tag:blogger.com,1999:blog-33922336404966846782024-03-14T02:55:27.871-07:00WalletWing$Helping our members soar to new heights financially! US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.comBlogger24125tag:blogger.com,1999:blog-3392233640496684678.post-76647541089278025582017-09-07T16:12:00.001-07:002017-09-07T16:13:24.052-07:005 Reasons Why You Should Join A Credit Union<h2>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-weight: normal;">Without further ado, here are 5 reasons why you (and everyone you know) should join a credit union (specifically, U.S. Eagle). </span></h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Keep Your Money Local</span></h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Yep, keep your money in New Mexico. The majority of credit
unions are local. U.S. Eagle was founded in 1935 in a federal building located
in downtown Albuquerque. 82 years and nine branches later, we’re still local
and, we still have a branch downtown - see our sign atop the tallest building in New Mexico! </span><span style="font-family: "arial" , "helvetica" , sans-serif;"> We aren't going anywhere, in fact, we are so close to one billion in assets, we can taste it. </span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Not-For-Profit, Financial Cooperative</span></h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Breakdown: Credit unions use funds to pursue our mission and
keep the lights on. Our mission is to improve the financial well-being of each
members and the community we serve through trusted relationships. Our members
are our owners! </span><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "arial" , "helvetica" , sans-serif;">Your voice is heard and
your vote counts. Attend our Annual Meeting on the first Wednesday in May to
learn more about your credit union.</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Community Service </span></h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">If you follow us on social media or read our newsletter, you
know we are big on community. Check out our <a href="https://useaglefcu.blogspot.com/2017/08/us-eagle-in-community.html" target="_blank">blog from August</a> and see what we’ve
been up to around town. Since most credit unions are local, we do our best to
invest in our community. Whether it be through the financial support of a local
baseball team, volunteering at a food drive, or hosting a bake sale – we do our
best to ensure the success of our community. </span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">No question is a dumb question. We want our members to
succeed and one way we ensure their success is through our personalized service.
</span><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span><span style="font-family: "arial" , "helvetica" , sans-serif;">You will notice a different experience
when you set foot inside a credit union. Our staff greets you warmly when you
enter a branch, members can grab some coffee before speaking with their favorite
teller, and receive assistance with confidence.</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Favorable Rates, Low Fees</span></h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">You got that right – our rates are favorable, after all, we
distribute our profits back to our members through higher returns and lower
fees. The fees we do have can be waved with qualifying products. Fees that are
charged, are returned back to our members! </span></div>
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-66854036235891225102017-08-04T09:57:00.002-07:002017-08-14T09:12:42.929-07:00U.S. Eagle in the Community <h3>
<span style="font-family: "arial" , "helvetica" , sans-serif;">Giving back to the community is one way U.S. Eagle exhibits the credit union difference. We do our best to emulate the credit union philosophy of "People Helping People". </span></h3>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Here are our community service initiatives for the month of August:</span><br />
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;">Packaging Food: Every other week, employees from different branches and departments head to <a href="http://www.rgfp.org/" target="_blank">Rio Grande Food Project</a> to help package food for those who may not know where their next meal will come from. Rio Grande Food Project provides food and emergency support to working families, seniors, and people in need. Our employees spend their morning packaging beans, veggies, rice, and more for those in need. </span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;">Popcorn Sales: U.S. Eagle sells popcorn throughout the year with proceeds benefiting a local nonprofit organization. This month, members and nonmembers can purchase popcorn from our tellers for $2.50 with all proceeds going to the <a href="http://www.alz.org/newmexico/" target="_blank">Alzheimer's Association</a> New Mexico Chapter. Popcorn flavors include cheese, green chile cheese, cherry, green apple, and caramel. Treat your sweet tooth all for a good cause!</span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;">School Supply Drive: Access to books, backpacks or the materials needed to learn is a challenge for New Mexican children and their families. U.S. Eagle is dedicated to helping those in need and are again hosting an in-branch school supply drive. In all our branches, members and non members can donate school-related goods or cash to helps students at La Luz Elementary and El Camino Real in Albuquerque, <a href="http://www.sfps.info/teaching_learning/student_wellness/s_f_p_s_adelante_program" target="_blank">Adelante</a> in Santa Fe, and Farmington Public Schools. These donations will go directly to the students in need.</span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;">Blue Star Mothers Supply Drive: U.S. Eagle supports <a href="http://rgvnmbsm.org/" target="_blank">Rio Grande Valley Blue Star Mothers</a> by hosting supply drives at our branches. Drives collect much needed supplies to send to our troops overseas. Supplies include: toothbrushes, shaving cream, packaged snacks, and of course, green chile! Make a soldier's day, drop off some supplies at any of our branches.</span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;">Meals on Wheels: Every week, a pair of U.S. Eagle employees come together to deliver meals to residents around Albuquerque. They meet at the <a href="https://www.mow-nm.org/" target="_blank">Meals on Wheels</a> headquarters, pick up warm meals, and hit the road to ensure the meals are delivered. Our employees knock on the door and provide a delicious meal to someone in need. Recipients are thankful and look forward to seeing a friendly face. Meals on Wheels of Albuquerque is the only home delivered meal program in our area supporting special diets. They provide service to anyone of any age. </span></li>
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<li><span style="font-family: "arial" , "helvetica" , sans-serif;">Casa Esperanza: Twice a month, U.S. Eagle employees come together to plan, purchase food, and prepare a meal for residents at <a href="http://casanm.org/" target="_blank">Casa Esperanza</a>. Employees meet at Casa Esperanza, cook, and mingle with residents as residents enjoy a home-cooked meal. Casa Esperanza provides appropriate housing and emotional support for patients and their families who are temporarily residing in Albuquerque while the patient receives treatment. A delicious meal and friendly conversation could be just what someone needs while enduring a difficult season. </span></li>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">These are just a few examples of what your credit union does to help our community. When you buy a bag of green apple popcorn, donate a can of hatch green chile, provide colored pencils, or make a monetary donation, you're helping someone else in our community.Thank you to everyone who make these opportunities for us to help, possible. </span></h3>
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-6203696265372508002017-07-06T14:30:00.002-07:002017-07-06T14:32:47.469-07:005 Habits To Help You Live Frugally<h3>
<span style="font-family: "arial" , "helvetica" , sans-serif;">Check out these 5 tips sure to help you live frugally. How many of these habits do you practice?</span></h3>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">1. Coupons</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Remember when you were a kid and your Mom would drag you to
the grocery store? She’d pull out a big book of papers and sort through them at
the register. I would always wonder how much my mom would actually save by
using coupons. The notorious “coupon book” actually is a great way to save
money. Digital coupons may be a bit handier and greener, but cutting coupons
can definitely help you save money during your weekly grocery shopping trip.
Check your mail, newspaper, or the internet for coupons that could help you
save hundreds annually. Also, make sure you shop around. Some places will price
match with what you find in flyers or even online. Groupon also offers some
really affordable deals for family fun! <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">2. E<span style="text-indent: -0.25in;">mergency Funds</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">If you follow along with our blog, you know we are big
advocates of emergency savings. I know I sound like a broken record, but experts
recommend saving six months’ worth of expenses. You never know what life will
throw at you, and you want to be prepared for when it happens. Utilize
automated payments, and have funds transferred to your savings account. <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">3. Buy in Bulk</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Buy your groceries in bulk. Head to the nearest Costco or
Sam’s Club and purchase your household needs and groceries at a lower price per
item than you would at your grocer. If the cost is too much to buy in bulk,
split it with a family member or friend. <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">4. Clean Sweep</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Simplify your life. Do a clean sweep of your closet, attic, storage
unit, or shed and have a garage sale. Take your gently used clothing to a
thrift store and make some extra cash to add to your savings or for a fun night
out with the family. Websites like <a href="https://glyde.com/" target="_blank">Glyde</a> are great for selling your old
electronics that you no longer use! <a href="https://poshmark.com/" target="_blank">Poshmark</a> is also a great app to sell gently
used clothing.<o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">5. <span style="text-indent: -24px;">Limit Eating Out</span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">You never really know how much you spend eating out or
purchasing Starbucks until you start adding up the transactions. For one month,
record every time you eat out. You will probably be shocked at the total. Once
you pick your jaw up from off of the floor and realize that this is fixable,
you can start limiting the amount of times you eat out. Save money by simply bringing
lunch to work, brewing coffee at home, or passing up a soft drink and ordering water
at your next trip to a restaurant. <o:p></o:p></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">For more information on how to take control of your
financial wellness, speak with a financial counselor through <a href="https://useaglefcu.balancepro.org/" target="_blank">Balance</a>. A
financial counselor will help you avoid or resolve financial distress and
establish personal financial control. </span></h3>
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-21988775226540820592017-06-01T16:15:00.001-07:002017-06-20T15:24:21.281-07:005 Tips for Managing Your Credit Card<h3>
<span style="font-family: "arial" , "helvetica" , sans-serif;">Time to talk credit cards. How well do you understand how credit cards work? Check out these 5 helpful tips sure to help you achieve credit card success.</span></h3>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">1. Make your payments on time – pay off your balance</span></h4>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Always, always make your credit card payment on time, or
even better – pay off your balance in full. If you miss a credit card payment,
you’ll be hit with a late fee, and you’ll receive a nice ding to your credit
score which could even result in a higher interest rate. Not good. If you tend
to be on the forgetful side, use the automated payment feature. Your requested dollar
amount will be withdrawn automatically from your bank account before the due
date. No one is perfect – if you forget to make your payment, call your credit
card company and see if they'll work with you. The worst could happen is they’ll say, “No”.</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">If you can afford to pay over the minimum – do it. Even if </span><span style="font-family: "arial" , "helvetica" , sans-serif;">it’s just ten dollars. This will decrease your credit card utilization. Try not
to maintain a balance over 30% of your credit card maximum and never max out
your credit card, it could damage your credit score. While you’re holding that
new pair of Nikes in the store, ask yourself, “Do I really need a third pair of
Nikes?” Probably not. Before making a purchase on your credit card, make sure
you determine if it is a want or a need.</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">If you’ve been making your payments on time and maintaining
a low balance, request for a higher limit on your credit card. A higher limit
will boost your available credit, resulting in lower utilization.</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Initially, understanding your credit score could be a little
bit tricky. It’s important to check your credit score at least once a year. You
can check your credit score for free and without penalty on <a href="https://www.creditkarma.com/" target="_blank">Credit Karma</a>. U.S.
