3 Ways to Save Money For Your Halloween Celebrations
- Created on Friday, 02 October 2015 14:02
- Written by Lisa Sullivan
Remember the days when you'd get your Halloween costume at the local department store for $10? OK, maybe we're dating some of us here but let's face it, costumes today are much more elaborate and sometimes a bit more expensive. Just look at the contents of the costume packages at places like Party City. Never mind the cost of adding holiday decor to your front lawn and doorways. Scary or not, the more creative you get, the more money you spend...or so it seems. In this post, we're going to provide you with three handy tips to help you save money this Halloween.
Tip #1 - Thrift Stores Can Be Your Friend
Most people acquaint thrift shops with inexpensive clothing and accessories, especially at the start of a new school year. Did you ever think to return to the same shop for your Halloween costumes? You can! Some carry actual pre-made costumes while another alternative can be to purchase items for your homemade costume. Whether clothing or top hats (for your little magician) or brooms (for your little witch), you can find most items at a deeply discounted price...and probably come up with a brilliant costume as the outcome too!
Tip #2 - Decorate With Dollar Stores
Some of the best decorations for those last minute haunted houses or your front door can be found at your local dollar discount stores. Also consider purchasing your decorations just a few days before the actual holiday (or even better - after for the next year). It might mean you have to do some creative decorating before your first trick-or-treat-er but if it saves you money, that sounds like a good plan to us!
Tip #3 - Buy and Carve Your Pumpkins ON Halloween
In fact, if you pick them up at your local farmer's market or grocery store stand too, you just may save even more.
Make the carving of the pumpkins a ritual before the kiddos head out to collect their buckets of candy from your neighbors. This way, you would then have a cool decoration for your doorstep while spending time together as a family too!
Those are just three ways we recommend saving money for your Halloween celebrations. Do you have other tips to share? Please share in the comments below!
BBB Secure Your ID Day: Free Document Shredding and Electronics Recycling - Oct 17th
- Created on Thursday, 01 October 2015 13:42
- Written by Lisa Sullivan
According to a Federal Trade Commission report at the beginning of this year, identity theft topped the FTC’s national ranking of consumer complaints for the 15th consecutive year. The North Carolina Department of Justice lists several ways in which consumers can protect themselves, including the destroying of any important documents you don’t need and the safe disposal of old electronics.
Coastal is committed to providing opportunities for our members and the general public to protect their identity as we once again host the Better Business Bureau of Eastern North Carolina’s semi-annual “Secure Your ID” Day document shredding and electronics recycling event. The fall event takes place on Saturday, October 17, 2015 from 8:00 a.m. to 12:30 p.m.
“Secure Your ID” Day will be held at Coastal’s headquarters located at 1000 St. Albans Drive in Raleigh.
PROSHRED® Security and A Shred Ahead® will provide free, on-site document shredding. Participants may bring up to three (3) boxes or bags of documents that have been removed from binders. GEEP® will be providing electronic recycling for computers, tablets, cell phones, as well as electrical devices such as TVs, microwaves and vacuums.
Always a successful event, more than 1,500 Triangle residents participated in April’s event when it was held at both our St. Albans location and at co-sponsor, Lafayette Village in North Raleigh.
So, get those old documents and unused electronics ready for disposal and recycling. We’ll see you on October 17th!
Falling Leaves, Rising Rates and Brand New Technology
- Created on Monday, 21 September 2015 14:22
- Written by Chuck Purvis
It’s hard to believe that autumn is already upon us, but the kids are back in school, football season is kicking off and pumpkin spice expenditures are suddenly through the roof. While the days are getting shorter, I feel like we still have so many great things that we’re working to accomplish before the end of the year.
Keeping Your Data Secure
First, let me thank each of you who participated in the Stop the Data Breaches campaign a few months back. Coastal members sent more than 1,100 emails to Congress, making you the most vocal membership in the state, yet again. It’s important to keep this issue in front of our elected officials, and I encourage you to stay informed and keep reminding them that the problems won’t go away without their action.
While on the topic of data security, we have two initiatives kicking off this month that should help combat card compromises. First, you are now able to use your Coastal debit and credit cards with Apple Pay™. Second, we are ready to start issuing chip-enabled debit cards, beginning with members whose cards are expiring in October. I would expect you to begin seeing retailers rapidly adopting chip readers around the same time. Watch your email and our social media channels for further details about both.
A New Digital Experience
Our biggest initiative for the coming quarter is the conversion of online and mobile banking to a new Digital Banking system. I’m personally excited to be switching to the new system, which is easy to use, offers better budgeting tools and security, provides near-real time alerts, and will enable us greater ability to keep making enhancements and customizations. Members will be happy to know that Digital Banking is a single system that works across all your devices. By now, you should have received an email and seen advertising directing you to COASTAL24.com/DigitalBanking, where we will be posting regular updates. We’ll also email reminders when new information is available, especially in the final weeks prior to making the switch.
The Right Products for a Changing Market
Fall is typically a time when we start to see an influx of new deposits from members. We’re definitely ready to help. Earlier this year, we added a Go Green Money Market account as a companion account to Go Green Checking. While dividends have been low across the industry for several years, many of you have kept your money on deposit with Coastal. We’re working to reward that loyalty by offering the highest certificate rates in the Triangle.
Loan demand has also been strong this year, and we’re well positioned to help our members by providing the right loans for whatever your needs may be. We’re seeing more requests from people looking to consolidate debt or lower payments they may have elsewhere. This quarter, we’re focusing on consumer loans that can help our members lower payments and pay down debt faster, including:
• Debt consolidation with a Home Equity line of credit
• Saving money on auto loan payments by refinancing with our Beat the Bank program.
• Paying down credit card balances faster by taking advantage of our credit card balance transfers.
Lastly, I’ve been closely following news of the increasing likelihood that the Federal Reserve may start to increase interest rates by the end of this year. For those of you who are building savings, it could mean that you’ll start to see better dividends on certificates and money market accounts in the near future. For those of you who have loans, particularly variable rate loans and adjustable rate mortgages from other lenders, now might be a great time to lock in a fixed rate loan with Coastal before rates rise. Of course, even as rates do rise, we’ll be committed to making sure ours are competitive to the market.
Overall, the next several months look great for our members. Until the next update, I wish you all the best.
Chuck Purvis, President & CEO
Coastal Federal Credit Union Visa® Debit and Credit Cards Added to Apple Pay™
- Created on Wednesday, 16 September 2015 11:36
- Written by Joe Mecca
In an effort to provide a more convenient and secure way for our members to conduct transactions, beginning today Coastal Federal Credit Union has joined the growing list of financial institutions whose debit and credit cards work in Apple Pay™.
Apple Pay™ allows users with an iPhone® 6 or higher; and iPad® Pro, Air 2 mini 3 and mini 4; or Apple Watch™ paired with an iPhone 5 or higher, to link their Coastal debit or credit card to their device, and securely pay for their merchandise using an encrypted token generated by the device. Instead of swiping or inserting their card, a member would use their Apple® device to wirelessly transmit encrypted payment information to the point-of-sale terminal, along with the Touch ID™ fingerprint scanner to verify the transaction.
“Coastal is committed to protecting our members’ data in the most secure ways possible,” says Chuck Purvis, Coastal’s President and Chief Executive Officer. “This is just one means to that end.” Apple Pay™ also works with some mobile apps to allow users a more secure way to shop online.
To learn more about Apple Pay™, please visit www.coastal24.com/ApplePay.