Give Your Kids the Gift of Giving

Give Your Kids the Gift of Giving

The holiday season brings a flurry of frenzied consumerism and endless shopping. As a parent, though, you want your kids to associate this time of year with giving and not just with taking. How can you give your kids a joyous holiday season and teach them about kindness at the same time?
 
The best way to do this is by actively encouraging your children to think of others. Try these activities to help bring the spirit of giving into your home this year:
 
One in = one out
Is your toy chest overflowing? Do your kids have more games than they need? Institute a rule this holiday season: When you’ve gotten a new toy, choose one to give away. Set up a large box in the corner of your playroom and have your children place one toy in the giveaway box for every new one they receive. They can choose older toys they’ve lost interest in or those they’ve outgrown. When the box is full, take a family trip to the local toy drive or to a needy family in the neighborhood. Watch your kids’ faces light up as they make others happy with their thoughtful donations.
 
Season’s greetings
Designate one evening this season for writing holiday cards. No, not to your family and friends – these cards are for children who’ve been stricken with illness. Set up a table with lots of cardstock and all your kids’ favorite crafts supplies. Speak to your family about sick children who might be sad this Christmas and could use a simple homemade greeting card to cheer them up. Have fun creating your masterpieces and inscribing them with positive, encouraging messages. Then, get your gang into the car and drive over to the local hospital to deliver them personally!
 
Grocery giveaway
Many grocery stores hold food drives during the holiday season. Help support a local cause and teach your children about giving to others at the same time. Take your child along with you on your next trip to the grocery and have them choose one food item to purchase for the food drive. If you usually let your child pick a treat at the grocery, ask them if they’d like to forego it this time and instead buy something for the needy. Make sure your child is the one to actually place the chosen food item into the collection bin so they can personally experience the joy of giving.
 
Senior moments
Does your child love performing? If you’ve got a young star at home, this is the perfect way to teach them to use their talents to make others happy. Have your child invite several friends over one afternoon and ask them to prepare a small dance or a short comedy routine. Let them dig through your costume collection to outfit themselves for their grand debut and practice their gig until it’s perfect. Then, deliver them to the local nursing home to spread cheer among the residents. They’ll relish the stardom and the residents will adore the little performance. That’s a win-win all around!


Apps to Download for Black Friday

Apps to Download for Black Friday

Shop with confidence this Black Friday and throughout the pre-holiday season by downloading these super-convenient shopping apps.
 

  1. ShopSavvy: ShopSavvy helps you find the lowest price available on any gift item on your list. Use the app to scan the barcode on any product, and ShopSavvy will pull up the best local or online deal for that item.
  2.  

  3. Discount Calculator: Stop overspending at the mall because of careless math mistakes. Let Discount Calculator do the brain work for you. Simply input an item’s price, its markdown and the sales tax. The app will tell you the final price you’ll pay. Wondering how much that sweater is really going to cost you with a 30% discount? Find out with Discount Calculator!
  4.  

  5. SlickDeals: Snag bargains this Black Friday by using the SlickDeals app. It’s powered by a community of 2 million+ members who post the hottest deals at local and major retailers in real-time. SlickDeals will also allow you to check for on-the-spot discounts as you shop and to set alerts if something you’re searching for suddenly goes on sale.
  6.  

  7. Flipp: Download this coupon app and you’ll be shopping with the equivalent of hundreds of flyers in your back pocket. Flipp will search through 800 major retailers to bring you discounts and coupons on all your favorite items. The app also features a customizable shopping list and a browse-by-item option so you can instantly comparison-shop instead of searching dozens of stores. Looking for extreme discounts only? Adjust the app’s percentage-off slider so it only shows products that are discounted steeply enough to fit your criteria.
  8.  

  9. Find My Car: Stop roaming through overcrowded parking lots while desperately searching for your car. Download Find My Car to save the GPS location of your car to your phone. Now you can zip out of the parking lot in no time at all!
  10.  

  11. Santa’s Bag: Browsing the mall and grabbing one in each color of everything you see can be great fun—until you get the credit card bill. Stick to your holiday budget this season by downloading Santa’s Bag. The app will help you organize your gift list and create and track a holiday budget. Say goodbye to Santa shock and hello to Santa’s Bag!


Fake Check Scams on the Rise

Fake Check Scams on the Rise


 
In early September, the Better Business Bureau (BBB) released a report warning about a spike in fake check scams. These scams now reach 500,000 victims each year.
 
The largest pool of victims of fake check scams are in their 20s – a segment of the population that is far more familiar with PayPal than with paper checks. This makes them easy victims for the scam.
 
Aside from ordinary checks, this scam can also be pulled off with cashier’s checks and money orders.
Regardless of the medium used, each of these scams will involve a scammer “overpaying” a victim and requesting that a check be cashed with the difference being deposited into a designated account belonging to the scammer.
 
Here are the most common variations of the scam:
 
1. “Buyers” send sellers a check written out for more than the asking price of an object sold on an online marketplace.
 
2. Lottery “winners” are rewarded with an inflated prize with instructions to pay back a part of the check to cover taxes or fees.
 
3. “Employees” are granted checks for supplies with instructions to wire back a part of it to the “company.”
 
In each case, the fake check or money order will seem to clear at the bank or credit union. It is only a few days later, when the victim’s payout to the scammer is deposited and the account does not have sufficient funds to cover it, that the scam becomes clear.
 
Wondering if a check is a fake? Hold it up to this checklist:
• Is the check’s paper stock weak and flimsy?
• Check the company’s name and address. Are they spelled correctly?
• Verify that the check’s identification numbers printed at the top and the bottom match up.
• If you’re allegedly holding a lottery winning check in your hands, it should be written out by a state lottery commission.
• Look for the special ink required for the Magnetic Ink Character Recognition (MICR) code at the bottom of the check.
• The check should have a routing number on it. You can Google the bank to find out if the routing number is genuine.
 
It’s also important to know which kinds of transactions are likely to be scams. If you come across any of the following, run the other way and don’t look back:
• You’re asked to wire money to a company you’re not familiar with.
• You’re given a check by a “buyer” that is made out for more than the item’s sale price.
• You’re given a check from a foreign bank you’ve never heard of.
• You’re asked to pay a fee to claim a “prize.”
 
Now that you’ve learned how to spot a fake check and which kind of transactions to avoid, those scammers don’t stand a chance!


Celebrate 70 Years of International Credit Union Day

Celebrate 70 Years of International Credit Union Day

On Thursday, Oct. 18, credit unions in our community and worldwide will come together to celebrate International Credit Union Day® and the role that financial cooperatives play in improving the communities they serve and the lives of their members the world over. This year’s theme, “Find Your Platinum Lining,” combines the traditional gift of platinum for 70th anniversaries, a play on the saying “every cloud has a silver lining” and a celebration of the platinum lining differences and impact credit unions and other financial cooperatives have made and continue to make for their members.
 
All credit unions share a common goal to offer access to affordable financial services to their members and to provide the tools and the opportunities to be financially self-sufficient. Making life choices and dreams a reality is the credit union difference that makes a real impact in our world.
 
Credit unions are unique because they are not-for-profit, democratically controlled, member-owned cooperatives. Credit unions pool their members’ assets to provide low-cost loans and other financial services in the best interest of the members, not to earn shareholder profits. The credit union movement’s cooperative spirit is embraced by members served in more than 89,000 credit unions in 117 countries worldwide.
 
Stellar member service and democratic control are just some of the many benefits of being a credit union or cooperative member. That’s as true of credit unions here in Santa Fe as it is in other cooperatively-owned financial institutions from Afghanistan to Zimbabwe. Credit unions and other financial cooperatives are founded on community service, a principle that has set them apart for more than 150 years.
 
This year we celebrate 70 years of International Credit Union Day. We hope everyone will join us on Thursday, October 18 with FREE Frito Pies and biscochitos from 11am to 1pm at any one of our six locations, as we celebrate the credit union difference, our proud cooperative heritage and the wonderful opportunities credit unions and other financial cooperatives offer members of our community every day.


Member Spotlight

Member Spotlight


Free Flu Shot

Free Flu Shot

Get your free flu shot!
 
Saturday, October 20, 2018: 9am – 12pm
 
• Walk-in clinics are open to the community
• No appointment necessary
• Flu shots are in limited supply
 
LA FAMILIA MEDICAL CENTER Flu Shot Clinics
 
Alto Street Clinic
1035 Alto Street Santa Fe, NM 87501
505-982-4425
 
Southside Clinic
2145 Caja del Oro Grant Road Santa Fe, NM 87505
505-438-3195
 
FIGHT THE FLU!


All You Need To Know About Buying A Used Car

All You Need To Know About Buying A Used Car


 
Step 1: Crunch the numbers
How are you paying for your new car? If you’re paying cash, you already have a car budget in place. If you’re taking out an auto loan, your lender will determine how much you can afford.
 
Also consider getting pre-approved for your loan before visiting the dealer’s lot. Stop by Guadalupe Credit Union today to find out about our fantastic auto loans!
 
Step 2: Create a target list
What make and model car do you want to buy? Check out Consumer Reports for reliability ratings on vehicles from the most recent model years. Aim to narrow your choices to three or four model cars.
 
Step 3: Research
Start researching prices and listings for your vehicles of choice. Visit a site like https://guadalupecu.cudlautosmart.com/ to get started. You can find used cars for sale in any of these locations:
1. The used-car section of new-car dealerships
2. Used-car dealerships
3. Websites where car owners privately sell their vehicles
 
When researching cars and listing prices, determine the average asking price for each car.
 
Next, find out all you can about each vehicle with a vehicle history report from Carfax.com.
 
Step 4: Call the seller
Contact the seller to verify the information you’ve learned about each car. If you’re using a private-party seller, ask about any possible mechanical issues. If you’re working with a dealership, ask if the car is still in stock and for any information you couldn’t find on your own.
 
If everything checks out, set up an appointment for a test drive.
 
Step 5: Test drive
Pay attention to these details during your test-drive:
• Is there sufficient legroom?
• Is the ride smooth?
• How is the acceleration?
• Does the “check engine” light stay on?
• Do you have full visibility?
• Are the brakes working well?
• Do all the lights work?
 
Next, ask for the vehicle’s service records to determine if it’s current on scheduled maintenance.
 
