Be on the look out
Keep an eye out for some great enhancements coming soon to Neighbors Online Banking
Want to pay your loan online?
Your Neighbors have moved to a new home
Neighbors celebrated the grand opening of our newest branch, located at 10338 Sullivan Road in Central, on December 20th, 2011.
This 4200 square foot facility is designed to serve our members with the latest in comfort and convenience. With twice the square footage and drive thru capacity of the previous Central branch, we will be able to better serve you in our new home.
Stop by and visit us at our new and improved location. We hope to see you there.
Neighbors Federal Credit Union will hold its 58th Annual Business Meeting on Tuesday, March 27th, 2012. The meeting will be held at the Neighbors FCU Perkins Branch, 12529 Perkins Road.
Registration will begin at 5:00 pm with the meeting scheduled to start at 5:30 pm.
Light refreshments will be served. All members are invited to attend.
Your Permanent Record Credit Reports
As more people realize that their financial goals are influenced by their credit history, consumer interest in building credit has skyrocketed. Understanding how to use and build credit is critical in order to achieve borrowing power with the lowest costs and deposits.
Credit Reports:
These reports are an objective history of your financial behavior. They include account histories, lender contact information, your borrowing and repayment history, a list of companies who have looked at your credit, information on any bankruptcies, tax liens and monetary judgments.
Credit Reporting Bureaus:
The three main credit reporting bureaus are Experian, Equifax and TransUnion. They store credit information provided by your lenders on your financial history. The credit report provided to consumers is more detailed and contains information that is not provided to lenders.
Credit Check:
Consumers can obtain a free copy of their credit report every year from each of the credit bureaus at www.annualcreditreport.com. Also, consumers are eligible for an additional free credit report each time they are denied credit.
Review and Verify:
Be sure to review all the accounts on the report and verify that the information is correct. Incorrect information can be disputed and removed from the report, but accurate information will remain. Most negative information “falls off” your credit report after 7-10 years, but some items may not be removed such as IRS or court liens.
Building or Rebuilding Credit:
The only way to build credit is by borrowing money (and paying it back as agreed) from a company that reports to the credit bureaus. A couple of low-cost and low-risk ways to develop a good credit history include obtaining a secured loan or secured credit card; just six to twelve months of good payment history will start to improve your report.
Setting Goals...And Reaching Them!
Achieving your dreams and creating the future you want always begins with one important first step: a goal. Whether you're looking to help your child set goals so she achieves academically or have your own financial or self-improvement goals for the New Year, there IS a science to setting and meeting them.
A 2010 study in Applied Psychology followed college students who went through a multi-step goal setting program. Those who followed it completely showed significant improvement in their grades compared to those who did not.
While New Year's resolutions are notoriously short-lived, a clear process will put any objective you've set for yourself within reach. No matter what you have in mind, you can apply these steps to whatever goals are important to you, and the whole process should take less than 90 minutes.
1. Take a few minutes to write about the future you'd like to achieve. It's okay to start with a vague idea, but include as many specific details as possible.
2. Looking at the future you've envisioned for yourself, pick six specific and attainable goals that could help you achieve that future.
3. Number your goals according to their order of importance.
4. Look at each goal and write a paragraph about how achieving that specific step will benefit you.
5. For each goal, break it into smaller more manageable steps.
6. Identify obstacles that may get in the way and come up for a strategy for overcoming them should you need to do so.
7. Write about your commitment to reaching these goals.
That's it. Sound easy? Perhaps. But by taking the step of committing your goals to paper and working through these steps, you've laid the groundwork for success.
A goal is simply a dream with a deadline....may all your dreams come true!
Neighbors Members Save Up to 30% on All Dell Products
Dell® knows there’s a techno gadget-loving geek in everyone. That’s why they’ve teamed with Invest in America to offer credit union members exclusive discounts of up to 30% on all of their products. From laptops, tablets and smartphones to HDTVs, printers and cameras, Dell has it all and Neighbors FCU members can save on it!
Discover the happiness Dell, Invest in America and fantastic discounts can bring at LoveMyCreditUnion.org.
Neighbors Federal Credit Union. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.
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