Join us February 8th, 2020 for Guardians Credit Union Annual Meeting at the Clayton E. Hutcheson Exhibition Hall. A free continental breakfast will be provided beginning at 9:30 AM with the meeting beginning at 10:00 AM. The exhibition hall is located at 559 Military Trail in West Palm Beach, FL. We'll see you there!
The JV Club Coming Soon...
This all-new program for kids ages 0-12 will launch in 2020.
Teaching kids strong money skills is a courageous act. That's why our Junior Valiant (JV) Account was designed specifically to help parents and caregivers begin those brave conversations about money and how to manage it.
JV teaches children under the age of 12 about the basics of account management from withdrawals and deposits, to savings goals. They'll also have fun earning rewards and prizes while learning the importance of saving money.
So let's take a bold financial step — together.
Did You Know About Our Credit/Savings Builder Loan?
Building your credit is important. Our Credit/Savings Builder loan is designed to help members with no credit, little credit, or unfavorable credit. The loan is used to build or rebuild your credit score. By improving your credit score, you are likely to get better rates on loans, and save a lot of money in the process! Your successful payment history will then be reported to the credit bureaus, which can positively impact your credit score.
Features of the Credit/Savings Builder:
Members request a loan amount of $500–$10,000
Affordable APR1 of 4.00% above the current share savings rate
The approved loan amount is placed in a Guardians CU savings account, not eligible for withdraw, where it will earn interest
Terms up to 60 months
Once the loan is repaid in full, funds can be withdrawn from the savings account as desired!
Protecting Yourself While Shopping Online — What steps should you take?
Provided by Jack Ramsay
Whether you shop online routinely or infrequently, the risk of identity theft rises as you offer more and more information about yourself online.
Avoid using a debit card, and use only one credit card. If your debit card gets hacked, the thieves may be able to access your bank account. But if you use just one credit card for online shopping, you will have only one card to cancel if your card number is compromised. (It would also be wise to keep a low credit limit on that particular card.)
Look for the "https://" before you enter personal information. When you see that (look for the "s"), it should indicate that you are transmitting data within a secure site. Depending on your browser, you may also see a padlock symbol at the bottom of the browser window.
Watch what you click — and watch out for fake sites. Pop-ups, attachments from mysterious sources, dubious links — do not be tempted to explore where they lead. Hackers have created all manner of "phishing" sites and online surveys — seemingly legitimate, but set up to siphon your information. It is better to be skeptical.
Protect your PC. When did you install the security and firewall programs on your computer? Have you updated them recently?
Change stored passwords frequently. Make them unique and obscure. It is a good idea to change or update your passwords once in a while. Mix letters and numbers, and use an uppercase letter if possible. Never use "password" or your birth date as your password!
Don't shop using an unsecured wi-fi connection. You are really leaving yourself open to identity theft if you shop using public wi-fi. Put away the laptop and wait until you are on a secure, private internet connection. Hackers can tap into your Smartphone via the same tactics by which they can invade your PC.