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Know Your Credit Score

Know Your Credit Score Even if you’re financially responsible, life’s unpredictable nature can sometimes catch you off guard, at times making it incredibly easy to fall into debt. Your credit score, also called a FICO score, is an actual number, between 300 and 850. The higher the number, the better: a score of 740 to 799 is considered very good, …

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Reducing Your Food Bill

Tips For Reducing Your Food Bill Buying food is essential, of course, but if you’re not careful, it can also eat into your budget. Reevaluating Costs Reducing your food bill starts by creating a budget. In order to make a change, you need to know what you’re currently spending and set a goal. Go through the last month of your …

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Reasons For Refinancing

Reasons For Refinancing Refinancing your car or home can be beneficial if everything lines up in your favor. What is it and what can you get out of it? What is Refinancing? Refinancing is the process of replacing an existing loan with a new loan. People refinance for many different reasons, but regardless of your goal, the steps of refinancing …

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Annual Calendar

2021 Annual Calendar This year, we’re going digital. While everyone stays safe at home, we’re delivering your favorite calendar to you – online. Just click to download as a pdf or as a desktop wallpaper and then save to your computer. 2021 LA Financial Annual Calendar – pdf version 2021 Havasu Community Credit Union Calendar – pdf version Download as …

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New Downtown LA Branch

New Downtown LA Branch Our Downtown Los Angeles Branch is moving to a new location nearby! Friday, October 30, 2020 will be the last day the 716 W. First Street branch will be open. Newest Updates for our DTLA Branch (opening soon): Free Member Parking We will have free parking for members and offer validation at designated parking structures nearby …

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Understanding The Benefits Of Interest

The Benefits of Interest Interest plays a role in almost all aspects of personal finance — including savings, investing, credit, and loans. Simply Put: Interest is the money earned or paid when someone makes or receives a loan. You can be paid interest for keeping money in a bank account, purchasing a bond, or making other investments. You can also …

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‘Check’ It Out

‘Check’ It Out Checking accounts can often come with pesky fees, which are designed to catch you off guard and cost you money.  But to pay your rent, cover your credit card, cable, or utility bills, and repay your student loans, you almost certainly need a checking account. Do you currently have one? Look through your account’s transaction history and …

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Mobile Banking Tips

Mobile Banking TipsMobile Banking provides a convenient, safe way to access your funds when you’re unable to visit a branch. What is Mobile Banking? Mobile banking is simply using an app on a mobile device, like a phone or tablet, to access your bank accounts and perform transactions. It’s a service provided by your financial institution and is available to …

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When Times Get Tough

When Times Get ToughWhen emergencies and unexpected situations strike, it’s important to be prepared and make wise decisions. While tough times can vary, from a sudden job loss to a natural disaster, the steps that you can take to prepare yourself are often the same. There’s an old phrase that says, “the best time to plant a tree was 20 …

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Best Practices For Using a Credit Card

Best Practices For Using a Credit CardBy properly managing a credit card, you can earn rewards and build your credit score, all while making your regular purchases. Get the Right Card The first step to best using a credit card is to get the right one. That can mean doing some research. You should consider your spending habits and priorities …