Be on Guard Against Scams


 

Cyber Attacks ConceptScam artists continue their attempts to dupe people, including our members, into giving them money.

Below are a few of the more recent scams that you should keep on your radar:

  • Facebook Impersonation Scams – Scammers take over a friend’s account or make a new fake account with your friend’s information and photos. They tell you that there has been a devastating occurrence or loss, and ask for money to help.
  • Dating Scams – Singles fall for a fake online date, and then send them money to help with plane tickets or tragedies.
  • Investment Scams – The continuing stock market instability lures investors into “sure thing” scams, such as Ponzi schemes, reverse mortgages, penny stocks, and private stock offerings.
  • Phone Impersonation Scams – Crooks pose as relatives, utility employees, or IRS employees to frighten victims into paying alleged fines or medical bills.
  • Lottery and Sweepstakes Scams – Con artists tell victims that they won a lottery or sweepstakes but they have to send money first before their winnings arrive.
  • Advance Fee Scams – Victims receive dud checks for supposed service or employment and are asked to wire back part of the payment before it’s discovered that the check is fake.

Keep yourself and your money safe!

Below are a few tips from our Fraud & Security Center:

  • Supplement Passwords – Some sites you already use may offer more secure ways to login that will make your account harder to hack
  • Watch Friend Requests – Be alert for duplicate requests and only accept requests from friends you know
  • Verify Independently – Check with friends and family over the phone or in person to ensure the requests are legitimate
  • Shred Documents containing sensitive information
  • Never give out personal information such as account numbers and birth date
  • Ask for a phone number to call back or ask to speak to a manager

For additional information, tips and Members 1st security policies, please visit our Fraud & Security Center.

Time to Prepare your Home for Fall!


Use this checklist to prepare your home for fall and the upcoming winter season.

  • Clear out the Guttershouse in fall_15763471_xl
    • Remove leaves and other debris from your drainpipe and gutters to prevent clogging. Before it gets very cold, drain your outdoor faucets to prevent freezing.
  • Clean the Fireplace and Chimney
    • Clear out ash and charred wood yourself, and call a professional for the chimney cleaning. Have the chimney cleaner check the damper to ensure it can be tightly closed to prevent drafts.
  • Check the Heating System
    • Do a survey of your home’s heating vents to make sure they’re not blocked or covered by furniture, carpeting or curtains. Dust all vents and clean all filters. Plus, make an appointment for an annual heating system check-up.
  • Store Air Conditioners
    • If you have removable window air conditioners, be sure to unplug them before taking them down. Once they are out of your windows, dust and clean them before covering or storing.
  • Check for Drafts
    • Stay warm, save energy, and reduce your heating bills by examining windows and doors for cracks. If you do find drafts, be sure to seal them properly.
  • Put up Storm Windows
    • If you have removable screens, now’s the time to clean, store, and replace them with storm windows.
  • Ready the Water Heater
    • Prepare for cooler weather by draining the water heater and clearing out any debris that has settled in the tank.

 Information courtesy of ReadersDigest.com.


Need Cash for your Home Repairs?

Contact us about our promotional Home Equity Line of Credit rate!

Visit members1st.org or call us at (800) 283-2328, ext. 6040.

Shrewsbury Branch Grand Opening Event Slated for Saturday


We hope to see you at our celebration event on Saturday!

shrewsbury grand opening main graphicGrand Opening graphicenter to win PSU tixfind us

Thank you for all of your votes!


thank you-awards-main graphicWe are quite pleased that you like us and took the time to vote for us!
Thank you for selecting us as BEST CREDIT UNION in all of the various local readership awards contests. We are happy to announce we’ve been honored with the following:

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andy steele

Back-to-School Savings for your Household Budget


Education, Back to School, Shopping
Students aren’t the only ones who’ll need to pull out the pens, paper, and calculators for the back-to-school season. Parents who want to keep back-to-school spending under control should consider doing the same.

Backpacks, paper, books, pens, pencils, calculators, computers, clothes and shoes are basic necessities that can add up quickly and become significant expenses for any household. Developing and sticking to a solid spending plan is the key to avoiding overspending. If you are in charge of back-to-school shopping, here are tips to help keep your budget on track:

Develop a back-to-school budget

Take time to develop a monthly budget if you don’t already have one in place. Review your income and regular expenses, and determine your back-to-school spending goal based on what you can afford.