Step 6: Have it inspected
Having your car inspected by a mechanic can save you loads of aggravation and lots of money down the line.
 
Step 7: Negotiate
Make an opening offer based on the average price for your car and use all the information you’ve learned about your vehicle as bargaining chips. Be firm and you will end up with a fairly priced vehicle.
 
Step 8: Make it official
If you’re buying your car off a private-party seller, make sure the title and registration are officially transferred to you. If buying from a dealer, give careful thought to any extra protection that may be offered and consider talking to us here at GCU, as we can also help you pick the right loan and/or auto protection. Finally, read the contract carefully and make sure you have insurance before you drive off the lot.
 
Now, you’re all set to take your new car for its first spin!


Making Work Pay

Making Work Pay

But for adults, advancing our education often means a higher salary.
 
This month’s goal: Teach your kids that an advanced education and any time spent learning new skills or perfecting old ones increases a person’s marketability and earning potential.
 
Pointers to cover:

  • Employers pay more for advanced degrees.
  • Many professions require an advanced level of education.
  • Learning is an investment in your future.
  • Conversation starters

 
For kids under age 9:

  • What are some things you’ve learned in school that you’ve used at home?
  • Do you know what you want to do for a living when you grow up?
  • Would you rather spend more time in college if it means making more money afterward?

 
For kids over age 9:

  • Why do you think employers pay more for workers with advanced degrees?
  • Would you rather spend another 10 years in college if it meant you’d be earning double the salary, but would owe at least $100,000 in student loans? Explain your answer.
  • Is it always worth it to pursue higher levels of education?
  • What are some things you can do today that can help you excel when in college?


When A Bargain is Not a Bargain

When A Bargain is Not a Bargain


 
1. When you don’t need it
The price might be right. But, if the heavily marked-down item is one you don’t need, you’re just blowing money you could be using for savings or to purchase the stuff you actually do need.
 
2. When it’s a faulty product
Sometimes, it doesn’t pay to be cheap. If an item is retailing at a ridiculously low price, hold it up to this checklist to determine its quality:

    • Where was it manufactured? If the product has a designer label, but also has a “Made in China” tag, you’re looking at a cheap knockoff that isn’t such a bargain after all.
    • Are there any noticeable defects or missing parts?
    • Does the item look worn out?
    • Is the material cheaply made?

 
3. When it’s going to go bad before you can use it
Costco, we’re looking at you! Before buying in bulk to snag a great deal, be sure the food won’t go rancid or get stale before you can eat it.
 
4. When the “sale price” is the highest the item has ever been sold for at this location
Retailers sometimes feature an item’s price as a “sale price” when, in reality, the store has never sold it for more than the tagged amount.
 
The store might be basing its sale price on an inflated Manufacturer’s Suggested Retail Price (MSRP). But, if the MSRP was artificially inflated to begin with, you’re not getting a bargain.
 
Other times, the item will come with a pre-marked-down MSRP. The manufacturer’s label might read: “Original price: $49.99. Our price: $39.99.” Of course, the item was never sold at $49.99. If an item is really marked down, you’ll see another price tag slapped on top of the manufacturer’s label with the newer, lower price.
 
5. When you need to mail in a rebate
Rebates are a retailer’s best friend. Most of us are too lazy or forgetful to mail them in. We instead end up paying full price with the retailer getting the last laugh. Only pick up rebate items with an instant at-the-register rebate.
 
6. When it’s part of a liquidation sale
Avoid liquidation sales. While shoppers sometimes snag great deals, they are riddled with rip-offs. Retailers post signs claiming “Everything Must Go!” – but that’s where the honesty ends. The “Rock Bottom Prices” they advertise are often as high as the original MSRP – or even higher. The store owners are depending on shoppers to assume that all items are bargain-priced just because they’re at a liquidation sale. Stay away from liquidation sales or proceed with extreme caution.


Staying Safe Online

Staying Safe Online

Read on for steps you can take to keep yourself safe online.
 
Avoid fake sites
If you’re browsing a site you don’t usually use, ask yourself these questions to make sure it’s safe:
 

  1. Does your browser warn you against visiting the site? Your browser’s warnings are based on actual data and user reports.
  2. Is the web text riddled with grammar mistakes and typos? If a site looks like it was written by a second-grader, leave.
  3. Is the site secure? Only visit sites with an “https” and not just an “http” in the address bar.
  4. Does the digital footprint check out? Google the company’s name to see what’s being said about them.
  5. Is there a legitimate “Contact us” section? There should be an authentic physical address and phone number for the business.
  6. Is there an excessive amount of ads? If a website is practically covered in ads, it’s likely a fake.
  7. Check the shipping and return policies. If you can’t find this information, the site is probably bogus.
  8. Is the URL authentic? When redirected to another site, check the new URL to see if it matches the original company.

 
Practice password safety
It’s the key to your online life – keep it safe! Here’s how:
 

  1. Use a password generator. It’s best to use a password generator like 1Password or LastPass. These services will generate a super-secure password for every site you visit.
  2. Change your password. If you’d rather not use a password generator, change your passwords every 30-40 days.
  3. Never double passwords. Use a unique code for each site and service you use.
  4. Use strong passwords. Choose passwords that include a mixture of capitalization use, numbers, letters and symbols.

 
Update your browser
Perhaps the most important step of internet safety is keeping your browser updated. With just one click, you’ll increase your browser’s security and improve your computer by making it faster and compatible with more websites.
 
Above all else, an updated browser will provide better security. Internet companies are constantly looking for ways to protect you and keep you safer; take full advantage of their efforts by always using the latest version.
 
An updated browser offers stronger protection against the most recent scams, phishing attacks, viruses, Trojans, and more. Newer browsers have also patched up security vulnerabilities that may be present in your older browser.
 
Updating your browser is super-easy and super-quick. Late model computers will update automatically as soon as new iterations are released to the public. If your computer is a little older, you can choose the “auto-update” feature available on some browsers for the same results. Otherwise, you can update your browser manually by following the instructions on your browser. These are typically easy to follow and take just a few clicks.


T-Mobile Breach Affects 3 Million

T-Mobile Breach Affects 3 Million

T-Mobile announced last Thursday that it discovered and shut down a brief security breach. During the breach, hackers were able to grab the data of almost three million people. Compromised information includes the following: customer name, billing zip code, phone number, email address, account number, and account type. According to T-Mobile, financial data, social security numbers, and passwords were not affected by the breach.
 
T-Mobile is not aware of the identities of the hackers or whether or not they are government or criminal-affiliated, but the attackers were part of “an international group.” Text messages will be sent out to all customers affected by the breach.
 
What to Do Now
If you’re among those whose personal data was compromised, it’s a good idea to change your password. Once a hacker has your account number, phone number, and email address, it is easier for them to obtain your login information.
 
Additionally, you can also sign-up for an identity-monitoring service to keep tabs on any unusual activity with your accounts. Guadalupe Credit Union offers Worry-Free Checking and Worry-Free Checking Plus, which both include ID Protect®, a service that provides total identity monitoring.
 
For more information and to get started on your path towards peace of mind, give us a call at 505-982-8942 or CLICK HERE.


Mail Handling Tips

Mail Handling Tips


 
Before dumping any mail that contains personal or financial information, shred it. Don’t leave mail in your mailbox overnight, and don’t let it pile up if you’re going away for a weekend. You can call your local post office when you’re going away and ask them to hold your mail for you. If you get very sensitive information, consider opening a P.O. Box in your post office.


Putting Your Affairs in Order

Putting Your Affairs in Order

Q: How do I go about putting my financial affairs in order? It’s so overwhelming!
 
A: It’s very wise and helpful to create an advance plan for the distribution of your assets upon your death. This will create a protocol and ensure your preferences are carried out in the event of a medical catastrophe.
 
Fortunately, this is not as overwhelming as it seems. Here are seven steps you can take to make sure you’re fully prepared for any eventuality:
 
1. Take inventory of all your valuables and debts
First, list every physical item you own that’s worth $100 or more, like jewelry collections, vehicles and computers. Next, list all non-physical assets, including 401k plans, IRA assets and insurance policies. Include all open accounts with Guadalupe Credit Union and other institutions. While completing this step, check that all beneficiaries listed on these accounts are the ones you want and that all other information is correct. Third, list all your open credit card and other debts.
 
2. Select an estate administrator
Choose someone to be responsible for executing your will. Choose carefully: Remember that emotions accompanying your death may impair loved ones’ decision-making ability.
 
3. Send a copy of your assets list to your estate administrator
Date and sign your completed lists. Make three copies of each list and give the original to your estate administrator. Give your spouse another copy to place in a safe-deposit box and keep a third copy in a safe place at home.
 
4. Assign TOD designations
Prevent your assets from being distributed through an expensive court process by assigning a TOD, or transfer-on-death beneficiary.
 
5. Create a will
This will serve as the guide for the distribution of your assets upon your death, preventing family feuds and expensive court proceedings. Also, assign power-of-attorney to a designated lawyer, choose a health-care surrogate and select guardians for your kids and pets.
 
Sign and date your will, have two witnesses sign it and obtain a notarization on the final draft. Make three copies: one for your estate administrator, another to be kept in a safe place at home and a third for your spouse.
 
6. Create a living will
In case of a medical catastrophe, a living will is important. This document stipulates who is to make medical decisions on your behalf and specifies whether you’d like to be subjected to resuscitation or other invasive procedures.
 
7. Create an estate-information packet
By creating one master document, or an estate-information packet containing all important information, you’ll save your loved ones hours of work. Your packet should include details like your Social Security number, the location of your living will and your designated estate administrator.
 
Check out this link for a list that can serve as your guide when creating your estate-information packet: http://drotterholt.com/affairs.html
 
Now that your affairs are in order, you can enjoy life without the stress of, “What would happen if!”


Ready, Set, Go… To College

Ready, Set, Go… To College

The process of a child leaving home is a major milestone that is made extra complex because of the emotions it generates. The reality, though, is that there are some very concrete things that can be done to smooth this transition.
 
Medical Preparation
 
Schedule any necessary doctors’ appointments. Check that all immunizations are current, ask the doctor to fill out college medical forms and to write prescriptions for ongoing medications.
 
If your child has been seeing a mental health professional, make an appointment there, too. It’s best to request a letter describing your child’s issues in case you need it for support services. Decide if your child needs ongoing support from this professional or if you want to arrange for a new therapist at school.
 
