Helpful Information to help you make wiser decisions.
Personal & Mortgage Loans
"I want to apply for a loan, but... how do I lower my credit costs?"
Borrowing money from a financial institution, whether it is in the form of a personal loan, mortgage, line of credit or credit card, means paying interest.
“I want to buy a new car, but … what about financing?”
Are you picturing that Sunday drive in your new car? Beyond the model, options and colour there is the financial obligation and at the end of the day you want to make sure that you have the best deal.
“I want to own my own home, but … is this the right fit for me?”
With mortgage rates low and mortgage ads popping up everywhere maybe this is the year when you move from being a renter to a homeowner.
I want to consolidate debt, but... do I use a Home Equity Line of Credit?
It is hard to imagine decks and renovations when all you can see are snowdrifts, but the Canadian pring mortgage season is upon us.
Understanding Non-traditional Mortgage Products
Mortgages come in all kinds of shapes and sizes and are not one size fits all. Do you know if you are in the one which fits you best? Read on to learn about three less traditional products and who they fit best.
"I want to apply for a Credit Union loan, but... why can’t they come to me?"
Life is busy and there are days when there is no way you can get to your branch to fill out applications or meet with your Personal Account Manager.
Is it the year for a new car?
It’s that time of year again – the new cars are rolling off the assembly line and onto a dealer’s lot near you. So how do you negotiate the best car deal or decide if you should buy new or used?
"I want to be mortgage-free, but... what type of mortgage is best for me?"
Your home is the single biggest purchase you will make. Figuring out what type of mortgage product you should use can be tricky.
“I want to pay down my debt, but... do I really have to pay that much interest?"
Interest: it’s in yours to understand how much you pay.
Borrowing: Increase your power
Here are a few things you should know before you make your loan application
“I want to consolidate my debt, but … do I combine it with my mortgage?”
There is no question paying off your debt is smart. But how you pay it off is key to your financial fitness.
Putting
your home equity to work, Will that be a home equity line, collateral,
or top-up mortgage?
As a homeowner, you may be considering a home renovation project like
building a deck or doing some landscaping. Maybe you want to upgrade
your appliances or plan a vacation getaway. Whatever your goal, The
Credit Union has a mortgage option to help make it happen.
Ins
and Outs of Mortgages
Find out which mortgage is right for you
Types
of Mortgages
Get to know what sort of mortgages are out there.
Answers
to “What do you need to ask if you are applying for a mortgage?”
Here you'll find all the answer to your mortgage questions found in
our newsletter.
Paying
off your mortgage sooner than later
Once you've chosen an amortization period, there is still lots to consider.
Changes
in Mortgages
With changes in the way mortgages are offered in Canada, The Credit
Union is changing to keep ahead of the curve and look out for our members.
Is
your mortgage keeping you in debt?
We can help you make sure your mortgage is best suited to your financial
situation.
Questions
to ask your mortgage lender
Here are a list of questions to ask your mortgage lender to better understand
how your mortgage works.
Payday
Loans and the Government of Ontario
Read more about the process of payday loans as it relates to Ontario
law.
Borrower
Beware
Always be on the lookout for suspicious deals when borrowing -- we're
here to help you recognize the warning signs
The
Power of Consolidating Debt
Learn to combine your payments and save yourself money in interest now
and down the road.
Plan
Ahead: How Much Debt Is Too Much?
“Borrowing” is no longer a negative word but often a smart
option that helps people achieve important life goals.
Credit
cards got you in a crunch?
We’ll help you scrunch those numbers down to size with a Consolidation
Loan.
Spend & Save
I want to feel good about my retirement, but... how will I be able to afford it?
If you are worried about whether you will ever have enough to retire take a look at the type of income sources you need to consider and answer a few questions about what your plans are.
Why Aren't We Saving Anymore?
We used to be savers and now we are spenders, find out why the shift occurred and what steps you can take to reverse your own savings deficit.
