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Nov 20, 2025

HOW DIRECT DEPOSIT CAN SAVE YOU TIME AND IMPROVE YOUR FINANCIAL HEALTH

<p>Payday made easy. Set up direct deposit with Metro Credit Union and enjoy automatic access to your money the moment it hits your account.</p><h3>What is Direct Deposit?</h3><p>With direct deposit, your paycheck or government benefits, including Social Security, are automatically sent to your checking account or savings account. Since paper checks are no longer common, your funds are available immediately and safely.</p><p>With Metro Credit Union direct deposit, your funds are securely deposited and ready to use with our state-of-the-art online banking and mobile app tools.</p><p>More than 90% of American workers already use direct deposit and for good reason. It’s faster, safer, and helps you manage your money more efficiently. If you’re still depositing paper checks, here’s why now is the time to make the switch:</p><h3>Why Set Up Direct Deposit with Metro Credit Union?</h3><img alt="" src="/images/default-source/blog-article-images/directdepositblogbody.png?sfvrsn=75b77278_1" sf-size="100" /><h4>Faster Access to Your Money</h4><p style="margin-left:30px;">Direct Deposit often clears instantly, so there’s no waiting for checks to process or worry about lost mail or delayed delivery. Your money is typically available on payday, ready for bills, transfers, or purchases.</p><h4>Stronger Security and Reliability</h4><p style="margin-left:30px;">Paper checks can get lost, stolen, or damaged. Direct deposit sends your money directly to your Metro Credit Union account, reducing the risk of fraud. </p><h4>Save Time with Greater Convenience</h4><p style="margin-left:30px;">If you don’t have time to visit a branch or ITM every payday, direct deposit makes things easier. Your money is already waiting for you, and you get paid no matter where you are, making it easier to manage your finances on the go.</p><h4>Smarter Budgeting and Money Management</h4><p style="margin-left:30px;">A consistent, on-time paycheck makes budgeting simpler. Use Metro’s online and mobile banking tools to:</p><ul style="margin-left:30px;"><li>Track spending in real-time</li><li>Set up automatic bill payments with BillPay</li><li>Transfer between accounts or link external ones</li><li>Get alerts for account activity and due dates</li><li>View your FICO® Score, updated quarterly</li><li>Securely message our Contact Center</li></ul><h4>Build Your Savings Automatically</h4><p style="margin-left:30px;">If saving money is a challenge, direct deposit can help. Automate your savings by directing a portion of your paycheck into a separate savings or money market account. This “pay yourself first” strategy builds your emergency fund, travel fund, or other savings goals without extra effort. Click here for tips on creating a budget that fits your lifestyle.</p><h3>How Direct Deposit Supports Better Financial Habits</h3><p>Direct deposit does more than just save time, it helps you stay consistent with your money goals. When your paycheck is automatically distributed, you’re more likely to stick to a plan, avoid impulse spending, and build long-term savings.</p><p>Here’s how it encourages smarter habits:</p><h4>Predictable paydays</h4><p style="margin-left:30px;">Make it easier to plan bills, loan payments, and savings transfers.</p><h4>Automatic accountability</h4><p style="margin-left:30px;">Your savings grow without needing willpower.</p><h4>Improved financial awareness</h4><p style="margin-left:30px;">Real-time mobile notifications from Metro help you track spending and progress.</p><h3>Maximize the Benefits of Direct Deposit</h3><p>Here’s how to make the most of direct deposit with Metro Credit Union:</p><h4>Automate your savings</h4><p style="margin-left:30px;">Send a portion of your paycheck into a high-yield money market or certificate for faster growth.</p><h4>Simplify bill payments</h4><p style="margin-left:30px;">Schedule payments around your payday.</p><h4>Split deposits across accounts</h4><p style="margin-left:30px;">Support multiple financial goals, checking for daily use, savings for emergencies, and investments for the future </p><h3>How to Set Up Direct Deposit at Metro Credit Union</h3><p>Getting started is easy:</p><ol><li>Ask your employer or benefits administrator for a direct deposit form.</li><li>Provide Metro Credit Union’s routing number and your account number (we can help you find these).</li><li>Choose whether your deposit goes to checking, savings, or both.</li><li>That’s it! Your next payday could be faster, simpler, and more convenient.</li></ol><h3>Simplify Payday with Metro Credit Union</h3><p>When you choose Direct Deposit with Metro Credit Union, you’ll experience:</p><ul><li>Fast, secure access to your paycheck </li><li>Time-saving convenience</li><li>Reliable protection compared to paper checks</li><li>Automatic budgeting and savings tools </li><li>Full control of your finances through our online and mobile banking platforms</li></ul><h3>Security and Privacy: How Metro Protects Your Direct Deposits</h3><p>Every direct deposit to Metro Credit Union is protected by advanced encryption and fraud monitoring. Funds are transferred through secure, verified channels, never by email or text, and deposits are federally insured by the NCUA up to $250,000.</p><p>To stay even safer, monitor your accounts through Metro’s mobile app, enable transaction alerts, and never share your account details with anyone claiming to “verify” a deposit. Your security is built into every step of the process.</p><h3>Set Up Direct Deposit Today</h3><p>Contact your HR department or benefits administrator today and make payday the easiest day of the month.</p><div><br /></div>

Make payday simple and secure with direct deposit at Metro Credit Union. Enjoy faster access to your money, stronger security, and tools that help you save and budget automatically.

Read Article about HOW DIRECT DEPOSIT CAN SAVE YOU TIME AND IMPROVE YOUR FINANCIAL HEALTH

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Aug 12, 2025

BUDGETING 101: CREATING A MONTHLY PLAN THAT WORKS

<p>Managing your money doesn’t have to feel overwhelming or complicated. A monthly budget is a simple way to control your finances, reduce stress, and work towards your goals.</p><img src="/images/default-source/blog-article-images/budgeting-101-graphic-1.png?sfvrsn=d16f1b96_1" sf-size="100" alt="" /><p>Saving for a new car? Planning a wedding? Looking to stay on top of everyday expenses? A monthly budget tracks your income and outlines where it goes, so you can manage your money effectively and make steady progress. When you have a clear understanding of your finances, you can make smarter, more informed decisions, adapt to life’s changes, and build toward the kind of future you want.</p><p>Here are a few simple steps to help you create and maintain a monthly budget that fits your lifestyle and supports your goals.</p><h3>STEP 1: CALCULATE YOUR MONTHLY INCOME</h3><p>Start by writing down how much money you bring in each month. This includes your paycheck, side jobs, or any other consistent source of money. If your income varies, average the last few months to get a realistic number. Everything else in your budget builds from that amount, so take a few minutes to make sure it's accurate.</p><h3>STEP 2: TRACK YOUR EXPENSES</h3><p>It’s important to understand how you spend your money. Review your bank and credit card statements to find regular expenses like:</p><ul><li>Rent or mortgage</li><li>Utilities (gas, electricity, water, Internet)</li><li>Groceries</li><li>Transportation (gas, rideshares, public transit)</li><li>Insurance</li><li>Subscriptions (streaming, apps, memberships)</li><li>Dining out or entertainment</li><li>Loan payments</li><li>Childcare or pet expenses</li></ul><p>Also, include irregular expenses like birthdays, holiday gifts, or car maintenance. These often surprise people but a good budget helps you prepare for them ahead of time.</p><h3>STEP 3: WRITE DOWN YOUR FINANCIAL GOALS</h3><p>What are you trying to do with your money? Maybe it’s building a $10,000 emergency fund, paying off a credit card, or saving for a vacation.</p><p>Be specific, “Save $300 a month for my emergency fund” is much more effective than “Save more money.” Clear goals help you stay focused and make choices that align with them.</p><p>Download the Metro Credit Union mobile app to simplify money management. Explore features like automatic transfers that make saving convenient and consistent.</p><h3>STEP 4: CHOOSE YOUR BUDGETING METHOD  </h3><p>You have options when it comes to budgeting. Here are a few popular methods:</p><h4>50/30/20 Rule: </h4><p style="margin-left:30px;">Allocate 50% of your income for needs, 30% for wants and 20% for savings or debt payments.</p><h4>Zero-Based Budget: </h4><p style="margin-left:30px;">Assign every dollar a purpose so your income minus expenses equals zero.</p><h4>Envelope Method: </h4><p style="margin-left:30px;">Use cash envelopes for different categories to limit overspending.</p><h4>Sub-Savings Accounts Method: </h4><p style="margin-left:30px;">Create separate savings accounts for specific goals and set aside funds each month.</p><h4>The 80/20 Budget:</h4><p style="margin-left:30px;">Save 20% of your income first, then use the remaining 80% for everything else.</p><h3>STEP 5: MAKE YOUR MONEY WORK HARDER</h3><p>A strong budget always includes saving, even small amounts add up over time. Treat savings like a fixed expense. Consider opening a high-yield account like a Money Market or  Certificate for competitive rates and faster growth.</p><h3>STEP 6: USE TOOLS THAT MAKE IT EASIER </h3><p>No need to track your finances in the old-school way (unless that’s your style!). Metro members can access helpful tools right in online banking. Track spending, set savings goals and keep an eye on your progress in one place.</p><h3>STEP 7: MONITOR AND ADJUST YOUR BUDGET</h3><p>Check in weekly to review your spending and adjust as needed. Some months will look different than others, and that’s part of the process. Regular check-ins help you avoid surprises and stay on track. </p><h3>STEP 8: CELEBRATE YOUR WINS</h3><p>Any time you follow through on your plan, reach a goal, or just feel more on top of your money, take a moment to celebrate! Recognizing your progress helps you stay motivated and confident in your ability to reach even bigger goals.</p><p>Visit Save and Succeed, Metro’s free personal finance program. It can help you understand your habits, set goals, and build a plan you can stick with.</p><p><img src="/images/default-source/blog-article-images/budgeting-101-graphic-2.png?sfvrsn=d64448b8_1" sf-size="4114117" alt="" /></p><h3>MAKE YOUR BUDGET WORK FOR YOU</h3><p>Creating a monthly budget gives you a clear view of your money helps you make smarter money choices and stay on top of your finances. Start with your income and expenses, then build a plan that works for your lifestyle. It doesn’t have to be perfect or restrictive, just intentional.</p><p>Use Metro’s state-of-the-art online banking and mobile app tools to make it easier and keep adjusting until your budget works for your financial situation.</p><div><br /></div>

Learn how to create a budget that works for you, with practical tips, flexible methods, and tools to help you save and succeed.

Read Article about BUDGETING 101: CREATING A MONTHLY PLAN THAT WORKS

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Aug 5, 2025

Security Tips for Online Banking While Traveling

<img src="/images/default-source/blog-article-images/securitytipstraveling-blog-1.png?sfvrsn=f252750a_1" sf-size="100" alt="" /><p>Travel should be an enjoyable and stress-free experience. However, when it comes to your finances, staying aware helps you avoid issues before they arise. Although online banking provides the ease of managing your money from anywhere, it’s important to take a few extra precautions to help protect your accounts and keep your information safe online. </p><p>Here’s how to bank safely and protect your personal and financial information while traveling:</p><h3>UPDATE YOUR DEVICES</h3><p>Before you head out, update all your devices with the latest software, security patches, and antivirus tools. This protects you from hackers who target outdated systems. Back up your data, encrypt your hard drive, and enable a strong password or biometric lock on each device. </p><p>Turn on Multi-Factor Authentication (MFA) in <a href="/services/online-banking">online banking</a> to add an extra step like a one-time code after your password.  If your device is ever lost or stolen, these simple steps help prevent unauthorized access to your account.</p><h3>USE SECURE WIFI CONNECTIONS</h3><p>Avoid public Wi-Fi networks at airports, cafes, and hotels when accessing your bank account. These networks are often unsecured and easy for hackers to exploit. Instead, use your mobile data or a personal hotspot whenever possible.</p><p>If public Wi-Fi is your only option, avoid logging into sensitive accounts and use a trusted VPN to encrypt your connection. Also, turn off auto-connect features to prevent your device from joining unknown networks without your permission.</p><h3>USE TRUSTED WEBSITES AND APPS</h3><p>Access your account through Metro’s <a href="/home">website</a> or <a href="https://my.metrofcu.org/Registration" data-sf-ec-immutable="">mobile app.</a> Look for “https” in the URL and a padlock icon to confirm the site is secure. Hover over links before clicking to make sure they lead to the correct site. Phishing attempts often use subtle changes in the sender’s address or website URL to trick you.</p><p>Avoid clicking on links or downloading attachments from emails, texts or social media messages that claim to be from Metro especially if they ask for personal or financial information.</p><h3>TURN ON ACCOUNT ALERTS</h3><p>Set up transaction alerts through <a href="/services/online-banking">online banking</a>. You’ll receive real-time updates about purchases, transfers or sign-ins, helping you spot and respond to suspicious activity quickly.<strong></strong></p><p>Alerts can help stop fraud before it escalates, and they’re especially helpful when in a different time zone than home.</p><h3>WATCH WHERE YOU CHARGE YOUR DEVICES</h3><p>Be cautious when using public USB charging stations. Scammers can install malicious software to steal your data, a tactic known as juice jacking. Carry your own charger and USB cord and use a wall outlet instead of a public port.</p><img src="/images/default-source/blog-article-images/securitytipstraveling-blog-2.png?sfvrsn=d5846be9_1" sf-size="100" alt="" /><h3>BE CAREFUL WITH ATMS AND CARD READERS</h3><p>Use ATMs and payment terminals that are in secure, well-lit areas, ideally inside banks or trusted businesses. Fraudsters sometimes install skimmers or hidden cameras to capture card info and PINs.</p><p>Always cover the keypad when entering your PIN and inspect the machine for any loose or suspicious parts before using it.</p><h3>CARRY MULTIPLE PAYMENT OPTIONS</h3><p>Keep a mix of cash, debit cards, credit cards, and mobile payment options available. Theft and pickpocketing can happen anywhere, so having backups helps ensure you’re never stuck.</p><p>Metro accounts work with <a href="/services/mobile-wallet">Apple Pay</a>, <a href="/services/mobile-wallet">Google Pay</a> and <a href="https://www.samsung.com/us/samsung-pay/" data-sf-ec-immutable="">Samsung Pay</a>, making it easy to pay with your phone while keeping your card info secure. <a href="/services/mobile-wallet">Learn more</a> how to add convenience and keep your payment information protected.</p><h3>MONITOR YOUR ACCOUNTS DURING AND AFTER YOUR TRIP</h3><p>Even while you're on vacation, it’s important to check your bank account every few days. Review recent activity and be sure there’s nothing unusual. If you notice anything suspicious, report it right away through Metro’s online banking platform. For more information on staying safe, visit our <a href="/services/fraud-protection">Fraud Protection</a> page to stay updated on current scams and get tips to protect your identity.<strong></strong></p><p>Once you’re home, review your account again. Confirm any pending transactions and ensure everything is accurate. It’s also a good idea to update your passwords and security questions and run malware scan on your devices to ensure nothing is compromised.</p><hr /><h3>DOWNLOAD METRO CREDIT UNION’s MOBILE APP</h3><p>Travel is about relaxing and making memories, not worrying about your finances. Enjoy the advantages of online banking and bank securely wherever you go with Metro’s mobile app. You can check balances, transfer funds or lock your debit card if needed.<strong></strong></p><p>Register for online banking and download the Metro Mobile App from the Apple App Store or Google Play Store. Already registered? Sign in with your username and password to access your account and manage your money on the go.</p><h3><a href="https://apps.apple.com/us/app/metro-credit-union-omaha/id931656579" target="_blank" data-sf-ec-immutable=""><img src="data:image/png;base64,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" 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" 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Travel should be a stress-free experience. However, when it comes to your finances, staying aware helps you avoid issues before they arise. Here’s how to bank safely and protect your personal and financial information while traveling.

Read Article about Security Tips for Online Banking While Traveling

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Jun 23, 2025

EARLY AUTO LOAN PAYOFF: PROS, CONS, AND STRATEGIES

<p>If you have extra money in your budget, you might be wondering if it’s a good idea to pay off your auto loan early. While doing so can reduce the amount of interest you pay and free up room in your monthly budget, it’s important to carefully weigh the potential benefits and downsides before deciding.</p><p>If you’re considering it, here are the pros, cons, and smart strategies to help you decide whether an early payoff aligns with your financial goals.</p><img alt="" src="/images/default-source/news-images/6-2025-early-auto-payoff-blog-graphic.png?sfvrsn=3d50836f_1" sf-size="100" /><h3>THE PROS: WHY EARLY PAYOFF MIGHT BE A GOOD CHOICE</h3><h4>Save on interest:</h4><p style="margin-left:30px;">The longer you take to pay off your car, the more you’ll pay in interest. Paying it off early can reduce the total cost of the loan, especially if you got a higher interest rate when you bought the car.</p><h4>Free up your monthly budget:</h4><p style="margin-left:30px;">Once the loan is paid off, so is that monthly car payment. You can redirect that extra money toward other financial goals, like building an emergency fund or paying down other debts.</p><h4>Gain full ownership sooner:</h4><p style="margin-left:30px;">Until your auto loan is fully paid off, the lender technically owns the vehicle and holds the title. By paying off your loan early, you gain full ownership sooner and receive the title in your name.</p><h4>Avoid owing more than your car is worth: </h4><p style="margin-left:30px;">Another important factor to consider is the risk of becoming upside down on your car loan—owing more than the vehicle is worth. This happens when a car depreciates faster than the loan balance decreases, often due to long loan terms, low down payments, or inflated prices. For example, if your car is worth $17,000 but you owe $20,000, you're upside down. Paying off your loan early helps build equity faster and reduces this risk.</p><h3>THE CONS: WHY EARLY PAYOFF ISN’T ALWAYS THE BEST OPTION</h3><h4>Prepayment penalties:</h4><p style="margin-left:30px;">Some lenders may charge a fee if you pay off a loan early. Check your loan terms and conditions. If there's a prepayment penalty it could cancel out the savings on interest. <strong>At Metro, we don’t charge prepayment penalties, so you can pay off your loan whenever you're ready, without worrying about additional fees.</strong></p><h4>Temporarily lower your credit score:</h4><p style="margin-left:30px;">Paying off your auto loan early can slightly lower your credit score, but the impact is usually minor and temporary. This happens because it ends a positive payment history and reduces your credit mix. Additionally, paying off early can limit the full credit building potential of the loan, as it will only report for the months the loan is active, rather than the full term. However, if you manage other credit accounts well and keep your overall debt low, your score should recover and may even improve over time.</p><p style="margin-left:30px;">To help you stay informed about your credit, we update your FICO® Score quarterly in <a target="_blank" href="/services/online-banking">online banking</a> under the Tools section. If you want to understand how credit scores work and learn strategies to improve yours, check out our <a target="_blank" href="/resources/blog/metro-blog/2024/09/03/credit-scores-whats-good-average-and-bad">recent blog</a>.</p><h3>STRATEGIES FOR PAYING OFF YOUR AUTO LOAN EARLY</h3><p>If you’ve weighed the pros and cons of paying off a car loan early and decided it’s the best choice for you, here are some strategies to consider: </p><h4>Round up your payments: </h4><p style="margin-left:30px;">If your payment is $285 a month, try rounding it up to $300 or $315. That small extra amount adds up over time.</p><h4>Make biweekly payments:</h4><p style="margin-left:30px;">Instead of paying monthly, split your monthly auto payment in half and pay that amount every two weeks. Since there are 52 weeks in a year, this method results in 26 half-payments which equals 13 full payments instead of 12. This one extra payment each year can reduce the total interest paid and shorten your loan term, often by several years. </p><h4>Make a lump sum payment:</h4><p style="margin-left:30px;">If you can afford it, paying off your auto loan in full or making a substantial partial payment reduces your interest over time. Always confirm the accurate payoff amount with your lender, including the balance, interest, and fees. When making a partial payment, specify that the extra amount goes toward the principal.</p><h4>Refinance your current loan:</h4><p style="margin-left:30px;"><a target="_blank" href="/loans/auto-loans">Refinancing</a> your auto loan can be a smart strategy if your credit has improved, or interest rates have dropped since you took out your original loan. You might also consider refinancing to a shorter loan term, which can help you become debt-free sooner and pay less overall. Just be sure to review any fees or terms associated with refinancing to ensure the total cost still benefits you.</p><h3>IS PAYING OFF YOUR AUTO LOAN EARLY THE BEST OPTION FOR YOU?</h3><p>Paying off a car loan early is appealing for many reasons, but it’s not always the best financial move for everyone. Consider your overall financial goals, loan terms, and weigh the pros and cons. Think about how else you might use that money, and determine which payoff option works best for you. <a target="_blank" href="/about-us/contact-us">Contact us</a> today or visit your nearest branch, and we’ll help you explore your options.</p><div><br /></div>

Paying off your auto loan early can reduce the amount of interest you pay and free up room in your budget. This blog weighs the pros and cons of doing so and provides strategies to help you decide whether an early payoff aligns with your financial goals.

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Jun 2, 2025

HELOC Requirements: Are You Eligible for a Home Equity Line of Credit?

<p>A big benefit of homeownership is the ability to build equity (the difference between your home’s value and the balance you owe on your mortgage). As you pay down your mortgage or the value of your home increases, that equity grows. Once you’ve built enough, you may be able to borrow against it through a home equity loan or <a target="_blank" href="/loans/heloc">home equity line of credit (HELOC)</a>. </p><p>While the qualifications for both are similar, the key difference is how the funds are accessed. A home equity loan gives you a one-time lump sum, typically with a fixed repayment schedule. A HELOC, on the other hand, works more like a credit card with a revolving line of credit you can draw from as needed. We offer <a target="_blank" href="/resources/blog/metro-blog/2025/03/10/fixed-or-variable-rate-heloc--which-one-suits-your-needs">both fixed-rate and variable-rate HELOCs</a>, giving you the flexibility to choose what fits your financial goals.</p><p>Here’s what you need to know about qualifying for a HELOC in 2025.</p><img src="/images/default-source/blog-article-images/heloc-qualifications-post-image.png?sfvrsn=2f2a9ded_1" sf-size="100" alt="" /><h3>What is a Home Equity Loan?</h3><p>A home equity loan allows you to borrow money against the equity you’ve built — the difference between your home’s current value and what you still owe on your mortgage and any other liens.</p><p>For example, if your home is worth $250,000 and you owe $150,000, you might have up to $100,000 in equity. You can use that equity to borrow money for things like home renovations, a dream wedding, debt consolidation or other big expenses, typically with a lower interest rate than credit cards or personal loans.</p><h3>What is the Difference Between a Home Equity Loan and a HELOC?</h3><h4>Home Equity Loan</h4><p style="margin-left:30px;">Sometimes referred to as a second mortgage, this type of loan gives you the money all at once. It typically comes with a fixed interest rate and a structured repayment plan at regular intervals over a set period. </p><h4>HELOC</h4><p style="margin-left:30px;">A home equity line of credit allows you to borrow as needed, up to a set limit. You can tap into the line multiple times during the draw period, only paying interest on what you use.</p><h3>FIXED VS. VARIABLE RATE HELOC: WHAT IS THE DIFFERENCE?</h3><h4>What is a Fixed Rate HELOC?</h4><p style="margin-left:30px;">With this option, you lock in a fixed interest rate for the duration of your credit line. Even though your payments may vary based on how much you borrow, the interest rate stays the same, offering you predictability and stability. This means you can borrow funds as needed at the same fixed rate throughout the draw period.</p><h4>What is a Variable Rate HELOC?</h4><p style="margin-left:30px;">A variable rate HELOC doesn’t lock in your rate. Instead, it fluctuates with the market conditions. Metro’s variable rate HELOC has a 12-month introductory rate, after which the rate becomes variable. This option may be ideal if you expect to pay off the balance quickly or are comfortable with rate changes.</p><h3>REQUIREMENTS FOR A HOME EQUITY LINE OF CREDIT (HELOC)</h3><h4>Enough Equity in Your Home</h4><p style="margin-left:30px;">The more equity you have, the more you may be eligible to borrow. HELOC loans are available up to 90% of the appraised value.</p><h4>Good Credit Score</h4><p style="margin-left:30px;">A good credit score shows that you’ve been responsible with credit in the past. Typically, a score of mid 600s is the minimum, but the better your score, the lower interest rates and better terms.</p><p style="margin-left:30px;">We share updated FICO® Scores with members quarterly via online banking under the tools section. Checking your FICO® Score regularly is a smart way to stay on top of your credit. It helps you identify any changes and make better financial decisions to improve your score if needed. If you are not sure what a good credit score is, <a href="/resources/blog/metro-blog/2024/09/03/credit-scores-whats-good-average-and-bad" target="_blank">check out our blog post</a> to learn what’s considered good, average, or bad.</p><h4>Proof of Income</h4><p>You’ll need to show that you can afford to repay the loan. Lenders will ask for your income, job history, and may want to see recent pay stubs, tax returns, or other documentation to prove that you have consistent income.</p><h4>Low Debt-to-Income (DTI) Ratio</h4><p style="margin-left:30px;">Lenders will also consider your debt-to-income (DTI) ratio. This measures how much of your monthly income goes toward debt payments. To calculate your DTI ratio, add up the monthly payments on the loans and expenses you have, then divide them by your monthly income before taxes.</p><p style="margin-left:30px;">A lower DTI ratio shows lenders that you’re not overextended with your debt. While 36% is considered ideal, anything under 43% is generally viewed as good. In some cases, you may even qualify with a higher DTI, depending on other factors.</p><h4>Proof of homeowners insurance</h4><p style="margin-left:30px;">To qualify for a home equity loan, you must provide proof of your current homeowners insurance policy. Homeowners insurance protects you against an unexpected financial loss and it also protects your lender’s investment in case of a disaster. </p><h4>Home appraisal     </h4><p style="margin-left:30px;">Home equity loans usually require an appraisal to determine the current market value of your home and how much equity you have to borrow from.</p><hr /><h3>WHY CHOOSE METRO CREDIT UNION FOR YOUR HOME EQUITY LINE OF CREDIT?</h3><p>Whether you're interested in a lump sum loan or a flexible way to access funds for a home renovation, debt consolidation, or unexpected expenses, a HELOC from Metro Credit Union offers the support and flexibility you need.</p><p>As one of Omaha’s trusted HELOC lenders, we offer:</p><ul><li>Fixed and variable rate options</li><li>Competitive interest rates</li><li>Options for up to 90% of the equity of your home</li><li>Fast approvals</li><li>Personalized member service</li></ul><p>Once you’ve reviewed the requirements and believe you may be eligible, gather your documents and apply online. Our mortgage team will walk you through your options, review your home’s value, and help you determine what makes sense for your situation.</p><h4>Start making the most of your home’s equity today. <a href="/loans/heloc" target="_blank">Contact Metro Credit Union today!</a></h4><div><br /></div><p> </p>

Utilizing the equity in your home is a huge benefit of ownership, but how do you know if you're eligible? Let's delve into the qualifications needed to get approved for a home equity line of credit.

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May 19, 2025

HOW ARTIFICIAL INTELLIGENCE IS USED FOR BANK FRAUD

<p>As AI technology advances, so do the methods fraudsters use to exploit it. Artificial Intelligence (AI) refers to a machine's ability to imitate human intelligence, using advanced algorithms and machine learning to mimic human thinking and decision-making. Scammers are leveraging AI to manipulate data, bypass security measures, and target financial institutions and their customers. </p><p>Below are some of the most concerning ways AI is used in bank fraud, along with tips to protect yourself.</p><img src="/images/default-source/blog-article-images/ai-scam-blog.png?sfvrsn=c78e5ce_1" sf-size="100" alt="" /><h3>Creating Fake Identities</h3><p>AI can combine real and fake data to build convincing identities, pulling information from online sources to pass identity verification systems. These fake profiles are often used to open fraudulent accounts or take over existing ones.</p><h4 style="margin-left:30px;">Protection Tip:</h4><p style="margin-left:30px;">Double-check suspicious accounts or transactions. Use multi-factor authentication (MFA) for your Metro accounts to increase security.</p><h3>Copying Important Documents</h3><p>AI can generate realistic forgeries of passports, driver’s licenses, and other identification documents, enabling fraudsters to skip identity verification processes and access accounts.</p><h4 style="margin-left:30px;">Protection Tip:</h4><p style="margin-left:30px;">Always keep your personal documents secure and be cautious when sharing them online. If you suspect your information has been compromised, immediately <a href="/about-us/contact-us" target="_blank">contact Metro</a> to lock accounts and report the issue.</p><h3>Phishing Scams</h3><p>AI can create convincing phishing emails and messages, automating and scaling attacks to make them more targeted. Fraudsters mimic a financial institution’s style to create emails or texts that appear authentic, often containing links that steal personal information.</p><h4 style="margin-left:30px;">Protection Tip:</h4><p style="margin-left:30px;">Be cautious with unsolicited emails or texts. Verify requests for personal or financial details, check the sender’s address, and avoid clicking links. Instead, access Metro’s website or <a href="/services/online-banking" target="_blank">mobile app</a> directly.</p><p style="margin-left:30px;"><strong>Metro Credit Union will never ask you to click a link via text!</strong></p><h3>Voice Cloning</h3><p>AI can clone voices using a few seconds of audio, enabling fraudsters to impersonate family members or trusted sources. Scammers may claim to be loved ones in distress, urging you to transfer money immediately.</p><h4 style="margin-left:30px;">Protection Tip:</h4><p style="margin-left:30px;">Never send money based on a phone call alone. Verify the caller’s identity by contacting them directly or consulting other family members.</p><p style="margin-left:30px;"><strong>Metro Credit Union will never call or text you to ask for your sensitive information or have you click a link in a text message.</strong></p><h3>Deepfake Videos</h3><p>Deepfake videos, created with AI, can impersonate family, friends or trusted sources to manipulate you into revealing personal information or making financial transactions, making scams appear legitimate.</p><h4 style="margin-left:30px;">Protection Tip:</h4><p style="margin-left:30px;">Be skeptical of video requests for money or sensitive information. Verify the source and seek a second opinion if something seems unusual.</p><h3>Fraud Detection Bypasses</h3><p>Advanced AI systems can analyze security processes to make fraudulent transactions appear legitimate, bypassing fraud detection measures.</p><h4 style="margin-left:30px;">Protection Tip:</h4><p style="margin-left:30px;">Regularly monitor account statements for unusual transactions. Set up fraud alerts on <a href="/services/online-banking" target="_blank">online banking</a> to receive instant notifications of suspicious activity.</p><h3>Fake Websites and Apps</h3><p>Scammers use AI to create fake websites and mobile apps that mimic financial institution interfaces, tricking customers into sharing sensitive information.</p><h4 style="margin-left:30px;">Protection Tip:</h4><p style="margin-left:30px;">Check URLs for “https” and avoid downloading apps from untrusted sources. Visit our website for more information about our <a href="/services/online-banking" target="_blank">mobile app</a>.</p><hr /><h3>HOW TO REPORT FRAUD</h3><p>If you believe you’ve been a victim of fraud or have unrecognized transactions on your Metro Credit Union account, contact us immediately:</p><p style="margin-left:30px;"><strong>By Phone: </strong>402.551.3052</p><p style="margin-left:30px;"><strong>In Person:</strong> Visit one of our branches</p><p style="margin-left:30px;"><strong>Online: </strong>Use the secure Message Center in the Metro Credit Union app or website</p><p>Visit our <a href="/services/fraud-protection" target="_blank">fraud protection page</a> regularly for current scams facing consumers, and insights on how to protect your identity, personal information, your loved ones, and your money.</p><div><br /></div>

As AI technology advances, so do the methods fraudsters use to exploit it. Here are some of the most concerning ways AI is used in banking fraud, along with tips to protect yourself.

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May 6, 2025

Tips for First-Time Homebuyers

<p>Are you thinking about buying a home in the Greater Omaha area? This will be one of the biggest financial decisions you’ll ever make, so it’s important to be well-prepared, especially if you’re a first-time buyer. </p><p>Here are some tips and advice to help you easily navigate the process.</p><img src="/images/default-source/blog-article-images/tipsforfirsttimehomebuyersblog.png?sfvrsn=103b688_1" sf-size="100" alt="" /><h3>Make Sure You're Ready for Homeownership</h3><p>To start off on the right foot when buying a home, it's important to evaluate your finances. Consider your income, spending habits, savings, and budget to determine how much you can comfortably afford on a mortgage.</p><p>Many first-time home buyers know that owning a home is a significant, long-term expense, but they might not think about the potential for unexpected expenses in addition to their monthly mortgage payment. Here are some questions to ask yourself:</p><ul><li>Do I have a stable income?</li><li>Am I prepared to handle home repairs? As a homeowner, you will be responsible for fixing things like the roof or air conditioning if they break. It's a good idea to save about 1% to 3% of your home's value for home maintenance and regular upkeep.</li><li>Am I ready to live in this home and neighborhood long enough (ideally 5 years or longer) to build some equity in my house?</li><li>Have I determined the maximum amount I can afford to spend on housing? <a href="/resources/financial-calculators/mortgage-affordability-calculator" target="_blank">Knowing your mortgage costs</a> will help you plan your budget.</li></ul><h3>Evaluate Your Financial Goals</h3><p>Think about both short-term and long-term financial goals in addition to homeownership. Are you saving for education, paying off debt, planning for retirement, or starting a business? Knowing your full financial picture helps you make better decisions that match your goals.<br /></p><h3>Start Saving Early</h3><p>The more time you have to save, the better. A larger down payment lowers interest costs, reduces monthly payments, and may help you get a better rate. You may also need to pay extra each month for private mortgage insurance (PMI) if your down payment is less than 20%.</p><p>To avoid PMI and keep your payments lower, try to save at least 20% of the home's purchase price. Additionally, plan for closing costs, which typically range from 2% to 6% of your loan amount. Closing costs include appraisals, title insurance, and lender fees. Your lender can provide an estimate upfront.</p><h3>Check Your Credit Score</h3><p>Your credit score heavily influences mortgage approval and interest rates. Regularly checking your FICO® Score will help you make informed decisions and take steps to improve your credit if necessary. Each quarter, Metro Credit Union provides our members with their updated FICO® Score, available in <a href="/services/online-banking" target="_blank">online banking</a> under the tools section.</p><h4 style="margin-left:30px;">Accessing Your Free Annual Credit Report</h4><p style="margin-left:30px;">Under federal law, you can obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year. Monitoring your credit report annually ensures the accuracy of your credit history. Here’s how you can obtain your free annual credit report:</p><ul style="margin-left:30px;"><li><strong>By Phone:</strong> Call toll-free: 1.877.322.8228.</li><li><strong>Online:</strong> Visit <a href="http://www.annualcreditreport.com" target="_blank" data-sf-ec-immutable="">www.annualcreditreport.com</a> to request your credit report online.</li><li><strong>By Mail:</strong> Obtain the Annual Credit Report Request Form from the <a href="https://www.annualcreditreport.com/manualRequestForm.action" target="_blank" data-sf-ec-immutable="">Federal Trade Commission's website</a>. Fill out the form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.</li></ul><h3>Be Flexible</h3><p>Finding your dream home and buying the right home may not be the same. Staying flexible can help you become a homeowner. Explore different locations, home types, sizes, and fixer-uppers. Expanding your options may lead to a more affordable home that still fits your needs. A buyer’s real estate agent can also help you find the right home, negotiate for you, and make sure you don’t overpay.</p><h3>Understand Your Loan Options</h3><p>Metro has a variety of home loan options to meet your preferences:</p><ul><li><strong>Conventional Loan:</strong> Requires a higher credit score and down payment but offers competitive interest rates.</li><li><strong>FHA Loan:</strong> Insured by the Federal Housing Administration, often with lower credit score requirements and smaller down payments.</li><li><strong>VA Loan: </strong>Available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves, offering excellent terms, which could include no money down, though closing costs still apply.</li></ul><h3>Mortgage Pre-Approval</h3><p>Getting pre-approved for a mortgage gives you an advantage in a competitive market. The lender reviews your finances and provides a letter stating how much you can borrow. This shows sellers you're a serious buyer and strengthens your credibility.</p><h3>Be Prepared for the Closing Costs</h3><p>Once you’ve found your dream home, the closing process begins. This involves finalizing the mortgage, signing paperwork, and transferring ownership. Work with your lender and real estate agent to keep the closing process smooth.</p><h3>Your Trusted Mortgage Lender: Get Started Today</h3><p>Metro Credit Union is here to guide you through the homebuying process with personalized service and expert advice. Our friendly team will help you find the right mortgage for your dream home. </p><p>We proudly serve Omaha, Bellevue, Papillion, and surrounding Nebraska communities, supporting you from pre-approval to closing. <a href="/loans/mortgage-loans" target="_blank">Contact us</a> today to take the next step with a trusted local partner.</p>

Buying your first home is a big decision. This blog is your comprehensive guide to break down the mortgage process into smaller, more manageable steps.

