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Credit, Investment, Savings, Security

5 Actions to Protect Yourself Online

June 28, 2023

It’s essential to always be mindful of your online safety, whether you are on a computer, tablet, or cellphone. Scammers, infected and fake websites, phishing emails, predatory text messages—these are just some of the internet and cellphone threats that are always lurking to take advantage of unwary victims. A mistaken website address, or an inadvertent click on a malicious link in an email or text, can lead to an infected device and hijacked accounts, including email and financial accounts.

Budget, Investment, Retirement, Savings

Smart Money Tips for Anyone Age 50 or Older – Part 2

June 21 2023

There is a broad range of potential lifestyle and financial decisions to make and actions to take by age 50+, and below are some of Delta Community’s continuing suggestions for anyone in that age group. This blog is next in an ongoing series covering this important topic, so there will be more to come in the future; Part 1 is also available.

Credit, Investment, Savings, Retirement

Safely Clear Your Old Mobile Phone’s Data Before Getting a New Phone

May 31 2023

It could be unsafe to have an old mobile phone with your personal details end up in the hands of a stranger, even if it’s someone who has no interest in getting into someone else’s data. If a hacker got access to your phone, then your money, credit standing, accounts and reputation could face serious—and maybe permanent—loss and damage. The only person who should have control over a mobile phone’s contents is its owner. If it’s time to move to a new phone, then it’s time to both secure and delete what’s on your old phone before the new phone is activated.

Credit, Investment, Savings, Retirement

What’s the Difference Between a Credit Union and a Bank?

May 24 2023

If you’re reading this, you may be a member of Delta Community Credit Union. Do you know what being a member means? Are you aware that being a member is not the same as being a customer? Do you also get financial services from a local, regional, or national bank? Do you know the differences between a credit union and a bank, and how they are not the same type of financial institution?

Credit, Investment, Savings, Security

6 Quick Clues that You’re Being Scammed

April 26 2023

Scamming is a business that never has an off season; it’s a year-round activity and anyone has an equal opportunity to be defrauded out of money or have their financial accounts illegally accessed and funds stolen. Scammers are experienced, polished and professional, they are quite good at what they do. How can you tell if you're being scammed?

Budget, Investment, Retirement, Savings

How to Track Your 2022 Federal Tax Refund

April 12 2023

Are you expecting a federal tax refund this year? That’s great news, especially if you were hoping to pay bills, store some in savings or investments or to treat yourself (or someone else) to something that’s deserved, fun, and special—maybe even a new car.

Insurance, Investment, Savings, Security

How the U.S. Government Protects Your Credit Union Deposits

March 31 2023

Delta Community sometimes receives inquiries from its members about its financial health and if members’ deposits are insured in some way. The deposits of Credit Union members are insured by the United States government through a program that some of our members may not be aware of, but it’s important to understand how the program operates and the protection it provides.

Credit, Investment, Savings, Security

Hang Up on Imposter Scams—Part 2

March 29 2023

Imposter scams seem to never stop, and no one is immune to being victimized by them. But you can know more about imposter scams—such as what are some of the imposter scam variations, and actions you can take if you’re contacted by a fraudster posing as someone else.

Budget, Credit, Savings, Taxes

What To Do if You Can't Pay All Your Federal Taxes

March 22 2023

Maybe last year you sold a home or sold off a large amount of investments that had greatly grown in value. Perhaps your job is in sales, and because of a super successful year and commission compensation, your take-home pay had an unexpected and very big increase, or your annual bonus was much more than you had anticipated. Whatever the reason for the major positive change in assets and income, you realize that the federal taxes that you need to pay the U.S. Internal Revenue Service (IRS) this year may be more than the cash you have on hand, and very likely will bust your budget.

Investment, Retirement, Savings, Taxes

What To Do with Your 2022 Tax Refund, Commission or Bonus

March 15 2023

An expected refund, commission or bonus can inspire exciting plans for spending our new money. Splurging on something self-indulgent and, maybe, unnecessary, might seem justified, as the COVID-19 pandemic, supply chain disruptions, and challenges with the U.S. economy in the past four years have been stressful for many people, both financially and in other ways. It’s natural to want to reward ourselves using part or all of a tax refund or bonus, which we may think of as extra money that’s different from our regular pay. Keep in mind that tax refunds are money that you’ve already earned. Whether it’s your regular pay or a refund, commission, or bonus, you should be still be responsible with how you use that money.

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Blog

5 Actions to Protect Yourself Online

Smart Money Tips for Anyone Age 50 or Older – Part 2

Safely Clear Your Old Mobile Phone’s Data Before Getting a New Phone

What’s the Difference Between a Credit Union and a Bank?

6 Quick Clues that You’re Being Scammed

How to Track Your 2022 Federal Tax Refund

How the U.S. Government Protects Your Credit Union Deposits

Hang Up on Imposter Scams—Part 2

What To Do if You Can't Pay All Your Federal Taxes

What To Do with Your 2022 Tax Refund, Commission or Bonus

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EHL

Equal Housing Lender

NCUA

National Credit Union Administration, a U.S. Government Agency