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Halloween Safety Tips

October 30, 2013

We hope you all have a Happy and SAFE Halloween and we wanted to share some safety tips from our friends at the National Center for Missing and Exploited Children.

  1. Instruct your older children to take friends when Trick or Treating.
  2. Make sure a trusted adult, an older child, or you accompany your younger children when Trick or Treating. A trusted adult is a person parents/guardians have come to rely on and with whom they and their children feel comfortable.
  3. Accompany, or make sure a trusted adult accompanies, your younger children to the door of every home they approach. Become familiar with each home your child visits and the people who are providing Halloween treats to your children.
  4. Teach your children to only enter homes with your prior permission and only approach homes that are well-lit both inside and outside.
  5. Teach your children to NEVER approach a vehicle unless they are accompanied by you, even if it appears that no one is inside the vehicle.
  6. Make sure your children wear reflective clothing and carry a flashlight or glow stick when traveling during the evening hours.
  7. Make sure your children are able to see and breathe properly and easily when using facial masks. All costumes and masks should be clearly marked as flame resistant.
  8. Teach your children to always stay in well-lit areas, never take shortcuts, and never go into isolated areas.
  9. Teach your children to stay alert for any suspicious incidents and report anything unusual to you and/or law enforcement.
  10. Teach your children if anyone tries to grab them to draw attention to themselves and loudly yell “This person is trying to take me,” or “This person is not my father/mother.” Instruct your children to make every effort to escape by walking, running, or pulling away; yelling; kicking; attracting attention; and/or otherwise resisting.
  11. Consider organizing or attending parties at home, in schools, or in community centers as a good alternative to Trick or Treating.

Posted in: Safety

Credit Card Tip #1: Get the most out of your credit card purchases

October 29, 2013

Almost every credit card offers some sort of perk: airline miles, rewards points, cash back, etc. So think about what perks you can use before you settle on a card. If you don’t like to travel, then a card that offers miles isn’t for you. Also think about how you use your card, and which cards let you earn extra points. If you’re a foodie who loves to dine out, then a double or triple restaurant points card is perfect. Just don’t forget to redeem those points!

Posted in: Visa

What’s a HELOC? How Would I Use One?

October 28, 2013

We get lots of questions about Home Loans and our resident expert, Mary Beth Geglia will be sharing the answers to some of the most common ones with us on the blog.

What is a Home Equity Line of Credit (HELOC) and what are good uses for it?

A Home Equity Line of Credit is a line of credit against your home. It differs from a Fixed Home Equity loan in that every time you make a payment on the HELOC, the money can be reused. Some examples of when this might be the right kind of loan for your are:

  • A child going away to college when you’ll need to send a different payment amount multiple times per year.
  • When you have multiple purposes for the money and you don’t need all the money at once. For example, putting in a pool one year, a deck the following year, and a vacation the third year.

You can make the payments on one project at reuse the money again when other projects come up. You’re also only making payments on the money you’ve drawn against it, not the entire amount.

Posted in: Home, Loans

Win First-Row Seats!

October 21, 2013

comets_header

We love to give back to our community, and we know that life is about having fun too, so this season we’re supporting Central New York and our new hometown hockey team, the Utica Comets®, by putting you first—in the first row, that is. We’re giving you a chance to win first-row tickets to a Comets home game, to see the action up close. The great part is, someone new wins every home game, and you can easily enter online.

We wanted to make it easy, so you can play during every home game, no matter where you are. Remember, you can enter once each game, only while the game is in session, and only at SwitchToFirst.org. And you don’t even have to be a Member of First Source to win (but who wouldn’t want to be?)

Check out this page during any home game, and you’ll see a special form to enter—you can find all the rules there, too. After each home game, we’ll award one lucky winner 2 tickets for first-row seats at the Comets’ next home game.

Good luck, and join us in some community spirit by cheering on our local team!

 

Posted in: Comets, Utica

Rome branch in pink for National Mammography day.

October 18, 2013

photoFirst Source employees are thinking pink today and into the weekend!

We are encouraging our employees and Members to join our team to support the fundraising efforts that are so crucial to finding a cure and providing support services to those newly diagnosed with breast cancer and to breast cancer survivors.

We invite you to join 38 First Source employees this Sunday at the Masonic Care Community for the Making Strides Against Breast Cancer Walk.

