MONEY TIPS FOR EVERY STAGE IN LIFE

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News outlets seem to highlight a new data compromise every week. Hackers and scammers are continually gaining access to files containing sensitive personal information, such as Social Security numbers. So what can you do to deter identity theft if you are alerted your personal information may have been compromised? Place a fraud alert on your credit […]

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HEALTHY EATING ON A BUDGET

September 2, 2017

“Eating healthy is so expensive!”  Many of us have heard or said these words at some point. It’s a common phrase, but if you do a little digging, you’ll find that this assumption is easily discredited. Trendy health food stores seem to be popping up on every corner. They offer great wholesome foods, but often […]

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As a parent, you want the best for your child, and want to make sure they’re fully prepared before heading off to college. When it comes to money management, use the three tips below to help them get ready for financial independence. 1. Make sure they’re educated Arm your student with information to make sure […]

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Scholarships, which are generally monetary awards distributed to students by schools and businesses, are a great way to pay for education. But not all scholarship offers are legitimate. Here is some advice you can follow to avoid falling victim to a scholarship scam. Never Give Financial Account Information A scammer looking to acquire account information […]

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Each time you purge your house of unwanted items, such as clothes the kids have outgrown or kitchen appliances you no longer use, you’re faced with a question: should you try to make money off those items by selling them, or are you better off giving them to a charitable organization? The answer isn’t black […]

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CREDIT ON CAMPUS

August 15, 2017

Throughout your time spent in college, there will be several opportunities to apply for credit cards based on your newfound independence. Here are some things to consider when choosing a card. Credit Cards for College Students Companies that advertise credit cards will often target college students because they’re in need of money to cover the […]

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Buying textbooks is a significant educational expense for college students that might sneak up on you. These required materials can be hundreds of dollars each, so it’s important to be educated on your options before jumping into purchasing your textbooks for the semester. Student loans can help cover these costs if you don’t have the […]

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There are several scams that fraudsters use to try and make money illegally. College students are often vulnerable to certain scams based on their situation and perceived understanding of finances. Listed below are popular scams targeting this demographic and ways to avoid becoming a victim. Federal Student Tax Scam Scammers will call students heading back […]

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There’s a variety of meal options for college students; however, it’s important to watch how much of your money is going to get eaten up by those delicious meals. Grocery shopping can be a major expense, but there are several ways to save. Here are a few tips and tricks to keep your grocery budget […]

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News flash: College is expensive. Even an in-state student at a public university will pay a pretty penny to earn an undergraduate degree. According to the College Board® Trends in College Pricing 2016 report, an on-campus student at a four-year public college can expect to spend $24,610 in-state and $39,890 out-of-state annually. The cost increases even […]

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As we approach the celebration of $1 million saved by members who use our PSECU Savings app, we’re excited to introduce new features in the app that will help you reach your goals even faster. First is a new feature called “Scratch.” This easy-to-use feature allows you to “scratch” and reveal an amount of money […]

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Starting a small business can be an exciting adventure. When you have a vision and you bring it to life, you get the personal rewards that come with following your passion, not to mention the perks of working for yourself. However, launching a new business isn’t easy. It takes determination and hard work. In addition, […]

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If your child is entering their final years of high school, you undoubtedly have begun to think about what college they’ll be attending. You might also be wondering how to pay for it. You know financial aid exists, of course, but you may not know the nitty-gritty details, such as how and when to apply […]

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Have you ever dreamed of getting a sudden financial windfall? An inheritance from a long-lost uncle, a winning lottery ticket, an unexpected bonus at work – that’s what financial fantasies are made of. What if we told you there actually might be a windfall in your future? You could find unclaimed money you didn’t even […]

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We all make both big and small financial decisions every day. From buying the generic version of cereal at the grocery store to splurging on the family vacation you’ve dreamed of for years, your daily activities all contribute to your financial health. Having an idea of how financially healthy you are helps you make fiscally […]

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If you calculated how much time and money you spent writing checks and buying stamps to pay bills, you might realize that those minutes and $0.49 stamps can start to add up. But there’s a faster, less expensive way to pay. It’s called Bill Payer, and it’s a service provided to every PSECU member in […]

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When you think of State College, you inevitably think of Penn State, the nationally renowned university. State College is a college town through and through, and much of its entertainment runs through the school. Still, there are plenty of things to do off-campus as well. State College sprang up around the school in the late […]

