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This one may seem obvious. The sooner you file for a refund, the sooner you’ll get it back. The closer you wait until Tax Day, the busier the IRS is, and the longer it’s going to take to get your money back. I don’t know about you, but that’s a good enough reason for me.

Every January, we lay out our resolutions for the year to help us stay focused. Just putting them out there is a great first step: Research shows that people who openly make goals are 10 times more likely to reach them than those who don’t – and that applies to financial goals, too. But what’s the next step? How can you make it even more likely that you’ll keep those resolutions? Whether you’ve resolved to save money for a rainy day or your first-born’s college fund, we’ve got money management tips to help you stick to your goals all year.

According to finextra.com, London-based analysis firm Oakhall estimates the total annual cost of card fraud to issuers at an alarming $31 billion. The 2014 Target breach alone cost U.S. credit unions approximately $30 million, which, according to PYMNTS.com, equates to approximately $45,000 per credit union. While advanced detection and mitigation technologies can help credit unions reduce their exposure to fraud, educating employees and members on security measures they can take is just as important.

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