Your child also needs easy access to medical insurance information; make sure this is in place before they leave.
 
High School Issues
 
Have your child check with their high school to make sure their latest transcripts have been sent to the college. Request all high school records, including testing results.
 
Pave the Way for Success
 
If necessary, make an appointment with the college’s disability services office. Learn about the services offered and determine the documentation your child needs to apply for services. Most colleges require students to register or apply; put this process in place before classes begin.
 
Ease the Transition
 
Spend some time looking at the course catalog with your child, discuss classes of interest and choose the best courses for them.
 
Pack Up
 
Work together to make a list of things to pack. Check off each item as you purchase and pack it. Labeling each item may help prevent loss.
 
Techie Stuff
 
Make sure your student’s technology is up-to-date.
 
Be at One with the Portal
 
Sit down with your child to check out the college’s online portal. You should both be familiar with it and with the information that is available.
 
Where’s the Library?
 
Look at the campus map to help your child identify important locations.
 
Finances
 
If your child does not have one yet, you may want to open an account that includes a debit card. Discuss how much money will be available. If you give your child a credit card, clarify when it is appropriate to use.
 
Thinking Ahead
 
Talk about how you will keep in touch. Are you comfortable with email only? Do you want a phone call or video call once a week? Clarify this before the big day.
 
You can also talk about ways to combat stress at school.


Check Fraud and Swiss Cheese

Check Fraud and Swiss Cheese

Just about every article you read about fraud, security and identity theft is based on the idea that with increased technology comes increased security. In fact, we do everything we can to bring as much cutting edge technology to your defense as possible. Unfortunately, some of the greatest vulnerabilities in your security come from low-tech attacks.
 
Think about it this way: A dedicated criminal wanting to get into your checking account has to spend thousands of dollars on an RFID skimmer, a device to crack your PIN and other technological marvels out of a “Mission: Impossible” movie, but when they get access, our fraud protection kicks in after only a very small expenditure. So, why would a criminal spend thousands of dollars when they could get the same benefits from spending $5 on a blunt object with which to threaten you physically? Why steal RFID signals out of the air when you can pick pockets and shop online? Why go high-tech and hassle with all our security experts when a criminal can go low-tech and wait for you to slip up?
 
It helps to think of your financial security as a metaphorical block of Swiss cheese. Every layer of security may have a few holes, just like every step you take to protect yourself has holes. The idea is that, if we put enough layers of cheese on top of each other, we can make sure that none of the holes go all the way through the cheese, leaving you vulnerable. In that spirit, we’ve identified a low-tech hole in the cheese, and we’re putting down another layer. We’d like to make sure you put down some cheese, too.
 
Check fraud is still a major problem, and it could get worse as EMV chips and software security make ATM and point of sale transactions more secure. Check fraud is an umbrella term for a variety of strategies scammers use, ranging from creating blank checks on computer software to stealing and using old checkbooks. Your checkbook is a source of fraud vulnerability for many of these strategies, but the ways to protect yourself are fairly simple.
 

  1. Treat your checkbook like cash. The easiest thing to do is to just not give thieves access to your checks. You wouldn’t put an envelope of cash in your mailbox with the flag up, would you? Then don’t do it with a utility check. If you’re going to mail a check, drop it into a blue USPS box on your way to work. You can also see what’s available to pay online. Our online services are really impressive, and if you set up an automatic payment through us or use our online Bill Pay system, you never have to mail a check again.
  2. Balance your checkbook every month. It may seem like a chore, but balancing your checkbook is the easiest way to make sure you’re the only one spending your money. Also, make sure to check your account transaction history on a regular basis and alert us if you notice any fraudulent activity.
  3. Destroy your old checkbooks and order new ones regularly. For whatever reason, you might have found yourself with old checks lying around. Maybe you were running low on checks and ordered a new checkbook but decided not to finish the old one because they came so quickly. Maybe you’ve moved and didn’t bother to finish the set with your old address. If that’s the case, destroy them. It’s worth the cost of a checkbook or the effort of a few minutes at the office shredder to keep from leaving yourself vulnerable.

 
It’s a different world for your checkbook than it was even a few years ago. Nationally, we’re writing fewer checks in fewer places and many of us don’t carry a checkbook at all. Across the country, speech teachers are showing “I Have a Dream” to their students and they have to pause the video to explain what a promissory note is and why Dr. King is talking about writing a check for freedom. They may seem old-fashioned, but that’s exactly why they represent such an important vulnerability in your financial security: They’re just paper and ink. No chips to crack, no PIN, no online security protocols. Don’t let your Swiss cheese have holes that go all the way through. Protect yourself from check fraud.


Shop the Sales

Shop the Sales


 
You don’t have to be a genuine Coupon Queen to save money on groceries. Teach your kids how to shop the sales and use coupons in the best way possible.
 
This month’s goal: Show your kids how much money you can save by shopping sales and using coupons.
 
Pointers to cover:
 

  • Basic couponizing guidelines.
  • Creating a weekly menu and shopping list around sale items.
  • How sales can really trim your grocery bill.
  • When sales aren’t as great as they’re made out to be.
  • Common pitfalls of shopping sales.

 
Conversation starters – Use several weekly circulars for these conversations.
 
For kids under age 9:
 

  • Can you find the best place to buy _____ (shampoo, detergent, soda, pasta, etc.) this week?
  • How much money do you think you can save by creating a dinner menu around sale items?
  • Does it make sense to buy anything just because it’s on sale? Why or why not?

 
For kids over age 9:
 

  • Do sales always mean better deals?
  • Does it always make sense to stock up on sale items? Explain your answer.
  • How much money do you think you can trim off a weekly grocery bill by shopping the sales?
  • In your opinion, how much saved money would make it worth it to drive to four different stores around town for getting the best-priced items?
  • Have you ever regretted purchasing an item that is on sale?


Member Spotlight

Member Spotlight


Look Before You Pump!

Look Before You Pump!


 
Gas-pump skimming is an old crime making a comeback, and your card may be at risk. Since skimmer devices are almost invisible, they can be difficult to spot. And Bluetooth technology lets the scammer remotely obtain the info it collects from as far as 100 yards away.
 
While EMV-enabled cards are more commonplace, gas stations have until 2020 to update their systems, making them vulnerable. Protect yourself against this hack by learning about card skimmers.
 
How it works
Hackers usually outfit the pump farthest from the convenience store with their skimmer. This way, they are out of the range of any security cameras at the shop’s entrance. The hacker places a skimming device on top of the pump’s card reader or inside the pump itself, and then leaves the area.
 
Choose your payment method wisely
You may seek extra protection by using a credit card or cash to pay at the pump. A credit card lets you easily dispute fraudulent charges.
 
The safest payment method might be cash, but remember that it cannot be replaced if lost or stolen.
 
How to spot a skimmer
If you don’t like the idea of using cash, you can still protect yourself by being on the lookout for skimmers. If something looks suspicious, don’t use that pump!
 
4 ways to spot a skimmer:
 
1. Use your eyes. Do numbers on the PIN pad look newer or bigger than the rest of the machine? Does anything look like it doesn’t belong? Is the fuel pump’s seal broken?
2. Check the tape. Many gas stations place serial-numbered security tape across the dispenser to protect their pumps. If the tape has been broken, or there’s no tape on the dispenser at all, it’s likely been compromised.
3. Use your fingers. Feel the card reader before sliding your debit card into the slot. Do the keys feel raised? Is it difficult to insert your card?
4. Use your phone. There are several free skimming apps, like Skimmer Scanner, that can scan a card reader for a skimming device and alert you if one is found. You can also check your phone’s Bluetooth for any strange letters or numbers appearing under “other devices.”
 
General card safety
It’s always a good idea to practice general safety when using a card to pay at the pump. Choose the pump closest to the store and always cover the number pad with your hand when inputting your PIN. It’s also a good idea to periodically check your account statements for suspicious charges.


Now Available

Now Available

GCU Members – We have some awesome new features available now on our Mobile Banking App.
 

 
If you do not have the fingerprint login option enabled, you can now save your login ID. Just key in the password and you are good to go!
 
Feel free to sign-up, reset your account if you have been locked out, or reset your password all within the app.
 
Additionally, if you click on the “More” button once you are in the app, you now have options to set-up, edit, and stop recurring transfers, transfer funds to any GCU account, set-up fingerprint authorization, and change your security questions!
 
Check out these cool new features TODAY!


Kids and Summer Jobs: Opportunities to Learn

Kids and Summer Jobs: Opportunities to Learn

Many teens have summer jobs. This is the ideal time to introduce them to some essential financial skills. The most important skill a young earner can learn is the discipline of setting aside funds for future use. Saving is not fun. It’s much more fun to spend. Unfortunately, at the end of summer, many teens have little to show for their hard work.
 
The good news is that saving can be just as habit-forming as spending. Help your child set some goals. One way would be to save a percentage of net pay. Another would be to help your teen determine a set spending amount for the week and then show them how to save everything else.
 
Once the money starts to grow, saving becomes more than a habit, it becomes a passion. The focus changes from owning things to being “rich.” When the time comes to discuss credit and credit cards, your child will be ready and responsible.


Save Hundreds with Meal Planning

Save Hundreds with Meal Planning

Meal planning is a simple and effective way to save a lot of money each month, not to mention cut down on pricey (and unhealthy) dining out. Serving home-cooked meals to your family not only reduces your grocery budget, it’s a healthy alternative to fast food. Here are a few tips and ideas to get you started:
 
1. Decide how you want to do your meal planning. Some people like to do bi-weekly, some weekly and a few will plan out monthly meal schedules. If you’re just starting out with this concept, start with weekly planning until you get the hang of it.
 
2. Make a list of your family’s regular and favorite meals, including side dishes to go along with entrees; for example, spaghetti and meatballs with salad and garlic bread, or tacos and beans.
 
3. Print out (or buy) a calendar. Sit down with it and the list of meals that you made. Start by designating each day a specific meal (Monday-meatless, Tuesday-casserole, etc.), to make it easier to plan your meals around certain days. But don’t be too set on the plan; make sure you can switch around dinners if schedules change and unexpected meetings come up.
 
4. Create your grocery list around your set meal plan. Check your pantry and freezer to make sure you don’t place duplicate items on your list if you already have them on hand. Scout your grocery store ads for sales on the items you need.


