Blog

Money talks.

Our blog is written by experts — who also happen to be real people who have experienced the same financial concerns you have. Read on for real talk about real finances.

Save Money by Reading the Fine Print

It’s a recurring theme for financial success: know what you’re getting yourself into. Whether you’re opening a checking or savings account or applying for a loan, reading the fine print is one of the best ways to ensure you fully understand the financial product. Below, learn how to save money by paying close attention to the terms and conditions. Know your loan terms While applying fo... Continue Reading »

First Paycheck? Make it go further on a budget

Ah, there’s nothing like the thrill of getting that first paycheck from your first “real” job after college. You’ve probably spent it a million different ways in your head already, but before you use up the real thing, take a look at our tips for creating a budget. Get started on the right foot by allocating funds to savings, retirement, and more. And don’t worry: We’ll leave some room... Continue Reading »

Kick-Off Financial Literacy Month with our FREE resources

April is National Financial Literacy Month, and it’s also the first full month of spring, which means new beginnings. That makes it the perfect time to establish some fresh financial resolutions. Not sure where to start, or even what topics might interest you? No problem. SAC FCU has a wealth of resources that can help you boost your financial literacy: Blog posts Since you’re here, ... Continue Reading »

Estate planning – it’s not just for retirees

When many adults hear the words “estate planning,” they immediately assume it’s something their parents should be thinking about. But it’s worth considering at a young age, says Beverly Hobbs, AAMS®, an LPL Financial Advisor with SAC FCU Wealth Management, especially if you’re a parent or guardian. “We think of estate planning as planning for retirement, but it’s really not so ... Continue Reading »

Spring cleaning your wallet. Declutter your personal finances

Managing personal finances isn’t something you should put on cruise control – the more actively you manage your money, the more your money will work for you. It’s time to take a close look at your finances and figure out what you can do to better direct them. Consider it spring-cleaning for your wallet! A personal financial audit doesn’t have to be a tedious activity. It’s a relative... Continue Reading »

Planning a vacation on a budget

Whether you’re a college student considering what to do over spring break, a busy parent pondering family trip options, or a working professional who needs a recharge-and-refresh kind of breather, a vacation is likely just what you need. Fortunately, you don’t need to drain your savings account just to embark on some travel. When you plan a vacation within a reasonable budget, you can se... Continue Reading »

3 Important Steps to Transferring Credit Card Balances

If you’re chipping away at a mountain of credit card debt, you might feel like it’s a never-ending task. Part of the reason it can be hard to gain ground is high interest rates that continually add to your bottom line. If you’re looking at a pile of debt with a sky-high rate, a balance transfer might be a good option for you. While transferring credit card balances won’t magically make ... Continue Reading »

Debt Management: Breaking Bad Financial Habits

Being in debt can be a heavy burden to bear. Not only does it affect your wallet, but it can also have consequences for your emotional and physical health and more. But there is a light at the end of the tunnel: The biggest secret to getting and staying out of debt is changing your mindset about money. Here we explore the psychology of bad financial habits and offer tips for breaking them, to h... Continue Reading »

Tips to avoid identity theft

With reports of retail data breaches popping up all too often, identity theft protection is a real concern. No one wants to learn that their personal data has been compromised. Thankfully, there are steps you can take to help prevent ID theft. At SAC FCU, we’re advocates of being proactive about safeguarding your financial information and identity. That’s why we’ve posted several blogs on... Continue Reading »

Credit Repair: How to boost your score and get back on track

You’ve aced the interview for your dream job, and now the head of HR is calling. Confident and excited, you’re ready to accept the offer, but she has crushing news: You’re being turned down because of your low credit score. Being denied a car loan, mortgage or even a job because of a low credit score can be distressing. Here’s how to reverse a low rating and get back on track. Kn... Continue Reading »