Take an inventory of school necessities

If you missed Spring-cleaning, this is a good time to pull out your child’s clothing, shoes and supplies for an inventory of what’s still useable. Have the kids try on clothes and shoes to see if they still fit. Consider donating clothes that no longer fit to Goodwill or the Salvation Army. Be sure to get a receipt, since the items could be applied to your personal income taxes as charitable contributions. Another option is to sell the old clothing to a store that specializes in reselling used clothing. Use the money to buy clothes for the new season.

Create a comprehensive shopping list

Now that you’ve taken inventory, create a shopping list of your child’s needs. The list should include additional clothing, school, athletic, and scout uniforms, yearbooks, eyeglasses, classroom supplies, and musical instruments. Write down your children’s sizes and special colors needed for items like uniforms. Carry your shopping list to keep you on track.

Involve children in decision-making

Tell children what the spending goal is and how they can help meet the goal by choosing perhaps two outfits, instead of three. Help them understand how recycling clothes, lunch boxes, book bags, and notebook binders is not only good for the environment, but also good for the household budget.

Shop for the best prices

Get the best value for your dollar by checking for coupons and sales. Listen for TV and radio commercials and check your local Sunday newspaper for back-to-school and clearance sales. Also check department store apps – i.e., Target Cartwheel, etc.

Check for sales tax holidays

Check with your local government officials to see if a tax-free back-to-school shopping holiday is authorized in your area. A number of states have designated days that coincide with back-to-school shopping. The holiday offers local residents a chance to purchase clothing and school supplies tax-free! Some sales tax holidays even include computers. It can be an immediate savings for your back-to-school budget.

Limit expensive brands

You can save money on clothes and selected school supplies by purchasing generic or lesser-known brands. Always be sure the lesser-known brands are durable and quality products.

Use credit wisely

Pay with cash if possible. Try layaway if you need time to save up for purchases. If you have to use credit, use your Members 1st VISA® Platinum Cash Back credit card to earn cash toward your purchases. Plus, limit purchases to items you can pay off in 90 days. If you have more than one credit card, use the card with the lowest interest rate to minimize the amount you’ll have to pay back. Remember, using a credit card is like taking out a short-term loan.

Information courtesy of GreenPath Financial Wellness

 

For more information about our Credit and Debit Cards, click here!

Be sure to check out our Advice Center for more helpful tips for students and parents!

 

 

 

Shrewsbury Branch Opens August 15


We’re opening our 60th branch location on Monday, August 15 in Shrewsbury. This new branch is our 9th location in York County. Stop by to visit. Check out our special offers.

shrewbury main graphicGrand Opening graphic

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find us

We hope to see you there.

 

Heading to College? Tips and Tricks you Should Consider.


 

high school students

Back to school time is rapidly approaching, and we are here to make sure that you and your family take the proper steps to ensure that the transition period is as easy as possible. Below is a checklist that you can use during the moving out process so your family is ready for this exciting time!

  • If you are ordering anything for college, see if you can have it delivered to a store near your campus.
  • Rent books from Amazon or Chegg- it’s much cheaper than buying books brand new!
  • Walk or use transportation provided by the college or university to save money on gas.
  • Budget your money for the week; this will limit the amount of impulse buying.
  • Consider your meal plan options carefully. Be sure you understand the fee structure or you could end up paying a lot of money for a plan that offers little in return. While deciding, consider where you will eat and how frequently you will dine at the cafeteria or food court. Some places on campus may require a meal swipe and extra funds, or as an alternative go grocery shopping and cook for yourself. Ask what happens if you don’t use all of your meal plan money each semester- does it carry over or is it a use it or lose it kind of deal?
  • Use coupons and sign up for loyalty programs! Most restaurants will mail out coupons that will help you save money when you can’t resist fast food.  Grocery stores often have loyalty programs that will give you opportunities to save money at the checkout line, and potential earn credit to use on other purchases!
  • Save all the change you have, you won’t believe the amount of money it will turn into when you cash it in.
  • Sell your books back at the end of the semester, you won’t get much for them but it is better than nothing!
  • Buy a reusable water bottle and refill it through the day, you will save a lot of money instead of buying water bottles!
  • Go to events on campus that offer free food, you could end up enjoying your time and join a great club.

 

For more information about our Student Services click here!

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