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The Update - News You Can Use

The Update

News you can use from RGCU

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News and tips from Rio Grande Credit Union

February 2025

  • Micro-Deposit Scams

    A micro-deposit scam involves depositing a small amount, like a dollar, into your account, which can lead to losing your life savings. Learn more about this widespread scam!

  • How Can I Close a Credit Card Without It Impacting My Credit Score?

    Paying off a credit card is a great thing, but be sure to read our guide before you start taking a pair of scissors to paid-off accounts!

  • What are the Tax Benefits of Owning a Home?

    Why buy instead of rent? Well, have you ever seen the tax deductions you’ll get? Everything from the mortgage interest to a home office deduction is possible, plus tax credits!

  • How to Choose a Vacation Destination for Less

    Is it long past time for a vacation but you still need to watch your budget? We’ve got some great ideas to help you get that dream vacation without putting yourself in the poorhouse!

  • Steps to Take After a Data Breach

    Don’t Overlook Data Breaches—They Could Affect You!
    Data breaches can have serious consequences. Let your credit union help you stay protected, safeguarding both your money and credit rating!

  • Common Tax Mistakes to Avoid

    It’s tax time! Hoping for a refund? Be sure you don’t make these common mistakes that could cost you time and money!

  • Restaurant Hacks

    Is eating out taking a bite out of your wallet? From what days to plan your date to what and how to order your food, we’ve got tips to save you serious money!

  • What Are the Costs of Buying a Vacation Home?

    Are you dreaming of a vacation home? There’s a lot to consider, and a lot of costs to take into account. We’ve got a guide that will help with the decision!

  • Anatomy of a Mortgage Payment

    Ready to buy your first home and take on a mortgage? Before you sign the papers, it’s essential to fully understand what makes up your monthly payment!

  • Open a Vacation Club Account

    Are you looking forward to a big vacation but dreading the credit card bills? A Vacation Club account might be what you need! We’ve got all the details.

  • Beware of These Tax Scams

    Tax scams come this time every year, and they can rob you of your money, your identity and your peace of mind. Read our tips to protect yourself!

  • Dine on a Dime: Pasta Bolognese

    Indulge in the rich flavors of Pasta Bolognese! This Italian favorite features tender pasta topped with a savory meat sauce made from ground beef, tomatoes, and aromatic herbs. Perfect for any occasion, it's a comforting dish that’s sure to satisfy. Ready to give it a try? Let’s cook!

  • What’s The Best Way to Finance A Home Renovation?

    Time to fix up your home? Before you take out a personal loan or run up a credit card, check out home equity lines of credit. A HELOC might be just the thing!

  • What to Buy and What to Skip in February

    Where can you find great deals in February? What should wait until later in the year to buy? Some of the choices might surprise you!

January 2025

  • Your Down Payment On A House

    Unlock the secrets to homeownership with simplifying the home buying process.Discover expert insights, practical tips, and step-by-step guidance to make your journey to owning a home smooth and stress-free!

  • Your Child’s First Checking Account

    Opening a checking account for your child is a great way to teach money management and build financial responsibility.

  • How to Recover From a Financial Setback

    We all go through it: Things are going great, and then you hit a financial setback that rocks your budget, your bank and your peace of mind. Fortunately, we’ve got a guide to getting out!

  • Beware the USPS Smishing Text Scam

    Have you heard about the smishing scam in which the scammers pose as the USPS? Just like all the rest, they’ll steal your identity and as much of your money as they can grab. Get the info!

  • Should I Choose to Buy Now, Pay Later?

    Buy now, pay later is everywhere now, but it might not be the best tool when you’re buying if you let the payments get away from you. Read our guide for the pros and cons!

  • Which Features Should I Look For in a New Car?

    Picking out the features in your new car can be like going to the toy store when you were a 9-year-old. So many shiny things to pick from! Check our guide to keep reality in view!

  • How Many Credit Cards Should I Own?

    Your credit card count can affect your FICO score, but how many cards are ideal? The answer isn’t simple. Too many cards can hurt your score, but not enough might limit your credit potential.

  • 7 Common Life Insurance Myths Debunked

    Think you don’t need life insurance? You’re probably falling for one of these seven common myths!

  • Beware Social Media Scams

    Social media scams are the biggest online threat today, and you can get buried under fake friend requests, bogus links and other cheats. Read our tips to stay safe!

  • The Benefits of Having a Checking Account

    Does a checking account sound like one of those old-school things your parents had that you don’t need in these days of online financial wizardry? Find out why you need to rethink that!

  • Should I Adopt a Minimalist Lifestyle?

    Have you been thinking about the minimalist lifestyle? It’s not easy to follow, but the benefits can be big if you’re truly cut out for it. We’ve got the details!

  • The Hidden Costs of Buying a Home

    Buying a new home is really exciting, but don’t forget the hidden costs that come with the adventure! We’ve got a list to keep you covered in case you forget anything.

  • Ways to Save on Airfare

    If you’re traveling on vacation, airfare is going to take a big bite out of your budget. We’ve got tips on saving money on your flight!

  • Beware of Bank Examiner Scams: How to Spot Them and Protect Yourself

    You’re getting asked to help investigate suspicious activity at your bank or credit union. While you might be tempted, this is almost surely a scam. Find out how to spot the trickery!

  • Should I Take Out a HELOC to Pay Off My Credit Card Debt?

    With credit card interest rates high and getting higher, using your home’s equity to pay off all those bills looks tempting. Here’s why it might not be a good idea for some!

  • Best Times to Buy-Clothing

    Are your clothes a little out of date? Do they look like they need a decent burial rather than another washing? We’ve got the best times to refill your drawers and closets with new duds!

  • All You Need to Know About Credit Freezes

    Does it sometimes feel like there’s a school of sharks after your credit? Now you can keep those threats away with a credit freeze! Find out what it does and how to get it!

  • New Year Projects

    As the new year begins, it's the perfect time to embrace fresh starts and new opportunities. Whether you're looking to enhance your personal life, advance professionally, or make a positive impact in your community, the new year brings endless possibilities.

  • Dine on a Dime: Chicken Parmesan

    Tender chicken, crispy breadcrumbs, savory marinara, and melted mozzarella come together for a delicious, budget-friendly meal that feels like a restaurant dish without the hefty price tag.

  • Are HELOCs A Good Idea These Days?

    Did you know you might be living in your best source of financing for major expenses?

  • How to Keep Your Phone Safe from Fraud

    Did you know hackers are after your cellphone just like they used to go after your computer? We’ve got tips to keep your data safe and keep your phone secure!

  • Workplace Resolutions for the New Year

    Before you make another set of resolutions about weight loss or other things that won’t last until February, think about making some about your work life! We’ve got suggestions!

  • What to Buy and What to Skip in January

    Are you all shopped out after the holiday sales? Well, grab your shopping bags one more time because we’ve got deals for you to find (and stuff you’ll want to skip).


 

 

 

 

 

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