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Louisiana FCU Blog

Louisiana Federal Credit Union Blog

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Ashley Varnam

Ashley Varnam

Ashley Varnam has not set their biography yet

Posted by on in Financial Tips
Q: My husband and I are thinking about purchasing our first home. Where do we start?A: Great question! Buying a home can be thrilling and nerve-wracking at the same time. Before you decide to take the plunge into homeownership, take some time to: Save for a down payment. Pretend you’re paying a monthly mortgage, which will provide you with your down payment funds. Decrease your debt by paying off unwanted bills. Make sure your credit report is up to date. Get a free copy at www.annualcreditreport.com. Figure out how much you can afford. A home is a major investment; most likely...

Posted by on in Financial Tips
Q: Is it too late to refinance my home? A: If you haven’t refinanced in the last couple of years, then you definitely still have time to refinance and save big. With current interest rates on a 10, 15, 20 and 30 year term mortgage ranging between 3.25% – 4.75%, you stand to save thousands of dollars in interest and possibly lower your term. Let’s say you financed your $200,000 home for 30 years at 5.25%, and your balance is currently $175,000. You could refinance it for 20 years at 4.25% and reduce your payment by $20.75. The real kicker is...

Posted by on in Financial Tips
We get quite a few questions about using our Louisiana FCU debit and credit cards oversees, so we asked the experts, Linda and Michelle to answer them for you. Can I use my Louisiana FCU debit and credit card oversees? Linda: Sure. Members can use their Debit MasterCard anywhere they see the MasterCard logo. For security reasons we have non-PIN based transactions blocked in some countries.  Members can call to determine if the country they are traveling to is on that list. Michelle: Members can use their Visa Credit Card anywhere they see the Visa logo. There are no exceptions with...

Posted by on in Financial Tips
I hate to admit it, but I’m an impulse shopper. I have an intense urge to spend. I find it gratifying. It’s fun. It makes me smile. Enter Impulse Saving—an idea that I stumbled upon a few weeks ago at DailyWorth.com. According to the financial whiz kids at Daily Worth, impulse saving taps into the same part of your brain as impulse buying. Here’s how it works: You spot a <insert something you fancy> while you’re out shopping. You cradle it in your hands, and start justifying the expense in your head. (“This is awesome! And it’s only $18.99!”) But instead...
About two weeks ago, I called in a warranty claim to Michael Kors on my favorite watch. The band had gotten really scratched up since I wear it to the office (and constantly bang it against my desk). I kind of knew this wasn’t going to be covered by the warranty, but I figured I’d just give it a shot and see if they could help me out. After hearing my situation, the customer service rep kindly explained that the damage wasn’t covered by the warranty. (Surprise, surprise!) He then went on to tell me how. I could get the band...

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Louisiana FCU
P.O. Box 1956
LaPlace, LA 70069

Phone: 985.652.4990
Toll-free: 888.652.4990
Fax: 985.651.8001
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