Learning Library

Protect Yourself From Pet Scams this Holiday Season

Don’t Fall “Fur” Pet Scams You’re in the market for a furry new friend! You’re getting all gooey-eyed thinking of that small, wet nose, those big, droopy eyes, and those happy, frisky barks. And the online ad you’ve seen for an adorable little puppy makes you believe that dream is well within reach—and well within […]

Read more

Manage My Card

Control Your Debit or Credit Card from your Mobile Device Tis the season of shopping! It can be a fun and fulfilling time, however if you’re caught in the whirlwind of holiday fun and lose track of your debit or credit card – you can easily secure your account with the new ‘Manage My Cards’ […]

Read more

A step-by-step guide to making a holiday budget

Ah, the holidays. It’s a time for seasonal cheer, catching up with family, and for some—financial panic! If you recently looked at the calendar and realized gift-buying season is closer than you thought, don’t worry. We are here to help you organize your finances by making an effective budget. Follow these steps to avoid going […]

Read more

Take your Financial Planning to the Next Level

Everybody wants to have a healthy financial life, but according to a recent survey, only 57% of adult Americans understand basic financial concepts. A lack of knowledge isn’t just bad for your brain; it’s dangerous for your wallet. So here are some simple actions (based on fundamental financial concepts) that will boost your saving power. […]

Read more

Season of Giving

Viriva is giving back in a huge way! This season, we are lending a helping hand to those in need. Starting November 15 if you sign up to receive an eStatement, buy a visa gift card, or donate a nonperishable item Viriva will make a charitable donation to Covenant House or Philabundance. Your effort will benefit […]

Read more

A Spouse’s Pre-Deployment Financial Checklist

Have a Plan to Help Relieve Money-Related Stress Getting ready for a husband or wife in the military to be deployed is an emotional time. Financial issues might not be at the front of your mind, but having a plan in place before your spouse leaves can help relieve money-related stress later on. Attend a […]

Read more

Paying For Your Education

Your dreams are within reach Wondering how to pay for college? Scholarship competitions can be a great way to get some extra money to put toward your education. Dedicating a small amount of effort to applications and essays can yield a surprisingly significant scholarship that you’ll find was well worth the time commitment. Choose Wisely […]

Read more

Dealing With a Financial Setback

Financial setbacks come in all shapes and sizes. It can be an expensive household repair or major car trouble. It may be increases in your insurance plus a rent hike taking effect at the same time. Or, it can be something more extreme, like getting a pay cut at work- or even being given a […]

Read more

Ask Before You Buy

Your car is one of the largest purchases you’ll make. Before arranging financing, ask these questions: More Resources › 1. How much am I borrowing? While you’ll want to borrow enough to cover the negotiated purchase price of the car, factors such as sales tax, titles and registrations, and other service add-ons should be taken […]

Read more

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 […]

Read more

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 […]

Read more

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 […]

Read more

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 […]

Read more

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 […]

Read more

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 […]

Read more

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 […]

Read more

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. […]

Read more

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. […]

Read more

“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 […]

Read more

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 – […]

Read more