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News & Events

You can dispute incorrect information that you find on your credit report.

There is no way to dispute a credit score, per se, but the scores that you receive from the likes of Equifax, Experian, and TransUnion are all based on their respective reports that are comprised of information submitted to them by lenders. It is important to take the time to dispute information you believe is inaccurate in your credit report because it could result in changes to the report. Following are the two most common reasons you may want to dispute a credit report. 1....

What is a credit union, and what is the difference between a credit union and a bank? Contact one of our associates to learn more.

You probably know that there are differences between credit unions and banks. However, you might not be exactly sure what they are. For starters, a credit union is a cooperative financial institution, owned and controlled by the people who use its services. Credit unions are not-for-profit and exist to provide a safe, convenient place where members may save money and may get loans at reasonable rates. Who Can Join a Credit Union? Generally, individuals who live, work, worship, or attend school in the area a...

Having a high credit score may help you when you are trying to obtain a loan.

The early summer months are the busiest times to purchase a home, which means you might be in the home buying market. In order to get the best deal, a high credit score is imperative. As described by the U.S. government website, “a credit score is a number that rates your credit risk. It can help creditors determine whether to give you credit, decide the terms they offer, or the interest rate you pay.” That means that having a high score is incredibly beneficial. What...

Join Us at Our Pooler Branch on June 8th and See Why Where: GHFCU Pooler Branch at 102 Park Avenue, Pooler, GA 31322 When: Saturday, June 8,2019 from 9am to Noon Event Specifics: Food, prizes and giveaways Everyone who stops by can enter a ticket for drawings taking place every half hour Everyone who opens a membership or signs up for any of our other products ( example Loans, shared certificates ) during that time slot will be entered into a drawing for 1 of...

You can dispute credit card charges if you are concerned about errors.

There are many reasons why you may need to dispute credit card charges, such as a business you used accidentally overcharging you or a scammer fraudulently buying tickets around the world in your name. The federal Fair Credit Billing Act (FCBA) protects consumers and credit card companies in regard to billing errors. Such errors include charges with the wrong date or amount; charges you didn’t make; mathematical errors; payments that are not posted; unauthorized charges; and recurring charges that were not made clear to you....

There are several simply ways you may be able to protect yourself from cyber crime. Speak with a credit union associate for information about fraud prevention.

Online fraud and theft involves much more than disruptive emails and untrustworthy websites. Today’s virtual thefts are much more intelligent than they were several years ago. Modern cyber crimes may involve tactics such as ransomware, where criminals literally hold your files hostage until they receive a ransom. As another example, although fraudulent phone calls have existed for many years, the callers’ processes are much smarter now; they can even reach you from a number featuring your own area code in the hope that you’ll think...

It's important to read the fine print. Financial institutions must provide disclosures that detail facts relevant to a transaction.

You’ve heard that you should always read the fine print, but when you do, are you confident you understand what you’re reading? If you’re not sure about the content for the disclosure details, you should feel free to ask your financial adviser or a credit union associate to explain it to you. In the meantime, here are some basic facts you should know. By law, financial institutions are required to provide disclosures that detail all material facts relevant to a transaction. Reading them may enable...

As you're completing your spring cleaning, think about ways you can make extra cash.

With popular cleaning show “Tidying Up With Marie Kondo” inspiring a lot of early spring cleaning this year, you may wonder how you can turn this good habit of organizing your home into a way to make a little extra money to stock your savings account or manage a few big bills better. Here are some excellent options! Selling Clothes to Local Gently Used Clothing Shops Plato’s Closet popularized the option of selling or getting store credit for one's gently used clothing. If you choose...

Teaching financial literacy to children is one way to motivate them to save money. The child in this picture looks happy to be dropping money into her piggy bank.

As parents, it is our responsibility to prepare children for adulthood. One aspect of this is teaching financial literacy to them. When your kids know how to manage money well, they may be less dependent on you financially when they become adults. In addition, they may be in a better position to look after you in your later years when you're no longer able to work. Here are some ways to teach financial literacy to children. Teach the Difference Between Wants and Needs Too often,...

If you're planning to buy a house, there are several home loan documents you may need to start the process.

If you’re buying a house and plan to obtain a home loan through our credit union and AmeriCU Mortgage, we think you’re making a wise decision. We’ll be here to help walk you through the loan process. The first few steps would be for you to obtain certain home loan documents. Getting a hold of these documents early will help the homebuying process move smoothly and efficiently. 7 Home Loan Documents or Resources You May Need to Have 1. Proof of Income You may need...

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