Many Americans are concerned about someone stealing their credit card, check, or debit card numbers, but they may be ignoring one easy way thieves can access financial accounts: receipts. Disregarding receipts that have valuable information greatly increases the risk of credit and debit card fraud. Thieves easily can find receipts with valid account numbers in… Read More


Ascentra Credit Union has partnered with First Community Trust (FCT), an independent trust company,­­­ to help families manage, protect and distribute their assets.  Individuals who have established trusts as part of their estate planning may need the services of a corporate trustee. FCT offers these primary services: asset management, estate planning and settlement, retirement planning… Read More


If you are confused by the difference between APR and your interest rate, you are not alone. Check out this short, educational video as we talk about Annual Percentage Rates on 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


Retirement doesn’t happen by accident; careful planning can help build a nest egg to sustain the kind of retirement you want. Start by creating a spending plan.  Know how much money is coming in, and going out each month. Take advantage of any employer plans like a 401(k). Some employers match a percentage of your… Read More


Think of retirement as a destination. Your plan is a road map that will get you there. Check out this short, educational video as we talk about retirement planning on 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


Wondering when you should start receiving Social Security benefits? If you are married or divorced, you may be eligible for spousal benefits that can make the decision easier. The AARP offers these strategies for using spousal benefits to your advantage: For couples with two incomes: You may be eligible to file for a spousal benefit only,… Read More


Many people wonder how they can build an emergency fund when they’re trying to pay off my debts. It isn’t as hard as you might think. The strategy is to start small, change a few habits, and change your mindset. If you’re starting from scratch with your emergency fund, begin by saving one month’s worth… Read More


Vacations are meant to give you some much needed rest and relaxation. Since lodging expenses can eat up a huge chunk of your vacation savings, you’ll want to make sure you find the best prices for them. Here are a few websites to help you find the best deals on lodgings. If you’re strictly a… Read More


Going off to college is an exciting time! Your world is about to open wide, providing you with new opportunities to expand your mind, meet new people, and begin the groundwork for your career (or figure it out). One very important skill you’ll need is learning how to save while living on your own. The… Read More


Whether you’re buying a new or used car, careful research and planning will help you get the right vehicle without the one option nobody wants: onerous monthly payments. Here are some ways to save money: Check on reliability– Nothing can torpedo a budget like unexpected repair costs. The annual Consumer Reports car reliability survey cites… Read More