Member Spotlight

Member Spotlight


Protecting Your Passwords

Protecting Your Passwords

Yet, they do. Because your passwords are the key to your accounts, hackers and identity thieves are itching to get their hands on them. You need to take every precaution to make sure that they can’t. Aside from changing your passwords often and not giving them to anyone, make sure they’re not stored where they can be easily found. Keeping them only in your own memory is best. If you put them somewhere like your phone or a file in your computer, you’ve just put the key to your car under the mat.
 
Even though your car is locked, the reality is that it’s more likely to be stolen than if the key were on a ring in your pocket. Most importantly, select passwords that are easy for you to remember, but that should be impossible for less-than-ethical characters. For example, instead of a password like janesmith, which is easy for hackers to figure out, try something that is meaningful to you, but not to others. Take an old movie you loved, your college address, a football team, your child’s birthday or your first boyfriend’s name, and work it into a password that no one will be able to figure out.
 
For example, if you love the book, “A Tale of Two Cities,” by Charles Dickens, you could create a password using the title and the author’s name: atotccd. Okay, that’s something. Now, take it a step further and convert some of the letters to numbers. The “o” can become a “0” and the “t” representing “two” can be replaced with the numeral “2.” Capitalize the other “t” and the “d” and you have: aT02ccD. Take it a step further by replacing the “0” with two bracket symbols “()” and changing the “2” to a “3.” Now you have: aT()3ccD. That’s a tough password to crack, but will be easy to remember if you just retrace your steps. But, is it worth the bother?
 
Just ask anyone who has been a victim of identity theft.


Member Spotlight

Member Spotlight


Member Spotlight

Member Spotlight


President’s Day

President’s Day


Tax Forms Available Via Online Banking

Tax Forms Available Via Online Banking

Attention GCU Members:
You can now conveniently access your tax forms via Online Banking – in just 3 easy steps!
 

 
Step 1: Login to your Home Banking account
Step 2: Click E-Statements
Step 3: Select Tax Forms and download your 1099
 
Thank you!


Need Tax Help? – Update

Need Tax Help? – Update

Santa Fe Community College, in partnership with the AARP Foundation’s Tax-Aide, will host FREE income tax preparation assistance beginning Monday, January 29. The annual free tax preparation service will be available in the William C. Witter Fitness Education Center at SFCC, 6401 Richards Ave.
 
Beginning January 29, Tax-Aide Santa Fe will be available Mondays and Tuesdays, 8:30 a.m. to 4:30 p.m., and Saturdays 9 a.m. to 1 p.m. Assistance will be available through April 17, except when the college is closed (March 19-25 for spring break and March 30-April 1 for spring holiday). In addition, tax preparation assistance will be available starting Mon., Feb. 12 and run through Fri., April 13 (except Fri., March 30) at Our Lady of Guadalupe Church, 417 Agua Fria Street, Monday through Friday 9 a.m. to 1 p.m. For more information about the services at Our Lady of Guadalupe, please call 505-469-5717.
 
In addition to providing the location for tax preparation services, SFCC accounting students who were trained specifically for the service will be among the volunteers available to assist anyone in filing their taxes.
 
Exceptions for help in preparation may be made if the client has unusually complicated tax circumstances. The service is also not available to those with rental income or business income with expenses of $25,000 or more, a home office deduction, employees, inventory or an operating loss.
 
Those seeking assistance with their tax return must have all tax forms collected prior to coming in for help. Be sure to bring all of the information and documents you need, including these items:
 

    You must bring in last year’s printed tax return
    A photo ID and Social Security cards for yourself and your children
    All of your tax documents (W-2 year end wage forms from each job, for each person)
    If self-employed, all the income and expenses from your work and all 1099s
    If unemployed, the W2-G form from Workforce Solutions
    Social security year end statements
    All 1099s received (including those reflecting: Interest dividends, stock or CD sales, gambling winnings or losses, pension income)
    Proof of health insurance
    A list of expenses if you paid for child care, college or vocational training
    A list of medical expenses, anything paid out of pocket or not covered by insurance and mileage traveled to the doctor’s office
    A list of charitable donations
    A blank check to receive your refund via direct deposit, should you be eligible for one.
    Tax-Aide volunteers will help clients on a first-come, first-served basis.

 
For more information, please call 505-428-1780 or email taxaide2017@gmail.com.
 

Additionally, Tax Help Santa Fe, LLC will be providing low cost, FREE for low income seniors, tax assistance at the Santa Fe Place Mall beginning on January 26 and will offer assistance for those with business tax returns.

 
Hours: 8:30-5, Mon-Sat
 

Appointments recommended. To schedule your time slot visit www.taxhelpsantafe.com
 
Are you a GCU Member? Download the Tax Help flyer HERE and get $8 off.
 
Required Documents:
 
  • Photo ID
  • Social Security Cards for Parents and Children
  • Health Insurance proof that you have it and for Obamacare people, your IRS form 1095-A Health Insurance Marketplace Statement
  • Social Security: You must bring the year end statement from Social Security.
  • Property Tax: Bring the County Tax Bill
  • Interest, dividends, stock or CD sales. You should bring the 1099 forms from the bank Pensions: Bring the 1099-R form you received from the pension payer.
  • Gambling: Bring the 1099 tickets and Win/Loss report from the casinos.
  • W-2 year end wage forms from each job for each person. If you work for yourself, all the income and expenses from your work and any 1099’s you receive.
    Unemployment: You must bring the W2-G form from Work Force Solutions.
  • Bring the list of expenses you paid for Child Care, College or Vocational Training
  • Medical Expenses and Charity Donations: Bring a list of everything including mileage to doctors.
  • Mortgage Interest and Property Taxes
  • Direct Deposit: Bring a blank check to get direct deposit of your refund in 8-10 days with no fees.


Martin Luther King, Jr.

Martin Luther King, Jr.


Call for Candidates

Call for Candidates

Plan to join your GCU family for the Annual Meeting and Election on April 22, 2018! Visit guadalupecu.org for more information as we get closer to the event.
 
Have You Considered Serving? GCU Call for Candidates
 
Why Serve?
 
The biggest reason? To take an active role in an exciting, growing credit union that is making a difference for families and communities in Northern New Mexico. GCU is a not-for-profit financial cooperative, meaning that our members own the credit union. By electing volunteer officials from the membership, member-owners take part in planning the credit union’s future directions and policies, as well as oversee the health of its operations. This is a huge part of what separates credit unions from banks, and we couldn’t do it without you.
 
About the Board of Directors and Supervisory Committee
 
The Board of Directors is composed of five (5) volunteer members who meet monthly with GCU’s management team to review the financial health of the credit union; set policies that affect our members and help determine the future direction of the credit union. This year there are two (2) Board of Directors vacancies, with a three (3) year term, with an incumbent running for the open position.
 
The Supervisory Committee is the credit union “watch dog.” It is composed of five (5) volunteer members who meet monthly with management, staff and GCU’s internal auditor to ensure the credit union is following its policies and legal responsibilities, acting ethically and that the members’ funds are being managed safely and responsibly. This year there are two (2) vacancies, with a three (3) year term.
 
Who is Eligible?
 
Any member in good standing, age 18 and over, and who has been a member for at least two years, is eligible to run for the Board or Supervisory Committee. We are looking for a wide variety of ages, backgrounds, professional and volunteer experience to represent our diverse membership. Experience with accounting or financial institutions is helpful, especially on the Supervisory Committee, but is not necessary. We provide training and professional development opportunities to become an effective credit union volunteer.
 
How Does it Work?
 
As of January 2, 2018, the “Call for Candidates” has begun. Applications will be accepted until 5pm, February 9, 2018, at which time the Nominating Committee will review the applications and certify prospective candidates for two (2) positions on the Board and two (2) positions on the Supervisory Committee.
 
Questions?
 
For an application, or if you have questions about any part of the process or the positions, please contact Dee Ann Briceño at 505-216-0451 or dbriceno@guadalupecu.org.


VISA™ Credit Card

VISA™ Credit Card

VISA CREDIT CARD AGREEMENT AND DISCLOSURE
The following information amends the VISA Credit Card Agreement and Disclosure that was previously provided to you: CLICK HERE


Holiday Hours

Holiday Hours


Thanksgiving Day

Thanksgiving Day


La Familia Dental Screening

La Familia Dental Screening

Dental screenings are visual exams of the mouth without x-rays. Visual exam for cavities, oral cancer and free sealants for children.
 
No Appointment necessary – Children under 18 years of age must be accompanied by a parent or legal guardian.
 
Urgent identified dental needs will be referred to on-site dentist and may require payment For more information about this event visit us at www.lafamiliasf.org or call 505-984-5048.
 


Scholarships Now Available

Scholarships Now Available

Visit Guadalupe Credit Union for an application or download via the links below.
 
Scholarship Application – CLICK HERE
Scholarship Criteria – CLICK HERE
 
Application deadline: February 23, 2018
 
The New Mexico Credit Union Education Foundation does not discriminate on the basis of age, race, creed, national origin or gender.
 
FACTS:
 
WHO CAN APPLY FOR A SCHOLARSHIP?
Any New Mexico resident who is going to attend an accredited New Mexico college or university as an undergraduate student.
 
DOES CNM QUALIFY AS A COLLEGE?
Yes! Any vocational, two-year or four-year college or university in New Mexico qualifies.
 
WHERE CAN WE GET MORE SCHOLARSHIP APPLICATIONS?
Additional copies can be obtained by reproducing the forms that you have or visiting the Credit Union Association of New Mexico Web site at cuanm.org, under the Quick Links tab.
 
WHERE DOES THE STUDENT SEND THE APPLICATION?
Applications should be mailed to:
NM CU Education Foundation
4200 Wolcott Ave. NE
Albuquerque, NM 87109
 
WHEN WILL THE SCHOLARSHIP BE AWARDED?
The scholarships will be awarded the second quarter of 2018 and mailed directly to the financial aid office at the recipient’s designated school in August. Applications must be postmarked by Friday, February 23, 2018. Only completed applications post marked by Friday, February 23, 2018 will be considered.
 
WHAT ARE THE SCHOLARSHIPS BASED ON?
The Foundation’s Board of Directors review all scholarship applications for eligibility and then base their decisions on the following criteria (not necessarily in this order): financial need, scholastic achievement, presentation, extra curricular activities/community service, and references.


