Target Data Breach: Be Proactive to Prevent Fraud

Date December 19, 2013

The hot topic in the news today is the debit and credit card data breach at Target stores. According to Target, over 40 million debit and credit cards used at their stores between November 27th and December 15th may have been affected.

What does this mean? If you have shopped at a Target in that date range, and used a debit or credit card, you may want to take some steps to not only give yourself peace of mind, but ensure that your card will not be used for fraudulent transactions.

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Win $250 in Our Photo & Video Contest!

Date December 4, 2013

What would you do with an extra $250?

Enter our “I Love MCCU!” Photo & Video Contest today! It’s as easy as 1-2-3!

 

1) Get creative! Write a short poem or haiku, write a jingle, photoshop a photo (see above photo for example), or whatever you want!

2) Upload your entry by January 17, 2014 here!

3) Get your friends to vote for you – share on your Facebook page!

Voting starts January 18th! You don’t have to be a member to win, anyone can enter and win!

It’s easy to do, so don’t wait! Email us with any questions!

 Have fun and enter today!

5 Reasons to Get an Energy Loan

Date December 4, 2013

If you’re thinking about making energy-efficient updates to your home, you may be considering taking out an energy loan to help supplement costs. While you might be leery about taking on an additional debt, making your home more energy-efficient can be an excellent financial decision that you don’t want to pass up. There are countless reasons to apply for an energy loan to make improvements to your home, but here are five of the most important ones:

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Say Hello to the Sprint Credit Union Member Discount

Date November 26, 2013

If you’re looking to save with a #1 wireless company, then it might be time to say hello to the Sprint Credit Union Member Discount from Invest in America! As a member of Credit Union Name Here, you can save with the one that JD Powers & Associates ranks as the “Highest satisfaction with the Purchase Experience.”

Ways you can save:

  • 10% off*select personal Sprint plans
  • 15% off*select business Sprint plans
  • Waived activation fee on new activations
  • Waived upgrade fee
  • Available to new and existing Sprint customers

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Which Type of Mortgage Loan is Right for You?

Date November 20, 2013

When it comes time to buy your first home, understanding you options can be daunting. With so many different types of loans and mortgages available to you, it may not be immediately clear which is the right choice for your family. A basic understanding of the different types of mortgages can transform you into a more confident home buyer and will help you make a well-informed decision before taking the next step.

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Getting a new Mortgage Loan? Pre-Qualification vs Pre-Approval: What’s The Difference?

Date November 5, 2013

Buyers are out in full force, which indicates it is going to be competitive for homebuyers.  Since many homes are receiving multiple offers from prospective buyers, when you are ready to buy a home, you will need to be prepared to act quickly.  To that end, it is imperative that you have your mortgage financing in order before you begin house-hunting.

In years past, a pre-qualification for a mortgage loan may have been enough for a seller to seriously consider your offer.  However, today you’ll need to have a pre-approval letter to demonstrate you are serious about buying a particular home and that you have the financing in place to do so.  Here’s how pre-qualifications and pre-approvals differ.

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Protect Yourself From Identity Theft with eStatements!

Date November 1, 2013

Are you tired of checking your mailbox and finding nothing but bills, junk mail, and statements from your bank or credit union, your mortgage lender and your investment firm?

Is your mailbox locked? Can anyone access it? Identity thieves will go to great lengths to steal your personal information in an attempt to commit identity theft. One such method is to steal bills and statements from your mailbox. I’m not saying this to frighten anyone, but it is a reality. And there is a way to prevent this from happening, aside from getting a lock on your mailbox.

e-Statements is the answer. But are they safe? If your financial institution offers e-Statements, you can rest assured they did their due diligence to ensure that your access to your online statements is safe and secure. Here’s how it works at MCCU. You will receive an e-mail monthly (or quarterly if you only get quarterly statements) notifying you that your e-Statements are ready to be viewed. You simply log into e-Branch online banking, click on the e-Statements tab and voila – there are your statements. And not just the current statement; you’ll be able to view up to 18 months of previous statements as well.

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Buying a Home: Focus on Finding a Great Home, Rather Than the Perfect Deal

Date October 15, 2013

When you decide that you are ready to buy a new home, it is only natural to hope that you will find not only a suitable home for you and your family but that it will also be a perfect deal.  However, too often homeowners focus on finding the “perfect deal” and wind up missing out on what may very well have been a great home for them.  If you are looking to buy a new home, I encourage you to focus on finding a great home first and foremost, rather than merely looking for the “perfect deal.”

Here are reasons why focusing on the property itself, rather than the purchase price will serve you well.

  1. Unless you are a real estate investor by trade, the home that you purchase will serve as your personal haven for the next several years at least.  That is, your home is much more than just an investment.  It will be the space you and your family create memories in, entertain in, and most importantly, live in.  Focus on the future when looking to buy a home and picture your family within its walls, instead of merely looking at the price tag.
  2. Focusing on finding a great home will ensure that you find a property with most of your must-have amenities.  If your main concern is looking for the perfect deal, you may overlook home amenities that are actually far more valuable than the purchase price.  Consider school districts, proximity to work, family and friends, parking availability, lot size, storage & closet space to be home traits, which are, frankly, invaluable.

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Need a New Car? Your Credit Union Membership Gives You Three Great Ways To Save

Date September 30, 2013

Matadors Community Credit Union has three ways for our members to save on a new vehicle purchase.

First, General Motors is offering all current and eligible credit union members preferred pricing on most new GM vehicles. This is in addition to the most current incentives and special offers! Depending on the vehicle, you could save hundreds, even thousands of dollars on your next new Chevrolet, Buick, or GMC vehicle purchase just for being a credit union member.  Visit LoveMyCreditUnion.org to see how much you can save and request your GM Authorization Number.

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Save Money and Energy with Solar

Date September 9, 2013

Save Money. Save Energy. Go Solar.

If you own a home in the Valley (or anywhere else with extreme hot weather), you dread the summer and the high utility bills that come with it.

There is a solution – add Solar to your home!

Your utility bill can drop significantly when you generate your own solar. How much you save depends on the size of your solar system and how much electricity you use. And sometimes, when you generate more electricity than you need, the excess power goes back to the utility grid, and most utility companies (SCE/DWP) will pay you  or give you a credit for the electricity!

Protect yourself from rising utility costs

Unfortunately, utility costs tend to go up every year. And we’re not going to stop using our air conditioner when it’s over 100 degrees outside. But when you add solar to your home, you can protect yourself from these constantly rising costs and experience savings every year.

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