Students and Credit
It seems as soon as a university application is accepted credit card offers for students start arriving in the mail. Here are a few things to think about before you sign your credit card application:
Christmas in July
Understand your budget for the holidays and rev up your savings and shopping plan now.
Debt - Why Coming in First is Not a Good Thing
Canadians have the highest debt to income ratio of all G20 countries. Read what you can do to make sure your debt load is manageable.
Financing to get the new car smell
our credit score gives lenders or other businesses a measure of your financial health so make sure you are as healthy as possible.
Know your credit score
our credit score gives lenders or other businesses a measure of your financial health so make sure you are as healthy as possible.
"I want to save on service fees, but... how do I choose a chequing package?"
Tips on how to choose a chequing package.
Bulk
Up Your Savings by Cutting Expenses
Here are some tips on where to look for
savings in your monthly budget
Safeguard
Yourself Against Cheque Fraud
Quick Checklist To Keep You Protected
Are
You A “Passive” Saver?
Talk to us today and we’ll help you “activate” an
automatic savings plan.
Plan
ahead with Sue Wyseman
Advice about In Trust accounts
Take
the hassle out of paying regular monthly payments
Set up Pre-Authorized Debits to take care of it for you
Making
Saving Easier – Tips for Saving
Here are some tips to get you up and on the savings band-wagon.
How
to Balance Your Chequing Account
Read our advice on keeping your daily banking in check.
Online Services
New
and improved online Telpay bill payment service!
We've improved our remote banking services -- come and see how
ATMs & THE EXCHANGE Network
THE EXCHANGE® Android Phone ATM Locator App is Now Available
THE EXCHANGE® Network ATM locator is now available as a free download from the Android Market.
THE EXCHANGE® iPhone ATM Locator App Now Available
THE EXCHANGE® Network ATM locator is now available as a free download from the iPhone App Store. The app is available in English and French.
PIN
protection pointers
What you should know to stay protected.
The
Credit Union and THE EXCHANGE® Network ATM Locations
Providing easy information on ATM locations.
Pack
your Credit Union ATM Card when you hit the road
No Need to leave your Credit Union ATM card at home - accessing your
accounts is just as easy on the road as it is at home with THE EXCHANGE
Network.
Learning Library
We want to make sure we are doing the best job... but we need YOUR help
The Credit Union takes the opinions of our members very seriously. Click here to see how we have been graded this year and what research is coming up in 2012.
"I want to feel good about my finances, but... do I have a financially healthy relationship with my significant other?"
The old adage is that money is the root of all evil, whether it is or not is a philosophical question, but what we do know is money, or fighting about it, is one of the top reasons relationships fail.
December Crossword 2011
Crossword Solution
Why Does the Value of Our Canadian Dollar Matter?
We see the value of the loonie on the news everyday; find out why it matters to everyday Canadians.
The Personal - Reporting Auto Insurance Fraud
With insurance fraud on the rise learn what you need to know on how to report it should you witness a scam.
Protecting a Generation
As the Canadian population ages care needs to be taken to protect our seniors; physical, emotional and financial well-being. Check out information on what to do to protect those you love.
Teaching Your Kids About Money
We all want our children to have happy, productive lives. One of the ways we can help them is to teach them about money and financial responsibility. Check out this article to get some suggestions on how to start no matter what age they are.
Only Half of Canadians are Financially Literate
A new survey is revealing that a surprisingly high number of people in Canada aren't financially literate which can affect how they handle their financial decisions.
Do you know the most common mistakes made when buying a new car?
Walking into the dealership showroom unarmed can mean paying more. Check out the mistakes new car buyers make and what to do to make sure you are driving away with the right car at the right price.
Summer Crossword Puzzle 2011
Crossword Solution
"I want to improve my cash flow, but... what are my options"
Whether you want to stop struggling over bills or just have a little bit more money at the end of each month there are ways to improve your cash flow.
Financial Survival Through a Separation and Divorce
Separation and divorce are difficult enough without the added stress of financial pressures. If you are going through this process make sure your finances are protected.
