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Matadors Money Matters Blog

Ways to Protect Kids, Teens & Young Adults From Getting Scammed8/18/2022

Regrettably, the possibility of "getting scammed" has become an all too familiar concern. Usually, due to personal experience, it has become nestled into the subconsciousness of our "adult" minds to tread cautiously. Unfortunately, however, an equally if not more disturbing occurrence is growing that we all must be aware of. These "scam artists," otherwise known as "criminals," are now, more than ever, targeting our kids, teens, and young adults. "Why?" you may ask. Well, one reason could be that it takes our youth longer to recognize and report the scam. AARP has reported that "Resolving child ID fraud took families an average of 13 hours, longer than when adults are victimized." In addition, the FBI reported that 14,919 scam incidents were reported by people under 19 in 2021, totaling a $101.4 million in loss to the teens that actually reported them. One can only imagine the true total, including those who did not report such fraud due to possible embarrassment or the risk of getting "in trouble" by their parents.

So, what can we do to guard our kids, teens, and young adults? First and foremost, is to educate kids on common scams and things that they should do to protect themselves. The more our kids are made aware, the more empowered they will be and the less likely they will fall into such scams!

We have highlighted two of the most common scam-related areas criminals target in gaining our students' personal information and money. Please continue to read the following for some resourceful insight that you can share with your kids. It is our sincerest hope the following takeaway will aid our kids, teens, and young adults and make them that much wiser as they head off to school or go online!

College Scams

For many, the "college experience" has been worked hard for, meditated on, and been the driving force in persevering through "hard times." So, the fact that criminals are scamming our young adult "kids" looking to afford college is nothing short of sickening. But, again, knowledge is power, and we hope the following will help guard you and your future college student(s) against any falsehoods that may be lurking. So, their college experience, from start to finish, is nothing short of amazing.

  • Scholarship and Financial Aid Scams - Sadly, scholarship and financial aid scams are an all-too-common trend. With the high price tags of schools, applying for multiple scholarships and financial assistance is not uncommon for those looking to attend college. And shamefully, scammers are looking to take advantage of this. Often, a scammer will call pretending to provide your student with financial resources. When doing so, the scammer will claim to need personal information and a bank account number to "deposit money" into the account. According to The National Credit Union Administration, "If you get a phone call from someone claiming that they need information to process an application, disconnect the call immediately. It's completely unnecessary for a legitimate scholarship provider to ask you to provide a credit card, bank account or social security number."

  • Fraudulent scholarship websites - Unfortunately, some scammers will set up fraudulent websites for those looking to purchase textbooks, apartments, or moving services, just to name a few. In doing this, the scammer is looking to collect email addresses, payment information, or other personal information for their own gain, leaving you with nothing in return.

Ways to avoid this from happening to your college student:

  1. Refrain from making online purchases without validating the website and checking online reviews.
  2. Check to see if the company is listed with the Better Business Bureau.
  3. Ensure the company has an actual physical address and phone number.
  4. If possible, get a referral from family or friends.

  • Paying for a Financial aid service - With deadlines and paperwork required for college entry and finding financial assistance, many can get overwhelmed and look for help in doing so. However, be careful! Many supplying this "service" will charge well over $1,000 for actions that the student or their family can complete for free! The FASFA is available and accessible for all to fill out for financial aid. Click here to find out more. In addition to this, you must be careful and do your research before trusting to hire for this task. Some scammers will use false information to fill out your applications for "more funding." If this happens, you could find yourself in a mess of trouble; any false information found on your FASFA could result in fines up to $20,000 and/or jail time!

The following are some "Do's" and "Don'ts" provided by the FTC when preparing for college and looking for financial aid and scholarship assistance.

  • Fill out the free FAFSA form to apply for financial aid. (It's the most crucial step you can take to get financial aid.)
  • Never pay anyone to fill out or process your FAFSA. That's probably a scam.
  • Talk with a guidance counselor (if you're in high school) or the financial aid office (if you're in college) about your financial aid and scholarship options.
  • Never pay at a seminar on how to get financial aid or scholarships. Especially if they pressure you to pay. That's probably a scam.
  • Do your research before you pay anyone for help with financial aid or scholarships.
  • Share these ideas with others looking for financial aid, too. You can help them avoid a scam.

As well, take a moment and visit the Federal Student Aid website provided by the Office of the US Department of Education. They provide free resources to help find funding for college.

Social media

Although many use social media platforms for positive reasons, others can take advantage and ruin that positive experience, making it turn negative quickly. According to the Federal Trade Commission (FTC), "More than one in four people who reported losing money to fraud in 2021 said it started on social media with an ad, a post, or a message." (Please click here for more information and statistics on social media fraud from the FTC.)

Unfortunately, with this, anyone is susceptible, no matter the age. Still, with the rise of kids, teens, and young adults on social media, they have unfortunately been a primary target for scammers to hone in on. Even the most tech-savvy teens and young adults have fallen victim. The following are some examples of how.

  • Fraudulent Social Media Profiles - Unfortunately, this is a common scam to be aware of. There are many scammers known to create fraudulent profiles. This could be a family or friend they think they may already follow or know. This can quickly and deceitfully gain the teen's trust and, often, gain the personal information they need.

  • Social Media Influencers (Sadly, there are two parts to this category.)

  1. "Someone" will casually glide into their direct messages and "offer" (what your child thinks is an exciting opportunity) to become an "influencer." They are giving false promises of sending your teen their products to use and promote. Sadly, your teen is left with nothing except the possible turmoil of identity theft in exchange for the personal information they have just given away.
  2. Another little-known fact to make our kids aware of… social media "influencers" get paid for the products they promote. Many influencers promote a product just to get paid without first validating the product. The age-old saying still rings true, "Don't believe everything you hear!" Review, dig and do your own research first.

  • Fraudulent advertising - Ready for this? Many social media platforms do not verify their advertisers! Therefore, you think you are being forwarded to a website to buy all your favorite brands only to be on a "duped" site! Many have mistakenly thought they are paying for the latest popular item to be delivered to their doorstep, only to be disappointed and confused when the item is never received.

Provided below, we have included some ways you can help protect your kids from social media fraud:

  1. Check your child's privacy settings on their social media accounts. For recommendations and how-tos, click here.
  2. Set positive online examples for your children by practicing safe online behaviors yourself.
  3. Limit and monitor the use of social media and messaging platforms.
  4. Platforms that allow users to direct/private message (DM), friend, or follow other users via public search pose the most significant concern.
  5. Always buy directly from the official website for the product you see on social media and are interested in.
  6. (Google has designed a website check safety tool! Check it out here.)

We also recommend you take a moment and check out some of the safety precautions the following social media platforms have provided. To view, please click on each name YouTube, Facebook, Instagram, TikTok, Twitter, and Snapchat.


Romance Scams and How to Avoid Them6/28/2022

Here are some "red flags" to be aware of and things to do if you or someone you know has gotten scammed.

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Ways To Make Your Home More Energy Efficient 6/8/2022

Here are some ways to help you make your home more energy-efficient, so you can possibly use the money you'll be saving towards paying off those unwanted bills or towards that next family vacation!

