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Louisiana FCU Blog

Louisiana Federal Credit Union Blog

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I am not sure about you, but I know that I have wasted more money on improper spending habits than I even care to think about. Once I thought about it, I gave the GPS plan a try. As Americans, we waste 20-30% of our hard earned money on bad spending habits. Proper planning could help you to reach your financial destination of paying off debts faster. Think of it this way. When you go on a road trip, you don’t just start driving. You first decide on a destination, and sometimes, if you are not certain of the path you are...
Speaking to members about refinancing their home is always an interesting conversation. Once we get deep into the dialogue about why refinancing could help, the hesitation and anxiety lightens and members begin to realize that refinancing may the best thing for their family and pocketbook. Reasons Why You Should Refinance: Shorten the term of your loan – If you have a 30-year mortgage, now might be a great time to refinance because of low interest rates. In some cases, you may end up paying nearly the same mortgage payment that you are currently paying. By shortening the loan term, you own your home...

Posted by on in Financial Tips
Your credit score is a number based on the information in your credit file. This score shows the likelihood of your ability to re-pay a debt on time. Lenders use this score to determine whether you qualify for a loan and what interest rate you will pay. What actions will hurt your credit score? Missing payments – missing on single payment can take up to 24 months to restore good credit. 35% of your total credit score is based on pay history. Maxing out credit cards – maxing out a credit card can reduce your credit capacity and lower your score....

Posted by on in Financial Tips
Have you taken the time to figure out how much money you spend each month on groceries? For me, it was enough to make me want to quit eating… well almost! Fortunately, I found ways to reduce our monthly grocery bill without starving myself or my family. Change your mindset to fatten your pocketbook! Here are some tips that help chop away at bad grocery spending habits: NEVER go shopping when you are hungry! We have all heard this before, but it is true. Every time I shop when I am hungry, I end up putting more items in the cart....

Posted by on in Financial Tips
Has this ever happened to you? Having your debit card compromised is not fun and no one likes it. This happened to me about a month ago. I saw a charge on my account from a toy company in New York in the amount of $300.00. Of course, knowing that I had not been to New York overnight, I immediately called our accounting manager and yelled, “help!” She took immediate action to help me. The charge was removed and my card was de-activated to suspend any further transactions from hitting my account. I also found out that two more transactions were...

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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
Routing # 265476411