News and Events

  • Ways to Save in College

    August 21, 2018

    Tags: Budgeting
    Going off to college is an exciting time! Your world is about to open wide, providing you with new opportunities to expand your mind, meet new people, and begin the groundwork for your career (or figure it out). One very important skill you’ll need is learning how to save while living on your own. The easy first step is finding out what you don’t need to buy. • A printer. They take up too much space, and the cost of ink and paper can add up. Check with your college to see if they have a printer…
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  • 8 Ways to Save on Back-to-School Shopping

    August 14, 2018

    Tags: Budgeting
    According to the National Retail Federation, the average American household spends $688 on Back-To-School shopping -- 64% of it is spent on clothing and electronics. Here are 10 ways to save this fall and throughout the year. 1. Create a checklist of items and stick to it.  Before you begin shopping, empty your kids’ backpacks to see what was left over from the previous year. Mark them off your checklist and then buy only the items still remaining. 2. Comparison shop online before going into stores. …
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  • Check Your Free Credit Reports Throughout the Year

    July 26, 2018

    Tags: Credit
    It's important to check your credit report at least once annually to monitor for signs of identity theft or fraud, as well as check for any errors.  The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. But don't order the reports directly from the companies. They are providing free credit reports only through annualcreditreport.com,…
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  • Four Signs You Need to Clean Up Your Finances

    July 24, 2018

    Tags: Budgeting
    It’s easy to see when your house needs cleaning: clothes are on the floor; dirty dishes are stacked in the sink. But it may be a little harder to know when to “tidy up” your finances. Here are a few signs: 1. You’re living paycheck to paycheck If you barely make ends meet at the end of the month, it’s time to buy yourself some wiggle room for unexpected events. Start by cutting back on at least one major expense and putting that money into an emergency fund. The goal of an emergency fund is to be…
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  • How to Save When You’re Invited to Everyone’s Wedding

    July 19, 2018

    Tags: Budgeting
    Wedding season is upon us and soon you may see a few wedding invitations in your mailbox. What do you do when it looks like ALL your friends are getting married this year? Can you afford to get gifts for everyone, as well as pay for clothing and traveling expenses for each event?  If you find yourself invited to multiple weddings this year, first create a budget and estimate how much you can afford for these expenses. It’s better to have a picture of what you can realistically manage rather than…
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  • How To Get a Great Price on Your Next Car

    July 10, 2018

    Tags: Budgeting
    Are you thinking of buying a car, but want to make sure you get the best price? Here are a few tips to help you find the right car at the best price. Buy “off-season.” Peak demand for cars is in the spring and fall, but if you want to find a bargain, shop for a car in December and January when the prices are lowered. That’s when dealerships are eager to move the inventory off their lots to make room for newer models. Know the real price of the car. Use websites like nada.com, Kbb.com (Kelley Blue…
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  • Emergency Fund—Start Small, Think Big

    July 5, 2018

    Tags: Budgeting
    Many people wonder how they can build an emergency fund when they’re trying to pay off my debts. It isn't as hard as you might think. The strategy is to start small, change a few habits, and change your mindset. If you're starting from scratch with your emergency fund, begin by saving one month’s worth of living expenses while paying the minimum on your credit cards. When you have that first month of emergency funds started, turn your focus to your credit card debt and pay more than the monthly…
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  • Beware of fraudulent calls and texts for PIN changes

    June 29, 2018

    Tags: Fraud & Identity Theft
    We’ve been informed that members are receiving calls and texts regarding a PIN change on their card.  When the member calls the phone number that’s referenced in the call or text, they are asked to input their full card number.  These calls and texts are not coming from Embark and are not legitimate.  Please remember: We already have your card number on file, so we will never ask you for your card number. In the event you receive a call or text from our 24/7 Fraud Center verifying a suspicious…
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  • Change Is Good

    June 29, 2018

    Tags: Embark News
    To better serve you, we’ve recently updated the options on our phone system.  You will now be directed to a more detailed menu to help expedite your call.In the event all available Member Service staff are assisting other members, or you’re calling outside of normal business hours, your call will be directed to our 24/7 Member Service Center.  They can help with balance inquiries, transfers and loan applications. We hope you like the changes.
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  • Budgeting Tips for Young Adults Who Want to Move Out

    June 19, 2018

    Tags: Budgeting
    Budgeting Tips for Young Adults Who Want to Move Out  Moving away from home is a milestone many young adults look forward to. Before you pack your car and say your good-byes there is a lot of serious work that needs your attention. The most important step in preparing to move out is learning how to budget.   Take a Hard Look at Your Income   Learning how to budget for your new freedom begins with looking at your income.   Consider your streams of income. Will they continue when you move?   What…
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