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Identity Theft Victim Checklist

Your Path to a Bright Financial Future Begins Here!

Using the “snowball method” to free up additional funds

"As the impact of COVID-19 continues to spread, it’s natural to feel anxious and concerned about your financial situation. In times like these, being proactive and smart about your money can make a big difference to your wallet."

How To Use Your Stimulus Check

All You Need to Know About the COVID-19 Stimulus Plan

"After days of negotiations and last-minute changes, the Senate and the White House have signed a historic $2 trillion stimulus plan to help mitigate the economic fallout of COVID-19. The Coronavirus Aid, Relief and Economic Security Act (CARES) will put cash directly into people’s pockets, provide desperately needed funding for hospitals and help struggling businesses remain afloat in these financially fragile times."

Deposits Are Safe in Federally Insured Credit Unions

"Federally insured credit unions offer a safe place for credit union members to save money. All deposits at federally insured credit unions are protected by the National Credit Union Share Insurance Fund, with deposits insured up to at least $250,000 per individual depositor. Credit union members have never lost a penny of insured savings at a federally insured credit union. Additional information on NCUA share insurance coverage for consumers is available at MyCreditUnion.gov (opens new window)."

How to Create a Killer Resume

"Starting that first post-college job can be super-exciting, but there will be lots of hurdles to clear until you land that dream position. First, you’ll need to create a resume that tells potential employers about your educational background, your skills and your hopes for the future."

Fitness For Your Body And Wallet: Shedding Pounds Without A Gym Membership

"New Year’s resolutions can be fantastic motivating tools, and many of us use that motivation to improve our health. Thirty-seven percent of Americans resolved to lose weight, while another 32% resolved to stay fit and healthy in the New Year. No one knows that better than the weight loss industry, which ramps up its marketing this time of year. You’ve no doubt seen offers for free months and other discounts at local and national gym chains."

The cost of trade schools

"College isn’t for everyone. According to David Kirp of UC Berkley, 40% of students attending college for a bachelor’s degree drop out. They never make it to graduation, never see their diploma. That’s a bummer, especially when you consider that a bachelor’s degree is costing an average of around $138,800. Presumably the student doesn’t drop out as soon as every class is completed, but even if they leave after one year, that’s a lot of change that just went down the toilet."

How to Create a Budget in 6 Easy Steps

"If you’re always wondering how you’re going to pay the next bill, feel guilty when you indulge in overpriced treats and you can’t seem to find money to put into savings, then you probably need a budget."

Beware Car-Wrap Scams!

"Scammers never stop dreaming up new ways to con you out of your money-and reinventing old tricks that work. The fake-check scam is a tried-and-true scheme with dozens of variations. One such variation, the car-wrap scam, has recently become more widespread and successful."

8 Creative Ways to Save on Heating Costs this Winter

" I just got my first wintertime heating bill and I’m reeling. I’ve sealed all leaky windows and I’ve replaced the weather stripping around my doors, but my bill is still astronomical. Short of hibernating until spring, is there anything I can do to keep my heating costs down this winter?"

All You Need to Know About Data Breaches

"If you follow the news, you’ll note that there seems to be another major data breach monopolizing headlines every week. The details vary, but in each breach, thousands, millions or even billions of victims’ sensitive information is compromised, and they’re now vulnerable to identity theft unless they take immediate action."

9 Germy Places To Avoid (Or Disinfect) This Winter

"Cold and flu viruses can fly up to six feet through the air, says Joseph Rubino, former director of microbiology at RB, the creators of Lysol. Harmful bacteria and viruses can lurk in places you’d never suspect, and knowing those places inside and outside the home, can help you avoid getting sick this winter."

Waging War Against Porch Pirates

"We’ve all seen the familiar footage from a home security camera: a fish-eye view of a home’s front porch sporting a stack of smiling Amazon Prime boxes. An unexpected car pulls up. A stranger approaches the cardboard booty. He or she looks to the left, looks to the right, scoops up the bounty and runs back to the car, ruining the holidays for everyone."

Black Friday & Cyber Monday

"It's Holiday Season for the bad guys too! But not the way you might think. They go into scam-overdrive mode. Black Friday and Cyber Monday are the busiest on-line shopping days and the bad guys are planning to get rich with your money."

How To Recognize And Protect Yourself From Scams

"Scammers are always trying to con victims out of their information and money. They are, unfortunately, often successful. Scammers are expert impersonators, using sophisticated technology and their best acting skills to convince you they represent a business, institution or government agency you may trust. They also tend to prey on the most susceptible victims, including those who are down on their luck or are exceptionally naïve and trusting."

Thanksgiving Hacks To Save Time, Stress And Money

"We’re here to help! Whether you’re travelling home for the holiday or hosting a houseful of guests, we’ve got you covered. St. Lawrence FCU is proud to present 15 clever Thanksgiving hacks to save you time, stress and money as you prepare for Turkey Day."

6 Ways To Keep Your Finances Intact This Holiday Season

"There’s no need to rack up a huge credit card bill or go into debt just to cover your holiday expenses. Enjoy a stress-free season by keeping your spending in check with these six tips:"

AgeProof: Living Longer Without Running Out Of Money Or Breaking A Hip

"In AgeProof, financial guru Jean Chatzky teams up with Dr. Michael Roizen to show you how you can use the same strategies to achieve and maintain both financial wellness and physical health."

Take Caution Before You Borrow Someone's Charging Cable

Understanding The Credit Card Trap

"If that doesn’t sound too alarming, consider this: A debt of $5,000 with an interest rate of 24.99% (which is the current rate of a typical Capital One or Citibank card), where only the minimum payment is made each month and no additional charges are made to the card, accumulates $4,823 in interest over five years. That means the cardholder would be paying nearly double the amount that was originally spent!"

