#savefirst

[arioagio]

Save yourself. Redeem yourself. 🧐

[sandhujitendra]

8 Habits to Save Money- @SandhuValueInvesting 8. Do not take DEBIT. 7. Maintain accounts of your expenses. 6. Leave bad habits. 5. Maintain proper records (Medical, insurance, warranty cards, bank records, ID cards, ESI/PF, Income tax records, bills etc.) 4. Save & Invest (Fixed Deposits, Gold/Silver, Mutual Funds, Stocks, NFT, Cryptocurrency, Property etc.) 3. Buy in Bulk. 2. Save your health. 1. Never stop learning... if you like this post... LIKE SHARE COMMENT. https://sandhuvalueinvesting.blogspot.com/2021/12/8-habits-to-save-money.html #SandhuValueInvesting #habits #8habits #habitstosavemoney #save #savefirst #savemoney #saveinvest #saveme #savemoneylivebetter #savemoneytips #savemoneytime #savemoneytoday #savemoneysavetheplanet https://www.instagram.com/p/CX8rDo6PMDE/?utm_medium=tumblr

[morepopcornplease]

My brother and I work for a nonprofit so we can vouch for said charity actually doing the thing it says it does - right now we're doing "SaveFirst" and doing taxes for free after two hundred (200) hours of tax training and IRS certification. VITA sites ftw lol! I really have done. SO many taxes. For free. 600 taxes

Just looked it up! BRILLIANT.

[phattazz2-blog]

My Goal is to add value to other people's lives #genesisfinancialservices #incomeshifting #cpa #budgeting #savefirst #investing

[ekamaulina]

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[buffpidgey]

Hi! I hope youve been well and that work and life hasnt been too hectic! do you think youll be updating on the 20th?

Haha life HAS been hectic, and honestly, after the shitstorm that was Hell Month, I think a lull is understandable... it had to happen sometime, after all.

Life will continue to be hectic for me, unfortunately, since at my job we’re entering TAX SEASON (btw, if anyone is in AL, TN, SC, or FL and wants your taxes done by IRS certified volunteers FOR FREE, look up SaveFirst)

But the good news is that I WILL be updating on the 20th! And I’ve started work on chapter 15! We are chugging along~

[davidcdelreal]

Navy Federal Credit Union Review

You probably won't be surprised to hear there are over 6,000 banks and another 6,000 credit unions in the United States. You can't drive down the road without passing at least a dozen different banks.

If you're looking for a new bank, it can be an overwhelming search. Each bank or credit union is going to offer different products, accounts, and rates.

If you're like most people, you're going to start your search at the large national banks, but you could be missing out on some of the best choices by not looking at the top credit unions. If you don't have any credit unions on your list, you're making a serious mistake.

This article is going to look at Navy Federal Credit Union (NFCU) and help you decide if they are the best financial institution for you.

Who is Navy Federal Credit Union?

Navy Federal Credit Union has some old roots. They were established way back in 1933 as the Navy Department Employees' Credit Union of the District of Columbia (that's a mouthful).

They were created as a credit union for Navy Employees who were members of the Federal Employee's Union. A year later, in 1943, President Roosevelt signed the Federal Credit Union Act, which became the foundation for credit unions.

In 1947, Navy Department Employees' Credit Union of the District of Columbia was dissolved and reestablished as an official federal credit union, which they named Navy Department Employees Federal Credit Union. At this point, they also opened up membership to all Navy employees and personnel in the Washington area.

In 1954, 21 years after their establishment, they officially became Navy Federal Credit Union. At this point, they opened their memberships to enlisted personnel. Through the years, they have continued to change and evolve. They have continued to grow and improve their products and services. They have become one of the largest and most influential credit unions on the market.

Today, they have over 7 million members across the country, and they have over $78 billion in assets.

Banking with NFCU

If you're looking for a credit union with dozens of banking options, then NFCU is the best option for you. They have dozens of account options you can choose from. Each one is slightly different. I'm not going to outline all of the options, but I will hit some of the most popular ones.

e-Checking

The e-Checking account is one of the most popular accounts NFCU offers. This account has a monthly fee, but you can avoid it if you sign up for direct deposit. If you're like most people, you're going to be using direct deposit anyways.

These e-Checking accounts earn a modest dividend rate, and you can get rebates on ATM fees for up to $10 for every statement. As long as you don't plan on walking into a physical branch, this is an excellent choice for you.

Flagship Checking

The Flagship Checking account is one of the premier accounts at NFCU. This plan has a tiered dividend system which is based on your account balance. The APY is going to be significantly higher with this account compared to the other accounts.

