Blog
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Lost and Found
What to do if you lose your wallet or purse
Losing your wallet or purse can be a frustrating experience. Your credit cards, ID, keys and cash are all seemingly out there in the world for anyone to find. Despite the feeling of helplessness, there are ways to mitigate the damage. Here are some steps to take immediately after losing your wallet or purse.
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2023 Annual Report to Members
2022 was a year that brought many challenges: a continuing pandemic, a rapidly rising rate environment and staffing shortages resulting from a tight labor
market. GSCU met these challenges head on, taking strategic actions to continue full service operations throughout our branch network and pivot services to meet members needs in this changing environment. -
Message from the CEO: GSCU Remains Safe, Sound, and Secure
We recognize the recent news of bank failures may prompt questions about the fiscal health of Granite State Credit Union.
Granite State Credit Union remains safe and sound with sufficient liquidity to fund member loan and withdrawal needs.
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Be Wary of Fake Family and Grandchildren Emergency Scams
Many scams revolve around the idea of a family emergency, often a distraught grandchild calling, to build urgency and apply pressure to victims. Frequently, these scams target senior citizens with the fraudster contacting the victim noting they’re a family member or close friend.
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MEMBER NOTICE (1/17/2023): Spoofing Fraud Trend
We have been made aware of a spoofing fraud trend that is affecting our members.
- Spoofing is when a fraudster falsifies the information transmitted to your Caller ID to disguise their identity.
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CreditLine Quarterly CEO Message, January 2023
It’s that time a year again when we often set goals, or resolutions, as we plan ahead for what’s to come! While historically many of our resolutions may fall to the wayside, I want to remind each of you that GSCU is here to help you meet your financial goals throughout your lives. Why not make 2023 the year that GSCU helps those financial resolutions stick all year!
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Money Moves to Make During Inflationary Times
While inflation may be easing up slightly from recent highs, it is still a large concern for many.
Learn how to protect yourself from inflation using keys steps listed in this blog.
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Why Interest Rates Keep Going Up and What to Do About It
Rates have been on the rise!
Check out this blog to learn more about what this means for your money and how you can make good financial decisions during these challenging times.
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Ho-Hum Holidays
Is inflation impacting your holiday spending?
As Money reports, inflation has caused the prices of goods and services to jump by almost 10 percent over the past year. Check out our blog for more details and tips on how to curb your holiday spending.
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The Implications of Buy Now, Pay Later
What happens when you buy now and pay later for a purchase?
Check out our blog to learn more about the convenience of Buy Now, Pay Later and how to use it wisely this holiday season.
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What’s the difference between a mortgage refinance, a home equity loan and a HELOC?
Here’s a primer for those looking to borrow
With interest rates on the rise, but still considerably less than they were for many years, now may be the time to consider rolling some of your high-interest revolving credit card debt, or other loans, into something with a lower interest rate.
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Watch Out
Back-to-school themed scams are on the rise
It’s back-to-school for kids across the nation. That special time of year when parents rejoice, teenagers groan and teachers take a deep breath. Unfortunately, any time there is a moment to be taken advantage of, scammers are on the prowl. Here are two back-to-school focused scams that are on the uptick as summer ends.
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What do federal rate increases mean to you?
Rising interest rates can mean different things for borrowers and savers
While the Federal Reserve already raised rates three times in fairly short order this year, it looks as though there will likely be another increase looming on the horizon when they meet again on Sept. 21. The reason for a fourth hike – which could be as much as three-fourths of a point – is tied to all of the rest of the bump-ups.
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CreditLine CEO Message - October 1, 2022
It’s been a busy year in an economy that has presented challenges for the credit union and its members alike. From gas prices rising, housing inventory hitting new lows, and rates increasing dramatically, it’s been a whirlwind of economic ups and downs and we anticipate more to come as we approach 2023.
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False Cryptocurrency Investment Scams
According to the Federal Trade Commission (FTC), over $1 billion has been lost to crypto-related scams since January of 2021. More than half that, $575 million, was in connection to these types of investment scams.
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Getting It Back
Steps to take if your identity is stolen
According to a recent study, in 2021, 15 million consumers were victims of identity theft, with criminals using that personal information to create $24 billion in losses. ID theft is a real problem. Here are some steps to take if you should ever become the victim of this crime.
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Common budgeting mistakes to avoid
Don’t fall into these traps when creating a roadmap for spending
There’s a saying you’ve probably heard before about the few absolutes there are in life: None of us will live forever and taxes are practically unavoidable. We should add one more: Almost everyone needs a budget, even if they don’t know it yet.
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Selling Now
Looking to sell your home but worried that the market is cooling off? Here are some tips to help you get started!
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How to identify the good and tackle the bad
Not all of the balances you carry will drag down your financial future. Despite the bad rap debt often gets – and it’s mostly deserved — there are certain types that shouldn’t keep you up at night. Before you take on more debt, though, it’s important to understand the differences between the good kind of debt and the kind that can lead to stress, sleep deprivation and worse.
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Home Value Improvements
Simple ways to add value to your home
It’s a seller’s housing market, but that doesn’t mean you have to be complacent about your home’s value. Here are several projects that can add value to your home, so that when you do decide to sell, you’ll get the best offers possible.
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Callback Phishing Scams
While making a phone call may seem harmless, you should always consider who's on the other end of the line. Cybercriminals can use callback phishing scams to trick you into calling them directly. Once you’re on the phone, cybercriminals will ask you to share sensitive information or grant them access to your device.
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Looking Back
A study features retirees giving current workers advice
The best way to prepare for retirement might just be listening to those going through it. In a new report, retirees shared their advice for current workers. The survey asked more than 1,000 retirees between the ages of 55 and 80 their thoughts on their post-work lives. What they said might just help you when the time comes to retire. Here are some takeaways.
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Drive Carefully
How to save money on a summer car trip
If you’re planning a summer road trip, the price of gas likely has you thinking twice. Maybe driving to Minnesota to see the biggest ball of yarn isn’t a necessity after all. Though gas is expensive — the average cost per gallon is now $4.93 — there are ways to make your trip more affordable. Here are some things to try.
