Members Choice Credit Union's CEO, Cheryl Deborde, was presented the Frank Moore Outstanding Professional Award at the Kentucky Credit Union League Annual Meeting on August 27, 2021.
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Members Choice began establishing scholarship funds about two decades ago to benefit member-owners attaining a post-secondary education. Members Choice received more than 60 applications for this year's awards. Members Choice Scholarship Program has awarded $145,000 to date. The 2021 Scholarship Program will award an additional $22,000, bringing our total to $167,000 awarded to local students.
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If you shop online, you’ve seen a “Buy Now, Pay Later” offer everywhere from Amazon to Walmart. The idea is simple: Buy a big-ticket item and split the payments up over time. Even retail stores are getting into the act. #BNPL is interest-free, and it can be a good way to get something you really need in hand quickly. Where it’s a problem, though, is if you use it too much or for things you don’t really need and fall behind on the payments. Interest rates as high as 40% can kick in, along with some huge late-payment fees. Use BNPL if you need to, but use it wisely and make sure the payments are part of your monthly budget.
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Credit Union Magazine’s 2021 Credit Union Hero of the Year is Cheryl Deborde, president/CEO of Members Choice Credit Union, Ashland, Ky. The 14th annual Credit Union Hero of the Year Award recognizes a future-focused credit union professional for exemplifying the credit union philosophy of “people helping people.”
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You know you need to build up your savings, but it always seems to get bumped down on your to-do list. Well, let’s get started!
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Checking accounts are the easiest way to store money you’ll need access to quickly, and Members Choice CU is a great place to have one!
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Make sure your New Year’s #resolutions this year work out better than the ones in the past! We’ll show you how to set yourself up for success and get help along the way.
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The “Secret Sister” gift #exchange scam is back. It’s still illegal to participate, but now there’s a social media twist. We’ve got the info you need to stay safe!
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Headed #homefortheholidays but strapped for cash? We’ve got hacks to help you go in style!
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If #holiday stress is already nipping at your enjoyment of the season, we understand, and we’ve got tips to help bring the cheer back and keep it!
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Does the idea of crowded stores fill you with more dread than usual this year? We’ve got #holiday DIY gift hacks that will let you stay home and still give great presents!
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The #holiday season is upon us, and this year will be very … different. But we’ve got plenty of ways to enjoy the season while on a budget with apps and tips!
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We send gifts to our loved ones during the holidays as a reminder that we care for them. The countdown to the season of giving has begun, and for many, the next few weeks will be all about shopping, shopping……and more shopping.
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So, you’ve been hacked! Welcome to the 21st century, when it seems like this happens to us all. First off, check the damage and figure out if you used the #hacked password on multiple accounts. Every one of those will need to be watched closely. Change all your passwords to something more secure and varied (a password service is great for this). Protect your credit by disputing fraudulent claims and using a fraud alert or credit freeze. Let the authorities know, and be very careful going forward, as the effects of identity theft can take a while to surface.
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It’s time to check your financial #fitness! To be financially fit, you need to expand your financial knowledge, stick to a budget and minimize debt while knowing how much you owe. You’ll also want to watch your credit rating, keep your savings growing and avoid paying high interest rates on purchases by using cash or paying cards off every month. Set and meet firm goals, and be financially independent, not relying on gifts from friends and family or plastic to meet unexpected expenses.
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Whether you’ve been summoned for jury duty or not, there are #scams out there that will try to trick you out of money and personal info. The scammer will call or email claiming to be a government official and threaten arrest or other consequences if you don’t pay a fine for missing jury duty immediately. They might demand personal information such as your SSN, which they’ll use to steal your identity. Don’t fall for it! Contact the court where you supposedly missed your date, verify anything, and remember that scammers can spoof Caller ID and make their calls seem legit. Verify the facts yourself, then let law enforcement and your friends and family know about the scam!
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With so many of us shopping online these days, scams involving package #delivery are everywhere. They’ll claim you’ve got a package on the way and ask for personal information to confirm delivery. Or, you’ll get an email with a link to track the box that will hit you with malware or lead you to a page where your info will be requested. Watch for emails from non-secure domains, never share personal information with suspicious parties, and keep track of your order packages. Delete suspicious texts and block the number and mark suspicious emails as spam. Let local authorities and the FTC know about the scammers, too!
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Are you ready for #fall? We’ve got a suite of apps that will have your phone doing everything but brewing up a tall pumpkin spice latte for you. The #fallfoliagepredictionmap will help you find the best fall color, and #LeafSnap will tell you what kind of tree produced that beautiful leaf! #BigOven will get your kitchen smelling like fall, with tons of great recipes. If you’re hitting the road, the #KOA app has tons of handy features, and Corn Mazes America will show you all the best places to get lost!
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Even if you’re not using #TikTok, you likely see videos made on the app on your other social media feeds. President Trump has signed an executive order banning it unless it’s sold to a U.S. company. For now, it is still accessible, but its fate is uncertain.
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