{"id":4937,"date":"2020-09-14T14:36:25","date_gmt":"2020-09-14T14:36:25","guid":{"rendered":"https:\/\/www.vfcu.net\/?p=4937"},"modified":"2020-09-14T14:36:25","modified_gmt":"2020-09-14T14:36:25","slug":"become-more-financially-responsible-during-covid-19-with-these-4-tips-and-services","status":"publish","type":"post","link":"https:\/\/www.vfcu.net\/es\/become-more-financially-responsible-during-covid-19-with-these-4-tips-and-services\/","title":{"rendered":"Become More Financially Responsible During COVID-19 with These 4 Tips and Services!"},"content":{"rendered":"<p class=\"p1\"><span class=\"s1\">With so many people spending time at home during the COVID-19 pandemic, online usage is as high as it\u2019s ever been! And because of so many being more conscious of their safety and health, online shopping has seen a massive boom. With this comes two caveats: overspending and debt accumulation. <\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Our credit union in Brownsville offers various services that can keep your money safe while growing your account for future financial goals. Consider these four money management tips!<\/span><\/p>\n<h2><img decoding=\"async\" class=\"aligncenter size-full wp-image-4941\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2020\/09\/para-4.jpg\" alt=\"\" width=\"600\" height=\"401\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2020\/09\/para-4.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2020\/09\/para-4-300x201.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/h2>\n<h2 class=\"p4\"><span class=\"s1\">Spend Wisely<\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">At VFCU, we offer\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/free-checking\/\"><span class=\"s2\">free checking<\/span><\/a>\u00a0to members so they can focus on budgeting. According to the Federal Financial Literacy and Education Committee, some of the best ways to budget is by:<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s1\">Tracking your spending habits over the span of a few weeks to know where to cut corners.<\/span><\/li>\n<li class=\"li1\"><span class=\"s1\">Comparing prices and quality of the products and services you use throughout the month.<\/span><\/li>\n<li class=\"li1\"><span class=\"s1\">Making room for financial goals like a weekend trip or purchasing a car.<\/span><\/li>\n<\/ul>\n<h2><img decoding=\"async\" class=\"aligncenter size-full wp-image-4939\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2020\/09\/vfcu-para-2.jpg\" alt=\"\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2020\/09\/vfcu-para-2.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2020\/09\/vfcu-para-2-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/h2>\n<h2 class=\"p4\"><span class=\"s1\">Save and Invest Your Money<\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">We believe in working smarter, not harder. As a member, you\u2019ll have access to various services that help you save and grow interest:<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s3\"><a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/money-market\/\"><span class=\"s4\">Money Market\u00a0accounts<\/span><\/a><\/span><span class=\"s1\"> to earn interest as you save with easy access for withdrawals.<\/span><\/li>\n<li class=\"li1\"><span class=\"s3\"><a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/iras\/\"><span class=\"s5\">Individual Retirement Accounts (IRAs)<\/span><\/a><\/span><span class=\"s1\">\u00a0to save money for your long-term goals, such as retirement.<\/span><\/li>\n<li class=\"li1\"><span class=\"s3\"><a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/certificates-of-deposit-c-d-s\/\"><span class=\"s5\">Certificates of Deposit (CDs)<\/span><\/a><\/span><span class=\"s1\">\u00a0to save and collect interest once your money matures within a term between six and 60 months.<\/span><\/li>\n<\/ul>\n<h2><img decoding=\"async\" class=\"aligncenter size-full wp-image-4940\" src=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2020\/09\/vfcu-para-3.jpg\" alt=\"\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/www.vfcu.net\/wp-content\/uploads\/2020\/09\/vfcu-para-3.jpg 600w, https:\/\/www.vfcu.net\/wp-content\/smush-webp\/2020\/09\/vfcu-para-3-300x200.jpg.webp 300w\" sizes=\"(max-width: 639px) 98vw, (max-width: 1199px) 64vw, 600px\" \/><\/h2>\n<h2 class=\"p4\"><span class=\"s1\">Protect Your Finances<\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">Did you know that we can also protect your prized possessions with\u00a0<a href=\"https:\/\/www.vfcu.net\/safe-deposit-boxes\/\"><span class=\"s6\">safe deposit boxes<\/span><\/a>? Keep heirlooms, important documents, and much more in any of the deposit box sizes we have.<\/span><\/p>\n<h2 class=\"p4\"><span class=\"s1\">Borrow Appropriately<\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">During these trying times, borrowing may be your only option. When doing so, make sure to create a repayment plan since paying on time improves your credit score.\u00a0<a href=\"https:\/\/www.netit.financial-net.com\/valleyfcu-loan\/cgi-bin\/ebs?OLB_CMD-SLN-164&amp;loan_file=..\/loan_master\" target=\"_blank\" rel=\"noopener\"><span class=\"s2\">Apply for any of our loans online<\/span><\/a>, including signature loans for up to 50 months and as low as 8.85% APR.<\/span><\/p>\n<h2 class=\"p4\"><span class=\"s1\">Stay on Track of Your Finances<\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">Be sure to download our\u00a0<a href=\"https:\/\/www.vfcu.net\/mobile-banking\/\"><span class=\"s2\">Mobile Money App<\/span><\/a>! It allows you to check your balances and\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/mobile-deposits\/\"><span class=\"s2\">upload checks with Mobile Check Deposit<\/span><\/a>. Download the app now from the Apple Store and Google Play Store. Be sure to <a href=\"https:\/\/www.vfcu.net\/contact\/\"><span class=\"s6\">contact us<\/span><\/a> for any questions about our services or becoming a member!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With so many people spending time at home during the COVID-19 pandemic, online usage is as high as it\u2019s ever been! And because of so many being more conscious of their safety and health, online shopping has seen a massive boom. With this comes two caveats: overspending and debt accumulation. Our credit union in Brownsville [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4944,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[],"class_list":["post-4937","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tips"],"_links":{"self":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/4937","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/comments?post=4937"}],"version-history":[{"count":0,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/4937\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media\/4944"}],"wp:attachment":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media?parent=4937"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/categories?post=4937"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/tags?post=4937"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}