2024 signifies a new beginning. Take steps now to become financially responsible. This is your opportunity to set new objectives, which include making clear and sustainable plans for paying off high-interest debts.

To get started, make learning about personal finances a daily priority. To provide our members and community with a learning experience around important topics such as emergency savings, mortgages, and retirement planning, we offer a digital financial education program at: https://www.vlfcu.org/financial-literacy. The program is a series of three-to-ten-minute interactive learning modules on key topics and includes tools and calculators. All are welcome to take advantage of this free resource which will empower you to make informed decisions about all your financial matters on your own. Your financial well-being is important to us, and if you need additional help with consolidating debt, improving your credit score, or saving for your family’s future, stop by any branch office or call us toll-free today at 1-800-691-9299.

In addition to understanding the benefits of budgeting each month, setting a monthly budget, and achieving your financial goals, you can also help start your kids off on the right foot this year by setting a good example. It is never too early for children to learn. Children’s savings accounts make it fun for them to save and earn prizes just for doing so. Open an account for any child 12 years of age and under, and start teaching your children the importance of sound financial choices while they are young. They will thank you later. Visit https://www.vlfcu.org/personal/savings/dollar-dog-kids-club today and discover all the benefits our Dollar Dog Kids Club offers your child. From dividends, fun activities, and rewards, to special youth share certificates … the fun is just beginning!

For teenagers ages 13 to 19, our Youth Club Account will help them make the most of their money while earning dividends on their deposits. Visit https://www.vlfcu.org/personal/savings/youth-club-savings-account and help them reach their financial goals, too.

Ensure that outstanding high-interest obligations are addressed first this year. Remember, VLFCU is currently offering an introductory APR of only 3.99% for the first 18 months when you transfer the balance from another institution’s and/or retailer’s credit card to a VLFCU Visa credit card. There are no balance transfer fees or cash advance fees, and Visa Rewards credit cardholders earn bonus points when they transfer a balance of $1,000 or more. Transferring $1,000 up to $10,000 from your existing high-interest card to Visa Rewards earns you 10,000 Bonus ScoreCard Rewards points. Transferring $10,001 or more earns you 25,000 ScoreCard Bonus Rewards points. ScoreCard Bonus Rewards Points are only available on our Rewards Visa Credit Card, and our Pink Visa Credit Card. Our Rewards Visa Credit Card allows you to earn rewards and redeem them for cash, merchandise, gift cards, and more. Furthermore, the Pink Visa Credit Card earns rewards and contributes to cancer research.

We invite you to stop by any of our convenient locations, or give us a call and speak with one of our professionals about your financial goals. Make this your get-ahead year. Now is the time to get started before it is too late.