Enroll in MFCU@Home Online Access
To log in to MFCU@Home for the first time, you will need to:
- Visit: https://www.marinefederalhb.org/tob/live/usp-core/app/login/consumer
- User Name - this is your account number without leading zeros
- Password - this is the last 4 digits of the primary account holder's social security number or TIN.
- Click Enroll Button
If you don't have this information or are in need of assistance, please contact Member Services at 910.577.7333 or 800.225.3967.
Communicate expectations and set financial goals
Few couples really talk about money before the wedding. Ask important questions like which is more important, owning a home as soon as possible or taking vacations each year? Couples need to sit down and open up their checkbooks, tax returns, billing statements and brokerage accounts to discuss what they have, what their financial goals are, and how they’ll manage their money from month to month.
Plan a budget – and stick to it
Budget not only for the big items like a new car or home, but also for the smaller ones like holiday and birthday presents. It’s important to keep track of all your expenses, especially because these may be new to both of you. Create a system to pay the bills like signing up for on-line bill payment.
Establish an emergency fund
Experts recommend at least three months’ worth of living expenses should be saved for emergencies like a major home repair or temporary loss of work. Plan for retirement Do you both want children? The baby’s birth is a good time to start saving for education, but until then, couples should maximize their retirement savings.
If disagreements persist, keep separate accounts
For some couples, four accounts may work best: a joint savings account for emergencies and investments; a joint checking account into which each spouse pays according to his or her income; and individual accounts to cover personal expenses. Keeping some money separate eliminates the need to ask permission!
Take turns paying the bills
By doing this, you’ll both know where the money goes. One may be more organized than the other so if you agree that one partner is the bookkeeper, review the bills together every month.
Need to find out more? As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a no cost financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.
1. Cash on hand. No power = no card swiping at businesses or ATMs
4. Canned goods
5. Vehicles with full tanks of gas
6. Knowing where your personal and financial records are (i.e. insurance papers, DD214, birth certificates, etc.)
7. Online bill pay to ensure your bills continue to get paid
This list works whether we’re facing a natural disaster or not.
There’s a variety of trusted sources to keep you informed of a disaster and that offer more in-depth information on being prepared. Google is a wonderful tool.
If Marine FCU has delayed openings or has to close down operations, you can check our web site for updates or opt into receiving text messages and emails for these types of notifications. Click here to learn more.
Identity theft is one of the fastest growing crimes in the United States. One of the sinister techniques that thieves use to steal your identity is called phishing.
Phishing is a practice that online fraudsters use to “fish” for confidential passwords and financial data from the “sea” of Internet users using email. Phishing has two major components:
• Spoofing occurs when thieves create a near exact replica of an existing website
• Spamming occurs when you receive unsolicited email also known as junk email. A typical email will tell you that you need to update your account information for a Organization account. The email contains a link that when “clicked” will take you to the spoofed web site where you are asked for some personal and financial information. Once you enter in this information, the identity thief has access to it.
Phishing occurs when identity thieves use spoofing and spamming to lure you into providing personal and financial information on the Internet.
WHAT YOU CAN DO:
- Delete unknown email messages and don’t download attachments or click on links included in the email
- Don’t send personal or financial information via email
- Make sure that you are on a secure, encrypted website before entering personal or financial information. A secure site is usually designated by the URL beginning with “https” where the “s” stands for secure. Also, look for the closed padlock at the bottom of the screen, which indicates secure.
- Use anti-virus software on your PC or laptop and keep it updated
- Add a firewall to your computer especially if you use broadband service
As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com
Marine FCU broadcasted our first Facebook Live Stream, Power Pay Your Way Out of Debt, on Thursday, September 15. Members learned how to save thousands in interest, develop a spending plan, avoid accumulating debt, and much more. If you were not able to attend the live session, you can view the entire workshop below on our Facebook Page. Access a copy of the powerpoint here.
If you’re one of the many Americans who are unemployed, it can be intimidating to start looking for a new job. While it might end up being a long and frustrating process, it’s important to focus on your future and get started. The following tips can help you throughout your job hunt.
Get Serious: Make your job search a full-time endeavor. Put yourself on a schedule and create achievable goals, such as sending out one resume per day. Search online at websites such as www.careerbuilder.com and www.monster.com as well as in your community.
Update Your Resume: Rather than sending a generic resume to every human resources manager who posts an available position online, customize your resume for the job that you’re applying for. List your relevant experience and skills, and of course use proper grammar and spelling. Have a friend or family member that you trust review your resume for errors.
