One-Minute Reads: Saving for the Holiday Season

A Holiday Club Savings Account can help take the stress out of the holiday season by giving you a simple way to save throughout the year. Instead of relying on credit cards or scrambling to cover expenses in December, you can set aside a little at a time and build your holiday budget before the celebrations begin.  Whether you’re shopping for gifts, planning festive gatherings, traveling to see loved ones, or checking off year-end expenses, those small deposits can add up faster than you think. By making saving a habit, you’ll head into the holidays with greater confidence and fewer financial surprises.  The best part? You don’t have to save large…

July 1, 2026Wallet Wins No Comments
One-Minute Reads: Saving for the Holiday Season

A Holiday Club Savings Account can help take the stress out of the holiday season by giving you a simple way to save throughout the year. Instead of relying on credit cards or scrambling to cover expenses in December, you can set aside a little at a time and build your holiday budget before the celebrations begin.  Whether you’re shopping for gifts, planning festive gatherings, traveling to see loved ones, or checking off year-end expenses, those small deposits can add up faster than you think. By making saving a habit, you’ll head into the holidays with greater confidence and fewer financial surprises.  The best part? You don’t have to save large…

Sharing the Perks of Membership with Family

For many members, credit union perks become part of everyday life. Lower loan rates, higher savings yields, and fewer fees are simply expected. Over time, those advantages can start to feel routine, especially if you’re not currently borrowing or growing your savings. However, those same benefits could make a significant difference for someone else who may not have access to them yet.  That’s one of the most powerful, and often overlooked, benefits of membership. The credit union isn’t just designed to support one individual. It’s built on the philosophy of “People Helping People,” which means your membership can open the door for those closest to you.  Whether it’s a family member, someone in your household, or a…

June 28, 2026We Are PEFCU No Comments
Sharing the Perks of Membership with Family

For many members, credit union perks become part of everyday life. Lower loan rates, higher savings yields, and fewer fees are simply expected. Over time, those advantages can start to feel routine, especially if you’re not currently borrowing or growing your savings. However, those same benefits could make a significant difference for someone else who may not have access to them yet.  That’s one of the most powerful, and often overlooked, benefits of membership. The credit union isn’t just designed to support one individual. It’s built on the philosophy of “People Helping People,” which means your membership can open the door for those closest to you.  Whether it’s a family member, someone in your household, or a…

The Most Dangerous Fraud Isn’t Hacking

It usually begins with something that feels normal. A phone call that appears to be from the credit union with a person on the other end who is calm, professional, and ready to help. They explain there’s been suspicious activity on your account and that a quick fix is needed to protect your money. Before long, you’re working through the steps together, trying to fix what feels like a real problem.  By the time the call ends, a transaction has been approved. Not due to security failures, but because the situation felt urgent and believable. That’s how many scams work today.   In this article, we’ll break down how fraud is shifting, common tactics being used right now, the…

June 21, 2026Security Center 1 Comment
The Most Dangerous Fraud Isn’t Hacking

It usually begins with something that feels normal. A phone call that appears to be from the credit union with a person on the other end who is calm, professional, and ready to help. They explain there’s been suspicious activity on your account and that a quick fix is needed to protect your money. Before long, you’re working through the steps together, trying to fix what feels like a real problem.  By the time the call ends, a transaction has been approved. Not due to security failures, but because the situation felt urgent and believable. That’s how many scams work today.   In this article, we’ll break down how fraud is shifting, common tactics being used right now, the…

One Money Skill Every Teen Should Master

When your kids were younger, they watched how you managed everyday life. They noticed how you solved problems, treated people, and reacted when things didn’t go according to plan. Now that they are teenagers, something begins to change. They’re no longer just observing. Now, they’re practicing those same behaviors themselves, including how to manage money.   Teens today are growing up in an era of instant gratification. Two-day delivery is the new norm, food deliveries arrive at the door in minutes, and, for older teens, credit cards narrow the gap between wanting and owning to mere seconds. In this kind of fast-paced environment, one skill becomes essential: the ability to wait.   Encouraging delayed gratification in a high-speed world may be the most valuable financial lesson you can teach your teenager before they step into adulthood.   Growing Up in a…