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5 Tips for a Successful FAFSA for Financial Aid9/25/2020

October 1st is the first day to submit your FAFSA forms to apply for financial aid for college. We’ve got the tips you’ll need to get through the process successfully!

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Is Now a Good Time for Home Improvements?9/3/2020

Thinking about upgrading your kitchen or bathroom, or painting the house? Read our latest blog post for home improvement tips and helpful information!

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Protect Yourself from Payment App Scams9/1/2020

Scammers are targeting unsuspecting users of payment apps like Venmo and Cash App for fraud. Read our latest blog post for more information and tips on how to protect your money.

 

 

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Affordable Financing for a New Air Conditioner8/5/2020

Is it time for a new air conditioner? We can help you beat the heat with affordable financing!

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Staycationing? Turn Your Backyard Into an Oasis!7/28/2020

Has your summer vacation turned into a #staycation? We’ve got ideas to turn your backyard into an oasis that will keep you and the kids happy!

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First-Time Homebuyers: Save Money on Down Payments & Closing Costs!7/20/2020

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Tap Into Your Home’s Equity When You Need Money7/15/2020

If you’re looking to finance your next home improvement project, consolidate debt, or pay for college tuition, consider tapping into your home’s equity with a Home Equity Line of Credit (HELOC) from Matadors Community Credit Union.

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Summer Vacation During Covid – Take a Road Trip!7/9/2020

If you’re opting for a low-key road trip for your family or friends this summer, we’ve got some tips to save money and make it a safe and fantastic vacation.

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Your Complete Guide to IRAs7/2/2020

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Buying a Home During Covid-196/29/2020

Before Covid you were ready to start your search for a new home, but that was halted? Is now a good time?

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Safety Options for Teen Drivers6/17/2020

Do you have a teen who will be driving soon? Read our latest blog post to learn about much-needed car options to keep them safe on the road.

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Off to College? Learn about Private Student Loans6/15/2020

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How to Dispute and Pay for Large Medical Bills6/11/2020

Medical bills can throw a carefully planned budget into ruin. Even with insurance, the remaining bills can be crippling. Read our latest blog post for tips on how to tackle this issue.

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Beware of the Key Fob Scam6/8/2020

You might think keyless entry is the greatest thing since sliced bread….but so do car thieves. Learn how they can steal the signal from your key fob and how to stop them.

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Don't Mistake Your Stimulus Payment for Junk Mail6/4/2020

If you’re waiting on a stimulus payment, keep an eye on your mail! You might get a Visa debit card in a fairly plain envelope that looks like junk mail. We’ve got all the info!

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COVID Medicare Scam6/2/2020

The U.S. Department of Health and Human Services Office is alerting the public about a new Medicare fraud scheme targeting seniors. Read on for more information.

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Shopping with Contactless Payments5/28/2020

Contactless payments are the safer way to shop. Have you added Apple/Samsung/Android Pay to your mobile wallet yet?

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COVID Contact Tracing Scam5/28/2020

Scammers are at it again, taking advantage of the public during these tough times. Read on to learn about the latest COVID Contact Tracer scam. 

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Check Your Credit Report Weekly – For Free5/21/2020

Great news! Now you can check your credit report weekly - for free! 

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Save on Insurance for Your Car and Home5/19/2020

We know that saving money is crucial, especially now. That's why we want to let you know about our member-only discounts on auto, home, and renter's insurance policies. 

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Video: Creative Ways to Save on Energy Costs5/14/2020

It's almost summer and it's going to get hot! We've got tips to help you stay cool.

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Financial Dos and Don'ts During the Coronavirus Outbreak5/12/2020

The coronavirus has a lot of people panicking, but keep a level head. Don’t sell all your investments or neglect your regular healthcare. Read further to get more tips, and be well!

 

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Celebrate Mother’s Day in Quarantine5/8/2020

Don’t let quarantine ruin your Mothers Day. We’ve got tons of ideas, from virtual craft projects and world tours to dinners together and even movie night. Get the info!

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Where is My Stimulus Check?5/7/2020

Are you still waiting for your stimulus check? Many Americans who filed tax returns and used direct deposit for refunds already have theirs. Find out when yours is due!

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How Should I Spend My Stimulus Money?5/5/2020

With stimulus checks and direct deposits heading out or already delivered, you might be wondering how best to use the money. We’ve got plenty of tips to help guide you to use it wisely.

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Beware of the COVID-19 Texting Scam4/30/2020

The coronavirus pandemic has been raging on American shores for several months, but scammers are still finding new ways to exploit the panic, fear and uncertainty surrounding the virus to con people out of their money.

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DIY Home Improvement and Maintenance Tips4/28/2020

Your home is where your heart is. For most of us right now, it’s also where our business is, our family is and our attention is. It’s safe to say your home is where you’re spending the majority of your time – and quite possibly a majority of your income – so make sure this investment pays off by keeping your home in the best shape possible!

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Shop Safely and Easily From Home With Sprint4/23/2020

Switch to Sprint and get $200 cash with Unlimited Plus or Premium. Plus $100 annual loyalty reward.

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Consolidating Debt with a Home Equity Line of Credit4/21/2020

By consolidating your high-rate credit cards and other debt into a single, lower-interest HELOC payment, you can reduce your total debt and pay it off faster.  

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How the CARES Act Stimulus Affects Your Student Loans4/16/2020

On March 27, President Trump signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act into law. If you have student loans and are experiencing financial hardship right now, here's what the CARES Act can do for you.

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All You Need to Know About the Paycheck Protection Program4/14/2020

The CARES Act is a huge piece of legislation, and an important part is the Paycheck Protection Program. It’s designed to help small businesses weather the current crisis. Get the details!

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Beware of Zoom Bombers4/9/2020

Don’t get Zoom-bombed! Find out how to keep your work and your kids’ school teleconferences safe.

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Stimulus Relief and Lending/Investment Scams4/9/2020

Scammers are continually seeking ways to take advantage of consumers during this unfortunate time. Please be aware of the following scams and please share this with your friends and family.

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All You Need to Know About the COVID-19 Stimulus Plan4/7/2020

The CARES Act stimulus is coming, but what does it mean for you? The checks will be nice, but who will get them and for how much? We’ve got all the information you need!

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Tax Deadline Delayed3/31/2020

The deadline to file taxes has been delayed due to the COVID-19 crisis. Read on for more information.

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Avoid COVID-Related Scams3/26/2020

Scammers are using the COVID-19 crisis as an opportunity to take advantage of unsuspecting consumers and businesses. Not only do we want our members to be safe and healthy, we want to make sure your money is safe as well. Learn about the scams and how you can protect yourself and your family.

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Can Experian Boost Help Improve My Credit Score?3/24/2020

Want to improve your credit score? Experian Boost™ can help!

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The President is Suspending Student Loan Interest; Here’s What it Means3/19/2020

On Friday, March 13, President Donald Trump announced he would be freezing student loan interest as part of a package of emergency executive actions designed to mitigate the economic fallout from the coronavirus outbreak. Continue reading for more information.

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What Should Be On My Financial To-Do List This Spring?3/17/2020

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What Documents Do You Need for a Home Loan?3/12/2020

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Are Your Home Appliances Eating Up Your Utility Bill?3/10/2020

Is your fridge on the fritz? Is your old washer/dryer eating up your electricity bill? When it's time to replace your appliances, MCCU can help! 

