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Yuletide greetings from us to you!

christmas - holiday decorations

To the members of White Sands Federal Credit Union: I always love this time of year.  The holidays bring us a wonderful opportunity to look back at the year and give thanks for all of the blessings given to us.  For all our White Sands FCU members, I send my wishes of the happiest of…

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You’re pre-approved! (and what it really means)

WOMAN WITH PRE-APPROVED SIGN

Raise your hand if you’ve received something in the mail (or email) exclaiming “You’re Preapproved!” Probably a fair number of you have, especially for a credit card. Sometimes the offer says you are pre-qualified. But what does it really mean to be pre-approved or pre-qualified? Essentially, it means that the financial institution (bank, credit union,…

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Paying for your child’s higher education

piggybank book stack

Most parents assume their children will complete high school and attend a 2- or 4-year college. As higher education costs continue rising, it becomes even more important to plan ahead and determine how your family will pay for it. Ideally, you should start saving as soon as a child is born. Begin by saving small…

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Smart apps for your smart phone

mobile phone financial graph

Phone apps have changed our lives. We now have, at our fingertips, the ability to access information 24/7, wherever we are. There are a number of useful apps that can even help you save money and track your spending. Wally Are you often struggling at the end of the month to pay your bills, wondering…

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What you need to know about giving to charities

charity donation jar

Giving to others is a selfless act that only helps those around you.  Before giving to a charity, though, you should always do some research on the charity itself and how it operates.  By finding out as much as you can about the charity, you can avoid any type of “scammer” who is willing to…

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