave behind the baggage that was 2016 and start fresh with a blank slate in 2017. If you're looking for some resolutions to improve your personal finances, we're pleased to offer seven ways to make 2017 the year of the dollar!

It's my turn to host my family for the holidays. How can I entertain the crowd without spending a fortune?

Children's Miracle Network (CMN) Hospitals has launched a nationwide "Vote for Miracles" campaign celebrating the 20th anniversary of the Credit Unions for Kids program.

Did you know credit unions loaned member businesses $11.4 billion in the first half of 2016? (Well, now you do.) Credit unions and small businesses fit together like a hand in a glove.

You've got a lot on your plate this holiday season. Those decorations don't hang themselves and gifts don't buy themselves (yet).

Halloween is a really fun holiday, but don't overlook safety. Here are some tips to keep kids safe while trick or treating.Halloween is one of the most exciting holidays there is. When else do your neighbors wait for you to knock on their door and hand out candy?

Wondering if it will be your last day on the job every day is emotionally taxing. Trying to be productive, let alone happy, with the constant threat of job loss is an impossibility. On the other hand, security in a position can do wonders for your morale.

We know you love your pet or pets, just like we do! Help us celebrate pets. As part of our sponsorship of Pet-A-Palooza this year we are having a special contest for pet owners!

Some people learn how to manage their personal finances while they are still in high school, some when they being their first job, some when they're 30 and some never do. Get your students a head start on learning about personal finance. Learning the basics now can help them avoid financial pitfalls in the future.

Pet-A-Palooza is an event that celebrates everything pets! Special contest for pet owners!

Missouri's tax free weekend is coming up August 5th through August 7th. We are giving all Health Care Family Credit Union Credit Card holders a special interest rate for the weekend only!

Brexit has led many investors to panic and sell off stocks, but smart investors can ride out the storm with a few savvy moves. In uncertain times, people tend to look for the safest possible investment, and one of the safest is in real estate. The time has never been better for people looking to buy a home, either for investment or as living space.

Planning ahead for a college is not just a matter of getting good grades and accumulating a list of extracurricular activities and awards. It's also a process of understanding how to pay for tuition and living expenses during the college years, which often extends beyond the typical four-year period and sometimes also includes graduate school.

Memorial Day isn't entirely a somber occasion. It's a time to reflect on the sacrifices made by fighting men and women, but it's also a time to enjoy the beauty and grandeur of the country they defend. The sun is shining, the skies are clear and there's no better way to celebrate America than by enjoying our personal freedoms on beautiful rivers and lakes.

When we think of ransom, we typically think of a black-and-white movie with a kidnapper leaving notes made from a variety of newspaper cuttings. Today, ransom is much less melodramatic, much more common and targets something you might not expect: your computer files.

2016 is the third year of Health Care Family Credit Union's scholarship program. We couldn't be happier with the applications we received.

Telephone credit card scams occur more often than not and HCFCU wants you to be prepared.

A new wave of online scams has popped up claiming that your credit card is one week overdue. Read what it's about and what steps you should take if you've been affected.

In these scams, a caller claims that the victim is delinquent in a payday loan and must repay the loan to avoid legal consequences. Read more here.

Download our spring 2014 newsletter here.