Tips for Teens – Think Before You Shop

Cat pushing shopping cart.The internet has become a modern day genie. Searching for cat videos? Boom! 146,000,000 results in 0.73 seconds! What year was the White House built? You’ll have the answer in 1.24 seconds. Shoe shopping? You only have 622,703 pairs to choose from on Amazon. While this access to basically everything is pretty cool, at the same time it can create a problem for impulse shoppers. The web makes it incredibly easy to quickly convince yourself that you need that teapot because it’s on sale and dares you compare prices from different stores. As an added bonus, it throws in free two-day shipping on orders over $25 dollars, which is what finally convinced you to buy that extra phone case. At the end of the day, you have spent $25 or more on stuff that you really didn’t need, but you were made to think you did. How do you avoid this? read more >

President’s Corner – Changes

As a lifelong UCLA fan and later alumnus, I studied their long-time basketball coach John Wooden. Basketball coaches generally don’t see beyond the 94 by 50 chunk of wood in front of them. But Coach Wooden was different. He saw basketball as an analogy for life. One of my favorite quotes from Coach was, “Failure is not fatal, but failure to change might be.”

I hear conflicting wants and needs from members. Some members want us to expand our branch network and add or expand services they want. Other members want us to do nothing and stay the same. Unless I’m missing something, both cannot happen. read more >

Tips for Teens – Happy Belated World National Password Day!

Every year, the first Thursday of May (this year it was on May 4th) is considered to be World National Password Day, an unofficial holiday started by Intel back in 2014. The idea is to bring awareness to the importance of not reusing the same password for everything and convince people to change their passwords more often. It’s no secret that entering passwords has become part of our daily routine, but this is not an excuse for using the same password over and over again. Is the lock on your door the same one that’s on your car? Nope! For the same reason, you shouldn’t use the same password for Facebook, Twitter, and Instagram. If someone guesses your password correctly, they can post and share whatever they want on all of your accounts. Sure, you can take the post down later, but can you erase the fact that people that saw the post? So, what should you do? read more >

President’s Corner – It’s Not a Race

ESPN’s “The Sports Reporters” ended its 30-year run this month. For those who never saw this quiet Sunday morning program, the show featured four primarily northeast sportswriters discussing the sports issues of the day in an erudite manner. The show stayed true to its roots of professional debate for its entire run.

What ESPN probably didn’t know at the time was that “The Sports Reporters” would be the beginning of an endless series of increasingly obnoxious talk shows which include yelling, interrupting, and in a few cases, fist fights. These shows were not exclusive to sports, oozing into the news and entertainment arenas. It’s hard to flip the dial without seeing Jerry Springer, the Real Housewives, cable news, or even SportsCenter with “expert” panels whose decibel levels exceed the call of the blue whale. read more >

Vincente Martinez High School

Last week, Shelley, Kristina, and Candace from our main branch visited Vincente Martinez High School and shared with three math classes the importance of having a sound financial future. They explained the difference between a bank and a credit union, how to spend less and save more, and how a good credit score will save them money throughout their lives. We are happy to be a part of the development of future generations in our community!

Click here to see the helpful tips we shared with the classes. read more >

Benicia Car Show

Donna Tuck, Member Service Supervisor from our Benicia branch, and Scott Adams, Real Estate Manager & Business Development, attended the 24th Annual Benicia Classic Car Show hosted by the Benicia High School Music Group this past Sunday, April 30th. All proceeds from the event went back to the Benicia High School’s Marching Band. We spent the day sharing information about what our credit union has to offer with those who attended. The perfect weather and loads of beautiful classic cars made for a great day out in the community! read more >

Tips for Teens – Every Day is Earth Day

Like most people, I like this planet. It gives me fresh air to breathe, water to drink, and many other resources to live on, all of which we often take for granted. Although Elon Musk is still trying to figure out exactly how we’re going to colonize other planets, we only have one that we can call home for now. I want this planet to live a long and fulfilling life, but several human influences have changed its future potential dramatically. Below, you’ll find some tips to minimize your impact on the planet and make it greener every day! read more >

President’s Corner – US Economy

Jamie Dimon and I don’t hang out together. Dimon is the CEO of JPMorgan Chase, the parent company of Chase Bank. Chase’s assets are roughly 3,500 times larger than your Credit Union’s. He hangs out at exclusive country clubs and expensive restaurants. I hang out in bowling alleys and at home eating dinner while watching our local teams’ games. Along with his great lifestyle, Mr. Dimon does not lack for self-confidence.

Recently, he announced in the bank’s annual report that the “too big to fail” issue has been solved. In other words, taxpayers will not pay if one of the major “too big” banks,” such as Chase, Bank of America, Wells Fargo, CitiBank, U.S. Bank, and a few others, fails. In his view, any failure would not harm the U.S. economy. read more >

Avoid Depositing Checks from Unknown Parties

Consumers should be on the lookout for fake check scams, the National Credit Union Administration, the federal agency that insures 1st Nor Cal members’ deposits, warned after receiving numerous inquiries from consumers.

There are many versions of a fake check scam. However, the result is the same. Scammers lure consumers into depositing a cashier’s check, money order, or other checking instrument from someone that they don’t know and wiring or sending money to the scammers. A check may take considerably longer to clear the financial institution that issued it before the funds can be collected. It could take days or even weeks to discover that the deposited check was fraudulent. read more >

Mini Motorland

We want to take a moment and thank the City of Martinez for hosting Mini Motorland last Saturday, April 4, 2017, at the Martinez Amphitheater. We had as much fun as the kiddos did, handing out piggy banks, chocolate coins, and raffle tickets! Attendee, Charlotte (lower right photo) won the raffle and took home a tricycle! One of our employees, Zoyla, stopped by with her family (top right photo) to say hi and enjoy the event. Along with the goodies we handed out, we provided information to the attendees about our youth accounts. We can’t wait for next year! read more >