February 2017 Contents Preventing Overdrafts What to Look for in Checking and Savings Accounts How a Personal Loan Impacts Your Credit Deciding on the Ideal Down Payment for Your Home Online Financial Scams to Avoid How Online Banking Can Help You Budget Better Understanding Health Insurance Premiums Christmas Club Accounts Vehicle Details: Best Vehicles to Buy Off Lease 3 Surprising Uses for Tea Tree Oil 3 Ways to Make Housework More Manageable Low-Carb Alternatives to Your Favorite Foods Indoor Games for Active Children Creative Uses for Your Attic Space Tell A Friend Preventing Overdrafts How online banking can keep you from overdrawing your account Seeing red? Prevent a negative balance in your account by following these simple tips, many of which can be achieved with a simple enrollment in online banking. [FULL STORY] What to Look for in Checking and Savings Accounts Make the most of your money when it’s held in checking and savings accounts With the addition of online banks to brick-and-mortar institutions, there are a lot of options when it comes to opening checking and savings accounts. There are common factors you should look for in an account, no matter where you choose to bank. [FULL STORY] How a Personal Loan Impacts Your Credit The relationship between loans and credit scores It’s well-known that your credit score has a big impact on your ability to take out a loan, as well as on the total amount of the loan and interest rate your lender offers. But did you also know that the relationship works in the other direction as well?—that a loan can impact … [FULL STORY] Deciding on the Ideal Down Payment for Your Home Is the 20 percent rule really that important? Word on the homebuyers’ street is that you need to put 20 percent down in order to be approved for a mortgage. Nowadays, however, that is not always the case. There are instances in which your down payment can be much less than that, and you’ll still be approved. On the other … [FULL STORY] Online Financial Scams to Avoid Keep your bank account safe online Once you begin experiencing the time savings and convenience of banking online, it may become hard to remember how you ever lived without it. The online tools provided by your financial institution can make many of your financial tasks a breeze, while built-in security measures … [FULL STORY] How Online Banking Can Help You Budget Better Benefits of online banking that can aid in your budgeting process Online banking can make a personal budget much easier to manage. Enrolling will offer you numerous benefits to constantly ensure that your finances are on track, such as the following: [FULL STORY] Understanding Health Insurance Premiums The basics of understanding the cost for a health insurance plan Although the Affordable Care Act (ACA) has helped many Americans get health insurance, the majority of working Americans must still pay for their health insurance. The payment for a policy is known as a premium and varies based on the plan. [FULL STORY] Christmas Club Accounts Are you tired of waiting on your Christmas Club check to come in the mail? Afraid it will get lost? Have your Christmas club funds automatically transferred directly to your checking account. If you are interested, contact the Credit Union today! Vehicle Details: Best Vehicles to Buy Off Lease It’s a great time to save money on a “new to you” vehicle If you’re looking for a new vehicle but are comfortable buying pre-owned, there are plenty of off-lease vehicles that will be making their way to dealerships nationwide, which means you could be in for some big savings. [FULL STORY] 3 Surprising Uses for Tea Tree Oil How the oil of tea tree leaves can improve your skin, health and home Tea tree oil has all kinds of uses, though many people are unaware of its many benefits. Here are a few ways that tea tree oil can help improve your own life. [FULL STORY] 3 Ways to Make Housework More Manageable A trio of tips for making chores easier to complete If you are looking to change up the way you do things around the house with an eye for finishing quicker and checking every box on your to-do list, consider the following tips. [FULL STORY] Low-Carb Alternatives to Your Favorite Foods How cutting carbs does not necessarily mean cutting out your favorite meals If one of your resolutions for 2017 has been to shed a few unwanted pounds, then you may have discovered that one of the clearest paths toward that end is reducing your daily intake of carbohydrates. [FULL STORY] Indoor Games for Active Children These fun games will keep the kids occupied Active kids can get restless pretty easily if they’re cooped up inside the house with nothing to do. To ease the stress of keeping them occupied and pleasant, consider the following indoor games for active children. [FULL STORY] Creative Uses for Your Attic Space Creative Uses for Your Attic Space If you have an attic space that is either empty or full of junk, consider these creative uses for your attic space, ranging from a peaceful getaway to an inspiring studio. [FULL STORY] Published by ACIPCO Federal Credit Union Includes copyrighted material of IMakeNews, Inc. and its suppliers. TELL A FRIEND Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.   ARCHIVE January 2017 November 2016 September 2016 [MORE]

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