Eagle members also have access to Balance - free financial counseling to review debt management
and credit scores. Click <a href="https://useaglefcu.balancepro.org/resources/articles/credit-union-programs-credit-report-review/" target="_blank">here</a> to learn more.</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">5. Shop for a low rate</span></h4>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Make sure you do your research and find a credit card with a low rate. </span><span style="font-family: "arial" , "helvetica" , sans-serif;">U.S. Eagle has a </span><a href="https://useaglefcu.org/products/credit-card.php" style="font-family: arial, helvetica, sans-serif;" target="_blank">credit card</a><span style="font-family: "arial" , "helvetica" , sans-serif;"> suite with rates as low as 6.9%! </span><span style="font-family: "arial" , "helvetica" , sans-serif;">And, don't forget about rewards. U.S. Eagle's Rewards! program allows you to accumulate points that you can redeem for name brand merchandise, travel services and experiences, entertainment and dining, and even gift cards. Find a credit card perfect for your lifestyle. And don't worry - U.S. Eagle has you protected with<a href="https://www.useaglefcu.org/products/EMV_main.php" target="_blank"> EMV chip technology</a> which is easy to use, and prevents counterfeit and fraud. </span><br />
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<br />US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-65990689518458392482017-05-01T09:05:00.000-07:002017-05-16T07:44:35.651-07:00National Credit Union Youth Month Recap<h2>
<span style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Bad news
first, then good news.</span></span></h2>
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<span style="font-size: 12pt;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Bad News: National Credit Union Youth Month has come to a close. </span></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Good News: U.S. Eagle treats every month like National Credit Union Youth Month! </span></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">U.S. Eagle had such a great
month hosting financial literacy, posting fun contests on social media, organizing
scavenger hunts, and participating in National Take Your Kid to Work Day! Here
is a quick recap of all the activities and winners of April’s National Credit
Union Youth Month.<o:p></o:p></span></span></div>
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Literacy</b><o:p></o:p></span></span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Your credit union takes financial literacy very seriously. We strive to provide basic money management classes wherever there is a demand. This month, we provided multiple Mad City Money classes around the city. So, what's Mad City Money? Mad City Money is a real life simulation which gives students a sense of adulthood with income and bills to pay. Participants are assigned a temporary identity, including occupation, salary, debt, marital status, children, and more. They have to decide where they will live and how they will live, all while staying within budget.</span></div>
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<tr><td class="tr-caption" style="text-align: center;">Mad City Money at Warehouse 508</td></tr>
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<span style="font-size: 12.0pt; line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Social Media
Contests</b><o:p></o:p></span></span></div>
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<span style="line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: 12pt;">U.S. Eagle </span><span style="background-color: white; color: #3a3a3a; font-family: , sans-serif; font-size: 19.2px;">❤</span><span style="background-color: white;"><span style="font-family: "arial" , "helvetica" , sans-serif;">s</span></span><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: 12pt;"> social. We had a blast hearing from our members via Facebook, Twitter,
and Instagram! We posted questions and received such a great feedback from our
followers.<o:p></o:p></span></span></span><br />
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<span style="font-size: 12.0pt; line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Scavenger
Hunt</b><o:p></o:p></span></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You heard it
right – we hosted scavenger hunts at our branches. Clues were posted all over
social media, and the first child to find the hidden blue ticket won a VISA
gift card! <o:p></o:p></span></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><b>Take Your
Kid To Work Day</b><o:p></o:p></span></span></div>
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<span style="font-size: 12.0pt; line-height: 115%;"><span style="font-family: "arial" , "helvetica" , sans-serif;">U.S. Eagle
made sure to celebrate Take Your Kid To Work Day! About thirteen kids showed up bring and early to learn about the credit union difference. They met our
President and CEO, Marsha Majors and THE Eagle! Kids played credit union bingo
and learned about the different departments of the credit union. The day ended
with the kids learning about the vital roles their parents play to make U.S.
Eagle operate smoothly. <o:p></o:p></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: "arial" , "helvetica" , sans-serif;">U.S.
Eagle treats every month like National Credit Union Youth Month. We strive to
offer financial literacy wherever there is a demand. We post financial tips and
important articles on all our social media pages. Make sure to follow us or add us on
<a href="https://www.facebook.com/USEagleFCU" target="_blank">Facebook</a>, <a href="https://twitter.com/useaglefcu" target="_blank">Twitter</a>, <a href="https://www.instagram.com/useaglefcu/" target="_blank">Instagram</a>, <a href="https://www.snapchat.com/add/useaglefcu" target="_blank">Snapchat</a>, and <a href="https://www.linkedin.com/company-beta/3730821" target="_blank">LinkedIn</a>! </span></span><br />
<span style="font-size: 12pt;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></span>
<span style="font-size: 12pt;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="line-height: 115%;">If
you are interested in U.S. Eagle providing a Mad City Money experience for your
class, please call Danielle Silva at 342-8875 or send an email to <a href="mailto:dsilva@useaglefcu.org">dsilva@useaglefcu.org</a> and schedule a complimentary financial
literacy session for your students. </span></span></span></div>
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-88934708748262504492017-03-29T07:44:00.000-07:002017-04-05T09:41:17.673-07:00National Credit Union Youth Month<h3>
<span style="font-family: inherit;">April is National Credit Union Youth Month! Kids – the
spotlight is on you! Credit Unions all across the nation designate this month
to our youth. It highlights the understanding of basic financial concepts, such
as saving and budgeting, and of course, the credit union difference! </span></h3>
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<span style="font-family: inherit;"><br /></span><span style="font-family: inherit;">U.S. Eagle is celebrating three ways:</span></h4>
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<span style="font-family: inherit;"><b>1. Social Media Contests</b><o:p></o:p></span></div>
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<span style="font-family: inherit;">If you haven’t already, “Like” us on <a href="https://www.facebook.com/USEagleFCU" target="_blank">Facebook</a> and “Follow”
us on <a href="https://twitter.com/useaglefcu" target="_blank">Twitter</a>! Every week we will be posting a financial question – submit your
answer and you could win a VISA gift card. <o:p></o:p></span></div>
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<span style="font-family: inherit;"><b>2. Scavenger Hunt</b><o:p></o:p></span></div>
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<span style="font-family: inherit;">Each week, we will be hiding a prize around one of our nine
branches. Clues will be posted on our Facebook, Twitter, and <a href="https://www.snapchat.com/add/useaglefcu" target="_blank">Snapchat</a>. When clues are provided, be the first to find and retrieve the object. Make
sure you’re on the lookout for your chance to win a fun prize! </span>There is one rule: you must be under the age of 18 to play. So, bring your grandchild, son, daughter, niece, or nephew and find the prize! Make sure you alert someone at our branch that you won our scavenger hunt! </div>
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<span style="font-family: inherit;"><b>3. Balance </b> <o:p></o:p></span></div>
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<a href="https://useaglefcu.balancepro.org/" style="font-family: inherit;" target="_blank">Balance Financial Fitness Program</a><span style="font-family: inherit;"> is a free financial
counseling service sponsored by U.S. Eagle. Financial counselors work with you
to help avoid or resolve financial distress and establish personal financial
control. Programs include debt and budget coaching, student loan coaching,
credit report review, and more. Take advantage of this free program and let a Balance financial counselor help you
develop a customized plan for achieving your financial goals! </span></div>
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-55607405385248720422017-02-01T09:20:00.000-08:002017-02-02T13:58:04.896-08:00BYOB – Build Your Own Budget<div class="separator" style="clear: both; text-align: center;">
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And now for my next trick, I will successfully manage my
money using just my budget!</h3>
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If it were that easy, more people would budget. Budgeting is
tricky. It’s one thing to notate and categorize expenses, but it’s a whole
other ball game to cap your spending. For this month’s blog, I will show you
how to BYOB using these five easy steps:<o:p></o:p></div>
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<b>Step 1:</b> Record your expenses. </div>
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What does that entail? Write down
every transaction you make – big or small. If you are tech savvy, start your
budget on an Excel spreadsheet. Make sure you record the date, item or item description, place, and then identify whether or not the
transaction is a debit or credit. <o:p></o:p></div>
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<b>Credit:</b> Money going into your account<o:p></o:p><br />
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Subtract the amount from your balance, or add the amount to your balance and
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<o:p></o:p></div>
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<span style="font-size: x-small; mso-bidi-font-size: 11.0pt;">*Tip: Use “Google
Sheets” to record your transactions on the go or at home! There are also many apps available to help you
with your budgeting needs. <o:p></o:p></span><br />
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<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-LIG4YuXOf0E/WJIYZS0xVLI/AAAAAAAAAa8/kNc5m5MthmkMHi2e-QLbmWGzhwSi3cFIwCLcB/s1600/image%2B8.bmp" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="https://1.bp.blogspot.com/-LIG4YuXOf0E/WJIYZS0xVLI/AAAAAAAAAa8/kNc5m5MthmkMHi2e-QLbmWGzhwSi3cFIwCLcB/s1600/image%2B8.bmp" /></a></td></tr>
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<b>Step 2:</b>
Categorize your expenses.<br />
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Recommended categories include: housing,
transportation, food, personal care, healthcare, debt, utilities, and
entertainment. Everyone is different, so feel free to create categories as you
see fit.<o:p></o:p><br />
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<b>Step 3: </b>Cap it!</div>
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Now that
you know where your money is going, figure out where you can decrease your spending
or create a category amount you cannot surpass. You must discern between which
purchases are “wants” and which purchases are “needs”. As much as you think that third Starbucks during the week is a “need”, it’s actually an extra
$5.00 you could use to pay off debt or stick in your emergency savings account.<o:p></o:p></div>
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Here are the recommended budgeting guidelines according to
the Credit Counseling Society:<o:p></o:p></div>
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<a href="https://1.bp.blogspot.com/-a--ZxDMd5Wc/WJIOPLw294I/AAAAAAAAAaA/qbp4BGZ0oY047mEEw1YCl2uKirhvJVE_wCEw/s1600/budgeting-guidelines.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="278" src="https://1.bp.blogspot.com/-a--ZxDMd5Wc/WJIOPLw294I/AAAAAAAAAaA/qbp4BGZ0oY047mEEw1YCl2uKirhvJVE_wCEw/s320/budgeting-guidelines.png" width="320" /></a></div>
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In the figure below, you will notice where caps have been
created for each category based on the amount spent the previous month. You
will notice in Figure 1, the individual had an unexpected flat tire at the end
of the month that put his account in the negative. The individual probably had
to pull money out from savings in order to recover. For the next month, the cap
of $100 for “Personal Care” and the cap of $300 for “Food” will prevent
overspending.<br />
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<b>Step 4: </b>Create a master budget. </div>
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The longer you track your expenses, the better idea you will
have of how much money you should budget per category. Some people eat out more, but spend less on
personal care; other people enjoy traveling more than purchasing clothes. You
can also decrease your spending in certain areas to pay off debt quicker. After
a few months, you should be able to create a master budget to further assess
your financial wellness.</div>
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<b>Step 5:</b> Keep calm and budget on.</div>
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Budgeting may be a little mundane...monotonous...etc., but, once you notice your checking account balance is never negative, your savings account is growing, AND YOUR DEBT IS DECREASING, you'll learn to love it. Are you up for the budget challenge?</div>
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<br />Happy budgeting! </h2>
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-19796141711737303732017-01-09T15:00:00.000-08:002017-01-10T08:56:36.723-08:00New Year, New You. <h3>
Happy New Year! With a fresh new slate called “2017”, it’s time to plan your new year’s FINANCIAL resolutions. Check out these tips sure to help you improve your financial situation in 2017 and beyond. </h3>
<br />
<b> 1. BYOB – Build Your Own Budget. </b><br />
<br />
Do you even budget, bro? You may think you budget, but there is huge difference between keeping a balance in your head and writing things down. Keeping a monthly budget and noting every single transaction may seem like a tedious task, but it is the only way to fully understand your cash flow. If you’re not a paper and pen type of person, try using a spreadsheet and recording your monthly costs, or use a budgeting app to find out where your money is going. Maintaining this habit will allow you to set goals, adjust your spending, and most importantly, save your money.<br />
<br />
<b> 2. Check your credit score. </b><br />
<br />
Start the year off by checking your credit score. Checking your credit score will allow you to check for identity theft, review your credit history, and understand where you are at for future financial decisions, e.g. applying for a loan. Head to <a href="http://annualcreditreport.com/">AnnualCreditReport.com</a> and get your free annual credit report from all three reporting bureaus (Equifax, TransUnion, Experian). It will not hurt your credit score and it is free. Not the number you envisioned? Don’t get too discouraged, this is your year to change that. Easy ways to boost your score include paying over the minimum monthly payment, making payments on time, and maintaining low balances.<br />
<br />
<b>3. Build your emergency savings. </b><br />
<br />
Building an emergency savings isn’t a sprint, it’s a marathon, and it is never too late to start. Experts recommend savings up to six months’ worth of expenses. Once you BYOB, you can determine how much you can set aside per month to build your emergency savings. The purpose of an emergency savings fund is to provide back-up in case your car quits, your roof starts leaking, you lose your job, or there’s a health emergency. Don’t wait for something happen; be prepared for when it does happen.<br />
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<b> 4. Automatic savings. </b><br />
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A quick way to save money is to utilize automatic savings. Instead of manually moving money into your 401k or savings account, set up automatic savings. With everything going on in life, sometimes it is easy to forget to move your money from one account to the other. Head to your closest <a href="https://useaglefcu.org/creditunion/locations.php" target="_blank">U.S. Eagle branch</a> and set up an automatic withdraw or transfer biweekly, monthly, or quarterly. Watch your savings grow!<br />
<b><br /></b>
<b> 5. Make Extra Income.</b><br />
<br />
If you plan on making a big purchase this year, paying off a large amount of debt, or want to stash some extra cash into savings, making some extra income may be the best option for you. There are so many ways you can make some extra money, it just depends on how much time you have to dedicate and how much you want it. You can go through your closet and sell clothes you no longer wear, pick up a second job as an Uber or Lyft driver, or go outside the box and start blogging. If you live in a large home and have an extra room, consider posting it on AirBnB. Another option is turning a skill set into income. If you’re great at tennis, maybe you can offer lessons on weekends, or if cooking is more your style, offer classes after work! Options are endless.<br />
<h4>
<br /> 2017 is your year for financial success. Before you make a purchase, ask yourself, “Do I really need this pair of shoes?” Challenge yourself! For one month, don’t spend any money on eating out; instead, move it into your savings account. Sometimes, we don’t realize how much money we can save by removing something out of our lives, even if it is temporary. Happy New Year!
