Deposit Checks Without Leaving Home: How Mobile Check Deposit Works
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
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 […]Protecting Credit Union Members: Modern Financial Scams to Watch Out For
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" […]Managing Important Documents at Home
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 […]Understanding Dividends – How Credit Union Ownership Pays off
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 […]Unlock Your Financial Knowledge: Discover Our Learning Hub, Your 24/7 Financial Resource Center
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 […]When I was Your Age… A look into the future of personal finance.
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 […]Money Market Accounts are for Everyone!
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 […]Beware of Tap-to-pay Scams: A Cautionary Tale out of Chicago
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 […]CARFAX Discount Debut
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 […]
13
Jan
Your Legacy Federal Credit Union – How Can You Help?
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 […]Stay Safe While Traveling: Holiday Security Tips
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 […]Make Your Holiday Season Merrier with a Christmas Club
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 […]Protecting Yourself from Gift Card Scams: A Credit Union Member’s Guide
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 […]Your Legacy is Hometown Proud!
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 […]CyberSecurity Awareness Month
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 […]Rounding Up for Instant Savings
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 […]Understanding the Role of a Financial Counselor and Their Value to Credit Union Members
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 […]Understanding Share Secured Loans: A Simple Guide
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 […]How Being a Member Helps Your Community
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, […]
15
Jul
Living your Summer Blockbuster Life and How We Can Help!
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 […]Lighten Your Student Loan Burden: Refinance with SparrowFi at Your Legacy FCU
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 […]With Love and Care: Recognizing When Your Elderly Parents Might Need Help with Finances
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, […]
15
May
The Most Common Scam in Seneca County
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 […]
15
May
Leveling Up Your Financial Knowledge
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 […]
15
Apr