News

Memorial Day Fun Without Breaking the Bank

It finally feels like summer and you have an extra day to relax, hit the pool or have friends over to grill. Here are a few ways to have fun on Memorial Day and not break the bank:

  • Try a staycation and check out what’s happening in your town. Enjoy a local festival, concert or gallery – or act like a tourist and see the sights.
  • Get your friends and family together and enjoy a day at the lake. Everyone can share their favorite dishes making a delicious, memorable and affordable holiday.
  • Before you paint the town green… with your money, set a budget. Know how much you can spend without touching your savings account.

Memorial day

Whatever you do, remember our soldiers who gave their lives for our country. For more Financial Education tips click here

Holiday Closure

City CU will be closed on Monday, May 29, 2017 in observance of Memorial Day. We will resume normal business hours on Tuesday, May 30, 2017. For your convenience, Online Banking, Mobile Banking and Easy Teller and ATMs are available 24/7 for all your banking needs.

Are You Sure You’re Not Forgetting Anything?

Finally, that dream vacation…and you’re not taking the kids! You’ve checked everything off the list and the kids are all set too… are you sure you’re not forgetting anything?

Will and trust

If you still have that unsettling feeling, maybe it’s because you are missing a will. A will or trust resolve certain problems that can arise when someone dies, like family feuds, loss of inheritance and a child’s guardianship.

Consider these important tips when setting up your will:

  • Consult a lawyer who specializes in wills and estates. State laws vary and an attorney can guide you through the process.
  • If you have adult children, do not transfer funds or accounts to them before your death. They can control (or deplete) your assets while you are still alive.
  • Always keep your will or trust updated and make sure others know where it’s securely stored.

So, when you’re embarking on a life event – marriage, starting a family or that European vacation – think ahead and save your loved ones a series of unfortunate events.

Traveling Fraud Tips

You’re super excited about your trip to Mexico. You have your bathing suits, your sun block, and your passport. What else could you need when there will be swim-up bars everywhere? How about a little extra financial security? Here are a few traveling fraud tips to get you on your way, worry-free:

  • Let City CU know you will be traveling: that way, we won’t restrict your card when we see an unexpected foreign transaction.
  • Exchange your money at a bank or airport rather than anywhere else in the country. You’ll get a better currency rate and dodge unwanted attention.
  • Avoid becoming a victim of identity theft. Do not carry your social security card, passport or birth certificate when you are out and about. Keep them locked in your hotel room safe.
  • Skip ATMs. Use your debit or credit cards instead, especially if they are fraud protected like City CU’s, or take minimal amounts of cash on your daily outings.
  • Do not use public Wifi hubs. Ask your hotel or airport for the official Wifi connection or take a portable Wifi VPN (virtual private network.)

Traveling fraud

Visit our Security Center for more ideas before you leave for a week in paradise.

The House She Grew Up In Paid For Her College

Home Equity is defined as 80% of the current value of the home minus any liens. With City CU you can use a home equity loan for anything – home repairs or re-decorating, pay off higher-interest debt, or to fund a family vacation. Better yet, to help pay your daughter’s college education.

City CU’s Home Equity Loan benefits:

  • No origination fee
  • Low, fixed rates
  • Easy online application
  • Easy payment options
  • Cash deposited directly into your City CU account

Home equity loan and college

Contact a City CU Associate for your Home Equity Loan here.

Save Watts For What Matters Most

Texas summers mean high electric bills. Our energy saving tips can save you money all summer long! So save your watts for what matters most:

  1. Turn your ceiling fans to spin counter-clockwise.
  2. Use shades, blinds, and drapes for climate control.
  3. Grill out more often. Using your oven in the summer heats up your home and makes your A/C unit to work harder.
  4. Open all your inside doors so that cooled air can flow freely throughout your house.
  5. Use copper bottom pots and pans: they use heat more efficiently when cooking.
  6. Air dry your heavy blankets and sheets.
  7. Reduce your water heater temperature from 140 to 120 degrees. This saves you energy and money while still keeping water hot enough for laundry and showers.
  8. When purchasing new appliances, look for the “Energy Efficient” label.
  9. Use solar outdoor lights.
  10. Dust the coils behind your refrigerator.
  11. Unplug battery chargers that are not in use and set your computer to sleep during times of inactivity.
  12. If using your dishwasher, let your dishes air dry.

Saving watts

For more tips on saving money, visit our Education page.

Mother’s Day On A Budget

A mother’s love is unconditional and priceless… so it may be hard to find the perfect gift for her, especially if you’re on a budget. Here are a few ideas that are affordable and heartfelt:

  • Give mom a good read either in a book or tablet. She needs a little escape for relaxation.
  • Customize anything for that one of a kind gift. An engraved bracelet, a monogram tote or apron or a personalized jewelry box for that special bracelet.
  • Book a spa day at a beauty school. Your mom will get the same quality service for a lot less: facials, mani/pedis and more!
  • Don’t forget mom’s juice! A special monogrammed wine glass and her favorite red will be a welcome treat.
  • Last, maybe mom just needs a break: make her breakfast, get the kids ready, clean the house and run the errands.

Mom2

Whatever you decide to do, don’t forget to add your unmeasurable love! Happy Mother’s Day from all of us at City CU!

April's Random Acts of Kindness Feeds Our Communities

City CU partnered with non-profits in our communities such as North Texas Food Bank, Four Rivers Outreach in Sherman, VISTO in Gainesville and Waxahachie’s Care Center to stock the shelves of their food pantries.

City CU and our Members together donated over $1,300 and more than 1,000 canned goods and non-perishable items. Thank you for helping us make the difference.

April-results

Learn more about City CU’s Random Acts of Kindness here.

Choosing The Right One

It’s hard to find the right one. Will the relationship be beneficial? Will it last? Will it drown you in debt?

Oh no, we’re not referring to finding the right significant other. We’re talking about finding the right credit card! Here’s where to start:

  • Begin by looking for a card to fit your lifestyle and spending habits.
  • If you plan to pay in full every month, the interest rate doesn’t matter – instead, avoid cards with an annual fee.
  • If you might carry a balance, then find the lowest interest rate.
  • If this will be your “go-to” card, look for a generous credit limit and rewards program that benefits you – like shopping rewards, cash back or airline miles.
  • If you plan to use the card for emergencies only, a simple card without a lot of perks and a low-interest rate might be your choice.

Choosing-the-right-one

Before you go out on the hunt – credit card hunt that is – click here to learn why a City CU Mastercard® is the right match for you!