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  News You Can Use

Notice of Annual Meeting

All members are invited to Point Loma Credit Union’s annual meeting Wednesday, May 3, 2017.

Help reduce fraud and monitor your Visa and Visa Check Card spending anytime, anywhere with Alerts from PLCU powered by Visa.  

We’ve all been there. It’s been a long day of shopping at the mall, or waiting in an airport, or driving across the country, and we finally get a chance to pull out our phones or laptops and look for WiFi.

There’s just one problem: what if that free WiFi was a trap?  

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  Financial Literacy

Apple Pay, Tokenization And Security: How To Stay Safe With The Wallet Of The Future

Apple Pay and other, similar services use a process called “tokenization” for their security. Tokenization is the use of a non-secure bit of data to stand in for a secure one, like arcade tokens. The secure data is the quarter, which you exchange at a machine for a token. The arcade game never sees the quarter, but accepts the token in its stead.

Keeping A Checkbook Register- A 20th Century Solution To A 21st Century Problem
PLCU shows you a low-tech way to take charge of your monthly spending and recordkeeping. Think check registers went out with parachute pants? Think again!

Your Credit Score: The (Other) Key To Your New Home
Before you even THINK about trying to get a mortgage, you have to make sure your credit score is up to snuff. A low score will cost you big when it comes time to buy a house. So how can you find your score, and how can you improve it? PLCU has the answers!

Adjustable Or Fixed-Rate Mortgage – Which Is Right For Me?
Fixed-rate and adjustable-rate mortgages each have their advantages and disadvantages. PLCU gives you the information you need to figure out which one is right for you!

The Hows, Whys, And Whens Of Rate Locks
It might be tempting to get your mortgage rate set at the time you submit your loan application. As convenient as it sounds, doing so could cost you in the long run. Interest rates don’t change that fast. Over the past year, interest rates have gone from a low of 3.55% to a high of 4.20%.

Why REFUND Is A Four-Letter Word

Retailers across the country expect big sales for the first quarter of the year. They know this is the time of year when 75% of Americans get a big check in the mail courtesy of Uncle Sam. Nobody likes filing their taxes, but everyone likes getting a refund. It's free money, right? Whoa ... hold that thought for a moment.

 Click here for archived Financial Literacy articles



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