June 14, 2026Future Planning No Comments
One Money Skill Every Teen Should Master

When your kids were younger, they watched how you managed everyday life. They noticed how you solved problems, treated people, and reacted when things didn’t go according to plan. Now that they are teenagers, something begins to change. They’re no longer just observing. Now, they’re practicing those same behaviors themselves, including how to manage money.   Teens today are growing up in an era of instant gratification. Two-day delivery is the new norm, food deliveries arrive at the door in minutes, and, for older teens, credit cards narrow the gap between wanting and owning to mere seconds. In this kind of fast-paced environment, one skill becomes essential: the ability to wait.   Encouraging delayed gratification in a high-speed world may be the most valuable financial lesson you can teach your teenager before they step into adulthood.   Growing Up in a…

Gen X: Securing Your Future Without Guilt

For members in their late 40s, 50s, and early 60s, your financial life is probably beginning to feel much more complicated. You may be earning more than ever before, finally seeing the payoff from years of hard work. At the same time, your children are likely setting off for college or entering adulthood. And your parents may be reaching the point where they need more support as well.  This combination can stretch your finances in ways you didn’t expect. It also creates a difficult question: “How do you take care of the people you love without putting your own future at risk?”  In this article, we’ll walk through why this stage matters so much, how to think about your priorities, and practical ways…

June 7, 2026Future Planning No Comments
Gen X: Securing Your Future Without Guilt

For members in their late 40s, 50s, and early 60s, your financial life is probably beginning to feel much more complicated. You may be earning more than ever before, finally seeing the payoff from years of hard work. At the same time, your children are likely setting off for college or entering adulthood. And your parents may be reaching the point where they need more support as well.  This combination can stretch your finances in ways you didn’t expect. It also creates a difficult question: “How do you take care of the people you love without putting your own future at risk?”  In this article, we’ll walk through why this stage matters so much, how to think about your priorities, and practical ways…

One-Minute Reads: Hurricane Preparedness

Hurricane season is here, and preparation goes beyond stocking up on water and batteries. Taking a few financial steps now can help reduce stress later if a storm impacts your area.  Start by making sure you have access to your accounts through mobile and online banking. Save important passwords securely and confirm your contact information is up to date so you can receive account alerts and updates when needed.  It’s also a good idea to build a small emergency fund for unexpected expenses like gas, groceries, hotel stays, or temporary repairs. Even setting aside a little at a time can make a difference during hurricane season.  Finally,…

June 1, 2026One Minute Reads No Comments
One-Minute Reads: Hurricane Preparedness

Hurricane season is here, and preparation goes beyond stocking up on water and batteries. Taking a few financial steps now can help reduce stress later if a storm impacts your area.  Start by making sure you have access to your accounts through mobile and online banking. Save important passwords securely and confirm your contact information is up to date so you can receive account alerts and updates when needed.  It’s also a good idea to build a small emergency fund for unexpected expenses like gas, groceries, hotel stays, or temporary repairs. Even setting aside a little at a time can make a difference during hurricane season.  Finally,…

The Untold Truth Behind “Finfluencers”

If you spend time on social media, you’ve probably seen the rise of the “finfluencer.” These creators fill your feed with quick tips, flashy graphics, and personal stories about money. They offer advice that feels accessible, entertaining, and free. For many young adults, this kind of financial content feels far more relatable than sitting down with a professional advisor.  But here’s the challenge. Facts can get buried under bright editing and confident delivery. When a video goes viral, it’s often because it sparks excitement – not because it presents balanced or personalized guidance. And that leaves many people trusting advice that was never meant for their unique financial life.  In this…

May 26, 2026Wallet Wins No Comments
The Untold Truth Behind “Finfluencers”

