Personal - TravisCU Blog

Personal

Everyday money matters that affect you


Smart Financial Moves in Your 40's and 50's

1/29/2019

This article outlines simple steps to take in your 40's and 50's to advance your retirement planning.

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Brush Up on Your IRA Facts

1/29/2019

If you own an IRA, be sure you are familiar with all the latest rules governing them, including contribution limits, tax deductibility rules, and distribution guidelines.

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Not all lenders are created equal

6/5/2018

When lenders use alternative credit data, more consumers are approved.

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TransUnion eyes potential home equity boom. Will this boom mean you?

4/17/2018

Due to the current climate around home values after the 2008 crash, HELOC’s are primed for a comeback.

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To Spend or to Save – A Tax Question

3/13/2018

Finding the right ways to spend your tax return.

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Valentine's Day savings tips

2/13/2018

Spending less this Valentine’s Day is a possibility! Find out how!

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Do you need tax help?

1/30/2018

With tax season upon us, TCU is offering free tax return services for anyone in the community with a 2017 income of $54,000 or less.

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New vehicle models are hitting the lots for the new year

1/23/2018

Kelley Blue Book announces the best vehicle buys of 2018.

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Building a Budget in 10 Easy Steps

1/2/2018

Learn how to budget and get on the path to financial success.

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The season of giving is upon us

12/14/2017

A charitable donation might be the perfect gift this holiday season.

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Don't be money stressed this holiday season

12/5/2017

A healthy holiday budget can help keep your season merry and bright.

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'Tis the season to start shopping

11/16/2017

Conquering your holiday gift list doesn’t have to be stressful.

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Will you be ready for retirement?

11/14/2017

Data suggests that future retiree expectations differ from current retirement realities.

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Have you booked your holiday travels?

10/17/2017

Booking early can lead to a stress-free holiday.

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Healthy eating on a family budget

8/14/2017

Clean eats don’t have to come at a cost!

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Credit card utilization has major impacts on your credit score

8/3/2017

So how much credit should you really be using?

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In love with your credit score

6/20/2017

Studies show that credit scores may impact your dating prospects.

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Safely using your credit card while traveling

6/15/2017

These travel tips can help you enjoy your trip and keep your cards safe.

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Basics of car maintenance

6/9/2017

Extend the life of your vehicle with these simple tips.

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What teens should know about managing their money

6/7/2017

Teaching your teen personal finance skills will prepare them for the future.

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The steps in the home-buying process

5/30/2017

Be prepared to take this major financial step.

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Why aren't Americans saving more money?

5/19/2017

This study finds out why we don’t save enough.

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Tips for first-time homebuyers

5/1/2017

We’ve made it easier for you when preparing to buy a new home!

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Utilize home equity to pay for popular home improvement projects

4/25/2017

The renovation you’ve been wishing for might be worth your while.

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Auto maintenance tips for the everyday driver

4/17/2017

Keep your car healthy to stay on the road regularly.

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Prevent credit card fraud while traveling

4/6/2017

Thieves are always looking to take advantage of tourists.

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Refinance your home now to save for the future

3/30/2017

Reduce your monthly mortgage and allocate the money elsewhere.

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Take advantage of high home values

3/24/2017

Use the equity that has grown for something important.

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Americans still behind the 8-ball of credit card debt

3/16/2017

Even more people have a greater amount of plastic debt than emergency savings.

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Plan your dream wedding on a budget

3/14/2017

Your big day doesn’t have to cost an arm and a leg.

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Five ways to develop overall healthier habits

3/8/2017

Old habits die hard, but you can still make a change.

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Beware of phone calls from fake IRS agents

2/27/2017

Thieves are targeting unwary tax filers this year.

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Planning for international travel

2/23/2017

Here are some things to keep in mind before departing.

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Credit card debt continues to be a growing burden on Americans

2/8/2017

Interest rates projected to rise in the upcoming year.

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Details matter for first-time vacation home buyers

2/3/2017

Consider cost, location and agreements before making a commitment.

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Benefits of a pre-approved auto loan

1/31/2017

With a pre-approval, you can focus on the vehicle – not the financing.

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Credit card debt remains an issue for Americans

1/24/2017

Most households in U.S. have more than $15,000 in credit card debt.

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Paperless statements save time, money

1/18/2017

Transitioning to digital statements is an overall benefit to credit union members.

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Anticipate 2017’s tax bill now

1/13/2017

Get a strategy planned early this year so you’re not scrambling later.

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How to handle post-holiday returns

1/5/2017

Be prepared to show more than just a receipt.

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Build your savings nest egg over time

12/22/2016

Develop a strategy to accumulate cash over time.

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Help your child aim for high SAT and ACT scores

12/19/2016

Here are a few ways your child can prepare to give their best effort on either test.

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Beware of ATM security risks

12/14/2016

Remember to exercise these common safety tips.

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Keep safety in mind when banking online

12/12/2016

Cybercriminals are always looking for an easy way in – don’t give it to them.

