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Credit Card Balance Transfer

 

Let us – your financial partner – help you. Come see us, we’ll figure it out together.

  • Receive a 5.99% Promotional APR* for 6 months
  • Valid for balance transfers completed June 16- December 31, 2022
  • No balance transfer fees
  • No annual fee
*Balance transfers completed between 6/16 -12/31/2022 will receive a promotional 5.99% APR for 6 months from date of transfer. After promotional time frame expires, remaining balances will migrate to standard APR applicable on your account. Please contact the credit union for complete details.

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Financial Tip of the Month

Financial Tip of the Month

Are you ready to join us on a journey toward financial wellness?

Each month, Pueblo Government Agencies Federal Credit Union will focus on one step of a journey of financial wellness. We’ll tackle the topic in detail and help you learn all you need to know about this step. Follow along, and at the end of the year, you’ll have mastered the tools for a life of financial wellness.

So far we’ve covered

  • Tracking your Spending
  • Creating a Budget
  • Paying Down Debt
  • Checking Your Credit Reports
  • and most recently, Steps to Improving Your Credit Score.
  • This discipline will benefit you individually, as well as all who are part of your household. 

     

    Read all the details here.

    reminder note to set goals

    Financial Resolutions

    With some planning and tips to help you along the way, you can conquer your financial resolutions like a champ! Just remember to keep it S-M-A-R-T.
    Specific
    Measurable
    Achievable
    Relevant
    Time-Based

    Would you like help getting your emergency savings built? Ask us how to set up recurring transfers.
    Would you like to get a jump start on your holiday savings for next Christmas? See how
    Has your credit score been affected by circumstances in the past year? Check out our Credit Builder Program and how it can also help your build your savings.
    Do you need help fitting your loan payments into a monthly budget?

    See also: Financial Tip of the Month

    Whatever it is, there’s no slope too steep and we’re here to help!

    Fraud to look out for and avoid

    Fraud and Scams

    Fraudsters are always planning their next move and we want out members to be aware of some common scams that are out there.

    1. The Amazon Prime service fraud scam

    In this ruse, a scammer posing as an Amazon representative will call a target to notify them about an alleged problem with their Prime account.

    1. Phishing emails

    Phishing emails are nothing new, but they can be difficult to spot among the barrage of promotional emails flooding inboxes during this time of year.

    1. Delivery issues

    Delivery scams generally take the form of a message appearing to be from UPS, FedEx or another delivery service, informing the victim of a “delivery issue” with an order.

    1. Non-delivery scam

    Another scam whose prevalence has spiked with the increase in online shopping is the non-delivery scam, which involves a purchased gift that never arrives.

    Read more about any of these scams here

    In addition to scammers trying to steal your money, they are also trying to steal your identity.

    The Colorado Department of Labor has reported that unemployment fraud is on the rise. If you or someone you know has been a victim of unemployment fraud, here are some steps to take:

    1. Notify all three major credit bureaus and request a “fraud alert” on your name and social security number
      TransUnion.com/fraud 800-680-7289
      Experian.com/fraudalert 888-397-3742
      Equifax.com/CreditReportAssistance 888-766-0008
    2. Notify your financial institution
    3. Visit IdentityTheft.gov to report identity theft to the FTC or call 1-877-438-4338
    4. File a police report
    5. Notify the IRS fraud hotline 1-800-908-4490
    6. Report the fraud to Colorado Department of Labor and Employment
    7. Create a file to keep all your records of fraud

    More Tips to Avoid Identity Theft

    Youth Saver CD’s

    Certificates of Deposit (CD) are a type of investment account that typically yields more interest than that of a money market or savings account. A CD account is created with a maturity date, which means you cannot withdraw money from the account until it reaches full maturity. If you do need to withdraw the money before the maturity date, you will have to pay a penalty fee.

    Key Benefits of Certificate of Deposit Accounts

    • offer several benefits to managing your savings and investments
    • give you a chance to earn higher interest than a regular savings
    • are protected by the NCUA
    • earn you money quickly through compounded interest. This means you will continue to earn money on the principal plus interest throughout the growth period.

    About PGAFCU Certificates of Deposit

    • Must be a member of PGAFCU
    • Minimum balance to open a CD is $1,000.00
    • Cannot add to a CD until it reaches the maturity date.
    • Notices of certificate renewal are mailed before the certificate matures. Once the CD is mature, you have a 10 day grace period to make changes before it is set for another term.

    See Rates

    *Dividends accrued daily and paid quarterly. Additional deposits not allowed except at maturity. All certificates automatically renew unless specified otherwise.

    IRA Certificates of Deposit

    Certificates of Deposit (CD) earn higher interest than IRA Club Accounts.

    • Must be a member of PGAFCU
    • Minimum balance to open a CD is $1,000.00
    • Cannot add to a CD until it reaches the maturity date.
    • Notices of certificate renewal are mailed before the certificate matures. Once the CD is mature, you have a 10 day grace period to make changes before it is set for another term.

    See Rates
    *Dividends accrued daily and paid quarterly. Additional deposits not allowed except at maturity. All certificates automatically renew unless specified otherwise.

    Certificates of Deposit (CD’s)

    Certificates of Deposit (CD) are a type of investment account that typically yields more interest than that of a money market or savings account. A CD account is created with a maturity date, which means you cannot withdraw money from the account until it reaches full maturity. If you do need to withdraw the money before the maturity date, you will have to pay a penalty fee.

    Key Benefits of Certificate of Deposit Accounts

    • offer several benefits to managing your savings and investments
    • give you a chance to earn higher interest than a regular savings
    • are protected by the NCUA
    • earn you money quickly through compounded interest. This means you will continue to earn money on the principal plus interest throughout the growth period.

    About PGAFCU Certificates of Deposit

    • Must be a member of PGAFCU
    • Minimum balance to open a CD is $1,000.00
    • Cannot add to a CD until it reaches the maturity date.
    • Notices of certificate renewal are mailed before the certificate matures. Once the CD is mature, you have a 10 day grace period to make changes before it is set for another term.

    See Rates
    *Dividends accrued daily and paid quarterly. Additional deposits not allowed except at maturity. All certificates automatically renew unless specified otherwise.

    Mobile Banking App

    Banking Anywhere, Anytime!

    We are excited to announce our newest location! Here’s a hint… it’s probably in your hand! It’s your smartphone!

    With our PGAFCU Mobile Banking App, you’re able to take PGAFCU with you anywhere you go. Our goal is to save you time and make banking easier!

    • Quick, Secure Login via password, fingerprint or facial recognition
    • View Transactions
    • Make Transfers
    • Bill Pay
    • NOW AVAILABLE- Deposit Checks!

    *Must have access to online banking. First, you will need to login to your online banking and complete the Mobile Setup, then download the app from your iTunes or Google Play App Stores.

    Deposit a check in a snap of a button! Read More