Here are 10 things you can do to improve your credit score.

"These ideas won’t create a dramatic improvement in your credit score overnight, but over time, they will. Remember, it takes time to develop a strong profile. Once you’ve done it, you’ll find it easier to apply for credit and favorable interest rates."

The Ultimate Smart Shoppers Cheat Sheet

"You’ve already perfected your monthly shopping schedule to get the best possible prices throughout the year: linens in January; luggage in March; household appliances in May; patio furniture in September and wedding dresses in December."

The History of Credit Unions

"As a member of Saint Lawrence FCU, you know credit unions are always striving to serve their members and community. We value each member’s input as an equal owner in the credit union, and we offer flexible loan terms, low-cost accounts and higher dividends to help members achieve and maintain financial wellness."

Your Complete Guide To Identity Theft Protection

"Did you know there were 14.4 million victims of identity theft in 2018? According to Javelin Strategy, each case cost the victim an average of $1,050, and that's only the dollar cost. When an individual's identity is stolen, the thief also impacts the victim's financial health, recovery from which can take years."

Scam Alert!

"Before heading on your dream vacation, read our list of four common vacation scams and learn how to avoid them."

Mobile Deposit Capture (Mobile Deposit)

"In a world where you can order almost anything using your mobile phone, it makes sense that St. Lawrence Federal Credit Union offers mobile banking services for our members. You can now check your account balance and transfer funds between accounts, all from the comfort of your home. "

Spring Cleaning Hacks

"Spring is here! Time to roll up your sleeves and whip your home into shape. "

9 STEPS TO BUYING YOUR FIRST CAR

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

8 WAYS TO SPOT A HOME IMPROVEMENT SCAM

"If you’re hiring a contractor to make improvements on your home, be alert! Home improvement scams are more common than you may think, and they can cost you a lot. "

Pyramid Schemes

"Pyramid schemes have been around for years, but scammers are still growing rich off them. Let’s look at what constitutes a pyramid scheme and how to avoid falling for one. "

7 SIGNS YOU’RE LIVING BEYOND YOUR MEANS AND HOW TO FIX THEM

"In the age of plastic spending and mobile payments, it’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford. "

Student Loan Scams

"Scammers will try anything to fool college students into parting with their money. Don’t get hooked! Here’s what you need to know about three popular student loan scams."

9 Things to Remember When Using Your First Credit Card

"Getting your first credit card is a significant financial milestone. After sorting through an endless array of program options and promotional offers, you made your choice, filled out the application, and saw those two magic words: You’re approved!"

Financial Fitness Helps More Than Just Your Money

"When you hear the word “fitness,” what comes to mind? Gym memberships? Weights and treadmills? Lean, muscular athletes? Credit unions?"

Fact vs. Fiction: What Really Impacts Your Credit Score?

"Credit scores are calculated based on a variety of factors, so they tend to feel like a secret code. Fortunately, this code is easy to crack. "

Vishing: How to Spot It and How to Stop It

"Vishing is the telephone equivalent of phishing. It is described as the act of using the telephone in an attempt to scam the user into surrendering private information that can be used for identity theft."

Teach Your Kids to Make a Stand—a Lemonade Stand.

"When you were young, running a lemonade stand didn’t feel like a job – it felt like freedom. So, don’t worry that encouraging your children to work will somehow rob them of their weekend fun. "

Clear Up Your Tipping Confusion

"Tipping. Conversation about the topic can spark lengthy debates with opinions ranging from staunch support to extreme opposition. Let's figure this out."

5 Ways to Sidestep the Dangers of Malware

"Viruses. Adware. Trojan Horse. Spyware. Bots. Ransomware. Worms. What do all of these have in common (besides sounding like codenames from a Bond movie)? They’re all forms of malware. "

Does a Side Hustle with Uber Really Pay Off?

"It’s possible to make money, potentially even a decent full-time income. The secret lies in approaching the opportunity as a business owner instead of an employee."

Online Savings: These Aren’t Your Mother’s Coupons

"For a company that generated almost $178 billion in revenue in 2017, it seems strange to consider that despite their eye-popping income, much of their success hinges on helping people save money, not just spend it."

5 Steps to Avoid Phishing Scams

"Phishing is an identity theft tactic that uses fake emails or websites to trick consumers into revealing personal financial information."

Six Simple Steps to Stay Safe on Social Media

"With the overwhelming popularity and the easy accessibility of mobile technology, it’s more important than ever to stay safe when you venture online. These six tips will help you protect yourself as you stay connected."

Should You Pay for Credit Repair Services? Probably Not.

"Good credit isn’t the result of tricks and trade secrets. It’s established by applying solid financial habits over time. The same holds true for credit repair. "

Buying the House You Want in a Tight Market

"Gone are the days of cautiously comparing your top 5 choices and engaging in a prolonged volley of offers and counter-offers. Demand is high, and supply is low."

4 Simple Steps to Keep Your Kids Safe Online

"You don’t have to be an Internet expert to help your kids sidestep online pitfalls. You just have to be involved. Find out how."

Should You Be Using Your Home’s Equity?

"A home equity loan provides access to the equity in your home."

Debt and Dating: What’s Keeping You in the Friend Zone?

"Is it possible that the way you manage money could have an impact on your relationship prospects? It’s a fair question, and there’s a survey to back it up. "

How Can You Steer Clear of Financial Fraud?

"Credit unions are making impressive strides toward safeguarding their members if their information is compromised. Find out how."

Financial Quick Fixes Come at a High Cost

"Say NO to loan terms of 300% annual interest (APR) or higher. Credit unions offer a convenient, cost-effective alternative to payday loan companies."

Protect Yourself with CardValet®

"Know exactly what is happening with your account when you download CardValet®."

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