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Put some thought into charitable donations

12/5/2016

Look into the organizations you’ll be giving cash to.

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Shop wisely this winter

11/22/2016

Don’t lose your focus during the holiday season.

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Home buyer trends see mortgage rates decrease as property sizes increase

11/21/2016

National Association of Realtors looks over 35 years of data to examine tendencies.

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As American incomes jump, importance of allocation does, too

10/26/2016

Easy to spend an increase in cash but better to examine overall cash flow.

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How GAP can protect your auto loan

10/18/2016

Protect yourself financially in case your car is totaled.

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College planning with your high-school senior

10/7/2016

Here’s how you can help your child prepare for college.

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Enrolling in community college has worthwhile benefits

10/4/2016

Reserving the jump to a four-year college can save you a lot of money.

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Scammers, fraudsters evolve with growth of technology

9/23/2016

Schemes to steal personal information will only increase and spread.

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Cyber security is a critical part of internet safety

9/19/2016

Do your part to make sure you don’t get duped.

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MYINSIGHT helps keep your financial goals on track

9/6/2016

Powerful, personal finances platform makes monitors spending, debts and net worth easy.

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Why credit card debt consolidation is a good thing

8/16/2016

Roll all your credit card payments into a single monthly bill.

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MYINSIGHT to debut in Online Banking this September

8/15/2016

Account aggregation helps simplify money management for members.

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Summer heat bring higher energy expenses

8/8/2016

Air conditioners can drive up an energy bill exponentially.

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Use of HELOCs are plenty

7/12/2016

Tap into your home’s equity for home improvement and more.

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The number of uninsured working adults drop

6/27/2016

The U.S. Census Bureau surveyed insured adults across U.S. counties.

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Jumbo loans bridge the gap between buyers, high-value properties

6/8/2016

Super-sized home loans can make a dream home purchase a reality.

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Internet safety will always be a priority

5/25/2016

As the web evolves, so will cybersecurity issues and the need to be vigilant.

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Don’t fall for a scam or swindle

5/20/2016

Jumping at what sounds like the first good offer could leave you in a financial hole.

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Small-town USA feel present in Atwater

5/13/2016

Members who bank in central valley love the comfort of the community.

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Merced Branch employees lend a helping hand

5/9/2016

Travis Credit Union employees commit to helping member save rent money, then help him move.

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Make sure the grad party isn’t a dud

5/4/2016

Follow these steps to have an unforgettable celebration.

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Here’s how to not get your college acceptance rejected

4/26/2016

Just because you’ve received an acceptance letter doesn’t mean you can stop attending class.

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Low gas prices dip into Consumer Price Index over winter

4/22/2016

With summer approaching, it is unlikely that the small dip will continue.

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Consumers still buying new cars

4/15/2016

Auto sales increase, along with the costs.

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Ride-sharing hasn't chipped into car sales – yet

4/8/2016

Sharing a vehicle may be cheaper but it isn’t always convenient.

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Health expenses can stack and appear quickly

3/30/2016

Be ready for unexpected health expenses, even if you think you don’t need it.

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Personal loans likely to be hot in 2016

3/21/2016

More than 34 million anticipating applying for one by the end of the year.

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Small-town feel is present in Atwater

3/16/2016

Members who bank in central valley love the comfort of the community.

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Merced Branch lends a helping hand

3/2/2016

Travis Credit Union employees commit to helping member save rent money, then help him move.

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How to look at your credit report

2/24/2016

Don’t rely on one agency or score for your lending worthiness.

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Social media is two-way career street

2/23/2016

Sharing too much can get you fired, but not posting enough may not get you hired.

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Make sure your FAFSA application is filed sooner than later

2/11/2016

Start early so your financial aid doesn’t get delayed.

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Finding a work mentor is valuable

2/9/2016

Learning the ropes is a key part to growing in any workplace.

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Tax refunds should flow smoothly

2/4/2016

Majority of taxpayers can expect refunds in less than three weeks.

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Scholarships start path to cost-free education

1/29/2016

Thousands of scholarships available for high school students in the U.S.

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Credit union values expected to increase

1/26/2016

As assets increase, overall numbers of credit unions expected to decrease.

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Update contact info to protect against fraud

1/22/2016

Cover yourself to fight against identity thieves and to be informed about your money in a timely manner.

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Online statements provide convenience, security

1/13/2016

Going paperless with financial documents can be a safe and secure way to review account activity.

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Financial counseling options available for various needs

1/7/2016

Regardless of your debt amount, a financial counselor or planner can help you better manage your money.

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Make improving your finances a New Year's resolution

12/30/2015

Start 2016 with steps to improve your personal finances and you’ll be better off a year from now.

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Your car might get hacked – seriously

12/28/2015

Recent incident with hacking of SUV brings awareness to security flaw.

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Donations to charity are a viable tax-deduction option

12/21/2015

If you think you’ll get stung come tax time in 2016, think about your options beforehand.