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How to Quickly Save More for a Down Payment for a Home3/5/2020

While there are many down payment assistance programs and loan options that can make the down payment a little easier to swallow, there are also a few habits you can implement to quickly save for a down payment.

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Time for a New Roof? Consider an Energy-Efficient Cool Roof!3/3/2020

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Upgrade Your Heating & Cooling System in Your Home2/27/2020

If you have an older system in your home, now is the time to upgrade and start saving money in the long run. And MCCU can help.

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All You Need to Know About VA Home Loans2/25/2020

If you’re a veteran or the spouse of one, a VA loan could be your best route to homeownership! Matadors Community Credit Union can help get the ball rolling, so make the call!

 

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5 Ways to Trim Your Fixed Expenses2/20/2020

Trimming your monthly expenses can save you big money in your budget. Look at everything from your mortgage to monthly subscriptions and see what you can trim!

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How Will My Insurance Premiums be Affected By a Car Accident?2/18/2020

You’ve been in a car accident. You’re OK, but what’s going to happen to your insurance premiums if you’re at fault? 

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Stay on the Path to Homeownership with These Budget-Friendly Tips2/13/2020

If you're thinking about buying a home in the next year, do you have a budget to keep you on track?

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Make Your Home More Energy-Efficient in 20202/11/2020

When you make any energy-efficiency upgrades to your home, from light bulbs to windows and solar panels, not only are you helping the environment, you’re helping to keep more of your money in your own pocket. And we can help make it happen!

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How to Create a Budget in 6 Easy Steps2/6/2020

Do you have a budget? It’s not as hard as you might think to make one. We’ve got a simple six-step process that will have you in full command of your finances in no time!

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How to Build Your Credit From Scratch2/4/2020

If you’re just getting started in the credit world, you’re going to need to build your file. Matadors Community Credit Union can help, and we’ve got other great tips to get your credit score up!

 

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How To Make Your Career Choice Fit Your Budget1/31/2020

Unless you want an ugly financial surprise when you graduate, it’s best to determine upfront if your proposed career path will support you. We can help you figure it out!

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Should I Refinance to a 15-Year Mortgage?1/29/2020

With mortgage rates falling, many homeowners are rushing to refinance their 30-year mortgages into 15-year loans. Borrowers may be wondering if this is a financially sound move to make for their own mortgage. We’ve researched it and worked out the numbers for you so you can make a responsible, informed choice.

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8 Creative Ways to Save on Heating Costs This Winter1/23/2020

Are you dreading the winter heating bills? We’ve got a set of hacks that will help you stay toasty warm without setting fire to your checking account!

 

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All You Need to Know About Data Breaches1/22/2020

Data breaches are everywhere, and sometimes it seems like you’re powerless to protect your data. Well, you’re not! We’ve got tips to help you minimize your risk.

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Budgeting Tips for Home Buying in the New Year1/16/2020

Now that the holidays are behind us, it’s time for many to start budgeting to purchase a home this year. Here are a few tips to get your budget on track and get you on the road to home ownership.

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How To Dispute an Error on Your Credit Report1/14/2020

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Help Your Child Open Their First Savings Account1/9/2020

Have you thought about opening a savings account for your child? This milestone can be an invaluable introduction to the world of personal finance and will acquaint your child with the most important aspect of money – saving.

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Beware of the Fake Check Scam Targeting College Students1/7/2020

Fake check scams aren’t just a problem for older folks. The biggest (and most profitable) target for these crimes are students! Find out how to protect yourself.

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Taking Steps Toward Financial Improvement for the New Year1/2/2020

We’re going to give you a break from New Year’s resolutions that involve the gym. This year, how about getting your finances in shape? MCCU can help!

 

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5 Things to Consider Before Buying a Home12/30/2019

Buying a home, especially for the first time, can seem cumbersome and confusing. We are here to help!

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Get Your Maximum Refund and Special Savings on TurboTax12/26/2019

Tax time is right around the corner and it doesn’t have to be stressful! MCCU members get special savings on TurboTax to help you do your taxes for 2019. Read on for more information!

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Be Financially Prepared for 202012/24/2019

2020 is almost here – are you ready? Usher in the new year with plans for financial improvement and resolutions to do more. We've got some tips to get you started.

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5 Questions to Ask a Real Estate Agent12/19/2019

Buying a home is undoubtedly one of the most difficult decisions you’ll make. We've got tips to help you!

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Teach Your Kids to be Savvy Savers for the New Year!12/17/2019

What's the best gift you can get your child this year? No, it's not a Steam gift card or a new XBox. It's the gift of financial smarts. Teach them now so when they are adults, they will be on their way to financial freedom.

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All You Need to Know About Applying for FAFSA12/12/2019

It’s time to get your FAFSA forms done and start the wheels turning on the financial aid process for college. We’ve got the advice you’ll need to get through the process successfully!

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How Can I Make New Year's Resolutions That Stick?12/10/2019

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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5 Financial New Year's Resolutions12/5/2019

The new year is quickly approaching - have you set your New Year resolutions yet? Here’s a simple set of New Year’s resolutions that will revolutionize your financial life.

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Empty Your Wallet Before You Go Holiday Shopping12/3/2019

It's holiday shopping time and the scammers are out there. We've got some great tips to help you stay financially safe!

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How to Recognize and Protect Yourself from Scams11/29/2019

There are scams everywhere out there, and the scammers are merciless. Find out how you, your kids and other family members can stay safe with our guide!

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How to Get Credit Union Financing at the Dealership11/26/2019

Black Friday is just a few days away – if you’re in the market for a new car, now is the best time to buy one! Dealerships want to get rid of their 2019 inventory to make room for 2020 models, so they typically offer great deals this time of year.

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All You Need to Know About Home Loans11/21/2019

A mortgage is likely to be one of the biggest financial deals you ever make, so you need to know all the facts. Learn what types there are and how to prepare, then contact us to guide you through the process!

 

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Beware of the Apple Support Scam11/19/2019

Now Apple users worldwide are being targeted by a familiar sort of scam with some high-tech new tricks such as spoofed phone numbers. We’ll help you steer clear!

 

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6 Misleading Advertising Ploys to Watch Out For this Black Friday11/14/2019

The deals are out there on Black Friday, but if you’re not careful you’ll end up falling for “deals” that aren’t really deals. We’ll give you the info on how to keep from getting taken!

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Video: Credit Card Rewards Points or Miles: What’s Best For Me?11/12/2019

There are so many credit cards out there - how do you know which one is best for you? Watch our latest video to find out!

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Is Buying a Home In The Winter a Good Idea?11/7/2019

Buying a house in the winter isn’t as silly as it might sound. There are some big advantages to house hunting in the cold. Check out our tips!

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Fall Into Tax Planning11/5/2019

While most people don’t start thinking about their taxes until February or even April, the best time to make changes is this year.

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Year-End Retirement Savings Strategies10/31/2019

Whether your retirement unfolds as a beautiful dream or a scary nightmare depends largely on the financial decisions you make today. But if retirement planning is brand-new to you, you're not alone.