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-44702252437504558362016-12-16T15:26:00.002-08:002016-12-19T12:23:06.618-08:005 Favorite New Mexican Holiday Traditions<span style="font-family: "calibri";">Let's talk tradition! What are our top five favorite New
Mexican holiday traditions? We've listed them below.<o:p></o:p></span><br />
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<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">1.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">River of Lights</span></div>
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<span style="font-family: "calibri";">Wear a heavy jacket and some good walking shoes because you
aren’t going to want to miss the <a href="https://www.cabq.gov/culturalservices/biopark/events/river-of-lights" target="_blank">River of Lights</a>. With millions of twinkling
lights and more than 500 displays, make sure you add this to your list of
holiday activities. The River of Lights landed on MSN’s “The 15 Most
Spectacular Holiday Lights Displays in the U.S.” and definitely deserves a
spot! Grab the family, head to the BioPark and witness this magical display of
lights for yourself. <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">2.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Luminarias</span></div>
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<span style="font-family: "calibri";">The most infamous of all Christmas decorations: Luminarias. You
just need three things: brown bags, candles, and sand. Place them all around
your house and yard, and you are set. Luminarias are basically a Christmas
staple here in New Mexico! In fact, ABQ Ride has created a <a href="http://www.cabq.gov/transit/programs-and-projects/luminaria-tour" target="_blank">Luminaria Tour</a> to highlight just how much we <3 luminarias. </span></div>
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<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">3.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Nob Hill Shop and Stroll</span></div>
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<span style="font-family: "calibri";">Check some gifts off your list at <a href="http://nobhillmainstreet.org/event/nob-hill-holiday-shop-and-stroll/" target="_blank">Nob Hill Shop and Stroll</a>.
Central shuts down, and local businesses keep their doors open later. Nob Hill
expects to see 8,000-10,000 people at this event. Customers come to shop,
browse, and grab a bite! <span style="mso-spacerun: yes;"> </span><o:p></o:p></span></div>
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<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">4.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Twinkle Light Parade</span></div>
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<span style="font-family: "calibri";">Congratulations are in order for this bright and twinkly
occasion! The <a href="https://www.cabq.gov/culturalservices/things-to-do/annual-events/twinkle-light-parade" target="_blank">Twinkle Light Parade</a> has been named <a href="http://www.10best.com/awards/travel/best-holiday-parade/" target="_blank">#2 Best Holiday Parade</a> in the
country by USA Today. <span style="mso-spacerun: yes;"> </span>This infamous New Mexican
tradition features over 300,000 lights stretching over a mile, cool cars,
firetrucks, and of course, Mr. and Mrs. Klaus! Bundle up and grab a canister of
hot cocoa because you won’t want to miss Albuquerque’s biggest holiday parade. <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">5.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Biscochitos</span></div>
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<span style="font-family: "calibri";">What goes best with all four traditions mentioned above?
<a href="http://www.visitalbuquerque.org/albuquerque/cuisine/recipes/holiday-recipes/" target="_blank">Biscochitos</a>. Everyone in New Mexico loves biscochitos especially right out of
the oven! You can get them anywhere…even at U.S. Eagle. In fact, when you
purchase biscochitos at any one of our <a href="https://useaglefcu.org/creditunion/locations.php" target="_blank">branches</a>, all proceeds will benefit local
organizations. Delicious cookies all for a good cause. </span></div>
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<span style="font-family: "calibri";">Well, this concludes our top five favorite New Mexican Holiday traditions! We would love to learn about your family tradition around the holidays. Leave a comment and tell us your favorite tradition. Happy Holidays!</span></div>
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-71687202020252624122016-11-22T16:33:00.000-08:002016-11-23T07:57:01.054-08:00Casa Esperanza, Meals on Wheels, El Camino Real Academy: OH MY! <div class="MsoNormal">
It’s time for a community service rewind.<o:p></o:p></div>
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As some of you may know, the credit union philosophy is “People
Helping People”. We fulfill this philosophy every day through volunteering,
fundraising, and donating. In the spirit
of Thanksgiving, we want to recap some of our major community service efforts
throughout 2016. We are so thankful for our community and the opportunities we
are provided to help out around New Mexico.<o:p></o:p></div>
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Every other Tuesday, a group of
U.S. Eagle employees head down to <a href="http://casanm.org/" target="_blank">Casa Esperanza</a> to put their cooking skills to
the test. Sometimes lasagna is on the menu, other times it’s tacos, or maybe we’ll
just host a BBQ! In honor of Thanksgiving, we will be preparing a delicious Thanksgiving
meal this week for those residing at Casa Esperanza. Casa Esperanza provides
appropriate housing and emotional support for patients and their families who reside
temporarily in Albuquerque while the patient receives treatment. <o:p></o:p></div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-IJZaxSezfak/WDTh0m6uMII/AAAAAAAAAYo/VwDv6PBRBQkEr6uUNWH6QfzxO1RxLXaXACLcB/s1600/Compliance%2BGroup%2B10-4-16.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="300" src="https://1.bp.blogspot.com/-IJZaxSezfak/WDTh0m6uMII/AAAAAAAAAYo/VwDv6PBRBQkEr6uUNWH6QfzxO1RxLXaXACLcB/s400/Compliance%2BGroup%2B10-4-16.jpeg" width="400" /></a></td></tr>
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Every Wednesday, Team Eagle
delivers delicious meals to local New Mexicans requiring special dietary needs.
<a href="https://mow-nm.org/" target="_blank">Meals on Wheels</a> provides us with the opportunity to serve those in need around
Albuquerque. Over 500 clients are served, and over 100,000 meals are delivered
every year thanks to Meals on Wheels.</div>
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<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-gaZAMF_MWTU/WDTf5W3FXLI/AAAAAAAAAYM/o2a2o6i9grkvbS52xoC2hRtRPDiFJ8s5wCLcB/s1600/MOW.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto; text-align: center;"><img border="0" height="300" src="https://1.bp.blogspot.com/-gaZAMF_MWTU/WDTf5W3FXLI/AAAAAAAAAYM/o2a2o6i9grkvbS52xoC2hRtRPDiFJ8s5wCLcB/s400/MOW.jpg" width="400" /></a></td></tr>
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Annually, we have a bake sale in October at all of our branches to raise money for <a href="http://main.acsevents.org/site/TR/MakingStridesAgainstBreastCancer/MSABCCY16GW?pg=entry&fr_id=77404" target="_blank">Making Strides Against BreastCancer</a>. Employees donate baked or purchased goods to display in our lobbies. Thanks to our members and employees, we were able to raise $1,526 through our bake sale and have a huge group of employees walk in support of Making Strides Against Breast Cancer. </div>
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<tr><td style="text-align: center;"><a href="https://4.bp.blogspot.com/-ssjd9V8vAVI/WDTgPKH3cwI/AAAAAAAAAYQ/6ru6DOaf6zkIO4ve3Z68YoUt-yUrAZokwCLcB/s1600/IMG_3216.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="240" src="https://4.bp.blogspot.com/-ssjd9V8vAVI/WDTgPKH3cwI/AAAAAAAAAYQ/6ru6DOaf6zkIO4ve3Z68YoUt-yUrAZokwCLcB/s320/IMG_3216.jpg" width="320" /></a></td></tr>
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For our second year in a row, we
were able to contribute $1,000 to <a href="http://www.elcaminorealacademy.com/" target="_blank">El Camino Real Academy</a> for their annual Thanksgiving
meal provided to their students and their families. This event provides students and their families
with a healthy, fresh, and organic meal to celebrate Thanksgiving. It is an
all-day event that everyone looks forward to!</div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://4.bp.blogspot.com/-q4m19m9_EOs/WDTgWD33iHI/AAAAAAAAAYU/IHNHmqeF-GcgnmQ3IaZIWxs2ktyp17OjQCLcB/s1600/IMG_5348_des2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="216" src="https://4.bp.blogspot.com/-q4m19m9_EOs/WDTgWD33iHI/AAAAAAAAAYU/IHNHmqeF-GcgnmQ3IaZIWxs2ktyp17OjQCLcB/s320/IMG_5348_des2.jpg" width="320" /></a></td></tr>
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<a href="http://www.abrazosnm.org/" target="_blank">Abrazos Family Support Services</a>
hosts an annual holiday dinner for families who may not be able to provide a
home-cooked holiday meal. We were able to partner with Abrazos this year by
providing a $500 donation to support their dinner. Thanks to Abrazos, the
dinner will serve over 65 families and 300 people! Abrazos provides a variety
of specialized educational, health, developmental, and parent support services that
help families to meet the special needs of their infants, children, and adult
family members with disabilities.</div>
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This year, our Jr. Board of
Directors was able to volunteer at <a href="http://www.ggyr.org/" target="_blank">Galloping Grace Youth Ranch</a> for their annual
Pumpkin Patch. They stocked pumpkins, organized games, broke down corrals,
moved bales of hay, childproofed the maze, and assisted with check-in.
Galloping Grace Youth Ranch is a place where kids lead kids while learning how
to raise livestock, grow crops, explore the outdoors, and enrich the community.<o:p></o:p><br />
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We are honored to assist
organizations around New Mexico through donations, sponsorships, and volunteerism.
