Learning Library

Special CD Rates

Ditch the Jar & Take Your Savings to the Next Level It’s never too early or too late to begin saving for your future. The key is to do it now! Even without specific goals, knowing you have the extra cash will give you a feeling of accomplishment. Viriva offers tools to help you get […]

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Win a Hoverboard

Use your debit card for a chance to win a hoverboard Every time you use your Viriva Mastercard® Debit Card with a Signature you will be entered for a chance to win! Need a Debit Card? DOWNLOAD an application or CONTACT US to apply today! One (1) Prize Winner will be selected on or about […]

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What You Need to Know About CDs and Share Certificates

HOW TO MAKE YOUR SAVINGS GROW Q: I’ve finally saved a little money and I want to put it away in a low-risk investment where it’ll earn something. What are my options? A: Your best bet is probably a Share Certificate of Deposit.  It is similar to CDs at banks. Be sure to check on […]

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3 Reasons Why You Should Refinance Your Car Loan

Refinancing your vehicle loan can lead to a lower monthly payment, a shorter term, or both! Bills are a lot like bad weather. They’re going to come anyway, so you might as well not try to fix them, right? For some bills, that’s the case. For others, though, you can make a big difference in […]

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Mistakes First-Time Homeowners Make

Q: My husband and I have been renting an apartment since we got married. We recently decided to buy our first home. Some friends of ours had lots of trouble with the process, and wound up buying a house they can’t really afford. We don’t want to go through what they did. What can we do […]

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Bring Your Kitchen To Life

4 Ways To Bring Your Dream Kitchen To Life The kitchen is the heart of the home. It is more than where you whip up meals. It is where we catch a quick morning chat over coffee or linger over dinner in the early evening. It is where life happens. It’s also the area of the […]

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Financial Mistakes of our 20s & 30s

Combating The Financial Mistakes Of Our 20s & 30s People starting out in their careers often focus on the here and now while ignoring the future when it comes to finances. As you climb the ladder of success, you tend to think that the raises and promotions will endlessly continue. It can seem like you […]

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Youth Budget Building Activity

Educate your child about the importance of budgeting with this simple, yet challenging, budget building activity! Though it’s hard to believe it when you’re knee-deep in their laundry and begging them to do their homework, your little ones won’t be young forever. Some day, they will be all grown up and have homes of their […]

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Curb Impulse Purchases

Just Say No! Teach Your Child To Curb Impulse Purchases It’s no secret that impulse buys can wreak havoc on even the most carefully constructed budget. And retailers know this all too well – that’s why the checkout counters in groceries, pharmacies and large shopping centers are packed with dozens of things you may not […]

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EMV Chip Debit Card Upgrade

Members will soon be able to enjoy the benefits of EMV chip technology when using their Debit Card! Here’s what you need to know: Use your card at any merchant that accepts Mastercard® Debit Cards. Your card can be used at chip & non-chip terminals. There are no added costs or fees. The new chip […]

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Charge Your Phone In Public?

Charging Your Phone In Public? Watch That Port! Smartphones have become ubiquitous, and having a charged cellphone provides a sense of security. That’s why, when the battery meter starts to dip, a cold sense of panic rises in your stomach. Many public places have begun to adapt to this change by providing USB ports in […]

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Chip EMV Technology

The Scoop On Chip EMV Technology Are you a swiper or a dipper? Chances are, you have at least one EMV chip-enabled card in your wallet. EMV, which stands for Europay, Mastercard and Visa, was introduced in the U.S. about 18 months ago. The cards are also called smart cards, chip cards and smart-chip cards. […]

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Improving Your Credit Score

Save Money By Improving Your Credit Score If you’re suffering from a low credit score, you are not alone! Millions of people in the U.S. have credit scores so low they have a hard time getting loans with good rates and terms. Improving your credit score can save you thousands of dollars in loan interest fees. […]

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“CAN YOU HEAR ME” SCAMS

“CAN YOU HEAR ME” SCAMS The FEDERAL COMMUNICATION COMMISSION (FCC) recently published a consumer alert warning consumers about a scam where callers seek to get their victims to say the word “yes” during the call. The response is recorded and later used to authorize fraudulent charges. All Viriva members should be aware that we would […]

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Retirement Savings Account

Retirement will come sooner than you think! With the passing of a new year, retirement will be here before you know it!  It’s never too early or too late to start saving for your retirement so consider opening a Retirement Savings Account at Viriva Community Credit Union to get started! We make it easy – […]

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Filing For Bankruptcy

The Consequences of Filing For Bankruptcy People declare bankruptcy when they are not able to pay off their debt. It is usually a last resort however, many people feel it is a good way to eliminate their debt obligations. There are long term consequences to seriously consider before doing so! Declaring bankruptcy will negatively affect your […]

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MEMBER’S CHOICE Borrower’s Security

HELP PROTECT YOUR LOAN & PRESERVE YOUR STANDARD OF LIVING WITH MEMBER’S CHOICE BORROWER’S SECURITY! • About 1 in 8 of today’s 20-year-olds will die before reaching age 67.1 • Just over 1 in 4 of today’s 20-year-olds will become disabled before reaching age 67.1 • Long-term unemployment (those jobless for 27 weeks or more) […]

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Strong Password Tips

Having a strong password can make it difficult for criminals to hack into your online accounts. So many web sites require a password nowadays. The problem, though, is that most of us are not very clever when creating our passwords. The top passwords are: password, 123456, 12345678, welcome, jesus, ninja, and mustang. If one of these […]

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Tips to Buying A Car

Purchasing a car can be exciting and scary. Follow some of the tips below to help ensure that you have a pleasant experience and get the best possible deal. Car Buying Tips: Buy when you don’t have to – Don’t wait until your present car has broken down and you’re desperate. Shop for special financing […]

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Is Your Identity Safe?

Identity theft is a serious crime. Several major companies (Target, Neiman Marcus, Michael’s, etc.) have recently had breaches. The following are some ways you can protect yourself from becoming a victim. Leave your Social Security Card in a safe place. Do not keep it in your wallet or write it on checks. Protect your PIN. […]

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