Veteran’s Day

Veteran’s Day


Shared Branching

Shared Branching

Shared Branch transactions will not be available
 
October 31st from 4pm through closing
 
The network will be down for maintenance.
 
We apologize for the inconvenience.


Member Spotlight

Member Spotlight


Columbus Day

Columbus Day


Member Spotlight

Member Spotlight


#MarkStrong

#MarkStrong

We have established a donation account at Guadalupe Credit Union for donations to help with Mark’s medical bills. If you would like to come in and donate, or participate in any of the multiple fundraisers, please come visit any GCU location.
 
Also, today only, stop by Chili’s in Santa Fe and present the flyer HERE to give 20% of the event day sales to the Mark Martinez Give Back Fund.
 
Thank you and please send prayers out to Victoria Sandoval Martinez and her family.


Protect Yourself: Equifax Breach

Protect Yourself: Equifax Breach

has a lot of people talking about their credit reports. Here’s what you need to know about how to protect yourself.
 
CLICK HERE
 
And remember, GCU is here to help. If you have questions or concerns, please call us at 505-982-8942 to set up a meeting with one of our financial coaches.


Member Spotlight

Member Spotlight


Labor Day

Labor Day

Although our branches will be closed, you can still access your accounts 24/7 via our Online and Mobile Banking services.


We’re Moving!

We’re Moving!


 
Check out our new location in Taos beginning on Monday, August 21 (630 Paseo del Pueblo Sur, Suite 140).
 
We look forward to seeing you there!


New ATM at Don Diego

New ATM at Don Diego

Our Don Diego location now has a brand new drive-up ATM! Stop by 1101 Don Diego Avenue and check it out.
 


Beware of Phishing Scams

Beware of Phishing Scams

The Federal Trade Commission (FTC) has warned of a recent upsurge in phishing scams involving credit union brands.
 
In all phishing scams, the scammer poses as a legitimate business or service provider where the victim may have familiarity. In this case, they claim to represent your credit union.
 
The fraudsters use social engineering, capitalizing on social norms to inspire trust and manipulate unsuspecting people.
 
The scammers usually communicate via email, but they may also use mediums like phone calls, text messages or social media. They convince the victims of their legitimacy by providing personal details about the victim that have been found online.
 
Next, the victim is lured into providing more information by the promise of compensation, or by claiming the victim needs to verify or update their account. Once the scammer has the information, they can empty the victim’s accounts, track their online activity and/or steal their identity.
 
Alternately, the scammer may lead a victim into clicking on links that are embedded with spyware. The links go to a website that looks just like [credit union’s] site, but is actually bogus. Since the victim thinks they’re browsing [credit union’s] site, they generally won’t hesitate to input usernames and passwords.
 
You can recognize these messages as scams by remembering that your credit union will never ask for sensitive information through insecure channels.
 
Unfortunately, hundreds of people are falling prey to phishing scams. Don’t be the next victim! Here are four tips to help you protect yourself:
 
1.) Ignore suspicious emails
 
If you receive an email from an unidentifiable source, ignore it. Don’t reply to the email, click on any embedded links or open attachments. Similarly, never “friend,” or otherwise accept communications with a stranger via social media. As a general rule, it’s best not to share any personal information over the internet.
 
2.) Alert Guadalupe Credit Union
 
If you think you’ve been contacted by a scammer who’s impersonating GCU, let us know! It’s best to forward the original email you received. If you’ve already deleted it, though, send us an email with every detail you can remember.
 
3.) Report all suspicious activity
 
File your complaint at www.ftc.gov. You can also visit the FTC’s Identity Theft website at www.consumer.gov/idtheft to learn how to minimize the fallout of a possible identity theft.
 
4.) Strengthen your computer’s protection
 
Efficient antivirus software will prevent your computer from accepting suspicious emails. If your software doesn’t update automatically, be sure to update it manually on a frequent basis.
 
A strong firewall prevents scams and viruses by making you invisible on the internet and blocking all communications from unauthorized sources.
Similarly, the settings on all of your social media outlets should be as private as possible. Finally, all suspicious email addresses should be added to your computer’s blacklist as quickly as possible. With good precautions and steps toward prevention, you can keep yourself safe from phishing scams!


Member Spotlight

Member Spotlight


Happy Birthday America!

Happy Birthday America!


GCU Recognized for Second Year by National Campaign Promoting Savings

GCU Recognized for Second Year by National Campaign Promoting Savings

Santa Fe, NM — Guadalupe Credit Union was recognized for the second year in a row with the 2017 America Saves Designation of Savings Excellence for its extraordinary efforts during America Saves Week/Military Saves Week to encourage members to save money. The award is presented each year to financial institutions that succeed in getting people to open and add to wealth-building accounts.
 
“This was our most competitive year so far, with institutions engaging in creative ways and offering savings incentives,” said Allie Vered, America Saves Director. “A lot of people don’t believe they can find the money to save. But saving is not an amount, it’s an activity. Convincing consumers to pay themselves first, to hang on to dollars instead of spending, and to take a pledge to achieve a goal go a long way towards helping them develop savings habits. We recognize Guadalupe Credit Union for their efforts to educate and inspire.”
 
Just two in five American households report making good or excellent savings progress. America Saves Week is an annual opportunity for people to assess their savings status and make a plan to start or increase saving, and for organizations like banks or credit unions to support good savings behavior. America Saves Week is coordinated each year by America Saves and the American Savings Education Council.
 
“We were thrilled to be included in the national recognition again this year,” said GCU CEO Winona Nava. “Our credit union’s overarching mission is to provide the tools to help our members achieve financial empowerment, to make their financial lives strong. Throughout this week-long campaign, we opened 86 new savings accounts, with a total balance of $29,582.31 ($344 avg. per account). Encouraging savings is just one way we are able to help our members reach their personal goals.”
 
Guadalupe Credit Union was one of only 16 banks and 16 credit unions recognized nationally.
 
2017 America Saves Designation of Savings Excellence Recipients:
 

  • Air Force Federal Credit Union
  • Andrews Federal Credit Union
  • Armed Forces Bank
  • BancorpSouth Bank
  • Dean Bank
  • District Government Employees Federal Credit Union
  • Dover Federal Credit Union
  • Eglin Federal Credit Union
  • Farmers Savings Bank
  • First Arkansas Bank & Trust
  • First Federal Savings and Loan Association of Port Angeles, WA
  • FNB Community Bank
  • Fort Hood National Bank
  • Guadalupe Credit Union
  • Hanscom Federal Credit Union
  • Home Federal Bank
  • Jax Federal Credit Union
  • Keys Federal Credit Union
  • LUSO Federal Credit Union
  • M&T Bank Corporation
  • Mechanics Bank
  • MECU of Baltimore
  • Navy Federal Credit Union
  • Pacific Marine Credit Union
  • Peninsula Federal Credit Union
  • Pioneer Valley Credit Union
  • Quontic Bank
  • I.A. Federal Credit Union
  • SmartyPig by Sallie Mae Bank
  • Southern Bancorp
  • Torrington Savings Bank
  • WesBanco Bank, Inc.

 
2017 Honorable Mentions:
 

  • Broadway Bank
  • Freedom Federal Credit Union
  • FreeStar Financial Credit Union
  • Frontier Community Credit Union
  • Heritage Bank & Trust
  • NSWC Federal Credit Union
  • Security Service Federal Credit Union
  • TS Bank

 
For more information about the America Saves Designation of Excellence visit:
 
Bank Designation: http://americasavesweek.org/america-saves-designation-of-excellence-for-banks-criteria/
 
Credit Union Designation: http://americasavesweek.org/america-saves-designation-of-excellence-for-credit-unions/
###
 
About Guadalupe Credit Union
Member-owned and not-for-profit Guadalupe Credit Union (GCU) is a certified Community Development Financial Institution that has served Northern New Mexico since 1948. Anyone who lives or works in Santa Fe, San Miguel, Río Arriba, Mora, Torrance or Taos counties is invited to join. GCU is an equal opportunity and housing lender and is federally insured by the National Credit Union Association.
 
About America Saves
America Saves is a campaign managed by the nonprofit Consumer Federation of America that uses the principles of behavioral economics and social marketing to motivate, encourage, and support low- to moderate-income households to save money, reduce debt, and build wealth. America Saves encourages individuals and families to take the America Saves pledge and organizations to promote savings year-round and during America Saves Week. Learn more at americasaves.org and americasavesweek.org.


Protecting Your Identity While On Vacation

Protecting Your Identity While On Vacation

Here are some common sense pointers you can follow this summer to make sure that you keep your identity your own:
 
1. Never leave your purse or wallet unattended.
 
2. Memorize all PIN numbers and passwords so that you don’t have to carry them with you. Also, be aware of your surroundings whenever using an ATM or during any other PIN entry situation, so that you can avoid being taken advantage of.
 
3. Don’t carry extra credit cards, Social Security cards or other identifying information that you don’t immediately need in your wallet unless absolutely necessary.
 
4. Don’t bring frivolous documentation with you. Talk with a travel professional before you leave and find out what you will and won’t need to bring with you. Only pack the paperwork that you’ll definitely need.
 
5. Make two photocopies of all important paper documentation and keep them in separate areas of your luggage.
 
6. Before you leave, contact your post office and local newspaper (if necessary) and have your mail stopped. You don’t want mail or newspapers to pile up while you’re away.
 
7. Keep a list of the credit cards and personal documentation you’ve brought with you (Be sure not to list account numbers!) and store it in a safe place wherever you’re staying. That way, if something goes wrong, you have a quick inventory to refer to.
 
8. If you discover that some of your personal information is missing, contact the authorities, credit card companies, etc., as soon as possible.
 
Most of all, help yourself avoid identity theft by following your instincts. Always be aware of your surroundings and never give criminals the opportunity to take advantage of you. Follow these simple tips, and you’ll find that this year’s family vacation will truly be a happy one!

 


Santa Fe’s BeWellNM Enrollment Center Open

Santa Fe’s BeWellNM Enrollment Center Open

Santa Fe’s BeWellNM Enrollment Center open during 2017 Special Enrollment Period
New Mexicans with qualifying life events may receive in-person assistance free of charge
 
SANTA FE, NM – BeWellNM’s Health Insurance Enrollment Center remains open to the public. During the Special Enrollment Period, individuals and families with “qualifying life events” may sign up all while guided by an enrollment counselor to access little to no cost health insurance. The Santa Fe Enrollment center is located at 2945 Rodeo Park Drive E Unit 5, for appointments call 505-954-1715. The Enrollment Center is a resource for New Mexicans seeking in-person assistance to learn about their health coverage options outside of the Open Enrollment season.
 
