WCU Can Make Your Life Easier in 2019

At WCU, we know that the average day can be spent running around trying to juggle several things at once.  That’s why we are taking one problem off your list–your banking and financial needs. Everyday we strive to make banking with us as easy and automated as possible.  With our services you can rest assured that we’ve got your back. Here are a few ways we can help make your life easier:

Bill Pay

Did you know that WCU offers bill pay to any of its members?  That’s right, with our one-click bill pay you will be able to :

  • View all payees, upcoming bills, payment history and account balances
  • Quickly add a new payee
  • Make a payment to any person or company in one click
  • Set up recurring payments for bills that are the same amount each month
  • See bill amounts and payment due dates with eBill
  • Transfer funds
  • Set up Bill Pay Alerts

It’s that easy–just one click and you are on your way!

Mobile App

In today’s fast paced society you need to be able to conduct your business on the go, and that’s exactly what our mobile app does for you!  When you download our app, you will have access to all of your account information in a few clicks. You can view your account balances, view account transactions and transfer funds between accounts and loans.  You can also be sure that all of your information is safe and secure. All you need to get started is an active WCU account and the app downloaded from the App Store or Google Play.

Club Funds

Need a little extra help when it comes to saving up money for Christmas or that awesome vacation you are planning?  With our Christmas Club and Vacation Club funds, you can be on your way! Set up a savings fund for Christmas or vacations and have a designated amount automatically taken from your checking account each month and put into a savings account.  You don’t even have to think about it. Then, when it comes time to spend the money, you have an account full of dollars that you have saved over the entire year! It’s simple to get started, just call any WCU office and watch the savings pile up!

Shared Branching

If you travel much, you might want to take advantage of our participation in Co-op Shared Branching.  Shared Branching is done through a network of like-minded credit unions all over the country. If you are out of the WCU area and you need to conduct credit union business, you can just stop by a participating credit union near where you are and they can pull up your account so that you can deposit, withdraw or transfer funds.  All you need is your identification and your account numbers! With Shared Branching, wherever you go, WCU has your back.

So that’s how WCU is going to make your life a little easier in 2019!  If you have any questions or want more information on any of these programs, please call our main office at 256-355-5010, and we will be able to help you get started.

3 Ways Grocery Stores Help You Save Time & Money

If you try hard to stick to your budget, you know that food makes up a large portion of monthly spending.  Grocery prices seem to be on the rise most of the time, and it can be hard to stick to your spending limit.  However, if you are careful, you can find ways that the grocery stores actually help you to save time and money with your food shopping!  Here are a few that we have found:

Digital Coupons

Does your favorite grocery store have a rewards card?  If it does, it more than likely will also have digital coupons.  These are easier than regular coupons because you don’t have to spend time cutting them out, plus they often coincide with the sales at that particular store.  This makes it easier and faster for you to save money for things you need.

Super Sales

Many stores will have “super sales” where, for a couple of days only, some items are extremely discounted.  This often goes along with coupons on your rewards card or even upcoming holidays. Keep your eyes peeled each week for the sale paper from all of the local stores and make a list of items that are on super sale that you may need.  When you get to the sale, stock up on those items for 6 weeks. That is how long it usually takes for the sale to cycle back around. It’s also a good idea to plan your meals around the sales to get the most bang for your buck.

Delivery & Pickup

Lately more and more grocery stores have introduced wonderful time-saving services such as grocery delivery and grocery pickup.  If you are short on time, then these services are for you! You order your groceries online with these services so it automatically helps you stick to your budget because you aren’t tempted to buy things that aren’t on your list.  Plus, a running total is kept on the screen to help you see if you are going over budget. If you see you are spending too much, just delete items out of your cart. If you are on strict budget or short on time, check to see if your local stores have any of these services to keep you on track.

So you see, the stores actually make it easier for you to shop if you take advantage of all they have to offer!  Use those coupons, shop the sales and do it quickly with their services, and you will definitely have the tools you need to stick to your grocery budget each and every week.

Tips to Avoid Money Arguments for Married Couples

Money can often be a sore subject in many relationships.  Whether you have been married one year or 50 years, you know that you need to be on the same page with your spouse financially to avoid money arguments.  Here are a few tips on how you can help keep your married life and financial life on track together.

Decide Together

One key point to keeping money arguments at bay is to always make major financial decisions together.  This includes deciding on a budget and making major purchases. Before you make any substantial money decisions, always ask yourself if you would be mad if your partner made that decision before talking to you.  If the answer is yes, have a discussion first. When you work together as a couple, you will not have to worry about pesky little arguments over money issues.

Meet Monthly

To stay on the same page financially, it’s wise to have a monthly money meeting with your spouse.  This is a time for you to lay it all out on the table and talk things over like what your budget will be for the month, any special expenses expected and how much money you have in all of your accounts.  That way you and your spouse will always be in the loop on what is going on financially in your life. Being on the same page always makes a relationship much easier.

Share and Track

Along the same lines as meeting together monthly, it’s always a good idea to share anything financial that may come up in between meetings.  Talk about things you want to purchase and any unexpected expenses that pop up during the month. Also, make sure you both track your expenses the same way.  This will solve any confusion that may come about or any misunderstandings. Decide together on the best way to track for your financial situation, and stick with it.  

All of these points have one underlying theme to them–communication.  When you communicate with your partner about money, you are less likely to have arguments that lead to unhappy marriage situations.

Are Coupons Really Helpful?

If you have ever tried to start sticking strictly to a budget, you know you will do anything to save money.  Many people use coupons as a way of keeping their grocery and household item budget in check. Coupons can be a great addition to a frugal lifestyle, but when you become too infatuated with getting the best deal, sometimes you end up spending more than you think.  Here are some tips to use coupons effectively with your budget.

Will You Use It?

This is a question you should ask yourself before you load up your cart with the great deal you got with coupons.  Only cut coupons for items that you will actually use instead of just buying it just to get a deal. You are actually spending more money on a great deal with an item you don’t really need than you would without the coupon, because if you didn’t have the coupon, you wouldn’t have bought it at all!  Take time to think this over each time you want to use a coupon.

Time is Money

Avid coupon users can spend lots of time cutting out coupons from the newspaper inserts and magazines.  Sometimes, for the extreme couponers, it can take as much time as a full-time job. If taking the time to cut out each coupon is becoming a burden on your daily routine, try looking for stores that offer digital coupons.  Many grocery stores offer manufacturer’s coupons on special apps and with rewards cards. You can even use third party apps like Ibotta to get cash back after your transaction. Downloading digital coupons can drastically cut down your coupon cutting time.

It’s All About Balance

With anything in life, you need to practice balance with coupons.  Like we mentioned above, only buy the items you need, shop the sales and focus on saving money for your budget.  The goal is not to buy out the “deal of the week” at the grocery store. Get as much as you need, and leave some sales for the rest of the shoppers.  Used effectively, coupons can be a great resource for your budget. Just make sure you don’t get too crazy and let getting the next big deal consume your life.