Welcome City of Hughson

Employees

Modesto’s First Federal Credit Union wants to Welcome our newest Select Employee Group (SEG) to our family. In early May 2009 the NCUA approved the addition of the City of Hughson Employees into our field of membership. As of June 15 th, we have had several employees join the Credit Union and several open accounts for their youth to take advantage of the great 5.00% rate for the member’s under the age of 18.

Take a debt reality check!

Usually, when a person slides into debt, that reality is painfully obvious to them. But, in today’s troubled economic times, it’s easy for people to slip into serious debt – without clearly noticing it happen. Here are four early warning signs that signal you’re on the verge of debt problems and that it’s time to reduce and manage your debt more effectively. Ask yourself:

1. Am I ever late on making my rent or mortgage payments?

2. Am I using more than 20% of my monthly income toward my unsecured debt?

3. Do I have to dip into my savings account to take care of some bills?

4. Am I beginning to rely on credit cards to make purchases I used to make with cash?

If you answered “yes” to one or more of these questions, then it may be time to reassess how you’re handling debt and to consider taking corrective action. You can contact our Credit Union friendly business partner ByDesign Financial Solutions at (800) 750-2227 or visit their website at www.bydesignsolutions.org for more information or financial counseling.