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Apr 15, 2025

FINANCIAL TIPS FOR NEW COLLEGE GRADUATES

<img src="/images/default-source/blog-article-images/tipsforcollegegrads-blog.png?sfvrsn=aae228c5_1" sf-size="100" alt="" /><p>Graduating from college is an exciting milestone that also comes with new financial responsibilities. After living on a college budget, receiving your first real paycheck from a post-graduate job may feel like having more money than you know how to manage. Developing smart money habits now can set you up for long-term success. </p><p>Here are 10 tips for managing your finances after graduation.</p><h3>1. Open the Right Bank Accounts </h3><p>Start with a checking and savings account from Metro Credit Union to manage your money effectively.</p><h4><a href="/accounts/checking-accounts" target="_blank">Checking Accounts</a></h4><p style="margin-left:30px;">Choose our easy, no cost checking account to get started, or opt for one with all the bells and whistles if you’re interested in earning monthly interest or enjoying perks like free BillPay and cashier’s checks. Either way, every account at Metro allows you to manage your finances on the go with <a href="/services/online-banking" target="_blank">online banking</a> and our mobile app.</p><h4><a href="/accounts/savings-accounts" target="_blank">Savings Accounts</a></h4><p style="margin-left:30px;">With just a $5 deposit, you become a Metro member, gaining access to all our products and services, including a variety of savings accounts federally insured by the NCUA.</p><p>When choosing a bank account, compare fees, ATM access, mobile features, and whether the bank offers support for young adults. Remember: even small fees can add up over time, so read account terms closely.</p><h3>2. Create a Realistic Budget</h3><p>Budgeting builds financial stability. To make budgeting easier, use <a href="https://save-and-succeed.metrofcu.org/budget" target="_blank" data-sf-ec-immutable="">Save & Succeed’s budgeting tool</a> to list your income and expenses like rent, groceries, transportation and bills. The tool will show you what you have left and allow you to plan for specific savings goals, like a downpayment on a car or an emergency fund.</p><p>A clear budget helps you meet financial obligations, achieve your goals and avoid overspending.</p><h3>3. Automate Your Savings</h3><p>Set up direct deposit to automatically send a portion of your paycheck into your savings account. Using direct deposit helps you save before you even see the money. You can create additional savings accounts for different needs, such as emergency funds, travel plans, or larger purchases.</p><p>This simple step helps you save effortlessly and build financial security over time.</p><h3>4. Track Your Expenses</h3><p>Keep tabs on every expense, no matter how small. Knowing where your money goes helps you stay on track and shows where you can cut back to save. Check your spending weekly and monthly to spot trends, like unexpected costs from dining out or subscriptions.</p><p><a href="/services/online-banking" target="_blank">Download</a> the Metro Credit Union mobile app to access digital banking tools that make tracking expenses and managing money simple and convenient.</p><h3>5. Avoid Impulse Purchases</h3><p>Before you buy something, ask yourself if it’s a want or a need. Waiting 24 hours before making a purchase can prevent unnecessary “impulse buys” and help you stay on budget.</p><p>Since the ease of online shopping can make quick spending tempting, consider unsubscribing from promotional emails. For larger items, spend more time researching alternatives, reading reviews, and comparing prices before deciding. Sometimes you might find a better deal or decide the item is not a necessity.</p><h3>6. Build an Emergency Fund</h3><p>Unexpected expenses happen, like car repairs, medical bills, or job transitions. Try to save at least three to six months’ worth of expenses to cover emergencies without relying on credit cards.</p><p>If saving that much feels out of reach at first, start with a smaller target like $500 or $1,000 which can help you cover sudden costs like medical bills or car repairs. Whenever you receive money unexpectedly, like a tax refund or bonus, add it to your emergency fund. Keeping these savings in a separate account makes it less tempting to spend them.</p><h3>7. Set Financial Goals</h3><p>Decide what you want to achieve financially. Whether it’s paying off student loans, saving for a car, or planning for travel, clear goals keep you motivated and focused. Break bigger financial goals into smaller steps, like saving $500 toward a car in the next three months and check your progress regularly to help keep you on track. Write down your goals and keep them somewhere you see often, like next to your desk or on your phone.</p><p>Open a high-yield account like a <a href="/accounts/money-market" target="_blank">Money Market</a> or <a href="/accounts/certificates" target="_blank">Certificate</a> for competitive rates to increase your savings.</p><h3>8. Start Building Your Credit Score</h3><p>A good credit score opens doors to lower interest rates and better financial opportunities. Pay bills on time, keep credit balances low, and avoid opening too many accounts at once. Each quarter, we provide our members with updates on their FICO® Score, which you can access in <a href="https://my.metrofcu.org/Authentication?ReturnUrl=FicoScore" target="_blank" data-sf-ec-immutable="">online banking</a> under the tools section. </p><p>Taking a closer look at your credit report each year can help you spot mistakes and correct them. Consider using a credit card for everyday purchases like groceries or gas and pay the balance in full each month. Be cautious about co-signing loans for anyone else, since their missed payments could affect your own credit.</p><h3>9. Use Credit Cards Wisely</h3><p>Credit cards can be helpful but only if used responsibly. Make payments on time each month to keep your balance in check. Spend within your means to build a strong credit history. Even if you qualify for more, set your own spending limit with your credit card to keep your spending within your means of repayment.</p><h3>10. Get Financial Guidance</h3><p>You don’t have to navigate your finances alone. Metro Credit Union provides resources like <a href="https://save-and-succeed.metrofcu.org/login" target="_blank" data-sf-ec-immutable="">Save and Succeed</a>, the credit union’s personal finance program. Access <a href="/resources/financial-calculators" target="_blank">financial calculators</a>, <a href="/resources/blog" target="_blank">blogs</a>, and a variety of other <a href="/resources/member-education" target="_blank">member education</a> tools. Empower yourself with financial knowledge to make informed decisions.</p><hr />Starting strong financially after college is possible with the right habits and support. Metro Credit Union is here to help you make smart decisions no matter where you are financially. Visit our <a href="/home" target="_blank">website</a> today to learn more about how we can support your financial journey!<p> </p>

Graduating from college is an exciting milestone that also comes with new financial responsibilities. We've got 10 tips to help you manage your finances after graduation.

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Apr 1, 2025

Teaching Kids About Money Management

<h2>Tips for Parents</h2><p><img src="/images/default-source/blog-article-images/kidsmoneymgmt-blogimage36d8470b-06a2-4389-9a70-c6ae4518d3d7.png?sfvrsn=5ee4cd55_1" sf-size="1796086" alt="" /></p><p>Teaching children about money is an essential life skill and a fundamental aspect of their education. Parents often play a significant role in shaping their children’s financial habits and attitudes, helping them avoid future debt and struggles later in life. As young people grow and mature, their understanding can be expanded and adapted to match their evolving financial responsibilities.</p><p>However, some parents may feel unqualified teaching their kids about money management.  The good news is they don’t need to be experts and offering basic guidance can make a difference.  Here are tips to help parents teach kids about money management effectively:</p><h3>Start Early</h3><p>Introduce the concept of money and its value early on. Use everyday situations, like shopping trips, to explain basic concepts such as spending, saving, and budgeting.</p><h3>Show the Money</h3><p>With cashless payments being the norm, children may see cards as “magic money.” Using real currency helps them grasp its value, recognize different bills and coins, and understand the concept of exchange.</p><h3>Teach by Example</h3><p>Children learn by observing their parents’ behaviors. Show responsible money management habits such as budgeting, saving for goals, and avoiding impulse purchases.</p><h3>Use Allowances Wisely</h3><p>Consider giving children a weekly or monthly allowance to teach money management, encouraging saving, spending wisely, and even donating. While some families link allowance to chores to show that money isn’t free (No chores, no allowance), others prefer a hybrid approach which is providing spending money not tied to specific tasks.</p><h3>Create Savings Goals</h3><p>Help your kids set achievable savings goals, whether it's for a toy, video game, or a future college fund. This teaches them the importance of delayed gratification and planning.</p><h3>Involve Them in Budgeting</h3><p>Include kids in family budget discussions. Discuss the difference between “wants” and “needs.” Let them understand the costs of household expenses and family necessities like groceries, utilities, and entertainment. This gives them a sense of financial responsibility.</p><h3>Encourage Entrepreneurship</h3><p>Support your children to explore entrepreneurial interests to earn extra money, like a lemonade stand, offering to walk neighbors' dogs, or selling handmade crafts. This teaches them about earning income, managing expenses, creativity and rewards of hard work.</p><h3>Use Technology Tools</h3><p>Utilize age-appropriate apps and online tools designed to teach kids about financial literacy. Make learning about finances interactive and engaging.</p><h3>Discuss Financial Values</h3><p>Have open conversations about the importance of financial values such as honesty, integrity, and responsible spending. Teach kids about the consequences of overspending, debt, and financial mistakes.<hr />Teaching kids about money management requires patience, consistency, and positive reinforcement as an ongoing process. Implementing these tips helps parents guide their children in developing essential money management skills and building a solid financial foundation for the future. Start teaching your kids about money today with Metro Credit Union as your trusted financial partner.</p><p> </p><p> </p>

Teaching kids about money management is crucial. Parents can start early by using real currency, setting savings goals, and leading by example.

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Mar 10, 2025

FIXED OR VARIABLE RATE HELOC: WHICH ONE SUITS YOUR NEEDS?

<p>A Home Equity Line of Credit (HELOC) is a great way to access funds using the equity in your home. Metro Credit Union offers HELOCs for up to 90% of your home’s value. You can use it for home renovations, a dream wedding, debt consolidation, and more.</p><p>When applying for a HELOC, you’ll need to decide whether you want a rate that can periodically increase or decrease during the loan term or a rate that remains fixed. Understanding the differences between a variable rate HELOC and a fixed rate HELOC can help you choose the option that best fits your needs.</p><h3>What is a Fixed Rate HELOC?</h3><p>A fixed rate HELOC allows you to lock in an interest rate for the duration of your credit line. While your monthly payments may vary based on your outstanding balance, the interest rate remains the same. This means you can borrow funds as needed at the same fixed rate throughout the draw period. Fixed rate HELOCs are ideal for those who:</p><ul><li>Prefer predictable monthly payments</li><li>Want protection against rising interest rates</li><li>Plan to borrow a large sum and repay it over time</li><li>Need long-term financial flexibility without rate fluctuations</li></ul><h3>What is a Variable Rate HELOC?</h3><p>A variable rate HELOC has no locked rates, which means an interest rate that fluctuates based on market conditions. This can cause your monthly payments to go up or down depending on interest rate changes. Metro’s variable rate HELOC has a 12-month introductory rate, after which the rate becomes variable. A variable rate HELOC may be a good fit if you:</p><ul><li>Are comfortable with some level of uncertainty in your payments</li><li>Expect interest rates to remain steady or decline</li><li>Plan to borrow and repay funds quickly</li></ul><h3>How to Choose the Right HELOC for You</h3><p>Consider the following when deciding between a fixed or variable HELOC:</p><h4>Do you prefer stability? </h4><p>A fixed rate HELOC is ideal if you want consistent payments and protection from rising interest rates. </p><h4>Are you comfortable with fluctuations?</h4><p>A variable rate HELOC might be suitable if you're comfortable with potential rate changes and want to take advantage of lower initial rates.</p><h4>How long will you keep the loan?</h4><p>If you plan to repay the loan quickly, a variable rate could save you money in the short term.</p><h4>What are your financial goals?</h4><p>If you're funding a large, long-term project, a fixed rate HELOC may be preferable. For short-term or occasional borrowing, a variable rate HELOC might be more beneficial.</p><br /><br /><hr /><p> </p><h3>Which One Is Right for You?</h3><p>Both fixed and variable HELOCs offer unique advantages. The best choice depends on your financial situation, risk tolerance, and borrowing needs. If you're unsure which option is right for you, Metro Credit Union can help you explore your options and find the best fit for your financial goals. Visit our <a target="_blank" href="/home">website </a>or contact a member of our <a target="_blank" href="/loans/heloc">Mortgage Team</a> today to learn more and make an informed decision that works for you!</p>

Fixed and Variable Rate HELOCs each have their unique advantages depending on what you plan to use them for. The information in this article can help you decide which best suits your needs.

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Feb 18, 2025

Choosing the Right Personal Loan

<p>At some point in time, you may find yourself needing financial assistance to help you navigate life. Whether it’s to complete a home repair, finance a family getaway, or pay for an unexpected medical expense, a personal loan may be your best option. You might also consider a personal loan to consolidate existing debt into a single payment with a lower interest rate.</p><img alt="" src="/images/default-source/layered-ctas/home-repair.png?sfvrsn=5600af1d_1" sf-size="100" /><p>Depending on your needs, a signature loan, line of credit, or consolidation loan could be the best option given your unique circumstances. While each provides access to funds, they work very differently. Here’s what you need to know about each option:</p><h3>Signature Loan</h3><p>A signature loan from Metro Credit Union is a fast and easy way to get funds and does not require any collateral to open. This type of loan can be used for a variety of expenses with a wide range of rates and terms available to fit your financial needs.<br /></p><h3>Debt Consolidation</h3><img alt="" src="/images/default-source/blog-article-images/credit-cards.png?sfvrsn=3db87405_1" sf-size="100" /><p>Credit cards are convenient to use, but if you find yourself struggling to make multiple credit card payments each month, you might want to consider <a href="https://save-and-succeed.metrofcu.org/articles/5-benefits-of-consolidating-credit-card-debt-to-a-personal-loan" data-sf-ec-immutable="">consolidating your debt</a>. When you convert credit card debt to a personal loan, you may pay less in interest, and you have a fixed repayment period while making a single payment for multiple credit card debts.</p><h3>Line of Credit</h3><p>A line of credit is a preset borrowing limit that can be tapped into at any time. You can take money out as needed until the limit is reached, and as money is repaid, it can be borrowed again in the case of an open line of credit.</p><h3>Your Credit Score</h3><p>When applying for a personal loan, the first thing that matters is your credit score. Just like a report card describes what kind of student you were, your credit score tells credit unions what type of borrower you are. It indicates how well you’ve repaid loans in the past and how likely you are to repay a loan in the future. Your credit score can determine not only whether you get a loan but also how much you pay in interest. A better credit score can save you hundreds or even thousands of dollars in interest. Each quarter, we provide our members with updates on their FICO® Score, and you can access it via <a href="https://my.metrofcu.org/Authentication?ReturnUrl=FicoScore" data-sf-ec-immutable="">online banking</a> under the tools section. </p><p> </p><hr /><p> </p><p>To help you understand what type of loan will meet your unique needs, visit our Resources page at <a href="/home">metrofcu.org</a> where you can find links to <a href="/resources/financial-calculators">financial calculators</a>, <a href="/resources/blog">blogs</a>, <a href="/resources/member-education">member education</a> tools, and <a href="/resources/save-and-succeed">Save and Succeed</a>, Metro’s personal finance program. Once you’re ready to move forward, visit our <a href="/loans/personal-loans">Personal Loans</a> webpage and click Apply Now. </p><p> </p>

Discover the best personal loan for your needs by exploring signature loans, debt consolidation, and lines of credit.

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Jan 31, 2025

Financial Checklist: Start 2025 On the Right Foot

<p>Regardless of the time of year, you can always reset your goals and analyze your finances. This financial checklist will help you set clear goals, track your spending, stick to a budget, and build healthy money habits, so you can keep moving forward throughout the year.</p><p><img src="/images/default-source/blog-article-images/financial-checklist-blog-body-image-1.png?sfvrsn=f9bcc10b_1" sf-size="100" alt="" /></p><h3>Set Financial Goals</h3><div><p>Define clear financial goals by prioritizing short-term and long-term <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">objectives, such as saving for a home or retirement. Break these </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">goals into actionable monthly or quarterly targets and track your </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">progress regularly to stay motivated and focused. With consistent </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">effort and evaluation, you can achieve your financial goals.</span></p><h3>Analyze Your Spending</h3></div><div><p>Small, habitual expenses can quickly add up. Spend a month <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">tracking your spending patterns to identify unnecessary purchases </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">and areas where you can free up cash for your financial goals.</span></p><h3>Create a Realistic Budget</h3><div><p>Setting a realistic budget helps you allocate your money effectively <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">before you even receive it. Start with a simple 50/30/20 framework </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">(50% needs, 30% wants, 20% savings or debt repayment) and adjust </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">as needed to align with your financial priorities.</span></p><h3>Focus on Reducing Debt</h3><div><p>Debt can hinder your path to financial freedom. Adopt a repayment <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">strategy, like focusing extra funds on high-interest debts while </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">maintaining minimum payments on others. This approach can help </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">you reduce debt more efficiently.</span></p><h3>Review Your Spending</h3></div><div><p>Periodically review your expenses to uncover opportunities for <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">saving. Consider switching from cable to streaming, canceling </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">unused subscriptions, or finding more affordable options for phone </span><span style="background-color:transparent;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">and insurance plans.</span></p><img src="/images/default-source/blog-article-images/financial-checklist-blog-body-image-2.png?sfvrsn=7d9dd7a6_1" sf-size="100" alt="" /><h3><span style="background-color:transparent;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Review Your Insurance Policies</span></h3><div><p>Ensure your health, life, home, and auto insurance policies meet your current needs. Life <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">changes like a new job or having a child can impact your coverage requirements and costs.</span></p><h3>Review Your Retirement Contributions</h3><div><p>Review your workplace retirement plans to ensure you’re maximizing contributions, especially <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">if your employer offers a match. If possible, aim to increase your contributions each year to s</span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">tay on track for retirement.</span></p><h3>Check Your Credit Score and Report</h3></div><div><p>Your credit score plays a crucial role in determining loan approvals, interest rates, and <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">financial opportunities. Take advantage of Metro’s updated <a href="https://my.metrofcu.org/FicoScore" data-sf-ec-immutable="">FICO<sup style="background-color:initial;font-family:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">®</sup><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"> score feature</span></a>, available </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">quarterly via <a href="/services/online-banking" target="_blank">online banking</a>. Regularly monitoring your credit score can help you identify </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">areas for improvement and set goals accordingly.</span></p><h3>Update Your Will</h3></div><div><p>Keep your will up to date to ensure it reflects your current wishes and circumstances. If you <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">don’t have one, now is the time to create it. Review and update beneficiaries on all accounts, </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">including pensions and life insurance policies, and consider establishing a power of attorney </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">to designate someone to make decisions on your behalf if needed.</span></p><h3>Build an Emergency Fund</h3><div><p>An emergency fund provides a safety net for unexpected expenses. Start small by setting <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">aside a portion of each paycheck and aim to save enough to cover 3–6 months of living </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">expenses. Automate your savings with regular transfers to maintain consistency and keep </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">the funds in an easily accessible <a href="/accounts/savings-accounts" target="_blank">savings account</a>.</span></p><h3>Educate Yourself on Personal Finance</h3><div><p>Empower yourself with financial knowledge to make informed decisions. Explore resources <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">such as <a href="https://save-and-succeed.metrofcu.org/login" target="_blank" data-sf-ec-immutable="">Save and Succeed</a>, Metro’s personal finance program. You’ll find financial blogs </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">– like the source of this article - and an array of other member education tools. Learn the </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">essentials of budgeting, saving, credit management, and debt reduction to take control of </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">your financial future.</span></p><p> </p></div></div><p> </p></div><p> </p></div><p> </p></div></div></div>

Follow this checklist to learn how to build a secure financial future and ensure you’re prepared for any fiscal challenges that come your way.

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Jan 31, 2025

Beware of Tax Scams: Protect your Information and Money

<div><p>Tax season can be stressful, and scammers often take advantage of this time to target individuals. <span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Staying informed and vigilant against evolving fraud tactics is essential to recognizing common </span><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">schemes and protecting yourself.</span></p><img src="/images/default-source/blog-article-images/beware-tax-scams-blog-body-image4d124cfe-9376-4f01-81d5-d0f5539365e5.png?sfvrsn=dd2de6b5_1" sf-size="100" alt="" /><h2>1. Phishing Emails and Texts</h2><div><p>Scammers send fake emails or texts pretending to be from the IRS or other trusted sources. These messages often include urgent requests to verify personal information or settle a tax debt, with links or attachments designed to steal your data.</p></div><h5><em>Tip: The IRS never contacts people by email or text. Don’t click on links or share personal details in unsolicited messages.</em></h5><h2>2. Phone Scams</h2><div><p>Fraudsters impersonate IRS agents, making threatening calls and demanding immediate payment to avoid arrest or legal trouble. They may ask for payment via gift cards, wire transfers, or cryptocurrency</p></div><h5><em>Tip: The IRS doesn’t demand payments over the phone or threaten taxpayers with police action.</em></h5><h2>3. Identity Theft</h2><div><p>Scammers use stolen personal details to file fraudulent tax returns and claim refunds. Victims often discover the fraud when their legitimate tax return is rejected.</p></div><h5><em>Tip: Protect your Social Security number and consider filing your taxes early to beat fraudsters to the punch.</em></h5><h2>4. Fake Tax Assistance</h2><div><p>Dishonest tax preparers promise big refunds but may alter your tax return without your knowledge, leading to audits or penalties.</p></div><div><h5><em>Tip: Check your preparer’s credentials using the IRS directory of authorized tax professionals.</em></h5></div><h2>5. Social Media Scams</h2><div><p>Scammers use social media to spread false information about tax credits or refunds, or they may impersonate the IRS to steal personal details.</p></div><h5><em>Tip: Trust only official IRS resources for tax-related information and report suspicious activity.</em></h5><h2>6. Charity Fraud</h2><div><p>Scammers pose as legitimate charities during crises or disasters, soliciting fake donations they claim are tax-deductible.<em></em><em></em></p></div><h5><em>Tip: Verify charities through tools like the IRS Tax Exempt Organization Search.</em></h5><h2>7. Evolving Cryptocurrency Scams</h2><div><p>With the rise of cryptocurrency, scammers use it for fraud, including fake tax payment requests or investment opportunities.</p></div><h5><em>Tip: The IRS does not accept cryptocurrency for tax payments. Be wary of unsolicited investment offers.</em></h5><h2>8. Tax Refund Fraud</h2><div><p>Scammers use stolen information to file fake tax returns and divert refunds to their accounts. Some send fake checks, later demanding repayment.</p></div><h5><em>Tip: Use the official IRS “Where’s My Refund?” tool to track your refund safely.</em></h5><hr /><div><h3>In summary, remember these steps to protect your privacy during tax season.</h3><ul><li>Be Skeptical: Question unsolicited calls, emails, or messages claiming to be from the IRS. The IRS typically contacts taxpayers through mail. Suspicious calls or emails? Report them.</li><li>Verify Contacts: Use official IRS contact numbers to confirm any communication.</li><li>Secure Your Information: Use strong passwords, enable two-factor authentication, and monitor your Metro accounts regularly. Protect your Social Security number and file taxes early to reduce the chance of identity theft.</li><li>Report Scams: Notify the IRS of any suspicious activity via their fraud reporting page.</li></ul></div><div></div><p> </p></div>

Be vigilant against scammers shifting tactics during tax season. Learn about the most recent tax scams taking place and follow our tips to protect yourself against them.

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Jan 31, 2025

Annual Membership Meeting

<div><h3>Saturday, April 19, 2025</h3><p>Each year Metro holds an Annual Meeting open to all members of the Credit Union. The 2025 Annual Meeting is currently planned for Saturday, April 19, 2025, at 9:00 a.m. at the Marriott Regency Hotel in Omaha. This year’s Annual Meeting will include only the business meeting, no meal or door prizes, and reports as required in the Credit Union’s bylaws. There is no cost to attend but please call 402-551-3052 to reserve a seat. </p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span>Each year, three directors are elected to the Credit Union Board. In 2025, three incumbents, Directors John White, Erin Gubbels, and Marilyn McWilliams have each expressed a desire to serve an additional term and have been nominated to do so by the Nominating Committee. In accordance with our bylaws, nominations from the floor are not permitted. When the number of candidates equal the number of open positions, no ballot election will be held.</p></div><div><p>Current Metro members in good standing who have an interest in running for the Board after the Nominating Committee has submitted a slate of candidates may do so by submitting a petition signed by 1% of current members (approximately 440 as of writing), along with a statement of qualification and biographical information. This petition must be submitted to the Nominating Committee by March 5, 2025.</p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Metro Credit Union Directors serve as uncompensated volunteers elected from the membership to three-year terms. Directors are required to attend meetings at least monthly and be available for possible Committee assignments, special meetings, and trainings throughout the year.</span></p></div><div><p> </p><h3>Volunteer Director Biographies</h3><p><img src="/images/default-source/blog-article-images/john-whitec1cdef0f-d1f8-4929-8fdb-dd6aabed9129.png?sfvrsn=4b74482e_1" style="margin-bottom:15px;" sf-custom-thumbnail="true" width="300" sf-constrain-proportions="true" sf-size="100" alt="John White, Incumbent, Member for 20 years" /></p><p>John has lived his entire life in Omaha, attending Westside High School and the University of Nebraska, Omaha. John has owned and operated a small business for 41 years.</p><p>He has served as President of the Westside Alumni Association, President of the Omaha Chapter of Painting and Decorating Association, and Trustee for Lutheran Church of the Master. John and wife Carol have two children (David and Emily). John is an avid golfer, hunter and boater.</p><p>“I first learned of Metro Credit Union years ago when I was providing service as a vendor. I was immediately impressed by the service provided by the staff and based on my experience, I later took the opportunity to become a member. I have served as a Metro Credit Union volunteer Director for the past 17 years and it would be my pleasure to continue serving in that capacity.”<span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span></p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"> </span></p><p><img src="/images/default-source/blog-article-images/erin-gubbels.png?sfvrsn=82654728_1" style="margin-bottom:15px;" sf-custom-thumbnail="true" width="300" sf-constrain-proportions="true" sf-size="100" alt="Erin Gubbels, Incumbent, Member for 29 years" /><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span></p><p><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Erin first opened her checking account at Metro when she was fresh out of college, working at UNMC and needing to finance her first car (one of many through Metro!).</span></p></div><div><br /></div><div>Most of Erin’s career has been in radio and television sales and sales management. After working in several other markets, Erin returned to Omaha - and Metro. Today she serves in a leadership role at a firm that provides technology solutions for radio and television stations, nationally and internationally.</div><div><br /></div><div>Prior to joining the board, Erin had the opportunity to work with Metro as a vendor to develop a marketing campaign. “I learned so much about Metro in that process and was endlessly impressed with the leadership team and their vision.” Erin was proud to be invited to join the supervisory committee and, after seven years of serving on the committee, was equally honored to join the Board.</div><div><br /></div><div><p>Erin and her husband Chris enjoy working around their farm, managing their small vineyard and flock of chickens, traveling, playing with their rescue dogs and spending time with their daughter, Molly.</p><p> </p><p><img src="/images/default-source/blog-article-images/marilyn-mcwilliams.png?sfvrsn=f2bcce92_1" style="margin-bottom:15px;" sf-custom-thumbnail="true" width="300" sf-constrain-proportions="true" sf-size="100" alt="Marilyn McWilliams, Incumbent, Member for 50 years" /><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span></p><p><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Marilyn’s volunteer service to the Credit Union spans more than 30 years, including time serving as Membership Officer, Supervisory Committee member, and volunteer Director, the role she holds today.</span></p></div><div><br /></div><div>Marilyn cites the need for Metro to remain competitive by offering a full array of financial products and services to their members. To that end, she has been active in the development and implementation of many of the credit union’s products and services enjoyed by members today. Marilyn says she is committed to the idea that each member holds a stake in the future of the credit union and would appreciate the opportunity to help keep that philosophy in place.</div><div><br /></div><div>She worked a total of 39 years for both Clarkson Hospital and Nebraska Medicine as an LPN, retiring in 2010. Marilyn has one son, Michael, living in California.</div>

Metro Credit Union's 2025 Annual Meeting is currently planned for Saturday, April 19, 2025, at 9:00 a.m. at the Marriott Regency Hotel in Omaha.

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Oct 3, 2024

Best Practices for Online Holiday Shopping

<p>Have you ever had your holiday plans disrupted by a bad online shopping experience, like a gift that never arrived? If so, you're not alone. As the holiday season approaches, the chances of running into issues with online orders increase. But don’t worry—there are ways to protect yourself. With online holiday shopping the preferred option for many consumers today, here are a few best practices to keep in mind, from placing your orders to receiving and verifying your deliveries.</p><h3>Be a Savvy Shopper</h3><p>You’re excited about a great deal, only to receive a damaged or completely different item—or sometimes, nothing at all. To help you stay ahead of these potential problems, it’s important to take a few precautions before and after your purchase:</p><ul><li>Ensure the product you’re purchasing is exactly what you want. </li><li>Verify the brand name, check the size or dimensions of the product.</li><li>Inspect your purchase immediately. </li><li>Look for any signs of damage, discrepancies, or counterfeit goods. </li><li>Take some photos of the item and its packaging—this can serve as proof of its condition when you receive it.</li></ul><p>While many well-known retailers have consumer-friendly policies, it’s always worth reviewing their terms before committing to a purchase. If you’re considering an order from a small business or a company you’ve never shopped with before, take the time to read their terms and conditions and look for customer reviews to evaluate their reliability.</p><p>Extra caution is especially important when buying from third-party sellers through online marketplaces, as scams tend to spike during the holiday season. Always be wary of scam websites—check for "https://" in the web address to ensure a secure connection. For example, <strong>nike2024airjordandeals.com</strong> is not an official Nike website. And remember, if a deal sounds too good to be true, it probably is. </p><h3>Payment Options<o:p></o:p></h3><p>Many online retailers now accept payments through digital wallets, which can provide extra security by protecting your card information. Be cautious if a seller asks for payment through peer-to-peer (P2P) services like CashApp, or Venmo—these transactions are treated as cash transfers, not product purchases, making disputes impossible to file against the seller.</p><h3>Shipping & Delivery<o:p></o:p><br /></h3><p>Use services that provide tracking numbers and enable delivery notifications so you can keep tabs on your shipment. For expensive items, consider shipping to your workplace or requiring a signature upon delivery, it ensures that your package is delivered safely and directly to you. Most online retailers aren’t responsible if a package is stolen from your porch, and they may not replace or refund the item.</p><h3>Retain Documentation<o:p></o:p></h3><p>When shopping online always keep your digital receipts. It is standard for online retailers to send order confirmations and invoices, and many will follow-up with shipping and delivery updates as well. It’s important to retain this documentation in case something goes wrong with your order.</p><h3>What if Something Goes Wrong?<o:p></o:p></h3><p>In the event you do not receive your order in the expected timeframe, or you receive a damaged or different product, you should always reach out to the merchant first for resolution. If there was an error, they can often resolve the issue faster than through a dispute claim. However, if the merchant is unable or unwilling to correct the problem with your online purchase, you could reach out to Metro Credit Union to initiate a dispute claim if you made the purchase using a Metro debit or credit card. </p><h3>How to Dispute a Purchase</h3><p>If you need to dispute a purchase, it's essential to document everything, including your attempts to resolve the issue directly with the seller. If you are unable to resolve the issue, you have at least 60 days after the charge originally posted to file a dispute with Metro Credit Union. </p><p>To file a dispute, gather all relevant documents, such as photos, receipts, and communication records, and then call us at 800-301-8549, message us via <a href="https://my.metrofcu.org/Authentication?ReturnUrl=MessageCenter" target="_blank" data-sf-ec-immutable="" data-sf-marked="">Online Banking</a>, or stop by your nearest <a href="/about-us/locations-hours" target="_blank">branch location</a>. </p><p>Once you submit your claim to Metro Credit Union, we will begin the review process to assess the details of your submission. If we require additional information, we may reach out to you via email for clarification. Typically, the entire process takes about 30 to 45 days to evaluate your claim, and you can expect to receive an email with the outcome within 60 to 90 days of your submission.</p><h3>How to Report Fraud</h3><p>If you believe you’ve been a victim of fraud or have unrecognized transactions on your Metro Credit Union account, freeze or block the affected card on our mobile app and contact us immediately:</p><ul type="disc"><li data-list="0" data-level="1"><strong>By Phone:</strong> <a href="tel:402.551.3052" data-sf-ec-immutable="">402.551.3052</a></li><li data-list="0" data-level="1"><strong>In Person:</strong> Visit one of our branches</li><li data-list="0" data-level="1"><strong>Online: </strong>Use the secure Message Center in the Metro Credit Union app or website</li></ul><h2><hr />Related Blog:<br /></h2><p><a href="/resources/blog/metro-blog/2023/12/18/safeguarding-your-packages--essential-safety-tips-from-metro-credit-union" target="_blank">Safeguarding Your Packages</a></p>

As holiday shopping online is becoming the preferred option for many consumers today, we've got a few best practices to keep in mind, from placing your orders to receiving and verifying your deliveries.

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Sep 3, 2024

Credit Scores: What's Good, Average and Bad?

