Gulf Winds Federal Credit Union Blog

Cybersecurity and Older Americans

We more connected to technology than ever before. We can get our news the moment it happens; we can learn about complex subjects from information sources around the world; we can run errands, do our banking and shopping, without leaving home; and we share ideas and keep in touch with family and friends, no matter their location. All of this is due, in part, to cyber technology. Yet for all of its advantages, increased connectivity brings increased risk of theft, fraud, and abuse.

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Patience or Purchase? The Pros and Cons of Early Tech Adoption

We love checking out the latest and greatest gadgets in the marketplace. No matter what hobby or career you have, it’s a sure bet that someone out there is designing new technology to streamline the process.

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Saving as a Millennial Living with Your Parents

The generation of the internet age is one of the largest and most diverse in the U.S. Although Millennials have been defined by a relationship to technology, the generation has been steadily redefining adulthood. Millennials have adapted and endured in a post-recession economy, their social and global values have inspired change in the labor market, and now one-third of Millennials are living in a parent’s home.

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DIY Party Décor That Won’t Break the Bank

Here in the South, there is no shortage of parties taking place every weekend, all year long. The amount of time, effort, and money that goes into a good party can be overwhelming to hosts, particularly when it comes to decor. With fabulous food and decadent desserts being at the top of what is often deemed most important, there is usually little time – or money – left for decorations.

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Tips for First-Time Borrowers

It’s common to need help financing a big investment such as a car or home, especially, if you are just launching a career.  Financial lenders often look at credit scores and major assets to determine loan eligibility.  In the case of first time borrowers, the likelihood of having a credit history or asset portfolio to review is slim. Fortunately, financial institutions can look at other factors to help prove you are dependable and capable of making payments on a loan.  Here are 4 records that lenders examine when loaning money to first time borrowers who may not have a long history of established credit.

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Chores: Yes. Allowance: Maybe. Teaching Kids to Learn about Work and Money.

Whether you realize it or not, the way you handle chores and allowance will shape your children's views about personal finance. You're teaching kids about money every time you give them an allowance or pay them for chores. Here are some things to consider.

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Increasing Security, Decreasing Fraud – What You Really Need to Know About EMV Card Chips.

With credit card breaches at an all-time high, many people are making the switch to EMV or “Europay Mastercard and Visa” chips to protect their identities and avoid a financial crisis. We’re here to explain how and why such a small change is making such a large impact.

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Save Time and Money with Mobile Bill Pay

Among the many financial responsibilities we have, sitting down for hours to write out checks for bills and deduct balances has to be the most dreaded. The majority of members will agree that their expenses each month are recurrent and fairly predictable. So what if you could cut the hassle and actually benefit from a new spin on paying bills?

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Back to School: The Lunchbox How-To

It’s that time of year again – back to school for the kiddos. They’ve got their supplies, backpacks, and new clothes, but perhaps the most important school-day necessity is a wholesome lunch. After a long, relaxing summer, kids eating schedules (and good habits) are out the window. Get them back into the swing of things by following this guide for a perfect lunchbox combination that maximizes performance, energy, and smiles!

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Mobile Payment: Why Aren’t You Using It?

With technological advances on the rise, it’s no secret that the convenience of banking is at an all-time high. One of the most major breakthroughs is online payment via mobile phone, which cuts time, saves money, and aids in avoiding missed payments and the fees that come with them. So why have only 46% of U.S. consumers tried mobile bill-pay?

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The Advantages of Direct Deposit for Social Security and Other Federal Benefits

Direct deposit is a safe and secure way to receive any regularly occurring payments such as payroll checks, social security or other federal benefits.

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What You Need to Know About RV Financing

If you've been wanting to join the millions of Americans who enjoy their free-wheeling RV vacations, you can, as long as you obtain RV financing. Before you go out and fall in love with the perfect recreational vehicle, do your homework about RV financing.

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How to Manage a Joint Checking Account

No two people are exactly alike, so when two people share a joint checking account there are sure to be some problems from time to time. These problems are compounded when one person is a saver and the other is a spender.

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Finance Lessons for Your Child

Okay, so your child’s financial milestones might not make for the prettiest pictures, but the reality of the matter is that raising children to responsibly manage finances is one of the most important aspects of their upbringing. With that in mind, it’s important to start early.

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Weather Protection Basics for Any Season

We’d say that it’s nearly the season to start worrying about the weather, but isn’t it always? Across stormy spring days, brutally hot summers, and freezing, snowy winters, weather protection for your home isn’t a seasonal concern.

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