Oct 252017

Online Banking – How it’s Improving and Why You Should Use it

Posted on October 25, 2017 Uncategorized

  Everyone knows that waiting in line at the bank can be a huge hassle. It takes necessary time out of your day, and it can be an often frustrating experience. But in 2017, there’s a mobile app for just about everything. While online banking has been around for years, it’s getting more and more user-friendly and streamlined as technology advances. In fact, online banking has become such a norm that the second Monday of October is marked as National Online Banking Day.   So why should you take full advantage of all the perks offered by online banking? Here

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Oct 182017

Is a Credit Union Right for You?

Posted on October 18, 2017 Uncategorized

  There’s one thing everyone knows about big banks: they are for-profit businesses, and they profit quite a bit. However, if you’re concerned about your money and how it’s handled by your financial institution, why not consider moving to a credit union?   Members of Polam FCU get all the benefits of being a part-owner and operator in their financial institution. It’s one of the most positive benefits of being a member of a credit union – you don’t have to worry about fat cat CEOs who focus more on profits than taking care of their customers. Here are just

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Oct 102017

Halloween is Coming – How to Save Money and Celebrate on a Budget

Posted on October 10, 2017 Uncategorized

  We’re into the second week of October, which means one big thing – Halloween is just around the corner! Whether you’re decking out your home like a haunted house, or you have fantastically creative costume ideas for you and your family, the costs of celebrating this fall holiday can add up. However, it doesn’t have to be expensive – in fact, we’ve got a few ideas for you to have a spooky and fun Halloween without breaking the bank.   Go creative with your costume. You don’t need to purchase a pre-packaged set to have a killer costume. Go

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Oct 042017

5 Creative Ways To Save On Your Electric Bill

Posted on October 04, 2017 Uncategorized

    We’re already into the fall season, and as they say on Game of Thrones, winter is coming. The costs associated with keeping a winter home warm can give you a sense of sticker shock, even if you try to use alternative heat methods. However, there are many small and creative ways you can help cut your energy costs, and many take almost no effort.   At Polam FCU, we’re dedicated to helping our members with financial security and happiness. Here are some simple and innovative ways to keep down your energy costs in the upcoming winter months –

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Sep 272017

Owning A Business – 4 Things To Consider

Posted on September 27, 2017 Uncategorized

  In times of economic confusion, starting your own business tends to sound like a great idea. Whether you’re looking to take on business ownership as a hobby or you eventually want to flip it into a full-time gig, it’s important to know the financial pros and cons of going into business for yourself. It’s not a small task in the slightest, and roughly half of all new businesses don’t make the five-year mark.   With that in mind, how much money will you need to reach your personal business goals? Before you take the plunge, there are a few

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Sep 182017

4 Reasons Why You Should Buy A Home This Fall

Posted on September 18, 2017 Uncategorized

  According to the Primary Mortgage Market Survey from Freddie Mac, interest rates for 30-year mortgages have stayed close to 4 percent, and it’s believed that this will increase in the next 12 months. With this in mind, if you’re looking into buying a home in the near future, why wait and pay more in interest than necessary?   Polam FCU offers both competitive flat rate and adjustable rate mortgages with low closing costs, and our team is experienced in helping our members become homeowners. Here are four reasons why you shouldn’t wait to buy a home:   Prices will

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Sep 132017

Polam Profiles: Anna Wojciechowski – Branch Manager

Posted on September 13, 2017 Uncategorized

  Conversations over Coffee: Concord Branch Manager Anna Wojciechowski   When it comes to balancing work and leisure, Anna Wojciechowski seems to be on the right track. And as the manager for the Polam FCU branch in Concord, California, and the mother of two, she balances both elements with skill.   Anna has been with Polam FCU as the Concord branch manager for a little over a year, and says she feels it’s been like it’s been longer than that. “During that time I have learned many new things and met great people,” she said to us. “Working here is

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Sep 062017

The Do’s and Don’ts of Your First Credit Card

Posted on September 06, 2017 Uncategorized

  Whether it’s through a major financial institution or your preferred retail outlet, credit cards are seemingly everywhere nowadays. They serve as a good tool to make purchases when you don’t have cash on hand, or to build up your credit score. However, if you’re a young adult looking to apply for your first credit card, there are a few important “do’s” and “don’t’s” that you should know first.   Do: Look for a credit card with a rewards program. The Polam FCU credit card offers points for shopping whenever you use it; once you’ve earned enough points, you can

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Aug 292017

CardValet – The Finance App That Will Change the Way You Spend and Save

Posted on August 29, 2017 Uncategorized

  When it comes to your finances, it’s always a positive when you have a convenient and simplistic way of keeping track of your spending, your budget, your bills, and most importantly, your safety and security. Polam FCU values keeping our members happy as well as worry-free, and CardValet is here to help with that.   CardValet® by Fiserv gives its users the ability to fight debit and credit card fraud by enabling customizable real-time alerts. The app lets you set preferences and alerts so you can both detect and help prevent fraudulent activity. It’s easy to get started –

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Aug 232017

Chip and PIN Credit Cards – Three Reasons Why They’re Worth It

  As chip and PIN credit cards have grown to become a new normal in banking technology, a good amount of both buzz and misunderstanding about how they work has gone around. However, this is a positive upgrade for consumers when it comes to the safety and security of your money, and a step forward in enhancing fraud protection.   You’ve probably already seen them, as more and more cards have these chips and chip readers are growing more and more common in places where one spends money. Chip and PIN cards, also known as EMV cards, come with a

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