Thank you to all of these wonderful organizations who ensure the sustainability
of our community. Happy Thanksgiving!</div>
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-28572949276066463432016-10-14T14:58:00.000-07:002016-10-18T16:07:21.356-07:00The Authentic Difference <div class="separator" style="clear: both; text-align: center;">
<a href="https://2.bp.blogspot.com/-CCdpFWHLOuE/V_6OVrgLyAI/AAAAAAAAAVA/RNfvl5tfnMoyvAEzJ3Ofk9Rqb5gIYGw6gCLcB/s1600/ICUday_2016.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="165" src="https://2.bp.blogspot.com/-CCdpFWHLOuE/V_6OVrgLyAI/AAAAAAAAAVA/RNfvl5tfnMoyvAEzJ3Ofk9Rqb5gIYGw6gCLcB/s400/ICUday_2016.png" width="400" /></a></div>
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Every third Thursday of October since 1948, credit unions across the globe celebrate<a href="http://www.woccu.org/events/icuday?" target="_blank"> International Credit Union Day</a>. For those of you who didn't know credit unions exist on a global scale - now you know. In fact, the first credit union was founded in Germany by <a href="http://www.mycreditunion.gov/pages/historical-timeline-of-credit-unions.aspx" target="_blank">Friedrich Raiffeisen</a>. Moving on from my history lesson of the day, International Credit Union Day recognizes the history of the credit union movement and its achievements. This momentous day also celebrates the hard work of those who dedicate their lives to the credit union industry.</div>
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This year, the theme of International Credit Union Day is "The Authentic Difference". Not to toot our own horn, but there truly is an authentic difference in the credit union industry. Our goal is to serve our members and help them financially succeed. We do this as an organization, and each department has an integral role to make our members' experience as authentic as possible. Here is how some of our employees exhibit the authentic difference in their roles at U.S. Eagle:</div>
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<strong>Meet Theo.</strong> Theo has worked for U.S. Eagle for nearly 27 years! Theo was the "SEG Champ" back when the ball first started rolling. "SEG" stands for "Select Employee Group". In order to join U.S. Eagle you had to be a part of a select employee group or a family member of an employee. Theo added hundreds of SEGs so that all their employees and family members could truly experience the authentic credit union difference. </div>
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<strong>Meet Jeremy.</strong> Jeremy has worked for the credit union for almost three years and is one of our biggest cheerleaders! His favorite part of his job is helping people with their financial needs. Jeremy is passionate about the credit union movement and exhibits the authentic difference by providing the right services and products that will fit our members' lifestyles. Jeremy leaves work every day knowing he made a difference in someone's life. </div>
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<strong>Meet Patty. </strong>Patty has been<strong> </strong>working for U.S. Eagle for eleven years! Her favorite part about working for the credit union is the impact she has on families. Many families may be in need of guidance concerning financial situations. Her financial knowledge is continually developing and allows her to confidently give members different options that best fit their specific needs. Patty says the best part of learning is that it never stops - tomorrow is an endless day full of possibilities! Patty demonstrates the authentic difference to our members by helping them feel like a person and not a paycheck. She strives to offer them an experience of belonging and is always eager to share our meaningful mantra - "Where Everyone Belongs". </div>
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<strong>Meet Ina. </strong>Ina has been working for U.S. Eagle for nearly five years. Her favorite part about working for a credit union is how our organization lives out the credit union philosophy of "People Helping People". She recognizes how community-centered U.S. Eagle is and appreciates the many opportunities available to commit time to local non-profits. Ina exhibits the authentic difference through her position in human resources by ensuring our internal members are happy and confident in their position which allows better service for our external members. She is a trusted resource, her door is always open, and she commits daily to go above and beyond in her position.</div>
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<strong>Meet Diana. </strong>Diana has been lovin' life at U.S. Eagle for almost a year. Her favorite part of her job is interacting with our members and knowing that U.S. Eagle is helping them financially. Diana exhibits the authentic difference in a few ways. Farmington is such a tight knit community and everybody is familiar with one another. This allows Diana to demonstrate authenticity by acknowledging each member by their name and treating them as individual and not just a number. She welcomes them as soon as they walk through the door and treats them with kindness. Through membership interaction, Diana has become more outspoken and enjoys having important conversations with members to ensure their financial success. <br />
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Stop by any <a href="https://www.useaglefcu.org/creditunion/locations.php" target="_blank">branch</a> on Thursday, October 20th from 11:00 a.m. - 1:00 p.m. and celebrate International Credit Union Day with U.S.! </div>
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-17079327890231372292016-08-31T11:16:00.001-07:002016-10-18T16:09:32.233-07:00Beware of Fraudsters<h3>
Have you ever received an email from a random individual
offering you a job, and even better – advance pay before you have even interviewed?
What about receiving a message from someone who claims they are romantically interested
in you and within days requests to deposit a check into your account with the
promise to designate a portion of the cash to you? <span style="mso-spacerun: yes;"> </span>Have you ever heard the saying, “If it’s too
good to be true, it probably is”? Well that applies to these scenarios.<o:p></o:p></h3>
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<span style="font-family: "calibri";">Recently, our Fraud Department has noticed an influx of our
members falling prey to scams like these. Let me break down these two scenarios
a little bit better.<o:p></o:p></span></div>
<span style="font-family: "calibri";"><b style="mso-bidi-font-weight: normal;">Scenario 1:</b> At some point in the past year or so, you have posted your
resume on a job search engine. One day, you receive a job offer sent to your
personal email describing a position the “employer” is pretty much giving to
you with the promise of a paycheck before you even start. All you have to do is
send your account information and you’re set! Should you send any of your
information? NO. In fact, you should block the sender and report the email as
spam. </span><br />
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<a href="https://3.bp.blogspot.com/-O3fZni_JUq8/V8ceYLXjKZI/AAAAAAAAATI/o0o0KYARMW0Z6vTwPxVRTxuNF2I6ttPBACLcB/s1600/IMG_1421.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="213" src="https://3.bp.blogspot.com/-O3fZni_JUq8/V8ceYLXjKZI/AAAAAAAAATI/o0o0KYARMW0Z6vTwPxVRTxuNF2I6ttPBACLcB/s320/IMG_1421.JPG" width="320" /></a><span style="font-family: "calibri";"><b style="mso-bidi-font-weight: normal;">Scenario 2: </b>You have recently started online dating. After exchanging
some messages with a promising contender for your heart, they ask if they can
deposit a check into your account. Even better – since you two are exclusive, they
want to provide you with some money for the trouble and have offered to deposit
the check on their end using RDC (remote deposit capture). You agree and send
them your login information. They download the app on their mobile device,
deposit the check, and boom – your balance increases $5,000. <span style="mso-spacerun: yes;"> </span>All you have to do is head to the credit union
and withdraw the amount they want you to send to them. The things we do for
love! <o:p></o:p></span><br />
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<span style="font-family: "calibri";">Both of these situations have one thing in common – you never
meet the person on the receiving end. You never meet your “employer” nor do you
ever meet your new “crush”. In the end, you’re the one with the negative
balance in your account, and your information is in the hands of a scammer
somewhere in the world. <o:p></o:p></span></div>
<span style="font-family: "calibri";">So, what can you do to avoid these types of situations? <b style="mso-bidi-font-weight: normal;">Never</b> give out any of your account
information or personal information. <span style="mso-spacerun: yes;"> </span><b style="mso-bidi-font-weight: normal;">Stop</b> all communication with the
fraudster – they will be very persistent. These scams are common no matter what
age you are. If you find yourself in a similar situation, please call our Fraud
Department immediately at 505-342-8871. <o:p></o:p></span>US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-66440107535755452332016-08-18T08:58:00.000-07:002016-10-18T16:12:52.462-07:00Money Management vs. the Pythagorean Theorem <br />
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<span style="font-family: "calibri";"><span style="font-size: large;">Growing up, kids and teens learn about the Pythagorean
Theorem, ionic compounds, and how to diagram compound sentences. But after they
finish school, do they actually remember all the information surrounding these
topics? Maybe. How about actually applying these skills in the real world? Eh,
probably not. Don’t get me wrong, the Pythagorean Theorem is great. I can’t say
I have done much with it since I learned it back in middle school, but I am sure there are people out there that really enjoy solving problems using the Pythagorean. And,
yes, I had to look up the spelling of that word. I think
I am getting a little bit off topic. Back to financial literacy. So, why aren’t
we teaching our children and teenagers how to balance their checkbook or how to
manage their credit score - both skills that will last a lifetime. Most people
apply these skills daily, and at least monthly. <span style="mso-spacerun: yes;"> </span>Why don’t we teach our youth basic money
management skills?<o:p></o:p></span></span></div>
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<span style="font-family: "calibri";"><span style="font-size: large;">I know that first paragraph was kind of a downer, but there
is good news. Your credit union (us, U.S. Eagle) tries to actively fix
this problem to the best of our ability. We do this through financial literacy.
We go into schools and organizations and actually talk with our youth about
budgeting, understating credit, saving money, and more. We discuss these topics
in their classrooms and engage them in conversation to help them learn about
these basic financial concepts.<o:p></o:p></span></span></div>
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<span style="font-family: "calibri";"><span style="font-size: large;">Now, my personal favorite financial literacy tool is “Mad
City Money”. Kids love this game, as well as parents and you’ll see why. Mad
City Money is a simulation that gives kids a taste of the real world. They have
a family, bills, and a steady income. Participants must decide where they are
going to live, how they are going to commute, what they are going to eat, and
much more. They discover how much internet costs, how expensive groceries and
eating out can be, and…how much diapers cost! I find parents who participate in
this game sometimes enjoy it more than their kids…<o:p></o:p></span></span></div>
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<span style="font-family: "calibri"; font-size: large;">Through these presentations and simulations, our youth are
learning more about these important financial topics. They are engaged and
they are having fun. This is one way we hold true to the credit union philosophy
of “People Helping People”. <span style="mso-spacerun: yes;"> </span>We encourage
parents to bring in their kids or teens and teach them about the importance of
saving their money in a savings account. Even if it just $5.00 per month.
Getting into the habit of saving at a young age can really pay off in the long
run.</span></div>
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<span style="font-family: "calibri"; font-size: large;">If you are interested in facilitating financial literacy at
your school or organization, please call Danielle at 505-342-8875. </span></div>
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-82249456705761092582016-07-06T11:54:00.003-07:002016-07-12T08:49:10.389-07:0012 Ways to Spend $1,000<span style="font-family: "arial";"></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Imagine $1,000 falls into your lap. How would you spend it?
