Kick off the new year with this 10 step financial wellness action plan. The best part? It’s easy!
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Financial Health
Taking control of your financial health starts with education.
What is a Credit Freeze?
Also known as a security freeze, this tool lets you restrict access to your credit report, which in turn makes it more difficult for identity thieves to open new accounts in your name. That’s because most creditors need to see your credit report before they approve a new account.
Auto Buying Resources
Buying a new (or new to you) car is exciting, but can also be a stressful experience. A car is a big purchase, and you’ll be handling your new ride for years to come — so you want to be sure you’re making an informed decision.
5 Tips for Your Holiday Shopping Strategy
The holidays are here — are you ready? Here are 5 tips for your holiday shopping strategy:
7 Ways to Use a Business Revolving Line of Credit
For businesses that find their cash flow isn’t a steady stream month-after-month, a Revolving Line of Credit (RLOC) is a valuable tool. This loan helps smooth cash flow fluctuations due to inventory needs, timing of accounts receivable or seasonality of a business.
Your Credit Score and Identity Theft
Did you know that your credit score can be one more indicator of identity theft? Your credit score is typically used as an indicator of your experience using credit, and is obtained by potential lenders, landlords, and employers as an important indicator of how you have used debt in the past.
This Holiday Season, Could Less Be More?
Another holiday season is upon us, and for the second year in a row, the impacts of COVID will likely color the celebrations. While the season is an opportunity to focus on the things that matter most in life, exchanging gifts is a long-standing tradition and a way to share joy with loved ones. Gift-giving is likely to be even more amped up this year, which might bring upon financial strain.
Get Smart About Credit Card Warning Signs
To get smart about credit cards, be aware of the common warning signs that might indicate issues with credit card usage: You are only able to make minimum payments on your credit card debt.
Employer Open Enrollment: Make Benefit Choices That Work for You
Open enrollment is the window of time when employers introduce changes to their benefit offerings for the upcoming plan year. If you’re employed, this is your once-a-year chance to make important decisions that will affect your health-care choices and your finances.
8 Ways to Use a HELOC
Your HELOC provides more flexibility to support your goals than other loan options due to the low adjustable rate, no minimum advance requirements, no prepayment penalty, and flexible repayment terms — during the initial 10-year draw period your minimum payments are interest-only, followed by a 15-year repayment period to cover any outstanding balance.*
Recent News
80 Years: June Charitable Giving Roundup
We’ve asked our incredible staff to nominate their favorite 501-(c)(3)-designated organizations. Here are the eight groups we’ve selected for June:
Promoting Sustainability in June
As we celebrate our 80th anniversary, we’re building a more sustainable community for the next 80 years by doing 80 local acts that have a global impact.
Thank You for Helping End Hunger in Our Community!
This past May, we held a fundraiser for the SLO Food Bank and the Food Bank of Santa Barbara County. SESLOC, employees, and members raised a combined $13,217. Every dollar donated creates 7 meals, that’s over 92,000 nutritious, wholesome meals going back into our community to help end hunger!
Supporting Sustainability in May
As we celebrate our 80th anniversary, we’re building a more sustainable community for the next 80 years by doing 80 local acts that have a global impact.
80 Years: May Charitable Giving Roundup
We’ve asked our incredible staff to nominate their favorite 501-(c)(3)-designated organizations. Here are the eight groups we’ve selected for April:
Shawn
Dan
Mary
Jennie
Mary
Lanie
Greg
Stacey
Aja
