Dec 052017

Financial Planning for the Holidays – How to Watch Your Budget

Posted on December 05, 2017 Blog, Group A

  Although it seems like the holiday season starts earlier and earlier every year, it’s never too late to consider a budgetary plan for your holiday shopping. While Black Friday (and Black Thursday) can net you some incredible deals, many consumers shop throughout December for family and friends.   Whether you’re on a tight budget or you’ve got serious cash to spend, it’s always a good idea to have a financial plan before jumping in and buying the best for the people you love. At Polam FCU, we have a variety of tips regarding how to make the most out

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Nov 282017

Prequalified vs. Preapproved – Knowing the Difference

Posted on November 28, 2017 Blog, Group A

  If you’re a first time homeowner, the mortgage process can be somewhat daunting. Even people who’ve owned a home before can get confused by the process. However, one important thing to understand is the difference between being prequalified for a mortgage and being pre-approved for one.   It can be easy to use the terms interchangeably, but because they mean different things, it’s good to be on the up-and-up with regards to terminology to make the home buying experience one with minimal stress.   What does it mean to be “prequalified”? When you are prequalified for a mortgage, your

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Nov 222017

Black Friday 101- How to Successfully Tackle Your Holiday Shopping

Posted on November 22, 2017 Blog, Group A

  The official start of Christmas shopping season is almost upon us! This Friday marks Black Friday, a day in which you can clean up with great deals at retailers of all kinds. From big box stores to smaller shops, you can find great bargains almost everywhere. However, it can be a stressful experience, both for your brain and for your pocketbook.   Before embarking on your holiday shopping journey, it’s important to make a plan so you don’t overspend, and to ensure you’re choosing the perfect gifts for your friends and family. Here are a few of our tips

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Nov 152017

Money-Saving Tips for Your Thanksgiving Feast

Posted on November 15, 2017 Blog, Group A

  Thanksgiving is one of the most popular holidays in the United States, and one where people make big efforts to celebrate with family, friends, and a giant feast. However, serving up a 15-pound turkey with all the trimmings can be costly, especially with Black Friday the next day and Christmas right around the corner.   There are so many easy and creative ways to trim your Thanksgiving spending. We collected a few tips to help you have a cost-effective and amazing Turkey Day!   Keep your menu simple. With Pinterest and Facebook tantalizing us with all the creative dishes

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Nov 092017

DYŻUR KONSULARNY W SACRAMENTO, CA

Posted on November 09, 2017 Blog, Group A

    Konsulat Generalny RP w Los Angeles informuje, że dyżur konsularny związany z przyjęciem wniosków o paszport, odbędzie się dnia 6.12 w godz. 9.00 – 17.00 oraz 07.12 w godz. 9.00 – 15.00 w oddziale Polam Federal Credit Union – Sacramento, CA pod adresem: 4313 Elkhorn Blvd, Sacramento, CA 95842. 6 grudnia 2017 r. (środa) w godz. 9.00 – 17.00 oraz 7 grudnia 2017 r. (czwartek) w godz. 9.00 – 15.00 Polam Federal Credit Union – oddział Sacramento, CA 4313 Elkhorn Blvd Sacramento, CA 95842   OBOWIĄZUJĄ ZAPISY: Aby umówić się na spotkanie z konsulem należy wysłać e-mail na

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Nov 072017

Protecting Your Finances During a Natural Disaster

Posted on November 07, 2017 Blog, Group A

  After the wildfires in Northern California and the hurricanes racking Texas and Florida, it’s a better time than ever to take steps to ensure your safety during a natural disaster. While some disasters can be somewhat predictable, like hurricanes, others can happen out of nowhere.   Once you’ve made plans for your physical safety, it’s vitally important to protect your financial safety as well. Here are a few tips to ensuring your financial security during an unexpected natural disaster.   Keep important documents both accessible and secure. It can be extremely expensive and time-consuming to replace items like a

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Oct 312017

Keeping Your Identity Safe in 5 Steps

Posted on October 31, 2017 Blog, Group A

  After the Equifax data breach earlier this year, more and more people have grown concerned with identity theft and their financial safety. These concerns have existed since the dawn of banking, but as technology advances, there are more risks to your identity security. At Polam FCU, we understand that it can take decades to build up your credit score and history, and the safety of our members is our top priority.   Here are a few important tips to help maintain the safety of your identity, finances, and your credit score.   Lock up what’s important. Keeping your social

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Oct 252017

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

Posted on October 25, 2017 Blog, Group A

  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 Blog, Group A

  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 Blog, Group A

  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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