7 Ways To Save Money On Camping Costs

Personal Finances

If you’re planning a camping trip for the summer and would love to keep the trip as low-cost as possible – we can help! Read on for seven ways to save on camping costs. 1. Save on location Nightly rates for camping sites can cost a pretty penny during peak camping season. But why pay the fee when you can …

5 Things You Need To Know About Credit Life Insurance

Personal Finances

You probably have life insurance, but what about credit life insurance? It’s not for everyone, and the premiums are higher than regular insurance.  But, if you’re carrying a lot of debt it can prevent your family from having to pay off your debts after you pass away. Some lenders will require it, but depending on where you live, the insurance …

DCU Fraud Policy Overview: Debit/Credit Card Data Breaches

DCU Member News & Info, Security and Scams

It can be overwhelming with endless reports of data breaches, cyber-attacks, and fraud. Here at Directions, we want to help you understand these data breaches as much as possible! First and foremost, data breaches happen at the merchant/business level – not at your financial institution. Directions Credit Union has never experienced a data breach. How data breaches occur Businesses that …

Student Loan Scams

Security and Scams, Student Money Tips

College students, take note! If keeping up with your coursework, acing your exams and scrambling to hand in every term paper before the deadline wasn’t enough, you now have something else to worry about: Student loan scams are on the rise! Scammers know you hate owing tens of thousands of dollars, so they’re quick to offer you an easy — …

5 Tips For Your First Spring Break On A Budget

Student Money Tips

It’s your first spring break and you’re totally psyched! But that doesn’t mean you need to break the bank. Have yourself an awesome time without blowing your budget by following these five spring break tips. Check your school for discounts and help Lots of colleges offer on-campus travel agents who can help you plan your vacation right by snagging the …

Don’t Get Caught In A Crowdfunding Scam

Security and Scams

Crowdfunding platforms like GoFundMe, Kickstarter and IndieGoGo are packed with eager entrepreneurs and needy individuals.  Unfortunately, they’re also packed with scammers. In another example, a company called Triton claimed to have created a device enabling people to breathe underwater. Their IndieGoGo page pulled in $850,000 in just a few days—for a nonexistent invention. And, in yet another incident, a couple …

Tax Code Changes 2019

Personal Finances

The annual tax code changes can be confusing. No worries, though; we’ll walk you through everything you need to know for 2019. Though most changes won’t take effect until April 2019, some of them can impact the financial choices you’ll make this year. For that reason, here’s the details on the most important tax changes. 1.) Changes to the amounts …

Tax Scams 2019

Security and Scams

Each year, the IRS publishes the “Dirty Dozen,” a list of 12 scams that are rampant during that year’s tax season. This year, the IRS is cautioning taxpayers to be extra vigilant because of a 60% increase in email phishing scams over the past year. This is particularly disheartening since it comes on the heels of a steady decline in …

7 Reasons Not To Skip A Home Inspection

For the Home

A home inspection will set you back several hundred dollars, but it can easily save you thousands down the line. Before you officially become the new owner of the house, learn all you can about its general condition. Once you’re under contract, you’ll need to have your future home professionally inspected by a certified engineer or a licensed inspector. The …

The Ultimate Guide to Your First Apartment

For the Home

If you’re in the market for your first apartment, you may be feeling a little lost—and more than a little overwhelmed. How do you get started? What should you be looking for in an apartment? How do you check out a building? So many questions and we’ve got answers! Let us walk you through the apartment-hunting process from start to …