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Should I Lend Out My Credit Card?10/29/2019

What should you do when a friend asks to borrow your credit card? We’ll give you all the reasons you need to keep your wallet closed (and your friendship intact)!

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All You Need to Know About Your First Student Loan10/24/2019

The real talk is this: college isn't cheap. And sometimes federal aid, if you can get it, doesn't last long. So how do you manage your student loans? We've got tips!

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6 Ways to Keep Your Finances Intact This Holiday Season10/22/2019

It’s time for holiday shopping, and we can help! We’ve got shopping tips, budget advice and other info to keep your holidays jolly!

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Top 5 Reasons Why Selling Your Home Yourself is Not a Good Idea10/15/2019

Selling your home? Read our latest blog post to find out why using a professional Realtor is better than selling it yourself. 

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13 Creative Ways to Save For a Home Down Payment10/9/2019

How much do you have saved for a down payment on a home? For many would-be homebuyers, saving up enough funds to cover a down payment and closing costs often feels like a monumental task. Luckily, you may be able to purchase a home with far less money down than you thought.

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Should I Refinance Before I Retire?10/3/2019

Should you refinance before retirement? If you pick the right mortgage, you can reap significant rewards! We can help!

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All You Need to Know About Share Certificates10/1/2019

As an institution devoted to your financial wellness, MCCU offers several secure options for your savings. One of our most popular savings products is our share certificates, commonly referred to by banks as CDs.

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Home Improvement Ideas to Maximize Your Investment9/26/2019

Owning your home is a great feeling, but how can you maximize that investment so that when the time comes to sell, you can get the most bang for your buck?

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Understanding the Credit Card Trap9/24/2019

Whether you're applying for your first credit card, or you've had them for a while, it's always a good idea to learn how to manage your cards without going into debt.

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Why You Should Get Your Next Car Loan at Your Credit Union9/19/2019

If you need a car loan, don’t go through the dealership! Matadors Community Credit Union will give you a great rate without high-pressure sales. Check us out before you shop!

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How To Get a Student Loan with No Credit9/12/2019

Credit—the ability to borrow money and repay it with interest—is a fact of life. Credit history is required if you’re applying for a car loan, mortgage, or a student loan. But the tricky thing is that many students haven’t had enough time to develop a credit history of their own before they begin college.

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Video: How to Avoid an Overdraft Fee9/10/2019

Paying an overdraft fee is something we all want to avoid. Watch this short video for tips on how to keep that money in your account!

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Buying a Home With Student Loan Debt9/5/2019

Student loans can pose problems for many first-time home buyers trying to qualify for a home loan. This isn’t a news flash for most of us with student loan debt, but it also doesn’t have to mean the end of the road for the dream of homeownership.

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Nail Down a Great HELOC Intro Rate!9/3/2019

Whether you want to make home improvements, pay tuition or just sneak off to some exotic locale for vacation, we want to help!

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How Much Money Should I Keep in my Checking Account?8/29/2019

How much should you be keeping in your checking account? Too little and you could be in trouble. Too much and you lose interest earnings. We can help you figure it out!

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MCCU Voted Best Auto Loans for the Second Year in a Row8/27/2019

MCCU was voted BEST AUTO LOANS for the second year in a row in the Los Angeles Daily News Reader's Choice awards!

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5 Benefits of Investing in Condos for First-Time Buyers8/21/2019

If you're a first-time homebuyer, would you consider a condo vs. a single family home? Read our latest blog post for some benefits of condo ownership!

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All About Flex Share Certificates8/20/2019

If you're looking for a safe, but flexible, savings vehicle for your money, a Flex Certificate may be the right account for you!

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Share Certificates: How to Keep Your Money Spinning8/15/2019

You work hard for your money and when you invest, you want safety and a decent return. This is where a Share Certificate comes in. 

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Your Complete Guide to Identity Theft Protection8/13/2019

Identity theft is unfortunately a reality right now. We’ve got a list of simple steps you can take to keep yourself out of the thieves’ crosshairs!

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Do My Monthly Bill Payments Affect My Credit Score?8/8/2019

Boosting your credit score can seem tough, especially if you’re young or don’t have a lot of credit already. Fortunately, there are services that can help! We’ve got solutions.

 

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7 Steps to a Mid-Year Financial Checkup8/6/2019

Give yourself a financial checkup before the summer gets away from you! From credit score to investments, from debts to resolutions, it’s time to look under the hood!

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What is an Estate Plan and Do I Need One?8/1/2019

You've probably heard the terms Estate Plan and Living Trust, but do you know what they are, and do you need one? Read on for valuable information. 

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GAP Insurance: What is it and do you need it?7/30/2019

When you buy a new car, you get car insurance to cover any accidents, right? But what happens if your car is totalled? Will traditional insurance cover it? Read on for more information.

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Need an Advance on Your Paycheck? Our Advance Pay Loan is the Affordable Solution7/11/2019

Before you go to a high-cost Payday Lender, ask us first about our affordable Advance Pay loans!

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The Credit Union Difference Part 2 - What's in a Membership?7/9/2019

As a member of Matadors Community Credit Union, you get lots of benefits, from friendly service and great rates to community support. It’s a great thing!

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Is a Personal Loan the Answer To My Urgent Money Need?7/4/2019

When you need money fast, talk to us first about a low-rate Personal Loan and see if we can help!

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Your Child's First Car7/2/2019

Is it time for your child to start driving? They'll need a car - so if you're looking to buy one for them, read our latest blog post for some helpful tips!

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Borrowing Against Your 401(k) - Is It a Good Idea?6/27/2019

When you need money fast, for whatever reason, should you borrow against your 401(k)?

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Feeling Stuck in Your Car Loan? Might Be Time to Shop Around!6/25/2019

If you're paying a high rate for your car loan with another lender, consider a refinance with MCCU and you may save money on payments!

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6 Money Myths You Need to Know About6/20/2019

How many money myths have you fallen for? Read our blog post and see how many of these common misconceptions have made their way into your financial outlook!

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The Credit Union Difference: The History of Credit Unions6/18/2019

You know your local credit union offers great products and service to help you manage your money, but do you know the history of the credit union movement?

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Top 7 Home Improvements You Can Do With a Little Help From MCCU6/13/2019

If you've been putting off much-needed (or wanted) home improvements, read on for some helpful tips to do it affordably, with a little help from MCCU!

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A Pre-Approval Helps Homebuyers Compete6/11/2019

Shopping for a home can be exciting and nerve-wracking. When the market is tight, and you’re competing against multiple offers – especially when some of those offers are for cash – it can be downright frustrating. Read on to find out why you need a pre-approval before you shop for a home.

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3 Tips to Getting Financial Assistance with Your Down Payment6/6/2019

Is a large downpayment stopping you from buying a home? Read on for some tips on how to purchase a new home with a lower down payment.

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A Guide to Opening Your First Credit Card6/4/2019

If you’re taking that big adulting step of opening your first credit card, you need to read our tips on what card to pick and how to manage it! 

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Need Help Paying for College? Consider a Private Student Loan5/30/2019

If you or your child are off to college soon, or already there, and you need some extra financial help, consider a Private Student Loan from Sallie Mae® and MCCU!