<p>When applying for a loan, the first thing lenders look at is your credit score. Just like a report card describes what kind of student you were, your credit score tells lenders what type of borrower you are. It indicates how well you’ve repaid loans in the past and how likely you are to repay a loan in the future.</p><p>Your credit score can determine not only whether you get approved for a loan but also the interest rate you qualify for. A higher credit score can save you hundreds or even thousands of dollars in interest over the life of the loan.</p><p>Is your credit score good, average or bad? Here's how to tell – and what you can do to increase your credit score.<br /></p><h3>FICO Credit Scores range from 300 to 850:<br /></h3><h4>Excellent: 800-850</h4><p>Lenders consider you an exceptional borrower with minimal risk. You have access to premium financial products and services that many consumers never see, including exclusive credit card offers with superior benefits.</p><h5>Financial Advantages</h5><ul><li>Qualify for the lowest advertised mortgage rates, potentially saving tens of thousands of dollars over the life of a loan</li><li>Access to 0% promotional financing on major purchases like vehicles and home improvements</li><li>Credit card applications typically approved instantly with the highest available credit limits</li><li>Ability to negotiate with lenders for terms that may exceed their standard offerings</li></ul><h4>Very Good: 740-799</h4><p>You fall into the second-highest credit tier and qualify for most premium lending products. While not at the exceptional level, you still receive competitive rates and favorable terms across virtually all types of credit.</p><h5>Financial Advantages</h5><ul><li>Mortgage rates typically very close to the best available rates in the market</li><li>Auto loan rates often match manufacturer promotional offers</li><li>Credit card approvals with substantial credit limits and competitive interest rates</li><li>Most loan applications move forward without requiring additional documentation or co-signers</li></ul><h4>Good: 670-739</h4><p>You meet most lenders' standards for acceptable risk and can access mainstream financial products. Your rates may not be the absolute lowest available, but you have solid borrowing options across all credit categories.</p><h5>Financial Advantages</h5><ul><li>Mortgage approval is likely, though interest rates may be slightly higher than top-tier borrowers</li><li>Standard auto loan rates from banks and credit unions</li><li>Access to rewards credit cards, though some may include annual fees</li><li>Personal loans available with reasonable rates for debt consolidation or major purchases</li></ul><h4>Fair: 580-669</h4><p>Your credit history shows some challenges that make traditional lenders more cautious. However, borrowing options remain available through specialized programs and alternative lenders.</p><h5>Financial Realities</h5><ul><li>Mortgage options exist through government programs like FHA or VA loans, often requiring larger down payments</li><li>Auto loans are available but typically come with significantly higher interest rates</li><li>Credit card options are primarily secured cards or those with higher fees and lower credit limits</li><li>Personal loans may require co-signers or come with substantially higher interest rates</li></ul><h4>Poor: 300-579</h4><p>Credit reports in this range typically show serious payment issues, collections accounts, or other significant negative marks. Traditional lenders view this as high-risk territory.</p><h5>Financial Realities</h5><ul><li>Conventional mortgages are extremely difficult to obtain and may require specialized lending programs</li><li>Auto financing is limited to subprime lenders with much higher interest rates</li><li>Credit cards are restricted to secured products that require upfront deposits</li><li>Personal loans are rare and expensive when available, often carrying very high interest rates</li></ul><p><hr /></p><h3>Check Yourself: Monitoring Your Credit Score</h3><p>Monitoring your credit score is crucial. Accessing your FICO® Score, a commonly used credit scoring model, is easy and available at any time. At Metro Credit Union, we share updated FICO® Scores with members quarterly via <a href="https://my.metrofcu.org/Authentication?ReturnUrl=FicoScore" target="_blank" data-sf-ec-immutable="">online banking</a> under the tools section. Regularly checking your FICO® Score keeps you aware of changes in your credit profile and helps you make informed decisions on future borrowing and credit score improvement if necessary.</p><p>Keep in mind, by law everyone is entitled to one free copy of their credit report every year from each of the three main credit reporting agencies. </p><p>Here’s how you can obtain your free annual credit report:</p><h4 style="margin-left:30px;">By Phone: </h4><p style="margin-left:30px;">Call toll-free: 1.877.322.8228.</p><h4 style="margin-left:30px;">Online:</h4><p style="margin-left:30px;"><strong></strong>Visit <a href="http://www.annualcreditreport.com/" target="_blank" title="http://www.annualcreditreport.com/" data-sf-ec-immutable="">www.annualcreditreport.com</a> to request your credit report online.</p><h4 style="margin-left:30px;">By Mail:</h4><p style="margin-left:30px;"><strong></strong>Obtain the Annual Credit Report Request Form from the <a href="http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf" target="_blank" title="http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf" data-sf-ec-immutable="">Federal Trade Commission's website</a>. Fill out the form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.</p><p>While valuable for ensuring there are no errors impacting your credit score, your free credit report does not include your score.</p><hr /><h3>Your FICO Score is composed of five key components:</h3><h4>Payment History (35%) </h4><p style="margin-left:30px;">The most significant factor, making up 35% of your score, is your payment history. Consistent, on-time payments will improve your score, while late or missed payments will negatively impact it. The more frequent, recent, or severe missed payments are, the greater the damage to your score.</p><h4>Amounts Owed (30%)</h4><p style="margin-left:30px;">Thirty percent of your score is based on the amount you owe, particularly in relation to your available credit. Maxed out credit cards or lines of credit can harm your score, while keeping your balances at half your limits or below can help maintain a strong score.</p><h4>Length of Credit History (15%)</h4><p style="margin-left:30px;">The age of your accounts contributes 15% to your score. Generally, a longer credit history is better, as it provides more data for lenders to base their decisions on.</p><h4>Credit Mix (10%)</h4><p style="margin-left:30px;">Having a variety of credit types, such as credit cards, personal loans, mortgages, car loans, and installment loans, is beneficial and makes up 10% of your score. It demonstrates your ability to manage different types of credit.</p><h4>New Credit (10%)</h4><p style="margin-left:30px;">Opening many new accounts or having numerous credit inquiries in a short timeframe can signal greater risk, as it may indicate that you need a lot of credit quickly. This component accounts for 10% of your score.</p><h4><em>Important Note: </em></h4><p style="margin-left:30px;"><em>Your income is not included in your credit score. While income and debt-to-income ratio are important factors for lenders, they are not part of the FICO Score calculation. Lenders consider these factors in addition to your credit score when making lending decisions.</em></p><hr /><h3>How to Improve Your Credit Score</h3><p>Improving your credit score takes time, but by following these simple rules, you can see gradual and significant improvements:</p><h4>Make Payments on Time</h4><p style="margin-left:30px;">The most crucial factor for your credit score is making timely payments. While past late payments stay on your credit report for several years, they have less impact over time.</p><h4>Pay Down Your Debt</h4><p style="margin-left:30px;">Paying off debt will improve your score, and prioritizing credit card debt can escalate that rise. Keeping low or no balances on credit cards increases your "capacity," which adds points to your score.</p><h4>Keep Credit Cards Open</h4><p style="margin-left:30px;">When you pay off credit cards, resist the urge to close them. Keeping these cards open with no balance increases your capacity and adds points to your score. This requires discipline to avoid building the balance back up.</p><h4>Avoid Applying for Excessive New Credit</h4><p style="margin-left:30px;">Applying for many new loans or credit cards in a short period can hurt your score. While it's beneficial to show some experience repaying loans, too many new applications can indicate financial instability.</p><h4>Dispute Inaccuracies on Your Credit Report</h4><p style="margin-left:30px;">Errors on your credit report, such as incorrect late payments or unpaid balances, can negatively affect your score. Dispute inaccuracies directly with the credit bureau or the lender to correct these mistakes.</p><hr /><p>Credit problems don't have to last forever. By following these guidelines, anyone can improve their score over time. A higher score makes it easier to secure the best rates from lenders, making the effort worthwhile.</p><h3>Take Charge of Your Financial Future</h3><p>Understanding and managing your credit score is crucial for reaching your financial goals. Keep an eye on your credit, make improvements, and be proactive. By doing so, you can borrow more easily and save on interest. Improving your credit score takes time and effort, but it's worth it. Start today and take charge of your financial future.<br /></p>

Your credit score can determine not only whether you get a loan but also how much you pay in interest. Is your credit score good, average or bad? Here's how to tell – and what you can do to increase your score.

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Aug 19, 2024

A Guide to Understanding and Preventing Elder Scams

<p>As technology advances, so do the tactics of fraudsters looking to exploit unsuspecting individuals. Elder scams are schemes specifically designed to deceive and steal from senior citizens. These scams can take many forms, including phone calls, emails, postal mail, or even in-person encounters. The goal of these scammers is often to gain access to financial information, such as credit cards, bank accounts, personal data, or to directly steal money from their victims.</p><p>Seniors are especially vulnerable to scammers that exploit their trust, financial stability, and limited familiarity with technology. According to the <a href="https://www.fbi.gov/contact-us/field-offices/losangeles/news/fbi-releases-2023-elder-fraud-report-with-tech-support-scams-generating-the-most-complaints-and-investment-scams-proving-the-costliest" data-sf-ec-immutable="">FBI’s Elder Fraud Report</a>, losses from scams targeting Americans over 60 increased by 11% in the past year, totaling more than $3.4 billion in 2023.</p><p>With these crimes on the rise, Metro Credit Union is providing the following information as a guide to help family members and friends take an active role in protecting their loved ones from unscrupulous fraudsters who prey on them. Highlights include why seniors are targeted, common types of scams targeting them, and how they can protect themselves and others.</p><p> </p><h3>Why Are Seniors Often Targeted for Scams?</h3><h4>Trusting Nature</h4><p><strong></strong>Seniors grew up in an era when trust was often a valued trait, making them more likely to trust strangers.</p><h4>Isolation</h4><p><strong></strong>Loneliness can make seniors more vulnerable as they may seek social interactions, even with unknown sources.</p><h4>Memory Challenges</h4><p><strong></strong>Aging can affect memory and recognition, making it harder to spot scams and remember details like bank balances.</p><h4>Lack of Technical Savvy</h4><p><strong></strong>Seniors may be less familiar with modern technology and online scam signs, making them easier targets.</p><h4>Financial Security</h4><p><strong></strong>Many seniors have substantial savings, own their homes, and have good credit, making them attractive to fraudsters.</p><h4>Insecurities</h4><p><strong></strong>Scammers exploit seniors' insecurities by using threats related to health care or Social Security to coerce them into giving up financial information.</p><hr /><h3>Common Scams Against Seniors</h3><h4>Government Imposter Scams</h4><p>Scammers may call seniors pretending to be from the IRS or Social Security Administration, claiming they owe unpaid taxes or need to provide personal information to keep their benefits. </p><h4>Healthcare Scams</h4><p>Fraudsters impersonate Medicare or health insurance representatives, asking seniors to provide personal information or pay fees to access medical services or receive new Medicare cards, which leads to the victims’ information being stolen and used for identity theft.</p><h4>Online Shopping Fraud</h4><p>Fraudsters create fake online stores or ads promoting discounted products. Seniors, looking for good deals, may unknowingly enter their payment information on these scam websites, only to receive nothing in return and fall victim to theft.</p><h4>Funeral Scams</h4><p>Scammers exploit grieving widows and widowers by targeting them through obituaries. They may attend funerals or contact surviving family members, falsely claiming the deceased had outstanding debts that must be paid. Similarly, someone pretending to be from the funeral home could call and insist that there are extra charges that haven’t been paid. </p><h4>Grandparent Scams</h4><p>A scammer may pose as a grandchild in trouble, asking urgently for money to cover legal troubles or medical emergencies. AI technology can mimic voices, making it even more convincing.</p><p>For example, a trusted financial institution shared a case where an elderly customer recently fell victim to a grandparent scam and withdrew $12,500 in cash. The scammer claimed to be his granddaughter, saying she was in legal trouble and under a gag order, with threats to her life if the money wasn’t paid. The customer said it sounded just like his granddaughter. A "courier" came to his home in Omaha to collect the cash. Thankfully, the bank staff explained how AI can mimic voices and advised the customer to file a police report.</p><h4>Lottery Scams</h4><p>Claims of winning a lottery but requiring payment of taxes or fees before releasing funds. After receiving the payment, the scammer disappears, and there is no prize.</p><h4>Romance Scams</h4><p>Someone they’ve never met in person expressing a deep emotional connection such as “love” or “soul mate”. In some cases, victims believe they’ve formed a relationship or friendship with a celebrity who eventually asks for money, leading to financial loss.</p><h4>Telemarketing Scams</h4><p>Unsolicited calls offering fake prizes, low-cost health care products, or financial schemes.</p><h4>Charity Scams</h4><p>Fake charities solicit donations, often after natural disasters or during holidays.</p><h4>Tech Support Scams</h4><p>Calls or pop-up messages claiming to be from tech support, requesting access to computers or personal information.</p><h4>Check Fraud</h4><p>Scammers forge or alter checks to withdraw money from seniors’ accounts.</p><h4>Overpayment Scams</h4><p>Sending fake checks for larger amounts, asking victims to deposit and return the excess funds before the check bounces.</p><h4>Investment Scams</h4><p>Promises of high returns, leading seniors to transfer money from their bank accounts into fake investments.</p><h4>Wire Transfer Scams</h4><p>Convincing seniors to wire money under the guise of helping a relative in distress or securing a prize.</p><h4>Impersonation Scams</h4><p>Scammers posing as bank representatives, calling seniors to "verify" account information or report suspicious activity. Metro will never call and ask a member to very account information.</p><h4>Automatic Withdrawal Scams</h4><p>Unauthorized automatic withdrawals from seniors’ bank accounts through fake subscriptions or services.</p><hr /><h3>How to Protect Your Loved Ones from Financial Exploitation<br /></h3><h4>Stay Informed</h4><p>Help them keep up to date with common scams. Check our <a target="_blank" href="/services/fraud-protection">fraud protection</a> page regularly for current scams updates, and insights on how to protect your personal information, your loved ones, and your money.</p><h4>Verify Sources</h4><p>Tell them to always verify the identity of anyone contacting them unexpectedly, whether by phone, email, or in person.</p><h4>Be Skeptical</h4><p>Encourage them to be suspicious of unsolicited offers, especially those that seem too good to be true. </p><h4>Use Strong Passwords</h4><p>Ensure that all their online accounts are protected with strong, unique passwords.</p><h4>Monitor Finances</h4><p>Help them regularly review bank statements and credit reports for any suspicious activity.</p><h4>Set Up Alerts</h4><p>Help them use <a target="_blank" href="/services/online-banking">Metro Credit Union’s</a> online banking to set up alerts for suspicious activities on their accounts.</p><hr /><p>Most of all, it’s important to regularly discuss the dangers of scams and encourage the seniors in your life to ask their family and friends for help if they’re unsure about a situation. Remind them you’re just a phone call away.</p><p>If you suspect that you or a loved one has been scammed, it’s crucial to act quickly:<br /></p><h4>Contact Metro</h4><p><a target="_blank" href="/services/fraud-protection">Report</a> any unauthorized transactions and request to freeze your accounts.</p><h4>Report the Scam</h4><p>If you believe you or someone you know has fallen victim to a scam, please reach out to the National Elder Fraud Hotline at 833-372-8311 or file a report with local law enforcement and the Federal Trade Commission (FTC).</p><h4>Notify Credit Bureaus</h4><p>Place a fraud alert on your credit reports to prevent further damage.</p>

Elder scams specifically target senior citizens to gain access to financial information, personal data, or directly steal money from their victims. In this blog we explore why seniors are often targeted, common scams they face, and steps to protect them.

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Jun 24, 2024

How to Get Started with Metro Credit Union’s Online Banking Tools

<div><p>Managing your finances should be convenient and hassle-free. With Metro’s online banking tools, you have the freedom to do your banking anywhere, at any time. And with our mobile app you can perform everyday financial tasks directly from your smartphone. Whether it's paying bills, transferring money to friends and family, or monitoring your credit score, you can do it yourself with just a few simple taps. </p></div><div><p>To get started with Metro 's online banking and mobile app, follow these simple steps:</p></div><h3>Step 1: Enroll in Online Banking</h3><p>To enroll, visit Metro’s website and look for the option to enroll in <a target="_blank" href="/services/online-banking">online banking</a>. You'll be asked to provide some personal information, including your Social Security Number (SSN) or Tax Identification Number (TaxID), as well as your account number. Once you've completed this quick enrollment process and set up your login credentials, you're ready to explore the features. </p><h3>Step 2: Sign In and Explore the Features</h3><div><p>When you’re ready, sign in using the username and password you created during the online banking enrollment process. Access your account information here, and take some time to explore the online banking features and functionalities, including:</p></div><h4>Checking Balances</h4><div><p>Easily view the balances of your accounts (checking, savings, credit cards, certificates) right from the “Accounts" section. This gives you a quick snapshot of your financial status.</p></div><h4>Transferring Funds</h4><div><p>Transfer money between your accounts or to external accounts. You can set up recurring transfers and schedule future transfers.</p></div><h4>Making Payments</h4><div><p>Transfer money to friends or family and manage your payment history all in one place. Set up automatic payments for regular bills to ensure you never miss a due date.</p></div><h4>Viewing Statements</h4><div><p>Access your account statements electronically, allowing you to view, download, and save statements for future reference. This helps you track your spending, income, and account activity.</p></div><h4>Applying for Loans</h4><div><p>Apply for loans directly from online banking like personal loans, auto loans, and home equity lines of credit (HELOC). Complete the application process conveniently and track the status of your application.</p></div><h4>Opening Accounts</h4><div><p>Open new accounts, whether it's a savings account, checking account, or a certificate. The platform guides you through the account opening process and provides details about account features.</p></div><div><h4>Messaging</h4></div><div><p>Communicate securely with Metro's Contact Center through the secure Massage Center tool. Ask questions and get help with transactions.</p></div><h4>Credit and Debit Card Controls</h4><div><p>With card controls, you can freeze, increase daily limits, and block or replace cards. Easily order a card reprint with a tap. Instantly block your card if it's lost or stolen and increase daily spending limits in seconds.</p></div><h4>Remote Deposit Capture (RDC)</h4><div><p>Save time and hassle by depositing checks from anywhere, without the need to visit an ITM or branch. Deposit on your own terms, hassle-free.</p></div><h4>Alerts</h4><div><p>Customize notifications for various transactions and account activities, such as failed transfers, additions of external transfers, reaching specific balances, and more. Stay informed and in control of your finances by receiving real-time alerts through SMS, email, or in-app notifications.</p></div><h3>Step 3: Download the Mobile App</h3><div><p>Now, it's time to download and set up the mobile app on your smartphone by <a href="https://my.metrofcu.org/Registration" target="_blank" data-sf-ec-immutable="">clicking here to register for online banking</a>. You can also find the app in the Apple App Store for iOS devices or Google Play Store for Android devices. </p><p><a href="https://apps.apple.com/us/app/metro-credit-union-omaha/id931656579" target="_blank" data-sf-ec-immutable=""><img src="/images/default-source/default-album/apple-app-tmb-esize-200-.png?sfvrsn=4401cd71_0" sf-size="7176" alt="Download on the app store" /></a> <a href="https://play.google.com/store/apps/details?id=com.metrohealthcu.mfm&hl=en_US" target="_blank" data-sf-ec-immutable=""><img src="/images/default-source/default-album/google-play-download-tmb-esize-215-.png?sfvrsn=fcac712d_0" sf-size="5788" alt="Get it on Google Play" /></a></p></div><div><p>Again, when you’re ready to sign in to the mobile app, use the username and password you created during the online banking enrollment process. In addition to all the features included in online banking, you’ll find that you can customize your mobile app experience.</p></div><h3>Step 4: Stay Informed and Secure</h3><div><p>As you begin using Metro’s online banking services, it's essential to stay informed about security best practices. Metro Credit Union prioritizes the security of your financial information and offers strong security features to help keep your accounts safe. Take advantage of features like biometric and two-factor authentication, secure messaging, and transaction alerts to protect your sensitive data.</p></div><h3>Step 5: Enjoy the Benefits of Online Banking</h3><div>With Metro Credit Union online banking, you can enjoy the convenience of managing your finances anytime, anywhere. Whether you're checking your account balance on the go, paying bills on your laptop, or depositing a check via smartphone with just a few taps, our online banking and mobile app tools put the power of Metro at your fingertips.</div><div><br /></div>

Metro's online banking makes managing your finances convenient and hassle-free! In this blog we lay out the benefits and features of online banking and the easy application process.

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May 20, 2024

Tips to Protect Yourself and Recognize Scams After Disasters

<p>Natural disasters can have a big impact on communities, leaving behind not just physical damage but also financial vulnerabilities. However, it's important to be cautious to avoid falling victim to scams as scammers often prey on those who are already struggling. To help you navigate this challenging period and protect yourself from scams, check out these simple yet effective tips from the Federal Trade Commission:</p><ol><li><strong>Take Your Time:</strong> Don't rush into decisions. Research and think carefully before agreeing to sign a contract.</li><li><strong>Watch Out for Upfront Payment Requests:</strong> Be cautious if someone asks for money before starting work other than negotiating a reasonable down payment.</li><li><strong>Check for Licenses:</strong> Make sure contractors have the right licenses for their work. Don't trust those who say they don't need to be licensed.</li><li><strong>Stick with local contractors:</strong> Choosing local contractors after a disaster is smart. They know the rules, are easy to reach, and help your community recover faster.</li><li><strong>Use Standard Payments:</strong> Use normal payment methods like cash, credit cards or checks. Don't fall for unusual payment methods like wire transfers or gift cards that are difficult to get back once they’ve been collected. Cashier’s checks are guaranteed funds if a contractor says they don’t accept checks.</li><li><strong>Consider your choices:</strong> Reach out to multiple contractors for estimates. Analyze the specifics of the project, including materials, timeline, and cost. Utilize online reviews to gather insights from others; platforms like BBB and the Chamber of Commerce can be particularly helpful resources in this regard.</li><li><strong>Permits and Regulations:</strong> Make sure your contractors have the right permits for their work. Since permit fees are currently waived in several communities, there’s no reason for them not to get the necessary permits. This step helps guarantee that the work is done correctly and meets local regulations.</li><li><strong>Get Invoices and Receipts:</strong> Keep good records and never make final payment until the work is done and you’ve signed off on it.</li><li><strong>Report Suspicious Activity:</strong> If something seems strange, report it to the right people. This helps protect everyone.</li></ol><p>For a complete overview of how to recognize and avoid scams after natural disasters, as well as other related guidance, see <a href="https://consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-disasters">How to Avoid Scams After Weather Emergencies and Natural Disasters</a> (ftc.gov, 2024).</p>

Natural disasters can have a big impact on communities, including financial vulnerabilities. In this blog we help you navigate this challenging period and protect yourself from scams.

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Feb 26, 2024

The Importance of Emergency Funds for Gen Z

<p>Imagine this: you're part of Generation Z, a generation facing unique financial challenges in an ever-changing world. You're just starting your financial journey, but what happens when your vehicle suddenly breaks down and you have to pay for car repairs, you face unexpected medical bills, or perhaps you lose your job without warning? </p><p><img src="/images/default-source/blog-article-images/untitled-7.png?sfvrsn=e7f9bf1_1" style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;" sf-size="100" alt="" /><br /></p><p>These real-life scenarios can be a massive financial blow in the short-term, and that's where an emergency fund comes to your rescue.</p><h3>Defining Your Lifeline: The Emergency Fund</h3><p>So, what exactly is an emergency savings fund? It's not just for saving on rainy days; it’s money set aside specifically for unexpected expenses. It's your safety net, a financial cushion that offers peace of mind when life takes an unexpected turn. Not only does an emergency fund prevent you from sinking into debt, but it also helps you maintain financial independence during turbulent times.</p><h3>Here's why an emergency fund is a game-changer for Gen Zers:</h3><ul><li><strong>Financial Safety Net:</strong> In times of uncertainty, having an emergency fund acts as a vital financial safety net. Think of it as your financial cushion, easily accessible and ready to support you when unexpected challenges arise. An emergency fund provides peace of mind that you're well-prepared for life's unpredictable moments.</li><li><strong>Less Stress:</strong> Money problems are one of the leading causes of stress. Having an emergency fund can help you sleep better at night, knowing you have a financial buffer.</li><li><strong>Avoiding Debt: </strong>You might find yourself turning to credit cards or personal loans to handle unexpected expenses. This can set you on a path towards debt accumulation, potentially leading to a financial crisis.</li><li><strong>Financial Independence:</strong> With an emergency fund, you don't have to rely on others, apply for a loan, or go into credit card debt when you face financial crises. You're in control of your finances.</li></ul><h3>Building Your Emergency Fund: A Step-by-Step Guide to Start Saving</h3><ul><li><strong>Determine Your Goal:</strong> The first step is to set a realistic savings goal. While financial experts often recommend having at least three to six months worth of living expenses saved, aim for what feels comfortable to you in order to handle your costs of living.</li><li><strong>Open a Separate Savings Account:</strong> To prevent the temptation of dipping into your emergency fund for non-urgent expenses, consider opening a separate savings account. Metro Credit Union offers competitive <a href="/accounts/savings-accounts" target="_blank">savings account options</a> that can help you get started when you decide it’s time to build your emergency fund.</li><li><strong>Automate Your Savings:</strong> Set up an automatic transfer from your checking account to your emergency fund bank account. Start with an amount that won't disrupt your regular spending, and gradually increase it over time.</li><li><strong>Cut Unnecessary Expenses:</strong> Analyze your financial decisions and take a closer look at your spending habits. Identify areas where you can cut back on spending. You'd be surprised at how those little savings can add up over time.<ins cite="mailto:Microsoft%20Office%20User" datetime="2023-11-29T10:29"> </ins></li><li><strong>Windfalls and Bonuses:</strong> Whenever you receive a bonus, tax refund, or unexpected windfall, consider allocating a portion to your emergency fund. This accelerates your progress.</li><li><strong>Stay Consistent:</strong> Building an emergency fund takes time. Stay consistent and patient. The key is to make it a habit.</li></ul><h3>Why Choose Metro Credit Union</h3><p>At Metro Credit Union, we understand the importance of financial stability. We're not just your typical financial institution; we're your partner in achieving your financial goals. Here's how we can assist you:</p><h4>Savings Accounts</h4><p>We offer competitive interest rates on our <a href="/accounts/savings-accounts" target="_blank">savings accounts</a>, helping your emergency fund grow faster.</p><h4>Financial Education</h4><p>We provide <a href="/resources/save-and-succeed" target="_blank">resources</a> and guidance on financial literacy, helping you make informed decisions about your money.</p><h4>Personalized Support</h4><p>Our dedicated team is here to assist you at every step of your financial journey. Whether you're opening your first savings account, interested in using a <a href="/accounts/money-market" target="_blank">money market account</a> to build your emergency fund, or planning for a major financial goal, we're here to help.</p><h3>Start Preparing for Life’s Uncertainties Today</h3><p>In a world of financial uncertainty, an emergency fund stands as your safety net, ensuring tranquility and financial stability. As you embark on the journey to fortify your financial future, consider this – having an emergency fund isn't about pessimism; it's about being prepared for life's uncertainties. </p>

Gen Z faces unique financial challenges in an ever-changing world. Learn why an emergency savings fund is essential for young adults today, and how you can start saving with Metro today.

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Feb 26, 2024

The Benefits of a Credit Union for Young Adults

<p>As a young adult, you’re building your financial future and deciding where to keep and grow your money. When it comes to managing your finances, the choices can seem overwhelming. While big banks and online platforms get a lot of attention, credit unions offer strong advantages that are worth considering.</p><p>Credit unions offer more than a safe place to keep your money. They provide real advantages that support your financial growth, and they’re built to serve people, not profits.</p><p>Here’s how banking with a credit union like Metro can support your financial journey.</p><h3>Personalized Service</h3><p>Unlike big banks, credit unions are typically smaller and customer-centric, which means they prioritize service. As a member-owned credit union, our primary focus is serving our members' best interests. Our team is committed to delivering a seamless, customer-centric experience 24 hours a day, every day. Simply, we’re here for the benefit of the people who bank with us. That’s been our mission since day one. Credit unions offer a level of personalized service and banking experience that larger institutions simply can’t match.</p><h3>Better Interest Rates</h3><p>One of the most compelling reasons to consider Metro Credit Union is the possibility of better interest rates. Credit Unions are focused on serving their members, not shareholders. This means they often offer higher interest rates on saving products. Our savings accounts offer competitive returns, and our loan rates are designed to save you money overtime. </p><p>With market-leading rates, when you join Metro, you benefit from rates that make your money work for you. If you’re looking for better rates, lower fees, and more personalized service, a credit union like Metro may be the right fit.</p><h3>Community Involvement</h3><p><img src="/images/default-source/blog-article-images/elkhorn-parade-2023.png?sfvrsn=7a381646_1" sf-size="100" alt="" /></p><p>Credit unions are deeply rooted in the communities they serve. They prioritize community involvement and often support local initiatives, charities, and events. </p><p>We’re working to create a positive impact where it matters most, at your home. We proudly support local events and organizations that benefit the lives of our members and their families.  Being a part of this community involvement fosters a sense of belonging and shared values that extend beyond banking transactions. </p><h3>Mobile Convenience</h3><p>Managing your finances should be convenient and hassle-free. With Metro’s online banking tools, you have the freedom to do your banking anywhere, at any time. Our mobile app and online banking platform give you control over your everyday financial tasks on the go. </p><p>You can deposit checks, transfer funds to friends and family, pay bills, and track your spending from your smartphone or computer. You get the same convenience you'd expect from a big bank, paired with the personal service of a local team. Click here to learn <a href="/resources/blog/metro-blog/2024/06/24/how-to-get-started-with-metro-credit-union-s-online-banking-tools" target="_blank">How to Get Started with Metro Credit Union’s Online Banking Tools</a>.</p><h3>Financial Education</h3><p>Credit unions invest in your knowledge. Metro helps you make confident financial choices with access to tools, blogs, and programs that guide your learning. </p><p>Visit our Resources page at <a href="/home" target="_blank">Metrofcu.org</a> where you can find links to <a href="/resources/financial-calculators" target="_blank">financial calculators</a>, <a href="/resources/blog" target="_blank">blogs</a>, <a href="/resources/member-education" target="_blank">member education tools</a>, and <a href="/resources/save-and-succeed" target="_blank">Save and Succeed</a>, Metro’s personal finance program. </p><p>Our Save and Succeed program cover budgeting, saving, debt reduction, and credit management. You’ll find resources that help you build smart habits and stay on track. Complete tasks to collect "Sprouts," which you can exchange for entries into the $1,000 monthly sweepstakes. It’s a fun way to stay motivated while learning.</p><h3>START WITH THE RIGHT ACCOUNTS </h3><p>Metro makes it easy to open your first accounts. Start with a checking and savings account from Metro Credit Union to manage your money effectively.</p><h4>Checking Accounts: </h4><p style="margin-left:30px;">Choose our easy, no cost checking account to get started, or opt for one with all the bells and whistles if you’re interested in earning monthly interest or enjoying perks like free BillPay and cashier’s checks. Either way, every account at Metro allows you to manage your finances on the go with online banking and our mobile app.</p><h4>Savings Accounts: </h4><p style="margin-left:30px;">With just a $5 deposit, you become a Metro member, gaining access to all our products and services, including a variety of savings accounts federally insured by the NCUA.</p><h3>MAYBE THE BANK YOU'RE LOOKING FOR ISN'T A BANK AT ALL<sup>®</sup></h3><p>Choosing the right financial partner depends on what matters most to you. If you’re looking for better rates that help your money grow, lower fees, more personalized service, and local advantage, a credit union like Metro may be the right choice.</p><p>When considering your financial options as a young adult, don't overlook the unique benefits of credit union membership. Explore your options and see why more young adults are choosing credit unions over banks. Remember, check with Metro first for all your financial services needs.</p><p></p>

When it comes to managing your finances as a young adult, credit unions can sometimes be overlooked. In this blog, we'll explore the numerous advantages of credit unions membership for young adults.

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Feb 26, 2024

A Millennial's Guide to Financial Freedom with Metro Credit Union

<p>Taking control of your finances and working towards financial freedom can be a scary task, especially for millennials dealing with high debt and the rising cost of living. A big chunk of your earnings often goes straight to paying off student loans, leaving little room for savings. But fear not, we're here to help you every step of the way to secure your financial independence.</p><p>Our goal is to give you practical tips that make sense for millennials like you who want financial freedom. We get it – worrying about money is stressful. We are here to help you worry less by providing clear, easy-to-follow guidance to help guide you on your path to financial freedom.</p><p>In this guide, we'll share useful strategies to help you save money from handling student loans to managing unexpected expenses, giving you the tools you need to build a strong financial foundation. </p><h3>Know Your Current Net Worth</h3><p>Understanding your financial situation is crucial for effective money management. Forget about complex numbers like income, savings rate, and stock market investment returns for a moment. </p><p>The key figure to focus on is your net worth.</p><p>Net worth is like your financial report card, and it's not just for celebrities and businesspeople – even millennials should pay attention. Why? Because you can't take control of your finances if you don't know where you stand.</p><p>Here's a simple way to calculate your net worth: Add up the value of everything you own, like savings and investments (stocks, real estate/rental properties etc.). Then, subtract everything you owe, such as credit card balances, student loans, mortgages, and car debts. The difference is your net worth.</p><p>It's a straightforward equation: What you own minus what you owe equals your financial health. So, take a few minutes to figure it out – it's the first step toward mastering your money.</p><h3>Keep an Eye on Your Money</h3><p>Once you begin keeping tabs on your overall financial situation, the next step is to track where your money is going. This includes things like student loans, bills, groceries, entertainment, and more. It might not sound thrilling, but it's super important. </p><p>Knowing where your money is flowing matters even more than just budgeting. It's about being accountable and having a mindset of optimization. This perspective can really help you understand your spending habits. When it comes to spending, focus on things that genuinely matter to you, not what others value. Before making a purchase, ask yourself if it will benefit you in the long run.</p><p>Differentiate between needs and wants, especially in tight financial situations. This fosters financial responsibility and leads to significant improvements in your financial situation. Treat yourself occasionally for motivation but be cautious not to overspend. A well-planned budget helps control expenses and guides your money where it truly matters.</p><h3>Embracing the 50/30/20 Rule </h3><p>The <a href="https://www.forbes.com/advisor/banking/guide-to-50-30-20-budget/" data-sf-ec-immutable="">50/30/20 rule</a> simplifies the process by breaking down your income into three distinct categories.</p><img src="/images/default-source/blog-article-images/50-30-20-dark.png?sfvrsn=5722fab8_1" sf-size="100" alt="" /><h4>Essentials (50%)</h4><p>Devote half of your income to cover the necessities of life, including rent or mortgage, utilities, and groceries. By prioritizing these fundamental needs, you establish a stable foundation for your financial well-being.</p><h4>Personal Choices (30%)</h4><p>Allocate 30% of your income to personal preferences and lifestyle choices. This includes expenses related to entertainment, dining out, and other discretionary spending. This category allows you the flexibility to enjoy life without compromising your financial future.</p><h4>Savings and Debt Repayment (20%)</h4><p>The remaining 20% of your income is designated for savings and paying down debts. This crucial portion empowers you to build a financial safety net and work towards a debt-free future. Whether it's an emergency fund, retirement savings, or reducing outstanding debts, this allocation fosters long-term financial stability.</p><p>By embracing the 50/30/20 rule, you are not just budgeting; you are strategically directing your income to ensure a balanced and sustainable financial life. </p><h3>Building Credit Responsibly</h3><p>Building credit responsibly is not about accumulating debt; rather, it involves using credit wisely as a reflection of financial responsibility. This aspect is crucial for major life decisions and achieving financial goals, such as buying a home or securing a low-interest loan. To successfully build and maintain a healthy credit score, it's essential to understand the factors influencing your credit rating and follow effective strategies.</p><h3>Factors Influencing Your Credit Rating:</h3><h4>1. Timely Payment of Bills:</h4><p>Consistently paying bills on time, including credit cards, loans, and other obligations, demonstrates financial responsibility and reliability to lenders.</p><h4>2. Credit Utilization Ratio:</h4><p>Maintaining a low credit utilization ratio, the ratio of credit card balances to credit limits, indicates responsible credit management and positively impacts your credit score.</p><h4>3. Length of Credit History:</h4><p>A longer credit history provides more data for evaluating your creditworthiness, while closing old accounts may shorten your credit history.</p><h4>4. Types of Credit in Use:</h4><p>A diverse mix of credit types, such as credit cards, installment loans, and mortgages, positively influences your credit score, demonstrating the ability to manage various types of credit responsibly.</p><h4>5. New Credit Accounts:</h4><p>Opening multiple new credit accounts within a short period may be viewed as risky behavior, potentially impacting your credit score. It is crucial to exercise caution and mindfulness when applying for credit. The adverse effects of having an excessive number of accounts, particularly those carrying balances opened within a short timeframe, can substantially damage your credit. This impact is notably more significant than the 10% you may have saved on your purchase, especially when considering the higher rates, you could potentially incur elsewhere.</p><h4>6. Public Records and Collections:</h4><p>Bankruptcies, tax liens, and collections have a severe negative impact on your credit score, indicating financial difficulties.</p><h4>7. Credit Inquiries:</h4><p>Each credit inquiry, recorded on your credit report when applying for credit, can impact your score. Numerous inquiries within a short timeframe may be viewed negatively.</p><h4>8. Outstanding Debt:</h4><p>The total amount of debt owed, both in absolute terms and in relation to credit limits, is a crucial factor. High levels of debt may adversely affect your credit score.</p><h3>Building and Maintaining Credit:</h3><h4>1. Understand Your Starting Point:</h4><p>Obtain and review your credit report from major credit bureaus for accuracy. Address any discrepancies promptly.</p><h4>2. Establish Credit:</h4><p>If you have no credit history, consider options such as obtaining a secured credit card or becoming an authorized user on someone else's account to start building credit. Additionally, you can secure loans (possibly with a cosigner), explore share-secured loans, or take advantage of promotional loans like those offered by Metro.</p><h4>3. Diversify Credit Types:</h4><p>Explore various credit types to diversify your credit portfolio, positively influencing your score.</p><h4>4. Use Credit Responsibly:</h4><p>Avoid opening multiple new credit accounts within a short period to minimize the impact on your score.</p><h4>5. Monitor Your Credit Report:</h4><p>Regularly check for inaccuracies or suspicious activity, and promptly report and dispute any errors.  <a href="file:///Users/ConnorChilds/Library/Containers/com.apple.mail/Data/Library/Mail%20Downloads/6CFD1879-58DE-44FC-AA14-6D86096FC6C8/AnnualCreditReport.com" data-sf-ec-immutable="">Annual Credit Report</a> – is a free website where you can view your credit report (no scores, just credit reports) from each of the three major bureaus. In our area, the two primarily used are Experian and TransUnion. It's always advisable to review your credit reports every year or so to ensure there are no errors.</p><h4>6. Pay Off Outstanding Debts:</h4><p>Prioritize paying off outstanding debts, starting with high-interest accounts, contributing to a healthier credit profile.</p><h4>7. Be Patient and Persistent:</h4><p>Building a strong credit score takes time. Practice good credit habits consistently, and your score will gradually improve.</p><h4>8. Seek Professional Guidance if Needed:</h4><p>Consider seeking advice from a financial advisor or credit counseling agency for personalized guidance in challenging situations.</p><h4>9. Educate Yourself:</h4><p>Stay informed about credit-related topics and changes in credit laws to effectively manage your credit. Knowledge is a powerful tool in this process.</p><h3>Building Emergency Funds - Preparing for the Unexpected</h3><img src="/images/default-source/blog-article-images/auto-repair.png?sfvrsn=47041c85_1" sf-size="100" alt="" /><p>Life can throw curveballs, so having an emergency fund is like having a financial safety net. The goal here is to save enough to cover three to six months' worth of living expenses. Metro Credit Union makes it easy to set up a dedicated account for your emergency fund. This way, you can steadily build it up, and when unexpected expenses arise, you've got a financial cushion to fall back on.</p><p>To put it plainly, having an emergency fund is like having a superhero for your finances. And Metro Credit Union is your sidekick, making it simple and convenient to build and access your emergency fund when life takes an unexpected turn.</p><h3>Banking Smart with Metro Credit Union - Choosing the Right Partner</h3><p>Banking smart with Metro Credit Union is about more than just managing your money; it's about aligning with a financial partner that understands the unique needs and preferences of millennials. From high-interest savings accounts to flexible checking options and competitive loan products, we provide a comprehensive range of services designed to be a one-stop solution for all your banking needs. Our commitment to low fees ensures that you can maximize your savings potential, while our competitive loan rates make major purchases or financial milestones more affordable.</p><p>We go beyond the transactional aspect of banking; we prioritize a personalized approach that values you as more than just an account number. With our user-focused banking experience that includes online banking and mobile apps, we leverage technology to make managing your finances seamless and efficient. Moreover, our community-focused approach reflects a commitment to local values, ensuring that by banking with us, you contribute to an institution invested in and supportive of the community. </p><p>In essence, choosing Metro Credit Union means making a strategic move toward a banking partner that not only meets your financial needs but also aligns with your lifestyle and aspirations, ultimately empowering you to save, borrow wisely, and thrive financially.</p><h3>Final Thoughts on Achieving Financial Freedom</h3><p>Congratulations, you've reached the end of our millennial's guide to financial freedom! </p><p>By implementing these strategies and partnering with Metro Credit Union, you'll be well on your way to a brighter financial future. </p><p>Achieving financial stability at a young age is ideal and highly possible.  Remember you don’t have to live as cheaply as you can to save more. In many cases, making changes to your financial plan can help you gain better control of your financial future. Consistency is key. </p><p>Our comprehensive range of banking products and personalized services are designed to meet the unique needs of millennials like you. Feel free to reach out to our team for guidance or explore our website for more financial resources.</p>

Taking control of your finances and working towards financial freedom can be a tough task for millennials dealing with high debt and the rising cost of living we're here to help you every step of the way to secure your financial independence.

