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Louisiana FCU Blog

Louisiana Federal Credit Union Blog

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Summer Fun on a Dime

Growing up, I could remember looking forward to summer vacation. No school, no getting up early, and tons of fun! Years have passed and the economy has changed, thus making it difficult for some to travel and do special things during the summer. But don't let that get you down. There are tons of fun things to do for free or at a low cost. Here's a list of ideas: 1. Check with you local recreation department for activities  2. Visit a splash park; it's free, fun, and great for smaller kids  3. Make it a snowball evening; it's a cool and...
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NerdWallet’s Gen Y Credit Union Contest

When I began writing this, I started thinking about my graduation commencement speech. Truth is, I graduated only five years ago and I could not tell you a single thing that the speaker said. Commencement is a big deal; it is one of the few things in life that works every time. No matter what happens you will always remain a graduate. So congratulations, you are now an adult! Welcome to the world of student loans. You think they are nice by giving you a whole six months to start paying them back but in reality you could use like six...
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Refinance or not to refinance? That is the question!

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...
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The Truth about Your Credit Score

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....
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Frugal Grocery Shopping

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....
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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