If you spend time on social media, you’ve probably seen the rise of the “finfluencer.” These creators fill your feed with quick tips, flashy graphics, and personal stories about money. They offer advice that feels accessible, entertaining, and free. For many young adults, this kind of financial content feels far more relatable than sitting down with a professional advisor.  But here’s the challenge. Facts can get buried under bright editing and confident delivery. When a video goes viral, it’s often because it sparks excitement – not because it presents balanced or personalized guidance. And that leaves many people trusting advice that was never meant for their unique financial life.  In this…

Student Loans 101: Understanding the Basics

Enrolling in and attending college is a major life milestone. For many applicants, student loans play a key role in making higher education affordable and attainable. While borrowing funds can help you achieve your academic goals, it’s important to understand how student loans work so you can make informed decisions now and feel confident about making payments later.   In this article, we’ll help you understand the basics of different types of student loans, how to manage your loans while in school and after graduation, and how to balance student loan payments with the rest of your budget. With smart borrowing and careful planning, you can set yourself up for success through graduation and…

May 19, 2026Borrowing Basics, Wallet Wins No Comments
Student Loans 101: Understanding the Basics

Enrolling in and attending college is a major life milestone. For many applicants, student loans play a key role in making higher education affordable and attainable. While borrowing funds can help you achieve your academic goals, it’s important to understand how student loans work so you can make informed decisions now and feel confident about making payments later.   In this article, we’ll help you understand the basics of different types of student loans, how to manage your loans while in school and after graduation, and how to balance student loan payments with the rest of your budget. With smart borrowing and careful planning, you can set yourself up for success through graduation and…

10 Ways to Offset Rising Gas Prices

10 Ways to Offset Rising Gas Prices  Gas prices are climbing again. Global conflicts, supply disruptions, and the lingering effects of inflation are driving up fuel costs. And many households are feeling the financial impacts right away.   Unfortunately, fuel is not a luxury expense. It’s how you get to work. It’s how your kids get to school and practice. It’s your weekly grocery runs, doctor visits, and errands. When a gallon of gas suddenly jumps, it might not look too dramatic on the sign at the corner. But over the course of a month, that increase can quickly pressure your budget.  The goal is not to eliminate the expense. It’s to understand it, adjust for the extra cost, and stay in…

May 10, 2026Wallet Wins No Comments
10 Ways to Offset Rising Gas Prices

10 Ways to Offset Rising Gas Prices  Gas prices are climbing again. Global conflicts, supply disruptions, and the lingering effects of inflation are driving up fuel costs. And many households are feeling the financial impacts right away.   Unfortunately, fuel is not a luxury expense. It’s how you get to work. It’s how your kids get to school and practice. It’s your weekly grocery runs, doctor visits, and errands. When a gallon of gas suddenly jumps, it might not look too dramatic on the sign at the corner. But over the course of a month, that increase can quickly pressure your budget.  The goal is not to eliminate the expense. It’s to understand it, adjust for the extra cost, and stay in…

Tips to Keep Spring Home Projects Affordable

Tips to Keep Spring Home Projects Affordable  As spring approaches, many homeowners start eyeing repairs or upgrades that they put off during the winter months. The return of warmer weather and cool breezes tends to inspire a focus on home improvement projects. Whether it’s replacing outdated fixtures, tackling overdue maintenance, or planning a larger renovation, the credit union can help you tackle your spring project list with ease.   Before diving into the work on your to-do list, taking time to map out a plan and budget can ensure your entire process goes more smoothly. Choosing the right financing option to fund your projects helps you minimize borrowing costs while…

May 5, 2026Wallet Wins No Comments
Tips to Keep Spring Home Projects Affordable

Tips to Keep Spring Home Projects Affordable  As spring approaches, many homeowners start eyeing repairs or upgrades that they put off during the winter months. The return of warmer weather and cool breezes tends to inspire a focus on home improvement projects. Whether it’s replacing outdated fixtures, tackling overdue maintenance, or planning a larger renovation, the credit union can help you tackle your spring project list with ease.   Before diving into the work on your to-do list, taking time to map out a plan and budget can ensure your entire process goes more smoothly. Choosing the right financing option to fund your projects helps you minimize borrowing costs while…