There is no minimum deposit to open the account, but you might have to pay a monthly fee. There is a $10 monthly fee if your account balance is below $1,500. If your balance is more than the $1,500 threshold, you won't have to pay any monthly fees. This is an excellent option for anyone who plans to hold a significant amount in their checking account and want to earn money based on the balance.

Campus Checking

As you can probably guess from the name, this account is designed for students to start saving. This account is available to any student between the ages of 14 – 24, and they won't have to pay any service fees, and there is no minimum balance requirement.

It's never too early to set your child up with a checking account. It's the perfect way to teach them the importance of saving money and wise spending.

Free EveryDay Checking

Free EveryDay Checking is the most basic option for banking you can find at Navy Federal Credit Union. There is no monthly fee and no minimum balance requirement you'll have to meet. If you want a straightforward checking account which won't be sunk by fees, then this is an excellent option for you.

With this account, you will earn a modest 0.05% APY (currently), and you'll have access to the same benefits of all the other accounts, like thousands of ATMs.

NFCU also has a few savings account as well. They have a basic savings account, education savings account, and a SaveFirst account.

The basic savings account is exactly what it sounds like. It offers competitive interest rates with no fees. If you want a straightforward savings account, this is it.

Their SaveFirst is one of their more exciting savings accounts. This account lets you set a maturity date for the account, open the account with a $5 initial deposit, and then have dividends compounded daily.

Borrowing with NFCU

Lending is one area where NFCU shines among its competitors. They offer personal loans, mortgage loans, auto loans, and credit cards. Obviously, their interest rates change frequently, but they continue to have some of the most competitive rates out there. If you want a bank which can not only hold on to your money but lend you money as well, NFCU is a great place to start your search.

Becoming a Member of NFCU

Every credit union has different membership requirements. For most of them, it's if you “live, work, or worship” in the city or county limits of the credit union. For some of the larger credit unions, they have expanded their membership requirements and have made it more accessible. Of all of the credit unions, Navy Federal probably has the most ways you can be eligible to become a member, but they don't let just anyone in.

Some of the ways you can qualify to become a member of NFCU are:

Active Duty military

DoD Officer

Veteran

Be a contractor to U.S. Government Installations

Retired DoD employee

Or be a family member of one of the above

Apart of the Delayed Entry Program

One of the interesting parts of NFCU is their family membership requirements. They offer more lenient requirements than most credit unions. Most of them limit it to “immediate family,” but NFCU expands on those. They allow:

Grandparents

Spouses

Siblings

Grandchildren

Household Members

Adopted Children and Stepchildren

Drawbacks of Navy Federal

There are a lot of benefits of becoming a member of NFCU. They great rates for their loans and their checking accounts. One of the problems with NFCU is their savings account. Their basic savings account only has a modest APY. Sure, it's still higher than you'll find with some of the major banks, but you can find credit unions with much better savings rates.

Another disadvantage of NFCU is the balance requirement to avoid fees on the Flagship checking. If you don't meet the balance requirement, you're going to pay the monthly fee.

There are dozens of other credit unions out there which offer high-yield checking accounts with no fees. As long as you plan to have the $1,500 in your account, there is nothing wrong with this account, but it's something to be aware of.

Before you become the member of any credit union or join a bank, take the time go go through the customer reviews. One of the best ways to learn about a company is seeing what previous or current members have to say.

One common complaint I saw with NFCU is their customer service. Several users were saying they have problems reaching their customer service department or they weren't able to get the help they needed. You should always take these reviews with a grain of salt. You don't know the full story and what actually happened.

Don't let these customer reviews keep you from joining the perfect credit union.

Like most other credit unions, we aware of the number of branches. Credit unions don't have the massive number of branch locations like national banks.

Final Verdict on NFCU

Unlike some of the other credit, NFCU doesn't have membership qualifications which allow anyone to join. Some of the other larger credit unions allow you to join organizations or make a donation which qualifies you to become a member of the credit union.

NFCU doesn't do that. If you don't have a family member in the armed forces or if you aren't in the armed forces, then you probably won't be able to be a member. If you do meet the qualifications to be a member, I would highly suggest doing so.

Every person is different, and everyone has different financial needs and preferences when it comes to banking. There are thousands of banking options on the market, and trying to wade through them can be difficult. It's important you find the best one for you.

If NFCU is not the best option for you, don't worry, there are plenty of other options.

The post Navy Federal Credit Union Review appeared first on Good Financial Cents.

from All About Insurance https://www.goodfinancialcents.com/navy-federal-credit-union-review/

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[sandhujitendra]

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[phattazz2-blog]

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[ceojerry]

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[ajbernabe]

Rich is not the one who have the most... Rich is the one who needs the least.

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[sandhujitendra]

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