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Beware of the Latest Social Security Scam5/28/2019

Scammers are trying very hard to defraud people of their hard-earned money. Read on for the latest social security scam and learn how to avoid becoming a victim.

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3 Ways Your Credit Union Can Help Fund Your Summer Vacation5/23/2019

Is the beach calling? Are the kids carving mouse ears out of soap? It’s vacation time! We want to help you make your dream trip a reality!

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Which Features Should I Look for In a New Car?5/22/2019

Shopping for a new car? You’ll have as much fun picking out the features as the vehicle. We’ve got lists of all the most important options to help you make your picks!

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8 Ways to Spot a Home Improvement Scam5/16/2019

Ready to get some home improvements done? Watch out for scams! They’ll take your money and leave you without a roof over your head. We’ve got all the info!

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4 Ways to Use Your Home's Equity5/14/2019

If you own a home, you may have equity in it (your current property market value minus your mortgage balance and any other liens you may have on your home). Find out how you can use that equity, at a very low cost.

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College Students: Be Smart About Credit Cards5/9/2019

When you start college, credit card companies start hitting your student mailboxes with multiple credit card offers. Unfortunately, many students accept these tempting offers, use the cards enthusiastically, and then find themselves – even before they graduate – way over their heads in debt.

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Raise Money Smart Kids5/7/2019

We all want what's best for our kids - and that includes financial smarts. Read on for some tips to teach your kids how to be money smart!

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Buying Your First Car5/3/2019

Congrats—you’re ready to purchase your first car! The process can be daunting, but we will walk you through it. Follow our guidelines for a stress-free ride!

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Be Aware of Credit Score Scams4/25/2019

Your credit score is so important. Without it, you wouldn't be able to get a loan when you need it, and more. That's why it's so important to protect it. Read on for important information regarding a recent scam that uses your score to gain your personal information. 

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Mortgage Rates are Dropping - Should I Refinance?4/23/2019

Are you thinking about refinancing your mortgage? Rates are low right now, but there’s a lot more to think about than just that. Get the info before you decide!

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Home Improvement Hacks4/18/2019

You don’t need to spend a fortune to give your house a new look this spring. Read on for a list of home improvement hacks and learn how to upgrade your home on a budget.

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Beware of Tech Support Scams4/16/2019

The FTC is warning of a surge in tech support scams, many of which can be difficult to spot. Read on for more information.

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How Can Refinancing My Car Benefit Me?4/11/2019

Car owners typically refinance for one of three reasons: to lower monthly payments, to save on interest charges, or to get cash to cover an expense or help manage other debt. To determine whether refinancing makes sense for you, take a good look at your current loan and financial picture.

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5 Ways to Spring Clean Your Finances4/9/2019

Spring is here! Time for some spring cleaning of your finances! From getting rid of debt to getting your savings on track, we’ve got tips to help!

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Choosing the Best Financing Option for Solar4/4/2019

When it comes to installing solar for your home, we know you have many choices for financing. When you finance with MCCU, you'll enjoy low rates and much more.

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How To Start The Homebuying Process4/2/2019

If you’re thinking about purchasing your first home, you may feel overwhelmed or confused on where and how to start. What are the first steps? Who should you talk to first? What professionals should you use?

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7 Signs You're Living Beyond Your Means - And How to Fix Them3/28/2019

Does life just seem too expensive? You might be living beyond your means. We’ve got 7 ways to tell if you are, and tips to help you get your money back in line!

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4 Reasons to Use Online Bill Pay3/26/2019

Wishing you didn’t have to write another check to pay your utility bill, gardener, or homeowner’s association? We’ve got the solution that saves you time and money—online bill pay.

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Personal Loans: Keep Your Borrowing in Check3/21/2019

Personal loans are a low-cost alternative to credit cards or other high-rate loans. If you've got bills you want to consolidate, or an emergency arises that you don't have the savings for, a Personal Loan with MCCU may be your solution. 

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Mechanical Breakdown Insurance (MBI): What Is It and Do I Need It?3/14/2019

Auto insurance is required in most states. It makes sense to protect your investment and yourself and others in the event of an accident. But what happens when your car just stops working or something breaks? Those situations aren't covered under traditional auto insurance, but can be costly and inconvenient none-the-less.

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The Difference Between a Fixed-Rate and Adjustable-Rate Mortgage3/7/2019

Fixed rates or adjustable rates? What’s the difference between these terms and how do they affect you? It’s a question you may be asking as you begin thinking about your home loan process.

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Watch out for Student Loan Scams3/5/2019

 If you’ve got student loans, there are scam artists looking to take advantage of you while offering to help. We’ve got all the info you need to steer clear!

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7 Steps To Purchasing an Auto Insurance Policy2/28/2019

Looking for a new auto insurance policy? We've got tips to help you with the process!

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Your Complete Guide to Homeowners Insurance2/26/2019

Lost in the homeowners insurance maze? Balancing coverage with premiums and deductibles can make your head spin. We’ve got tips to help!

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College Students: Be Smart about Credit Cards2/21/2019

When you get to college, you start getting hit with multiple credit card offers. Read on for some tips to manage your credit wisely.

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5 Ways to Pay Off a Loan Early2/19/2019

Want to get out of debt? Who doesn’t? You can take small steps that add up to big interest savings and earlier repayment. We’ve got the info!   

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Top 5 Fuel Economy Tips2/14/2019

Unless you have an electric car, you are shelling out a lot of money for gas. Don't fret - we've got some tips to help you ease the pain at the pump.

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Your Complete Guide to Renter's Insurance2/12/2019

If you’re a renter, you need insurance! It can replace your stuff, pay your living expenses and much more. Get all the facts here.

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2019 Tax Code Changes2/8/2019

There are some huge changes to the tax code for 2019. Your deductions, retirement, credits and much more are different. Get the info!

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Beware of the Latest Tax Scams2/5/2019

Scammers are everywhere, but during tax time, they find creative ways to try to take advantage of people. Read on for information on the latest tax scams and learn how to avoid them. 

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College Scholarships, Grants and Loans - What do they Cover?1/31/2019

Students and their families have plenty of options to consider when it comes to paying for college tuition. From scholarships to grants to loans, filling the gap can be a confusing proposition. Before deciding what options are right for you, there are a few important tips to keep in mind.

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7 Reasons Not To Skip a Home Inspection1/24/2019

Found your dream home? Don’t sign anything until you have an inspection! It’ll save you money, heartache and even avoid safety hazards. Read our tips!

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How Your Credit Score is Calculated1/22/2019

Do you know what your credit score is or how it's used? Read on for valuable information on how your credit score affects you.

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The Benefit of Opening a Health Savings Account1/17/2019

Are you or someone you know on a high-deductible health plan? If so, you may be able to take advantage of the benefits of a Health Savings Account (HSA). 

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5 Things to Consider Before Buying a Home1/15/2019

Buying a home is a huge undertaking, but one that is rewarding and exciting. Whether you're buying your first home, moving to a bigger home, or even downsizing, there are several factors to consider. 

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Video: 4 Steps to Credit Repair1/10/2019

Consumers are sometimes faced with taking steps to repair tarnished credit. Here are four steps to help make that happen.