"I want to make sure my investments meet my goals, but... how can I make sure they do?"
Like many people, you would like your savings to grow in order to provide some income in the future. However, investment performance can be difficult or impossible to predict.
Ready, Set, Homeownership – Tips on Homeownership
There are lots of new responsibilities as a new homeowner. Here are a few things to get you started and to help keep you on track.
Our Member Service - you told us!
Your opinion affects change and every member has the opportunity to shape The Credit Union.
I would like to pay down my debt, but... what should I pay down first?
Given the low rates of return on investments these days, for most of us it means we are losing money each month. If your savings are earning you 3% and your debt is costing you 5% it is not hard to see how you are actually losing money.
Protecting your loved ones - Why make a will?
It is an emotional topic but making sure you and your heirs are well-protected is a key reason to finally write your will.
“I want the best rates, but … how do I protect myself against interest rate fluctuations?”
Interest rates can never please everyone, borrowers want them low and investors want them high.
Why all the questions? Money Laundering and Terrorist Finaning Act
Financial institutions and other companies who facilitate financial transactions are required to keep records of their customers and their transactions and to report large cash transactions to FINTRAC.
Budget 101 - Crossword Puzzle
Crossword Solution
Insurance for Cottages, Camps and Other Vacation Properties
Find out how insurance works on vacation properties.
Tips to Protect You and Your Money
Help protect your identity and your money with these simple tips.
The Personal - What to look for when you buy a home
Tips on considering your current and future needs.
Tips on using your tax refund wisely
Here are a few ideas.
Questionable RRSP/RRIF schemes
An alert to possible tax schemes.
Is
more being 'swiped' than just your debit card?
How to protect yourself from debit card scams.
Beef
up your frontline on fraud
Here are some simple ways to ensure you’re always protected against
debit card counterfeiting.
Tip: Credit Repair
Beware of the quick fix.
Tip: Too close for comfort?
What to do if you're at your credit card limit.
TIP: Identity theft
Valuable information
TIP: Credit Card Conundrums
Did you know?
What
to do at the scene of an accident
Top 10 Tips from The Personal
TIP: Don’t Get “Phished In” By Phony Relief Funds
You can make donations safely over the internet. Just make sure you’re
not “phished in” first by a fake!
Extension
Cord Hazard Warning
Important Information from The Personal Insurance
Credit
card security tip
Getting captured on camera phones
Has
your identity been stolen?
Here are some important signs to watch for.
Plan
ahead with Sue Wyseman
Advice about In Trust accounts
PIN
protection pointers
What you should know to stay protected.
Quick
Tips from The Personal
To avoid aggressive driving situations
Home
buyer helper
Looking for a new home? Here are some tips to help you make the most
of this big life decision.
Tip: Paying at the pump? Hold on!
Gas retailers are now putting a hold on funds in your account.
Water
damage? Act fast.
Tips from The Personal
Getting
more bang for your renovation buck
Before you begin, here are some tips from The Canadian Home Builders’
Association to help you stretch your budget.
Retrofitting
for big savings
Here are some major retrofitting opportunities to help keep the heat
in your house, where it belongs.
Tips
from The Personal
What to do if you have an automobile accident
Tip: Tips for fuel-efficient driving
Here are some great tips from Natural Resources Canada,that can quickly
put money back in your pocket.
The
Personal Insurance - Airbag fraud
With airbags now coming standard in most new cars, airbag fraud is an
emerging trend.
We'll
show you how to borrow to invest
Sue Wyseman, Certified Financial Planner
We'll
show you how to simplify your RRSP and save time
Check out these quick and easy tips from The Credit Union.
7
Tips for Using Credit Wisely
As your credit union, we are always looking out for your best interest.
What
type of debt controls you?
Good debt and bad debt can seem the same when each month it is a struggle
to make payments and meet all of your other financial obligations.