A Special Enrollment Period provides qualifying individuals and families with the opportunity to enroll in affordable health coverage that meets their medical needs and budget. Individuals may be eligible to apply for tax credits throughout the year. You may qualify for a Special Enrollment Period if you, or anyone in your household, lost qualifying health coverage in the past 60 days or expects to lose coverage in the next 60 days. Coverage losses that may qualify you for a Special Enrollment Period: losing health coverage or employment, loss of a family member, marriage, divorce, change of residence or birth of a new family member.
 
BeWellNM’s Santa Fe Health Insurance Enrollment Center is ready to serve consumers who need health coverage. The beWellnm.com website is also a resource where consumers can learn about health coverage options and obtain little to no cost health insurance. In addition to the enrollment center in Santa Fe, BeWellNM has offices available to the public in Las Cruces, Albuquerque and Gallup. On-site scheduled appointments are also available in Espanola, Las Vegas, and Pecos and are available year round. Free in-person assistance is available to the public in Spanish and other languages. Enrollment Counselors, Brokers and Agents can be found at our online tool at www.bewellnm.com/free-enrollment-help or by calling 1-855-996-6449.
 
Hours of operation for BeWellNM Santa Fe Enrollment Center Monday – Friday 8:00 AM – 5:00 PM
 
For more information about the New Mexico Health Insurance Marketplace, please visit www.beWellnm.com or call 1-855-996-6449 


Memorial Day Closure

Memorial Day Closure

All GCU locations will be closed on Monday, May 29 in observance of Memorial Day, but you still have access to your accounts 24/7 through our Online and Mobile Banking system.


New ATM in Española

New ATM in Española

Our Española location now has a brand new walk-up ATM! Stop by 460-G. N. Riverside Drive and test it out today.
 


Congratulations NMCUEF Scholarship Winners

Congratulations NMCUEF Scholarship Winners

Last week, the New Mexico Credit Union Education Foundation (NMCUEF) announced that 175 students have been selected to receive the 2017-2018 New Mexico Credit Union Education Foundation Scholarship. The 175 students were selected from a pool of more than 500 applications from across the state.
 
To read more about the NMCUEF Scholarship and see a list of the recipients CLICK HERE


Holiday Hours

Holiday Hours


Please Be Advised

Please Be Advised

Attention GCU Members:
 

 
Guadalupe Credit Union has received multiple reports of members receiving phone calls asking for their VISA information in order to lower their interest rates. Please do not give out your information. This is a scam. GCU will never contact you to ask for your personal information.
 
If you have any questions or concerns, please do not hesitate to call GCU directly at 505-982-8942 or 800-540-5382. Thank you!


Juntos Avanzamos

Juntos Avanzamos

Join us!
 

 
Friday, March 10, 2-7pm | Airport Branch – 3721 Academy Road in Santa Fe
 
FREE and OPEN TO THE PUBLIC, the fair brings together community groups with resources for everyone, but especially directed to the Hispanic community in Northern New Mexico. Participants include: Somos Un Pueblo Unido, Christus St. Vincent, United Way of Santa Fe County, beWellNM, Allegra Love Attorney, the Consulate of Mexico and more. Stop by to learn more and take part in the fun!

 


President’s Day

President’s Day


Guadalupe Credit Union Named Member Service High Performer

Guadalupe Credit Union Named Member Service High Performer


 
Guadalupe Credit Union has been named a 2016 fourth quarter top performer by outperforming its peers and earning among the highest scores in total member service experience.
 
Guadalupe Credit Union led a group of high performing credit unions across the United States in providing an extraordinary member experience based on direct member feedback. Utilizing the MemberView program, comprised of immediate and direct service and channel feedback from its own members, the credit union can identify specific strengths and opportunities in the service they deliver.

 
“Guadalupe Credit Union’s members can expect an extraordinary service experience based on this feedback from its members,” said Constance Anderson, founder of MemberXP, the company that administers the MemberView program. “There’s no better evidence of a great consumer experience than positive feedback from a company’s own customers, and that’s what this award signifies.”
 
About GCU: Member-owned and not-for-profit Guadalupe Credit Union is a certified Community Development Financial Institution that has served Northern New Mexico since 1948. Anyone who lives or works in Santa Fe, San Miguel, Río Arriba, Mora, Torrance or Taos counties is invited to join. GCU is an equal opportunity lender and is federally insured by the National Credit Union Association.


FREE Tax Help

FREE Tax Help


 
If you’d like your taxes prepared by Tax-Aide, bring all of the information and documents you would normally need for your taxes with you. In addition, you will need a photo ID and Social Security cards for yourself and your children, a list of expenses if you paid for child care, college or vocational training, and a list of medical expenses and charity donations. Please note, a blank check is required to receive a direct deposit into your account for your refund in order to not incur fees.
 
Tax-Aide is offered 8:30am to 5pm, Monday through Friday, and 9am to 1pm on Saturdays from now until March 18 and from March 26 until April 16.
 
Location: Witter Fitness Center on SFCC’s campus, 6401 Richards Ave.
For additional information: Peter Doniger, Santa Fe District Coordinator, AARP Tax-Aide at (505) 670-6835 or (505) 428-1780 or taxhelpsantafe@gmail.com.
 
Tax Preparation Assistance will also be available beginning on February 1 through April 18 at Our Lady of Guadalupe Church, 417 Agua Fria Street, Monday-Friday, 9am-1pm. Please note, this location will be closed March 13-19 and April 14-16.


Martin Luther King Jr

Martin Luther King Jr


Congratulations Brenda

Congratulations Brenda

Pictured L to R are Carla Decker, Paul Grinde, Richard Garcia, Armando Martinez, Brenda Dominguez, Jack Lawson, Pam Murphy, Paul Woodruff, Luis Peralta, Sheilah Montgomery, Richard Romero and Cheryl Fatnassi at the Federation’s 2016 Annual Conference. Not pictured are Board members Paul Phillips, Mignhon Tourne and Richard Williams.


 
Congratulations to our very own Brenda Lee Dominguez for her election to the National Federation of Community Development Credit Unions! We are so proud to have you representing GCU on a national level!
 
The Federation welcomes new board members Brenda Dominguez, Chief Lending Officer with Guadalupe CU in Santa Fe, NM; Richard Garcia, Chief Growth Officer with North Jersey FCU in Totowa, NJ; Luis Peralta, Chief Administrative Officer and Pres, NIX Neighborhood Lending with Kinecta FCU in Manhattan Beach, CA; and Richard Williams, Pres/CEO with Essential FCU in Plaquemine, LA!
 
Jack Lawson, Pres/CEO at Missoula FCU in Missoula, MT, is the Federation’s Board Chair; Carla Decker, Pres/CEO of District Government Employees FCU in Washington, DC, is Vice Chair; Brenda Dominguez is Treasurer; Sheilah Montgomery, Secretary on the Board of Directors at 1st Choice CU in Atlanta, GA, is Recording Secretary; and Cheryl Fatnassi, CEO at Opportunities CU in Winooski, VT, is Corresponding Secretary. Find a list of the full Board of Directors at http://www.cdcu.coop/about-us/board/board-of-directors/


GCU Call for Candidates – 2017

GCU Call for Candidates – 2017

Annual Meeting – Save the Date
 
Plan to join your GCU family for the Annual Meeting and Election on April 23, 2017! Visit guadalupecu.org for more information as we get closer to the event.
 
Have You Considered Serving? GCU Call for Candidates
 
Why Serve?
The biggest reason? To take an active role in an exciting, growing credit union that is making a difference for families and communities in Northern New Mexico. GCU is a not-for-profit financial cooperative, meaning that our members own the credit union. By electing volunteer officials from the membership, member-owners take part in planning the credit union’s future directions and policies, as well as oversee the health of its operations. This is a huge part of what separates credit unions from banks, and we couldn’t do it without you.
 
About the Board of Directors and Supervisory Committee
The Board of Directors is composed of five (5) volunteer members who meet monthly with GCU’s management team to review the financial health of the credit union; set policies that affect our members and help determine the future direction of the credit union. This year there are two (2) Board of Directors vacancies, with a three (3) year term, with incumbents running for the open position.
 
The Supervisory Committee is the credit union “watch dog.” It is composed of five (5) volunteer members who meet monthly with management, staff and GCU’s internal auditor to ensure the credit union is following its policies and legal responsibilities, acting ethically and that the members’ funds are being managed safely and responsibly. This year there is one (1) vacancy, with a three (3) year term. There is currently an incumbent running for the open position.
 
Who is Eligible?
Any member in good standing, age 18 and over, and who has been a member for at least two years, is eligible to run for the Board or Supervisory Committee. We are looking for a wide variety of ages, backgrounds, professional and volunteer experience to represent our diverse membership. Experience with accounting or financial institutions is helpful, especially on the Supervisory Committee, but is not necessary. We provide training and professional development opportunities to become an effective credit union volunteer.
 
How Does it Work?
As of January 2, 2017, the “call for Candidates” has begun. Applications will be accepted until 5pm, February 14, 2017, at which time the Nominating Committee will review the applications and certify prospective candidates for one (1) position on the Board and two (2) positions on the Supervisory Committee.
 
Questions?
For an application, or if you have questions about any part of the process or the positions, please contact Dee Ann Briceño at 505-216-0451 or dbriceno@guadalupecu.org.


GCU Holiday Hours

GCU Holiday Hours


Home Banking: Loan App Offline

Home Banking: Loan App Offline

The loan application feature within Home Banking is currently offline. Upon submitting a loan application, an error message will appear and it will fail to go through. Unfortunately, while GCU works to correct this issue, the loan application system will be under maintenance. We apologize for any inconvenience this causes. Please feel free to contact the credit union if you have any questions at 505-982-8942. Thank you and we appreciate your understanding. 


Good News for EMV Chip Card Users

Good News for EMV Chip Card Users

Sometimes it can be easy to forget your card when doing a chip-card transaction. To minimize cards left at the ATM after transactions, GCU ATMs will soon support ‘card before cash.’
 
