Shred Day

It is long over due for cleaning out your paperwork! We will be holding a shred day on June 9th, 2022 at our Pasadena branch. You can find all of the details listed below.

  • 10lb limit per member
  • No paper clips
  • No hanging files

Drop off will be located on the left side of the building near the drive thru. We will have employees there ready to assist you with shredding your sensitive documents.

 

pasadenaThursday, June 9th, 2022
9:00am – 12:00pm
Pasadena Branch
5953 Fairmont Pkwy
Pasadena, TX 77505

 

 

Design A Christmas Card Contest

Design A Christmas Card Contest

design a christmas card contestSandy Saver members, now is your chance to win big! Enter your drawing to win GCEFCU’s Design A Christmas Card Contest. The grand prize winner will receive $50!

You may submit your artwork by dropping it off at any GCEFCU location, or by mailing it to the address listed below. Please include the child’s name, parent’s name, child’s member number, and a good phone number. You can download and print the form here.

Gulf Coast Educators Federal Credit Union
ATTN: Marketing Department
5953 Fairmont Pkwy
Pasadena, TX 77505

Credit union members age 12 and under are eligible. Must have a Sandy Savers account to enter. Please turn in by November 20, 2021.

Elder Abuse Awareness

Elder Abuse Awareness Month

Elder Abuse Month Image

June is Elder Abuse Awareness Month. Adult Protective Services (APS) is working with community partners and professional groups around the state to raise awareness about adult abuse, neglect, and financial exploitation, all month long.

Elder abuse affects many older people and people with disabilities. We can help by recognizing and reporting any mistreatment or elder abuse that we see. This includes physical signs of abuse, behavioral signs, how caregivers treat them, and signs Financial Exploitation.

Signs of Financial Exploitation:

  • Frequent expensive gifts to a caregiver
  • Unpaid bills or unusual activity on the Elders account.
  • Adding a caregiver to a bank account.
  • Frequent checks made out to “cash”.
  • Signs documents such as wills or loans but seems incapable of understanding them.
  • Caregivers refusing to spend money on those they are caring for.
  • Signatures on documents that don’t match a person’s handwriting.

It’s our communities job to keep an eye out for our Elders and people with disabilities, not only during Elder Abuse Awareness month, but all year long. Help your elderly family members by signing up for CyberScout, the credit union’s free identity management service.

You can report abuse, neglect, or financial exploitation to the Texas Abuse Hotline at 800-252-5400 or online at here. In a life-threatening situation, please call 911.

Vacationing on a Budget!

Summer vacation is near!

We understand that times are hard with the rising gas prices. Going on a full vacation may not seem feasible to you. Never fear! I’m going to show you tips and tricks to help you have a great summer vacation!

Budget:

Sit down and find a definite amount of money you can comfortably put aside for summer fun. There will always be something fun to do within your budget. Whether it is going to a park or exploring your city.

Ways to save on Gas:

You can download apps that can show you the best prices for gas in your area. Some popular options are Upside, GasBuddy and Waze. Use cash or a rewards credit card from GCEFCU. You can get a cash price at the pump or earn rewards points that you can use later. Carpooling can be beneficial if you don’t want to waste gas. If those don’t work for you, make sure you have the correct tire pressure, you don’t idle too long and take any unnecessary weight off your car. You can also look into public transportation in your area.

Food Budget:

If you are going out of town, try not to spend money on eating out the whole time. You can get breakfast and lunch at nearby grocery stores to save a little bit of money. If you are out of town, try to find a place to stay out that has a kitchen. Some hotels and renting from AirBNB offer kitchen options.

Fun:

Gulf Coast Educators has worked diligently to make sure we offer the best options for discount tickets near you. We offer ticket discounts from amusement parks to travel and hotels. You can visit our discount tickets by clicking on the button below.


Post author: Kayce Barajas

The opinions expressed on this page are for informational purposes only and is not intended to provide legal or financial advice. The views expressed are those of the author of the article and may not reflect the views of the credit union.

1 out of 3 Credit Reports Have Errors. Does Yours?

1 out of 3 Credit Reports Have Errors. Does Yours?

Did you know 1 out of 3 credit reports have errors? More than one-third of consumers have found at least one error on their credit report. Are you one of them?

Errors on credit reports are not uncommon, so staying up to date, reviewing your credit report is a must. We have a credit score solution that is not only FREE for you, our members/customers, but offers a variety of benefits to you including a download of your credit report. You can review your credit report anytime, anywhere.

Mistakes on your credit report can impact your score and your lending power. Some of the common errors found on credit reports are:

  • Personal Information Errors. Errors such as wrong name or address.
  • Account Errors. Credit accounts that consumers did not recognize as being theirs.

With our credit score solution, not only can you review and download your free credit report for errors, but you can also dispute any errors you might see right within the tool. You can check your credit score daily without any impact to score, receive real time credit monitoring alerts and learn about the factors that make up your credit score. Finally, you can also give our credit score simulator a spin and see how your current score would change based on a variety of different actions or events.

If you do not check your credit report, you will never know if it has errors. Do not let the likelihood of errors result in an impact to your credit score or higher interest rates and loan payments.

Enroll now and check your credit report today through your online banking!

What is the difference between a living will and a living trust?

What is the difference between a living will and a living trust?

These two very important estate planning devices are quite different from each other but serve similar purposes. A living will lets you manage your health-care decisions in case you become incapacitated. A living trust lets you manage your property in case you become incapacitated.

A living will is not actually a will at all. It is a legal document that becomes effective if you become so ill or injured that you can’t make responsible health-care decisions for yourself. It lets you approve or decline certain types of medical care in advance, even if you die as a result.
A living will is allowed only in some states. If you don’t live in one of those states, you may be able to accomplish the same goal using a durable power of attorney for health care, health-care proxy, or Do Not Resuscitate order.

By comparison, a living trust is just what it says. It is a revocable trust you create while you are living. You transfer property to the trust, and the trust then “owns” it. You name yourself as trustee and someone else as a successor trustee. You manage the property in the trust unless you become incapacitated (or until you die), in which case your successor trustee automatically steps in to continue managing the property for you.


Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CUSO Financial”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CUSO Financial: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CUSO Financial. The Credit Union has contracted with CUSO Financial to make non-deposit investment products and services available to credit union members. Atria Wealth Solutions, Inc. (“Atria”) is a modern wealth management solutions company and is not a Registered Investment Advisor or broker-dealer. Investment products, services and advice are only provided through CUSO Financial, a subsidiary of Atria.