Help us to raise money and awareness for an amazing cause that touches all of us in some way! The walk starts at 10:00. Learn more here.

Posted in: Branch, Rome

The Difference Between a Mortgage and a Home Equity

October 18, 2013

We get lots of questions about Home Loans and our resident expert, Mary Beth Geglia will be sharing the answers to some of the most common ones with us on the blog.

What is the difference between a mortgage and a home equity loan?

Mortgages:

  • Are used to purchase a home or investment property only
  • Can be extended for 30 years
  • Closing costs are paid by the borrower
  • Requires a solid credit score to be approved

Home Equities:

  • Can be used for any purchases
  • Has a term of up to 15 years
  • Closing costs are paid by the institution for the borrower (in return they have to keep  the loan with us for a minimum of 3 years and one day)
  • Have more flexibility to get people with less than perfect credit approved
  • Require a lien to be put on your home as collateral

Fixed Rate Home Equity loans would be suggested as a loan to replace an existing loan that currently has a higher interest rate such as paying off credit cards, paying off college loans, repairs to the home or to purchase a rental or vacation property.

If you have other questions about Home Loans leave us a comment and we’ll be sure to answer them!

 

 

Posted in: Questions

International Credit Union Day

October 17, 2013

2013 international credit union dayInternational Credit Union Day has been celebrated the third Thursday of in October since 1948. The day is designed to encourage Members and staff to reflect upon the credit union movement’s history and to promote its achievements. The ultimate goal is to raise awareness about the great work that credit unions are doing around the world and give members the opportunity to get more involved.

This year the theme is “Credit Unions Unite for Good”. In this spirit of cooperation, our local credit unions have recently partnered together to help purchase one of five incubators needed by our local Children’s Miracle Network Hospital. So in lieu of a one day celebration this year, we are spreading the good news and asking our Members to come together to do the same. Signage will be displayed throughout the month encouraging Members to visit http://faxtonstlukes.com/ways-give and make a donation to the cause.

Posted in: for, Good, Unite

Stand With Us to Stop Bullying

October 4, 2013

If you’re a student and you’re concerned about bullying, here are some things you can do to avoid a bad situation:

  • Before you assume, learn the facts
  • Before you judge, understand why
  • Before you hurt someone, understand what it’s going to feel like for them
  • Before you speak, stop and think about what you’re about to say
  • In a stressful or already heated situation, calm down before you act; take a deep breath and count to 10
  • Don’t say anything in anger that you’ll regret. Your mood will change, but your words can’t be taken back

If you’re a parent and not sure what to say, here are some great conversation examples (click to download this PDF).

We have more information and resources here.

Posted in: students

October 3, 2013 is Carol R. Kloster Day

October 3, 2013

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Today is Carol Kloster’s 30th anniversary at First Source Federal Credit Union!!! Please join me in offering Carol congratulations on this great milestone.

We presented Carol with the following this morning:

BOARD RESOLUTION

Resolved:
Whereas Carol R. Kloster became an employee of First Source Federal Credit Union, formerly Utica Teachers Federal Credit Union, on October 3, 1983;

And whereas, Carol has been a dedicated and faithful employee for 30 years;

And whereas in honor of Carol R. Kloster’s 30th Anniversary, the Board of Directors hereby designates October 3, 2013 as Carol R. Kloster Day at First Source Federal Credit Union.

Signed this 28th day of September, 2013 in New Hartford, New York.

Posted in: Staff

Need to pay for repairs or renovations to your home?

October 2, 2013

Are you looking to insulate, build an addition, renovate or even buy a new home? Or maybe you want to refinance, but you’re not sure how to get it all done? We’ll take the time to understand everything you want to do, and find the perfect loan for what you need, from energy loans to home equity options, mortgages, and more.

Posted in: Hug

Member Andria Heath on Getting the Right Home Loan

October 1, 2013

Are you looking to insulate, build an addition, renovate or even buy a new home? Or maybe you want to refinance, but you’re not sure how to get it all done? That was First Source Member Andria’s challenge this past year, when she wanted to refinance her home. Find out how she looked for, and found, the perfect loan for her needs. We’ll take the time to understand everything you want to do, and find the perfect loan for what you need, from energy loans to home equity options, mortgages, and more.

 

Don’t stress. Call us. You’ll find the perfect loan at First Source, where we put You First.

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Posted in: Member

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