Avoiding
Driver Distractions
Distracted drivers are just as impaired as drunk drivers. It’s
a fact. The studies show …
Don't
be a Victim: Insurance Crime
What you can do to avoid the hassle and pain of insurance fraud
Payday
Loans and the Government of Ontario
Read more about the process of payday loans as it relates to Ontario
law.
Steps
Required to Become a Fully Licensed Driver in Ontario
Getting your driver's license is a big step -- let The Personal walk
you through the stages you'll need to complete.
Financial
Lifecycles – Priorities for Every Stage
For every stage of your life, you need a plan - we can help you out.
Improving
Your Credit Score
Find out how you can improve your credit standing.
I
want to enjoy the summer, but ... how do I keep my eye on the ball?
Warning
– Facebook fraud
Has your identity been stolen?
Financial Planning
"I want the best rates, but... how do I protect myself against interest rate fluctuations?"
Find out how laddering your investment can protect you from interest rate risk at the same time as earning the highest term rates.
It is Scholarship Season – Tips on Searching and Applying for Scholarships
Whether you have been saving money for the day your child goes off to school or not, getting a scholarship eases financial pressure and rewards your child for their achievements and interests. Here are some tips to help you figure out the scholarship maze.
"I want to get the most out of my financial windfall, but... what do I need to know?”
Here are a few tips so you can spend your downtime this summer relaxing and not dealing with the police.
When life throws you a curve ball
Despite our best laid plans, sometimes we experience an unexpected change in our financial situation.
Good Reasons to Borrow Money
For many consumers interest rate increases will be what puts them over the edge. With all the debt we do carry when is it a good idea to borrow and when isn’t it?
You’re ready for homeownership, are your finances?
You have gone through all the pros and cons and have decided that it is time to become a homeowner. Now what?
Is retirement around the corner? What you need to think about.
Another RSP season has come and gone and if you are one of the Canadians who greeted this season as one of your last and have retirement on the horizon it is time to start thinking about how to prepare.
“I want to make sure I save enough for retirement, but... how do I make sure I am doing it the right way?”
It seems every time you turn on the TV or open a newspaper you are confronted with yet another ad about RSPs. Rates, product offers, tax deferment and contribution limits – how can you make sense of it all and make sure you have the right plan in place?
"I want to control my finances, but... it feels like they control me!"
Chances are you have debt and for many of us when the monthly statements start to arrive it feels like our debt controls us and not the other way around. You know you should be saving but where is that money going to come from? There are ways to take control of your debt and build a savings plan.
Year End Check List
Here's a list of some important things that need to be taken care of prior to December 31, 2010.
What is financial planning and why use a Certified Financial Planner?
Do you know the difference between a financial planner who is certified and one who isn't? Find out what a certified planner can do for you and your financial fitness.
I want my child to attend university, but how will I ever pay for it?
t can be hard to believe that the child you are buying back to school supplies for will switch from crayons to calculus and comparative literature. It can be mind boggling to think about how much it will cost.
Need a Financial Planner? Here's How to Choose,
Information and questions to ask to help you choose a Financial Planner.
“I want to slim down my spending, but …
I am not interested in a lifestyle diet!”
The noise makers are put away, the endless ‘Best of …’ lists are done for the
season (thankfully) and your first resolution may have already gone by the wayside.
I
want to feel comfortable about retirement, but … is my pension
safe?
With the financial turmoil of the past
18 months and media coverage of pension plans which have gone or are
going bust, many Canadians are wondering about their own safety net.
TIP: Credit Card Debt. What To Watch Out For
The Credit Union is here to help our members avoid the pitfalls of excessive
credit card interest. Find useful tips to help keep you in control.
Plan
Ahead: Coping with Financial Crisis
Your Credit Union can help you get back on track.
Tip: Too close for comfort?
What to do if you're at your credit card limit.
Plan
Ahead: How Much Debt Is Too Much?
“Borrowing” is no longer a negative word but often a smart
option that helps people achieve important life goals.
Plan
ahead with Sue Wyseman
How much “house” can you afford these days?