Or would you save it? Here are some ideas on what you should do with that extra
cash.<o:p></o:p></span></h2>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Kick Debt Out
the Door.<o:p></o:p></span></h4>
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Take the responsible option and get rid of that $865 balance
remaining on your credit card. This option may not be the most adventurous route, but it
will definitely be a weight off your shoulders. It could also add an extra $50
to your monthly disposable income and you can say "Good-bye" to interest.<o:p></o:p></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">700/300<o:p></o:p></span></h4>
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Ever heard of the 700/300 ratio? Me either, but this option
may work the best for you. Pay off some debt with $700 and have some fun
with $300; a conservative approach with a spin.<o:p></o:p></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Upgrade Your Wardrobe.<o:p></o:p></span></h4>
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This may be a great opportunity for you to upgrade your
wardrobe. Maybe purchase a new suit or that new purse you’ve been eyeing at
your favorite high-end store. A new suit or new purse are style staples and can also
come in handy when you need to look professional.<o:p></o:p></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Quick Getaway, Anyone?<o:p></o:p></span></h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;">
Sometimes we just need a break to relax, recharge, and
getaway. Use $1,000 for exactly this. Purchase a roundtrip flight, or gas up
your car and head towards that destination you’ve always wanted to visit. Spend
a couple nights in a hotel, experience the culture, eat some delicious food, and
then make your way back home. </span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Save, Save, SAVE!</span></span></h4>
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Some people may consider this a less exciting option, but for those who want to play it safe – invest your $1,000 in a <a href="https://useaglefcu.org/rates/rates.php" target="_blank">money market account</a> or <a href="https://useaglefcu.org/products/80month.php" target="_blank">share certificate</a>. Make that money work for you!</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Electronic Upgrade, Please!<o:p></o:p></span></h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;">
It seems like every day there is a new upgrade available for
your laptop or your cell phone. Maybe it’s time to upgrade your computer. If it
weighs over five pounds, then it’s time to get rid of that desktop still using
dial-up and invest in a new laptop. Upgrading your cell phone to the latest and greatest is always useful and, well, fun! Our society uses and relies on mobile
devices more and more every day. You can make purchases by paying with your phone, find your location
within seconds, or take a photo - all on your 5in x 3in device. It’s a good idea to
invest in something so present and usable in today’s age. <o:p></o:p></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Save It for that
Unexpected Expense that WILL Come Up Next Month.<o:p></o:p></span></h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;">
This seems to always happen. You get some extra money, spend
it, and then shortly after you conveniently get a flat tire. Well, say “NO” to
that unexpected expense by saving your spare $1,000. When you find yourself at
the dentist with a $500 bill, okay let’s be real, a $900 bill, guess what? You
can cover that no prob. Be prepared for these situations that conveniently hit
you at the most inconvenient times.<b style="mso-bidi-font-weight: normal;"><o:p></o:p></b></span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Redecorating; Hello New Walk-In Closet!</span></h4>
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Tired of staring at that old couch? Are your wooden floors
starting to look like potential firewood? Time to consider a mini-home remodel!
Use your extra $1,000 to do some spring cleaning around your house. Maybe organize
your closet, hire someone to shampoo your carpets, replace some old furniture,
or hire a landscaper to make your backyard a jungle of beautiful vegetation. Did we hear some say, "Pool Day"?</span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">
</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Continuing Education.<o:p></o:p></span></h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;">
Dust off your thinking cap and enroll in some classes to further
your skillset. Maybe learn a new language, improve your graphic design skills,
or take some cooking classes. Improve yourself mentally by taking on a new
challenge.<o:p></o:p></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">
</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Healthy YOU!<o:p></o:p></span></h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;">
Take advantage of your extra cash by hiring a personal
trainer or joining a gym. Gyms can be on the expensive side, add a personal
trainer and a new diet and watch that total grow. Clean up your diet by purchasing organic or
shopping at your local grower’s market. Your body will thank you!<o:p></o:p></span><br />
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</span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Donate.<o:p></o:p></span></h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;">
Give your extra cash to a charitable organization of your
choice. The money will be much appreciated and you’ll feel good knowing you contributed
to a worthy cause. Go all out and donate some of your time too!</span><br />
<br />
<h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;">
Invest in a New Hobby.</span></h4>
<h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><o:p></o:p></span> </h4>
<span style="font-family: "arial" , "helvetica" , sans-serif;">
Always wanted to learn pottery? Maybe gardening is more up
your alley? Well the moment you’ve been waiting for is here – take on a new
hobby with your spare cash. Escape your daily routine by cycling through the
mountains or canoeing down the nearest river.</span><span style="font-family: "calibri";"> </span><br />
<br />
<span style="font-family: "calibri";"></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">There are a lot of ways to spend $1,000. Just remember to weigh out the pros and cons, and make a decision that is right for you and your financial situation.</span>US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-24351490779267063632016-05-25T16:11:00.001-07:002016-05-25T16:11:48.073-07:00Vacay Without Breaking the Bank!Summer is almost here which means a vacation is in order. How do we go about planning a vacation without breaking the bank? Here are some ideas:<br />
<br />
1. ROAD TRIP! Gather the family (or friends) and hit the road. Make a stop at the Grand Canyon or Elitch Gardens and spend some time in nature or touring some shops and museums. Quality time with the fam or your closest pals is always a fun time.<br />
<br />
2. Use <a href="https://www.airbnb.com/" target="_blank">Airbnb</a>! For those of you who don't know, Airbnb connects people to unique travel experiences, at any price point, in more than 34,000 cities and 191 countries! Talk about some options. If you're home for the summer and looking to make some extra cash, put that spare bedroom on Airbnb and earn some money.<br />
<br />
3. Tour New Mexico. New Mexico is beautiful and if you like the outdoors, then you're in luck because you have a lot of options. White Sands, Santa Rosa Blue Hole, Carlsbad Caverns, camping in Ruidoso, zip-lining in Angel Fire...the list really goes on...be a local tourist!<br />
<br />
4. STAY-cation. Yes, this is a thing and it's pretty fun. Here's the idea- you stay at home, but you act like you're on vacation which means no work, eating junk food, going to the pool, shopping, and watching movies until 2am. Affordable, yet still a vacation.<br />
<br />
5. Camping. Grab your cooler and fill it with hotdogs, marshmallows - the necessities, and head for the mountains. Set up your tent, lay out your sleep bag, and tell your best spooky story. Camping is affordable and away from the city, so you still get that vacation-feel with the plus of nature for the weekend. <br />
<br />
Summer is right around the corner, so remember, you can still vacay without spending thousands of dollars. A vacation can be a tent in the backyard or a movie marathon in your living room. Just remember to take some time off, relax, and maybe spend some quality time with your loved ones or pet! US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-33326610725970757882016-05-05T09:57:00.000-07:002016-09-01T13:09:19.095-07:00the LADDER CERTIFICATE!!<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";">Okay guys.
We are about to talk about something cool, but also a little bit complicated.
Not sure if you have heard the news, but one of our premier investment products
is called the “Ladder Certificate”. </span></span><br />
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";"><o:p></o:p></span></span><br />
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";">What’s a
"certificate" and why is it called a “ladder”? Let me break it down…<o:p></o:p></span></span><br />
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";">First, let
me start off with the question - what is a CD? And no, I am not referring to those circular disks
from the 90s we used to listen to music in a stereo. This type of CD is defined
as a certificate of deposit. At credit unions, we call them “Share Certificates”.
A CD is a product where you place your money in an account for a period of time
(as little as 3 months or as long as maybe 5 years) while you earn a higher
interest rate; typically more than your savings or checking accounts.<span style="mso-spacerun: yes;"> </span>U.S. Eagle offers a product that most banks
or credit unions don’t…ahem, drum roll please…the LADDER CERTIFICATE!<o:p></o:p></span></span></div>
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";">So, what is this
infamous ladder certificate you ask? It is five CDs (share certificates) in
one. The ladder consists of a one year, two year, three year, four year, and
five year share certificates.<span style="mso-spacerun: yes;"> </span>Each one
of these certificates will earn the 5-year interest rate. When the 1-year CD
matures, (meaning coming up for renewal) it will automatically turn into the 5-year
CD, while the 2-year CD is now the 1-year (because you only have a year left
for maturity), and the 3-year becomes the 2-year, and so on.<o:p></o:p></span></span><br />
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";">The unique
thing about this ladder certificate is you can contribute to the CD whenever
you have $1,000.00 or more to equally disperse amongst the CDs, (in this case,
$1,000.00 will be split into all 5 of the CDs) all the while you still earn
the interest rate of the 5-year CD.<span style="mso-spacerun: yes;"> </span><o:p></o:p></span></span></div>
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";">This sets
the Ladder Certificate apart from other CDs because it allows you to make
continuous equal deposits into each of the 5 CDs whenever you want as long as
you do not break your ladder. If you do close out any of the CDs when they
mature, you can no longer contribute to the remaining CDs.</span></span><br />
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";"></span></span><br />
<span style="font-size: 12pt; line-height: 115%;"><span style="font-family: "calibri";">So, save up some money and invest it. You'll make money on your money. Plus, you'll sound cool when you explain this investment to all your pals, "Yeah...just invested my money in a ladder certificate...oh you don't know what that is?" </span></span><br />
<br />
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<o:p><span style="font-family: "calibri";"> </span></o:p></div>
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-15609270041489168662016-03-31T10:17:00.000-07:002016-08-02T09:57:47.147-07:00Annual Meeting at U.S. Eagle!<span style="font-family: "calibri";">Once you deposit $5 into your savings account at U.S. Eagle,
you become a member-owner.<span style="mso-spacerun: yes;"> </span>It’s the most
unique benefit of being a member at U.S. Eagle, which is why we invite all
members to our Annual Meeting. We want your voice to be heard. </span><br />
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-family: "calibri";">Who attends an Annual Meeting? Other shareholders, but more
importantly, local people in our community who have invested in the same
financial institution and share the same goals for the future as you do. </span></div>
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-family: "calibri";"><o:p></o:p></span> <span style="font-family: "calibri";">So, what goes on at an Annual Meeting and why should you
attend?</span> </div>
<!--[endif]--><span style="font-family: "calibri";"><span style="font-size: large;">Status report of U.S. Eagle’s fiscal year<o:p></o:p></span></span><br />
<span style="font-family: "calibri";">Learn about the current financial standing of
U.S. Eagle. Key management officers will also discuss goals and initiatives for
2017.<o:p></o:p></span><br />
<br />
<span style="font-family: "calibri";"><span style="font-size: large;">Board of Directors elections</span></span><br />
<span style="font-family: "calibri";"><o:p>Members on the Board of Directors serve three year terms. Make your vote count if there's an election. </o:p></span><br />
<span style="font-family: "calibri";"><o:p></o:p></span><br />
<span style="font-size: large;">
<span style="font-family: "calibri";">Open discussion with Board of Directors and<span style="mso-spacerun: yes;"> </span>U.S. Eagle staff<o:p></o:p></span></span><br />
<span style="font-family: "calibri";">Time for some Q & A!</span><br />
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<a href="https://3.bp.blogspot.com/-HJRSUc7OWX8/Vv1UXYDuyMI/AAAAAAAAASU/_9w7SGAd02c_e-eRveSnezOW9yxEPxCJw/s1600/IMG_2394.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://3.bp.blogspot.com/-HJRSUc7OWX8/Vv1UXYDuyMI/AAAAAAAAASU/_9w7SGAd02c_e-eRveSnezOW9yxEPxCJw/s320/IMG_2394.JPG" width="320" /></a></div>
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<br />
<span style="font-size: large;"><span style="font-family: "calibri";">Scholarship recipients announced </span></span><br />
<span style="font-family: "calibri";">Three students will take home big giant checks valued at $2,000 towards school.</span><br />
<span style="font-family: "calibri";"></span><br />
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<a href="https://4.bp.blogspot.com/-ac7xM6uSWYE/Vv1UiCmCSBI/AAAAAAAAASk/yZzy9T24lXE9ELxqlOH_Dgr_m23G6QGVg/s1600/IMG_2415.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://4.bp.blogspot.com/-ac7xM6uSWYE/Vv1UiCmCSBI/AAAAAAAAASk/yZzy9T24lXE9ELxqlOH_Dgr_m23G6QGVg/s320/IMG_2415.JPG" width="320" /></a></div>
