Whether you want to leave work at 62, 67, or 70, claiming the retirement benefits you are entitled to by federal law is no casual decision. You will want to consider a few key factors first. How long do you think you will live? If you have a feeling you will live into your nineties,… Read More


Identity theft is one of the top three consumer complaints to the Federal Trade Commission. The FTC’s annual look at its Consumer Sentinel Network database of complaints found that the agency received more than 3 million complaints overall in calendar year 2018, with 15 percent related to identity theft. If you are a victim, take… Read More


Every year the Credit Union National Association (CUNA) conducts a Membership Benefits Report for Ascentra Credit Union and the latest findings estimate that members received more than $6.8 million in direct financial benefits during the twelve months ending in December 2018. These benefits are equivalent to $184 per member or $374 per member household. Furthermore,… Read More


You can prepare for your retirement transition years before it occurs. In doing so, you can do your best to avoid the kind of financial surprises that tend to upset an unsuspecting new retiree. How much monthly income will you need? Look at your monthly expenses and add them up. (Consider also the trips, adventures… Read More


We had a blast kicking off our inaugural Cool Readers Reading Challenge Saturday, Apr. 27th!  This is the 1st year for the Cool Readers program, challenging second graders from Buchanan, Wilson, and Jackson Elementary Schools to read 10 books in one month. Fifty-one second graders completed the challenge and were invited along with their family… Read More


When financial markets have a bad day, week, or month, discomforting headlines and data can swiftly communicate a message to retirees and retirement savers alike: equity investments are risky things, and Wall Street is a risky place. All true. If you want to accumulate significant retirement savings or try and grow your wealth through the… Read More


If you are expecting a tax refund this year, now is a good time to start planning how you’ll use that extra money. The best uses are to pare down debt and bulk up your savings. Here are a few ways to get the most bang from your refund: 1. Open an emergency fund or… Read More


Each party in a home sale transaction has an agenda. The seller, naturally, wants to sell the house for as much as possible. But the buyer hopes to negotiate a lower price. Individual needs skew each person’s perception of what a property is worth. Enter the real estate appraiser—a professional who can determine the value… Read More


For many students borrowing is essential to pay for higher education. Learn more by watching this edition of Ascentra Making Cents. To see more videos of our monthly financial education segments like this one, head to our YouTube channel.  … Read More