With this software update, the terminal will prompt the member to take their card before the cash is dispensed for EMV/chip card transactions. Be aware that this new functionality means that transaction chaining (doing more than one transaction per card at a time) is no longer available since the member will have removed their EMV card from the card reader after one transaction.
 
CU Anytime is scheduled to roll out this update on January 3, 2017, so be on the lookout for those prompts to remove your card when you do a transaction at GCU or CU Anytime ATMs.


Financial Education Fair Teaches Decision-Making Skills to Students

Financial Education Fair Teaches Decision-Making Skills to Students

Participants from Early College Opportunity High School, Taos High School and Mora High School in Santa Fe, Taos and Mora participated in hands-on financial literacy fair
 

Photo 1: Taos High School students debate the value of luxury goods and services, including cell phone plans, when considering their overall budgets.

Photo 2: Ralph Nava, representing CUNA Mutual Group, helps Mora High School students make insurance choices based on their housing and transportation options.


 
Thanks to a grant from the National Credit Union Foundation, students in three northern New Mexico cities recently had the hands-on opportunity to learn about finances and how to calculate earnings and expenses in the real-world setting of Guadalupe Credit Union’s CU 4 Reality™ Financial Education Fair. Staff and volunteers met with more than 1,050 senior students in Santa Fe, Taos and Mora high schools to expose them to the important financial decisions they’ll need to make as they get older.
 
“Spending money has never been easier than it is today, especially for our young people,” said Winona Nava, President & CEO of Guadalupe Credit Union. “Too many students are learning to live beyond their means, because only a fraction of them are learning to manage their personal finances in school. We felt a hands-on experiential learning exercise would help make it more real than just numbers in a book.”
 
According to the Jump$tart Coalition for Personal Financial Literacy, nearly a third of all high school seniors use at least one credit card, nearly half use ATM cards and more than three-quarters have a savings or checking account. However, just 20% of high school seniors graduate with any formal instruction in personal finance.
 
Diane Sandoval, Guadalupe Credit Union’s Financial Empowerment Coaching Manager, said, “The CU 4 Reality curriculum creates a fun and interactive learning environment where students can practice specific financial management skills and learn early on the consequences of getting in over their head when it comes to financial matters. We had quite a few students who had to get new jobs or start over because of their initial spending decisions. The fair was a real wake-up call for some of the kids.”
 
Participating in a Reality Fair propels the students through the personal financial management process, including career selection, budgeting for housing, transportation, luxuries, and more. Each student receives a folder detailing his or her personal information specific to their career choice. After calculating their take-home pay, they create a monthly spending plan as they progress through booths representing various expenses they may incur, including food, clothing, housing, transportation, insurance, home furnishings, savings, investments, entertainment and credit. Based on their lifestyle scenario, they will also see alternatives provided and make choices based on their own values, goals and resources.
 
“The reactions and feedback from the students was telling,” exclaimed Nava. “They said things like, ‘It’s better to stay in school so I can get a good job,’ ‘Now I know what my parents go thru,’ and ‘I learned what you really need and don’t.’ GCU wants fill the need we see for financial education and continue to provide the information these kids need to become strong, financially healthy adults.”
 
Special thanks to the non-GCU Reality Fair Volunteers for helping make the fairs run smoothly, including Northern New Mexico Schools Credit Union, Zia Credit Union, CUNA Mutual Insurance, Horace Mann Insurance and the Credit Union Association of New Mexico.
 
ABOUT GCU: Member-owned and not-for-profit Guadalupe Credit Union (GCU) is a certified Community Development Financial Institution that has served Northern New Mexico since 1948. Anyone who lives or works in Santa Fe, San Miguel, Río Arriba, Mora, Torrance or Taos counties is invited to join. GCU is an equal opportunity and housing lender and is federally insured by the National Credit Union Association.


Scholarships Now Available!

Scholarships Now Available!

SCHOLARSHIPS NOW AVAILABLE from the NMCU Education Foundation
 
Visit Guadalupe Credit Union for an application or download via the links below.
 
Scholarship Application
Scholarship Criteria
 
Application deadline: February 24, 2017
 
The New Mexico Credit Union Education Foundation does not discriminate on the basis of age, race, creed, national origin or gender.
 
FACTS:
 
WHO CAN APPLY FOR A SCHOLARSHIP?
Any New Mexico resident who is going to attend an accredited New Mexico college or university as an undergraduate student.
 
DOES CNM QUALIFY AS A COLLEGE?
Yes! Any vocational, two-year or four-year college or university in New Mexico qualifies.
 
WHERE CAN WE GET MORE SCHOLARSHIP APPLICATIONS?
Additional copies can be obtained by reproducing the forms that you have or visiting the Credit Union Association of New Mexico Web site at cuanm.org, under the Quick Links tab.
 
WHERE DOES THE STUDENT SEND THE APPLICATION?
Applications should be mailed to:
NM CU Education Foundation
4200 Wolcott Ave. NE
Albuquerque, NM 87109
 
WHEN WILL THE SCHOLARSHIP BE AWARDED?
The scholarships will be awarded the second quarter of 2017 and mailed directly to the financial aid office at the recipient’s designated school in August. Applications must be postmarked by Friday, February 24, 2017. Only completed applications post marked by Friday, February 24, 2017 will be considered.
 
WHAT ARE THE SCHOLARSHIPS BASED ON?
The Foundation’s Board of Directors review all scholarship applications for eligibility and then base their decisions on the following criteria (not necessarily in this order): financial need, scholastic achievement, presentation, extra curricular activities/community service, and references


Holiday Closure

Holiday Closure

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GCU to be closed on Nov. 11 for Veteran’s Day

GCU to be closed on Nov. 11 for Veteran’s Day

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Protect Your GCU Debit Card

Protect Your GCU Debit Card

Members now have a new, FREE option to protect GCU Debit cards. Click here to register your debit card and protect your information when online purchases are made. Register to receive email alerts whenever an online purchase exceeds the amount that you set, your card is used outside the US, or when a purchase is made online or by phone.
 
Please take a minute TODAY to register your GCU Debit Card.
 
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Portraits for Gift-Giving and Family Albums

Portraits for Gift-Giving and Family Albums

To view additional package options, click here.

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Young America Football League

Young America Football League

Guadalupe Credit Union is honored to support the Young America Football League, teaching children teamwork, respect, and the fundamentals of football.
 
Pictured below are the Bears, the team that GCU sponsored.
 
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Columbus Day

Columbus Day

We will be closed on Monday, October 10th in observance of Columbus Day.
 
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Join Us!

Join Us!

Join Guadalupe Credit Union on Saturday, September 24th at the Southside Library – 6599 Jaguar Drive, Santa Fe. We will have Member Service Representatives on-site from 9am-2pm to open new accounts and assist you with all of your financial questions.
 
Note: If you are interested in opening an account and becoming a member of Guadalupe Credit Union, you must live or work in Santa Fe, San Miguel, Mora, Rio Arriba, Torrance, or Taos County, or have a family member who belongs to GCU. Also, please make sure to bring the following documentation:
 

  • Photo ID (Matrícula Consular, or a government-issued ID are accepted)
  • Proof of Address (Pay Stub or Utility Bill) – Must have physical address on either ID or proof of address. PO Boxes only will not be accepted.


Hispanic Heritage Month

Hispanic Heritage Month

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Each year, Americans observe National Hispanic Heritage Month from September 15 to October 15, by celebrating the histories, cultures and contributions of American citizens whose ancestors came from Spain, Mexico, the Caribbean and Central and South America.
 
The observation started in 1968 as Hispanic Heritage Week under President Lyndon Johnson and was expanded by President Ronald Reagan in 1988 to cover a 30-day period starting on September 15 and ending on October 15. It was enacted into law on August 17, 1988, on the approval of Public Law 100-402.
 
The day of September 15 is significant because it is the anniversary of independence for Latin American countries Costa Rica, El Salvador, Guatemala, Honduras and Nicaragua. In addition, Mexico and Chile celebrate their independence days on September 16 and September 18, respectively. Also, Columbus Day or Día de la Raza, which is October 12, falls within this 30 day period.
 
Presidential Proclamation by the President of the United States of America
 
(Excerpt) Throughout our history, our Nation has been enriched by the storied pasts of all who call the United States of America home. America’s Hispanic community has woven unique threads into the diverse fabric of our country and played an important role in shaping our national character as a people of limitless possibility. This month, let us honor their distinct heritage while reaffirming our commitment to enabling them to build a future bright with hope and opportunity for themselves, their families, and the country we love.


Member Spotlight

Member Spotlight

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Labor Day

Labor Day

Labor Day EN-SP


Member Spotlight

Member Spotlight

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Member Spotlight

Member Spotlight

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ACS Volleyball Tournament

ACS Volleyball Tournament

Join Guadalupe Credit Union on Sunday, August 21st for a special volleyball tournament at St. Michael’s High School (100 Siringo Road, Santa Fe).
 
Want to compete at the event? Download the registration form below to sign up your team and return it to any of our GCU locations. Only one form per team is necessary. All entry fee proceeds benefit the American Cancer Society – Making Strides for Breast Cancer.
 
Registration Form


Happy Birthday America!

Happy Birthday America!

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GCU Announces Six Additional Employees Are FiCEP Certified

GCU Announces Six Additional Employees Are FiCEP Certified

Pictured (from l-r) are Guadalupe Credit Union employees: Lloyd Quintana, Branch Manager; Gaby Leon, Financial Services Officer; Michael Sandoval, Account Solutions Supervisor; Patricia Gallegos, Financial Counselor and Edgar Mendoza, Dealer Relations Financial Services Officer. Britni Romero, Branch Manager, is not pictured.

Pictured (from l-r) are Guadalupe Credit Union employees: Lloyd Quintana, Branch Manager; Gaby Leon, Financial Services Officer; Michael Sandoval, Account Solutions Supervisor; Patricia Gallegos, Financial Counselor and Edgar Mendoza, Dealer Relations Financial Services Officer. Britni Romero, Branch Manager, is not pictured.


 
Santa Fe, NM – Guadalupe Credit Union (GCU) is proud to announce that employees Patricia Gallegos, Gaby Leon, Edgar Mendoza, Lloyd Quintana, Britni Romero, and Michael Sandoval recently passed certification exams for the Enhanced FiCEP program. Guadalupe Credit Union currently has eight certified financial counselors on staff, with another three currently in training.
 
