Deck the Halls with a Holiday Loan

The holiday season is upon us, and one thing is for sure: We always forget how pricey these celebrations can be until they’re here. Between the gifts, decorations, parties, and travel, your budget will be put to the test. And with prices continuing to stay high, preparation is crucial.  By now, you’re likely starting to see offers for holiday loans. But what exactly are these financial tools? And how do they compare to other options, such as credit cards? You might be surprised to learn that next to paying in cash, holiday loans are one of the best ways to…

December 1, 2023Borrowing Basics, Wallet Wins No Comments
Deck the Halls with a Holiday Loan

The holiday season is upon us, and one thing is for sure: We always forget how pricey these celebrations can be until they’re here. Between the gifts, decorations, parties, and travel, your budget will be put to the test. And with prices continuing to stay high, preparation is crucial.  By now, you’re likely starting to see offers for holiday loans. But what exactly are these financial tools? And how do they compare to other options, such as credit cards? You might be surprised to learn that next to paying in cash, holiday loans are one of the best ways to…

December Toy Drive: Guardian ad Litem

Welcome back, loyal members! It’s me, Alyssa (your community connection), and I am back with an INCREDIBLE initiative to help jump-start your holiday spirit!  Throughout December, PEFCU will be partnered with local Guardian ad Litem (GAL) organizations to host a gift donation drive at each of our branches. This drive will bring awareness and hope this holiday season to children in foster care who have been abused, abandoned, and neglected. Over 37,000 children were part of the Florida GAL program last year alone. With your help, we can restore their hope and give them something to look forward to under…

November 22, 2023We Are PEFCU 1 Comment
December Toy Drive: Guardian ad Litem

Welcome back, loyal members! It’s me, Alyssa (your community connection), and I am back with an INCREDIBLE initiative to help jump-start your holiday spirit!  Throughout December, PEFCU will be partnered with local Guardian ad Litem (GAL) organizations to host a gift donation drive at each of our branches. This drive will bring awareness and hope this holiday season to children in foster care who have been abused, abandoned, and neglected. Over 37,000 children were part of the Florida GAL program last year alone. With your help, we can restore their hope and give them something to look forward to under…

5 Reasons to Use a Holiday Loan During High Inflation

Between the twinkling lights, cheerful music, delicious food, and endless laughs with family and friends, the holiday season is the merriest time of the year. But those ear-to-ear smiles don’t always come cheap. From travel and entertaining to gifts and decorations, the holidays can get pricey. Add in rising inflation and higher prices, and many are beginning to stress about the upcoming celebrations.   Before you pull out your credit card and start swiping, there’s another option to help pad your holiday budget. Often overlooked, a holiday loan is one of the best ways to cover higher costs. It comes packed…

November 8, 2023Borrowing Basics No Comments
5 Reasons to Use a Holiday Loan During High Inflation

Between the twinkling lights, cheerful music, delicious food, and endless laughs with family and friends, the holiday season is the merriest time of the year. But those ear-to-ear smiles don’t always come cheap. From travel and entertaining to gifts and decorations, the holidays can get pricey. Add in rising inflation and higher prices, and many are beginning to stress about the upcoming celebrations.   Before you pull out your credit card and start swiping, there’s another option to help pad your holiday budget. Often overlooked, a holiday loan is one of the best ways to cover higher costs. It comes packed…

Safeguarding Your Generosity: A Guide to Charitable Giving

Donating to worthy causes is a wonderful way to make the world a better place. Whether it’s helping with the aftermath of a natural disaster, assisting the sick, or another cause close to your heart, you want to ensure your contributions are going where you intend. Unfortunately, scammers are always on the lookout to profit off other’s misfortune.  Charity scams are especially disheartening because they manipulate the emotions of others for profit. Luckily, spotting these fraud attempts can become easy with proper knowledge and a bit of research. The following guide will shed light on ways to ensure your donations…

October 20, 2023Security Center No Comments
Safeguarding Your Generosity: A Guide to Charitable Giving

Donating to worthy causes is a wonderful way to make the world a better place. Whether it’s helping with the aftermath of a natural disaster, assisting the sick, or another cause close to your heart, you want to ensure your contributions are going where you intend. Unfortunately, scammers are always on the lookout to profit off other’s misfortune.  Charity scams are especially disheartening because they manipulate the emotions of others for profit. Luckily, spotting these fraud attempts can become easy with proper knowledge and a bit of research. The following guide will shed light on ways to ensure your donations…

How to Reduce Your Reliance on Credit Cards

In early August 2023, the Federal Reserve Bank of New York revealed that US consumer credit card debt surged to its highest level – topping $1 trillion.1 This upswing in credit card spending comes as individuals nationwide grapple with managing their finances amidst escalating prices.   While rising credit card balances are worrisome, it’s the potential long-term consequences of higher interest rates that are cause for alarm. In this article, we’ll reveal tactics you can implement to reclaim your budget and reduce your dependency on credit cards. But first, it’s essential to understand the cause of these record-setting balances.   The Foundation…

October 20, 2023Wallet Wins No Comments
How to Reduce Your Reliance on Credit Cards

In early August 2023, the Federal Reserve Bank of New York revealed that US consumer credit card debt surged to its highest level – topping $1 trillion.1 This upswing in credit card spending comes as individuals nationwide grapple with managing their finances amidst escalating prices.   While rising credit card balances are worrisome, it’s the potential long-term consequences of higher interest rates that are cause for alarm. In this article, we’ll reveal tactics you can implement to reclaim your budget and reduce your dependency on credit cards. But first, it’s essential to understand the cause of these record-setting balances.   The Foundation…

What is the “Say Yes” Scam?