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Financial tips that are always beneficial

12/17/2015

Check out these reminders that will improve your finances throughout the new year and beyond.

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Submit college and financial aid applications now

12/4/2015

Admissions probability, likelihood of proper financial aid reward all comes with turning in forms well before deadlines.

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Start your holiday planning with these tips

12/2/2015

Here are some reminders to help you stick to your holiday budget and to be more prepared for the busy shopping season.

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Preparing your savings account for the holidays

11/30/2015

It’s best to make sure you have a surplus of cash as opposed to not enough.

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Home-buying seasons vary, but it’s ultimately up to you

11/13/2015

Potential homebuyers need to work backwards from their move-in date to determine when it’s right for them to buy a home.

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New auto models arrive with increasing technology

11/6/2015

Apple CarPlay one of the signature additions to 2016 models.

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Account email alerts are valuable financial tools

10/13/2015

Setting up email alerts for your financial accounts provide real-time notifications of transactions and other activities.

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Take advantage of Credit Union membership

10/7/2015

There are a few reasons why joining a credit union is better than being a bank customer.

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Credit union movement has world-wide reach, history

10/6/2015

International Credit Union Day had it stops and starts in the 1920s, but is now here to stay.

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What kind of investments are student loans?

9/24/2015

More people view student loans as a bad investment.

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Examining the path to home ownership

9/23/2015

The realization that you can own a home is the start of journey to closing escrow.

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Is driving your car damaging your skin?

9/16/2015

Sun protection may be needed even while driving.

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Take care of your parents as the years pass

9/11/2015

Your mom and dad aren’t getting any younger, they’ll need a watchful eye down the line.

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Rate at which homeowners protect valuables varies by region

9/4/2015

Survey shows homeowners vary in protecting their valuables.

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Where to go online for help with homework

8/26/2015

There are lots of online resources available when grade school students need to search the Internet for homework help.

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How many people are using Mobile Banking?

8/24/2015

More people are using smartphones for financial transactions more than ever.

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Laptops, mobile devices off back-to-school lists

8/20/2015

More frugal shoppers mean less spending on big-ticket school items.

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Credit unions offer better rates, lower fees than banks

8/17/2015

One financial institution’s goal is help its members achieve their financial goals, while the other is to cut a profit.

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Cal Grants can aid in cost of undergraduate education

8/3/2015

Those who qualify can receive over $10,000 per year in aid.

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Emergency savings versus credit card debt

7/24/2015

Credit card debt that seems safe and manageable can become an untenable burden if you’re experiencing a job loss or family medical emergency. That is one big reason why your credit card debt should never exceed the amount you’ve set aside in your emergency fund.

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Is bundling your insurance a good deal?

6/24/2015

Protection through one major coverage provider can have its benefits and drawbacks depending on how you approach the potential deal at hand.

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Five steps towards good money practices

6/12/2015

Being goal-oriented when it comes to cash can set you up for a bright financial future.

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Follow vigilant ATM and credit card safety basics while traveling

6/12/2015

If there's anywhere you should be "watching your back" the most, it's when you're withdrawing cash or making a purchase in an unknown place.

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How to protect your auto loans with GAP, MBI and MVP Insurance

6/8/2015

Avoid the powerless feeling of being unable to afford to fix your vehicle by securing protection at the beginning of your loan.

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Personal financial safety basics

6/6/2015

Just because it simplifies paying for things doesn't mean it's the best thing to do in terms of security.

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Protecting your home for a vacation

6/5/2015

Securing your most important asset should be priority No. 1 before packing your bags.

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Seeking financial counseling services

6/1/2015

When it all just becomes too much, it may be time to step back and get professional help.

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Crossovers lead the new vehicle charge

4/21/2015

New vehicle sales were up again in February, and the cross utility vehicle (CUV) segment took the biggest share, according to new data from the National Automobile Dealers Association.

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Tips to keep your mobile device secure

4/21/2015

Mobile devices such as smartphones and tablets are the mainstay in how we communicate today in this ever-changing digital world. Because these devices can gather a lot of your personal and financial information, there are risks if your smartphone is lost or stolen.

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Your supermarket may be changing

4/14/2015

An amazing change took place in America in January 2015 – one that will affect millions of American households each and every day. Was it a war, or the outbreak of a terrible new flu stain? No, it was the merger of Albertsons and Safeway.

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A third of Americans have no retirement savings

4/14/2015

It’s no secret that most Americans have too little saved to fund a happy retirement at age 65. Research shows there are millions of people in their 30s, 40s and 50s who have nothing set aside for their retirement years.

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Watch out for phishing scams

4/14/2015

The number and sophistication of phishing scams sent out to people continues to increase dramatically. While online banking and e-commerce are very safe, as a general rule you should be careful about giving out your personal financial information over the Internet, including email. You should be suspicious of any email with urgent requests for personal financial information.

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