Plan
ahead with Sue Wyseman: Budgeting before you retire
Our Financial Planners work with you to ensure that you have a plan
that will take you through every step of your life cycle.
10
Reasons People are in Debt
Here are the 10 main reasons people fall into a debt cycle that can
quickly spin out of control.
I
would contribute to my RRSP, but...
the DOG ate my sofa... again!
Reading
your pension statement
Your statement is a great resource for providing a variety of information
on your pension -- here's how to make sense of it.
Tips
on Back to School Shopping
Get your kids back into the swing of things and save a little money
with these simple back-to-school tips.
Tips
on Budgeting
Working out a monthly budget that works for you can be difficult. Let
us show you how it's done.
Tips
on Making the Most of Reward Programs
Find the reward program that works best for you.
Choosing
the Right Credit Card
Do you have the right credit card for your buying and payment habits?
Use
GO Figure’s Calculators
With GO Figure’s 11 easy-to-use, printable calculators, you get
instant answers plus comprehensive educational information so you can
make more informed decisions.
Your
Best Route To Buying A Used Vehicle
It’s a very popular and sensible way to purchase “new”
wheels and get the best deal - talk to The Credit Union first about
financing.
Home
buyer helper
Looking for a new home? Here are some tips to help you make the most
of this big life decision.
Year
End Financial Check List
Here’s a list of some important things that need to be taken care
of prior to December 31st.
Finding
a trusted advisor
Follow these helpful tips in choosing the best financial advisor for
you.
How
much car can you afford?
Get to know your limit, and spend within it
Money
Skills for Each Age Group
Learning financial skills is crucial at every age and is necessary for
the development of every child. Here are some easy tips for helping
your children appreciate the importance of financial intelligence.
Taking
Care of Your Finances Now
In this time of market turmoil, we want to give you tips on how to protect
yourself.
 Financial Fitness
How financially flexible are you?
Whether it is a credit card or a line of credit (LOC) almost everyone has some form of revolving credit.
"I want to get my finances in shape and be financially fit... but how can I keep track and see improvements?"
It's February and for many Canadians the New Year’s resolutions they made are long forgotten.
"I want to feel good about my finances, but … how do I take back control?"
Taking back control of your finances takes some time and discipline, but once started on the right path it will get easier.
Financial
Fitness Test: Strength
Test your financial strength with our worksheets.
Use
GO Figure’s Calculators
With GO Figure’s 11 easy-to-use, printable calculators, you get
instant answers plus comprehensive educational information so you can
make more informed decisions.
Credit
cards got you in a crunch?
We’ll help you scrunch those numbers down to size with a Consolidation
Loan.
Are
You A “Passive” Saver?
Talk to us today and we’ll help you “activate” an
automatic savings plan.
Financial
Fitness - It Means Paying Attention
Get a handle on your financial fitness and learn to read the signs.
I
am worried about the economy, but … not sure how it affects my
financial health overall.
Two years ago this month we launched our Financial Fitness tests. With
the economy in its present state it is time to take a long, hard look
at your own economic health.
Registered Plans
The CPP Retirement Pension – When Should You Apply?
The Canada Pension Plan (CPP) Retirement Pension is a taxable, inflation-protected public retirement benefit for wage earners.
Understanding the Changes to the Canada Pension Plan
Being prepared for retirement means understanding all of your options and income sources. Read on to understand the changes made to the Canada Pension Plan.
Registered Disability Savings Plan - Financial Needs for People with Disabilities
To help individuals with disabilities save for the future, the federal government introduced Registered Disability Savings Plans (RDSPs) in 2008. Click here to learn more about this very important program.
Are you close to retirement? Ways to get income from your RRSP.
If an unfortunate occurrence such as fire or theft should happen, it is good to have an accurate and detailed inventory list of your personal property.
I want to save for my retirement, but … I don’t know the right choices to make!
Do I save in my TFSA ἀrst or after my RRSP? Or do I even make a contribution?
Paid
off your debts?
