Thursday, August 15, 2013

Our New Look!

We've recently changed the look of our St. Cloud Federal Credit Union website; a makeover of sorts, if you will.  There are a couple of reasons for changing the look of our SCFCU site.

In a quickly digitizing world, we wanted to accommodate all our Members and website visitors who access our site from a mobile device, whether it be a smart phone or tablet.  With this remodel, our website will format to various screens and be much easier to navigate.  Another reason we decided it was time for our site to be re-vamped was to prepare for any future expansion. 

One main feature you’ll notice when you visit our new website is that you can access the Online Banking sign-on directly from our home page!  All our other online services can be found under the ‘E-Branch’ column on the right, or the 'Online Services' tab on the home page.

We are very excited to have a more updated and ‘modern’ site, and hope you like it as much as we do!  A special ‘thanks!’ goes out to our friends at Gaslight Creative in St. Cloud, for their beautiful and crafty work – we certainly couldn't have done the remodel without their help and expertise.

Happy browsing!

Our mission is to educate, support, and encourage our Members to become Financially Fit.

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Friday, August 9, 2013

Service Upgrade: New & Improved Bill Payer

As a Member of St. Cloud Federal Credit Union, you have the opportunity to use our Bill Payer service, free of charge.  For those of you who don’t know, Bill Payer is a safe and secure way to pay your bills online through your checking account at SCFCU.  It’s a convenient alternative to writing out checks each month, or logging onto individual business websites.  An exciting upgrade is coming soon for Bill Payer service.

Effective August 14th, we are converting to a new Bill Payer provider.  No worries, current users -  all of your Payees, Payment History, and Scheduled Payments will automatically convert to the new provider.  However, there are a few things we’d like to make you aware of.
  • Payments that you set up prior to the upgrade, that had a process date after August 13th, will now have a different ‘Send Date’.  The term ‘Process Date’ will now be used within Bill Payer instead of ‘Send Date’.  It is extremely important that you log in to your Bill Payer account after August 14th and review your ‘Process Dates’ (The ‘Process Date’ is the date the funds are deducted from your checking account.) to assure things transferred over.

  • All of your Payees will default to ‘Check Payment’ status at the time of the upgrade.  However, those Payees may convert to ‘Electronic Payment’ status when the first payment is processed with our new provider.

  • The most exciting change is that Bill Payer will be available for your mobile device by the end of the first quarter in 2014.

If you have any questions or concerns about our Bill Payer upgrade, please feel free to contact Barb at (320)258-2150, or Karen at (320)258-2169.

To learn more about accessing Bill Payer, click here.  If you’d like help walking through setting up Bill Payer, check out this video.  Happy Bill Paying!

Our mission is to educate, support, and encourage our Members to become Financially Fit.

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Friday, August 2, 2013

Six Back-To-School Savings Tips

It’s that time of year… you know, right after they put the red, white, and blue  picnic d├ęcor away, but just before the Halloween candy comes out – yes, Back-to-School time!  Getting ready to send the kiddos back to school can be exciting, nostalgic, and a little stressful.  Don’t let the rising expense of supplies and list of needs bring you down, there are ways to save and keep you Financially Fit

1. Sooner isn’t always Better
While it is exciting to see those shiny folders, vibrant crayons, and fresh bottles of glue line the shelf early on, it’s not always the best idea to buy your supplies right when they hit the floor.  According to an article from MSNMoney, holding off on the first ‘Back-to-School Sale’ and waiting for later sales will save you money.

2. Make a list of Needs, BEFORE going to the store
Before you embark on the trip to the store for Number 2 pencils, make a detailed list of what you need.  Take the list the school has given, add any other necessities, and stick to the list.  Remember that in some cases, different children in different grades will need different supplies – so it’s important to look at various necessities.  Remember to stick to the list! If it says 24 pack of crayons and 2 glue sticks, get the 24 pack (not 48) and 2 glue sticks (not 5).

3. Reduce, Reuse, Save Money
Once you've made your detailed list, shop around at home first.  Check the supplies the kids brought home from school at the end of the year and see which folders will hold up, which markers still work, and if there are notebooks with a decent amount of paper left in them.  Reusing school supplies that still have some life left in them will save you money, and create a whole lot less waste.

4. Keep an eye out for Give-Aways
Watch your local ads and flyers for any back to school giveaways!  You might find a deal for a free notebook with a purchase of folders, or a free ruler with a pack of pens, etc.  If you need the items, it never hurts to get a little something free along with it that you can also check off the list!

5. Buy in Bulk
After looking at the handy-dandy list you made, you know you’ll have to pick up a half dozen notebooks and fifteen folders, why not buy in bulk? Depending on the age of your child, a large pack of loose-leaf paper may be a less spendy alternative to notebooks, and splitting a large pack of colored pencils could be cheaper than buying two or three.  If you don’t have multiple kids to split the supplies between, consider going supply shopping with another parent or two and divvy up what you need.

6.  Keep it Basic
There are loads of supplies with sparkles, gems, sports teams, and TV stars on them, but are often more expensive than the generic supplies as well.  While it’s fun to splurge by letting the kiddos pick out 1 or 2 ‘fancy’ items, the ‘plain’ colored folders and yellow pencils will work just as well, and save you some money.

Don’t let the cost of back-to-school time take the excitement out of your school shopping, it doesn't have to break your budget.  Make a list, have some fun, and get the kids ready for a great school year ahead!

Our mission is to educate, support, and encourage our Members to become Financially Fit.

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