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February 2017
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 www.Mocse.org    209-572-3600 
New Card Processing System

To enhance our Debit and ATM Card processing, we will be moving to a new card processing platform later this month.  As a result, there will be delays issuing new and replacement Debit and ATM Cards from 2/13/17 to 2/28/17.  This new card processing platform will provide enhancements that include:
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Statement Fee

The Mocse Fee Schedule mailed with the year-end statements listed a paper statement fee of $2.00.  After a thorough review, there will be NO monthly fee for paper statements
Annual Meeting


Mocse's 58th Annual Meeting will be held Thursday, February 23, 2017 at 5:30pm at 3600 Coffee Rd. in Modesto. Come meet the volunteers that serve on your Board of Directors and Supervisory Committee. Thank You! to our members for voting Mocse as "Favorite Credit Union" for a 12th time!
Holiday Closure


Mocse Credit Union will be closed on Monday, February 20, 2017 in observance of the Presidents' Day Holiday.
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 your credit score?
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Financial Skills Everyone Should Have
Basic money management skills every adult should have


Basic money management skills are key to a financially successful life. Conversely, if you don’t learn the basics of your finances, you can end up in serious debt and struggle to make ends meet.
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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.
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Buying a House with Little or No Credit
Although it can be difficult, homebuyers can purchase a house with thin credit

As with any major purchase that requires a line of credit, the process of buying a home starts with your credit score; the better it is, the better your chances of being approved for a loan. But what happens if you have little or no credit history, as is the case with many first-time homebuyers?
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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.
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How a Work-Study Program Can Help Offset College Costs
Work-study is a great way to make income while attending college

Work-study programs are offered on a first-come, first-serve basis to students with qualified financial need as a means to make income. Whether in undergraduate or graduate school, you may want to consider applying for a work-study program to help cover the costs of obtaining a degree.
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Mocse Credit Union      3600 Coffee Rd., Modesto, CA 95355       209-572-3600       www.Mocse.org

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.


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