It seems like every day a new scam emerges as fraudsters attempt to separate you from your hard-earned money. While many of these ploys are extravagant and convincing, that doesn’t stop fraudsters from returning to their old tricks as well. That’s what is happening now as the “Say Yes” scam regains popularity.   The sole purpose of this telephone scam is to get you to say the word “Yes.” It’s simple, seems harmless, and catches people off guard. The best way to protect yourself from this trick is to understand how it works.   How the “Say Yes” Scam Works  The “Say…

October 20, 2023Security Center 1 Comment
What is the “Say Yes” Scam?

It seems like every day a new scam emerges as fraudsters attempt to separate you from your hard-earned money. While many of these ploys are extravagant and convincing, that doesn’t stop fraudsters from returning to their old tricks as well. That’s what is happening now as the “Say Yes” scam regains popularity.   The sole purpose of this telephone scam is to get you to say the word “Yes.” It’s simple, seems harmless, and catches people off guard. The best way to protect yourself from this trick is to understand how it works.   How the “Say Yes” Scam Works  The “Say…

Witchy Ways to Avoid Debt Spells

Greetings, all you savvy sorcerers of savings! This Halloween, we’re delving into the mystical realm of financial wisdom. Just like a skilled witch wards off curses, you can shield yourself from debt spells with our magical tips. 🧙‍♀️✨  🌟 1. Potion of Responsible Credit Card Usage 🌟   Brew up a potion of knowledge and use your credit cards wisely. Keep balances low and pay them off on time to avoid falling into the grasp of high-interest debt goblins. Remember, credit cards are tools, not magic wands! 💳🔮  🌟 2. Enchanting Emergency Fund 🌟   Craft an enchanting emergency fund to protect…

September 18, 2023Borrowing Basics No Comments
Witchy Ways to Avoid Debt Spells

Greetings, all you savvy sorcerers of savings! This Halloween, we’re delving into the mystical realm of financial wisdom. Just like a skilled witch wards off curses, you can shield yourself from debt spells with our magical tips. 🧙‍♀️✨  🌟 1. Potion of Responsible Credit Card Usage 🌟   Brew up a potion of knowledge and use your credit cards wisely. Keep balances low and pay them off on time to avoid falling into the grasp of high-interest debt goblins. Remember, credit cards are tools, not magic wands! 💳🔮  🌟 2. Enchanting Emergency Fund 🌟   Craft an enchanting emergency fund to protect…

Rev Up Your Car-Buying Strategy: Navigating Rising Interest Rates

Navigating between rising interest rates and higher car prices can feel like driving on winding roads. While the current market conditions might not seem ideal for purchasing a new car, there are many ways to make your hard-earned dollars go further.   So, buckle up and enjoy a few savvy tips that will help save you money and steer you toward an excellent car-buying experience.   Do Your Research First  The last thing you want to do is walk mindlessly onto a dealer lot, especially as prices and financing costs are rising. Spending a few hours researching could save you hundreds, or…

September 14, 2023Wallet Wins No Comments
Rev Up Your Car-Buying Strategy: Navigating Rising Interest Rates

Navigating between rising interest rates and higher car prices can feel like driving on winding roads. While the current market conditions might not seem ideal for purchasing a new car, there are many ways to make your hard-earned dollars go further.   So, buckle up and enjoy a few savvy tips that will help save you money and steer you toward an excellent car-buying experience.   Do Your Research First  The last thing you want to do is walk mindlessly onto a dealer lot, especially as prices and financing costs are rising. Spending a few hours researching could save you hundreds, or…

10 Strategies to Maximize Your College Budget

Heading off to college is an exciting time. You’ll meet new people, explore new places, and experience new things. But it’s no secret that college isn’t cheap. That’s why it’s crucial that you have a budget that’s both realistic and flexible.   To help enhance your college experience, we’ve put together ten tips to help take your money further while limiting how much you need to borrow in student loans.  Creating an Ideal Budget  Before we jump right into the money-saving tips, you must start with a reasonable budget. College life is always on the go and forever changing, so you…

September 14, 2023Future Planning No Comments
10 Strategies to Maximize Your College Budget

Heading off to college is an exciting time. You’ll meet new people, explore new places, and experience new things. But it’s no secret that college isn’t cheap. That’s why it’s crucial that you have a budget that’s both realistic and flexible.   To help enhance your college experience, we’ve put together ten tips to help take your money further while limiting how much you need to borrow in student loans.  Creating an Ideal Budget  Before we jump right into the money-saving tips, you must start with a reasonable budget. College life is always on the go and forever changing, so you…

Celebrate International Credit Union Day

On Oct. 19, 2023, credit union members around the world will celebrate International Credit Union Day®, an annual event to commemorate the credit union movement’s impact and achievements. This year marks the 75th anniversary.  Credit unions are not-for-profit financial cooperatives that provide an effective and viable alternative to for-profit financial institutions for more than 393 million members in 118 countries worldwide. More than 87,000 credit unions exist globally, providing a plethora of financial services for their members, recognized as a force for positive economic and social change. PEFCU has provided financial services for Publix Associates and their family members since…

September 14, 2023We Are PEFCU 1 Comment
Celebrate International Credit Union Day

On Oct. 19, 2023, credit union members around the world will celebrate International Credit Union Day®, an annual event to commemorate the credit union movement’s impact and achievements. This year marks the 75th anniversary.  Credit unions are not-for-profit financial cooperatives that provide an effective and viable alternative to for-profit financial institutions for more than 393 million members in 118 countries worldwide. More than 87,000 credit unions exist globally, providing a plethora of financial services for their members, recognized as a force for positive economic and social change. PEFCU has provided financial services for Publix Associates and their family members since…