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Do I Need an Emergency Fund and a Rainy Day Fund?1/8/2019

Do you have money saved in case of an emergency? Rainy day and emergency funds are a must, and we have tips to help you set them up and feed them!   

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6 Ways to Earn Money Online1/3/2019

Want to make money online? Who doesn't? From taking surveys to being a consultant, we’ve got several ways to fill your wallet from your keyboard!   

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Financial Goals for the New Year1/1/2019

It's a new year and now is the time to think about your financial goals. Read on for some helpful tips!

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6 Financial Mistakes People Make in Their 20s12/27/2018

If you’re realizing that your 20s are behind you and the party is over, we’ve got ways to get your money life back in order for your future!

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Making the Holidays Count12/25/2018

Happy holidays! We’ve got great tips on how you can make the most out of your holiday break time while still having plenty of fun.

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New Year's Resolutions for 201912/20/2018

New Year's Resolutions don't have to be about losing weight or finding love. They can be all about your finances too! Set up some realistic goals for yourself for 2019 and have a financially happy 2019!

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5 Ways to Improve Your Credit Score12/18/2018

Having a good credit score means you'll have access to better interest rates when you need a loan. We've got tips to help you improve your score!

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7 Scams to Watch Out For This Holiday Season12/13/2018

 Don’t let holiday scams spoil your happiness! We’ve got warnings that will help you steer clear of all the naughtiest crooks looking to ruin your joy! 

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Tax Reform 101: 5 Reasons You Should Start Planning12/11/2018

Learn about important tax changes, plus as a MCCU member, you can save money on TurboTax products!

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What You Need to Know About Inheriting an IRA12/6/2018

Inheriting an IRA can have a host of tax implications and brings a ton of requirements. We’ve got quick guide to help you make best use of your new IRA!

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Do You Need an Estate Plan or Living Trust?12/4/2018

As a MCCU member, you have access to discounted Estate Planning services, prepared by experienced attorneys. MCCU has partnered with Affinity Trusts to offer members a quality estate plan.

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How Should I Fund My Holiday Shopping?11/29/2018

Is holiday shopping turning your happiness into a lump of coal? We’ve got tips to keep your debt load low and your spirits high this season!

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Don't Be a Victim of a Social Security Scam11/27/2018

Help fight SocialSecurity scams! Tell anyone collecting benefits to beware of calls and emails “from” SSA, and to never give out personal info. Read our tips!

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Reduce Your Holiday Stress11/20/2018

Your shopping list is a mile long. Your social calendar is jam-packed. Your patience is wearing thin, and your budget is stretched to the max! If your holiday mantra is “Bah humbug” rather than “Ho ho ho,” try these tips to reduce your stress and enjoy the season.

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Why Do I Spend So Much Money Shopping Online?11/16/2018

Online shopping can eat up your budget if you’re not careful! We’ve got plenty of info on how retailers trick you into spending and how to beat the game.

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Fake Check Scams on the Rise11/13/2018

You’ve won the lottery! Or have you? Fake check scams are back in a big way, but we’ve got the tips you need to steer clear of the scam!

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5 Tips for Staging Your Home to Sell During the Holiday Season11/8/2018

Selling your home this holiday season? Staging your home can increase the likelihood of a sale, and attract more potential buyers. Read on for some tips to help you successfully stage your home during the holidays!

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Prevent Debit Card Fraud: Steps You Can Take to Keep Your Card and Account Safe11/6/2018

With the holidays around the corner, you’ll probably be using your debit card more frequently for purchases. Scammers know that there will be more frequent use, so we want to offer some tips to help avoid the hassle of having your card compromised.

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7 Ways to Save on Thanksgiving Costs11/1/2018

Thanksgiving doesn't have to chew a hole in your budget! We’ve got great tricks to cut costs dramatically.

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How Not to Bust Your Holiday Budget10/30/2018

Parents want their kids to have the best holiday ever, and that sometimes means getting them everything on their holiday shopping list. But how can you balance giving them what they want and not breaking the bank? We've got some helpful tips to do just that!

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3 Mortgage Scams and How to Beat Them10/25/2018

If you're in the market for a new home, or a refinance, be cautious of scams that do happen. Read on to learn about some of the most common ones to look out for.

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Holiday Hacks for Traveling College Students10/23/2018

Headed home for the holidays but strapped for cash? We’ve got tips to help you go in style!

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Financial Tips for Single Parents10/19/2018

Single parents face the same budget and finance issues as couples, but they go it alone. We’ve got tips to help you get control.

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Video: How Much Should I Save?10/16/2018

Saving money for a rainy day is a smart idea. But how can you do that on a limited budget? We'll show you some tips on how you can save and how much you should be saving!

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Creative Ways to Save on Energy Costs10/11/2018

Even though Summer is over, now is a good time to put into place good energy-saving habits.Try these simple steps to get your bill under control.

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Video: What is Budgeting and Why Is It Important?10/9/2018

Do you know how much money you have to spend on clothing, vacations or even your weekly Starbucks run? With a good budget in place, you'll ensure you won't overspend and leave yourself in a financial bind. 

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Beware of Mortgage Fraud10/5/2018

If you’re buying a new home, you’ll want to read our alert about a scam that could cost you big. Get the info on avoiding mortgage scams! 

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When Debt Consolidation Can Be a Good Move10/2/2018

Credit card balances, personal loans, student loans and more – anyone with debt knows it can get overwhelming. Read on for some helpful tips to consolidate your debt and pay it down faster!

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It's Financial Aid Season: 5 essential FAFSA tips 9/28/2018

Do you have children ready to start college soon? It's almost October 1st and that means it's time to fill out your FAFSA (Free Application for Federal Student Aid) to get some help paying for college! 

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How to Save for a Down Payment on a Home9/26/2018

Find out some easy tips to save up for a down payment for your next home!

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Fall Into Great Savings at MCCU!9/21/2018

Looking for a safe place to put your hard-earned money? MCCU is offering a special high-rate Certificate that is federally insured, and can offer you a fantastic return.

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Beware of the Latest Online Blackmail Scam9/18/2018

Online blackmail is back, and the scammers want your money! They’ve got old data to scare you with, but with our tips, you’ll stay out of their clutches.

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Bridge Loans: Looking to Buy While You Are Selling?9/13/2018

Buying a home is thrilling and exciting and terrifying all at once.  Add in the fact that you haven’t sold your current home, and there are many more moving parts to your transaction.  In a hot real estate market, sometimes you have to jump in and make an offer before you’re quite ready (or able) to sell your current home.  If you have a hefty savings account and income sufficient to qualify for both of your mortgages, it might not be a problem, But for millions of homeowners, this scenario requires a different solution. 

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Q&A: New Cars vs. Used Cars9/11/2018

New car or used? It’s a tough decision, with advantages and disadvantages on both sides. Let us help you with our handy guide, and great credit union financing! 

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All You Need to Know About Buying a Used Car9/6/2018

Nervous about buying a used car? Avoid the horror stories with our tips on everything from finding your ride to checking it out and closing the deal!

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5 Reasons to Open a Money Market Account8/30/2018

Money Market (Savers Plus) accounts are a great way to let your money grow faster than it will in a  regular savings account while still having access to it! Keep a minimum balance and stick to a specified number of withdrawals per month and you’ll see much higher interest rates. At MCCU, your account is insured by NCUA up to $250,000, and you can access your funds easily!  