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Food is one of life’s necessities, but depending on the size of your family and what type of food you buy, it can be one of life’s more expensive necessities. However, with some preparation and planning, it’s possible to keep your family’s food and grocery budget under control. Before you create a food and grocery […]

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Hershey got its start as the model town envisioned by The Hershey Company founder, Milton S. Hershey. He started the community to give workers at his chocolate factories a place to live. He loved the idea of creating a place for families to thrive. More than a century later, his vision remains evident in clean […]

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When a friend or relative asks you to be their bridesmaid, your first response is most likely an excitement-filled “yes!”  However, when the planning begins, the experience may cost you more than you had initially thought. The cost of your dress, accessories, travel arrangements, gifts and events leading up to the wedding can add up […]

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Keeping the temperature of your house or apartment comfortable during the summer can get expensive. But just because temperatures may seem to rise exponentially doesn’t mean your electric bill has to. We’ve outlined some simple swaps and cost-free steps to keep your home cool and your bills low. Simple Swaps Use a Programmable Thermostat Did […]

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An important part of any shape-up plan is maintenance. After working hard to attain your goals, you don’t want to slip back into bad habits that can sabotage the effort you put in. It’s true when you’re dieting, and also true when you’re tending to your financial health. In our four-part series on financial health, […]

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We’re almost halfway through 2017 already, and our members have responded enthusiastically to our Founder’s Card. Named to honor the legacy of the 22 people who scraped together $90 to create our credit union, the Founder’s Card is a cash rewards credit card. To date, we’ve issued close to 10,000 Founder’s Cards, exceeding our original […]

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You’ve probably given a lot of thought to dealing with inevitabilities in life such as retirement and your kids’ college funds. But what about life’s uncertainties? You’re much less likely to plan for these things, but they’re no less important. Natural disasters are one such uncertainty. While you may feel as though you’re immune to […]

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Money can cause a lot of friction in relationships and is often cited as one of the leading causes of divorce. But your financial problems won’t always end after your marriage does. You may have to pay child support or alimony, and even if you and your partner both work, you’ll go through a reduction […]

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There are plenty of ways to plan the wedding of your dreams without breaking the bank. There’s no need to bid goodbye to that vision of walking down the aisle in a beautiful gown, or the one where you enjoy the perfect honeymoon with your spouse. In this post, we’ll explore several budget-friendly wedding reception […]

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When it comes to your spending habits, small purchases can add up fast. You may not even realize how much you’re spending until you evaluate your expenses and discover that those daily meals out cost more than your monthly rent. Of course, this works both ways. When you set just a small amount aside each […]

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By now, you should be on the right track to a healthy financial life. Part one in our series advised you on how to detox your budget, while part two explained how to get your credit in shape. Now, in part three, we’re moving on to proactive financial health by setting financial goals. What are […]

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Summer’s a popular time to fly, but plane tickets and other travel costs can add up. While the price of plane tickets may be out of your control, there are many things you can do to help keep your spending in check. Read the Fine Print Every airline has different guidelines and fees for bags. […]

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You may be planning to get your body in shape for summer this time of year, but don’t let that distract you from focusing on your financial health as well. Being fiscally fit is just as important as staying physically fit, and building up your credit score is a vital aspect of financial fitness. Having […]

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With a fast-growing population and a booming economy, the Lehigh Valley offers residents and visitors alike a great place to explore. When you visit, you’ll find many affordable things to do in Allentown, Bethlehem and Easton, PA, several of them geared toward families. From events to zoos to museums, the area has a wide variety […]

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Good money habits are important, and teaching them to your child early on sets your child up to be a financially savvy adult. Fortunately, children are naturally curious about how the world around them works, and you can use this to your advantage. Below are some ideas to use when teaching your child about money. […]

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Are you ready to sell your car? You’ve enjoyed some good times together, but maybe it’s time for an upgrade or you need more space for a growing family. While you may shed a tear or two, remember that no car stays with you forever. The trick, though, is to make sure when you sell […]

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A well-rounded meal consists of three main things — a meat or other protein, a vegetable, and a grain or starch. How you combine them to tickle your taste buds is the key to creative cooking. The promise of a tasty, healthy meal can help you get through a long day. But the last thing […]

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Getting financially healthy has a lot in common with getting physically healthy. A good bit of that health comes from willpower – the self-control we all use to do the things that aren’t necessarily fun, but will help us in the long run. Willpower is like a muscle; the more you use it, the better […]