What to do when you’ve got extra cash…
Plan
ahead with Sue Wyseman: Budgeting before you retire
Our Financial Planners work with you to ensure that you have a plan
that will take you through every step of your life cycle.
We'll
show you how to borrow to invest
Sue Wyseman, Certified Financial Planner
We'll
show you how to simplify your RRSP and save time
Check out these quick and easy tips from The Credit Union.
Questionable
RRSP/RRIF schemes
Taxpayers should avoid schemes that promise the following:
Talking
to YOUR Parents
Financial planning means different things to different people. Understanding
your role in your parents’ financial planning is important.
Mutual Funds
 Your
Wheels
The Personal - Poll: Canadian parents support booster seat law, but few use them
A new survey of Canadian motorists indicates that drivers may not be practicing what they're preaching when it comes to buckling their children in the most effective way.
The Personal - Texting while driving
Texting while driving is rampant in the country and the Insurance Bureau of Canada is demonstrating how dangerous it can be through the use of a driving simulator.
The Personal - 95 Percent of Canadians wear seatbelts
A recent report from Transport Canada is indicating that the country's motorists may be among the safest in the world. Find out more by clicking here.
The Personal - Extending the Life of Canada's Cars
Click here for some tips Canadian motorists should take to ensure their vehicle stays around for as long as possible.
The Personal - Lesser-known traffic offenses that can lead to a ticket
If it has been a long time since you have read the driver’s handbook, take a look at a few of the offenses which can get you a ticket and potentially a larger insurance premium.
The Personal - The Impact of Your Deductible on Your Premium
Not sure what the deductible on your insurance policies has to do with the premium you are paying? Check out this article from The Personal so you can understand and make the decision best for you and your finances.
The Personal - Car Insurance Myths
Separating fiction from facts can save you money on car insurance and help you when you are deciding on what car to buy. Check out the myths and the reality here.
The Personal - Discouraging Car Thieves
According to Statistics Canada, nearly 500 vehicles are stolen every day in Canada. As a car owner, you can help lower this statistic—and avoid all the upset and inconvenience of having your car stolen.
The Personal - Tips to Save on Home and Auto Insurance Premiums
While there are some insurance myths surrounding this topic, here are some ways you can save on your auto and property insurance premiums.
Winter Driving
Tips on Winter Driving
Are
your tires the right ones for winter driving?
Do you drive where there's a lot of snow? The condition and type of
tires you use are important for safety.
Driving
the negotiation, How to get a better car deal
You've done the research, found your dream car, and now you're gearing
up for the negotiations. Here are some tips that will put you firmly
in the driver's seat when wheeling your best deal.
Quick
Tips from The Personal
Answers to your questions about Auto Insurance.
Your
Best Route To Buying A Used Vehicle
It’s a very popular and sensible way to purchase “new”
wheels and get the best deal - talk to The Credit Union first about
financing.
What
to do at the scene of an accident
Top 10 Tips from The Personal
Winter
driving tips
Reduce your risk with these quick tips.
Air
bags and safety
Consumers ask questions - The Personal Insurance answers
Tips
from The Personal
What to do if you have an automobile accident
The
Personal Insurance - Airbag fraud
With airbags now coming standard in most new cars, airbag fraud is an
emerging trend.
Student
Savings on Auto Insurance From The Personal
The Personal Insurance Company is proud to announce new preferred rates
for post-secondary students and recent graduates.
In
the Know about Insurance
Get the coverage you need!
Don't
be a Victim: Insurance Crime
What you can do to avoid the hassle and pain of insurance fraud
How
much car can you afford?
Get to know your limit, and spend within it
False
Advertising
False advertisement can also extend to insurance. Lookout for potential
insurance scams -- here are a few of the telltale signs.
Tire
Safety
Keep your tires tuned for the road conditions to save wear and tear
on your car.
Understanding
Insurance "Lingo" - What do those terms really mean?
Insurance uses a lot of terms we may not all understand fully. We're
here to help clear up any questions you may have.