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MCCU Voted BEST Auto Loans!8/27/2018

MCCU was recently voted Best Auto Loans in the Los Angeles Daily News Readers Choice Awards.

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What is a Flex Certificate?8/22/2018

MCCU has a great alternative to traditional CDs and share certificates. Get the facts on Flex Certificates and update your financial picture today!

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Don't Get Caught in a Free Trial Scam8/16/2018

Does that free trial sound too good to be true? It probably is! Learn about the latest scams and how to keep your info safe!

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Should I Refinance Before I Retire?8/14/2018

Should you refinance your home before retirement? If you pick the right mortgage, you can reap significant rewards! We can help!

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What Can I Do About Robocalls?7/26/2018

Do robocalls annoy you?  Tired of being pestered by robots trying to sell or scam you? Take action! We’ve got tips to keep your phone robocall-free!

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MCCU Members Get Exclusive Discounts from Love My Credit Union Rewards7/24/2018

red heart with text: Love My Credit Union Rewards

Everyone loves to save, especially on products and services you use every day.  That's what Love My Credit Union Rewards is all about.  Members have saved nearly $2 billion in discounts from valued partners through Love My Credit Union Rewards. You can save too with valuable discounts from these partners:

  • Get a $100 cash reward for each new line you activate with Sprint, up to 3 lines. Plus, get a $50 cash reward every year for as long as you are a Sprint customer.*
  • Save up to $15 on TurboTax federal products!
  • Get an exclusive smoke communicator and a $100 gift card with a new ADT monitored home security system. Call 844-703-0123 to activate this special offer.
  • Get trusted protection at true savings with the TruStage Auto & Home Insurance Program.
  • Shop and get cash back at over 1,500 online retailers with Love to Shop.

To find out more and learn about other valuable discounts, visit LoveMyCreditUnion.org. You get all these offers and discounts just for being a MCCU member! Share this great member benefit with your friends and family!

 

*Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Avail. for eligible credit union members & member employees with qualifying corp. id. (ongoing verification). $100 Cash Reward for new smartphone line activ. up to 3 lines. Req. activ. at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrs., replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. No add’l. discounts apply. Loyalty Reward: $50/line/yr. Cash Reward up to 3 lines when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $50 Cash Reward for up to 3 smartphone lines transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit lovemycreditunion.org/sprintrewards & click on “Cash Rewards Tracker”. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2018 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.


Earn More with an 18-Month Certificate!7/20/2018

You work hard for your money. That’s why we want to give you the best return we can! Open an 18-Month Certificate for your regular or IRA money and earn 2.50% APY1! With only $1,000 needed to open, you can’t go wrong with this federally insured Certificate!

Want a different term? Check out our other Certificate options!

Certificate special 2.50% APY 18 month term, $1,000 minimim restrictions apply

APY=Annual Percentage Yield. Rate as of 7/26/18 and is subject to change. Membership required to open Certificate account. Penalty for early withdrawal. Dividends are compounded and paid monthly. Fees may reduce earnings. Certain State and Federal penalties may apply to IRA accounts, please consult your tax advisor. See disclosures for special features and requirements. Each member account is federally insured up to at least $250,000 by the NCUA, a US Government Agency.


Help Your Child Open Their First Savings Account7/20/2018

Starting your child on the right financial path will help them to grow into financially responsible adults. At MCCU, we want to help. That's why we offer Youth Savings accounts!

Continue Reading "Help Your Child Open Their First Savings Account" »

Video: Money Hack - How To Save on Your Mortgage7/19/2018

Want to refinance your mortgage or get a new loan? Find out more about our Mortgage Loans today!


What's the Best Way to Finance a Home Renovation?7/17/2018

Time to fix up your home? Before you take out a personal loan or run up a credit card, check out home equity lines of credit. A HELOC might be just the thing!

Continue Reading "What's the Best Way to Finance a Home Renovation?" »

How Many Credit Cards Should I Have?7/12/2018

Credit cards affect your FICO score, but how many should you have? The answer is kind of twisty, but we’ve got tips to help boost your scores!

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Look Before You Pump: Don't Get Scammed at the Gas Station7/10/2018

Using your debit card at the pump can leave you open to skimming. We’ve got helpful tips to keep you clear of the crooks!

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7 Questions to Ask Yourself Before Making a Large Purchase7/3/2018

Before you sign off on a big purchase, it’s a good idea to think it through. We’ve got some tips to help you get the most for your money!     

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Zero Percent Financing: What You Should Know Before You Shop6/28/2018

Does it make more financial sense to take the 0% financing or the rebate when I'm shopping for a car? Read our latest blog post to find out!

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8 Steps To An Energy-Smart Home6/26/2018

Want to make your home energy smart? Read on for some valuable tips! And, get information on our Home Energy Loans!

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7 Ways to Spot a Loan Scam6/21/2018

You need a loan! There’s a million easy cash offers out there, and a lot of them are scams. Let us help you spot the fakes!

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Getting Married? Here are 5 Ways to Budget for Your Wedding!6/19/2018

It’s your wedding day! Can you save money on everything that goes with it? Absolutely! We’ve got tips and tricks to make your Special Day a bargain!

Continue Reading "Getting Married? Here are 5 Ways to Budget for Your Wedding!" »

Student Discounts!6/14/2018

Take some of the cost out of student life with huge student discounts from companies like Amazon, Microsoft and Adobe. Who says you can’t catch a break!

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Learn About the Latest Scam: Smishing6/12/2018

Heard of smishing? It’s just like phishing, but with text messages. Be careful or you’ll text away your identity! We’ve got all the info!     

Continue Reading "Learn About the Latest Scam: Smishing" »

Video: Why Your Child Should Have a Youth Savings Account6/8/2018

Opening a youth savings account for your child and helping them learn the ins and outs of personal banking teaches them, from a young age, how to be smart with their money. Watch this video to learn more, and find out how a MCCU youth savings account can help!

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Debit Card Safety6/5/2018

Your debit card is a great way to pay, but be smart about where you use it! A little caution can go a long way to protect your financial information.

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Money Tips: What to Grab and What to Skip in June5/30/2018

Ah, June! Summertime, and the shopping is easy! We’ve got the insider info on what to buy and what to skip in summer’s first month.

Continue Reading "Money Tips: What to Grab and What to Skip in June" »

Saving Smarts - Teaching Kids Smart Money Management5/25/2018

We want our kids to be money savvy. Our latest blog post offers tips for conversation starters and more for you to teach your kids money skills! 

Continue Reading "Saving Smarts - Teaching Kids Smart Money Management" »

Should I Refinance My Home Mortgage?5/22/2018

Want to refinance your house? It can save you thousands, but be sure you’re doing it for the right reasons. Our guide will help you decide!

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4 Ways to Bring Your Dream Kitchen to Life5/15/2018

Looking to freshen up your kitchen? It’s less expensive than you might think to give the hardest-working room in your house a new look!

Continue Reading "4 Ways to Bring Your Dream Kitchen to Life" »

Beware of Tech Support Scams5/10/2018

Scammers demanding access to your computer to “fix” problems are on the prowl. Find out how to identify the fakes and keep your data safe!