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You’re in the market for a new — or perhaps a new-to-you — car, so where do you start? You probably know the best deals go to educated buyers. And whether you’re buying your first car or are a seasoned veteran, there’s always something to learn. To give you a competitive advantage on finding the […]

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Have you truly explored all there is to offer in Pennsylvania? There are 169 national historic landmarks in the state – 169 places for you to explore history and find new adventures. You could spend every weekend for three years exploring each one, and you still wouldn’t see them all. The best part is that […]

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What does financial freedom mean for you? For many people, it means making their money work for them so they have resources available on hand when they need them. Whether you live alone or have a family, a money management plan ensures you stay on track financially and use your resources to their fullest. A […]

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There’s nothing quite like finding the perfect weekend getaway for you and your significant other. While different couples have different ideas about what a romantic getaway is, Pennsylvania has plenty of options to offer, from a cabin in the mountains to a luxury hotel in the heart of the city. To give you a head […]

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Going on vacation is a dream for many people, but saving for this goal can be daunting. However, there are several ways to save money that will have you saying “bon voyage” faster than you may think! Set Up a Dedicated Savings Account Set up a savings account just for your trip. This will keep […]

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Are you feeling disenchanted with the high fees your bank is charging? Or perhaps you’re looking for a new way to make your money work harder for you while still giving you easy access to your funds. The answer to your banking questions is closer than you think. Credit unions, like PSECU, offer numerous advantages […]

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You don’t have to spend a fortune to eat at some of the best restaurants in Pennsylvania. As all serious foodies know, there are many establishments combining amazing dishes with affordable menus. We’ve taken some of the guesswork out of finding the most affordable and best restaurants in Pennsylvania. We’ve scoured lists of the best […]

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You may know the five components of a credit score and how important having good credit is for things such as buying a car, getting a cell phone plan, or getting approved for your own apartment. You may also know that the government allows you to get a free credit report once a year from […]

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Creating a plan to pay off your loans right out of college is critical to significantly cutting down the time it takes to pay off loans and save you money. That’s why we’ve created this infographic to help you learn the best way to pay off your student loans. Find out which strategy is best […]

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PUT THE FUN INTO SAVINGS

April 11, 2017

You know you should be saving money, but sometimes it’s hard to get started. In the old days, you could start simply by emptying the change in your pockets into a jar or piggy bank at night, but today we pay for just about everything with a card and don’t find ourselves with much loose […]

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Our vision at PSECU is that our members will recognize us as their trusted financial partner. Every day we work toward our mission: to safely and securely provide the best value to our members throughout their lives. How do we do that? It starts with the products and services we offer. We charge few, if […]

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For long-term financial goals, you may have the luxury of saving up. When emergencies happen, though, you may need to find quick ways to make money so you can pay for the unexpected. Whether it’s a car repair, medical issue or sudden expense, there may be several reasons why you may need to find a […]

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There’s more to being a college student than studying. It’s a special time to transition from living under your parents’ roof to providing for yourself. It can be a challenge to juggle classes, part-time jobs, and your budget. But many brands and stores make it a little easier by offering discounts and benefits just for […]

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FUN MONEY GAMES FOR KIDS

March 22, 2017

Games can make learning about finances fun and build important skills, too. They can even be a sneaky way to help your children practice their math skills. If you’re looking for a way to teach kids about money, try these fun board games, online games and DIY games. Board Games Monopoly® This classic board game […]

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If you and your partner have decided to combine finances, you’ll need to start taking steps to make it happen. Open and honest conversation will continue to be an important part of this process, so you should plan to work together or check in with each other as you’re going through these steps. Bills & […]

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Saving money doesn’t have to be a chore. Whether you’re saving for a vacation or an emergency fund, there are many smart ways to do so without feeling deprived. Start by trying these smart money-saving tips and watch the cash pile up in your account. 1. Create a Separate Account for Supplemental Income Start freelancing […]

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Criminals will use creative ways to get your personal and financial data. One technique they use is called “skimming.” Thieves use hidden electronics to steal the information stored on your card and record your PIN number to access all that hard-earned cash in your account. Some skimmers install a phony card reader or keypad. Others […]

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Are you having trouble finding a place to call home that won’t break your budget? For savvy buyers looking for the right combination of budget-friendly cost of living and people-friendly communities, this ranking of the 10 cheapest places to live in PA has the information you’re looking for. Check out Movoto’s original list for a […]

