Category: Member Resources

two rows silver of safety deposit boxes with numbers and two keyholes on the doors

Are Safety Deposit Boxes Actually Safe?

Protecting family heirlooms, collectibles, and important documents can lead to an endless amount of worry. Although many of us have been led to believe that safety deposit boxes offered by banks across the United States are safe, it doesn’t mean your property is fully protected. This sense of worry can escalate if you’ve heard the… Read more »

adult male holding a blue credit card sitting at a table using a silver-colored laptop to shop online

Pros & Cons of Online Shopping

Shopping online has quite a few benefits, especially during the COVID-19 pandemic when in-person shopping is either limited or nearly impossible. Purchasing plane tickets, groceries, household necessities, or office supplies has never been more convenient than it is right now. Online stores can also be quite competitive with prices and products, providing shoppers with a… Read more »

black wire-framed glasses on a yellow piece of paper next to a black calculator, loose change, and a green piggy bank

5 Budgeting Tips to Help Save Money & Stay Within Budget

Creating and sticking to a budget is easier said than done. Many of us start the month with the best intentions but then find ourselves exceeding our spending limit. There are several reasons why a person can overspend on their budget. Holiday shopping, overspending on items just because they’re on sale, or forgetting to keep… Read more »

Long Term Budgeting: Planning Past the Present

Successful budgeting can be difficult, even when you’re only thinking about things on a month-to-month basis. Things can get overwhelming when you start thinking about budgeting in the long-term for bigger expenses. For example, like a future home, paying for college, or retirement- in the future. But it doesn’t have to be! In fact, long… Read more »

4 Budgeting Steps to Become a Master

If you’re just starting to really get into budgeting money you may be in a bit of a frustrating situation. You want to be an absolute professional, but you don’t know where to start. Don’t fall into despair quite yet. Becoming a total mastermind at budgeting takes a little bit of practice and patience, but… Read more »

3 Resources for HRCCU Members You Might Not Know About

You bank with HRCCU because you want your money to be safe and sound in an account that you trust. What you might not know is that HRCCU members have access to a bunch of other resources to maximize their finances. Here are three of our favorites that you might not have known about:

3 Reasons to Take Out a Home Equity Loan

If you’ve been a homeowner for a number of years, there’s a good chance that you’re eligible for a home equity loan. But even if you are eligible you may be asking yourself: “Why would I take out another loan?” A home equity loan has quite a few benefits that are worth investigating. Does that mean you… Read more »

4 Ways to Spot Job Scams

Looking for a job can be a stressful process, and the unfortunate reality is that there are scammers out there looking to take advantage of vulnerable people. During a long job hunt without results, individuals can fall for these kinds of scams because of the financial stresses that arise while unemployed. Because of this, online… Read more »

The Truth About Free Trial Offers

When you’re considering signing up for a subscription-based service, that almost ever-present seven-day or 14-day free trial can seem like a huge draw. You think, “Why not give the service a shot for a week or two, especially if it’s at no cost?” While this logic is sensible, the reality is that there are some… Read more »