Saving on Landscaping

Personal Finances

Landscaping can really drain your wallet! Between seeds, fertilizer and gardening supplies, costs can be high enough to take the pleasure out of lawn care. Here are 10 creative ways to save on landscaping, so you can have your well-tended lawn and your budget, too. 1. Plant perennials Go green with your garden by choosing plants that flower year after …

Spring Clean Your Finances

Personal Finances

Spring is a great time of year to clear your house of accumulated junk and make it sparkle. Why not do the same for your finances? Junk can accumulate there, too. In fact, some of your money matters may need a good wipe down this season. It is especially true this year, when many Americans are still recovering from the …

Preparing Financially For A New Baby

Personal Finances

Congratulations! You’ve just gotten the positive pregnancy test results, and you’re breathless with excitement — and nerves. Or maybe you’re a few months along, and the mild panic is growing right along with the baby bump. Regardless, a baby means big changes, and some of those changes bring many new expenses. How will you pay for it all? Here are …

Beware Coronavirus Vaccine Scams

Security and Scams

There is finally a light at the end of the socially distanced tunnel – the FDA has approved two coronavirus vaccines. Detailed plans to distribute from pharmaceutical companies Pfizer and Moderna are already underway, with additional vaccines expected to gain FDA approval in 2021. Unfortunately, whenever there’s big news, scammers aren’t far behind. Almost as soon as the news of …

Stay Safe With Contactless Banking

DCU Member News & Info

As our community continues to see increases in COVID-19 cases, our members’ and employees’ health and safety remain a top priority.  Therefore, to help each other during this challenging time, we want to remind you of our contactless banking options that make it easy to access and manage your account. Below are numerous Directions contactless banking services, organized alphabetically by …

How Much Business Debt Is Too Much?

Business Finances

Q: My business can use an infusion of cash, so I’m considering a business loan. I already have some outstanding debts, though. How do I strike an appropriate balance when borrowing for my business? A: Borrowing money is often a necessary part of running a business. It’s important to proceed with caution and understand business borrowing before taking on new …

What Do I Need to Know About Medicare?

Directions Financial Solutions

Q: My 65th birthday is approaching and I’m ready to apply for Medicare. What do I need to know before signing up? A: Medicare offers affordable health care coverage to older Americans.  However, the application process and the various options can be confusing. If you’re getting close to 65 or meet certain other requirements, it’s time to learn about the …

Beware of Debt-Collection Scams

Security and Scams

No matter what’s going in with the economy, debt-collection scams are always around.  Now, scammers are exploiting the financial downturn by tricking unsuspecting victims into paying for debts that don’t actually exist or using abusive tactics to collect legitimate debts. Don’t be the next victim of a debt-collection scam. Here’s all you need to know about these scams: How the …

All You Need to Know About Selling Your Home During These Uncertain Times

For the Home

Selling a home is a move people generally plan years in advance, and 2020 was no different. For many homeowners, the hot real estate market of spring and summer of 2020 was going to be the season they put their homes up for sale. And then came the coronavirus — and the world turned upside down. With people struggling to …

8 Ways to Spot a Counterfeit Bill

Security and Scams

The COVID-19 pandemic has brought with it a wave of scams, with no signs of slowing down. These scams are also producing a surge of counterfeit bills into circulation. Using cutting-edge technology, scammers create bills that look just like the real thing to the untrained eye. Unfortunately, once counterfeit bills are passed, their new owner can become liable for passing …