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Jan 29, 2024

Save and Succeed Giving You More Chances to Win Money Every Month

<h3>MONTHLY SWEEPSTAKES</h3><p><a href="https://save-and-succeed.metrofcu.org/dashboard/home" target="_blank" data-sf-ec-immutable="">Save and Succeed</a>, Metro’s personal finance program, that provides our members a wealth of financial wellness and educational content, has been refreshed to offer even more chances to win in their monthly $1,000 giveaways (two $500 drawings) by <a href="https://www.enrich.org/" data-sf-ec-immutable="">Enrich</a>!</p><p>In the past you had the opportunity to complete a monthly challenge, such as reading an article, or completing a survey or quiz, for a single entry into their monthly drawing. Now, you can earn added entries throughout the month by completing a variety of monthly and daily tasks.</p><p>Completing tasks earn you Sprouts, which you can then redeem for entries into the $1,000 monthly drawing. The more Sprouts you earn throughout the month, the more entries you can redeem for that month’s drawing.</p><br /><h3>TASKS</h3><p><a href="https://save-and-succeed.metrofcu.org/dashboard/home" target="_blank" data-sf-ec-immutable="">Save & Succeed</a> provides a list of monthly and daily tasks, all centered around a theme for the month, like budgeting, with the goal of providing you knowledge tailored to your specific needs and the tools to help you use that knowledge in your day to day life.</p><p>These tasks come in a variety of formats. </p><ul><li>Courses provide a deep dive into the monthly topic with informational videos, quizzes, practical exercises, and action plan creation.</li><li>Articles and videos provide education on the monthly theme, tips and tricks, and solutions to problems you may not have considered before.</li><li>Infographics have illustrated flowcharts and self-assessments to help you see where you stand, where your strengths lie, and what you may need to focus on to reach your financial goals.</li></ul><p>Each task, whether monthly or daily, will let you know how much time it will take to complete, giving you the freedom to grow at your pace with the time you have. More in depth tasks, like the courses, also earn you more Sprouts, which you can redeem for more entries in the $1,000 monthly sweepstakes drawings!</p><br /><p><img src="/images/default-source/news-images/save-and-succeed-revamp-blog-image114e4a40-a89e-4076-957b-99ffd143af41.png?sfvrsn=ba861aa5_1" style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;" sf-size="100" alt="" /></p><br /><h3>BEYOND THE SPROUTS</h3><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">In addition to the monthly sweepstakes and customized tasks, </span><a href="https://save-and-succeed.metrofcu.org/dashboard/home" target="_blank" data-sf-ec-immutable="" style="font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;white-space:inherit;">Save and Succeed</a><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"> has a huge catalog of information available to you at any time. Simply search by keyword to find easily accessible content on any financial topic you could want. You can add any content you find helpful to your favorites for easy access later, which also helps Save and Succeed tailor its suggested content to your needs and interests.</span></p><br /><h3>FINANCAL WELLNESS CHECKUP</h3><p>If you are new to <a href="https://save-and-succeed.metrofcu.org/dashboard/home" target="_blank" data-sf-ec-immutable="">Save and Succeed</a>, you will be asked to complete a financial wellness checkup after creating an account. This involves you rating a series of questions about how you feel about specific areas of your finances, along with selecting financial stressors and your goals to provide you with relevant courses, tools, articles, and programs to guide you to financial wellness.</p><br /><h3>IMPROVE YOUR FINANCIAL LIFE</h3><p>One of Metro Credit Union’s goals throughout our 70-year history has been to help improve the financial lives of our members. Partnering with Enrich to provide Save and Succeed is a part of realizing that goal. The wealth of information they offer and the easily digestible way it’s presented can be a resource for everyone, regardless of your current financial situation and goals. We hope you take advantage of this free service and wish you luck on the monthly sweepstakes drawings!</p>

Save and Succeed, Metro’s personal finance program, that provides our members a wealth of financial wellness and educational content, has been refreshed to offer even more chances to win in their monthly $1,000 giveaways by Enrich!

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Jan 24, 2024

Looking for the Best Auto Loan Rates in Omaha: Check with Metro First

<p>Looking to buy a car? Congratulations! Now, let's talk about the money part. Securing a low-interest car loan is just as important as finding the right vehicle. When it comes to financing your new car, you have several options: dealerships, banks, or credit union. In this blog, we'll simplify your options—outlining why credit unions like Metro are your best choice or auto loan financing in Omaha, Nebraska.</p><p>While car buyers often focus on finding the perfect vehicle, it's crucial to consider how you'll fund the purchase. Your car is a significant investment, potentially the second largest after a house, so the monthly payment, term, and interest rate are all important considerations. We want to help you make the best financial decision for your situation, whether you're upgrading or getting your first set of keys. </p><h3>Tips for Finding the Best Car Loan Rates:</h3><h4>Check Your Credit Score</h4><p style="margin-left:30px;"><strong></strong>Before applying for an auto loan, know where your credit history stands. A higher credit score can open doors to better interest rates.</p><h4>Compare Rates</h4><p style="margin-left:30px;"><strong></strong>Don't settle for the first quote you receive. Shop around and compare interest rates and terms. For market-leading auto loan rates, make sure to check with Metro first.</p><h4>Consider the Total Cost</h4><p style="margin-left:30px;"><strong></strong>Interest rates are crucial, but so is the total cost of the loan. Factor in any fees, penalties, or added costs to get a clear picture.</p><h3>Why Choose Metro Credit Union for Your Auto Loan?</h3><h4>Low Rates, High Satisfaction</h4><h5 style="margin-left:30px;">Competitive Rates</h5><p style="margin-left:30px;"><strong></strong>At Metro Credit Union, our auto loan rates aren't just competitive; they're market-leading.  <a target="_blank" href="/loans/loan-rates">Check loan rates out,</a> and you'll be pleasantly surprised. At Metro, we give borrowers the best deal they qualify for right from the start. Our rates aren’t marked up either, so there’s no need to “negotiate” like you may have to with others. </p><h5 style="margin-left:30px;">Customer Satisfaction</h5><p style="margin-left:30px;"><strong></strong>Our customers, or members, are more than just account numbers. We're invested in your satisfaction, ensuring a smoother car-buying experience.</p><h4>Flexible Terms</h4><h5 style="margin-left:30px;">Tailored Solutions</h5><p style="margin-left:30px;"><strong></strong>Life is unpredictable, and so are your financial needs. With flexible repayment terms, we ensure your loan fits seamlessly into your budget.</p><h5 style="margin-left:30px;">No Hidden Fees</h5><p style="margin-left:30px;"><strong></strong>We're transparent about our terms and fees, so you'll know exactly what to expect.</p><h4>Community-Centered Experience</h4><h5 style="margin-left:30px;">Easy to Join</h5><p style="margin-left:30px;"><strong></strong>Credit unions, like Metro Credit Union, are community focused financial institutions. Joining the credit union is often easier than signing up for a streaming service!</p><h5 style="margin-left:30px;">Personalized Service</h5><p style="margin-left:30px;"><strong></strong>At Metro Credit Union, we're all about tailoring our auto loans to fit your financial journey.</p><h5 style="margin-left:30px;">Local Touch</h5><p style="margin-left:30px;"><strong></strong>Being a part of Metro Credit Union means supporting your local community. We serve Omaha area residents with competitive car loan options that make financing stress-free.</p><h5 style="margin-left:30px;">Financial Education</h5><p style="margin-left:30px;"><strong></strong>Unsure about car loans and the application process? Our resources and team can guide you through the twists and turns of auto financing. Dive into <a href="https://save-and-succeed.metrofcu.org/" target="_blank" title="https://save-and-succeed.metrofcu.org/?__sm.tabid=3lm94slzhp8&__sm.accesstoken=eyj0exaioijkv1qilcjhbgcioijfuzi1niisimtpzci6ijhlywflnzfklwq2mditngywnc1izwq3ltrjntiymwnlmjdmysj9.eyjpyxqioje2otk5mdaxmjysimv4cci6mtcwmtewotcyniwiaxnzijoir2xpysbtaxrlifzpc2l0b3i" data-sf-ec-immutable="">"Save and Succeed"</a>, Metro Credit Union's personal finance program featuring mini-courses designed to enhance essential money management skills. Answer a few questions and get personalized recommendations for valuable personal finance resources.</p><h4>Fast and Simple Auto Loan Process</h4><div><p style="margin-left:30px;">Applying for an auto loan should be quick and hassle-free. At Metro Credit Union, we offer a fast car loan approval process, ensuring minimal wait times and clear guidance from start to finish. Borrowers can apply online, visit a local branch, or connect with a loan specialist to discuss options.</p><p style="margin-left:30px;"><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Our car loan options allow buyers to shop with confidence, knowing exactly how much they qualify for before selecting a vehicle. Competitive fixed auto loan rates provide stability, helping members secure financing that fits their budget without worrying about fluctuating interest.</span></p></div><div></div><h3>Finding the Best Car Loan Rates</h3><p>Finding the best car loan rates in Omaha is more than just about numbers; it's about finding a financial partner that suits your needs.</p><p>When it comes to finding the best auto loan rates in Omaha, the choice is clear: Metro Credit Union. We offer competitive rates, personalized service, and a commitment to helping you drive away with confidence.  <a target="_blank" href="/about-us/contact-us">Get in touch</a> with us today, and let's turn your dream car into reality!</p>

Looking to buy a car? Learn why you should Check with Metro First to find the best rates, terms, and service.

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Dec 29, 2023

Homeownership with Metro Credit Union's Mortgage Services

<p>Achieving the dream of homeownership is a significant milestone, and at Metro Credit Union, we understand the importance of this journey. With more than 70 years of experience in the mortgage lending industry, we are dedicated to making homeownership accessible for our members.  Our mission goes beyond offering an array of mortgage products; it's about providing the personalized assistance you deserve.<br /></p><img src="/images/default-source/blog-article-images/homeowner-blog-interiord020b96f-abb5-4f38-97db-7da69200cfcb.png?sfvrsn=e4f66dda_1" sf-size="100" alt="" /><h3>A Wide Variety of Mortgage Options</h3><p> Whether you're a first-time homebuyer or considering refinancing your current home, Metro Credit Union has the perfect solution for you. Our expert mortgage staff is committed to guiding you at every step, ensuring that you receive the knowledge and support you need throughout the home buying process.</p><h3>Transparent and Competitive Rates<br /></h3><p>Mortgage loans involve several factors, such as closing costs, interest rates, and the loan's duration. With Metro Credit Union, you can rely on transparent and competitive rates, allowing you to select a loan with an interest rate that aligns with your budget. We offer a choice between the stability of a fixed-rate mortgage and the flexibility of an adjustable-rate mortgage (ARM) to cater to your specific preferences.</p><h3>Customized Loan Amounts and Financial Planning<br /></h3><p>Understanding the role of monthly mortgage payments in your financial planning is essential. Our <a href="/loans/mortgage-loans" target="_blank">mortgage team</a> will collaborate with you to determine a loan amount that suits your financial needs while helping you understand the overall cost of the loan, including associated fees or discount points.</p><h3>Insight to Credit Scores and Loan Types<br /></h3><p>Your credit score is a crucial factor in obtaining a mortgage loan. If you have questions or concerns about your credit score, our team can provide insight to understanding its impact and improving it if necessary. We offer various loan types, including FHA, VA, and conventional mortgages, as well as second mortgages and home equity loans to accommodate your unique situation.</p><h3>Your Trusted Mortgage Lender<br /></h3><p>At Metro Credit Union, we believe in providing a level of personalized service that sets us apart. We are committed to helping you make informed decisions throughout your home buying journey. Our mortgage team is here to assist you in finding the right mortgage loan for your dream home.</p><p>Ready to take the first step toward homeownership? <a href="/loans/mortgage-loans" target="_blank">Click here to learn more about our mortgage services</a> and get in touch with our mortgage team. Your dream home is within reach with Metro Credit Union by your side.</p>

Explore a range of mortgage options tailored to your needs, backed by over 70 years of lending experience. We provide transparent rates and expert guidance throughout your homeownership journey.

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Dec 19, 2023

Annual Membership Meeting

<h3>Saturday, March 9, 2024</h3><div>Each year Metro holds an Annual Meeting open to all members of the Credit Union. The 2024 Annual Meeting is currently planned for Saturday, March 9, 2024, at 9:00 a.m. at the Marriott Regency Hotel in Omaha. This year’s Annual Meeting will include only the business meeting, no meal or door prizes, and reports as required in the Credit Union’s bylaws. There is no cost to attend but please call 402-551-3052 to reserve a seat. </div><div><br /></div><div>Each year, three directors are elected to the Credit Union Board. In 2024, three incumbents, Directors Tim Lonergan, Michael “Mick” Connolly, and Bob Nelson have each expressed a desire to serve an additional term and have been nominated to do so by the Nominating Committee. In accordance with our bylaws, nominations from the floor are not permitted. When the number of candidates equal the number of open positions, no ballot election will be held.</div><div>Current Metro members in good standing who have an interest in running for the Board after the Nominating Committee has submitted a slate of candidates may do so by submitting a petition signed by 1% of current members (approximately 440 as of writing), along with a statement of qualification and biographical information. This petition must be submitted to the Nominating Committee by January 24, 2024.</div><div><br /></div><div><p>Metro Credit Union Directors serve as uncompensated volunteers elected from the membership to three-year terms. Directors are required to attend meetings at least monthly and be available for possible Committee assignments, special meetings, and trainings throughout the year.</p><p> </p><h3>Volunteer Director Biographies</h3></div><p><img src="/images/default-source/blog-article-images/tim-lonergan.png?sfvrsn=7adb7cf6_1" style="float:left;margin-right:20px;margin-bottom:20px;" sf-custom-thumbnail="true" width="350" class="-align-left" sf-constrain-proportions="true" sf-size="100" alt="tim lonergan incumbant member for 36 years" /></p><p>Tim Lonergan has served as a volunteer on the Metro Credit Union Board of Directors for 27 years, and currently holds the position of Treasurer. “I have been fortunate to serve on the Board during a time of tremendous growth, both in offices and services to members. I am proud to have helped protect member rights by representing Metro Credit Union in Washington D.C. and in Lincoln with the Nebraska Legislature.” “The Credit Union has a great team of volunteers which compliments an equally talented staff. I am also very proud of how the Credit Union navigated through a troubled economy and is positioned for the future.” Tim has run for both the Nebraska Legislature and the Omaha City Council and has served on the Metropolitan Community College Board of Governors. Tim and his wife, Marilou, are proud parents of seven children, all of which are Metro Credit Union members. Tim is a graduate of the University of Nebraska at Omaha, holding a bachelor’s degree in General Education, Special Education and History. Tim is a US Coast Guard/Navy Veteran with 24 years of service. Currently, Tim is the President of Lonergan Lawns and Lonergan Vending. “I would be honored to continue serving as a volunteer Board member.”</p><p><img sf-constrain-proportions="true" sf-custom-thumbnail="true" sf-size="444164" style="float:left;margin-right:20px;margin-bottom:20px;" src="/images/default-source/blog-article-images/mick-connolly.png?sfvrsn=fd88d3ef_1" width="350" class="-align-left" alt="j. michael " />J. Michael “Mick” Connolly currently serves as Secretary of Metro’s Board of Directors. During his 27 years of volunteer service to Metro, Mick has also served as Chairman and Vice Chairman of the Board and Chairman of Metro’s Supervisory Committee. Mick retired from a more than four-decade career in accounting, finance, and banking in 2014. Mick spent the early part of his career in the financial services industry before specializing in accounting and finance. Mick became versed in all aspects of accounting and finance working as an auditor, controller, accounting manager, and most recently as Senior VP and Chief Financial Officer at a local non-profit. Mick has long been a proponent of credit union services, and specifically for Metro Credit Union. Since joining Metro in 1988, Mick has been active both as a member and a volunteer. “I have enjoyed and valued the opportunity to serve our members and represent them as a volunteer director. Having spent my career involved in accounting and finance, I take our responsibility to act as stewards on behalf of our members very seriously. I have continued to be involved as a volunteer for more than two decades now because this organization’s priority has always been to provide members with the best possible services while operating in a safe and sound manner. I am especially proud of how Metro has weathered different economic storms, from the financial markets collapse and Great Recession to a pandemic. Our Credit Union has always prioritized long-term safety and soundness in our Risk Management policies, and as a result we have been well-positioned to meet external environmental challenges. I look forward to continuing to provide encouragement and support to our employees, and superior service to our members in the future.”</p><img sf-constrain-proportions="true" sf-custom-thumbnail="true" alt="bob nelson incumbent member for 47 years" sf-size="100" src="/images/default-source/blog-article-images/bob-nelson.png?sfvrsn=691c8c0a_1" width="350" class="-align-left" style="float:left;margin-right:20px;margin-bottom:20px;" /><p>Bob Nelson rejoined the Board in 2013 after a brief hiatus. He served as Metro Board Chairman from 1984 to 2007. Bob began his volunteer service in 1977 with UNMC Employees FCU Board, when he was employed at Clarkson Hospital as Director of Human Resources, and later moved to the Nebraska Health System (now Nebraska Medicine). During his time on the Board, Bob was involved in the merger of UNMC Employees and Safeway Employees Credit Union into Metro Credit Union in 1982. He played a leadership role in the selection and hiring of previous CU President Elaine Mausbach, and current CU President Mike McDermott. Bob also worked to secure Metro’s second and third offices at Saddle Creek Road and Maple Street. In looking back on his years of service, Bob said, “The changes the Credit Union has gone through since the merger in 1982 are truly remarkable. We went from one office and no checking accounts, ATMS or drivethrus to one of the more highly respected financial institutions in Omaha. When I started, the Credit Union served 700 members. We’ve grown to service more than 44,000. I feel blessed to have been associated with so many outstanding members, employees and volunteers over the years at Metro, and I would like to continue that service for three more years.” Bob is a long-term dedicated credit union member who enjoys spending time with his grandchildren and his dog Kona. </p>

Get the details of our 2024 Annual Meeting and read the biographies of Metro's Volunteer Board of Directors up for reelection at that time.

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Dec 19, 2023

ITMs to Open in Central & West Omaha

Metro is pleased to announce that we plan to open two new free standing ITMs in January 2024.

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Dec 19, 2023

Working Together to Protect Against Bank Fraud

<div><p>With the hustle and bustle of the holiday season upon us, now’s not the time to let your guard down when it comes to protecting your personal information. Unfortunately, fraudsters don’t take time out to wish others good tidings and cheer. Just the opposite. They’re hoping to strike while we’re distracted and focused on spending time with family and friends.</p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">In this article, you’ll learn about some of the most common fraudulent activities we’re seeing today, how you can spot them, and ways we can work together to prevent them from ruining the season.</span></p></div><div><h3>Impersonating a credit union employee</h3><div><p>Recently fraudsters impersonating credit union employees called several members requesting their online banking credentials (username, password, and multi-factor authentication or MFA code). Unfortunately, the fraudsters were able to use the credentials shared with them to transfer funds out of the members’ accounts.</p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">In this instance, it’s important to note that Metro Credit Union will never call you asking for your online banking credentials. If you get a call like this, hang up and immediately call the credit union at 402-551-3052. That’s the first step to working together to protect your information and money. Again, we will never call you and request credentials.</span></p></div><div><h3>Letting someone else do your banking</h3><div><p>Another way fraudsters take advantage of distracted or vulnerable consumers is by convincing them it’s okay for others to log in to their online banking accounts. Just like you should not share your credentials over the phone, you should never let anyone log into your account. </p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Similarly, you should not let anyone else deposit a check into your account. These activities are red flags and should be cause for concern. If you find yourself in either of these situations, reach out to the credit union or a trusted family member.</span></p></div><div><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Finally, don’t let someone else have your debit card or PIN. There is never a good reason to share either.</span></p></div><div><h3>Accepting help you didn’t request</h3></div><div><p>When it comes to online fraud, it’s a good rule of thumb to never accept help from someone claiming to be calling from your computer manufacturer, antivirus company, or local tech shop. These fraudsters are known to call unsuspecting consumers warning you of a fictitious issue with your computer that needs to be fixed immediately. Their goal is not to help you, rather they are hoping to gain access to your computer so they can pull data, including usernames, passwords, and credit or debit card information, from sites you’ve recently visited.</p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Reputable businesses will not call you asking for this information. Never give information to incoming calls without verifying who is reaching out.</span></p></div><div><h3><span style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Trusting someone you don’t know who wants to be friends</span></h3></div></div><div><p>We’ve all heard the adage “If it sounds too good to be true, it probably is.” Often that’s the case when it comes to fraudsters. Whether it’s someone pretending that they want to date you or asking you to send money so they can come to the U.S. to see you, it’s important to remember that fraudsters have their own best interests in mind, not yours. They’re not interested in you; they’re interested in stealing your money. Don’t let them.</p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">A related scam we’ve seen lately is fraudsters reaching out to individuals telling them that they will be getting funds deposited into their account or a VISA gift card. The fraudsters will then ask you to return the funds. This is undoubtedly a scam, and you’ll be out the money. Again, if you find yourself in this situation, reach out to the credit union. </span></p></div><div><h3>Leaving outgoing mail in your mailbox</h3></div><div><p>We’ve also seen and heard an uptick in outgoing mail being taken from home mailboxes. While it may seem convenient to leave outgoing mail in your mailbox, it’s also easy for thieves to take it when you’ve raised the flag as a signal to your postal worker.</p><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Avoid the blue boxes and take the extra step to drop off your outgoing mail – especially personal checks – at your local post office. Better yet, a cashier’s check or money order is always a good option as these forms of payment do not have personal account information on them. </span></p></div><div><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">These options significantly reduce the risk of your mail falling into the hands of fraudsters.</span></p></div><div><p>Working together, we can help to stop fraudsters in their tracks now and throughout the coming year. Taking quick action and remembering to stay aware of these common tactics will help lessen the impact of fraud for you and the credit union. Never hesitate to reach out to us at 402-551-3052 if you’re confronted with one of these likely fraudulent scenarios. We’re here to help keep you safe!</p></div><p> </p></div>

Fraudsters aren't taking time out to wish others good tidings and cheer. They’re hoping to strike while we’re distracted and focused on spending time with family and friends. Learn how to protect yourself from the current scams being reported.

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Dec 18, 2023

Safeguarding your packages: Essential Safety Tips from Metro

<p>In our fast-paced world, home deliveries have become indispensable. Whether you're expecting important documents, valuable items, or everyday essentials, these deliveries are vital. However, with the ease of online shopping, safeguarding your packages, as well as your mail, is more critical than ever.</p><p>At Metro Credit Union, we prioritize the safety and security of our members. Here, we provide essential tips to safeguard your packages and mail year-round.</p><h3>1. Secure Your Packages</h3><p>The surge in online shopping has led to a surge in package deliveries directly to doorsteps, making them attractive targets for opportunistic thieves. To protect your packages, consider secure delivery options like requiring a signature upon delivery, using parcel lockers, or having packages sent to your workplace.</p><h3>2. Install a Security Camera</h3><p>Investing in a home security camera can deter potential thieves. Even the presence of a visible camera can act as a strong deterrent, even if no incidents occur.</p><h3>3. Use Package Tracking</h3><p>Online package tracking provides you with precise delivery information. This enables you to plan to be home when packages arrive or have a trusted person collect them on your behalf.</p><h3>4. Consider Package Insurance</h3><p>Some delivery services offer package insurance, providing financial protection in case of theft or damage.</p><h3>5. Retrieve Your Mail Promptly</h3><p>Thieves often target unattended mailboxes in search of valuable information or items. Cultivate the habit of checking your mailbox daily. Prompt retrieval minimizes the window of opportunity for potential thieves.</p><h3>6. Avoid Leaving Outgoing Mail in Your Mailbox</h3><p>While it may seem convenient to leave outgoing mail in your mailbox, it's also convenient for thieves, especially when you've raised the flag to signal outgoing mail. Take the extra step to drop off your outgoing mail at your local post office or use secure mail drop-off locations. This significantly reduces the risk of your mail falling into the wrong hands.</p><h3>7. Shred Sensitive Documents</h3><p>Dispose of mail holding sensitive information, such as bank statements or credit card offers, by shredding them. This makes it significantly more challenging for identity thieves to misuse your personal information.</p><h3>8. Build Strong Neighborhood Connections</h3><p>Maintaining a good relationship with your neighbors can be invaluable for the security of your mail and packages. Look out for one another and communicate when you'll be away, so someone can keep an eye on your property.</p>

Essential tips to safeguard your packages and mail this holiday season and year-round.

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Dec 18, 2023

IRAs Can Shape Your Financial Future

<p>In the pursuit of a strong financial future, one tool that deserves your attention is the Individual Retirement Account, better known as the IRA. We will delve into the world of IRAs and how they can play a pivotal role in shaping your financial future.</p><h3>Tax Advantages and the Versatility of Different Types of IRAs<br /></h3><p>Have you ever heard the adage "Don't put all your eggs in one basket"? IRAs exemplify this wisdom. IRAs come in various forms, each offering distinct tax benefits and flexible features. The three primary types include Traditional and Roth IRAs, and Coverdell Education Savings Accounts (ESAs).</p><h3>Traditional IRA vs. Roth IRA<br /></h3><p>Traditional IRAs enable you to contribute with pre-tax dollars, potentially reducing your current tax liability. In contrast, Roth IRAs utilize post-tax contributions, allowing for tax-free withdrawals during retirement. The flexibility in contributions and withdrawals offered by these IRA types grants you the freedom to align your savings strategy with your financial goals at various life stages.</p><h3>Education Savings Account (ESA)<br /></h3><p>An ESA, formerly known as an education IRA, serves as a tax-advantaged investment account for higher education. This educational savings vehicle permits parents and guardians to make nondeductible contributions to an education IRA for a child under the age of 18.</p><h3>IRAs in Retirement Planning and Complementary Savings Strategies<br /></h3><p>As the years go by, retirement planning becomes more critical than ever. IRAs form an integral part of saving for retirement. They work in harmony with other retirement savings vehicles like 401(k)s and pensions, enhancing the diversification of your financial safety net.</p><p>Imagine combining the potential of your workplace 401(k) with the tax-free growth of a Roth IRA. The synergy between these long-term investment strategies could mean the difference between a comfortable retirement and one with financial stress.</p><h3>Why Choosing a Credit Union for an IRA is a Good Idea<br /></h3><p>Now, why opt for a credit union as your IRA custodian? The answer lies in the community-focused approach that credit unions bring to the table. Unlike traditional banks, Metro Credit Union prioritizes our members' financial well-being. We bring that personal touch that bigger banks often lack. You'll find lower fees, competitive interest rates, and personalized service that's designed to suit your needs.</p><p>Being a part of a credit union creates a sense of belonging, making your financial journey a shared experience rather than a solitary endeavor. Choosing a credit union means placing your trust in an institution that genuinely cares about your financial success.</p><h3>Secure Your Financial Future with IRAs from a Local Credit Union<strong></strong><br /></h3><p>If you think about financial planning, IRAs are the tailored solution you need. It binds together tax advantages, flexibility, and the promise of a secure retirement.</p><p>As you explore your IRA options, consider the profound benefits a credit union can offer.</p><p>With a member-focused approach, competitive rates, and a sense of community, credit unions align perfectly with the spirit of securing a stable financial future. Start your journey today, and let IRAs shape the path to your financial success.</p><p> </p><p><em>Note: Consult with a qualified tax advisor for specific details on the tax benefits of IRAs, as well as for information regarding IRA and 401(k) contribution limits and required minimum distributions (RMDs).</em></p>

Delve into the world of IRAs and how they can play a pivotal role in shaping your financial future.

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Dec 18, 2023

Certificates vs. IRAs: Making Informed Choices with Metro Credit Union

<p>When it comes to securing your financial future, you're presented with several savings options. Two of the most popular choices are Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs). Metro Credit Union offers both savings tools, and we're dedicated to helping you understand the distinctions between them and their vital role in a well-rounded financial strategy. Certificates and CDs are similar products. Banks offer CDs, whereas Federal Credit Unions, like Metro, offer Certificates.</p><h3>Certificates</h3><p>Certificates offer a secure and reliable method for growing your wealth over time. By choosing a Metro Credit Union Certificate, you commit to leaving your funds untouched for a specified period, known as the "term."</p><p>During this interval, your money earns interest typically higher than regular savings accounts. Here are some key advantages of opting for a Certificate deposit account with us:</p><ol><li><strong>Safety: </strong>Members’ balances are protected by the National Credit Union Administration (NCUA), with insurance coverage extending up to $250,000 for each individual depositor. For additional information about standard share insurance, see the <a href="https://ncua.gov/files/publications/guides-manuals/NCUAHowYourAcctInsured.pdf" data-sf-ec-immutable="" target="_blank">NCUA’s How Your Accounts are Federally Insured booklet</a>.</li><li><strong>Competitive Rates:</strong> Certificates are offered at competitive rates with a fixed interest rate, guaranteeing a predictable and stable return on your savings by the end of the term.</li><li><strong>Flexible Terms:</strong> We offer a range of Certificate terms to accommodate your financial goals, whether you are saving for several months or years.</li></ol><h3><strong>Individual Retirement Accounts (IRAs)</strong></h3><p>IRAs are potent tools for constructing a secure retirement fund. At Metro Credit Union, we provide both traditional and Roth IRAs, each with their unique advantages. Here's why opening an IRA account with us is a wise decision:</p><ol><li><strong>Safety:</strong> IRAs are insured for up to $250,000 by the National Credit Union Administration (NCUA). This coverage is separate from, and in addition to, the $250,000 of coverage on other types of depository accounts.</li><li><strong>No Fees: </strong>Our IRAs come with no associated fees, ensuring you can make the most of your investments.</li><li><strong>Quick and Convenient Withdrawals:</strong> Easily access your funds when needed, providing a convenient and hassle-free experience.</li><li><strong>Tax Advantages: </strong>Traditional IRA contributions are made with pre-tax dollars and may be tax-deductible, lowering your current-year taxable income. Contributions to a Roth IRA are made with after-tax dollars, but withdrawals in retirement are tax-free. Consult with a qualified tax advisor for specific details on the tax benefits of IRAs.</li><li><strong>Long-Term Growth: </strong>IRAs permit your investments to grow tax-deferred or tax-free, depending on the type of IRA. This can substantially boost your retirement savings over time.</li></ol><p>Metro members have the option to open regular IRA savings or money market accounts. Additionally, you can explore certificate-based IRAs. Consequently, for certain individuals, the optimal choice may entail both a certificate and an IRA, as it aligns with your short or long-term savings goals and preferences.</p><h3><strong>Why Choose Metro Credit Union for Certificates and IRAs</strong><strong></strong></h3><ol><li><strong>Member-Centric Approach:</strong> As a member-owned credit union, our primary focus is serving our members' best interests. Your financial well-being takes precedence above all else.</li><li><strong>Competitive Rates:</strong> We offer competitive interest rates on both Certificates and IRAs, ensuring your money grows at a rate that may outpace inflation and accelerates your path toward financial goals.</li><li><strong>Personalized Guidance:</strong> Our experienced staff is here to assist you in making informed decisions for your financial future. We'll help you determine which option – Certificate, traditional IRA, Roth IRA, or a combination – aligns with your unique needs and aspirations.</li><li><strong>Security and Trust:</strong> With a long history of serving our community, Metro Credit Union is a trusted financial institution. You can have confidence that your money is in secure hands.</li></ol><p>Whether you're looking for a short-term savings option or planning for retirement, Metro Credit Union has you covered with our Certificates and IRAs. These financial tools are designed to help you grow your wealth, secure your future, and achieve your financial dreams.</p><p>Contact us today to get started on your path to financial success. It’s simple: best rates, neighbor focused. Check with us first!</p><h3><a target="_blank" href="/accounts/savings-rates">Click here to see the current rates on all our savings products!</a></h3>

When it comes to growing your savings, two of the most popular choices are Certificates and IRAs. Learn how these secure and reliable products can benefit you in this post.

