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Want to make your kids Wild About Savings?

April 23rd, 2015

wildaboutsavingsThen help us celebrate National Credit Union Youth Week from Monday, April 20th through Saturday, April 25th. This year’s theme is “Wild About Savings”. You have two ways to win. Open a new youth account or make a deposit into an existing account to qualify for a chance to win a family pass and behind-the-scenes tour at the Utica Zoo. Or visit any branch, and have your kids draw, and write about, what they like to save for and why. Each form qualifies for a chance to win one of four $25 Toys“R”Us Gift Cards. Good luck!

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Everyone Deserves a Second Chance

April 16th, 2015

parsonsBad things sometimes happen to good people. You may find yourself in a situation you never thought possible. Maybe you had an emergency, and had to use your credit cards to bail yourself out of a bad financial situation. Now your credit cards are maxed out, you’re making minimum payments, the interest is killing you, and you keep falling further behind. Or perhaps you simply lost your job due to a slow economy, and to make ends meet, you’ve had to juggle some bills. Late payments have affected your credit history, and you don’t know where to turn for help.

Whatever your situation is, you’re not alone. You shouldn’t be penalized because of an unplanned incident or financial hiccup. At First Source, we know your credit score doesn’t say who you really are, or what you’ve been through. We want to know your story and see how we can help. It’s our mission to find solutions to our Members’ financial challenges, and we promise to do so in a compassionate and caring way. Our goal is to help you improve your credit score and get back on your feet. We’ll help you learn the best way to do that, and check in with you as you go to make sure you’re on track.

First Source is your financial partner for life, through good times and bad. Give us a call at 315-735-8571, or set up an appointment below to see how we can help you make your dreams come true.

 

Mike Parsons
President/CEO
First Source FCU

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Followup to our Utica College Livin’ the Dream Contest Winner

April 1st, 2015

CrossFamily

As a follow up to our Livin’ the Dream Utica College Hockey Night, the medical equipment that the Cross Family desperately needed has come in. The Cross Family was our Livin’ the Dream contest winner, needing a special seat for Shawn Cross who has Cerebral Palsy and cannot stand or sit on his own. The equipment was sourced locally though Community Medical Supply in Clinton. Cindy Cross is grateful for all that Community Medical Supply has been able to help their family with and to First Source for helping to fund the chair.

 

Be Wary of Tax Return Scams

February 25th, 2015

As we all know, unfortunately there are some not-so-nice people out there. Tax season seems to be a time they come out. Looking to steal money or account information, please be wary of scams. Trust your gut if something doesn’t seem right.
Here are some tips to help protect yourself from tax fraud:

During a tax scam, usually an individual calls on the phone or sends an email presenting themselves as an employee of the IRS or your state’s tax authority, under the guise of wanting to “help” with your tax filing. Usually this type of tax scam involves an unsolicited, bogus email regarding your tax refund or bill, or threatens an audit if you do not pay. These tax fraud emails also typically include the tax service’s name and official seal, and often link to a phony website in order to appear to be more official.

Please be wary of ANY emails or phone calls you receive from someone claiming to be an employee of the IRS or State, especially those that demand you pay immediately.

The Internal Revenue Service and your state’s tax authority will NEVER:

  • Initiate contact with you by phone, email, text, or through social media outlets to ask for your personal or financial information.
  • Require that you pay your taxes with a certain payment type, such as a prepaid debit card.
  • Call you and demand immediate payment. (The IRS or State will not call about taxes you owe without first mailing you a bill.)

If you receive an email about your federal or state taxes:

  • Don’t reply to the message.
  • Don’t give out your personal or financial information.
  • Forward the email to phishing@irs.gov and then delete the email.
  • Don’t open any attachments or click on any links, as they may contain a malicious code or virus that will infect your computer.
  • Check the website of your state’s tax return office to see how they recommend you report an attempted scam involving your state tax filing.

If you receive a call about your federal or state taxes:

  • Ask for a contact number and an employee badge number and then call back to verify its legitimacy
  • Call the IRS or the office of your state’s tax authority to inquire further.
  • Contact the Treasury Inspector General for Tax Administration. Use TIGTA’s IRS Impersonation Scam Reporting web page to report the incident.
  • Report the incident to the Federal Trade Commission through the FTC Complaint Assistant on their website (add “IRS Telephone Scam” to the comments of your report).

For more in depth information on how to detect or report tax scams, visit http://www.irs.gov/uac/Report-Phishing.

First Source Livin’ The Dream Contest

February 17th, 2015

DSCN1324 We are so excited to announce the winner of our Livin’ the Dream contest from Friday night’s UC Men’s Hockey Game, where First Source sponsored the evening. We had more than 400 entries and many amazing stories. We hope to share these dreams and stories and fulfill more throughout the year. After narrowing down finalists, our winner, chosen at random, was Cindy Cross. Cindy’s son has cerebral palsy and is in need of equipment to help make him more independent in his daily life. First Source is overjoyed to be able to fund this dream. Stay tuned as our Dream Team does more throughout the year… Below are some photos from Friday’s event.

Doing the Math

January 27th, 2015

CalculatorEver wondered how to start figuring out what you can afford for a house, car, or other larger purchase? Or how much to set aside to start saving for something? Or how long it will take to pay off a loan or credit card?

Often there are many different options and solutions to each of these questions. Depending on your payment schedule, how much you can put down to start, paying on interest versus principal, etc. can all have a different effect on your answer. There is also often insurance protection you can opt in for that isn’t figured in yet as well. You’ll want to meet with us to really look at all of these factors but before you come, if you’d like to get a general idea, we have some helpful calculators right on our website. Check these out to get started and get a rough idea of where to begin. When you’re ready we’ll help you find the right solution for you to save, or pay down that debt.

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