Cash Back Rewards vs. Points
What determines the best credit card? It is optimal for consumers to choose a card with no annual fees and a low APR, but credit cards now offer more incentives than ever by rewarding their customers for making purchases using their cards. Consumers can benefit by using a rewards card for everyday purchases, whether it’s […]
Purchasing your First Home: How to Choose a Mortgage
Most people dream of owning a home someday. It is exciting to imagine a place you can plant roots and call your own. But with any large purchase, buying a home can be overwhelming — especially for a first-time homebuyer. Do not embark upon this journey feeling intimidated. Rather, take the time needed to familiarize […]
Member Stories: John & Lori Katahira
The goal to not borrow too much money was always crystal clear. But the much-needed cash was a blessing for this small-business owner to see his company continue to flourish. John Katahira is a principal in The Limtiaco Consulting Group, a civil engineering and environmental firm. The company started 20 years with three employees and […]
Holiday Budgeting: Tips For a Merrier Season
The holidays should be filled with peace and happiness, and surrounded by the ones you love the most — not stress. However, many folks become anxious during the holidays because they overextend themselves financially and stress about finding the “right” gifts. Approach this holiday season by being prepared and plan ahead. Here are some helpful […]
Five Steps to Realize Financial Freedom
Financial independence is the state of having sufficient personal wealth to live, without having to work actively for basic necessities. Most of us dream of the day we can quit our day jobs and live life on our own terms, but few of us are setting ourselves up to attain that goal. Financial freedom seems […]
Build Smart Money Habits for Children of All Ages
It’s easier to spend money than it is to talk about it. However, teaching our children the basic principles of personal finance at a young age can help them avoid costly mistakes when they get older. Knowing where to start can be difficult; many people just don’t feel confident in their financial literacy, or their […]
4 Tips for Traveling on a Budget
Need a vacation, but on a tight budget? Traveling doesn’t have to be expensive with the right planning well ahead of you taking that much-needed vacation. It all starts with creating your travel budget. You may find it helpful to start a travel savings account. Set up an automatic transfer at regular intervals so your […]
How to Fight Fraudulent Tax Returns
Tax season is upon us, which could increase the chances we become a victim of fraud. Due to identity theft, phishing, data breaches and cybercriminals, last-minute filing of your taxes might bring a horrible surprise. Awareness is the first step to lessen the chances of tax ID theft from happening to you. What is Tax […]
Member Story: Nora Kato
Nora Kato is the wife, mother and grandmother anyone would want. When it comes to money and savings, the Hawaii State FCU member since 1971 has done an admirable job managing the finances for several generations of her family. Her husband of 46 years basically handed her his paycheck from Day 1, telling her to […]
The Difference Between Debit and Credit Cards
There are infinite and convenient ways to spend money and make payments in the 21st century. With cash, credit cards, debit cards and ATM cards, making a purchase is fast and easy. Since most people carry both credit and debit cards in their wallet, it is important to understand the pros and cons of both. […]