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Dec 18, 2023

Protecting Yourself from Scams

<p>Remaining vigilant against evolving scams is imperative. Scammers employ advanced tactics to exploit the unaware, emphasizing the need for knowledge to thwart their attempts. Scams encompass diverse forms like phishing, fake sites, deceptive calls, and investment ploys. Our article highlights emerging scams, enhancing your ability to preemptively identify and evade potential threats. </p><h3>Taking Practical Steps: Safeguarding Your Digital Presence</h3><ul><li><strong>Knowledge Empowers, Action Protects: </strong>Learn actionable steps to secure your digital presence.</li><li><strong>Strong Passwords: </strong>Create and use unique, robust passwords for each account. </li><li><strong>Two-Factor Authentication: </strong>Strengthen security with an additional layer of verification.</li><li><strong>Financial Account Monitoring: </strong>Regularly review and track your financial accounts.</li><li><strong>Stay Ahead of Scams: </strong>Equip yourself to prevent scams and online threats.<br /></li></ul><h3>Stay Alert: Guard Against Malicious Popups</h3><br /><p>Picture this: You're working on your computer and, suddenly, a popup appears out of nowhere with alarming warnings. These popups claim that your device is compromised and urge you to call a certain number or click on a link for help. But here's the catch: these popups are often part of a malicious scheme.</p><p>Once you fall for the bait and make that call or click that link, you might end up talking to someone who claims to be from tech support or even law enforcement. Don't be fooled – they're scammers trying to take advantage of you. These cybercriminals engage in social engineering tactics to manipulate you into sending them money or making transfers, usually to LLC accounts.</p><h3>The Elaborate Deception</h3><br /><p>These scammers may try their best to convince you that you're part of a top-secret operation. They tell you a story about being involved in a covert mission to nab other criminals. They stress the importance of secrecy, making you believe that revealing anything could compromise the entire operation.</p><h3>Why It's So Convincing</h3><p>They're skilled at coaching you on what to say and how to respond. They've even managed to trick some victims into thinking they're assisting in a genuine law enforcement sting operation. This makes it hard for both financial institutions and real law enforcement to intervene effectively.</p><h3>Our Advice to You</h3><br /><p>Staying cautious is key. If you encounter a suspicious popup or receive a warning that seems too urgent to be true, take a step back. Remember these tips:</p><ol><li><strong>Stay Calm:</strong> Don't let fear drive your actions. Take a deep breath and evaluate the situation calmly.</li><li><strong>Verify Sources:</strong> Reach out to legitimate sources if you're unsure about a warning's authenticity. Use official contact details from trusted websites or official documentation.</li><li><strong>Don't Share Sensitive Information:</strong> Never share personal or financial details with anyone who contacts you unexpectedly, even if they claim to be from a reputable organization.</li><li><strong>Hang Up, Don't Click:</strong> If you receive a call or popup that seems suspicious, hang up the call and close the popup. Don't engage further.</li><li><strong>Contact a computer support professional: </strong>These popups can be a result of a virus or malware installed on your computer and could cause long-term difficulties if not addressed. There are several local and national companies that offer licensed tech support services.</li></ol><p>Your online safety matters to us, and we're here to help you navigate these digital challenges. Stay informed, stay vigilant, and remember – Metro Credit Union is always here to support you on your financial journey.</p>

Remain vigilant against evolving scams by empowering yourself with knowledge of how they work and how to protect yourself against them.

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Dec 18, 2023

10 Things for Gen Z to Consider When Choosing a Bank or Credit Union.

<p>When you're just getting started with your finances, where you choose to bank matters. The right choice can help you build good habits, reach your goals faster, and feel secure about your money. At Metro Credit Union, we help young members like you make smart financial decisions from the start. We want you to feel informed, supported, and set up for financial success.</p><p>Here are the top 10 things Gen Z consumers should consider when choosing a bank or credit union:</p><h3>1. Technology and Mobile Apps</h3><p><strong></strong>We know that younger generations are tech-savvy, and so are we! Look for a bank or credit union with user-friendly online banking and a mobile app that lets you manage your money on the go. Managing your finances should be simple. Metro’s online banking tools let you access your accounts anytime, anywhere, making banking efficient and secure, even on weekends and late nights. With our <a target="_blank" href="/services/online-banking">mobile app</a>, you can manage your everyday financial tasks from your smartphone without visiting a branch.</p><h3>2. Interest Rates and No Hidden Fees</h3><p>Another important thing to consider when choosing a bank or credit union is if the financial institution keeps things simple, with no surprise fees or hidden costs. As a not-for-profit, Metro Credit Union reinvests earnings into better rates, lower fees, and personalized service. We’re transparent about how we operate, with competitive savings returns and loan options that help you save overtime. If you want more value from your money and service that puts your needs first, check with Metro first.</p><h3>3. Community Involvement</h3><p><strong></strong>Consider a bank or credit union that actively gives back and supports the community. As a community-centric institution, our commitment goes beyond everyday banking. We're here to serve your best interests and make a meaningful impact on the people who bank with us. Through financial tools, education, and assistance, we invest our time and resources into organizations that directly benefit the lives of our neighbors.</p><h3>4. Online Banking Security</h3><p>When choosing a financial institution, make sure they use the latest security measures to protect your personal and financial information. Metro Credit Union takes fraud prevention and security seriously. Our online banking has effective security measures like multi-factor authentication, biometric access, and encryption protocols to protect your data and transactions. Visit our <a target="_blank" href="/services/fraud-protection">fraud protection page</a> regularly for current scams updates and insights on how to protect your personal information and your money.</p><h3>5. Interest Rates and Rewards</h3><p>Growing your money is essential, so explore the interest rates offered on savings accounts and the benefits of rewards programs. Metro Credit Union offers better rates, lowest fees, and rewards to help your money work harder for you.</p><h3>6. Personalized Customer Service</h3><p>We believe banking should feel personal. That’s why we take the time to really get to know our members. Whether you prefer to manage your money online, over the phone, or in person, we provide personalized services to make banking easier and more accessible. Our friendly, knowledgeable staff are always ready to assist you in making informed financial decisions.</p><h3>7. Financial Education</h3><p>Money talk can be overwhelming, especially when you're just starting. Choose a financial institution that offers resources and tools to help you to understand and manage your finances effectively. Metro helps you make confident financial choices with access to tools, blogs, and programs that guide your learning. Visit our Resources page at <a target="_blank" href="/home">Metrofcu.org</a> where you can find links to <a target="_blank" href="/resources/financial-calculators">financial calculators</a>, <a target="_blank" href="/resources/blog">blogs</a>, <a target="_blank" href="/resources/member-education">member education</a> tools, and<a target="_blank" href="/resources/save-and-succeed"> </a><a href="https://save-and-succeed.metrofcu.org/login" target="_blank" data-sf-ec-immutable="">Save and Succeed,</a> Metro’s personal finance program.</p><h3>8. ITM Network</h3><p>Life doesn’t slow down, and neither should your banking. Our<a target="_blank" href="/services/itms"> Interactive Teller Machines (ITMs)</a> give you 24/7 access to your money, 365 days a year whenever you need it. ITMs enable you to conduct a wide range of transactions, you can deposit cash or checks, withdraw in various denominations, make loan payments, and transfer between accounts, providing a personalized experience that saves time, offers peace of mind, and lets you bank anytime.</p><h3>9. Account Options</h3><p>Everyone's financial needs are different. That’s why it’s important to choose a bank or credit union that offers a range of financial services that meet your specific goals. Metro Credit Union supports you whether you’re looking for savings accounts, loans, or other financial services.<a target="_blank" href="/home"> Visit our website</a> to learn more about our personalized solutions.</p><h3>10. Member Ownership</h3><p>Being part of a member-owned credit union like Metro means that we work for you. You're not just a customer; you're a valued member. Our members are our owners, so we don’t answer to outside investors, we answer to you. We put your best interests first. That means any earnings go back to you through lower fees, better rates, and improved services. This cooperative structure keeps decision-making local and community focused.</p><h3><hr />Build a Financial Future with Metro Credit Union</h3><p>We understand that choosing a bank or credit union is a significant decision, and we hope these tips will help you make an informed choice. Metro is committed to encouraging the next generation with the digital tools and support needed to achieve their financial goals. Visit our <a target="_blank" href="/home">website</a> today to learn more about how we can support your financial journey!</p><p> </p>

As you begin on your financial journey, selecting the right financial institution is important decision that impacts your financial well-being and achieving your goals. Here are the top 10 things you should consider when choosing a bank or credit union.

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Dec 18, 2023

Building and Maintaining a Healthy Credit Score in Your 20s

<p>One crucial aspect of your financial health that can have a significant impact on your future is your credit score. In this article, we'll explore the importance of a good credit score, provide actionable steps to build credit responsibly and share essential tips to avoid common credit mistakes.</p><h3><strong>The Importance of a Good Credit Score</strong></h3><p>Your credit score is more than just a number. Lenders, landlords, and even potential employers use this score to assess how financially responsible you are. A good credit score opens doors to better interest rates on loans, easier approval for rental applications, and improved financial opportunities.</p><p>The first crucial step in establishing a good credit score is understanding its significance. Additionally, an essential component of building a credit score is budgeting. Proper money management enables you to make timely payments and prevents negative effects on your credit score.</p><h3><strong>Building Credit Responsibly</strong></h3><ul><li><strong>Start with a Credit Card:</strong> if you have little to no credit history, consider applying for a credit card with no annual fee. Responsible use of this card, for example, paying your bills on time and a low credit utilization ratio, can help establish a positive payment history. It’s essential to keep your credit card balances manageable and avoid maxing out cards, as this can negatively impact your credit score and financial health in the long run. Remember, building credit responsibly is a gradual process, so be patient and consistent in your efforts to achieve a strong credit profile.</li><li><strong>Keep Balances Low and Pay on Time:</strong> Maintaining low credit card balances and making timely payments is vital for a healthy credit score. Aim to pay off your balances in full each month to avoid interest charges and keep credit utilization low.</li></ul><h3><strong>Types of Credit Matters</strong></h3><p>A diverse credit mix can positively impact your credit score. Consider having a mix of credit accounts, such as credit cards, personal loans, student loans, and a car loan, if applicable. This shows that you can handle different types of credit responsibly.</p><h3><strong>Monitor Your Credit Regularly</strong></h3><p>Checking your credit report is essential to identify any errors or discrepancies. Review your report for inaccuracies and take steps to correct them promptly. Consumers can get a free credit report online and check their activity with credit bureaus such as Experian, Transunion, or Equifax.</p><h3><strong>Avoid Common Credit Mistakes</strong></h3><ul><li><strong>Late Payments:</strong> Late payments can have a significant negative impact on your credit score. Set up reminders or automatic payments to ensure you never miss a due date.</li><li><strong>Opening Too Many Credit Accounts:</strong> Each time you apply for credit, a hard inquiry is placed on your credit report, which can slightly lower your score. Too many inquiries in a short period of time can dramatically decrease your score. Be strategic and avoid opening multiple accounts within a short period.</li><li><strong>Maxing Out Credit Cards:</strong> High credit card balances relative to your credit limit can harm your credit score. Keep your credit utilization below 30% to maintain a healthy score.</li></ul><h3>Building Your Credit Score in Your 20s</h3><p>As you navigate your 20s, building and maintaining a healthy credit score is essential to your financial success. A good credit score can open doors for opportunities and pave the way to a brighter future. The journey to a healthy credit score takes time, but the efforts you make today will shape your financial landscape for years to come.</p><h3>Metro Credit Union Can Help</h3><p>At Metro Credit Union, we're here to support you on your credit-building journey and provide guidance every step of the way.</p><p>Each quarter, we provide our members with updates on their FICO credit score. Knowing your credit score is essential in understanding your financial standing and identifying areas for improvement. </p><p>Download our  <a target="_blank" href="/services/online-banking">mobile app</a> today and take advantage of all the tools and resources Metro Credit Union has to offer. Together, we'll pave the way to a brighter financial future. </p><p>If you have any questions or need assistance, please don't hesitate to contact our  <a target="_blank" href="/about-us/contact-us">customer support team</a>.</p>

Exploring the importance of a good credit score, providing actionable steps to build credit responsibly and sharing essential tips to avoid common credit mistakes.

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Dec 14, 2023

The DO's & DONT's of Online Shopping

<p align="center" style="text-align:left;">Online shopping has become an integral part of our lives, offering convenience and a different option of products at our fingertips. However, with convenience also come potential risks. We'll provide essential tips on how consumers can stay safe online while shopping, avoid scams, and protect their financial information.</p><p align="center" style="text-align:left;">Here are the dos and don'ts of e-commerce ensuring a secure online shopping experience.</p><br /><h3 align="center" style="text-align:left;"><strong>DO's of Online Shopping</strong><strong></strong></h3><h4>Shop from Secure Websites</h4><p>Do shop from reputable and secure websites. Look for "https://" in the website address and a padlock icon in the browser address bar. This indicates that the site uses SSL encryption to protect your data during transmission.<strong></strong></p><h4>Use Strong Passwords</h4><p>Do create strong and unique passwords for your online accounts. Remember that length is often stronger than complexity, shoot for passwords that are at least 12 characters long. Avoid using easily guessable information, such as your birthdate, pet name, song lyrics, sports teams, or the word password. Using a password manager can be helpful in keeping your passwords organized.<strong></strong></p><h4>Update Your Devices and Software</h4><p>Do keep your devices and software up to date. Regularly update your operating system, web browsers, and antivirus software to ensure you have the latest security patches and protection against hackers.<strong></strong></p><h4>Shop on Trusted Wi-Fi Networks</h4><p>Do use secure and trusted Wi-Fi networks when making purchases from online stores. Avoid using public Wi-Fi networks, such as coffee shops or mall hotspots, which may lack encryption and make your data vulnerable to hackers.<strong></strong></p><h4>Check Seller Reviews</h4><p>Do research the reputation of shopping sites before making an online purchase. Read reviews from other buyers to ensure the seller is reliable and provides quality products and services.<strong></strong></p><h4>Be wary of social media marketplaces.</h4><p>Marketplaces on social networking sites such as Facebook and Craigslist are rife with scammers. Be wary of sellers looking to change the terms of the sale or send checks for extra and ask for the overage back in cash. Also, if you need to meet in person, pick a public place, most police stations have designated safe spots for this purpose.</p><br /><h3 align="center" style="text-align:left;"><strong>DON'Ts of Online Shopping</strong></h3><h4>Don't Click on Suspicious Links</h4><p>Don't click on links in unsolicited emails, pop-ups, or social media messages. These could be phishing attempts to steal your personal information.<strong></strong></p><h4>Avoid Unsecured Payment Methods</h4><p>Don't use unsecured payment methods such as wire transfers or payment apps that lack buyer protections. Stick to reputable payment platforms or credit cards, which offer fraud protection and easier dispute resolution.<strong></strong></p><h4>Don't Overshare Personal Information</h4><p>Don't provide unnecessary personal information during the checkout process. Be cautious of websites that ask for excessive details, such as your Social Security number or full date of birth, for a simple purchase.<strong></strong></p><h4>Be Wary of Unrealistic Deals</h4><p>Don't fall for deals that seem too good to be true. Scammers often use incredibly low prices to lure unsuspecting shoppers into providing sensitive information or receiving counterfeit goods.<strong></strong></p><h4>Avoid Saving Payment Information</h4><p>Don't save your payment information on multiple websites. While it may be convenient, saving your bank account or debit card/credit card number increases the risk of your data being compromised in case of a security breach.</p><h3>Online Shopping: Prioritizing Safety and Security<strong></strong></h3><p>Online shopping offers immense convenience and accessibility, but it's essential to prioritize your safety and security. By following the dos and don'ts of e-commerce, you can shop safely online, protect your financial information, and avoid falling victim to scams. Staying vigilant and making informed choices are the keys to a smart and secure online shopping experience.</p><p>We are committed to promoting financial literacy and empowering members to make wise financial decisions.</p><p>For more guidance on online security or any other financial matter, feel free to <a target="_blank" href="/about-us/contact-us">reach out to our dedicated team of experts</a>.</p>

Guide to Safe and Smart E-Commerce

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Dec 14, 2023

DIGITAL BANKING: The Future of Money Management for Gen Z

<p>The internet has revolutionized almost every aspect of our lives, including how we manage our finances. Digital banking is becoming more than just a convenience – it's the future of money management. Let’s explore why digital banking is gaining popularity among Gen Z and how it is shaping the way we interact with our finances.</p><h3>Convenience at Your Fingertips</h3><p>For a generation that has grown up with smartphones and constant connectivity, convenience is a top priority. Mobile banking services take this convenience further, enabling 24/7 money management through real-time balances, transactions, alerts, transfers, check deposits via photos, and automated payment between linked external accounts, making money management very easy and convenient.</p><p>We offer our members the added convenience of  <a target="_blank" href="/services/itms">ITMs (Interactive Teller Machine)</a> and mobile banking. Our ITMs enable you to conduct a wide range of transactions, providing a personalized experience that saves time, offers peace of mind, and allows you to do much of your banking anytime, from anywhere.</p><h3>Seamless Mobile Banking Apps</h3><p><a target="_blank" href="/services/online-banking">Mobile banking</a> apps have transformed the way Gen Zers interact with their money. Mobile apps offer intuitive interfaces, allowing you to navigate through various banking features smoothly. From transferring funds and making digital payments to setting up savings goals, the functionalities offered by mobile banking apps cater to your specific needs.</p><h3>Contactless Payments and Digital Wallets</h3><p>Younger generations value speed and efficiency, and digital banking delivers just that with  <a target="_blank" href="/services/mobile-wallet">contactless payments</a> via your phone and digital wallets – no need to carry cash or even a physical card. It's not only convenient but also adds an extra layer of security to your transactions.</p><h3>Security Features</h3><p>One of the primary concerns for any generation, including Gen Z, is the security of their financial information. Digital banking platforms should employ robust security measures, such as multi-factor authentication and encryption protocols, to safeguard your data and transactions.</p><h3>Environmentally Friendly Banking</h3><p>Digital banking is an eco-friendly choice. By opting for e-statements, reducing paper usage, and embracing electronic communications, you can contribute to a greener, more sustainable future.</p><p>Digital banking emerges as the perfect companion for this tech-savvy generation. With its unparalleled convenience, personalized insights, and cutting-edge security, digital banking is the future of banking and money management.</p><h3>Digital Banking with Metro Credit Union</h3><p>At Metro Credit Union we are committed to providing the best digital banking experience. Our mobile banking app is designed to meet your unique needs, ensuring that managing your money is as effortless and enjoyable as possible.</p><p>To learn more about digital banking,  <a target="_blank" href="/services/online-banking">visit our website</a>.</p>

Digital banking provides many conveniences and real-time features for the modern age. Learn about the conveniences of seamless mobile banking, ITMs, digital wallets, security and more!

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Dec 14, 2023

Worries about More Bank Failures in the News

<p>Dear Metro Member:</p><p>When Silicon Valley Bank failed in March, we sent members an email highlighting the differences between how Metro operates compared to banks experiencing trouble in this higher interest environment. We noted that:</p><ul><li>Metro is very conservative and did not buy investments or put a large number of long-term, low-rate loans in our portfolio.</li><li>Metro does not have a high concentration of members with uninsured deposits.</li><li>Metro does not have liquidity issues, because nearly 25% of our assets are in cash and cash equivalents.</li></ul><p>The message was well-received. In fact, several members responded with how much they appreciate the responsible management of the credit union.</p><p>Since that last message, however, we’ve noticed something else happening. We’ve seen other institutions advertising “interest rate specials” on loans where their “special rate” is higher than our normal rate.</p><p>How can our normal rate be better in many cases? The reasons are simple. As outlined above, it’s because of our liquidity and the fact we have very few long-term, fixed rate assets from when rates were at historical lows. These advantages, together, position us to offer some of the best rates in our area on both loan and deposit products. Said another way, we can offer good rates whether you’re borrowing or depositing.</p><p>Reflecting on the various competitor “specials,” one of our employees said, “We really need to tell members to ‘check with Metro first, because we are a better deal’.” So that’s what we’re doing today, encouraging you to reach out to us first.</p><p>Regardless of the problems you hear about with other financial institutions, remember Metro isn’t among them. We are safe, sound, and secure, and because we didn’t take on risk when rates were near zero, we can offer you a better deal most of the time today. </p><p>Don’t just take our word for it. Before you open a certificate or borrow money from one of our competitors, <strong>check with Metro first</strong>. You’ll likely find that we are truly your local advantage.</p><p>Thank you for the faith and trust you place in us and for the opportunity to serve you. You have our word – we’ll continue to be conservative and work hard to be worthy of your trust.</p><p> </p><p>Sincerely,</p><img src="/images/default-source/blog-article-images/mikessignature.jpg?sfvrsn=31e1d40_5" width="200" alt="" /><p>Mike McDermott</p><p>President/CEO</p>

Check with Metro first. You’ll find that we are truly your local advantage. We are safe, sound, and secure because we didn’t take risks when rates were low, we can offer you a better deal today.

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Dec 14, 2023

Save and Succeed, and Win!

<h3>Financial Literacy Month</h3><div><p>It’s Financial Literacy month! Each April consumers are encouraged to focus on building and maintaining healthy financial habits and goals. For our part, Metro is committed to creating awareness about the importance of financial literacy by providing useful tools like Save and Succeed, a free online resource for our members!</p><h3>Save and Succeed</h3><p>Save and Succeed provides members with articles and videos about a wide range of topics, including saving, budgeting, retirement, technology, and more! When you register, you’ll be given the opportunity to take a questionnaire that Save and Succeed relies on to provide you with personalized content, exercises, tutorials, and games relevant to your unique financial interests and goals. <br /></p><p>You can browse Featured Topics, which are based on your questionnaire and current events like tax season or economic news. You can easily search for specific topics and content, and even save articles to your favorites to go back to later. The more you use Save an Succeed, the better the tool gets at recommending new articles and activities specific to to your interests.</p><h3>Win Money!</h3><div><p>After registering, you will also be eligible to participate in Save and Succeed’s monthly challenges. By completing the challenge, you can enter to win one of two $500 prizes awarded by Save and Succeed.</p><p>April’s challenge is about adding mindfulness to your financial life, and it only takes 10 minutes to complete!<br /></p></div><div><h3>Sign Up Today!</h3></div><div><p>Click the link below to get started with Save and Succeed today! Start by setting up your account, taking the questionnaire, and completing the monthly challenge. Then browse popular topics and courses, view your recommendations, and start your journey to financial literacy and wellbeing.</p></div><p><a href="https://save-and-succeed.metrofcu.org/" target="_blank" data-sf-ec-immutable="">https://save-and-succeed.metrofcu.org/</a></p></div>

It’s Financial Literacy Month, a great time to promote Save and Succeed, a free resource for members full of custom content to improve financial literacy and wellbeing. You can also enter to win $500! Read our latest blog to learn more and sign up today.

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Dec 6, 2023

Accounts at Metro are safe, sound, and secure.

<p>If you’re paying attention to the news, you’ve probably heard about the failure of California based Silicon Valley Bank (SVB) on Friday and another New York bank over the weekend. Many pundits in the media have speculated about the possibility of additional bank failures.  We can’t offer an opinion about other financial institutions, but we can share the reasons why the things that happened at these banks will not happen at Metro.<br /></p><p>Based on news reports, these banks grew too quickly, purchased too many long-term investments, relied too heavily on groups of large depositors, and had insufficient cash and cash equivalents on hand (or accessible) for customer withdrawal.  Metro, by contrast, is managed very conservatively, and we are extremely liquid.  We never take short-term gains at the risk of long-term safety and soundness. <br /></p><p>During the pandemic, interest rates were at historic lows.  Instead of investing in long-term, fixed rate investment pools, Metro managed our assets for the possibility that rates could go up by making short-term consumer loans to our members and by keeping over 25% of our assets in cash or cash equivalents.  We made a lot of mortgage loans to members when 30-year rates were at 3.0% or 3.5%, but we sold almost all those loans to investors.  Today, the average institution in our industry holds two and one-half times more long-term, fixed rate assets than Metro.  By being conservative with shorter-term loans and investments in 2020 and 2021, we sacrificed a lot of potential earnings, but we avoided the risks of a rising interest rate environment.<br /></p><p>In addition, Metro doesn’t have a high concentration of ultra-large depositors.  Nearly 95% of our deposits are insured.  This means that we have almost six times the amount of cash and cash equivalents on hand as we have uninsured deposits*.  According to media reports, over 80% of SVB’s deposits were uninsured, including one single account with $3.3 billion on deposit. <br /></p><p>Based on reports, SVB had very little cash and cash equivalents, so when depositors sought to withdraw their funds, the bank didn’t have enough cash to meet withdrawal demand and had to sell investments to raise cash. The media has reported that SVB had invested over 50% of their assets in long-term, fixed rate securities when rates were at historical lows.  These securities had dropped in value as interest rates went up, so SVB sold them at a loss.  This resulted in SVB’s insolvency (SVB owed depositors more than it had in assets).<br /></p><p>Operating conservatively results in many benefits for Metro members.  It means long-term financial stability.  It means we not only have some of the lowest loan rates for borrowers, but we also have some of the highest deposit rates for savers.  Being conservative enabled Metro to eliminate $2 million in fees for services in 2022.<br /></p><p>Accounts at Metro are safe, sound, and secure because Metro operates in a safe, sound, and secure manner.  We operate conservatively because we work for you, and we’ll continue to be here to serve you long into the future.<br /></p><p>Sincerely,</p><p><img src="/images/default-source/blog-article-images/mikessignature.jpg?sfvrsn=31e1d40_5" width="200" alt="" /></p><p>Mike McDermott</p><p>President/CEO</p><p> </p><p><em>*The National Credit Union Administration (NCUA) limit of $250,000 is per individual, not per account.  This means that two joint owners on the same account can actually have $500,000 of federal deposit insurance.  Two joint owners with two beneficiaries can have up to $1 million of federal deposit insurance.</em></p>

With the news of California based Silicon Valley Bank's failure, we explain what makes Metro different, and how those differences ensure the safety and security of your accounts.

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Sep 28, 2023

Phishing Texts & Card Block Alerts

<img src="/images/default-source/default-album/phishing-preview.jpg?sfvrsn=e8729d93_2&MaxWidth=400&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=C4BB5E894DB946864F9FA726C7F4E4CCAE38902E" data-customsizemethodproperties="{'MaxWidth':'400','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-method="ResizeFitToAreaArguments" title="phishing-preview" style="float:left;margin:10px;" data-displaymode="Custom" alt="Phishing texts are on the rise! Learn how to protect your identity & account." /><h3><strong></strong>Phishing Texts & Card Block Alerts</h3><p>A popular ongoing scam is sending bogus notifications via text, stating your debit card has been blocked, or your card limit has been exceeded. These texts will often provide a link or a phone number to call, and may even state the name of your bank, or another local financial institution. The link will send you to a bogus website that may mimic the look of your bank’s real website, and will request you to provide personal and account information so the criminals can get the information they need from you to commit fraud in your name. These bogus websites may also install viruses and malware on your computer or smart phone just by clicking on it.</p><p>Likewise, the phone number provided by the phishing texts will be answered by scammers stating they need you to provide your personal and/or banking information. These scammers likely have some of your information, but not enough to actually commit fraud. Their goal is to get you to provide them with the pieces they don’t have, so they can go on to commit fraudulent activity through your account, or initiate various forms of identity theft.</p><p>Metro has seen a variety of fraudulent activity occur when these scammers are successful. Everything from using your debit or credit card information to make fraudulent purchases online, to using your personal information to attempt to apply for loans in your name, or gaining access to your online banking to setup external transfers, or linking your account to digital wallets used by the criminals to spend your money.<strong></strong></p><h3><strong>How to Protect Yourself</strong></h3><ul><li>Remember that Metro will never send a link through a text message, and we will never make you verify your personal/account information <strong>if we are calling you.</strong> </li><li>If you receive one of these texts, <strong>do not click a link and do not call the number provided.</strong> Instead go to metrofcu.org and call us at our published number. </li><li>If you receive a call from someone stating they are from Metro, and it feels off in any way, inform them you are going to hang up, and call Metro at our published number. A real Metro employee will have no problem with you doing this for your own security. Only a scammer will persistently try to keep you on the line.</li></ul>

A popular ongoing scam is sending bogus notifications via text, stating your debit card has been blocked, or your card limit has been exceeded. Learn how this phishing scam works and how you can protect your identity and account.

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Sep 27, 2023

Navigating Card Controls in Metro's Mobile Banking App

<p>Debit and credit cards are the primary instrument used to access the money in your bank accounts. Whether you're at a store, ordering online, setting up auto-payments for bills, or withdrawing cash from an ATM, credit cards and debit cards are what you rely on day in and day out. So, when your debit or credit card goes missing, or you need to make a larger purchase than normal, Metro has made it easy to take complete control of your cards in just a few clicks!</p><p>Simply log in to the Metro Credit Union online banking or mobile app, click the "more" option on the menu bar, then click on Card Controls. On the Card Controls page, you can swipe through all the cards linked to your accounts to find the credit or debit card you want to act on.</p><p> </p><div data-sf-ec-immutable="" class="-sf-relative -align-center" contenteditable="false" style="width:640px;height:360px;display:block;margin-left:auto;margin-right:auto;"><div data-sf-disable-link-event=""><div sf-youtube-url="https://youtu.be/A_KOGZjy-8I"><iframe frameborder="0" allowfullscreen="" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" title="Card Controls in Mobile Banking" width="640" height="360" src="https://www.youtube.com/embed/A_KOGZjy-8I?enablejsapi=1&origin=https%3A%2F%2Fwww.metrofcu.org&widgetid=1" sandbox="allow-scripts allow-same-origin allow-popups allow-popups-to-escape-sandbox"></iframe></div></div></div><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:var(--font-size-h4);font-weight:bold;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"> </span></p><h3>Freezing & Unfreezing Your Card<br /></h3><p>Freezing your card is different from blocking it, which is often permanent. A freeze lowers your card's daily spending limit to zero, which will cause any attempted credit or debit card transactions to be denied. You can then turn your card back on by unfreezing it in the mobile banking app to restore the limit, allowing you to use it as normal.</p><p>Freezing your card can be useful if you can't immediately find your card, but aren't sure if it's actually been lost or stolen, or in any situation where your card is not in your possession. You can also keep your card frozen until you intend to use it to ensure no unexpected charges come through from merchants that may have your card on file. It's important to keep in mind that if your card remains frozen for more than 60 days, it will be permanently blocked.</p><h3>Increase Your Daily Limit</h3><p>There are times when you need to make a larger purchase than normal. This might include transaction types such as replacing appliances, purchasing new furniture, or paying for an emergency bill. In these cases, you want to ensure the transaction won't be denied by exceeding your daily set spending limit. With the Metro Credit Union mobile banking app, you can raise that spending limit, as well as your ATM cash withdrawal limit in real-time, with a few clicks.</p><p>Any changes made to your daily limits will automatically reset at midnight, giving you peace of mind knowing you never have to worry about manually lowering your limit back down.</p><h3>Block or Replace Your Card</h3><p>Unlike freezing your card, blocking it is permanent and will restrict all card usage. <strong>Block & Replace </strong>will deny every transaction on your current card, and issue you a brand new card with a new number. This option should be used if your card is lost, or stolen, or if you receive an alert that your card has been compromised and is being used fraudulently.</p><p>The <strong>Close </strong>option will also permanently block your card, but will not immediately order you a new one. The close option in the Card Controls app section is useful if you need to block your card, but are not able to receive a new card through the mail right away. You can order a new card anytime by reaching out to our customer service department.</p><p>The final option, <strong>Damaged need Reprint</strong> does <strong>NOT </strong>block your card. Instead, it orders a new copy of your current card. Because it's a duplicate, there is no way to block your damaged card and keep the reprint open. Therefore, you will need to properly dispose of your damaged card by cutting it up into several pieces. As an added safety measure, you will want to ensure the chip is cut in half as well.</p><p><strong>And there you have it. Total control of your cards at your fingertips & available 24/7 via Online Banking & Metro's Mobile App.</strong></p><h3>Metro Credit Union</h3><p>With lower rates than other types of loans, a HELOC could be the key to helping you pay for a major expense without having to jeopardize your credit or rack up debt on high-rate credit cards. Understand more about a Home Equity Line of Credit through <a href="https://save-and-succeed.metrofcu.org/articles/understanding-second-mortgages" data-sf-ec-immutable="">Metro’s FREE Save and Succeed financial</a> resource. To apply for a HELOC, simply fill out Metro’s easy-to-use online application and you will be on your way to feeling comfortable with your finances and achieving satisfaction with your home.</p>

Learn how Card Controls give you power over your spending limits and access to your card.