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Whether you’ve always had an open dialogue with your partner about finances or only recently had the money talk, there are a lot of things to consider before combining finances. We’ve outlined nine of the most important ones below. What bills will you combine or keep separate? If you’re considering moving in together and/or getting […]

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Looking for things to do in Harrisburg that won’t break your budget? Pennsylvania’s capital city is filled with opportunities to learn, relax and enjoy yourself, no matter the time of year, even if you’re on a budget. If you’re searching for attractions in Harrisburg, PA, here’s a look at some of the most popular options […]

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Wouldn’t it be nice to find easy ways to make money on the side? Whether you’re looking to have extra spending money, working to pay off your debt faster, or saving for a dream vacation, here are a few common ways to earn extra income. Keep in mind, the demands and pay for these jobs […]

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With the introduction of our new credit card, the Founder’s Card, we’ve started to receive questions about which card our members should choose. While both cards offer great benefits, there are different perks to each. The Classic Card As of January 2017, our Classic Card continues to have a competitive interest rate, with a 9.9% […]

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REDEFINE YOUR REFUND

February 3, 2017

We know it’s tempting – it’s the beginning of a new semester and your student aid “refund” has just been deposited into your checking account. You think of how easy it could be to use that money to splurge on all of the things you’ve been wanting – a nicer cell phone, new clothes, or […]

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WHAT’S IN A CREDIT SCORE?

January 30, 2017

We know a lot of things compete for college students’ attention. Finishing assignments, passing exams, seeing friends, looking for jobs or internships… the list goes on and on. While these are all important things to focus on, learning about credit is crucial for your future success, as well. Many potential lenders, employers and landlords will […]

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It’s an exciting time for PSECU, and we’re kicking off 2017 with new products, technology and services to bring value to our members. Every day we strive to uphold the vision of our 22 founders: giving friends and family the opportunity for a better life.  As we begin a new year, that focus will remain […]

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Have you started to dread getting your electricity bill every month? Does the thought of wasting energy unnecessarily drive you up the wall? We understand. Home energy use is both expensive and, in an age of increasing environmental awareness, a source of nagging guilt for many people. Homes use energy in complex ways, and there’s […]

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Do you feel lost when it comes to financial planning? You’re not alone. According to a 2015 national financial capability study by the FINRA Investor Education Foundation, two-thirds of Americans lack basic financial literacy. And while there are more tools available than ever before to help you bridge that gap, wading through the trendy, flash-in-the-pan […]

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If a stranger approached you on the street, what would you tell them about yourself? Would you rattle off your full name, date of birth, and phone number? Hand them your phone and let them scroll through all your photos? Give them your home address and then tell them when you won’t be home? Unfortunately, […]

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A car is a major purchase and there’s a lot to consider. Do you go for the stylish ride of your dreams, or a more practical choice that will deliver reliable performance for years to come? The good news is that auto manufacturers are beginning to show that the two don’t need to be mutually […]

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Many people dream of owning their own small business, but aren’t quite sure how to establish business credit as they get up and running. While each case may be slightly different, here are some options you can consider to start building business credit. Have a Solid Business Plan Ready Before anyone will consider lending to […]

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When you picture your retirement, what does it look like to you? Do you see yourself exploring ancient ruins or colonial cities? What about taking surfing lessons on a tropical beach? For a growing number of professionals, retirement isn’t a far-off dream — it’s something they are actively working toward and planning to take full […]

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For many of us, college is the first time we’re truly “on our own” – making our own schedules, doing laundry, and managing our own money. It may seem intimidating, but it doesn’t have to be. We’ve highlighted some of the top tips for each year. Before Freshman Year Have an honest conversation with your […]

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Teaching your kids to be responsible with money is the best way to start them on a path toward lifelong financial stability. That’s why chores can be more than just an easy way of sharing the workload around the house. It’s important to teach kids that working hard and being diligent about saving money will […]

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The content provided in this publication is for informational purposes only. Nothing stated is to be construed as financial or legal advice. PSECU does not endorse any third parties, including, but not limited to, referenced individuals, companies, organizations, products, blogs or websites. PSECU does not warrant any advice provided by third parties. PSECU does not guarantee the accuracy or completeness of the information provided by third parties. PSECU recommends that you seek the advice of a qualified financial, tax, legal or other professional if you have questions.