Apr 042020

Paying Off Your Loans Early – A Few Tips

Posted on April 04, 2020 Uncategorized

  These days, it’s relatively common to owe on a mid-to-large-sized loan, and studies have shown that more than half of all Americans have taken out a loan to which they still owe quite a bit of money. After all, especially in the 21st century, taking out a loan is almost a big part of being an adult. Whether you’ve taken out a home equity loan, student loans, or an auto loan, these days it is almost a necessity if you need to make large purchases or help get from one point to another, financially.   Paying off loans can

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Mar 282020

Achieving Your Financial Goals

Posted on March 28, 2020 Uncategorized

  Every person has different financial goals – big or small, easy to achieve or a goal that will take more time. Setting these goals is a smart way to ensure you’ll follow the right track over time, and they’re good for developing healthy financial habits. Whether you’re paying off student loans or credit card debt, saving for retirement, or saving to buy a house, having some kind of set goal is important to ensure your financial health won’t take a hit. However, it’s one thing to set goals, and another entirely to stick to them.   Our team at

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Mar 212020

Helpful Financial Lessons for Your Teenager

Posted on March 21, 2020 Uncategorized

  As a parent, you’re probably used to your children asking you for things from the minute they start talking. It’s your job to make sure they’re taken care of – healthy food, an education, a comforting home, all the proper amenities, and so forth. However, as your children continue to get older, they’re going to start asking for different things – such as money and more expensive hobbies and activities. Teaching your teenager about the value of money and how to make a dollar stretch is one of the most important lessons they can take into adulthood.   If

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Mar 112020

Your Personal Information – How to Keep It Safe

Posted on March 11, 2020 Uncategorized

  Now that we’re officially in the third decade of the 21st century, identity theft and cyberattacks are continuing to grow exponentially. It’s not just that theft tools are becoming more sophisticated – there are more and more methods now in which your personal, private information can become compromised. The growth of social media, mobile apps, and the online marketplace has not only made our lives more convenient and interconnected, but also more at risk as well. It’s not always easy to ensure your information is secure, especially when taking an “personality” quiz via Facebook can put your information in

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Mar 072020

Tips for Retaining the Best Employees

Posted on March 07, 2020 Uncategorized

  As most business owners know, retaining good employees can be a bit of a balancing act. It’s not uncommon for an employed person to be on the lookout for bigger, potentially more prosperous opportunities in their career field. Studies have shown that one of the biggest factors in an employee looking for a new job is the inability to grow in their current workplace, whereas others have cited examples like an unhealthy workplace, an overload of work, not getting a proper raise or promotion, and so forth. Keeping good employees isn’t just about how much you pay them, though

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Feb 242020

Conversations Over Coffee – Michael Baryla

Posted on February 24, 2020 Uncategorized

  When it comes to balancing the fine line between work, family, and leisure, Michael Baryla seems to be on the right track. And as the new director of Polam Federal Credit Union, he looks to balance all of those elements with skill.   Mike was brought on at Polam this January, and he looks to bring a new style and direction to the success of our credit union. He’s an experienced businessman and hobbyist who looks to bring his business ownership experience to his work at Polam.   “I’m looking to bring a fresher approach to operations,” Mike said,

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Feb 102020

The Benefits of Going Mobile

Posted on February 10, 2020 Uncategorized

  It’s officially the start of a new decade, and for the last several years, we’ve seen a world that’s gone increasingly online. Smartphones and tablets only began to pick up traction in the last decade, and with each passing year, tech companies like Apple and Google release new, updated devices with even more features to make your life more convenient and cool. Naturally, this mobile trend has extended broadly to the financial sector, and credit unions around the country are taking advantage of their members’ need for mobile access.   If you’re still on the fence when it comes

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Feb 072020

Adopting a Furry Friend – What are the Costs

Posted on February 07, 2020 Uncategorized

  Adopting a furry friend can bring a great deal of joy to a household, especially if you need a bit of extra companionship. With animal shelters seeking adoptive pet parents every day, the pet industry is booming, and more and more families are finding that giving a home to a new cat or dog has a great deal of benefits. However, when you adopt a pet, you’re adopting a living creature that comes with costs, and it’s important to not overlook that fact before you visit your local shelter.   Before you take the step in adopting a new

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Jan 242020

Important Tips for Managing Your Credit Card’s Security

Posted on January 24, 2020 Uncategorized

    With new technology and cryptology emerging every day, it’s becoming more and more important to be diligent with your credit and debit cards. Although that importance has always been a priority, hackers and identity thieves continue to come up with new ways to obtain your personal and financial information. While you may already be taking the extra effort to secure your accounts and keep your cards safe, there’s always room for new helpful information.   Here are some of the important steps you should be taking to ensure the security of your credit and debit cards:   Keep

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Jan 212020

Credit Unions and You – Why Choose One

Posted on January 21, 2020 Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog, Blog

  There’s one thing everyone knows about big banks: they are for-profit businesses, and when you bank with them, you’re essentially a customer and an account number. 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 CEOs who focus more on profits than taking care

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