Network and Get Involved: Join a professional club or association to meet key contacts in your desired field. Talk to your friends and family members about your job search and make sure they keep you in mind when they hear of an open position.
Expand Your Search: Research and apply for positions that you may not have considered in the past. A part-time or entry-level job at a company that you love could eventually turn into something more.
Go Back to School: Additional training can enhance your marketability to a greater number of companies and could make you a candidate for jobs that pay more. If you’re currently employed but looking for a new job, retraining can help you increase your pay, retain your job, prepare for a better job, or upgrade your skills for a new economy. If you're planning a return to school, consider your goals carefully and make certain to re-work your budget accordingly.
Stay Positive: It’s easy to fall into negative thinking and tell yourself that in a tough economy, it will be impossible to find a good job. That’s not the case. Be persistent and keep a positive attitude to stay motivated to keep up the search.
If you’re dealing with a reduction in income or have started a new job, it’s a great time to reevaluate your budget. A GreenPath counselor can help. As a member of Marine FCU, you can take advantage of the GreenPath Financial Wellness program, a free financial education and counseling program. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.
Students aren’t the only ones who’ll need to pull out the pens, paper, and calculators for the back-to-school season. Parents who want to keep back-to-school spending under control should consider doing the same.
Backpacks, paper, books, pens, pencils, calculators, computers, clothes and shoes are basic necessities that can add up quickly and become significant expenses for any household. Developing and sticking to a solid spending plan is the key to avoiding overspending. If you are in charge of back-to-school shopping, here are tips to help keep your budget on track:
Develop a back-to-school budget
Take time to develop a monthly budget if you don’t already have one in place. Review your income and regular expenses, and determine your back-to-school spending goal based on what you can afford.
Take an inventory of school necessities
If you missed spring-cleaning, this is a good time to pull out your child’s clothing, shoes and supplies for an inventory of what’s still useable. Have the kids try on clothes and shoes to see if they still fit. Consider donating clothes that no longer fit to Goodwill or the Salvation Army. Be sure to get a receipt, since the items could be applied to your personal income taxes as charitable contributions. Another option is to sell the old clothing to a store that specializes in reselling used clothing. Use the money to buy clothes for the new season.
Create a comprehensive shopping list
Now that you’ve taken inventory, create a shopping list of your child’s needs. The list should include additional clothing, school, athletic, and scout uniforms, yearbooks, eyeglasses, classroom supplies, and musical instruments. Write down your children’s sizes and special colors needed for items like uniforms. Carry your shopping list to keep you on track.
Involve children in decision-making
Tell children what the spending goal is and how they can help meet the goal by choosing perhaps two outfits, instead of three. Help them understand how recycling clothes, lunch boxes, book bags, and notebook binders is not only good for the environment, but also good for the household budget.
Shop for the best prices
Get the best value for your dollar by checking for coupons and sales. Listen for TV and radio commercials and check your local Sunday newspaper for back-to-school and clearance sales.
Check for sales tax holidays
Check with your local government officials to see if a tax-free back-to-school shopping holiday is authorized in your area. A number of states have designated days that coincide with back-to-school shopping. The holiday offers local residents a chance to purchase clothing and school supplies tax-free! Some sales tax holidays even include computers. It can be an immediate savings for your back-to-school budget.
Limit expensive brands
You can save money on clothes and selected school supplies by purchasing generic or lesser-known brands. Always be sure the lesser-known brands are durable and quality products.
Use credit wisely Pay with cash if possible.
Try layaway if you need time to save up for purchases. If you have to use credit, limit purchases to items you can pay off in 90 days. If you have more than one credit card, use the card with the lowest interest rate to minimize the amount you’ll have to pay back. Remember, using a credit card is like taking out a short-term loan.
If you would like to discuss your back-to-school budget with someone, you can take advantage of the GreenPath Financial Wellness program, a no cost financial education and counseling program of Marine FCU. GreenPath counselors are available Monday through Thursday 8 a.m. to 10 p.m. (EST), Friday 8 a.m. to 7 p.m. and Saturday from 9 a.m. to 6 p.m. To use this new service, simply call 1-877-337-3399 or visit them on the web at www.greenpathref.com.
MarChek Checking will change to InControl Checking. There will be a monthly maintenance fee of $5.95 without credits. Earn a monthly $3 credit for eStatements and earn a $.25 credit for each debit card transaction, not at an ATM, that posts and clears during the qualification cycle (from the last day of the previous month to the next-to-last-day of the current month). Total monthly credits not to exceed $5.95.