Did you know?

Strong passwords protect your devices

Whether you wear or carry your device, adding a strong password or passphrase can help keep devices secure anytime, anywhere. A strong password can’t easily be guessed, is longer, and uses a mix of upper and lowercase letters, numbers and symbols.

Use scholarships first to pay for college

Look for scholarships before turning to financial aid to pay for college. Learn about the LGFCU Scholarship and find other resources at www.cfnc.org.

Put tax refunds to work.

Getting a tax refund? Consider using the funds to pay off debt or put into savings to improve your financial situation.

Make saving automatic.

Pay yourself first! Use automatic deductions from your payroll or checking accounts to make deposits in IRAs, mutual funds, or other savings and investment accounts.

Make your wishes known.

Leave clear instructions about medical decisions that need to be made on your behalf if you can't make them. A living will and a Healthcare Power of Attorney help make it easier for your loved ones to make tough decisions. Find out more about these important documents at Estate Planning Essentials

Life change? Update your will!

Remember to update your Last Will and Testament each time you have significant life changes such as marriage, divorce or starting a family. Find out how LGFCU can help you get it done with the Estate Planning Essentials Program.

Changing jobs?

Resist the temptation to withdraw funds from your retirement account. Roll your funds into your new employer’s plan or into an IRA to save you from taxes and penalties.

Ways you can save for college
Ways you can save for college

Lock down your home network.

Got guests? Create another wireless network name and password on your home router specifically for visiting devices. You’ll improve the security of your wireless network since it’s separate from the family network.

Shopping for a car?

Do a little research to get the best deal possible. Visit multiple dealerships  and don’t be afraid to walk away if you don’t like what the dealership is offering you. Or use a car buying service and leave the negotiations to a trusted source.

Regularly check your credit report

Check your credit report at least three times a year to make sure there are no errors on it. Find incorrect information? Contact the credit reporting agency to dispute it quickly. Visit www.annualcreditreport.com to view your official, free credit reports from Equifax, Experian and Transunion.

Start early for tax time.

Don’t wait until the last minute to get organized for tax time. Set aside an hour or two each month to gather and properly store receipts, cancelled checks, and other documents necessary to prepare your taxes. Take it one step farther by scanning your information.

Enroll in BillPay
Enroll in BillPay
Did you know you can make a stop payment request quickly? Here's how!
Did you know you can make a stop payment request quickly? Here's how!

Don’t take phishing scam bait

If you’ve ever gotten an email saying you won a prize from a contest you didn’t enter or that a foreign prince wants you to cash a check, then it’s probably a phishing scam. Thieves hope to trick you into sharing personal and financial details. Spot the signs of a phishing attack. If the message seems weird, don’t click; delete it.

You’re a member AND an owner

One member, one vote is how LGFCU members equally participate in electing the leadership, setting policies and making decisions about the Credit Union. It’s what makes credit unions different from banks. We’re a financial cooperative owned and controlled by members.

Tech support scams

If you get a call from someone saying your computer needs an emergency update, hang up. Don’t fall for this tech support scam designed to steal your money or worse, install a virus or malware on your computer. Only allow people you know and trust access to your computer. 

Enroll in Member Connect
Enroll in Member Connect
Tap, pay and go with Apple Pay
Tap, pay and go with Apple Pay
How to enroll in E-statements
How to enroll in E-statements
Tap, pay and go with Samsung Pay
Tap, pay and go with Samsung Pay

Make your estate plan today!

Don’t wait until your hair begins to gray to plan for your estate. Secure your wishes and intents in the present by completing your will, your health care directive, and a durable power of attorney.

LGFCU is a part of an international movement that puts people first

While our focus is North Carolina, we’re also a part of the worldwide credit union movement! That’s why in October we celebrate International Credit Union Day. This day is dedicated to member appreciation and the seven basic principles that make credit unions unique. See how LGFCU lives those values everyday.

Blow your budget? Don’t give up.

Okay, so you overspent and now you’re over budget. Don't get frustrated. Start fresh the next month and commit to stay in budget. If you need help with your finances get information here or make an appointment for financial counseling at a branch near you.

Review your will regularly.

If you created a Last Will and Testament several years ago, it might need updating. Try to review your will at least every three years. LGFCU can help you get it done with the Estate Planning Essentials Program.

Save for education. Get tax breaks!

Coverdell Education Savings Accounts and 529 Plans allow tax-deferred growth of investments and experience no taxes when withdrawn for qualified educational purposes.

Should you have a special needs trust?

If you have a disabled adult child receiving public benefits, a Special Needs Trust might be good to consider. This will help you gift money to your child upon your death while still protecting those public benefits. Talk to an attorney specializing in Special Needs Trusts to determine if this is right for you.

Big life changes? Review your insurance.

Have you recently gotten married or had a child? If so, you should review your insurance needs. Consider purchasing a Life Insurance policy or adding to what you may already have.

Help for a financial emergency

In case of an extreme financial emergency, avoid increasing your debt by borrowing against high-interest rate credit cards. And never visit a payday lender! A small, short-term, low-interest loan against future salary from a trusted lender like LGFCU may be your best bet.