<span style="font-family: "calibri";"><o:p></o:p></span><br />
<br />
<span style="font-family: "calibri";"><span style="font-size: large;">Giveaways!</span> <o:p></o:p></span><br />
<span style="font-family: "calibri";">Self-explanatory.</span><br />
<span style="font-family: "calibri";"></span><br />
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<a href="https://4.bp.blogspot.com/-3GB_s26JmEU/Vv1Uc1EHf8I/AAAAAAAAASY/rsYHqxhZfWMErGb_qyKM2vQRNE7o91Xjg/s1600/IMG_2495.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://4.bp.blogspot.com/-3GB_s26JmEU/Vv1Uc1EHf8I/AAAAAAAAASY/rsYHqxhZfWMErGb_qyKM2vQRNE7o91Xjg/s320/IMG_2495.JPG" width="320" /></a></div>
<span style="font-family: "calibri";"><span style="font-size: large;">Social Hour<o:p></o:p></span></span><br />
<!--[endif]--><span style="font-family: "calibri";">Enjoy delicious hors d’oeuvres and meet
some fellow Eagles.</span><br />
<span style="font-family: "calibri";"></span><br />
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<a href="https://2.bp.blogspot.com/-ndh2Et709MQ/Vv1Tr4p-VxI/AAAAAAAAASQ/CEFYoj9gIpEHBvhUazyxxpCZm4NvVo2KA/s1600/IMG_2552.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://2.bp.blogspot.com/-ndh2Et709MQ/Vv1Tr4p-VxI/AAAAAAAAASQ/CEFYoj9gIpEHBvhUazyxxpCZm4NvVo2KA/s320/IMG_2552.JPG" width="320" /></a></div>
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<span style="font-family: "verdana" , sans-serif;"><span style="font-family: "calibri";">So, on Wednesday, May 4th at 6:30pm, make sure you're at The Event Center at Sandia Golf Club. We'll see you there! </span></span><br />
<span style="font-family: "calibri";"><o:p></o:p></span><br />
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US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-87281126421994922862016-03-08T16:07:00.000-08:002016-03-08T16:23:59.041-08:00Crashing the GAC!!<span style="font-size: large;">What does “Crashing the GAC” consist of? Over 30 sessions, meetings, and discussions; nearly 85,000 steps; and a 90+ hour work week…all in less than six days. I can now proudly say, I am a GAC Crasher Alum.</span> <br />
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<a href="https://3.bp.blogspot.com/-YwEZCaf9_hw/Vt9YvvB5bdI/AAAAAAAAAQk/GQnBXFxIQQo/s1600/2016%2BCrash%2Bthe%2BGAC%2B-%2BTuesday-9970.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="356" src="https://3.bp.blogspot.com/-YwEZCaf9_hw/Vt9YvvB5bdI/AAAAAAAAAQk/GQnBXFxIQQo/s400/2016%2BCrash%2Bthe%2BGAC%2B-%2BTuesday-9970.jpg" width="400" /></a></div>
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<a href="https://2.bp.blogspot.com/-GNBCyAWmhNE/Vt9Z1fKhQBI/AAAAAAAAARA/KyPT-BmkZqY/s1600/2016%2BCrash%2Bthe%2BGAC%2B-%2BSunday-9051.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="251" src="https://2.bp.blogspot.com/-GNBCyAWmhNE/Vt9Z1fKhQBI/AAAAAAAAARA/KyPT-BmkZqY/s320/2016%2BCrash%2Bthe%2BGAC%2B-%2BSunday-9051.jpg" width="320" /></a></div>
Although the list above may seem a bit daunting, Crashing the GAC has been an invaluable experience and one of the best opportunities of my professional career. Before I go on, let me explain what the GAC is. The Governmental Affairs Conference is an annual meeting in Washington D.C. of credit unions from around the nation designed to ignite the credit union movement. The GAC guest list includes top leaders at credit unions, associations and leagues, keynote speakers, and mainly just really important people who have worked hard to get where they are…cue 52 millennials in bright yellow shirts. That would be me, us, THE Crashers. Now, let’s review what exactly a “Crasher” is. A Crasher is a young person selected from each state to attend the GAC and shake things up. We are there to network, learn, and network. <br />
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-473nsoPvTbQ/Vt9gTzvFTQI/AAAAAAAAARc/FeiLaJejq9M/s1600/IMG_4530.JPG" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="200" src="https://1.bp.blogspot.com/-473nsoPvTbQ/Vt9gTzvFTQI/AAAAAAAAARc/FeiLaJejq9M/s200/IMG_4530.JPG" width="150" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-size: xx-small;">Selfie with Rep. Ben Ray Lujan</span></td></tr>
</tbody></table>
Crashing the GAC was amazing. The main thing I took away from this experience is, understanding the credit union movement. I want to make a difference in my position and help people, now, I know even more ways to make that happen. I met so many passionate people at the GAC who were inspiring and on fire about the credit union movement. Credit Unions are more than just financial institutions. Credit Unions are places where people can go to financially succeed. Credit Unions are places that will, of course, hold your money, BUT they serve our members and have their best interest in mind. Credit Unions will sit down with members and have that tough conversation, but then do all we can to help you in the long run. Credit Unions are owned by its members. Credit Unions serve people. <br />
<br />
<br />
I’m excited to make a difference and impact lives while representing my credit union every day. Being a part of a credit union means that I am an advocate for the credit union movement. I get to spread the news about how people can join a credit union. People need to know they can join and not feel nervous or burdened by their financial situation. People can expect a trusted relationship with the place that takes care of their money. People CAN improve their financial well-being, and, we will do our best to ensure we are there for them every step of the way. <br />
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<a href="https://2.bp.blogspot.com/-8i3H-Jd5120/Vt9g-rIetAI/AAAAAAAAARo/8zz0LPQAvfA/s1600/2016%2BCrash%2Bthe%2BGAC%2B-%2BSunday-1631.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="266" src="https://2.bp.blogspot.com/-8i3H-Jd5120/Vt9g-rIetAI/AAAAAAAAARo/8zz0LPQAvfA/s400/2016%2BCrash%2Bthe%2BGAC%2B-%2BSunday-1631.jpg" width="400" /></a></div>
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-85886104786680325442016-02-08T15:30:00.000-08:002016-02-09T08:14:21.621-08:00Tax Refund Tips<span style="font-family: "calibri"; font-size: large;">It's the most wonderful time of the year! Tax Season is here! Let's fast forward to the fun stuff (hopefully). Your tax refund. How are you going to spend your tax
refund? Will you tuck your money away for a rainy day? Or, will you buy that
new iPad you’ve been eyeing? Before you make a decision, check out these
tips from the Eagle!</span><br />
<br />
<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">1.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Emergency Fund<o:p></o:p></span></strong></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-family: "calibri";">You never know what life is going to throw your way. When
something unexpected does happen, make sure you're prepared. Make sure you have money tucked
away to cover yourself should something unfortunate ensue. If you’ve been
reading up on our blog posts, you know the recommended amount one should save is
six months’ worth of expenses. Add up all your bills and multiply the total
times six – there’s your goal. This is not an account that will accumulate
overnight. This is a long term goal you can set for yourself, but adding a
chunk of your tax return to this account definitely would not hurt!<o:p></o:p></span></div>
<br />
<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">2.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Pay Off Debt<o:p></o:p></span></strong></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-family: "calibri";">Let me introduce you to what I call the "Debt Cloud". This lil' guy is your shadow when you have credit card debt. He's quiet, and just looms over your shoulder.
Maybe the Debt Cloud is hangin’ out with you as we speak. How great does it
feel when that cloud is gone? Seriously, can he just leave already? It’s a great feeling to no longer have to make a
payment on a credit card. I know for me personally, it’s amazing to have the
feeling of freedom from debt! The average American balances around $5,000 in
credit card debt. No Bueno. Use your tax refund to pay off some debt. Get rid
of the Debt Cloud that’s been your constant companion for the past year. Say
“Goodbye” to those monthly payments, interest rates, and credit card balances
that never seem to diminish. </span></div>
<br />
<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">3.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Add to Your Retirement Fund or Invest<o:p></o:p></span></strong></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<span style="font-family: "calibri";">It’s never too early to save for retirement. It’s never too
late to save for…wait. It’s never a bad time to add to your retirement savings!
If your current finances are in check, stash some money away for retirement. If
you already put in enough money per paycheck into your 401(k) for your company
to match, consider starting an IRA. An IRA allows you to have more control over
your savings than a 401(k). The sooner you save; the better off you’ll be in
the future. In addition to securing your future, consider investing your money in
stocks or bonds. Choose to be risky and invest in stocks, or be conservative
and invest in bonds. Another saving option is a designated college savings
account. Earn a return on your savings by opening a <a href="https://useaglefcu.org/products/ira.php" target="_blank">Coverdell IRA</a> and save for
your kids or grandkids’ college education. </span><o:p><span style="font-family: "calibri";"> </span></o:p></div>
<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">4.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Maintenance, Repairs, and Home Additions<o:p></o:p></span></strong></div>
<br />
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<span style="font-family: "calibri";">Tired of creaky wooden floors? Duct tape no longer working on
those leaky pipes? If you’re anything like me…a swimming pool in the backyard
will do. Okay, okay, maybe a little bit too extravagant. Take advantage of your
tax refund and repair your house or manicure your yard. Save even more by
becoming Mr. Fix-It for a day. </span><o:p><span style="font-family: "calibri";"> </span></o:p></div>
<br />
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<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><strong><span style="font-family: "calibri";">5.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></strong></span></span><!--[endif]--><span style="font-family: "calibri";"><strong>Save, Save, Save!</strong> <o:p></o:p></span></div>
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<span style="font-family: "calibri";">If you have an emergency fund already set aside, consider
saving for an upcoming large purchase you see in your near future. Maybe you
can add some of the funds to your Holiday Account. You can never do wrong when
you save your money.</span></div>
<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">6.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Fun?</span></strong></div>
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<span style="font-family: "calibri";">Fun?! Did she just list “Fun”? Yes, yes I did. There is
nothing wrong with spending your tax refund on a family vacation or that swimming pool
you’ve been dreaming of for years because you love swimming and reading a good
book near the pool while drinking some iced tea…oh, am I talking about me
again? Sorry, got a little bit distracted. Anyways, as long as your savings are
in order – have FUN with your tax re<b style="mso-bidi-font-weight: normal;">FUN</b>d!
See what I did there?</span></div>
<div class="MsoListParagraph" style="margin: 0in 0in 10pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><strong><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;"><span style="font-family: "calibri";">7.</span><span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "calibri";">Give to Others<o:p></o:p></span></strong></div>
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<span style="font-family: "calibri";">You can never go wrong by using your tax refund for the
greater good. Donate your funds to charities around town or use the money to
help someone else in need. The return will never seem sweeter.<o:p></o:p></span></div>
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-32921848610118017512016-01-08T07:38:00.002-08:002016-01-08T07:39:46.974-08:00New Year's Financial Resolutions<br />
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<span style="font-family: Calibri;">It’s that time of year again - time to pencil down your New
Year’s Resolutions. According to Statisticbrain.com, “Spending less and saving
more” is in the top three New Year’s resolutions in 2015. We are here to help! Although
New Year’s resolutions may seem cliché or redundant, they don’t have to be.
Resolutions can be a great way to start off the year with a fresh goal in mind.
U.S. Eagle has some ideas to help you accomplish your financial resolution –
Spend Less, Save More! <o:p></o:p></span></div>
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<span style="font-family: Calibri;">The first thing on the list is to create a budget.<span style="mso-spacerun: yes;"> </span>How many of our readers budget already? If
not, that’s okay – it’s never too late to start! According to Balancepro.net, a
<span style="mso-spacerun: yes;"> </span>good rule of thumb is to balance your
budget using the following breakdown: 35% housing, 15% debt, 15% transportation,
10% savings, 25% other. Check out your checking account and divvy up your
expenses under these categories…it’s surprising how much money we can spend in
one month on coffee or eating out. Identify where you overspend. You may
overspend on something and not even notice. Keeping track of your transactions
allows you to be conscious of every purchase and constantly aware of your
balance.<span style="mso-spacerun: yes;"> </span>Once you have created a budget,
find ways to make sure you stick to it! Some suggestions we offer are: direct
deposit, manually balancing your checkbook (not relying on online banking), and
setting a goal amount to have in your savings account at the end of the year. <o:p></o:p></span></div>
<br />
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<span style="font-family: Calibri;">Another financial goal that will never go out of style is
improving your credit score. Wallethub.com cites that “…the annual difference
in cost between good and bad credit is roughly $650 in credit card payments,
$1,400 on your auto loan and $2,300 on a mortgage.” That’s a lot of money you
could be saving! Keep in mind that debt is not always a bad thing; in fact, it
is necessary to build credit. One way to improve your credit score is to
maintain a credit card responsibly. Use the credit card and make your payments
on time or pay off the balance monthly. This will report positive information
to credit bureaus each month. If you’re in trouble with your credit score, U.S.
