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Freedom First Credit Union Holiday Safety Tips at the ATM

With the hustle and bustle of the holiday season also comes an unfortunate increase in crime rates. With hectic shoppers rushing around distracted by their to-do lists, thieves are often waiting for the perfect opportunity to capitalize on this shopping madness.

ATM theft remains a prevalent crime during this time of year since more people tend to make regular cash withdrawals during the holidays. Here are some essential precautions to take when using an ATM to ensure that you and your money are safe.

Freedom First Credit Union Tips for Lowering Stress During the Holidays

While the holidays are a time for cheer and spending time with family, many also experience heightened levels of stress. With all that has happened this year, you may find yourself more overwhelmed than usual as the holidays approach.

However, there are things, even in these unsettling times, you can do to help reduce your stress during the holidays. Below are some tips to help you get through the holidays as stress-free as possible.

Freedom First Credit Union Holiday Shopping Safety Tips

Whether you’re heading off on vacation, tackling the stores or just enjoying an evening out, taking a few extra steps to protect yourself and your identity this holiday season isn’t only smart, it’s easy.

Criminals love distracting environments – and the holiday season provides just that with bustling crowds, bright displays, and enticing store sales. And while you’re out enjoying yourself, identity theft probably isn’t on the top of your mind. However, a distracted shopper or tourist provides an easy target for pick-pocketing, theft, or other types of crime. You can protect yourself by taking a few simple precautions.

Freedom First Credit Union How to Combat Inflation & Rising Credit Card Rates

It’s pretty safe to say that everyone has felt the effects of inflation at this point. While some inflation is good for the economy, such a dramatic rise in a short period continues to send prices soaring. To stop the climb, the Federal Reserve continues to raise the federal funds rate – a move that further hits consumers’ wallets.

Many people are turning to credit cards to help manage rising prices and make ends meet. Unfortunately, moves by the Federal Reserve are causing credit card rates to spike – giving people a double punch right in the wallet. Rising prices plus rising interest rates can create a costly debt spiral that’s difficult to escape.

Freedom First Credit Union 10 Tips to Fight Inflation this Holiday Season

The twinkling lights, delicious foods, and festive music are all signs the holiday season is upon us. Add in the precious moments with family and friends, and it’s a reminder of why it’s the merriest time of the year.

Whether it’s decorating, buying gifts, traveling, or entertaining guests, the holidays are also one of the most expensive times. But this year has people even more stressed as prices continue to soar.

Before you let today’s economic woes bah humbug your holiday spirit, review the following tips to help boost your spending power.

Freedom First Credit Union Spending Wisely with Credit Cards

Let’s face it…while credit cards are a great way to build your credit, they can get you into trouble if you’re not careful.  With so many people taking advantage of the ease of online shopping these days, overspending can happen fast, and before you know it, you’re up to your ears in debt.

Taking control of your spending is essential to maintaining a good credit score. And, when used appropriately, credit cards can actually help your financial situation.

Freedom First Credit Union Strategies to Pay Off Credit Card Debt

These days it’s easier than ever to make purchases. With most items only requiring a click, tap, or swipe of a credit card, you’re able to quickly purchase an item without ever thinking twice about it.

The problem lies in that most people don’t keep track of how many times they’re using their cards in a month. Then, when their statement comes, they realize just how fast all those little charges can add up. As a result, anxiety quickly sets in when trying to figure out exactly how to pay the outstanding balance.

Before you jump right into trying to pay down debt or hiding your statements hoping the debt will go away, it’s essential to have a strategy in place that will help you pay off your credit card debt.

Freedom First Credit Union Why You Should Keep Your Credit Cards Active

When you work diligently to pay off a credit card, nothing is more satisfying than seeing the balance hit $0. It’s a eureka moment – filled with accomplishment and freedom. And your next desire may be to shred the credit card and close the account. But is that the right move?

Freedom First Credit Union Is it Time to Look for a New Credit Card?


If you’re like most people, you probably have one or more credit cards in your wallet. Credit cards are one of the easiest and most convenient forms of payment, making them so popular today. Plus, with the ability to purchase just about anything and pay for it over time, many people tend to turn to them first.

Freedom First Credit Union Economic Revitalization

Freedom First works hard with local developers, business owners, and entrepreneurs to breathe new life into our region through commercial
redevelopment of existing properties, preserving and honoring the buildings’ historical significance to the surrounding community. One such project Freedom First was excited to finance was the restoration of the historic Fire Station #1 building in downtown Roanoke.

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