You may have seen new machines in convenience stores or gas stations labeled “Crypto ATM” or “Bitcoin ATM.” They work a lot like regular ATMs — except instead of withdrawing or depositing cash into your bank account, you’re buying cryptocurrency. While these machines are legitimate for people who understand cryptocurrency, scammers have found a way […]
When you’re working hard to save, you want your money to do some of the work too. That’s where Your Legacy Federal Credit Union’s Share Certificates and Money Market Accounts come in. Share Certificates (CDs) Think of a Share Certificate like a safe place for your savings to grow at a set rate. You […]
Look, I know it’s July, but hear me out. We plan ahead now. Back-to-school season brings fresh notebooks, new backpacks, and—for many families—a few financial challenges. From growing kids who need new clothes to college students preparing to live on their own, it’s easy for expenses to sneak up on you. At Your Legacy Federal […]
The year is already halfway over—can you believe it? July is the perfect time to take a breather and look at how your finances are shaping up. Maybe you set some savings goals back in January, planned to reduce debt, or just wanted to feel more confident about your money. No matter where you started, […]
Have you ever answered a call that looked like it was from your bank (or credit union!), a government agency, or even a neighbor—only to find out it was a scam? If so, you may have been the target of phone number spoofing. Let’s break down what that means, how it works, and most importantly, […]
Running out just to deposit a check can be a hassle—especially in bad weather, lacking mobility, or when you're busy. But did you know you can deposit a check using just your smartphone? It’s called Mobile Check Deposit, and it’s safe, simple, and saves you time. Mobile Check Deposit lets you deposit a paper check […]
Understanding HELOCs: Unlock Your Home's Hidden Potential As the weather warms up, you may see more and more financial institutions talking about HELOCs (pronounced as “He Locks”) which is an initialization of “Home Equity Line of Credit”, usually appearing alongside some photos of DIYers tackling a home painting job or putting up a fence or […]
As digital banking becomes increasingly prevalent, scammers are developing more sophisticated methods to target credit union members. Understanding these emerging threats is crucial for protecting your financial well-being. Here's a comprehensive look at the most prevalent scams and how to guard against them. One of the most insidious modern schemes is known as "pig butchering" […]
Have you ever had a moment when you needed a specific document and had to tear your house apart to find it? Or struggled to get rid of paperwork that you weren’t quite sure if it was just clutter and not practical to keep any longer? Finding useful methods to store, safeguard, and destroy documents […]
When you join a credit union, you’re not just another customer, you’re a member-owner. This fundamental difference from traditional banks creates a unique financial relationship that directly helps you through dividends. But what exactly are dividends and how do they work? Unlike banks that pay their profits to outside stockholders, credit unions return their profits […]
We understand that managing your finances and navigating online banking platforms can sometimes feel overwhelming. That’s why we’re excited to highlight our comprehensive Learning Hub – your round-the-clock resource for all things financial. What’s Available in Our Learning Hub? Interactive Tutorials: Step-by-step guides to help you master our online banking platform Financial Calculators: Tools to […]
Generation Alpha is the next up-and-coming generation, being those who were born between the dates of 2010 and 2024. Those born in 2010 are already in high school and have grown up in a fully-digital landscape when it comes to finance and alongside such tech as Cryptocurrencies, Tap-to-pay, digital device integrations, and more. They are […]
Looking for a way to make your savings work harder while keeping your money secure? A Your Legacy money market account might be the perfect financial tool for you. These accounts combine the best features of savings accounts with higher earning potential, all while benefiting from the member-focused approach of our credit union. Higher Yields […]
In a recent incident at a Chicago Target store, what started as an innocent request for a $20 donation turned into a dangerous and costly encounter for one couple. The Incident A couple was approached by two men claiming they needed donations for a brother’s funeral. When the couple agreed to donate $20 the scammers […]
Your Legacy FCU is proud to announce that we are offering discounted CARFAX reports to our membership. For just $20, bring in the VIN (Vehicle Identification Number) of a vehicle to the branch and we will supply a full CARFAX report of the vehicle’s history, service record, and any title transfers and class changes, including […]
Let’s Talk History First Founded on February 20, 1952 as St. Joseph Parish Tiffin Federal Credit Union, with Monsignor Richard H Gabel as first board president, we had 33 accounts totaling $262.50 after one day. By the end of the year, we had 140 accounts totaling $8,763.72 in deposits and $3,118.65 in loans. Total income […]
Keep Your Holiday Travel Merry and Secure The holiday season means increased travel – and unfortunately, increased opportunities for scammers. Here are essential tips to protect yourself and your finances while traveling. Before You Leave Notify our credit union of your travel plans to prevent card blocks Set up mobile banking alerts to monitor your […]
Start Your Holiday Savings Journey Today The holiday season brings joy, festivities, and yes – expenses. Whether it’s gifts for loved ones, holiday decorations, or special meals, December can put a strain on your wallet. That’s where our Christmas Club Account comes in – your perfect partner for stress-free holiday shopping! Why Choose a Christmas […]