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Aug 14, 2023

Resolutions: Twenty-two things to try through Metro in 2022

<img src="/images/default-source/blog-article-images/new-year-phone.png?sfvrsn=2fcd37bc_0&MaxWidth=300&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=0AEB735D26E75C6FE062D473595308E293C52457" style="float:right;margin:10px;" data-method="ResizeFitToAreaArguments" title="new-year-phone" data-displaymode="Custom" alt="2022 happy new year" data-customsizemethodproperties="{'MaxWidth':'300','MaxHeight':'','ScaleUp':false,'Quality':'High'}" /><p>Let’s start the New Year off right! In honor of it being ’22, here are 22 things to know about Metro to keep you on track financially this year. We look forward to serving you and helping you reach your financial and life aspirations. Metro is Your Local Advantage.</p><ol><li>Register for Metro Credit Union <a href="https://my.metrofcu.org/Registration" data-sf-ec-immutable="">Online Banking</a>. </li><li>Start your <a href="https://my.metrofcu.org/Budgets/Show" data-sf-ec-immutable="">2022 budget</a> in online banking.</li><li>Download <a href="/services/online-banking">Metro’s mobile banking app</a>.</li><li>Need to set up an appointment? Metro has <a href="/about-us/locations-hours">in-person or virtual meeting options</a> so you can discuss products and services with Metro staff.</li><li>Read the latest <a href="/docs/default-source/newsletter/winter-2023-metro-minute.pdf?sfvrsn=e5169b87_5">Metro Minute Winter Newsletter</a> about financial scams and the March 2022 Annual Membership Meeting.</li><li>Open a Metro Credit Union checking account and debit card. Read more about our <a href="/accounts/checking-accounts">various checking account options</a>.<img src="/images/default-source/default-album/goals2022.png?sfvrsn=2d90af12_0&MaxWidth=300&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=430BA19DE6D9D3E25B37A08AD892839935ED855A" data-customsizemethodproperties="{'MaxWidth':'300','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-method="ResizeFitToAreaArguments" title="goals2022" style="float:right;margin:10px;" data-displaymode="Custom" alt="" /></li><li>Create a <a href="https://my.metrofcu.org/FinancialWellness/Savings" data-sf-ec-immutable="">Savings Goal</a>; we can help you stay on track and achieve your goals.</li><li>Depending on your type of Metro Credit Card, you may need to set up your <a href="https://metrocreditunion.rewardschoices.com/e/members/howitworks.php?sid=67XXlMrlo35711" data-sf-ec-immutable="">Metro Rewards</a>. With Metro Rewards, you can earn Points every day and when you take advantage of the retailer offers available, you can earn even more Points faster! You can redeem earned Points at hundreds of national brand retailers through the rewards site or at stores and restaurants in your area.</li><li><p data-list="0">Keep your account secure by signing up to manage your preferences for <a href="/services/online-banking">Metro Alerts</a>. Alerts we recommend include:</p><ul><li><span style="text-decoration:underline;">Automatic Deposit</span>- Notifies you when your paycheck is deposited and is available.</li><li><span style="text-decoration:underline;">Balance</span>- Set an amount (above or below) and you will get a notice when you have passed it.</li><li><span style="text-decoration:underline;">Check Cleared</span>- Set a range or get a notice for each check cleared.</li><li><span style="text-decoration:underline;">Insufficient Funds</span>- An alert will tell you when you do not have enough funds for a transaction trying to clear.</li></ul></li><li>Is a goal of yours to purchase your own home, move to a different home or save money on your current mortgage? Let <a href="/loans/mortgage-loans">Metro’s mortgage department</a> help you get closer to your dreams. We offer a wide variety of loan options and our friendly and knowledgeable mortgage lending experts can take the worry out of the home loan process by helping you find the option that best fits your needs.</li><li>Review and send communications to Metro Credit Union via the <a href="https://my.metrofcu.org/MessageCenter" data-sf-ec-immutable="">Message Center</a> in Online Banking.</li><li>Check your <a href="https://my.metrofcu.org/FicoScore" data-sf-ec-immutable="">FICO Score</a>. Read more about what a credit score is and how to increase it on <a href="/about-us/blog/metro-blog/2023/08/11/credit-scores-what's-good-average-and-bad" data-sf-ec-immutable="">Metro’s blog</a>.</li><li>Set up your monthly bills to be paid electronically through <a href="https://my.metrofcu.org/BillPayV2/Payees" data-sf-ec-immutable="">Bill Pay</a>.</li><li><p data-list="0">Use <a href="/services/online-banking">Remote Deposit</a> on Metro’s mobile app to deposit checks.</p></li><li><p data-list="0">Make the switch to <a href="https://my.metrofcu.org/eDocs" data-sf-ec-immutable="">e-Statements in online banking</a>. In addition to being eco-friendly, e-Statements arrive faster than printed statements.</p></li><li><p data-list="0">Check out <a href="/resources/financial-calculators">Metro’s financial calculators</a> to crunch numbers for home refinancing, personal finance, investments and retirement.<img src="/images/default-source/blog-article-images/twitter-header-2.jpg?sfvrsn=b414afb0_0&MaxWidth=300&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=8F6375B12668169EADDE630D5D9C8B0B5A555E52" data-customsizemethodproperties="{'MaxWidth':'300','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-method="ResizeFitToAreaArguments" title="twitter-header-2" style="float:right;margin:10px;" data-displaymode="Custom" alt="" /></p></li><li><p data-list="0">Register for Metro’s free financial resource called <a href="https://save-and-succeed.metrofcu.org/login" data-sf-ec-immutable="">Save and Succeed</a> and find the newest articles, infographics, and videos with must-know money management tips.</p></li><li><p data-list="0">Plan your family vacation for 2022 and you can <a href="/services/metro-visa-card-rewards">redeem Metro Rewards points </a>through Your Travel Center. Make sure to <a href="https://my.metrofcu.org/CardManagementV2" data-sf-ec-immutable="">manage your card controls</a> if you want to freeze or your card or when traveling internationally.</p></li><li><p data-list="0">Have you thought about <a href="/accounts/money-market">Money Market Accounts</a>? Traditionally, the interest paid on Money Market Accounts is higher than it is on Savings and Checking Accounts. If you have at least $2,500 and can have money sit for a longer term, opening a <a href="/accounts/money-market">Money Market Account</a> might be the right way to go. View the latest <a href="/resources/all-rates">interest rates</a>.</p></li><li><p data-list="0">Put a smile on your face by refinancing your current car loan to save money. Metro has low interest rates and the ability to have to have no payment for 90 days as well as automatic payments through online banking. <a href="/resources/all-rates">Learn more about auto loans and view our rates</a>.<img src="/images/default-source/blog-article-images/goals2022-pic.png?sfvrsn=9016cd3a_0&MaxWidth=300&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=791A37A6A648E3E6D39EC1465AD65487819E4C18" data-customsizemethodproperties="{'MaxWidth':'300','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-method="ResizeFitToAreaArguments" title="goals2022-pic" style="float:right;margin:10px;" data-displaymode="Custom" alt="" /></p></li><li><p data-list="0">Upgrade your credit card to Metro's Preferred Credit Card. You can earn 1.5% cashback on all new purchases. <a href="/loans/credit-cards">View Metro’s credit card options</a>.</p></li><li><p data-list="0">Stay in touch - connect with Metro on social media for the latest updates and get to know about our services, staff and the occasional contest! <a href="https://www.facebook.com/metrocreditunion/" data-sf-ec-immutable="">Facebook,</a> <a href="https://twitter.com/MyMetroCU" data-sf-ec-immutable="">Twitter</a>, <a href="https://www.linkedin.com/company/metro-credit-union-omaha/" data-sf-ec-immutable="">LinkedIn</a>, <a href="https://www.instagram.com/metrocreditunion/" data-sf-ec-immutable="">Instagram</a>, <a href="https://vimeo.com/MetroCreditUnion" data-sf-ec-immutable="">Vimeo</a></p></li></ol>

Let’s start the New Year off right! In honor of it being ’22, here are 22 things to know about Metro to keep you on track financially this year.

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Aug 14, 2023

Reduced Auto Loan Rates With The Help of Metro Credit Union in Omaha

<p><img src="/images/default-source/blog-article-images/reduced-auto-loan.png?sfvrsn=18840e5d_0&MaxWidth=350&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=374720917C9123F1252EF31EF6A00E2CC292DD25" style="float:right;margin:10px;" data-method="ResizeFitToAreaArguments" title="reduced-auto-loan" data-displaymode="Custom" alt="reduced auto loan rates" data-customsizemethodproperties="{'MaxWidth':'350','MaxHeight':'','ScaleUp':false,'Quality':'High'}" /><br />Odometers are one of the meters that come standard when purchasing a new car that keeps track of the engine usage by tracking the distance you have traveled. You may have different roles throughout your week that adds up your mileage and wear on your car:</p><ul><li>Grocery getter</li><li>Carpooler/Sports Enthusiast</li><li>Baby soother</li><li>Pet Voyager</li><li>Cross Country Explorer</li></ul><h3>Reduced Auto Loan Rates With The Help of Metro Credit Union in Omaha</h3><p>Get the most of your mileage and finances with the help of <a href="/loans/auto-loans">Metro Credit Union</a>. Metro enjoys a regional reputation for great rates on auto loans.  When it comes to your loan terms and conditions, the car dealership's job is offering you what seems like an excellent deal for you - but is a better deal for them. In the end, the car dealership's sole goal is to make their money out of you, whether you are buying a car with credit or buying it in cash. </p><h3>Dealerships vs Credit Unions</h3><p>While a dealership's terms might feel like the perfect negotiation, you most likely will find better terms from a credit union. Approaching a credit union rather than a bank or dealership can give you more control over the terms attached to your loan: Often a lower interest rate over an extended time and fewer penalties for things like late payments. It just makes sense to start your car buying experience with someone you trust, your credit union!<br /><img src="/images/default-source/default-album/reduced-auto-loan-2.png?sfvrsn=f220870c_0&MaxWidth=350&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=B9E87CC480766EB29071EE575EB186119C33B604" data-customsizemethodproperties="{'MaxWidth':'350','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-method="ResizeFitToAreaArguments" style="float:left;margin:10px;" data-displaymode="Custom" alt="" /></p><h3>Auto Loan Rates</h3><p>If you currently have an auto loan, you should consider refinancing your car loan with Metro and pay less interest. Our goal is to help you get the best deal possible, whether you finance with us or not. We will use our resources to determine if you are paying a fair price for a new or used vehicle, whether you're getting the maximum out of your trade, and determine if your loan rate is competitive.</p><h3><strong>Metro Credit Union in Omaha</strong></h3><p><a href="/loans/auto-loans">Apply Today</a> as your car is adding up the miles. In fact, <a href="https://www.daysoftheyear.com/days/odometer-day/" data-sf-ec-immutable="">Odometer Day</a> is Wednesday, May 12<sup>th</sup>.  <a href="/about-us/blog/metro-blog/2023/08/11/buying-a-used-or-new-car-things-to-consider" data-sf-ec-immutable="">Learn about things to consider when buying a used or new car</a>.</p>

Get the most of your mileage and finances with the help of Metro Credit Union. Metro enjoys a regional reputation for great rates on auto loans.

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Aug 14, 2023

What Are the Benefits of Digital Banking?

<p>Technology is integrated into many aspects of our lives, often improving convenience and quality. Technology in banking helps people manage their finances by tracking their spending in real-time through digital banking and budgeting services and apps. With Metro Credit Union’s online banking tools, you can bank anywhere, anytime. Our mobile app lets you manage everyday financial tasks from your smartphone without visiting a branch.</p><img src="/images/default-source/blog-article-images/digitalbankingblog92dcee9f-ac6d-4efa-9ba2-de5fee41b126.png?sfvrsn=5aadcd3_1" sf-size="100" alt="" /><h3>Advantages of Digital Banking</h3><h4>Convenience</h4><p>Metro’s digital services simplify banking by allowing you to:</p><ul type="disc"><li data-list="0" data-level="1">Create a <a href="https://my.metrofcu.org/Budgets/Show" data-sf-ec-immutable="">monthly budget</a> and track expenses.</li><li data-list="0" data-level="1">Schedule <a href="https://my.metrofcu.org/BillPayV2/Payees" data-sf-ec-immutable="">bill</a> payments to avoid late fees.</li><li data-list="0" data-level="1">Build your savings for an emergency fund or a vacation.</li><li>Apply online for a <a href="https://open.metrofcu.org/VirtualCapture/AccountProducts/Products" data-sf-ec-immutable="">new account</a>, <a href="https://open.metrofcu.org/VirtualCapture/AutoLoans/Products" data-sf-ec-immutable="">auto loan</a>, <a href="https://www.metrocumortgage.com/default.asp?SessionTest=Y" data-sf-ec-immutable="">mortgage</a>, and more.</li><li data-list="0" data-level="1">Communicate securely with our Contact Center staff.</li></ul><p>With our mobile app, you can check balances, transfer funds, and deposit checks from your smartphone.</p><h4>Security</h4><p>Metro Credit Union uses the best security protocols to help keep your transactions secure, utilizing advanced measures to protect your accounts, including:<strong></strong></p><ul type="disc"><li data-list="0" data-level="1">Secure login with Multi-Factor Authentication and biometric access.</li><li>Security layers that prevent outsiders from attacking.</li><li>Encryption processes that keep your data hidden.</li><li>Automatic sign-off if your online session is idle for too long.</li></ul>You can also customize security alerts for various transactions and activities, including failed transfers.<h3><hr />Additional Electonic Services</h3><h4 style="margin-left:30px;">Mobile Wallet</h4><p style="margin-left:30px;"><strong></strong>Take advantage of <a href="/services/mobile-wallet">Apple Pay</a>, <a href="/services/mobile-wallet">Google Pay</a> and <a href="https://www.samsung.com/us/samsung-pay/" data-sf-ec-immutable="">Samsung Pay</a> and add your Metro debit or credit card to those services. </p><h4 style="margin-left:30px;">Electronic Statements</h4><p style="margin-left:30px;"><strong></strong>Receive your monthly statement electronically which is faster, safter, and more convenient.</p><h4 style="margin-left:30px;"><a href="https://www.metrofcu.org/resources/blog/metro-blog/2023/08/14/benefits-of-metros-bill-pay" data-sf-ec-immutable="">Bill Pay</a></h4><p style="margin-left:30px;"><strong></strong>Set up automatic payments for all your recurring bills in one place.<strong></strong></p><h4 style="margin-left:30px;">FICO® Score</h4><p style="margin-left:30px;"><strong></strong>To access your FICO® Score, simply log in, select the More option in the menu, and choose FICO® Score under the Tools section. We provide quarterly updates to help you stay informed about your credit. Read more about <a href="https://www.metrofcu.org/resources/blog/metro-blog/2024/09/03/credit-scores-whats-good-average-and-bad" data-sf-ec-immutable="">credit scores.</a> </p><p>When it comes to managing personal finances and using technology, it is important to be aware of current scams affecting consumers. The more informed you are, the easier you will recognize scams and know how to protect your money and identity. Check our <a href="/services/fraud-protection">fraud protection</a> page regularly for updates and insights on how to protect your identity, personal information, your loved ones, and your money.</p><hr /><h3>Download Our Mobile App</h3><p>Register for online banking and download the Metro Mobile App from the Apple App Store or Google Play Store. Already registered? Sign in with your username and password to access your account instantly.</p><p><a href="https://apps.apple.com/us/app/metro-credit-union-omaha/id931656579" target="_blank"><img border="0" width="200" height="88" src="data:image/png;base64,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" alt="Download on the app store" v:shapes="Picture_x0020_2" data-sf-ec-immutable="" /></a> <a href="https://play.google.com/store/apps/details?id=com.metrohealthcu.mfm&hl=en_US" target="_blank"><img border="0" width="215" height="83" src="data:image/png;base64,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" alt="Get it on Google Play" v:shapes="Picture_x0020_1" data-sf-ec-immutable="" /></a></p><p>Prefer in-person service? Metro offers five full service and one express branch with <a href="/services/itms">Interactive Teller Machines (ITMs)</a> for 24/7 transactions. Virtual tellers are also available during Contact Center hours. Need assistance? Schedule an <a href="/about-us/locations-hours">online appointment</a> at your convenience.</p><h3><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Enjoy the Advantages of Online Banking</span></h3><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span>Experience seamless online banking with secure, convenient, and state-of-the-art tools, accessible 24/7/365 from Metro Credit Union.</p><p> </p>

Technology is integrated into many aspects of our lives, often improving convenience and quality. This proves true to Metro's digital banking services, from real-time balances and customizable alerts to mobile banking at your fingertips 24/7/365.

Read Article about What Are the Benefits of Digital Banking?

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Aug 14, 2023

Benefits of Metro's Bill Pay

<p>There was a time when people were hesitant about paying bills online, however with advancements in security, Metro’s electronic Bill Pay is a safer way to pay your bills than sending your personal information through the mail or providing every utility company and membership you have with your payment information. </p><p><img src="/images/default-source/blog-article-images/billpaybloggraphic.png?sfvrsn=7eba5d81_1" style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;" sf-size="100" alt="" /></p><h3>Here's the biggest features and benefits of Bill Pay.</h3><h3>Convenience</h3><p>Making payments through Metro's Bill Pay is convenient. You don't have to log into several websites every month or remember multiple passwords. Once you enroll in Bill Pay you can set up your payees making scheduling future payments quick and easy. Simply click on the payee, enter the amount and date of your payment, and Metro will make sure it gets there securely and on time.</p><h3>Security</h3><p>Metro's Online Banking uses the best security protocols to help keep your transactions secure. Several methods are incorporated to keep your information safe, including:</p><ul><li>Usernames and passwords</li><li>Multi-factor authentication, including biometrics</li><li>Security layers that help in preventing outsiders from attacking</li><li>Encryption processes that keep your data hidden during electronic transit</li><li>Automatic sign off if your online session is idle for too long</li></ul><h3>Simplified Money Management</h3><p>With Bill Pay you can check the status of scheduled payments and set up alerts to remind you of them. You can also view payment details and use filters to search past payments.</p><h3>Going Green</h3><p>Paying bills online plays a part in eliminating paper waste, especially in combination with switching to electronic statements from your utility companies and other businesses you get bills in the mail from. It also eliminates the cost of envelopes and postage!</p><h3>Organization</h3><p>Bill Pay can automate some of the organization needed to stay on budget. With all your bill payments organized in a single place, you can easily keep track of them in our simple, clean, easy to use interface.</p><hr /><p>Today, using Bill Pay in Metro's secure Online Banking is considered to be much safer than paying by a check and reduces the risk of identity theft. Although security risks exist online it is more secure than sending your personal information through the mail.</p><h4><a href="/services/online-banking" target="_blank">Click here to learn more about all the features of Metro's Online Banking and get registered today!</a></h4><p>When it comes to managing personal finances and using technology to pay bills on time, it is important to be aware of online financial scams. Visit our fraud protection page regularly for current scams updates, and insights on how to protect your identity and personal information.</p><h3>DOWNLOAD THE METRO MOBILE APP</h3><p>Register for online banking and download the Metro Mobile App from the Apple App Store or Google Play Store. Already registered? Sign in with your username and password to access your account instantly.</p><p><a href="https://apps.apple.com/us/app/metro-credit-union-omaha/id931656579" target="_blank" data-sf-ec-immutable=""><img src="data:image/png;base64,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" alt="" data-sf-ec-immutable="" height="91" /></a><a href="https://apps.apple.com/us/app/metro-credit-union-omaha/id931656579" target="_blank" data-sf-ec-immutable="" style="background-color:initial;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"><img 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Metro’s electronic Bill Pay is a safer, more convenient way to pay your bills and simplify your organization and money management, than writing checks or logging into multiple accounts every month.

Read Article about Benefits of Metro's Bill Pay

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Aug 14, 2023

Choosing Metro Credit Union for Home Equity Loans

<p>Choosing a home equity loan should be easy.  You’ve got equity in your home.  Your credit is good.  You can afford the payment.  What’s the big deal?  The truth is, all home equity loans are not the same, and some lenders advertise rates or terms that very few borrowers qualify for, only to switch you into higher rates or less favorable terms somewhere during the process.</p><p>Understanding the essential features of home equity loans empowers homeowners to make informed decisions. Metro Credit Union offers competitive HELOC rates and flexible options tailored to your financial goals.</p><p><img src="/images/default-source/blog-article-images/helocbloggraphic.png?sfvrsn=4cdb68eb_1" sf-size="100" alt="" /><span style="background-color:transparent;color:var(--color-h2);font-family:inherit;font-size:var(--font-size-h2);text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span></p><h3><span style="background-color:transparent;color:var(--color-h2);font-family:inherit;font-size:var(--font-size-h2);text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Understanding Home Equity Loans</span><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span></h3><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Most homeowners have some amount of equity in their homes.  Your equity is the difference between your home’s value and the balance you owe on your mortgage (ex. Home Value $300,000 – Mortgage Balance $200,000 = Equity $100,000).  The equity in most homes increases over time as the home’s value increases while the mortgage balance gets paid down.  Many times, borrowing against this equity (as opposed to getting an unsecured or other types of the loan) allows for larger loans, lower payments, better interest rates, or all three.  Knowing which factor (amount, payment, or rate) is most important to you can guide you to the best option. Home Equity Loans have traditionally come in two types: </span>Home Equity Lines of Credit (HELOCs)<span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"> or </span>Fixed-rate/Fixed-term Home Equity Loans<span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">.</span></p><h4>Home Equity Lines of Credit (HELOCs)</h4><p style="margin-left:30px;">The biggest advantages of HELOCs are that you can borrow against the Line of Credit, repay it, and borrow again, multiple times during the term of the loan.  You only pay interest on the amount of the credit line you use, and the payments are usually lower.  The biggest disadvantages to HELOCs are that they have variable interest rates, and some borrowers may have a balloon payment due at the end of their term. </p><h4>Fixed-rate/Fixed-term Home Equity Loans</h4><p style="margin-left:30px;">Fixed-rate/Fixed-term Home Equity Loans offer a known interest rate and payment that pays the balance down to zero during the term of the loan.  However, you only get to borrow one time at the beginning of the loan, so if your plans change, you’ll have to refinance and get an entirely new loan, and the monthly payment is usually higher. </p><h3>Understanding Loan-to-Value (LTV)</h3><p>Lenders have a maximum loan-to-value (LTV) they will allow for your home equity loan.  That means you cannot use all the equity in your home.  The problem is that too conservative a lender may not let you use enough of your equity for your needs.  Some lenders have a maximum LTV of 80% combining your primary mortgage and your new home equity loan.  In the example above, the lender multiplies .80 x $300,000 Home Value = $240,000.  So, with this lender, you cannot use $60,000 of your $100,000 in Equity.  If you have a $70,000 remodeling project, you cannot borrow enough from this lender regardless of the terms or rates or type of loan you get.  However, if you find a lender with a 90% maximum LTV, you can borrow up to $70,000 for your project (.90 x $300,000 = $270,000). As maximum LTVs go up, so does the risk to the lender.  So, sometimes higher LTVs come with higher interest rates, but that isn’t always the case; some lenders just have better deals. Another problem you can run into is when a lender advertises a great rate, but when you get there, you find out they have a maximum LTV of 80%, and you can only qualify for that special rate if your primary mortgage is paid completely off.  Instead of going back to the drawing board, many borrowers just sign for a higher rate. </p><h3>How a Home Equity Line of Credit Can Benefit Homeowners</h3><div>Using a home equity line of credit wisely can lead to long-term financial benefits. Many homeowners use these loans for home renovations, energy-efficient upgrades, major home repairs, or debt consolidation. Investing in home improvements can increase property value, making it a strategic way to grow wealth.</div><div><br /></div><div>For those looking to consolidate debt, a low-interest HELOC can replace high-interest credit cards or personal loans, reducing overall interest costs. Since home equity interest rates are typically lower than other types of borrowing, this can result in significant savings.</div><div><br /></div><div><p>At Metro Credit Union, we provide loan solutions that align with financial goals, whether it’s funding a remodeling project, covering emergency expenses, or securing a more favorable interest rate.</p><h3>Save time, money and frustration – Call Metro Credit Union first</h3></div><p>Why go through the hassle of calling around and hoping different lenders are telling you everything?  Call Metro Credit Union and speak to a Personal Banker about the right Home Equity Loan option for you.  Get the LTV option that meets your needs with some of the best rates and terms available.  And best of all, at Metro Credit Union we work for you, so you don’t have to be a lending expert. <a href="/loans/mortgage-loans">Metro Credit Union Mortgage</a> is the home lending side of Metro Credit Union. Buying your first home is a big step, but it doesn't have to be a scary one. The more you know about the home buying process, the more confident you'll feel about making these important decisions that will shape your future. </p><p>Use our financial calculators for calculating a <a href="/resources/financial-calculators/mortgage-loan-calculator">mortgage</a> or <a href="/resources/financial-calculators/mortgage-refinance-calculator">refinance</a>.</p>

Choosing a Home Equity Loan should be easy. You’ve got equity in your home, good credit, and can afford the payment. What’s the big deal? The truth is, all Home Equity Loans are not the same.

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Aug 14, 2023

Financial Scams Continue to Rise

<img alt="" src="/images/default-source/blog-article-images/financial-scam-2021-winter.png?sfvrsn=cce002e3_0" data-displaymode="Original" title="financial-scam-2021-winter" /> <p>Financial scams cost consumers billions of dollars every year and Metro members are no exception. Annually, the number of members affected, and the dollars lost, continues to grow. Types of financial scams Metro members have fallen victim to include:</p> <ul> <li><strong>Lottery Scams</strong> where victims are convinced they won a lottery or sweepstake, but need to send money for “fees” or “taxes” in order to collect their winnings. The victims never meet the criminals in person, and a new “fee” or “tax” always arises until the victim stops sending money.</li> <li><strong>Government Impersonator Scams</strong> where criminals pretend to be government officials threatening jail time unless the victim pays fines or costs. Real government officials don’t threaten arrest over the phone, and the IRS always sends correspondence and asks you to call them.</li> <li><strong>Romance Scams</strong>, like the name suggests, involve criminals creating fake profiles and trolling social media for lonely or compassionate victims. The criminal is always somewhere that makes meeting in person impossible, and once the victim is emotionally invested, some crisis will occur and the victim is asked to send money.</li> <li><strong>Grandparent Scams</strong> use an older person’s love of family against them. In these scams someone posing as a grandchild will need money to help them get out of significant trouble. The “grandchild” won’t be available to talk after making the request, and the criminals demand money immediately, usually in the form of money orders, bank checks, or gift cards.</li> <li><strong>Tech Support Scams</strong> - occur when criminals convince victims they are from a hardware or software company reporting a problem on the victim’s PC. They con victims out of information that gives the criminals remote access to the victim’s computer. Once in, the criminals can get passwords, account numbers, emails, everything they need to hack a bank account.</li> </ul> <p>Members have fallen victim to all of these scams and many others this year alone. Older members are more frequently the targets of the scams, but people of all ages, backgrounds, and education levels can fall victim to these crimes. These scam artists are very good at what they do and they are very good at getting victims to trust them.</p> <p>Financial scams almost never end until the victim finally stops sending money, which often doesn’t occur until they run out of money. When the crime is over, in nearly every instance, the victim is able to look back and recognize multiple red flags they overlooked while the scam was being perpetrated. Even when a victim suspects or knows something isn’t right, they may believe they’re “in too deep” already, or the criminal might use the victim’s desire to believe, or loneliness to overcome the red flags. In the end, many victims are either too embarrassed or too confused to report the crime.</p> <p>Over the years, Metro has provided information about how to prevent common schemes from happening:</p> <ul> <li>Do online searches on who you’re talking to.</li> <li>Never send money to someone you “met” online, but cannot meet in person.</li> <li>Never give personal or financial information to someone who initiates contact.</li> <li>Don’t be pressured into acting quickly without time to think or talk to family or friends.</li> <li>Avoid clicking popups, opening attachments, or doing downloads on your computer.</li> </ul> <p>While those techniques work, there is one thing members can do that didn’t occur in 100% of successful scams, and would have prevented 95% of these crimes; be skeptical and end all communication with the potential criminal as soon as possible. Criminals are in it for the money. If they perceive you as harder to convince or more work, they’ll likely move on to the next target.</p> <p>These types of scams are always changing, please visit <a href="http://www.consumer.ftc.gov/features/scam-alerts">www.consumer.ftc.gov/features/scam-alerts</a> to read more about the scams listed above and more.</p> <p>If you are uncertain if you or someone you know has been contacted by a criminal for the purposes of a financial scam, please use the step by step instructions listed at www.consumer.ftc.gov/articles/what-do-if-you-were-scammed, contact the Federal Trade Commission at <a href="http://www.reportfraud.ftc.gov/">www.reportfraud.ftc.gov</a> , or contact Metro. Chances are, we’ve heard the story before.</p>

Financial scams cost consumers billions of dollars every year and Metro members are no exception. Annually, the number of members affected, and the dollars lost, continues to grow.

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Aug 14, 2023

Changes to Two Factor Authentication

    <p>Metro Credit Union is making some changes to Two-Factor Authentication for online banking. Two-Factor Authentication is the process used to verify your identity when a login is attempted by a device not recognized, or login is attempted outside your geographic area. Two-Factor is also triggered by events such as demographic changes, transferring funds to other members' accounts, adding a new payee in Bill Pay, etc. Due to the high volume of compromised email accounts, an <span style="text-decoration: underline;">email will no longer be an option to receive. </span> </p> <p>You will need to add an alternate contact method in online banking by following the directions below:  </p> <p>Access your contacts by clicking the More option on the main page of online banking, then select <strong><span style="font-family: Arial, sans-serif;">Settings</span></strong>.</p> <p><img src="/images/default-source/blog-article-images/2-factor-authentication-1.png?sfvrsn=ca89e136_2" data-displaymode="Original" alt="Screen capture showing the settings icon" title="2-Factor-Authentication-1" /></p> <p><click>Click the <strong>Contact</strong> tab at the top.  <br /> </click><img src="/images/default-source/blog-article-images/2-factor-authentication-2.png?sfvrsn=3bc0420b_2" data-displaymode="Original" alt="Screen capture showing the contact tab" title="2-Factor-Authentication-2" /></p> <p><img src="/images/default-source/blog-article-images/2-factor-authentication-3.png?sfvrsn=714991c1_2" data-displaymode="Original" alt="Screen capture showing authentication methods" title="2-Factor-Authentication-3" /></p> <p><click>You will need to add a Mobile number in the Contacts tab. If a mobile number isn’t entered on the Contacts tab, the Two Factor Authentication option will be disabled.   </click> </p> <ul> <li>Enter the number in the <strong>Mobile</strong></li> <li>Check the box to receive SMS text messages and Preferred Contact Phone.</li> <li>You will receive a verification code to enter.</li> <li>Completing the verification will add the mobile number and allow you to enable Two-Factor Authentication.</li> </ul> <p> </p> <p><img src="/images/default-source/blog-article-images/2-factor-authentication-4.png?sfvrsn=2169f908_2" data-displaymode="Original" alt="Screen capture showing authentication methods" title="2-Factor-Authentication-4" /></p> <p>If you have any questions on this matter please contact us through <a href="http://my.metrofcu.org/MessageCenter">Message Center</a> in your online banking or mobile app.</p>

Metro Credit Union is making some changes to Two-Factor Authentication for online banking. Two-Factor Authentication is the process used to verify your identity.

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Aug 14, 2023

Serving Members Post-Pandemic

<img src="/images/default-source/blog-article-images/post-pandemic1.jpg?sfvrsn=5842b088_0" style="float:left;margin:10px;" title="Post-Pandemic1" data-displaymode="Original" alt="" /><p>With the lifting of the Omaha Mask Mandate and increased capacities at public venues, it appears we’re on track for at least the beginning of a return to normal. The question is, what will normal look like moving forward? At Metro, changing consumer preferences means “normal” won’t look the same after the pandemic as it did in 2019.</p><p>Just like everywhere else, consumers were increasing their adoption of digital channels in banking before Covid. What the pandemic did was accelerate the change in behavior. Home and Mobile banking transactions grew by 40% in 2020. Remote Deposit Capture (depositing photos of checks through Mobile Banking) grew by 300% during the pandemic. Online Loan and New Account Applications more than doubled in 2020, and 75% of non-online applications occurred over the phone and via email. Overall in-person transactions declined by 40% in the past year, and at some locations, 90% of transactions occurred in the drive-thru even on days the lobbies were open.</p><p><img src="/images/default-source/blog-article-images/post-pandemic-2.jpg?sfvrsn=35a2d211_0&MaxWidth=215&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=985D8526EC5B6500553E493C30C527B3BD804608" style="float:right;margin:10px;" data-method="ResizeFitToAreaArguments" title="Post-Pandemic-2" data-displaymode="Custom" alt="" data-customsizemethodproperties="{'MaxWidth':'215','MaxHeight':'','ScaleUp':false,'Quality':'High'}" />In one year, the way people bank has changed. The move away from in-person banking would have occurred anyway, but the amount of change that would have happened over five years or seven years occurred in just a few months. Most significantly, as with online shopping, once people discovered the ease and convenience of doing things digitally, most won’t be returning to their old way of doing business. What does that mean for Metro?</p><p>As it relates to banking, perhaps the biggest lesson of the pandemic is that consumer behavior is not carved in stone. Consumers will adapt to the changing environment. And, as consumer behavior changes, service providers like Metro must change with it to remain relevant. At Metro, we will continue to change our operations to meet your banking needs.  After all, serving you is why we’re here. </p><h3>Digital Banking Services</h3><p>Electronic banking will only grow in importance. Fortunately, Metro had a jump start on upgrades before the pandemic. Metro installed a new state-of-the-art Home & Mobile Banking platform in 2019, and began work on a new, robust online account and loan application system we introduced this past March. As members continue to do more and more electronically, Metro will continue to make strategic investments in our digital banking offerings.</p><h3>June 14th Branch Operations</h3><p><img src="/images/default-source/blog-article-images/post-pandemic-3.png?sfvrsn=6175690_0&MaxWidth=215&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=4236E6912283AAE52B96A745352338A9D4F5AD29" data-customsizemethodproperties="{'MaxWidth':'215','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-method="ResizeFitToAreaArguments" title="Post-Pandemic-3" style="float:left;margin:10px;" data-displaymode="Custom" alt="" />Even though pandemic related restrictions on businesses are being lifted, the way members use branches has likely changed forever. To better align our services with new member banking needs, Metro will adopt a new, two-part branching model going forward. Metro will offer <strong>Full Service</strong> <strong>(lobby and drive-thru) </strong>branches in areas where foot-traffic warrant, and <strong>Express Service (drive-thru only)</strong> branches in other locations.</p><p>Beginning <strong>June 14th</strong>, Full Service branches will return to Monday – Saturday operations in both the Lobby and Drive-thru. Express Branches will be moving to Drive-thru only on the same day. View and print the <a href="/docs/default-source/default-document-library/updated-branch-hours-handout.pdf?sfvrsn=71136456_0" title="Updated Branch Hours handout">Updated Branch Hours handout</a>. </p><h3><span style="font-weight:bold;">Drive-thrus</span></h3><p>Monday - Friday: 7:30AM - 6:00PM<br />Saturday: 9:00AM - 1:00PM</p><h3><span style="font-weight:bold;">Lobbies</span></h3><p>Monday - Friday: 9:00AM - 5:00PM<br />Saturday: 9:00AM - 1:00PM</p><h3><span style="font-weight:bold;">Full Service Branches</span></h3><h5>Lobby & Drive-thru</h5><p>Monday - Friday 9:00AM - 5:00PM<br />Saturday 9:00AM - 1:00PM</p><ul><li>14509 F St.</li><li>11102 Emmet</li><li>5025 L St.</li><li>4444 Ames Ave</li><li>940 N 204th Ave Ste 270</li></ul><h3><span style="font-weight:bold;">Express Branches</span></h3><h5>Drive-thru Only</h5><ul><li>414 S Saddle Creek Road</li></ul><h3>Future Metro Branch Services</h3><p>To accommodate post-pandemic member banking needs, future branch offices, both Full Service and Express, will have a much smaller footprint with fewer drive-thru lanes. Our strategy will be convenience for members with less overhead.</p>

Just like everywhere else, consumers were increasing their adoption of digital channels in banking before Covid. What the pandemic did was accelerate the change in behavior. At Metro, we will continue to change our operations to meet your banking needs.

