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Fresh, Fun & Financial. What could be better?

How to NOT let a blizzard cramp your style! by John

February2

You may have noticed that we got a little snow last night. OK, a LOT of snow!

I shouldn’t be surprised. It is, after all, winter in Iowa. My solemn vow to move south has gone by the wayside yet again.

I’m not a big fan of winter. I’m miserable when the first cold snap happens. I eventually get used to it, but I’ll never enjoy it. I tolerate it, at best. If there’s a choice between going outside or staying in, well, it’s not really a choice; I’m happily housebound.

Of course, there are times when I have to leave the house: work, food, beer run, etc.

If I were independently wealthy, I could probably get away with holing up for 4 months and counting on Punxsutawney Phil to let me know when it’s safe to emerge. Everything could be done online or over the phone and delivered. Then again, if I were independently wealthy I would probably have a winter home in Arizona. But, I digress.

Anyone nodding their head in agreement at this point? Anyone still reading?

The good news is that we don’t have to go anywhere to do most of our banking at Linn Area. We have a boat-load of ways to get things done financially without visiting a branch. I’m sure we’ll be missed (especially me since I, you know, work here), but the other CU employee-type folk will understand. They’re cool like that.

So what kind of choices do we have?

  1. e-Branch – It’s our Online Banking product.  Transfer funds, make loan payments, check out your History, etc.  Need it done?  Chances are you can do it online.
  2. Piggy-backed on top of e-Branch is Bill Payer.  It’s pretty self-explanatory – you can pay bills with it.
  3. Use Facebook?  Check out our My Money app.  It’s basically a lite version of e-Branch.
  4. Have a mobile phone?  Mobile Money is where it’s at.  There’s a text version and a web based version so just about everybody can use it.
  5. Then there’s ART or Audio Response Teller.  All you need is a touch tone phone.  (Tin cans and string not supported.)
  6. Want to talk to someone, but really don’t want to talk?  We’ve got a Live Chat feature that’s pretty darned slick.
  7. Old school or need a real voice?  Give us a call and talk to one of our Member Service Reps.

You can also apply for a loan, order checks (they’re these special pieces of paper that people used to use), access calculators for just about any type of financial equation…….. you get the idea.

You can find info about all of these things on our brand spanking new website.  If you’re reading this blog then you’ve already found it, but I’ll repeat it anyway – www.linnareacu.org.

OK, lunchtime.  I’d have something delivered, but I have to let my dogs out – they LOVE it outside for some reason.

So, be good and see you in the Spring!

In the comments below, tell us – what’s your favorite way to stay connected with LACU when you can’t get to a branch?

Hi-Five, Iowa! by Nick

December9

Have you ever wondered what it would be like to live life without a huge boulder on your back? Well I believe that most Iowans are moving in that direction. The latest credit card debt report came out from TransUnion and said that Iowans have the lowest credit card debt nationally. Way to go, Iowa!

According to The Gazette, Iowans had an average of $3,807 in debt, which is down from nearly $6,000 just a year ago. This is an enormous achievement for our state and it shows how our local economy is really starting to shape up.

Know what’s cool about low credit card debt? It helps us save more of our disposable income. Cha-ching! I’ve been that person struggling month to month with credit cards. The temptation is always there to live materialistically, but if you can discipline yourself, you can also experience a boulder free life. Take it from me, living boulder free is definitely the way to go!

With the year coming to an end, now is the perfect time to start thinking about your New Year’s resolutions. My suggestion? Make your New Year’s resolution to get out from underneath your credit cards. A good place to start is the easy to use financial calculators on our website. Click here to see what it will take to pay off your credit card balance and what you can change to meet your repayment goals.

We at Linn Area Credit Union are always happy to help you achieve your goals. Please let us what we can do!

Have you started thinking about your New Year’s resolutions yet? Will they be related to your finances?