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Entries in Money Saving Tips (3)

Thursday
May142015

SCCU Membership Benefits You May Not Know About

 

Star Choice Credit Union provides personal financial care to its loyal members and community partners. We are a not-for-profit credit union that emphasizes building personal and genuine relationships and helping our members get the most out of their finances. Continue reading for some servies and benefits that even the longest Star Choice Credit Union members may not know about.



Free ATM Network

On the go and in need of cash? You should be able to have quick access to your own cash, and with a Star Choice Credit Union checking account, you can easily take advantage of a free ATM network service through the MoneyPass Network. Simply pull up our Mobile App and click "Search Surcharge Free ATMs" for an instant list of ATMs closest to you. After all, what is convenience if it isn't being able to access your money 24 hours a day, 7 days a week?


Youth Savings Accounts

Help your kids develop a Strong Financial Future by opening up a savings account. We have a few different accounts that are suitable for children of all ages. They offer valuable benefits that include, but are certainly not limited to providing special incentives for deposits made by children, special gifts when a youth account is opened, a low minimum balance, and no fees. Plus, during the month of June, we will match your initial deposit into a new Youth Account, up to $50! Opening a Youth Savings Account will help your child develop healthy financial habits at a young age, and it will help you in the long run as they save for their first car or budget for college.


Free Checking and Direct Deposit

Star Choice Credit Union offers free checking accounts as well as direct deposit, meaning that on payday, your money is right where it should be, in your account! No driving, no waiting in line, no hassle. You can withdraw cash at an ATM, transfer money and make payments online instantly. Setting up Direct Deposit is easy, just contact us and request a Direct Deposit form to be sent to you!

 

 

Mobile App

Where ever you go, we go. Access your account on the go - all you have to do is pull your mobile device out of your purse or pocket! 

Our free Mobile App, Choice Mobile with Choice Deposit, allows you to perform everyday transactions on your Mobile Device. You can access your account balances, transfer funds, make loan payments, and even deposit checks by simply snapping a picture. How's that for convenience? 

 

Save with Sprint

Star Choice Credit Union is pleased to offer monthly wireless discounts to our members with the Sprint Credit Union Member Discount. If you’re already enjoying the savings from this Invest in America program we want to make sure you can continue to do so. Periodically, Sprint needs participants to verify eligibility so they can receive the discount and waived activation fees. If you’re planning on signing up for the Sprint Credit Union Member Discount, you’ll need to verify eligibility as well.

 

New Sprint Customers: You need to verify membership within 30 days of activation.

Current Sprint Customers: You need to provide proof of discount eligibility (credit union membership) when you upgrade your device if it has been 20 or more months since you were last validated.

The verification process is easy and only takes few minutes to complete. Find the verification form here, or learn more about the Sprint Credit Union Member Discount at LoveMyCreditUnion.org/Sprint.

 

Friday
Aug022013

Brake for these auto-buying tips!

If you're thinking of purchasing a vehicle, the following tips may help you save money and avoid bumps along the way.

1. Consider your needs. Do you need an automatic or manual transmission? How many people will typically ride with you? How ample is your parking area? What kind of driving conditions do you routinely face? Focus on how the vehicle will be used, rather than which vehicles are the most stylish or popular.

2. Let your budget drive you. Online calculators can help you estimate expenses and payments. Along with monthly loan payments, remember to factor in insurance, maintenance and fuel costs.

3. Investigate prices. To improve your negotiating position, learn the invoice price, MSRP (Manufacturer's Suggested Retail Price) and average selling price of any car you are considering.

4. Research your top picks. If you're shopping for a used car, run a vehicle history report, based on the vehicle identification number (VIN). This can help determine whether the vehicle has ever been severely damaged by accident or flooding, for example. If you're shopping for a new car, check out industry reviews and consumer ratings.

5. Visit us first. A dealer's "special" financing may be tempting, but keep in mind that you may not qualify, and other options might be a better deal. Star Choice Credit Union's loan rates are some of the best around, so check us out before you begin car shopping.

6. Focus on the drive during the test drive. Try to replicate the driving conditions you and your future passengers will routinely face, and don't be distracted by the salesperson or the radio.

It's smart to get preapproved for an auto loan at Star Choice Credit Union before you begin shopping. Call 952.698.7228(SCCU), stop by the nearest branch or visit us on the Web at www.starchoicecu.org.

Friday
Nov092012

Money Saving Websites

Christmas will be here before you know it! The Holiday's are a great time to get together and spend quality time with family and friends as well as show your appreciation for them... with gifts, of course!

I'm sure you know as well as I do that the Holiday's can be an expensive time of year, which is why I wanted to share a few of my favorite money-saving websites to help reduce the impact on your wallet this holiday season.

Sure, you could wait outside in the blistering cold on Black Friday for umpteen hours to get a great deal on a TV or Keurig Coffee Maker (it's on my list!)...but with these websites, you can buy some great gifts for a great price without having to get up at 3 am the day after Thanksgiving.

  • Groupon is among one of my favorite websites. It tailors deals to where you live and more and more businesses are finding out about it and partnering with Groupon to post awesome deals on their website. From massages to hot air balloon rides, you can always find a great gift for someone (or yourself!) for a great deal.
  • Pocket Your Dollars is a well-rounded website that will let you save on many things  including groceries for the holiday entertainer. The best part is, they print weekly shopping lists and let you know about the weekly deals going on at your local Cub Foods, Walgreens, Menards, and more! (Having Thanksgiving at your house? Check out the Cub Foods shopping list and save big on Thanksgiving dinner this year!)
  • Hip2Save provides loads of money-saving tips, online freebies and deals, and in-store bargains from free samples of products to great deals on DVDs. 
  • Amazon Local is always being updated with deals on gift ideas and activities to do around your area.

Whether you are planning a Thanksgiving dinner or looking for gifts for anyone in the family, these websites should definitely be able to spark some gift ideas and save you a couple bucks along the way!

Enjoy!


...Have any good money saving websites or gift ideas? Let us know what they are!