Your Legacy Federal Credit Union is committed to protecting our members from financial fraud. We’ve prepared this guide to help you stay safe from gift card scams. How Gift Card Scams Operate Scammers often pose as authority figures or organizations you trust. They may claim to be from the IRS, a utility company, or even […]
At Your Legacy Federal Credit Union, we’re excited to feature our Main Street School Spirit Checks – a unique way to showcase your local pride with every transaction! Local Schools, Local Pride Our Spirit Checks feature the logos of beloved local schools and universities. Now, you can support your alma mater or your children’s school […]
The campaign focuses on the top four ways to stay safe online: Use strong passwords and a password manager Turn on multifactor authentication Recognize and report phishing Update software Strong passwords include non-dictionary words or common names, full phrases, letters, numbers, and symbols, capital letters and lowercase. For instance, instead of using a loved […]
Managing finances can sometimes feel overwhelming or tedious. However, innovative solutions like round-up programs for debit card users are making it easier to save money effortlessly. These programs automatically round up each purchase to the nearest dollar and transfer the difference into a savings account or investment portfolio. Let’s explore the key benefits of these […]
Money is intimidating and as a society, let’s face it, we’re not the best at teaching about money and finances. In the realm of personal finance, managing money, investments, and savings can be a daunting task. This is where the expertise of a financial counselor becomes invaluable, particularly for members of credit unions who seek […]
Imagine you have some money saved up, and you need a loan. Instead of looking for other types of loans, you can use your savings as a guarantee for a Share Secured Loan at Your Legacy Federal Credit Union. It’s like telling the credit union, “I have this money here, let me use it as […]
When you choose to bank with Your Legacy Federal Credit Union, you’re doing more than just managing your money—you’re directly supporting the growth and vitality of Seneca County. Unlike big banks, credit unions are not-for-profit institutions. This means the funds from your deposits are reinvested locally to offer better rates on loans, support community initiatives, […]
In the high-stakes world of financial stability, akin to the explosive action scenes and nail-biting suspense of a Hollywood blockbuster, Your Legacy Federal Credit Union emerges as the hero you didn’t know you needed. Any action hero will tell you that knowing your enemy is a huge benefit when you’re trying to make it to […]
Are you feeling weighed down by your student loan debt? You're not alone. Millions of Americans are grappling with the same challenge. But there's good news: refinancing your student loans could be the key to unlocking significant savings and gaining more control over your financial future. And if you're a member of Your Legacy Federal […]
As our parents age, we often find ourselves in a role reversal, becoming the caregivers for those who once cared for us. This transition can be challenging, especially when it comes to sensitive matters like managing finances. Today, let's talk about how to recognize when your elderly parents might need assistance with their financial decisions, […]
We’ve gotten so many reports of the tech support scam here in Seneca County, so we wanted to touch base and let you know the truth behind the lies scammers tell. It’s a long read, so settle in! There are many ways for the tech support scam to start. Here are some common ones: You’re […]
In today's fast-paced digital world, it's crucial to equip the younger generation with financial literacy skills from an early age. Traditional textbook methods can often be dry and ineffective, leading to disengagement and a lack of retention. Enter gamification or making a mundane task into a game – a revolutionary approach that combines education with […]
Let’s face an inconvenient truth. No scammer will ever end a phone call by saying, “Great talking to you—and by the way, I’m a scammer! Bwa-ha-ha-ha!” No, scammers strive to look and sound as legitimate as possible to convince people of the authenticity of their identities and intentions. This is how they con people out […]
What to Do With Your Files and Documents After Tax Season Tax season is almost over, and most folks can breathe a sigh of relief after April 15th. But what should you do with all those files and documents you’ve accumulated? Here are a few tips: 1. Keep your tax returns for at least three […]
For a limited time, new Home Equity Lines of Credit (HELOCs) may qualify for a 6-month special interest rate of 1.00% APR (Annual Percentage Rate). After the 6-month period, rates will return to the standard rate, currently as low as 8.75% APR as of March 15, 2024. This offer has been extended through July 31, […]
If you have a qualifying new loan or are about to refinance yours with Your Legacy, you can save an additional .25% off your interest rate just by setting up interior automatic payments.
According to a report from IPX1031 almost a THIRD of Americans procrastinate getting their taxes in until the last minute with Millennials (those born from 1981-1996) being the worst offenders. While Ohio is one of the better states about getting it done quickly overall, Columbus is on the list of the top 50 cities that procrastinate. […]
As January unfolds and resolutions are set, many embark on a journey to redefine themselves – physically at the gym or financially in their lives. While fitness centers experience a surge in memberships, the sad truth is that more than 90% of these well-intentioned individuals become “no-shows” after just three months. Much like setting fitness […]
As tax season kicks off, it’s essential to be vigilant and safeguard your personal and financial information from potential fraud. Fraudsters are notorious for exploiting this time of year to launch scams and steal sensitive data. Here are some crucial tips to help you navigate tax season securely and prevent falling victim to tax-related fraud: […]
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