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Aug 14, 2023

Car Loans: Metro Credit Union vs Car Dealerships

<img alt="" src="845dee01-be4f-6bce-b961-ff00009358a2" sf-size="100" /> <p><img alt="" src="/images/default-source/blog-article-images/car-loans--metro-credit-union-vs-car-dealerships.jpg?sfvrsn=2b3235c4_0" data-displaymode="Original" title="car-loans--metro-credit-union-vs-car-dealerships" />Buying a vehicle is one of the first biggest financial steps that you can take in your lifetime second only to becoming a homeowner – and whether you're buying your first-ever vehicle or whether it's time to upgrade to another car, most people don't have the ability to just walk in and purchase a car in cash.</p> <p>For anyone who wants to buy a car, the best option is usually getting a loan to fund their purchase. When looking at cars, the first thing you'll see is that the dealership gives you the offer of a loan to buy the car you like right now. This is enough for most people to sign right on the dotted line: It's instant finance for your car, after all.</p> <p>But what if approaching a car dealership <em>isn't</em> the best way for you to get a vehicle loan?</p> <h2><strong>Car Loans: Metro Credit Union vs Car Dealerships</strong></h2> <p>There are other options out there, and especially for first-time vehicle buyers, there are a few reasons why choosing a credit union might be better.</p> <h3><strong>Credit Unions Stay in Touch</strong></h3> <p>Credit unions have become a lot more popular than banks because they're often a lot more personal (and a lot more in touch) than the majority of strict financial providers. Customers have a better chance of interacting with their credit union on a personal level – and this inevitably means that it's easier to secure favorable credit terms as opposed to getting loan terms that have been worked out by an artificially intelligent algorithm that frankly doesn't care.</p> <p>Car dealerships might initially want to seem like they are your best friends in the world, but this demeanor often disappears when the contracts have been signed and they've sold you a vehicle.</p> <h3><strong>Credit Unions Usually Offer Lower Loan Interest</strong></h3> <p>One of the first reasons why people opt for credit unions is that they offer better terms than banks. There are a lot of complicated reasons as to why: Partially, it's because of the fact that credit unions can offer better interest on the money you gain – and often lower interest on the money that you have to borrow from the bank.</p> <p>If you were to approach a car dealership for vehicle finance, they're likely to charge exceptionally high interest rates and very strict terms: You'll almost always end up paying way more for the car than if you had chosen the same loan through a credit union.</p> <h3><strong>Credit Unions Offer Flexible Terms</strong></h3> <p>When it comes to your loan terms and conditions, the car dealership's job is offering you what seems like an excellent deal for you - but is actually a better deal for them. In the end, the car dealership's sole goal is to make their money out of you, whether you're buying a car with credit or buying it in cash.</p> <p>While a dealership's terms might feel like the perfect negotiation, it's almost guaranteed that you'll find better terms from a credit union.</p> <p>Approaching a credit union rather than a bank or dealership can give you more control over the terms attached to your loan: Often a lower interest rate over a longer period of time, and less penalties for things like late payments.</p> <h2><strong>Metro Credit Union | Best Car Rates in Omaha</strong></h2> <p>Our goal is to help you get the best deal possible, whether you finance with us or not! We'll use our resources to determine if you're paying a fair price for a new or used vehicle, whether you're getting the maximum out of your trade, and determine if your loan rate is competitive.<br /> <br /> All of this at no charge, with no sales pressure. It just makes sense to start your car buying experience with someone you trust, your credit union!</p> <p>Plus, we offer great deals on extended warranties & GAP insurance. <br /> <a href="/about-us/blog/metro-blog/2023/08/11/buying-a-used-or-new-car-things-to-consider">Learn about things to consider when buying a used or new car</a>. </p>

For anyone who wants to buy a car, the best option is usually getting a loan to fund their purchase. When looking at cars, the first thing you'll see is that the dealership gives you the offer of a loan to buy the car you like right now.

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Aug 14, 2023

Metro Credit Union: Your Local Advantage in Elkhorn

<img alt="" src="/images/default-source/blog-article-images/advantage-in-elkhorn.jpg?sfvrsn=332062da_2&MaxWidth=350&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=820404F714B2C762F38CD03089C80D5B9A046310" data-method="ResizeFitToAreaArguments" data-customsizemethodproperties="{'MaxWidth':'350','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-displaymode="Custom" title="Advantage-in-Elkhorn" style="float: left; margin: 10px;" /> <p>Metro is pleased to have opened its <a href="/about-us/locations-hours">Elkhorn Full Service branch</a> (located two blocks north of Dodge on the west side of 204<sup>th</sup>) earlier in August. This office is just north of Dodge Street and includes a smaller retail lobby, two drive-thru lanes, and a <a href="/about-us/locations-hours">drive-up ATM</a>. The Elkhorn office was designed for less foot traffic and uses technology to improve efficiencies. Staff at this branch can help you set up a variety of <a href="/accounts/checking-accounts">checking</a> and <a href="/accounts/savings-accounts">savings accounts</a>, <a href="/loans/loan-rates">loans</a>, and <a href="/loans/credit-cards">credit cards</a>. Metro also has convenient <a href="https://metrofcu.coconutcalendar.com/service">online appointment scheduling</a>.  Read more and select the type of appointment setting that works best for you. </p> <p><img alt="" src="/images/default-source/blog-article-images/advantage-in-elkhorn-2.jpg?sfvrsn=8de89db0_2&MaxWidth=200&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=49D8CD673FED46538E1CC369E80123DD85F82179" data-method="ResizeFitToAreaArguments" data-customsizemethodproperties="{'MaxWidth':'200','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-displaymode="Custom" title="Advantage-in-Elkhorn" style="float: right; margin: 10px;" />Ryan Dugick is the Elkhorn branch office manager who has worked at Metro for eight years. He has extensive experience in financial services with a collection of roles in his background at several Metro branches, including working as Lead Teller, Financial Service Representative, Assistant Manager, Loan Closer, Assistant Branch Manager, and Manager.  Ryan enjoys golfing with his wife, Jordan, and relaxing at home with their four dogs and cat. His hobbies include renovating their home and working on his yard.</p> <p><img src="/images/default-source/blog-article-images/advantage-in-elkhorn-3.png?sfvrsn=25af657c_2&MaxWidth=200&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=2CDBC9D88C89782D6E82BA1E7364573537F681D0" data-method="ResizeFitToAreaArguments" data-customsizemethodproperties="{'MaxWidth':'200','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-displaymode="Custom" alt="Bids for kids" title="Advantage-in-Elkhorn-3" style="float: left; margin: 10px;" />Currently, Metro is honored to be a Technology Sponsor of <a href="https://www.elkhornfoundation.org/bids-4-kids/">Bids for Kids</a>. The live-stream program available to the public takes place on Thursday, September 9th, as the in-person event is sold out. Online bidding began September 1<sup>st</sup> and runs through September 10th. Proceeds of <a href="https://www.elkhornfoundation.org/bids-4-kids/">Bids for Kids</a> fund the Math & Reading Clubs that take place in Elkhorn’s elementary schools before and after school. Read more and <a href="https://www.elkhornfoundation.org/bids-4-kids/">create your online bidding account</a> for <a href="https://www.elkhornfoundation.org/bids-4-kids/">Bids for Kids</a> today.</p> <br /> <p>You may also have seen Metro at the Elkhorn North, Elkhorn South, and Elkhorn High football games. Metro will be present at the next football game on Friday, September 10<sup>th</sup> for the Elkhorn South vs. Omaha Central game. It is excellent opportunity to support athletics and to see the students and faculty as we hand out t-shirts.</p> <p><img alt="" src="/images/default-source/blog-article-images/advantage-in-elkhorn-4.jpg?sfvrsn=944ec9d6_2&MaxWidth=400&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=1F8C833FDEB8568E30727FC21D9A2BD948F8CBE6" data-method="ResizeFitToAreaArguments" data-customsizemethodproperties="{'MaxWidth':'400','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-displaymode="Custom" title="Advantage-in-Elkhorn" style="float: right; margin: 10px;" />Metro staff had fun walking in the <a href="https://elkhorndays.com/">Elkhorn Days parade</a> and handing out shirts to attendees as our first event in the Elkhorn community. <em></em>We also sponsored the fireworks show and Rumble at the Ridge Bull Riding Challenge during Elkhorn Days. </p> <p><img alt="" src="/images/default-source/blog-article-images/advantage-in-elkhorn-5.jpg?sfvrsn=eacc0f1f_2&MaxWidth=300&MaxHeight=&ScaleUp=false&Quality=High&Method=ResizeFitToAreaArguments&Signature=224A53CF75C21E2A7017E64915EB56D1E4100ECD" data-method="ResizeFitToAreaArguments" data-customsizemethodproperties="{'MaxWidth':'300','MaxHeight':'','ScaleUp':false,'Quality':'High'}" data-displaymode="Custom" title="Advantage-in-Elkhorn-5" style="float: left; margin: 10px;" />We look forward to helping current members with financial services and welcoming new members in the <a href="https://vimeo.com/585004464">Elkhorn community</a>. Metro Credit Union serves over 43,000 members and has expanded to serve everyone living or working in five Nebraska and Iowa counties. <a href="/about-us/who-we-are">Learn more about Metro’s history and who we are</a>.</p>

Metro is pleased to have opened its Elkhorn Full Service branch (located two blocks north of Dodge on the west side of 204th) earlier in August.

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Aug 14, 2023

Google Voice Authentication Scams

<p>Have you ever received a random call or text asking for a verification code you didn’t request? If so, you might’ve been the target of the Google Voice authentication scam, it might seem harmless, but it's the start of a growing scam. </p><p>This tactic tricks people into giving up access that scammers use to impersonate them or carry out other fraud. It allows fraudsters to hijack your phone number and use it to make domestic and international calls—you don’t even need a Google Voice account to get scammed. Simply sharing your number online, like in a marketplace listing or a missing pet ad, can make you a target.</p><h3>HERE IS HOW GOOGLE VOICE AUTHENTICATION SCAMS WORK:</h3><p>You post your actual phone number on some online platform. It is common for scammers to target victims who use popular marketplace apps or websites to post items for sale. There have also been reports of people being targeted in other online locations, including sites where you post about lost pets.</p><p>The scammer contacts you via text or email acting as if they are really interested in buying that couch or think Fluffy, your missing cat, is found. They say they just need to make sure you are legitimate, so they don’t get scammed. They say they will send you an authentication code from Google to confirm that you are a real person and not a bot. You will receive that authentication code in the form of a voice call or a text message. They ask you to repeat that number to them. </p><p>What they are doing is setting up a Google Voice account in your name using your real phone number as verification. Once set up, they can use that Google Voice account to conduct any number of scams against other victims that won’t come back directly to the scammer. They can also use that code to gain access to, and take over, your Gmail account.</p><p>If you do get scammed, check <a href="https://support.google.com/voice/?hl=en#topic=13968863" target="_blank" data-sf-ec-immutable="">Google’s website</a> for information for information how to take back control of that virtual voice account.</p><h3>HERE ARE SOME TIPS TO AVOID GETTING SCAMMED IN THE FIRST PLACE:</h3><ul><li>Never share a Google verification code with others.</li><li>Only deal with buyers, sellers, and Fluffy-finders in person. If money is to exchange hands, make sure you are using legitimate payment processors.</li><li>Do not give out your email address to buyers/sellers conducting business via phone.</li><li>Scammers often create a sense of urgency, do not let someone rush you into a sale. If they are pressuring you to respond, or risk serious consequences, they are likely trying to manipulate you into acting without thinking.</li><li>Slow down and verify the facts before making any decisions.</li><li>Double-check suspicious accounts or transactions. Use multi-factor authentication (MFA) for your Metro accounts to increase security.</li></ul><h3>RECENT CYBER FRAUD TO WATCH FOR</h3><p>Hackers are now using artificial intelligence (AI) to pull off convincing scams like deepfakes and voice cloning. With deepfakes, they mix real and fake information from the internet to create fake identities that can trick identity checks. These fake profiles are then used to open new accounts or take over existing ones. Voice cloning lets scammers copy someone’s voice using just a few seconds of audio. They might pretend to be a family member in trouble and pressure you to send money right away. </p><p>To stay safe, never send money based on a phone call alone. Verify the caller’s identity by contacting them directly or consulting other family members. Metro will never call, or text asking for your personal information or send links you need to click.</p><h3>HOW TO SPOT WHEN YOU'RE BEING SCAMMED</h3><p>We believe the more informed you are, the easier you will recognize scams and know how to stop fraudsters in their tracks. Visit our<a target="_blank" href="/services/fraud-protection"> fraud protection</a> page regularly for current scams facing consumers, and insights on how to protect your identity, personal information, your loved ones, and your money.</p><p>If you believe you are the victim of an online scam, report it to the FBI’s Internet Crime Complaint Center at <a href="https://www.ic3.gov/" target="_blank" data-sf-ec-immutable="">www.ic3.gov</a> or call your local FBI office.</p><div><br /></div>

There is a new scheme involving Google voice authentication. What is Google Voice? It is a service—brought to you by Google that allows you to set up a new virtual phone number that can be used to make calls or send and receive text messages.

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Aug 14, 2023

Pay Off My Mortgage Loan Early or Continue to Make Payments

<h3><img src="/images/default-source/blog-article-images/mortgagepayoffblog-image.png?sfvrsn=b85d8b02_1" sf-size="100" alt="" /></h3><p>Like many people, when you bought your house and got your mortgage loan, money might have been a little tight.  Not only did you have a new house payment (including new property taxes), but you also had to buy new furniture, right?  But then, after a few years or maybe a new job, you started to have a little extra money and you’ve wondered whether it makes sense to pay extra toward your mortgage, or if you should invest the money.  It’s a good problem to have, but there isn’t one right answer for everyone.  It depends on you, your discipline, your risk tolerance, and your goals.</p><h3>Should I Pay Off My Mortgage Loan Early or Continue to Make Payments?</h3><h3><strong></strong></h3><p>There are clear financial implications to making extra payments vs. investing the money, but the decision to pay off your mortgage early isn't only a financial one.  Depending on your personality and goals, the peace of mind from owning your home free and clear of a loan may be more important than coming out ahead financially by investing the money. </p><h3>Let’s assume you have an extra $500 per month to either invest or pay to the principal on your mortgage.  Here are some factors to consider:</h3><h3><strong></strong></h3><h4>Is Your Emergency Fund in Place?</h4><p style="margin-left:30px;">Before putting extra toward your mortgage or investing, take a moment to assess your financial safety net. Experts recommend setting aside 3 to 6 months of living expenses in an emergency fund. Without this cushion, you may be forced to dip into your investments or take on high-interest debt if something unexpected happens, like a job loss or medical bill. Paying off your mortgage early is a smart long-term move, but don’t sacrifice your short-term financial security to do it.<strong></strong></p><h4>Effect of Compounding Interest Rates</h4><p style="margin-left:30px;">If you invest $500 per month and earn a conservative rate of 6% in mutual funds, at the end of ten years you’ll have nearly $82,000.  If you apply that $500 per month to an average mortgage loan over ten years, you’ll pay off an extra $70,000 beyond what you would have by only making your minimum monthly payment. </p><p style="margin-left:30px;">Obviously, you’ll be better off financially investing the money, but in order to realize that benefit from investing you’ll need discipline to avoid the temptation to pull that money out for another purpose, like a vacation. When you apply the $500 toward the principal on your mortgage, that money is gone; you used it to pay down debt and you can’t use it for anything else. </p><p style="margin-left:30px;">In addition, when you seek higher returns by investing your money, you may subject those funds to downward movements in the market.  While over the long-term most people experience higher returns (rates of growth) in mutual funds, there are times when the market goes down and your investment balance can drop.</p><p style="margin-left:30px;">Lastly, there can be tax consequences for paying off a mortgage loan early.  Under the tax code, many people can deduct the interest paid on their mortgage from their taxable income. As you pay the principal balance down, you reduce the amount of the deduction.  At the same time, when you sell off your investments in the market you pay capital gains taxes on their growth above your deposit amounts.</p><h4>Emotional Payoff: The Value of Peace of Mind</h4><p style="margin-left:30px;">While financial growth is important, don’t discount the mental and emotional benefits of living mortgage-free. For many people, knowing their home is fully paid off, especially heading into retirement, brings a deep sense of security and peace. It’s not always about maximizing returns; sometimes it’s about reducing stress and creating a simpler financial life.</p><h3><strong></strong></h3><h3>The Right Decision for You</h3><p>Most financial advisors tell you to invest the extra money instead of making extra mortgage payments.  On paper, they’re right.  Over the long haul, you’ll usually be better off financially by investing, rather than speeding up the repayment of a mortgage loan; especially in low-interest rate environments.  But before making a decision, ask yourself what’s important to you.  Do you have the discipline to set that money aside and let it grow in the market?  Can you handle the ups and downs of the market?  Or is it more important to you to pay off your mortgage in 15 or 20 years instead of 30, and have no mortgage payment?  The right decision for someone else might not be what’s right for you.</p><h3>Know How to Make Extra Payments the Right Way</h3><p>If you decide to pay extra on your mortgage, make sure the money is applied to your loan’s principal balance—not just to future scheduled payments. Many lenders allow you to specify this when making a payment. It's always a good idea to confirm with your mortgage servicer so your extra payments work the way you intend.</p><h3>Something to Keep in Mind: What Else Could You Do With That Money?</h3><p>Before locking your funds into mortgage payments or long-term investments, think about your broader financial picture. That $500 a month could help you:</p><ul><li>Max out your retirement accounts</li><li>Build a college fund for your kids</li><li>Pay down higher-interest debt, like credit cards</li><li>Increase your savings for future large expenses<br /></li></ul><p>Evaluating the opportunity cost, what you give up by choosing one path over another—can help clarify your best move.<hr /></p><h3>Metro Credit Union | Best Home Mortgage Loans in Omaha, NE</h3><h3><strong></strong></h3><p><a href="/resources/financial-calculators/mortgage-loan-calculator">Metro Credit Union Mortgage</a> is the home lending side of Metro Credit Union. Buying your first home is a big step, but it doesn't have to be a scary one. The more you know about the home buying process, the more confident you'll feel about making these important decisions that will shape your future. When you're in the market for a home loan, you know you can trust your credit union to provide a great rate, great service, and all with fewer and lower fees. And, we've got you covered with a wide variety of lending options. Use our financial calculators for calculating a <a href="/resources/financial-calculators/mortgage-loan-calculator">mortgage</a> or <a href="/resources/financial-calculators/mortgage-refinance-calculator">refinance</a>.</p>

You may have wondered whether it makes sense to pay extra toward your mortgage, or if you should invest the money. It’s a good problem to have, but there isn’t one right answer for everyone.

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Aug 14, 2023

ITMs Adding Service For Our Members

<div><img src="/images/default-source/blog-article-images/itm.jpg?sfvrsn=40c30366_0" title="ITM" data-displaymode="Original" alt="" /><p>by Justin Michaelson</p><p>I remember my first job as a bank teller when it was the 90’s. There was one green screen computer for the whole branch to share that looked like it could barely run The Oregon Trail. You could pull up account information by typing a string of codes, but the balances displayed were at least a day behind. This is because transactions were processed on glorified calculators, spitting out miles of ticker tape which were shipped, along with stamped Cash-In & Cash-Out slips and checks, to processing centers to start updating the account ledgers. Checks were sorted and mailed to their originating banks so they could clear, which took 3-5 days. Back then, balancing your checkbook was essential for anyone with a bank account in order to have a good idea of how much money you had at any given time.</p><h3>ITMs Adding Service For Our Members</h3><p>Since then, advances in technology have streamlined how banks operate, and how people can interact with their banks and accounts. Online banking revolutionized account access. From real-time balances showing pending debits and credits, to transaction alerts, to making transfers from your home computer or smartphone, depositing checks by taking a photo, and linking external accounts to automate payments and transfers between them. Metro has implemented these technological advances to offer our members features that save time, offer peace of mind, and allow you to do much of your banking anytime, from anywhere. Now Metro is utilizing another technology that will provide more access for more of our members.</p><h3>Interactive Teller Machines</h3></div><div><p>Metro is in the process of installing Interactive Teller Machines, or ITMs, in place of our traditional drive-thru tube system. ITMs are already up and running at our 144th & F St. location, with Fontenelle, 50th & L, and 111th & Maple soon to follow. Our ITMs use a combination of Online Banking, ATM, and Remote Check Deposit technologies to handle the many types of transactions typically done through a drive-thru.</p></div><div><p>Our ITMs allow you to do all the things you would expect, like check the balances of your accounts, transfer funds between them, make loan payments, and withdraw cash. They also do a few more things that Metro sees as an added convenience to our members. Not only can you withdraw cash from your account, but you can now withdraw any amount down to the dollar, and have your cash dispersed in any denominations you choose.</p></div><div><p>Previously if you needed to make a deposit after-hours, you were stuck sealing your cash or checks in an envelope to put in the night-drop, or deposit in the ATM for a teller to pull out and process the next business day. Metro’s new ITMs can now count and total up to 50 bills or checks at a time, and deposit them directly to your savings, checking, or even apply toward your loan.</p><h3>These services are now available to our members 24 hours a day, 7 days a week, 365 days a year. </h3></div><div><p>This gives you more freedom to do your banking on your time, and addresses needs expressed by small business owners, nurses, and other members who work second or third shifts that haven’t had the same level of access to all of Metro’s services in the past. By inserting your Metro debit card & entering your PIN, you have access to all the accounts you’re associated with, to complete any transaction you would have in the drive-thru, at any time. And while the software is intuitive and easy to use, should you ever have questions or need any assistance, you have the ability to video chat at the ITM with one of our virtual tellers, who are local Metro employees, and are available during normal banking hours. </p><p>ITMs are just one more way Metro is your local banking advantage.</p></div><div><p> </p><h3>Metro Credit Union</h3><p> With lower rates than other types of loans, a HELOC could be the key to helping you pay for a major expense without having to jeopardize your credit or rack up debt on high-rate credit cards. Understand more about a Home Equity Line of Credit through <a href="https://save-and-succeed.metrofcu.org/articles/understanding-second-mortgages" data-sf-ec-immutable="">Metro’s FREE Save and Succeed financial</a> resource. To apply for a HELOC, simply fill out Metro’s <a href="https://www.cmg.loanliner.com/loanrequest/presenter/c4c1403a-6ba8-43fa-ac2b-bbc7aeef25ae/1" data-sf-ec-immutable="">easy-to-use online application</a> and you will be on your way to feeling comfortable with your finances and achieving satisfaction with your home.</p></div>

Hello! My name is Justin Michaelson, and I am the new e-Commerce and Social Media Coordinator for Metro. In my first blog post, I'd like to provide insight into our implementation of ITMs, and outline some of the additional services they offer.

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Aug 14, 2023

Security Reminder: New Phone Scam Alert

<img alt="" src="/images/default-source/blog-article-images/security.png?sfvrsn=b640c2d0_0" data-displaymode="Original" title="security" /><br /> Criminals are using new and brazen tactics to gain access to member accounts. In recent days, Metro has had a noticeable increase in fraudsters calling the Credit Union posing as members and the techniques they are using are very convincing. <br /> <br /> In recent cases, criminals will call the Credit Union posing as a member and they have at least one piece of member information, like a Social Security Number, possibly obtained from one of the many data breaches reported in the media. When the Metro employee asks for other information to verify the identity of the caller, the criminal says they will have to get it and call back.<br /> <br /> These criminals then call the member whose account they are trying to access. They use a spoofed Caller ID that identifies them as calling from “Metro Credit Union”. The criminal tells the member “fraud is suspected on your account” and they ask the member for the same identifying information the Credit Union employee just requested. After they get the additional information (such as a password or driver’s license number) the criminal calls the Credit Union again; this time armed with more information to pretend to be the member.<br /> <br /> <strong>You can protect yourself and your account by <span style="text-decoration: underline;">never</span> giving personal or account information <span style="text-decoration: underline;">to anyone who calls you</span>, regardless of the name that comes up on caller ID. </strong><br /> <br /> Legitimate employees from financial institutions obtain your identifying information when you open an account. They may verify information when you call them, but they would not call you and ask for this information. If anyone calls you claiming to be from a financial institution and asks you for personal or account information that they should already have, decline to answer. Ask them for their first and last name and tell them you’ll call them back, but do not use a phone number they give you. Find the phone number independently, call the institution and ask for that person. Then explain to the institution what has occurred.<br /> <br /> Criminals are getting more creative, and some of these fraudsters are very good at convincing people they are legitimate. In one case, they even told the member they were cancelling her Credit Card and reordering a new one. They are getting better at using technology; spoofing Caller IDs and creating convincing email addresses to add to their credibility. <br /> <br /> You can protect yourself and save yourself a lot of time by simply being skeptical of anyone calling you who starts asking for information. If you believe this has already happened to you, please immediately <a href="tel:402-551-3052">call Metro</a> and report the event.<br /> <br />

Criminals are using new and brazen tactics to gain access to member accounts. In recent days, Metro has had a noticeable increase in fraudsters calling the Credit Union posing as members and the techniques they are using are very convincing.

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Aug 11, 2023

Difference Between Credit Unions and Banks

<p>When people decide to start building their savings, the first place most think of is a bank. For most individuals, however, a credit union might be a better choice. So, what are the benefits of a credit union over a big bank?</p><h3>Banks Run on Profit</h3><p>Banks have outside investors, so one of a bank’s priorities is to make money for them. The focus on maximizing profits for investors can lead to less-favorable terms, higher interest rates on loans, and more fees for their customers.</p><p>Credit unions are owned by their customers, making them members of their financial institution. Instead of keeping investors happy, credit unions are often more focused on proving a better service for their members. At Metro Credit Union, we are here for the benefit of the people who bank with us. That’s our mission – since day one.</p><h3>Banks Are More Affected by Market Variables</h3><p>In the financial crash of 2008, certain banks were hit hardest because their drive for profit led them to make riskier investments.  Many banks required a government bailout to keep them from going under. </p><p>Credit unions weren't affected nearly as much during this crash. In fact, many credit unions saw tremendous growth after the crash as many consumers moved away from the big banks and to their local credit unions.</p><h3>Banks Play in Other Markets</h3><p>You can view a bank as a tree with several branches extending to other financial avenues like investment trading, foreign exchange and large-scale business investments. The money to invest in these other branches comes from their customers in the form of higher interest rates and fees.</p><p>Credit unions invest in their members instead, by focusing on providing financial products with good rates and terms and services to make banking easier and more accessible. At Metro Credit Union, your business is our priority.</p><h3>Credit Unions Offer Local Control</h3><p>Most credit unions, including Metro, serve a local community. Decisions are made by managers and a volunteer Board of Directors.  Choices about products and services, branch locations and technology, and even interest rates and fees are made by people who like you who also bank with the credit union.  </p><p>Decision making at big banks is often controlled by outside investors looking for big profit. National banks are now buying smaller community banks, meaning decisions that affect their local customers are being made halfway across the country.</p><p>Credit unions keep control in the hands of people who bank with them. It's one more reason why they can be superior to banks and why, in the long run, your money can go further with a credit union.</p><h3><hr />MAYBE THE BANK YOU'RE LOOKING FOR ISN'T A BANK AT ALL<sup>®</sup></h3><p>Choosing between a bank and a credit union comes down to what you value most in your financial institution. If you’re looking for better rates, lower fees, and more personalized service, a credit union like Metro may be the right choice. Unlike banks, which focus on generating profits for investors, we prioritize our members’ best interests. </p><p>Metro Credit Union's commitment to conservative operations and providing value has led to steady growth year after year. With market-leading rates on auto and mortgage loans, fewer fees, and a customer-centric approach, we’re here to meet your needs today, tomorrow, and for years to come. <a href="/about-us/contact-us">Contact us</a> today to experience the benefits of banking with a financial institution that puts you first.</p><p> </p>

Credit unions are becoming increasingly popular, and there are many reasons why they might be better than heading straight to the bank.

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Aug 11, 2023

International Fraud Awareness Week: Using Cash-Transfer Apps

<p><img alt="" src="/images/default-source/blog-article-images/fraud-aweness.jpg?sfvrsn=f72d2f06_0" data-displaymode="Original" title="fraud-aweness" />There are multiple Cash-Transfer Apps, such as CashApp, Venmo, Zelle, FBPay, that allow you to transfer funds from your bank account, to another person’s account that is using the same app/service. Many scammers are making bogus listings on websites such as: </p> <ul> <li>Craigslist</li> <li>Facebook Marketplace</li> <li>NextDoor</li> <li>Instagram</li> <li>Etsy</li> <li>etc.</li> </ul> <p>Are requesting payment via one of these scam Cash-Transfer Apps.</p> <h2><strong>International Fraud Awareness Week: Scam Using Cash-Transfer Apps</strong></h2> <p>If a Metro Credit Union member falls for these scams, sends payment via a scam Cash-Transfer Apps, and then doesn’t get their product, we have no ability to get their money back for them. This is because we cannot hold CashApp, Venmo, etc. liable for non-receipt of goods. The only service cash-transfer apps provide is moving cash from one account to another. </p> <h3>Never use Service to Purchase Products</h3> <p>Members should only use these cash-transfer services to send money to people they know and/or trust, because Metro has no way to dispute these transactions, if they were initiated by our member. They should never use these services to purchase products or services, unless these exchanges are being made in person. Examples would be purchasing merchandise from a band at a concert, or purchasing items while at a trade/craft show. If information is used through the Mobile Wallet, you can make purchases, pay and manage your money whenever and however you need it. Some even allow you to use your Metro Credit Union card as your default to easily make payments. <a href="/services/mobile-wallet">Learn more about how to turn your SmartPhone into your wallet</a>. </p> <h2><strong>Metro Credit Union Omaha Mobile Wallet</strong></h2> <p>A mobile wallet allows you to make purchases with your smartphone, tablet or smartwatch without having to carry around your physical plastic cards. This convenient access helps you shop, pay and manage your money whenever and however you need it. There are many mobile wallets to choose from. When you’re comparing features, be sure to check which mobile device is required and which merchants accept the wallet. Some even allow you to use your Metro Credit Union card as your default to easily make payments. </p> <ul> <li><strong><a class="external" href="https://www.android.com/pay/" target="_blank" rel="noopener">Android Pay</a></strong> is available for smartphones and tablets with Android 4.4 KitKat and above. Android Pay can be used at hundreds of thousands of stores. <a class="external" href="http://www.digitaltrends.com/mobile/android-pay-guide/" target="_blank" rel="noopener">Learn more about Android Pay</a>.</li> <li><strong><a class="external" href="http://www.apple.com/apple-pay/" target="_blank" rel="noopener">Apple Pay</a></strong> assigns a unique account number with a transaction-specific security code each time you make a purchase. Numbers are never stored on Apple servers or shared with merchants, so your card number and identity remain secure. <a class="external" href="http://www.apple.com/apple-pay/" target="_blank" rel="noopener">Learn more about Apple Pay</a>.</li> <li><strong><a class="external" href="http://www.samsung.com/us/samsung-pay/" target="_blank" rel="noopener">Samsung Pay</a> </strong>is simple to use with the latest Samsung Galaxy devices. Whether you’re at the local convenience store, the neighborhood florist, or your favorite boutique — you’re good to go. <a class="external" href="http://www.digitaltrends.com/mobile/samsung-pay-news/" target="_blank" rel="noopener">Learn more about Samsung Pay</a>.</li> </ul>  

Learn more about how to prevent fraud when using cash-transfer services.

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Aug 11, 2023

Buying a Used or New Car: Things to Consider

<p>When the decision to buy a vehicle arises, there are a number of things to consider before signing on the dotted line. Taking time to research and understand the car financing process can help secure the best deal. Buying a car is a significant investment and having a clear understanding of what you want and need in that vehicle will ultimately help you get the best deal for your money.</p><p>A few of the factors that come into play when deciding to purchase a vehicle are the cost, whether to buy new or used, fuel, hybrid or electric, and auto loan financing options. This article features factors to take into consideration before purchasing an automobile.</p><h3>Extras</h3><p>A good place to begin is by making a list of features, or extras, you'll want your vehicle to have. The desire to have the latest and greatest features can be one of the top factors in deciding what car is right for you. If there is no compromising those extras, then looking into a new car may be the way you want to proceed. However, if having the latest technology is not a priority, looking into purchasing a pre-owned vehicle with good features and a reasonable price range may be best. Purchasing a well-maintained used vehicle can provide a balance of features and affordability.</p><h3>Price Comparison</h3><p><strong></strong>When looking into a new vehicle, a price comparison is typically not as high of a concern since it's generally easier to predict. Still, do your homework as dealership prices and promotions will vary.</p><p>Buying a used car will require a keen attentiveness on your part. Obtaining a detailed analysis of market price ranges can give you better insight into the proper estimate of what you can expect to pay.</p><h3>Fuel Efficiency</h3><p><strong></strong>Customarily newer automobiles are more fuel efficient than their preceding models. If fuel efficiency is one of your top priorities, it would certainly be worthwhile to look into a newer vehicle. On the other hand, if fuel economy is not as high a priority, an older vehicle that has been well taken care of would be worth consideration.</p><h3>Depreciation</h3><p><strong></strong>Another matter to be aware of is depreciation, which is the reduction in the value of a car at the time of sale. Depreciation is not as huge a concern when buying an older car, but the latest models are prone to considerable depreciation within the first year. You may want to contemplate purchasing an older automobile for greater savings.</p><h3>Checking the VIN</h3><p><strong></strong>The Verification Identification number (VIN) is a unique combination of letters and numbers assigned to every vehicle. Every repair or change made to a vehicle throughout its life is tracked through its VIN. When purchasing a used vehicle, a little investigation will give you a detailed history of how that particular vehicle has been maintained and repaired. There are online resources available to retrieve a car's history.</p><h3>Inspection Matters</h3><p><strong></strong>The inspection criteria are different for new and used cars. The inspection of a new car simply includes a review of the documentation along with a demonstration highlighting the vehicle's features by a salesperson. Older vehicles will need a more detailed inspection. Hiring a professional mechanic before the purchase of a used car is always a good idea, as it can be risky to rely solely on the seller's claims.</p><h3>Your Satisfaction</h3><p>Whether you choose to buy a new or used car, self-satisfaction should be one of your foremost considerations. If you feel dissatisfied at any stage of the car buying process, that may be a reason to take a step back and re-evaluate your options.</p><hr /><h3>Get the Best Auto Loan Rates with Metro Credit Union<br /></h3><p>Finding the right financing is just as important as choosing the right vehicle. Metro Credit Union offers competitive auto loan rates, helping buyers secure affordable monthly payments on both new and used cars. With flexible terms, low-interest rates, and a streamlined loan approval process, Metro Credit Union makes car financing simple and stress-free.<br /></p><p><a target="_blank" href="/loans/auto-loans">Apply today</a> to get pre-approved and drive off with confidence, knowing you have an auto loan that fits your budget. Contact our team at Metro Credit Union to explore car financing options and start your car-buying journey the right way!</p>

When the decision to buy a vehicle arises, there are a number of things to consider before signing on the dotted line. Take the time to research and become familiar with the car buying process.

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Aug 11, 2023

Car Loan With Bad Credit in Omaha

<p>Bad credit happens for all kinds of reasons; medical bills, divorce, lost jobs, or simply not paying bills on time.  Sometimes bad credit can prevent you from getting what you want, whether it’s a new apartment or a new cell phone plan.  Other times, bad credit can affect how much you pay for something, like insurance companies that charge higher rates to people with bad credit.  While bad credit may create obstacles, it doesn't always prevent you from securing an auto loan. Today, many lenders offer subprime card loans, but the terms, including interest rates and loan conditions, will vary based on credit history.</p><h3>How Bad Credit Affects Getting Approved for a Car Loan</h3><p>Lenders adjust their loan terms based on risk assessment. A history of missed payments or high debt usage can lead to higher interest rates on car loans, making it crucial to compare offers before making a decision. Remember, everyone with bad credit has a reason, but the lender doesn’t know you. All they know is they more losses on bad credit loans than good credit loans, so they adjust their loan offerings accordingly. </p><h4>Higher Interest Rates</h4><p style="margin-left:30px;">The first is simple; lenders charge higher interest rates to borrowers with bad credit.  When people with really good credit are paying 5% in interest, someone with really bad credit might be paying 20%.  That means the lender can afford to have five defaults for bad credit loans compared to good credit loans and still make the same profit.  It also means the borrower with bad credit has a monthly payment of $570 per month instead of $370 on a $25,000 loan for 72 months.  It’s the same car at the same price, but the borrower with bad credit pays $14,000 more in interest over the term of the loan. </p><h4>Down Payment</h4><p style="margin-left:30px;">Lenders might also require a borrower with bad credit to have a down payment whereas someone with good credit can borrow for the full price of the car plus taxes and license.  That’s because starting with a lower loan amount compared to the price of the car reduces the lender’s risk.  If you have bad credit, saving for a down payment or having a trade-in can improve your chances of getting approved by lowering the loan up-front and showing you're invested in repaying the loan.</p><h3>Improving Your Credit Score</h3><div><p>A lower credit score often leads to increased borrowing costs, but taking steps to improve financial standing can open the door to affordable car loan plans in the future. The good news is bad credit doesn’t have to last forever. Today, many lenders approve loans based on your credit score. You can improve your credit score very quickly by first attacking balances on your credit cards.</p></div><ul><li>Paying off outstanding balances, particularly on credit cards, helps raise credit scores.</li><li>Consistently making payments on time builds a positive payment history.</li><li>Saving for a down payment improves loan approval chances and reduces overall costs.</li><li>Refinancing down the road can help secure lower used car loan interest rates after improving credit.</li></ul><hr /><h3>Metro Credit Union | Best Car Loan Rates in Omaha</h3><p>At Metro Credit Union our goal is to help you get the best deal possible, whether you finance with us or not! We'll use our resources to determine if you're paying a fair price for a new or used vehicle, whether you're getting the maximum out of your trade, and determine if your loan rate is competitive. All of this at no charge, with no sales pressure. It just makes sense to start your car buying experience with someone you trust, your credit union! Plus, we offer great deals on <a target="_blank" href="/loans/auto-loans#:~:text=Vehicle%20Protection%20Plans">extended warranties & GAP insurance</a>. </p><ul><li><a href="/loans/auto-loans">View our Auto Loan Rates</a></li><li><a href="/about-us/blog/metro-blog/2023/08/11/buying-a-used-or-new-car-things-to-consider" data-sf-ec-immutable="">Learn about things to consider when buying a used or new car.</a></li></ul>

One thing that bad credit usually doesn’t prevent you from getting is a car loan. Today, nearly anyone can get a car loan, even if you have bad credit.