Questions
to ask before you buy car insurance...
Let us steer you in the right direction!
The
Personal - Canadians Don’t Know Their Stuff
Make sure you know all you need to know about insurance.
Your
Home
The Personal - Before You Renovate
If you’re a homeowner and are planning to embark on some major renovations, here are a few items you’ll want to think about before getting started.
The Personal - What Insurance Companies Look For When Insuring Your Home
Before an insurance company can arrive at an appropriate premium, it must first assess the likelihood or risk that you will submit a claim. Read about a few things your insurance company may ask you about.
The Personal - Keeping track of your personal property with a property insurance inventory list
Whether you are an established family or just starting out, you probably have property that is covered under your insurance.
The Personal - Protect Your home
With the arrival of winter comes the potential for ruined carpets and water damage to your ceilings and walls caused by ice dams on roofs or bursting pipes. Fortunately, there are steps you can take to help prevent this kind of damage to your home.
The Personal - Avoiding Cottage Fires
It’s important to create a firebreak around your cottage – an area that won't fuel a fire. Your basic protection is to keep the grass cut and raked. But there is much more you can do to create primary and secondary firebreaks.
“I think I want to renovate, but... how do I start?”
Whether you are a do-it-yourselfer or planning to hire a contractor there are many ways to save and make sure you get the return on investment (financial and otherwise) you are looking for.
The Personal - Helping Your Trees Survive Storm Damage
Read what you can do to help restore the shape and health of a damaged tree.
The Personal - Water Damage, Mold and House Insurance
Find out what to do when you have water and mold damage.
Getting Your House Ready to Sell
Put your best house forward using these tips.
Winter Driving Survival Kit
Recommended items to include in your winter survival kit.
Putting
your home equity to work, Will that be a home equity line, collateral,
or top-up mortgage?
As a homeowner, you may be considering a home renovation project like
building a deck or doing some landscaping. Maybe you want to upgrade
your appliances or plan a vacation getaway. Whatever your goal, The
Credit Union has a mortgage option to help make it happen.
Water
damage? Act fast.
Tips from The Personal
Getting
more bang for your renovation buck
Before you begin, here are some tips from The Canadian Home Builders’
Association to help you stretch your budget.
Identity
Theft Assistance from The Personal
We are pleased to announce that Identity Theft Assistance has now been
added to all property insurance policies at no additional cost
Ins
and Outs of Mortgages
Find out which mortgage is right for you
New
Home-Based Business Insurance From The Personal
We are pleased to offer home-based business owners an important additional
option to their home insurance policies.
Insurance
Fraud
It’s become a business that costs us all!
Understanding
Insurance "Lingo" - What do those terms really mean?
Insurance uses a lot of terms we may not all understand fully. We're
here to help clear up any questions you may have.
The
Personal - Canadians Don’t Know Their Stuff
Make sure you know all you need to know about insurance.
Travelling?
News Canada - Five ways to plan your winter vacation safely and economically
Planning to escape the cold this winter. Here are some great tips to make sure your vacation is the best it can be.
Summertime and the Traveling and Banking is Easy
Don't worry your credit union has a handle on what you need to do to make sure your vacation plans don't end up giving you a financial hangover.
The Personal - Protect Yourself
Winter storms can be dangerous. Learn the best steps to protect yourself and your family.
Heading South? Keep an Eye on Your Money up North
Planning a winter get away? Before you go make sure you have done everything you need to keep you and your money protected.
The Personal - Keeping Your Head Above Water
If there is one thing and one thing only you learn and put into practice after reading this safety information it’s wear your lifejacket or PFD!
Travelling - Your Money and The Credit Union
Financial tips to include your Credit Union in your travel plans.
Money and your Travels
Travel planning tips.
It’s February and I need to escape
Tips on planning your vacation.
Tip: Your Vacation Snapshot
Keeping a record of the contents of your wallet.
CU
Tip: Protection with healthy travel insurance
The Credit Union offers a simple, value-added solution for all of our
members.
