Learning Library

Holiday Rate Sale

Hurry in to your credit union this season for our holiday rate sale Fund your festivities with a Holiday Signature Loan and receive a $10 Amazon.com Gift Card2 for every $1,000 you borrow!3 Keep the gift for yourself or give it as a gift, the choice is yours. Rates as low as 6.99% APR1; pay […]

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Visa® Gift Cards

Make the holidays sweeter – give the gift of ‘options’ with Visa® Gift Cards It only takes a small, heartfelt gift to make the season bright. Prepaid gift cards are the simplest way to spread joy to everyone on your list! Give Visa® Gift Cards so your loved ones can choose what brings them joy, making the holidays […]

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Holiday Shopping Safety Tips

The Holiday Shopping Season Is a Busy Time Of Year For Thieves! Consider these holiday shopping safety tips. Holiday shopping can be a fun and fulfilling time but it can also mean a busy time of year for thieves. This holiday shopping season consider some of these simple holiday shopping safety tips to protect yourself […]

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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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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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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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Don’t Tax My Credit Union

As Congress considers comprehensive tax reform, big banks and others in Washington think it’s a good idea to tax credit unions. There is a reason credit unions are exempt from income taxes. All credit unions like Viriva CCU are not-for-profit and owned by their members. As not-for-profits, credit unions return what they earn to their […]

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Anytime Adviser Financial Advice

Anytime is the right time for good financial advice Making the right financial decisions is no easy task in today’s crazy-busy world. There are hundreds of variables, and no one has the time to understand them all. Good financial advice can happen any time with Anytime Adviser®! With Anytime Adviser®, you don’t need time – you […]

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