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Aug 11, 2023

Metro Credit Union to Eliminate Return Fees

<img src="/images/default-source/blog-article-images/metro-credit-union-to-eliminate-return-fees-1.jpg?sfvrsn=84010cb8_0" title="Metro-Credit-Union-to-Eliminate-Return-Fees-1" data-displaymode="Original" alt="" /><p>Metro Credit Union, a local financial institution, is one of the first in the area to announce the elimination of return fees to help consumers reduce or avoid overdraft fees.  Describing the need to reduce the fee burden on consumers as, “the right thing to do,” Chief Executive Mike McDermott told the OWH that most studies on overdraft fees can be misleading.  While many checking account studies show the average of overdraft fees to be $120 to $150 per year, the cost for many accountholders is likely much higher because the majority pay no overdraft fees.  “For families struggling to make ends meet, it’s not uncommon to see overdraft fees every month,” said McDermott.   </p><h3>Cost Increases</h3><p>Citing costs for food, energy, and housing rising faster than wage growth, he expects the problem to get worse as more consumers run out of income to cover living expenses sooner in their paycheck cycle.  Predictably, this will lead to more overdrawn accounts.  According to McDermott, “The most meaningful way for us to benefit struggling families in the Metro area is to help them avoid fees.”</p><h3>No Return Fees</h3><p>To this end, the credit union will completely eliminate Return fees by March 10.  Return fees are the service charges assessed when an item is returned to a merchant unpaid because the account has insufficient funds to cover the item.  McDermott calls fees on returned items especially impactful for consumers because merchants typically charge their own fees when an item is returned to them. </p><h3>Overdraft Fees</h3><p>But what about overdraft fees for items that are paid instead of returned to the merchant?  Metro has a plan to reduce fees for paid items that bring the account to a negative balance as well.    “We started to see family budgets getting stretched, and last year we began doing some things to reduce the number of fees charged,” said McDermott.  Metro allowed checking accounts to be overdrawn by $10 without an overdraft fee, capped the number of fees consumers can be charged in a day, and gave consumers extra time to bring in deposits before incurring an overdraft on Debit Card purchases.  </p><p>This March, Metro will go further.  The credit union will increase the “no-overdraft fee” cushion on checking accounts from $10 to $50.  According to McDermott, the credit union believes it can prevent a lot of overdraft charges by “letting account holders use $50 of Metro’s money at no cost, and free of overdraft fees.”  Metro is also eliminating overdraft fees for items $5.00 or less regardless of account balance, to forever end the $37 cup of coffee.</p><h3>Metro Credit Union</h3><p>McDermott admits eliminating all of these fees will have a negative impact on Metro’s bottom line, but also understands the impact these fees have on a consumer’s bottom line. “It will definitely be felt in the short-term, but a lot of things have changed in financial services the last couple of years and not all of them have been good.  In the end, this change is just the right thing to do.” </p><p>Read the original article from the <a href="https://omaha.com/sponsored/metro-credit-union-eliminates-return-fees-ceo-says-its-the-right-thing-to-do/article_d9f3f322-93f9-11ec-858a-2febc02662e4.html" data-sf-ec-immutable="">Omaha World Herald</a>.</p>

Metro Credit Union, a local financial institution, is one of the first in the area to announce the elimination of return fees to help consumers reduce or avoid overdraft fees.

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Aug 11, 2023

Metro’s Checking Accounts Will Put a Smile On Your Face

<p><img src="/images/default-source/blog-article-images/checking-accounts-smile-on-your-face.png?sfvrsn=ccc96804_0" title="Checking-Accounts-Smile-On-Your-Face" data-displaymode="Original" alt="" /></p><p>Checking accounts not only provide a safe place to store your money, but they also offer the convenience of easy deposits and withdrawals. Whether you are looking for a true no-cost checking account or one with all the bells and whistles, Metro has you covered. Metro has updated its checking account services with these two excellent checking options: <a href="/accounts/checking-accounts">Simply Checking</a> and <a href="/accounts/checking-accounts">Complete Checking</a>. </p><p>What should you look for in a checking account? <a href="https://save-and-succeed.metrofcu.org/articles/what-should-i-look-for-in-a-checking-account-and-how-do-i-open-one" data-sf-ec-immutable="">Learn more from Metro's Save and Succeed resource</a>, and you can <a href="/accounts/checking-accounts">compare the differences between our Simply Checking and Complete Checking accounts</a>. This <a href="https://save-and-succeed.metrofcu.org/videos/checking-and-transaction-accounts" data-sf-ec-immutable="">Save and Succeed video</a> shares more about the basics of checking account benefits. </p><h3>Checking Accounts</h3><p>Simply Checking is your no-cost checking account with Metro Credit Union. Online and mobile banking, ATM access, and a free debit card are all included with your Simply Checking.</p><p>Metro's Complete Checking is the account that has everything for you - all the benefits of Simply Checking plus more is included. Gain access to online and mobile banking, ATM access, and a free debit card, <a href="https://save-and-succeed.metrofcu.org/articles/pros-and-cons-of-interest-earning-checking-accounts" data-sf-ec-immutable="">earn monthly interest</a>, free BillPay, and your first box of checks are free.</p><p>Never get an NSF return fee again with a Metro Credit Union Checking Account. You will also have peace of mind knowing that you will pay no overdraft fees on charges of $5 or less, and you can use up to $50.00 of Metro's money to cover transactions without a fee. Read more about this announcement from the <a href="/about-us/blog/metro-blog/2023/08/11/metro-credit-union-to-eliminate-return-fees" data-sf-ec-immutable="">Omaha World-Herald</a>.</p><h3>Metro Credit Union in Omaha</h3><p>Metro Credit Union has earned a reputation for exceptional personal service and great value in banking with consistently high marks for trust, integrity, low loan rates, and better overall service. If you are located in any of the <a href="/about-us/who-we-are">eight counties in Nebraska and Iowa that Metro can serve</a>, you need to get started with a Metro Credit Union <a href="/accounts/checking-accounts">checking account</a> today! </p>

Checking accounts not only provide a safe place to store your money, but they also offer the convenience of easy deposits and withdrawals.

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Aug 11, 2023

Advantages and Disadvantages of Certificates

<p><img src="/images/default-source/blog-article-images/cd_blog.jpg?sfvrsn=fa3b0d2d_0" title="cd_blog" data-displaymode="Original" alt="" /><br /></p><p>Besides savings accounts, another way of earning interest from financial institutions is by starting a <a href="/accounts/certificates">Certificate</a>. When money is deposited into an account at a financial institution, it becomes a part of the total deposits. These funds can now be used to lend to other customers/members. One of the ways by which financial institutions overcome this issue is by offering a Certificate. A Certificate is an agreement between the customer/member and the financial institution that the customer will not withdraw any cash within a fixed period in return for a higher rate of interest on those funds. The period in which the depositor is not allowed to withdraw cash varies depending on the terms of the Certificate. The terms can be as short as three months and as long as five years. Generally speaking, the longer the terms of a Certificate, the higher the <a href="/resources/all-rates#savings">interest rate</a>.<br /></p><p>Though Certificates are considered to be a solid investment tool, just like any other investment, Certificates also have their own strengths and weaknesses that should be considered.<br /></p><p>The following are a list of advantages and disadvantages of a Certificate to consider: </p><h3>Advantages</h3><h4>Flexible Terms</h4><p style="margin-left:30px;"><strong></strong>The terms and the amounts that can be deposited into a Certificate are flexible. If you are not willing to tie up your money for a long time, you can easily opt for a shorter term Certificate. At the end of a Certificate term, you can renew that Certificate or start a new one.</p><h4>Safety</h4><p><strong></strong>Certificates that are available from a federally insured institution are generally insured up to $250,000. This takes much of the risk out of the investment.</p><h4>Better Return Than Saving Accounts</h4><p style="margin-left:30px;"><strong></strong>Since the Certificate holder is not allowed to withdraw money freely like savings account holders, Certificates are more valuable to the financial institution. For this reason, the interest rate offered to Certificate holders is higher than a traditional savings account.</p><h4>Wide Selection</h4><p style="margin-left:30px;"><strong></strong>You can get Certificates of various maturities and terms from different banks and credit unions. Because of the diversity of Certificates, investors can find a Certificate that meets their individual needs.</p><h4>Fixed, Predictable Return</h4><p style="margin-left:30px;"><strong></strong>The investor can be sure about getting a specific yield at a specific time. Even if the interest rates come down to a broader economy, the Certificate rate will remain constant. You will be able to easily determine the rate at which your balance will grow, thus making financial planning easier. </p><h3>Disadvantages</h3><h4>Limited Liquidity</h4><p style="margin-left:30px;"><strong></strong>The owner of a Certificate cannot access their money as easily as a traditional savings account. To withdrawal money from a Certificate before the end of the term requires that a penalty has to be paid. This penalty can be in the form of lost interest or a principal penalty. To increase flexibility, the investor can create a Certificate Ladder, which is composed of Certificates with different maturity dates and terms. With a laddering strategy, you have more options to access your Certificate savings at different intervals of time.</p><h4>Inflation Risk</h4><p style="margin-left:30px;"><strong></strong>Certificate rates may be lower than the rate of inflation. This means that your money may lose its purchasing power over time if interest gains are outdone by inflation rates.</p><p>With these advantages and disadvantages in mind, it is wise to consider that Certificate advantages usually outweigh the disadvantages. Certificates allow you to grow your savings without hassle. You can easily compare different types of CD’s with the help of online resources, and you can find one that best suits your needs. Visit Metro Credit Union’s <a href="/resources/all-rates#savings">rates</a> to learn more.</p><hr /><p></p><h3>Alternatives to Certificates</h3><p>If the commitment and limited liquidity of Certificates don't align with your savings goals, Metro Credit Union offers several flexible alternatives that can still help you grow your money effectively.</p><h4>Money Market Accounts</h4><p style="margin-left:30px;">Money market accounts combine the higher earning potential of Certificates with the accessibility of checking accounts. These accounts typically offer tiered interest rates that increase as your balance grows. While the dividends earned are generally lower than a certificate, they're ideal for members who want better returns than traditional savings but need occasional access to their funds.</p><p></p><p></p>

Besides savings accounts, another way of earning interest from financial institutions is by starting a Certificate. Compare different types of Certificates with the help of online resources, and you can find one that best suits your needs.

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Aug 11, 2023

Auto Leasing: Should I Buy Out My Lease?

<img src="/images/default-source/blog-article-images/should-i-buy-out-my-lease.png?sfvrsn=e80ff854_0" title="Should-I-Buy-Out-My-Lease" data-displaymode="Original" alt="" /><br /><p>Car ownership is as individual as you are with choices of leasing or purchasing. When leasing a car, you only pay for a portion of the car’s actual cost while acquiring a new or used car. So, if you are leasing a car, you only pay for that portion of the car that you have used over the years of your lease agreement.</p><h3>How Does Auto Leasing Work?</h3><p>Auto leasing has been growing in popularity and has its own set of considerations. In basic terms, a lease means that you have the vehicle for a fixed number of months. Consequently, you only pay for the use of the car during that period, the full depreciation of the car is not forced upon you. One of the benefits of leasing a car is the low out-of-pocket cost. Auto leasing requires little or no down payment and when you return the vehicle at the end of the term you pay end-of-lease costs and walk away.</p><p>If the vehicle is being used for business purposes, a lease may offer business tax advantages. Many people choose to lease a new car, as it allows them to get a higher value car, while not being required to pay the whole price of the car. If you lease a car, you can easily trade that car for something else once the lease terms are up. As part of the lease agreement, the resale value of your car is predicted and put in writing. If a buyout option was part of your lease agreement, you typically have the option to buy your leased vehicle at the end of your lease. The alternative is to return the car to the dealership. If the decline in the value of the car is much faster than predicted, it will have no effect on the lease agreement. This can be beneficial for you if you decide to purchase the car after the end of the lease.</p><br /><img src="/images/default-source/blog-article-images/should-i-buy-out-my-lease-2.png?sfvrsn=bf590ff1_0" title="Should-I-Buy-Out-My-Lease-2" data-displaymode="Original" alt="" /><br /><br /><h3>What is an Auto Lease Buy-Out?</h3><p>When your car lease is up, you may need to decide whether to return the car or do a lease buyout and purchase the vehicle. A lease buyout loan lets you buy the car you're already driving from the leasing company for a predetermined price. The decision that makes sense for you depends on your budget, the car’s price, and whether you really want the car.</p><h3>Questions to consider when buying out your lease:</h3><ul><li>Is the car worth more than the purchase-option price?</li><li>Did you exceed your mileage limit?</li><li>Does the car have excessive wear and tear?</li><li>Can you afford the monthly payment on an auto loan?</li><li>Do you love the car?</li></ul><p>If you answered “Yes” to most of the above questions, it could make sense to buy out your lease. If you answered “No” to a few questions, it may not make sense to buy out the auto lease and you may decide to lease a new car. Don’t forget to compare buying a used car to your lease buyout price to see if you can get a better deal on a similar used vehicle elsewhere.</p><h3>Payment Options for Auto Lease Buyouts</h3><p>Choosing a lease buyout option may be expensive. When you get the option to buy a leased car the vehicle is typically just a few years old and its residual value can be pretty high. While you can pay the lease buyout amount with cash, there are financing options should you need it. Some lenders that offer auto loans for new or used cars also offer loans you can use to buy out a lease.</p><h3>Metro Credit Union in Omaha, NE</h3><p>Are you wondering more about <a href="/loans/auto-loans">buying a car</a> or leasing a car? Take Metro’s free 35-minute <a href="https://save-and-succeed.metrofcu.org/courses/buying-or-leasing-a-car" data-sf-ec-immutable="">Save and Succeed</a> course to learn more about these options. You’ll feel confident as you sign on the dotted line to receive the keys to your next set of wheels. </p>

Auto leasing has been growing in popularity and has its own set of considerations. In basic terms, a lease means that you have the vehicle for a fixed number of months.

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Aug 11, 2023

Make Your Home Bloom This Spring with a HELOC

<img src="/images/default-source/blog-article-images/house874e7ce0-f032-4ded-9363-0312e8d4103e.png?sfvrsn=970e3620_1" sf-size="100" alt="" /><p>You’ve probably heard the saying, “April showers bring May flowers.” Spring is the perfect season to refresh both your space and your finances. You can add appeal to your home by planning a major renovation or making a few simple upgrades.</p><p>Metro Credit Union’s<a href="/loans/heloc" target="_blank"> Home Equity Line of Credit (HELOC)</a> gives you flexible access to your home’s value to fund your projects. With a competitive rate and easy access to funds, you can start bringing your vision to life this spring. </p><h3>WHY USE A HELOC FOR HOME IMPROVEMENTS?</h3><p>Homes are likely to be the biggest investment and asset that most people will ever own. Using your home equity to fund improvements is a smart way to increase its value and enjoy the upgrades now. Many people choose to invest in renovating existing rooms or adding more usable space, If you want to sell your home, but the house needs updates before you can put it on the market, a HELOC might be a great fit for expanding your budget and maximizing your options.</p><h4>A HELOC gives you flexible access to cash, for projects like:</h4><ul><li>Building a new deck, patio, or pool</li><li>Adding a pool or landscaping upgrades</li><li>Renovating your kitchen or bathroom</li><li>Finishing a basement or attic for more living space</li><li>Making updates before putting your house on the market</li></ul><img src="/images/default-source/blog-article-images/kitchen-reno23a41195-1e6e-4150-b39f-abc70042ca51.png?sfvrsn=e3377f0f_1" sf-size="100" alt="" /><h3>WHAT IS A HOME EQUITY LINE OF CREDIT?</h3><p>A home equity line of credit works like a credit card, but with lower interest rates and higher borrowing limits. You can tap into the line multiple times during the draw period, repay them, and borrow again during a set draw period.</p><p>When home prices increase, homeowners may have more equity in their homes and are treated to more borrowing power through a HELOC. Explore how much you could borrow using Home Equity Line of Credit calculator.</p><h3>THE BENEFITS OF A HOME EQUITY LINE OF CREDIT </h3><ul><li>Ideal for both planned expenses and unexpected repairs</li><li>Lower interest rates than most personal loans or credit cards</li><li>Flexible access to funds when you need them</li><li>Potential for interest to be tax-deductible (consult a tax advisor)</li></ul><h3>FIXED OR VARIABLE RATE HELOC</h3><p>When applying for a HELOC, you’ll need to choose between a rate that can change over time and one that stays the same. To understand the differences and decide which is right for you, visit our latest blog post.</p><h3><hr />WHY CHOOSE METRO CREDIT UNION?</h3><p>Metro’s HELOC comes with competitive rates, simple terms, fast approvals, and personalized service. A Home Equity Line of Credit could be just what you need to cover a major expense without jeopardizing your credit or racking up debt on high-interest credit cards. Tap into Metro’s HELOC to enjoy the flexibility and financial support you need.</p><p>Understand how to manage your HELOC responsibly and learn how to make the most out of your house through Save and Succeed, Metro’ personal finance program. </p><p><a href="/loans/heloc" target="_blank">Apply online</a> today and let your home bloom this season.</p>

Is your family looking to update your backyard with a pool, patio or deck? If you want to sell your home but your house needs updates before you can put it on the market, a HELOC might be a great fit.

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Aug 11, 2023

Should You Pay Off Your Car Before Trading It In?

<img alt="" src="/images/default-source/blog-article-images/trade-in-graphic.png?sfvrsn=2a18b3b3_1" sf-size="100" /><p>Buying a car with a car loan is a great decision for many people, as it allows them to drive the car they really want, without saving up for several years. In fact, for many people, this will be the only way to afford the kind of vehicle they always imagined driving.</p><p>But it does create some more complicated questions that you may not have considered. For example: should you pay off your car entirely before you trade it in? Let’s find out.</p><h3>Cars Are Depreciating Assets</h3><p>The first thing to keep in mind is that a car is what is known as a depreciating asset. That means that unlike property, or cash in the bank, your car’s overall value gets lower the longer you have it. New cars depreciate the most in the first year, and the second most in the second year.  Annual depreciation starts to even out in about year four.</p><p>That means that in most cases, unless you had a big down payment or trade-in, you will owe more on the loan than the car is worth for the first few years you’re driving your car. This is what we call negative equity, or being “upside down” on your loan. It’s a really bad thing in property, but it’s fairly common in the early years with a new car.</p><p>Today, many people buy cars with no down payment, and because we want to drive a nicer car with a lower payment, we might finance the car for six or seven years.  When we do that, it causes us to be upside down on our loan or have that negative equity position longer.</p><p>Now here’s the problem: if you trade in your car too soon, and you still have negative equity, you will either have to finance the negative equity into your next loan, or you will have to come up with that amount of money in cash.  Depending on how much your car depreciated and how long you financed the car, that could be several thousand dollars. </p><p>If you have good credit many lenders will carry that negative equity into your next car loan.  But when that happens, as your new car depreciates faster than your loan balance goes down, you have that amount plus the negative equity from your last car.</p><p>Does that mean you should always pay your car loan off before you trade it in for a new car?  Not necessarily.  While cars depreciate more in the first year or two, they tend to depreciate more slowly after that.  Your car loan works the opposite way; it will amortize more slowly while the balance is high and more of your payment is going to interest, and then the loan balance decreases more quickly in later years as more of your payment goes to principal.  At some point during the term of the loan, your loan balance and the value of your car will be equal.  The timing of that will be different for every car and every loan, but when that happens, you can trade your car in with no negative equity!</p><h3>Factors that Influence Your Trade-In Timing</h3><p>So, when does it actually make sense to trade in a car you still owe on? The most favorable time is after the early years, when your loan balance finally matches or drops below the current market value of your car. This is called having positive equity, and it usually happens around years three or four of a standard car loan especially if you made little or no down payment. If you trade too early, you’ll likely have negative equity, which means you’d either need to pay the difference out of pocket or carry it over into your next loan.</p><p>You might also consider timing your trade-in before your car hits major mileage milestones, like 60,000 or 100,000 miles, or before your factory warranty expires. Used car values are often stronger in spring and early summer, so market timing can give you a boost. </p><p>In years where used car demand is high, it may be possible to break even or even trade out of negative equity earlier than usual. In every case, it’s smart to check your current payoff and compare it to your car’s trade-in value before making any decisions so you know exactly where you stand.</p><h3>There Are Other Considerations</h3><p>There are other factors that can influence whether or not you should trade your car in before it is paid off. For example, most cars are out of the manufacturer warranty after three years.  Obviously, repairs on cars tend to increase as cars age, and car repairs today can be very expensive.  Gas prices can affect your decision to trade in your car.  Perhaps your existing car is an SUV and gas prices were lower when you bought it or you’ve moved farther from where you work.  Repair costs and gas, in addition to your payment, are all part of the cost of ownership.  So, depending on your situation, it can make sense to trade in a car even if you still have a little negative equity.</p><p>The type of car, cost of the car, how long you finance it for, and how soon you can trade it in all work hand-in-hand.  If you spend less, or finance the car for a shorter period of time, you can trade it in sooner and be under warranty for more of the time you’re driving.  But, it will likely mean you have to compromise on the car you can drive or payment you can afford.</p><hr /><p> </p><h3>Metro Credit Union | Best Car Rates in Omaha</h3><p>Our goal is to help you get the best deal possible, whether you finance with us or not! We'll use our resources to determine if you're paying a fair price for a new or used vehicle, whether you're getting the maximum out of your trade, and determine if your loan rate is competitive.</p><p>All of this at no charge, with no sales pressure. It just makes sense to start your car buying experience with someone you trust, your credit union!</p><p>Plus, we offer great deals on extended warranties & GAP insurance.</p><p><a href="https://save-and-succeed.metrofcu.org/topics/cars" data-sf-ec-immutable="">Learn about things to consider when buying a used or new car.</a></p>

Buying a car on finance/with a car loan is a great decision for many people, as it allows them to drive the car they really want, without hurting their cash flow.

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Jul 19, 2023

Sweetheart Scam Season Is in Full Swing

<p><img src="/images/default-source/blog-article-images/sweetheart-scam-blog-image.png?sfvrsn=e08c383a_0" style="float:left;" title="sweetheart-scam-blog-image" data-displaymode="Original" alt="" />Recently, we have seen an uptick in sweetheart scams, also known as romance scams. Some of our members have been tricked into accepting bogus checks or allowing ACH deposits to their accounts, and then sending money to scammers before Metro is notified that the deposits are fraudulent. The other more concerning cases have involved members being convinced to give these criminals their online banking logins, allowing the scammers to commit all sorts of theft and fraud. Unfortunately, the member is left dealing with the unrecoverable theft of their money, and an online relationship they believed was genuine.</p><h3>ELDER SCAM </h3><p>As technology advances, so do the tactics of fraudsters looking to exploit unsuspecting individuals. Elder scams specifically target senior citizens, taking various forms such as phone calls, emails, and in-person encounters to gain access to financial information, personal data, or directly steal money from their victims.</p><p>Visit this <a href="/resources/blog/metro-blog/2024/08/19/a-guide-to-understanding-and-preventing-elder-scams" target="_blank">comprehensive blog</a> If you want to learn more about why seniors are often targeted, common scams they face, and practical steps to protect them.</p><h3>What is a romance scam? </h3><p>A romance scam is when a criminal adopts a fake online identity to gain a victim’s affection and trust. The scammer then uses the illusion of a romantic or close relationship to manipulate and steal from the victim.  This grift can go on for months before the theft occurs, with the scammer sharing photos, talking on the phone, but never meeting in person.   <a href="https://www.fbi.gov/contact-us/field-offices/houston/news/press-releases/1-billion-in-losses-reported-by-victims-of-romance-scams" target="_blank" data-sf-ec-immutable="" data-sf-marked="">As reported by the FBI</a> a record $1 billion was reported lost by over 24,000 victims of romance scams in 2021.</p><h3>How do romance scams work? </h3><p></p><p>Romance scams often originate through online dating sites or apps, however victims are also targeted through social media sites like Facebook. The scammer will engage in ongoing conversation for as long as it takes to make the victim feel comfortable and confident in their "relationship". </p><p>Then the scammer will present a story or reason why they need money, such as emergency surgery, or being unable to pay for travel to finally meet in person. Scammers often pose as someone living outside of the country, often for work or military duty. They will ask for money to be wired to them or loaded onto gift cards. More recently, they are asking for the victim's online banking login, stating this will make it easier to send them money, when in fact it opens the victim up to all sorts of theft and fraud, which cannot be reversed.</p><p></p><h3>How to protect yourself? </h3><div><p>The bottom line is to never send money or gifts to a sweetheart you haven't met in person and never share your online banking logins. In addition, learning to spot the red flags of romance scams will ensure that your search for companionship doesn't lead to the theft so many people experience year after year. </p></div><h4>Red Flags: </h4><div><ul><li>Temporarily living internationally </li><li>Fast developing relationship </li><li>Attempts to isolate you from friends and family </li><li>Repeated broken promises to meet in person </li><li>Requests your financial information </li></ul><p><hr />Most of all, it’s important to regularly discuss the dangers of elder scams and encourage the seniors in your life to ask their family and friends for help if they’re unsure about a situation. Remind them you’re just a phone call away.</p><p>Check our <a href="/services/fraud-protection" target="_blank">fraud protection</a> page regularly for current scams updates, and insights on how to protect your personal information, your loved ones, and your money. For more information on romance scams, how to spot them, and who to report them to, <a href="https://consumer.ftc.gov/articles/what-know-about-romance-scams" target="_blank" data-sf-ec-immutable="">click here to read a recent report from the Federal Trade Commission</a>.</p><p>If you suspect that you or a loved one has been scammed, it’s crucial to act quickly:</p><h3>Contact Metro</h3><p><a href="/services/fraud-protection" target="_blank">Report</a> any unauthorized transactions and request to freeze your accounts.</p></div>

Recently, we have seen an uptick in sweetheart scams, also known as romance scams. Read this important article to protect your loved ones from being victimized by these criminals.

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Feb 16, 2023

Scams Targeting the Vulnerable are on the Rise.

<p><img src="/images/default-source/blog-article-images/vulnerable-scams-blog-photo.png?sfvrsn=9cc02d6b_0" title="vulnerable-scams-blog-photo" data-displaymode="Original" alt="" />Just about everyone with a smartphone has received a scam text message alerting them to some fake crisis with their Debit Card or Social Security Number. While falling victim to these frauds can be costly in terms of time and money, they are nothing compared to scams being perpetrated on the most vulnerable, mainly the elderly, or those physically, socially, or emotionally isolated. Unfortunately, one unforeseen consequence of the pandemic is an increase in the number of people who’ve become isolated, and in the past year we’ve seen a dramatic increase in these types of scams.</p><p>Criminals prey upon the emotions of these individuals using fear, friendship, excitement, romance, or a combination. The types of swindles we are seeing include:</p><ul><li><strong>Eminent Arrest Scams:</strong> criminals posing as government representatives or members of law enforcement threatening eminent arrest unless the victim sends money.</li><li><strong>Lottery Scams:</strong> victims are told they’ve won a lottery but need to pay various taxes or fees before the funds can be released. </li><li><strong>Grandparent Scams:</strong> criminals pose as grandchildren who have had some mishap and need money immediately, and the grandparent is the only person they can turn to for help. </li><li><strong>Romance Scams: </strong>criminals target lonely individuals making them believe they’ve found their soul mate online. Oftentimes, victims are tricked into getting “engaged” to someone they have never met. Once trust is established, in-person meetings are promised but never occur because of some obstacle that requires money to overcome.</li></ul><p>Criminals are incredibly effective at getting victims to trust them, and at convincing them not to talk to or trust anyone else, including family and friends. In every scam other than those involving eminent arrest, the victim describes the criminal as “a friend of theirs”. These scams never end until one of two things happen: 1) the victim gives the criminal every dollar they can lay their hands on (sometimes including their entire retirement savings or equity in their homes), or 2) a family member or friend intercedes on behalf of the victim.</p><h3>So, what can you do to protect the vulnerable people you care about?</h3><img alt="" src="https://www.metrofcu.org/images/default-source/advertisements/blog-photo.png?sfvrsn=f5e99b6d_1" sf-custom-thumbnail="true" width="750" sf-constrain-proportions="true" sf-size="100" data-sf-ec-immutable="" />First and foremost, talk to your friend or family member about the types of scams criminals use and techniques they employ to get money <em>before</em> that person falls victim to a scam.  <ul><li>Explain that criminals can easily get access to phone numbers. Immediately delete any text messages from someone they don’t recognize or haven’t done business with.  Government entities like the IRS, law enforcement, and lottery officials do not send text messages demanding money.</li><li>Tell your friend or family member that government officials and law enforcement never demand payment via wire transfers for cryptocurrency or prepaid gift cards.</li><li>Never give card numbers, account passwords or login credentials to anyone that contacts them.</li><li>Legitimate government officials or law enforcement never tell people not to speak to or trust anyone else.</li><li>Explain to your friend or family member that criminals successfully scam victims out of billions of dollars every year, so always be skeptical of anyone who asks for money over the phone. Tell them there is no legitimate crisis so great that they cannot talk to you before sending money. </li><li>Encourage your friend or family member to talk to you before ever sending money to someone they’ve met online. This can be very difficult if the person is lonely because they may believe they have a true friend, and they will be horribly embarrassed by the prospect of being scammed by this person.</li></ul><p>While many members contact the Credit Union before sending money or giving away account information, in other situations we only become aware of the scam after victims have sent thousands of dollars to criminals. Usually, by the time this occurs, the vulnerable individual is so deep into the scam it’s very hard to convince them they are a victim. The best way to protect the vulnerable people you care about is by arming them with information about these scams before they occur.</p>

Just about everyone with a smartphone has received a scam text message in the past.

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Jan 6, 2023

Financial Scams In The Digital Age & How You Can Protect Yourself

<div><p><img src="/images/default-source/blog-article-images/financial-scam-blog.jpg?sfvrsn=e6f05591_0" title="financial-scam-blog" data-displaymode="Original" alt="" />With so much card activity moving online, it’s more difficult to sniff out fraudulent activity than ever before. In addition, scammers are getting better and better at impersonating merchants and banks as technology advances. In this article you will learn about the most common scams currently taking place, how to spot them, and ways you can better monitor your account and avoid scammers.</p></div><div><h3>Card Block Text Alerts</h3><p>The scam we are seeing most this year involves criminals sending bogus text notifications stating your card or account has been locked. The text will often provide a link or a number for you to call to remove the block. Their goal is to get you to provide your personal and account information so they can get the missing pieces they need to commit fraud with your money.</p><p>The links in these texts are often malicious themselves and can install viruses and malware on your device just by clicking on them. Some links may take you to an official-looking website, and may even attempt to mimic your financial institution. In any case, they will want you to provide your personal and account information to “fix” the issue.</p><p>If they provide a number to call, they will try to get that information from you over the phone or may try to convince you to download apps so they can help unlock you. These apps provide remote access to your device, allowing the scammers access to your smartphone, and the information and apps on it, including your online banking.</p><h4>How can you protect yourself?</h4><p>Know that Metro will never send a link through a text message. If you receive one of these texts, do not click a link or call the number provided. Instead, go to metrofcu.org and call us at our published number or reach out to us through Message Center via online banking.</p><p>If you receive a call from someone stating they are from Metro and it feels off in any way, hang up and call Metro at our published number. Metro Credit Union will never ask you to verify your information if we are calling you and will always encourage you to call us back to ensure your safety and peace of mind.</p><h3>Cash Transfer Scams</h3><p>Cash transfer services like Cash App and Venmo have become a popular way for friends and family to send each other money for a variety of reasons, like splitting a dinner bill, paying a friend back for a concert ticket, or sending a child spending money while they’re off at college.</p><p>The growing adoption and ease of use of these services have caught the eye of criminals looking for new ways to scam people into sending them money. The primary tools they’re using are online marketplaces like Craigslist, Nextdoor, or Facebook Marketplace. Scammers will place bogus ads for highly sought-after items, such as newly released electronics, or in many cases, pure-bred puppies.</p><p>These scammers will always have plenty of pictures to provide of what they are “selling”, and will always require you to pay before the exchange through one of these cash transfer services. Once that money is transferred, they will either request more money for a variety of reasons or simply block you from communicating with them further.</p><p>The real problem is it’s often not possible for Metro to recover these funds from the merchants, as they were not at fault for the scam, and the funds have already been moved out of the scammer’s cash transfer account.</p><h4>How can you protect yourself?</h4><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;"></span><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Never send money to anyone using cash-transfer services that you don’t know and trust. Cash transfer services cannot be held liable for the non-receipt of goods, because they are not payment processors. They simply send your cash.</span></p></div><h3>Gift Card Scams</h3><p>Similar to cash transfer scams, criminals will ask for payment via gift cards instead of through a traditional means of payment. This is an anonymous way for them to steal your money and cannot be reversed once you give them the redemption code and they drain the money from the card.</p><p>In these situations, scammers will often call you pretending to be with collection agencies, the IRS, or other law enforcement, and use scare tactics like threatening arrest if fines aren’t paid immediately. They will then request payment via store-bought gift cards, and once again, that money is not able to be recovered from the store the gift card was purchased at, from the gift card company itself, or through a dispute claim because the gift card was purchased legitimately.</p><h4>How can you protect yourself?</h4><p><span style="background-color:transparent;color:inherit;font-family:inherit;font-size:inherit;text-align:inherit;text-transform:inherit;word-spacing:normal;caret-color:auto;white-space:inherit;">Understand that local, state, and federal government agencies do not collect payments via gift cards and will not call you regarding owed fines or taxes. Legitimate collection agencies also do not collect funds in this manner, and you should be extremely wary of anyone attempting to collect payment by gift card for a product or service you haven’t received yet.</span></p><h3>Bogus Order Confirmation</h3><p>A long-standing phishing scam involves criminals sending emails posing as large online retailers confirming a high-dollar purchase. This is meant to scare you into clicking the links provided to cancel the order, which will install malware on your device, or to get you to call a bogus customer service phone number, where a scammer will answer and attempt to get the information they need to actually steal your money.</p><h4>How can you protect yourself?</h4><p><strong></strong><strong></strong>If you receive an email like this and did not order the product, do not click any links and do not call the number on the email. Instead, log into your Metro account, or reach out to our Customer Service, to ensure no recent charge has been made from your account. If there is no suspicious account activity, it means the scammer does not have the information needed to commit fraud against you. Simply delete the scam email. If there is anything suspicious, our staff will assist in ensuring you, and your money, are secure.</p><p> </p><p>Metro Credit Union in Omaha, NE</p>

Scammers are getting better and better at impersonating merchants and banks as technology advances.

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