Credit Union Tips | Carolinas Telco FCU

A Guide to Understanding Buy Now, Pay Later

May 15, 2023

What is Buy Now, Pay Later? Buy Now, Pay Later (BNPL) services like Afterpay, Klarna®, and Affirm are growing in popularity, especially among Millennial and Gen Z shoppers. These services allow you to buy items over a set period instead of paying the total upfront. Originally popular in the clothing and beauty industry, the service …

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Fraud Prevention Series: Amazon Scams

Apr 14, 2023

Online shopping is a staple in our daily lives, leading to a new threat for online shoppers lately – Amazon scams. For a lot of us, Amazon is the go-to marketplace for shopping. But, as Amazon usage rises, so do the chances for scammers to take advantage of unsuspecting shoppers. Be vigilant against these Amazon …

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How to Set Up Transaction Alerts in Online Banking

Feb 8, 2023

How to Set Up Transaction Alerts in Online Banking 1. Navigate to https://my.ctelco.org/authentication 2. Click “Self Service.” 3. Click “Alerts.” 4. Click “Transactions.” 5. Select which transaction types you would like to receive alerts for. 6. Enter an amount into the “Amount” field. 7. Choose your delivery method. 8. Click “Save.”

Holiday Gift Budgeting Guide

Dec 12, 2022

Are you feeling bogged down by holiday shopping, gift wrapping, and parties galore? Sometimes the holiday season can feel less than merry and bright. Planning could be your key to keeping that bah-humbug feeling at bay. Let’s look at some budgeting tips for organizing your holiday spending. Tip #1: Take Inventory of the People in …

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Big “Boos” on a Budget

Oct 7, 2022

Spooky season is upon us, and we are excited for all the Halloween festivities! Do you celebrate the season by eating candy and watching scary movies on the couch, or are you the “fun one” on the block hosting all the Halloween parties? However you celebrate, the ghoulish festivities don’t have to break the bank. …

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Which Home Improvement Project Is Right for You?

Sep 12, 2022

Not all home improvement projects are created equal. While it may sound like a great idea to do a complete kitchen renovation with all the fixings, you want to be sure to tackle projects in your home that are likely to be worth your time and money. Whether you’re looking for bigger projects to give …

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How to Sign Up for eStatements

Aug 29, 2022

How to Sign Up for eStatements Did you know there is a quicker and safer way to get your statement every month? Replace your paper statements with eStatements, these electronic statements are easy to access and cut down on paper waste! … That’s it! You’ll be all set with secure and convenient eStatements!

A Mini-Guide to Refinancing Auto Loans

Jun 6, 2022

Refinancing your vehicle means taking on a new loan to pay off the balance on your existing auto loan, which can lead to significant savings in the long run. Here at Carolinas Telco Federal Credit Union (CTFCU), we aim to empower members with the knowledge they need to make intelligent decisions that enhance their …

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Holiday Hosting on a Budget

Dec 3, 2021

Hosting for the holidays can be a hectic experience but it doesn’t have to be. Follow these tips to jingle all the way to some festive moments and leave the financial hassle behind. Figure out your budget: How much can you comfortably spend? Tailor your guest list and plans according to your budget …

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Beginner’s Guide to Credit

Sep 10, 2021

Credit is a report card of your trustworthiness with money. It shows how responsible you are at borrowing what you can pay back and paying back on time. It may seem like one of those things you can live without when you’re first starting. Still, as your financial goals grow and change, you’ll need a …

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