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Mother's Day Savings5/8/2018

Did mom teach you to be thrifty? Show her you were paying attention with a thrifty Mother's Day celebration. Show your love AND your good sense!

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Dispelling Myths and Misconceptions About VA Loans5/3/2018

Are you a Veteran? Read on for a look at the benefits of these underused and misunderstood loans.

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Protect Yourself from Identity Theft5/1/2018

Identity theft is one of the most nefarious crimes out there. Read on for seven ways to help protect yourself.

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Be Aware: Social Media Scams 4/26/2018

Social media scams are the biggest online threat today, and you can get buried under fake friend requests, bogus links and other cheats. Read our tips to stay safe!

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How Should I Use My Tax Refund?4/24/2018

Got your tax refund? You might be tempted to spend it all, or maybe your friend needs a loan. We’ve got some better ideas!

Continue Reading "How Should I Use My Tax Refund?" »

Video: Why You Should Get Pre-Approved for a Car Loan4/19/2018

Get pre-approved for a MCCU Car Loan now!

Want to skip the Dealer trip? Shop for your new car now with Autoland!


Buying a Home: The 20% Down Myth4/17/2018

Contrary to what most people think, you do NOT need 20% down to buy a house! See our tips on other mortgage options, and on why a lower down payment might be a great idea!

Continue Reading "Buying a Home: The 20% Down Myth" »

5 Things to do Today to Help Your Future4/12/2018

College can be fun, but it’s also time to prep for the real world! Read our tips and you’ll be a big step ahead when it’s time to graduate and go job hunting!

Continue Reading "5 Things to do Today to Help Your Future" »

How To Fund an Emergency4/10/2018

Got a money emergency? From personal loans and credit cards to 401(k) loans and borrowing from family, you’ve got options … but choose carefully!

Continue Reading "How To Fund an Emergency" »

7 Ways to Spring Clean for Extra Cash4/5/2018

Don’t let spring cleaning get you down! You can sell your excess stuff of all types to make some extra cash after you clean. We’ll show you how!

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Rising Interest Rates4/2/2018

Interest rates on everything from credit cards to mortgages are on the rise, but at least your savings will earn better returns!  Get the facts!   

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Why Choose a Credit Union?3/27/2018

Fed up with fees and poor service? Looking for great service and better rates on loans and deposits? Join a credit union!

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A Dozen Tricks To Sell Your Home Quickly3/21/2018

 If you’re getting ready to sell your house, we’ve got 12 tips that will help you get a buyer quickly and sell for a great price! You’ll be closing in no time!

Continue Reading "A Dozen Tricks To Sell Your Home Quickly" »

Protect Yourself from Medical Identity Theft3/19/2018

Medical identity theft is the latest threat to your finances. Scammers get your Medicare or insurance information and wreak havoc! We’ve got tips to stay safe.   

Continue Reading "Protect Yourself from Medical Identity Theft" »

Saving on Home Renovations3/14/2018

Is it time to remodel your kitchen? We’ve got tips that can save you thousands of dollars and still leave you with the gourmet enclave of your dreams!

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How To Use the Money Envelope System3/9/2018

Monthly budgeting is a necessary evil, but the envelope system can make it easy! Split up your money, spend carefully and don’t cheat and you’ll do great!

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Teaching Kids About Working for Your Money2/27/2018

One of the most fundamental financial lessons your kids are going to have to learn is about how you work for your money. 

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What Were the Actual 2018 Tax Changes?2/26/2018

Are you confused about all the taxcode changes this year? Ready to file your taxes but worried about making mistakes? Rest easy!  We’ve got a rundown on all the changes!

Continue Reading "What Were the Actual 2018 Tax Changes?" »

What To Look For In Your First Job2/26/2018

Is graduation coming soon for you? With college ending, it’s time to start your job hunt. We’ve got #tips!

Continue Reading "What To Look For In Your First Job" »

How to Talk Money With Your Partner2/22/2018

Ready to talk about money with your partner? It doesn’t have to be a fight! Use our tips to make it friendly, productive and simple.

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7 Easy Ways To Give Your Kids A Financial Education2/13/2018

Do you have young children or grandchildren? Have you talked to them about money and finances yet? It's never too early!

Continue Reading "7 Easy Ways To Give Your Kids A Financial Education" »

MCCU on the KTLA Morning News!2/12/2018

KTLA Weekend News Anchor Chris Burrous talks about his visit to MCCU and more!

 


FAQs About Share Secured Loans2/8/2018

Wondering about share secured loans? Here’s all you need to know about this unique product that can provide a low interest rate plus credit building and repair.

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Don’t Panic: Filing Taxes As A College Student2/5/2018

Imagine skipping a day of class, then coming into the next session and seeing a test. You open the packet and see what appears to be gibberish staring back at you. Everyone else around you seems to have a perfect grasp of what’s going on, but you’re just stumbling in the dark.

Continue Reading "Don’t Panic: Filing Taxes As A College Student" »

Ready, Set, Go.... to College!2/2/2018

The process of a child leaving home is a major milestone that is made extra complex because of the emotions it generates. The reality, though, is that there are some very concrete things that can be done to smoothe this transition.

Continue Reading "Ready, Set, Go.... to College!" »

What is a Health Savings Account and Can I Open One?1/24/2018

If you're on a high-deductible health plan and want to get a possible tax break, you should consider opening a Health Savings Account (HSA). It allows you to make tax-deductible contributions, and the earnings in your account grow tax-free.

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Energy Saving Tips – What To Look For When Buying New Appliances1/22/2018

Don’t let a new appliance drive your power bill up! We’ve got tips to help you pick the right one for your needs!

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Six Tax Scams to Avoid1/18/2018

Tax time is here! And reports of scams are rising. Make sure you and your family are aware of the scams going on, so you can keep your finances and personal information safe!

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Avoid These First-Time Homeowner Mistakes1/16/2018

Q: My husband and I recently decided to buy our first home. Some friends of ours had lots of trouble with the process and wound up buying one they can’t really afford. What can we do to buy our dream home without that grief?

Continue Reading "Avoid These First-Time Homeowner Mistakes" »

Infographic: Why Your Child Needs a Youth Account 1/10/2018

Starting a savings account for your child when they're young is crucial to teach them the importance of saving and managing money. MCCU offers accounts for kids and teens, with a minimum opening deposit of only $5! Read the inforgraphic below for valuable information!

Why Your Child Needs a Youth Savings Account Inforgraphic


How Will You Use Your Tax Refund?1/8/2018

Tax season is upon us! If you're lucky enough to get a refund, how do you plan on spending (or saving!) it?

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7 New Year’s Resolutions For A Richer 20181/1/2018

The New Year is a time of renewal; use it to make bold financial changes. If you’re looking for resolutions to improve your personal finances, check out these seven ways to make 2018 the year of the dollar!

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Combatting The Financial Mistakes Of Our 20s And 30s12/22/2017

Early in their careers, people tend to focus on the here and now while ignoring the future. As you climb the ladder of success, you might think raises and promotions will never end and that you have forever to plan for the future. Surprisingly, though, the future comes faster than you can imagine.

Here are the six most common and avoidable mistakes younger people make:

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