Eagle offers a <a href="https://www.useaglefcu.org/products/credit-card.php" target="_blank">Credit Builder Credit Card</a> to help you get back on your feet! <o:p></o:p></span></div>
<br />
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<span style="font-family: Calibri;">Our third financial resolution is to build an emergency
fund. Unexpected expenses happen and we need to be prepared for when that time
comes. What’s a good amount to have in savings? Six months’ worth of expenses is
a good starting point. Calculate how much money you spend every month on your
mortgage or rent, car payments, insurances, gas, groceries, etc. and multiply
this amount times six. Create your emergency fund based on that number. We encourage
you to save a little more than six months’ worth of expenses, but this will
take time. <o:p></o:p></span></div>
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<span style="font-family: Calibri;">Our fourth financial resolution recommendation is to utilize
automated payments. Avoid missing those due dates by scheduling payments to
come out of your account automatically. Missing a payment usually results in a
late fee, damage to your credit score, and lastly, a phone call to the company
asking for mercy for about thirty minutes. If you don’t like automated
payments, set up reminders. These alerts will notify you when a payment is
approaching. <o:p></o:p></span></div>
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<span style="font-family: Calibri;">Our last financial resolution for 2016 is to make financial
literacy a priority for you and your family. In a 2015 survey by Stanford &
Poor’s, the United States ranked 14<sup><span style="font-size: x-small;">th</span></sup> globally for financial
literacy. We need to work together to improve our understanding of managing
money starting with our youth.<span style="mso-spacerun: yes;"> </span>The internet
is a great resource to find information about budgeting, your credit score,
saving, and more. U.S. Eagle offers free financial literacy for youth. We also
offer free and confidential financial counseling and education through <a href="https://www.balancepro.net/partners/useaglefcu/" target="_blank">Balance</a>.
If you have any questions, come visit one of our friendly staff members who are
more than willing to assist you. Remember, our mission at U.S. Eagle is to
“Improve the financial well-being of each member and the communities we serve
through trusted relationships.”<o:p></o:p></span></div>
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-83379507190966424472015-11-12T16:15:00.000-08:002015-11-12T16:16:35.827-08:00Tips and Tricks to Help You Save During the Holiday Season<strong>The Holiday Season is upon us! Don’t worry – U.S. Eagle has your back. Check out these Holiday Tips to help you save during the Holiday Season.</strong>
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<br />
<ol>
<li>Budget, budget, budget. Before you map out your shopping route, grab a pen and paper, make yourself a cup of hot cocoa, and create a list of all the people you need to purchase a gift for. Once you make your list and check it twice, set a dollar amount for each person. Plan not to spend more than this amount. Extra credit: Write down some gift ideas for people on your list!</li>
<li>Before braving the holiday crowds, do your research. Track down the Sunday paper and check out what’s on sale at your favorite shopping spot. Score some coupons using mobile apps like “<a href="http://www.retailmenot.com/" target="_blank">RetailMeNot</a>”, “<a href="https://www.facebook.com/getflipp/" target="_blank">Flipp</a>”, and Target’s new “<a href="http://cartwheel.target.com/" target="_blank">Cartwheel</a>” app. Since we live in the Digital Age, take advantage of websites that price compare for you. Before you purchase something online, check out <a href="http://www.freeshipping.org/" target="_blank">FreeShipping.Org</a> and make sure you grab a free shipping code if it’s available! If possible, start your shopping early, saving it for the last minute tends to be an expensive and stressful adventure. </li>
<li>Use cash! Prepare for your on-foot shopping adventure by making your first stop at your financial institution. Take out your total budgeted amount and keep it separate from other spending money. Taking this precaution will lessen the chances of you overspending. U.S. Eagle is offering an <a href="https://www.useaglefcu.org/" target="_blank">Instant Holiday Loan</a> through the end of December. We can deposit the cash right in your account. No need to worry about overspending!
</li>
<li>Didn’t save for the holidays? Use plastic. I may be able to recommend one of the best <a href="https://www.useaglefcu.org/products/credit-card.php" target="_blank">credit cards</a> around…U.S. Eagle has some of the lowest rates in the state! If you choose to go this route, make sure you don’t overspend. You’re more likely to spend more using a credit card instead of cash.
Another tip, <a href="https://useaglefcu.org/creditunion/skipapay.php" target="_blank">Skip-A-Pay</a> at U.S. Eagle will give you some spending leeway this holiday season.</li>
<li>If you’re extra tight on money this holiday season, DIY projects are usually inexpensive and allow you to be creative. You can also create in bulk. Sugar scrubs, homemade cookies, coupon books, candles, ceramic tile coasters, embroidered handkerchiefs, or hand designed mugs are a few gift ideas that are affordable, easy-to-do, and personable for this holiday season. <a href="https://www.pinterest.com/" target="_blank">Pinterest</a> or a simple Google search will give you endless DIY ideas! </li>
<li>If you plan on purchasing lots of gift cards, take advantage of e-cards. A lot of retailers offer gift cards you can purchase online and send to someone via email for little to no cost! Use <a href="http://grannygiftcard.com/" target="_blank">GrannyGiftCard.com</a> to purchase gift cards at a discounted price. Personalization of your gift card is usually available on websites as well.
</li>
<li>If you’re a super shopper, plan on taking full advantage of offers on dreaded Black Friday and anticipated Cyber Monday. Prep yourself ahead of time, find the best discounts, map out shops in the city, and do your research. Beware – some of these “deals” are no better than shopping on a Tuesday or Sunday! </li>
<li>If you’re worried about your bank account with the holidays approaching, find areas you can cut back. Driving past Starbucks instead of going to the drive-thru twice a week will save you around $40 per month. Making your lunches at home instead of dining out and ordering water when you do dine out, will help save you some money too.
</li>
<li>Enjoy free activities around town. If you’re short on money this holiday season, check out Christmas light displays with your loved ones. Pack up your family in the car, put some delicious hot chocolate in a jug, and see beautiful light displays. Some other ways you can afford holiday cheer are: gathering your friends and family for a Christmas caroling journey, volunteering at local shelters and charities, or hosting a Christmas potluck. </li>
<li>Remember the reason for the season. Although a lot of stress may come with your holiday planning, remember your reason for celebrating. Spending time with family will always be more meaningful than presents. Volunteer some time at local charities and bake your neighbor some holiday cheer! Happy Holidays!
</li>
</ol>
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-17313918800295103542015-09-23T12:48:00.000-07:002015-10-22T15:43:24.234-07:00<br />
<span style="font-size: small;"><span style="color: black;">
<span style="font-family: Calibri;"><span style="font-size: x-large;"><strong>A Day in the Life of the Fraud Department…<o:p></o:p></strong></span></span></span><br />
<span style="color: black;">
</span><br />
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<span style="font-size: small;"><span style="font-family: Calibri;"><span style="font-size: large;"><span style="color: black;"><strong>Fast Facts:<o:p></o:p></strong></span></span></span></span></div>
<span style="font-size: small;">
<span style="color: black;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">- </span></span></span><!--[endif]--><span style="font-family: Calibri;">U.S. Eagle is the only Credit Union in the state
with a dedicated, local Fraud Department<o:p></o:p></span></span><br />
<span style="color: black;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">-</span><span style="font-family: "Times New Roman"; font-size-adjust: none; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;"> </span></span></span><!--[endif]--><span style="font-family: Calibri;">Our Fraud Department has been safeguarding
member information since 2008<o:p></o:p></span></span><br />
<span style="color: black;">
<span style="mso-ascii-font-family: Calibri; mso-bidi-font-family: Calibri; mso-fareast-font-family: Calibri; mso-hansi-font-family: Calibri;"><span style="mso-list: Ignore;"><span style="font-family: Calibri;">- </span></span></span><!--[endif]--><span style="font-family: Calibri;">Our Fraud Department consists of three
individuals who are constantly on the lookout for thieves trying to steal from
our members<o:p></o:p></span></span><br />
<span style="color: black;">
</span><br />
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<span style="font-family: Calibri;"><span style="font-size: large;"><span style="color: black;"><strong>Q&A with Tina in our Fraud Department!</strong></span></span></span></div>
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<span style="font-family: Calibri;"><span style="color: black;">I wanted to put the spotlight on our Fraud Department for a
month and let everyone know hard they work to protect our members. Today, we
will be speaking with Tina who is our Lead Fraud Investigator. She has been an
employee at U.S. Eagle for seventeen years and has been handling fraud claims
for fifteen years. Let’s hear what she has to say about fraud! <o:p></o:p></span></span></div>
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</span><br />
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<span style="font-family: Calibri;"><strong><span style="color: black;">Q: What does a typical day look like for the Lead Fraud
Investigator?<o:p></o:p></span></strong></span></div>
<span style="color: black;">
</span><span style="font-family: Calibri;"><span style="color: black;"><strong>Tina:</strong> Well, the main things I deal with on a daily basis
are: check card disputes, speaking with members affected by fraud, and working
with local law enforcement to prevent financial crime. <o:p></o:p></span></span><br />
<span style="color: black;">
</span><br />
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<span style="font-family: Calibri;"><strong><span style="color: black;">Q: What is your favorite part about working in the Fraud
Department?<o:p></o:p></span></strong></span></div>
<span style="color: black;">
</span><span style="font-family: Calibri;"><span style="color: black;"><strong>Tina:</strong> Helping our members who have fallen victim to fraud. I
immediately seek to remedy the situation as well as educate them on how to
prevent these awful scenarios from happening again. My goal is to turn a
negative beginning into a positive ending.<o:p></o:p></span></span><br />
<span style="color: black;">
</span><br />
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<span style="font-family: Calibri;"><strong><span style="color: black;">Q: What is the most common type of fraud?<o:p></o:p></span></strong></span></div>
<span style="color: black;">
</span><span style="font-family: Calibri;"><span style="color: black;"><strong>Tina:</strong> The most common type of fraud is check card fraud.
Comprises of large corporations have really caused some members a lot of
stress. My goal is take this stress away! Due to these compromises, our
member’s card information is basically available online. Their card numbers can
be purchased by thieves on the black market. Once purchased, the culprits will
create a copy of the card and use it to make purchases.<o:p></o:p></span></span><br />
<span style="color: black;">
</span><br />
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<span style="font-family: Calibri;"><strong><span style="color: black;">Q: How will members know if their card is being compromised?