Tips
on cross-border shopping
Before you shop - make sure you have all the information you need to
make the best out of our stronger dollar.
Vacation
Check List
That vacation you've been dreaming of is almost here -- check here to
make sure you've got your financial worries all taken care of before
you leave.
News
for Winter Travellers - Make your trip worry-free
Tips on keeping your home safe and secure while you are off enjoying
your winter vacation.
New
rules for entering the U.S. by land or water
Find out what documents you need to enter the U.S. from Canada.
A
little about travel warnings
Find out about travel warnings and how they may affect your travel plans
and insurance.
Service Fees
ATMs
– Our 99% Commitment
While we cannot control service interruptions we can limit the impact
on our members.
Saving
Money - Start with Service Fees
Learn to manage your money and save on those pesky fees.
Safety & Security
Keep You and Your Money Protected
Every week there seems to be a new way criminals try to take advantage of the system to obtain access to accounts and information. Here are some tips to help you protect your money and identification.
Heading Off for March Break? Beware of WiFi Hotspot Scams
It is great to escape from the same-old same-old, but whether you have escaped for March Break or just the office be on the lookout for WiFi hotspot scams.
Tips to Stay Safe at an ATM
Your personal safety is more important than any amount of money. Make sure you follow these tips to keep you safe at the ATM.
The Personal - Hypothermia: The Cold Killer
Find out how to increase your odds of survival in cold water.
“I know the new debit cards are coming, but... why the change?"
Over the past couple of years we have written several articles about debit card and ATM fraud. In fact, in 2009 financial institutions reimbursed over $142 million to victims of debit card fraud. The new ‘chip’ debit card is part of the evolution of the international electronic payment system as it continues to improve technology and reduce fraud.
Protecting You from Fraud - Holds and Limit Changes
Find out why a hold is placed on an account and debit card limits are lowered.
Your card may have been compromised – now what?
We know replacing your Debit Card is a hassle, but with
debit card skimming and other forms of fraud on the rise protecting our members is our priority.
Is
more being 'swiped' than just your debit card?
How to protect yourself from debit card scams.
Safeguard
Yourself Against Cheque Fraud
Quick Checklist To Keep You Protected
Beef
up your frontline on fraud
Here are some simple ways to ensure you’re always protected against
debit card counterfeiting.
TIP: Identity theft
Valuable information
TIP: Don’t Get “Phished In” By Phony Relief Funds
You can make donations safely over the internet. Just make sure you’re
not “phished in” first by a fake!
Extension
Cord Hazard Warning
Important Information from The Personal Insurance
Credit
card security tip
Getting captured on camera phones
Has
your identity been stolen?
Here are some important signs to watch for.
PIN
protection pointers
What you should know to stay protected.
Quick
Tips from The Personal
To avoid aggressive driving situations
How
we’re helping prevent debit card fraud
The Credit Union is looking out for you.
Tip: Don’t go changing
Keep your credit card company in the loop.
Tips
to Avoid On-line Fraud
To help protect you from fraud when shopping online here are a few good
shopping habits you may want to consider.
The
Best Defence Against Auto Theft
Protect yourself and your family from auto theft.
Wheels
in motion: the perils of messy cars
Avoid potential injury and hassle by following these helpful tips.
Tips
to Protect You and Your Money
It only takes a few simple steps to safeguard your finances -- take
a look and see how
Reporting
Identity Theft and Fraud
If you think your financial information has been compromised, we have
the steps you need to follow.
Your Car is Sinking!
Car calamities can strike without warning -- click here for survival
tips for one such event.
Public
Safety: Oh Deer, Oh Moose, Oh My!
Wildlife dangers increase during November -- learn how to avoid a harmful
collision.
What
is that smell?
Tips for when you suspect a natural gas leak.
Warning
– Facebook fraud
Has your identity been stolen?
Tips
We for the information and articles you
need from The Credit Union to help you in your decision making.
Member Testimonials
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