“I am so proud of our employees,” said Winona Nava, GCU CEO. “GCU is focused on providing financial empowerment and as certified Credit Union Certified Financial Counselors, these GCU employees are ready and able to assist our credit union members reach their financial goals.”
 
The Enhanced FiCEP program (Credit Union Financial Counseling Certification Program) is a unique partnership between the National Credit Union Foundation’s REAL Solutions program, CUNA’s Center for Professional Development (CUNA CPD), credit union leagues and credit unions to train staff who are then able to give professional financial counseling and education to help members better prepare for their future and to assist when they are faced with financial difficulties. FiCEP enables all credit union staff to become more confident in helping members build a stronger financial future.
 
“This training helps staff learn about the real world problems our members face every day and provide the right kind of counseling that will fit their specific situations. At GCU, we’re committed to helping people from all backgrounds,” said Diane Sandoval-Griego, GCU Financial Counseling Manager. “I’m very excited for our members to have this advantage and grateful that these employees were willing to take this extra step to better counsel our members.”
 
Member-owned and not-for-profit Guadalupe Credit Union (GCU) is a certified Community Development Financial Institution that has served Northern New Mexico since 1948. Anyone who lives or works in Santa Fe, San Miguel, Río Arriba, Mora, Torrance or Taos counties is invited to join. GCU is an equal opportunity and housing lender and is federally insured by the National Credit Union Association.


Memorial Day

Memorial Day

Memorial Day Closed Sign Bilingual 2016


Member Spotlight

Member Spotlight

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New ATM at Airport Branch

New ATM at Airport Branch

GCU has upgraded the ATM at our Airport Branch (3721 Academy Lane, Santa Fe) to take cash and paper deposits – which means you can make a deposit anytime of the day or night! Come on by and check it out!
 
New ATM


GCU Once Again Named “Top Workplace”

GCU Once Again Named “Top Workplace”

Pictured (from l-r) are Guadalupe Credit Union employees: LaGina Glass, HR Director; Winona Nava, President & CEO; and Dee Ann Briceño, Executive Assistant, accepting the Top Workplaces award plaque at this year’s ceremony, held May 16 in Albuquerque, NM.

Pictured (from l-r) are Guadalupe Credit Union employees: LaGina Glass, HR Director; Winona Nava, President & CEO; and Dee Ann Briceño, Executive Assistant, accepting the Top Workplaces award plaque at this year’s ceremony, held May 16 in Albuquerque, NM.


 
Santa Fe, NM – Guadalupe Credit Union, a community-focused credit union with six branches in northern New Mexico, has once again been named to The Albuquerque Journal’s Top Workplaces list for 2016. The Top Workplaces program, run by WorkplaceDynamics, is set up to recognize companies that have a great work environment in the Albuquerque area. The evaluation, conducted through a multiple question employee survey, is based purely on employees’ opinions of their companies.
 
The evaluation takes into account employee benefits, support of the local community, employee perks, and the strong connection between employees and the company. Most importantly, a top workplace is an organization where the employees feel inspired and are given the room to create innovative work.
 
“At Guadalupe Credit Union, our employees take pride in the personal financial solutions they are providing for members and strive to be trusted resources in every facet of members’ lives,” said Winona Nava, Guadalupe Credit Union CEO since 1991. “Our culture reflects a passion for helping others and a drive to provide the tools and skills for personal financial empowerment. Over the years, we have focused on hiring and promoting team members who have similar core beliefs, values and attributes.”
 
At Guadalupe Credit Union, employees work together to build a great company; where talented people want to be and where each employee is excited to go to work. The pervasive culture is rooted in the notion that the more than 16,500 members are family and that the credit union is more to members than just banking.
 
“I am excited about the ongoing recognition of Guadalupe Credit Union as a top workplace,” Nava continued. “Our culture doesn’t just reflect what we do, it defines who we are. It’s our way of life. We strive to remain committed to our credit union’s vision, while providing a workplace that enables our employees to make a difference while improving themselves and the lives of our members.”
 
About GCU: Member-owned and not-for-profit Guadalupe Credit Union is a certified Community Development Financial Institution that has served Northern New Mexico since 1948. Anyone who lives or works in Santa Fe, San Miguel, Río Arriba, Mora, Torrance or Taos counties is invited to join. GCU is an equal opportunity lender and is federally insured by the National Credit Union Association.
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Santa Fe BeWellnm

Santa Fe BeWellnm

Santa Fe BeWellnm Walk-In Enrollment Center to Remain Open for Special Enrollment Periods through June 30
 
BeWellnm, New Mexico’s Health Insurance Exchange (NMHIX), announced that its Santa Fe Enrollment and Assistance Center will remain open after the open enrollment deadline through June 30. The extended time period will allow those with qualifying life events to receive assistance during special enrollment periods. The Center, located at 2945 Rodeo Park Dr. E, Unit 5, will continue to remain available for New Mexicans to drop-by with or without an appointment to learn more about their options and get free in-person assistance from brokers, agents and enrollment counselors to enroll in affordable health coverage for themselves and their families through the Exchange.
 
A special enrollment period is a time outside of the open enrollment period during which New Mexicans and their families have a right to sign up for health coverage. A person qualifies for a special enrollment period 60 days following certain life events that involve a change in family status (for example, marriage or birth of a child) or loss of other health coverage.
 
The Center in Santa Fe first opened to the public for the 2016 open enrollment period, which ran from November 1, 2015 to January 31, 2016. New Mexicans who are looking for health insurance can visit the Center or visit beWellnm.com to learn more about their options and enroll in coverage.  In addition to the walk-in center, beWellnm has opened additional centers in Farmington, Las Cruces, Albuquerque and Gallup, which will also remain open until June 30. Consumer assisters including agents, brokers and enrollment counselors are also available throughout the state to help with enrollment in English, Spanish and other languages.  They can be found through our locator tool at beWellnm.com or by calling the consumer help center at 1-855-996-6449.  BeWellnm is working in partnership with the New Mexico Primary Care Association to provide staffing for the location.
 
Center hours in Santa Fe through June 30 will be Monday – Friday, 8 a.m. -5 p.m.
 
For more information on New Mexico Health Insurance Exchange, please visit www.beWellnm.com, call 1-855-99NMHIX (1-855-996-6449) or text beWellnm to 311411.


System Maintenance

System Maintenance

Please be advised that we have some system maintenance dates approaching – Sunday, May 15, from midnight to 2:00am MDT, and Saturday, May 21, from 6-7:00pm MDT. During these times, Mobile and Online Banking will be unavailable. We apologize for any inconvenience and appreciate your understanding.


GCU Nominated for “Best Credit Union!”

GCU Nominated for “Best Credit Union!”

We are so excited! Guadalupe Credit Union has been nominated again for “Best Credit Union” in this year’s “Best of Santa Fe” voters’ poll sponsored by the Santa Fe Reporter. This nomination means a great deal to us because it comes directly from our members. We love our community and are proud to offer our very best to anyone who needs financial services in northern New Mexico. 

Now we are asking for you to show your support for GCU. Voting for each category began May 1st. Please cast your ballot in the final voting by going online to the Santa Fe Reporter’s website or by clicking the button below. Look for the “Services” tab and select the Credit Union category and click on Guadalupe Credit Union to vote.

Every vote counts and your participation is greatly appreciated!

http://sfreporter.secondstreetapp.com/l/Best-of-Santa-Fe-2016/Ballot/Services


Fiesta Para Bebés

Fiesta Para Bebés

The Santa Fe Community Foundation’s Baby Fund will host the second annual community fair and celebration called the Fiesta Para Bebés: Celebrating the First Five Years of Life-
 
For more information CLICK HERE
 
Fiesta-Para-Bebes


Today, Tomorrow, & Saturday

Today, Tomorrow, & Saturday

Looking for a new or new-to-you car or truck? Don’t miss the Cinco de Mayo car sale! Join Guadalupe Credit Union and Capitol Ford – 3 days only – May 5th, 6th, and 7th. In addition to $250 cash back for any new, used or refinanced vehicle loan, we’re also offering no payment for 60 days, and a chance to win a $555 gift card. GCU lenders will be on-site at Capitol Ford Lincoln in the Santa Fe Auto Park. See a lender for specific auto rates and lending restrictions. GCU is an equal opportunity lender.
 
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Cinco de Mayo Celebration

Cinco de Mayo Celebration

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Join Guadalupe Credit Union and Capitol Ford Lincoln on May 5th, 6th, & 7th for a Cinco de Mayo Car Sale Celebration.
 
$250 Cash Back* | 60 Days No Payment* | Plus, register to win a $555 gift card!**
 
GCU lenders will be on-site at Capitol Ford Lincoln in the Santa Fe Auto Park.

 

*Only for vehicles purchased from Capitol Ford and financed by CCU during this 3-day event. •• Payment due date will be determined at the time of loan closing. 

**Must be 18 to register, limit- one registration per household.


Comcast Cares

Comcast Cares

Diapers Edit
 
April 25-29, Guadalupe Credit Union will be collecting donations of $5 and diapers at all of our Santa Fe branches in honor of Comcast Cares Day.
 
If you are interested in volunteering with Comcast and The Food Depot on April 30th for Comcast Cares Day, please contact Jennifer West – Community Relations Coordinator – at 505-471-1633 ext. 26.
 
With your support, let’s make Comcast Cares Day a success! Thank you!


New GCU Home Banking

New GCU Home Banking

Home Banking Now Here EN


GCU Bill Pay Temporarily Down

GCU Bill Pay Temporarily Down

GCU Bill Pay is currently down. We apologize for any inconvenience and will have it up as soon as possible. Thank you for your patience.


New and Improved GCU Home Banking Coming Soon!

New and Improved GCU Home Banking Coming Soon!

We care about our members and want your experience with GCU to be the best possible. We’re upgrading our Home Banking and we think you will love all the new and improved features!
 
Keep an eye out – we’ll be switching soon!


GCU 68th Annual Meeting

GCU 68th Annual Meeting

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Thank you to all of our members and GCU staff who attended our 68th Annual Meeting yesterday. Your amazing support made the celebration a major success.
 
If you would like to see photos from the event, please visit our Facebook page HERE.