<o:p></o:p></span></strong></span></div>
<span style="color: black;">
</span><span style="font-family: Calibri;"><span style="color: black;"><strong>Tina:</strong> Members will notice purchases they did not make. Once
they see these transactions take place, they should call us immediately to
close their card. We will have them come down to any of our branches, fill out
some paperwork and we will solve the issue as quickly as possible. Our call
center may also provide assistance with fraud disputes as well. We will also
reimburse the member the amount that was stolen from their account. In the end,
U.S. Eagle actually becomes the victim because we will always reimburse our
members.<span style="color: red;"> <o:p></o:p></span></span></span><br />
<span style="color: black;">
</span><br />
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<span style="font-family: Calibri;"><strong><span style="color: black;">Q: What’s a new type of fraud that you are witnessing?<o:p></o:p></span></strong></span></div>
<span style="color: black;">
</span><span style="font-family: Calibri;"><span style="color: black;"><strong>Tina:</strong> Mail theft. Mail theft consists of thieves stealing
physical checks from mailboxes. Once a check is in their possession, they steal
the identity of our member, and cash checks. For example, let’s say a member
pays their electric bill using a check and places the check in the mail. A
thief will come to the mailbox, steal the check, create a driver’s license and
a fictitious check using the information on the check, and go to a drive thru
and attempt to cash or deposit the check. <o:p></o:p></span></span><br />
<span style="color: black;">
</span><br />
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<span style="font-family: Calibri;"><span style="color: black;"><strong>Q: How can our members prevent fraudulent activity?</strong> <o:p></o:p></span></span></div>
<span style="color: black;">
</span><span style="font-family: Calibri;"><span style="color: black;"><strong>Tina:</strong> Members can protect themselves from fraud in a few
ways. I recommend pulling your credit report once a year – it’s free and allows
you to be aware of any suspicious activity that could potentially take place.
Another way is utilizing online banking. Checking your account regularly
ensures that the transactions are valid and that there is no suspicious
activity taking place. Lastly, stay up to date with current events and maintain
a healthy knowledge of potential fraudulent activity that could happen to
anyone.<o:p></o:p></span></span><br />
<span style="color: black;">
</span><br />
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<span style="font-family: Calibri;"><strong><span style="color: black;">Q: Any last words of advice for our readers?<o:p></o:p></span></strong></span></div>
<span style="color: black;">
</span><span style="font-family: Calibri;"><span style="color: black;"><strong>Tina:</strong> If you ever think you are a victim of fraud and or
your account has been compromised always know that U.S. Eagle Federal Credit
Union has a local fraud department that is here for you. The Fraud Department
can be reached at 505-342-8871.<o:p></o:p></span></span><br />
<br />
<div class="MsoNormal" style="margin: 0in 0in 10pt;">
<o:p><span style="font-family: Calibri;"> </span></o:p></div>
</span><br />US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-85754838592578032442015-08-06T15:18:00.000-07:002015-08-06T15:28:07.761-07:005 Tips for the First Time Car Buyer Congratulations! You’ve just graduated college. You landed a great entry level position making a salary of $33k. You live in an apartment with a friend from college. Life is good. You look outside your window and your beat-up old car with nearly 200,000 miles stares back at you. Driving to work every day is risky business as you anticipate the breakdown of your beloved first car from Mom and Dad. Now is the time to think about your first large purchase – a new vehicle.
Whether you’re starting a new job or starting a new college class – car buying can be tricky. Before traveling down the road of car buying, safeguard yourself using these tips and tricks!
<br />
<br />
<br />
<strong>1. Get pre-qualified.</strong>
<br />
Now that you’re on your own, more expenses will occur. Know how much you can afford before purchasing a vehicle. Representatives at your local Credit Union can assist you with getting pre-qualified. This gives you an advantage because you know what vehicle you can afford and decreases the chance of overspending on a vehicle. The bigger the down payment the better! Why? This decreases your monthly payment and allows you to budget accordingly. If you do not have enough credit established, you may need a co-signer. A co-signer can be anyone with a good credit score, but typically your parents or other family will be able to sign on the loan. The average car loan is generally five to six years; the longer the loan period, the more you will pay in interest. <br />
<br />
<br />
<strong>2. Prepare yourself and do your homework.</strong><br />
Before walking into a dealership, make sure you are prepared and have an idea of what you can afford and what type of vehicle you need. Do not rely on a salesman to educate you about their business. A salesman wants to make money, not save you money. Vehicles that are reliable, have great gas mileage, and fit into your budget seem like the obvious choice. The internet has an unlimited amount of resources available at your fingertips! Plan ahead before purchasing and take into account your current financial situation. Don’t forget to add in car insurance! Anticipate expenses that will accompany your new vehicle purchase such as: monthly car payment, insurance, gas, and any maintenance fees. <br />
<br />
<br />
<strong>3. Take someone with you.</strong>
<br />
Just like you wouldn’t jump out of an airplane for the first time solo, it’s wise to take someone with car buying smarts along for your first vehicle purchase. An experienced car buyer can help you avoid the traps first time car buyers fall into. <br />
<br />
<br />
<strong>4. New or used?</strong>
<br />
Getting pre-qualified will help you determine whether or not you can afford to purchase a new vehicle. A car or truck with some mileage is not a bad decision, especially when purchasing your first vehicle. If you are interested in purchasing a used vehicle, it is wise to take the car or truck to a mechanic for a second opinion. Do your due diligence and make sure you are getting the best deal for your money. <br />
<br />
<br />
<strong>5. Have fun!</strong>
<br />
Buying a car or truck for the first time may seem like a stressful scenario, but it is an exciting opportunity to learn about an important process and come out with a sweet ride in the end! Do not forget to take your potential new vehicle for a spin! Get behind the wheel and make sure you like the way it drives. There are hundreds and hundreds of vehicles out there, pick the one that’s right for you and won’t break the bank.
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0tag:blogger.com,1999:blog-3392233640496684678.post-76147296361267319082015-07-13T15:03:00.000-07:002015-07-13T15:03:20.338-07:00Credit Unions Rock - Here's Why<br />
<h3 style="margin: 0in 0in 10pt;">
Credit Unions Rock – Here’s Why:</h3>
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
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<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">I’ve been a member of U.S. Eagle Federal Credit Union since
I was just a little Coyote Kid. Back when I joined at the ripe age of ten years
old, I had absolutely no idea just how much Credit Unions rocked. Now that I am
an adult, I know how Credit Unions, in particular U.S. Eagle, can help me and
you achieve our financial goals. </span></div>
<div style="margin: 0in 0in 10pt;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">5 reasons why you <b style="mso-bidi-font-weight: normal;">shouldn’t<i style="mso-bidi-font-style: normal;"> </i></b>join a credit union:</span></div>
<ol style="direction: ltr; list-style-type: decimal;">
<li style="color: black; font-style: normal; font-weight: normal;"><div style="color: black; font-style: normal; font-weight: normal; margin-bottom: 0pt; margin-top: 0in; mso-list: l0 level1 lfo1;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">If you do not like saving money, RUN.</span></div>
</li>
<li style="color: black; font-style: normal; font-weight: normal;"><div style="color: black; font-style: normal; font-weight: normal; margin-bottom: 0pt; margin-top: 0in; mso-list: l0 level1 lfo1;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">If you do not like working with a local business
that maintains a heavy community footprint, RUN.</span></div>
</li>
<li style="color: black; font-style: normal; font-weight: normal;"><div style="color: black; font-style: normal; font-weight: normal; margin-bottom: 0pt; margin-top: 0in; mso-list: l0 level1 lfo1;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">If you do not like walking into your financial
institution where friendly faces greet you, RUN.</span></div>
</li>
<li style="color: black; font-style: normal; font-weight: normal;"><div style="color: black; font-style: normal; font-weight: normal; margin-bottom: 0pt; margin-top: 0in; mso-list: l0 level1 lfo1;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">If you like high interest rates and low returns
on investments (dividends), RUN.</span></div>
</li>
<li style="color: black; font-style: normal; font-weight: normal;"><div style="color: black; font-style: normal; font-weight: normal; margin-bottom: 10pt; margin-top: 0in; mso-list: l0 level1 lfo1;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Lastly, if you do not like having a say in the
way your money is handled, RUN.</span></div>
</li>
</ol>
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
<div style="margin: 0in 0in 10pt;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">It’s a pretty simple concept – Credit Unions really do rock.
</span></div>
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
<div style="margin: 0in 0in 10pt;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Typically, a savings account and checking account at almost
every Credit Union is free. That’s right – free. Once you open a savings
account, you’re now officially a member. I like to think of Credit Unions as
clubs. You’re a member of a club where your voice is heard and you decide how
things go – you’re the boss. Depending on where you are employed or what
organizations you are involved in will determine whether or not you can join a
Credit Union. Fortunately at U.S. Eagle, everyone can join! Oh, and did I
mention our savings accounts and checking accounts are free?</span></div>
<div style="margin: 0in 0in 10pt;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">One of my absolute favorite things about U.S. Eagle is our
huge community footprint. I have worked here for nearly a year and I am still
discovering different organizations we support. The best part? Employees have
the opportunity to contribute their time to charitable organizations. For
example, U.S. Eagle has signups for employees to volunteer their time at Rio
Grande Food Project, Casa Esperanza, and Meals on Wheels. We also have a whole
committee dedicated to community involvement called, “Community Involvement
Committee”. The purpose of this committee is to plan different fundraising
events, discover organizations to sponsor, and assist with community service
related projects.</span></div>
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
<div style="margin: 0in 0in 10pt;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">I can think of some pretty important relationships I have
made throughout my young life. One relationship that I have found essential is a
good relationship with the individual who handles my money. When I started
working at U.S. Eagle, I visited different branches to acclimate myself to the
company. Staff that had helped with my finances at some point throughout my
U.S. Eagle membership still remembered me! U.S. Eagle employees do their best
to help you succeed financially. You will always find a friendly face more than
willing to assist you.</span></div>
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
<div style="margin: 0in 0in 10pt;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Credit Unions are not-for-profit. This means that we do not
operate with the intention of bringing in the dough. We return what profit we
do make to our members through low interest rates on loans and credit cards,
and higher returns on your investments. Score! </span></div>
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
<div style="margin: 0in 0in 10pt;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Guess what? We have some good news! Once you’re a member at
U.S. Eagle you call the shots. How? </span></div>
<ol style="direction: ltr; list-style-type: decimal;">
<li style="color: black; font-style: normal; font-weight: normal;"><div style="color: black; font-style: normal; font-weight: normal; margin-bottom: 0pt; margin-top: 0in; mso-add-space: auto; mso-list: l1 level1 lfo2;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Volunteer and be elected to our Board of
Directors</span></div>
</li>
<li style="color: black; font-style: normal; font-weight: normal;"><div style="color: black; font-style: normal; font-weight: normal; margin-bottom: 10pt; margin-top: 0in; mso-add-space: auto; mso-list: l1 level1 lfo2;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Attend our Annual Meeting and have your voice
heard</span></div>
</li>
</ol>
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
<div style="margin: 0in 0in 10pt;">
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Our Board of Directors work on a volunteer-basis. They are
not compensated for their time and dedication to the Credit Union. They have
monthly meetings where they discuss the state of the Credit Union and how we as
a Credit Union can exceed our members expectations.<span style="mso-spacerun: yes;"> </span>Once a year, we hold an Annual Meeting and
invite all our members. This meeting is intended to address the questions and
concerns of our members. </span></div>
<span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">
</span><br />
<div style="margin: 0in 0in 10pt;">
<span style="font-family: Calibri;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">So why hasn’t everyone joined a Credit Union? Good question.
Maybe people like paying fees and watching the banks profit. Plus, a lot of
people don’t know just how great a Credit Union can be. Truth is that we aren’t
just great, we rock.</span> </span></div>
US Eagle Federal Credit Unionhttp://www.blogger.com/profile/08654586841755297173noreply@blogger.com0New Mexico, USA34.5199402 -105.8700900999999727.8015467 -116.19723859999996 41.2383337 -95.542941599999978