How to Create A Realistic Budget

August 20, 2021

A budget is a plan you write down to decide how you will spend and save your money each month. It may feel daunting, but budgeting doesn’t have to be a painful process! Creating and sticking with a realistic budget can help make sure your financial bases are covered, help you steer clear of debt … Continue reading How to Create A Realistic Budget

Tips for Paying Down/Off Debt

August 6, 2021

Debt can sometimes feel overwhelming, especially when its spread out over multiple different accounts and cards. There are a lot of reasons debt occurs, such as medical emergencies, loss of a job, unforeseen expenses and more. Regardless of the reason you’re in debt, there are simple strategies you can follow to work towards getting out … Continue reading Tips for Paying Down/Off Debt

The Steps for Getting Auto Insurance

June 25, 2021

Automobile insurance is a necessity for old and new drivers alike. Most U.S. states require drivers to carry a minimum amount of auto insurance. When you’re getting a new car, deciding on the right coverage can seem like a scary experience but it doesn’t have to be. Here is a step-by-step guide to the auto … Continue reading The Steps for Getting Auto Insurance

The Differences Between Credit Unions & Banks and the Benefits of a Credit Union

June 8, 2021

Many people may not know what the differences between banks and credit unions actually are! The difference between credit unions and banks boils down to a few key features. Credit unions are not-for-profit organizations that are owned by their members and re-invest their profits back to their members in the form of low fees, low … Continue reading The Differences Between Credit Unions & Banks and the Benefits of a Credit Union

How to Best Shop for & Buy a Car

May 21, 2021

Thinking about buying a new car? These important tips can help! Heeding the advice below will help you save money, get the best deal, and hopefully reduce the amount of stress involved in purchasing a new or used vehicle. The first step in the process of purchasing a vehicle is to get pre-approved for a … Continue reading How to Best Shop for & Buy a Car

Loans vs. Lines of Credit

May 7, 2021

Credit Unions, Banks and other financial institutions offer many lending products wherein the customer borrows money and agrees to pay it back with interest.  Non-Revolving Loans and revolving lines of credit are two such products. Approval decisions can be based on the purpose(s) for which the funds are borrowed, the credit history of the borrower, … Continue reading Loans vs. Lines of Credit

Social Security (and Potential Fraud)

April 20, 2021

Social Security retirement is a Federal social insurance program run by the Social Security Administration.  Funds collected via payroll taxes paid by current workers are used to pay benefits to retirees.  Any funds not distributed are deposited into a trust fund to be used for future years when contributions fall short. Given the size and … Continue reading Social Security (and Potential Fraud)

How to Protect Yourself from Consumer Scams

April 6, 2021

In today’s world, criminals are hard at work devising and using various scams to fool consumers into providing personal information, exposing their hard earned financial assets to theft and fraud. Here are some different ways to protect yourself from such situations. Never give out your personal or financial information to someone you do not know … Continue reading How to Protect Yourself from Consumer Scams

Common Types of Mortgages

March 23, 2021

A mortgage is a loan from a credit union, bank or other lender that is secured by the home itself.  This means that if the borrower fails to pay back the loan according to its terms, the lender can recoup the money lent by taking possession of the home. Approximately 60% of all homeowners in … Continue reading Common Types of Mortgages

Building Good Credit

March 8, 2021

When used wisely, credit is a financial resource that makes all of our lives easier.  Often, however, many individuals find themselves either unable to obtain favorable credit terms or overburdened by high interest rates.  The reason is the credit score.  Credit unions, banks and other lending institutions use three agencies to monitor the credit histories … Continue reading Building Good Credit

Good Savings Habits

February 17, 2021

Building good money habits will help you learn how to budget, save money, and set you up for financial success. The key to reaching good savings habits is to take baby steps that become an everyday routine over time. With discipline and deliberate action, these steps will lead to a positive impact on your financial … Continue reading Good Savings Habits

Planning for Retirement & Retirement Accounts

February 4, 2021

Planning for retirement is a long multi-step process that takes years of preparing and saving. It can look differently to each individual. Maybe you would like to fully retire to travel the world or spend time with family. Or others may still want to work part time. Whatever lifestyle you choose, getting a head start … Continue reading Planning for Retirement & Retirement Accounts

Smart Budgeting Tips

January 25, 2021

Here are some common tips for creating a budget. Know your income Know all of your expenses Understand flexible expenses Plan for unexpected expenses Be realistic While planning every cent is possible, it may not always be realistic.  A budget is meant to be a guide; it’s your guide, and is based on your information. … Continue reading Smart Budgeting Tips

Retirement Account Basics: 401k vs. IRA

January 11, 2021

Many of us have retirement accounts through either employers or of our own contributions.  Two of the more common today are the 401(k) Plan and the Individual Retirement Account (IRA).  Both have a variant known as a Roth, and all four allow for your investments to grow tax free. Each has certain features, tax benefits … Continue reading Retirement Account Basics: 401k vs. IRA

The Rise of Cash App Scams

December 14, 2020

The Rise of Cash App Scams If you frequently send money to friends and family, you may know a few wire transfer apps that offer this service, like Venmo, Zelle, or Cash App. And while sending hard-earned money back and forth through cyberspace on an app doesn’t sound safe, it generally is. However, are there some exceptions? Always. … Continue reading The Rise of Cash App Scams

Why I Relay, Trey’s Team – Joe Nash

June 14, 2016

Trey Miranda was a young man who possessed the ability to unify the entire community of Wareham. Known to many, Trey was an avid sports fan who loved to give his best friends a hard time. Beyond this, Trey was a 17 year-old boy who supported everyone in their endeavors, regardless of who they were … Continue reading Why I Relay, Trey’s Team – Joe Nash

Why I Relay – Pam Burns

June 7, 2016

I am walking for Relay of Life for several reasons. My nana died from cancer when I was 12 years old. That was my first experience with death and at an impressionable age did not really know how to deal with it. I miss her to this day. Now in my fifties it feels like … Continue reading Why I Relay – Pam Burns

Why I Relay – Carol Strickland

June 2, 2016

Every single person knows of someone that is close to them that has been affected by cancer. Cancer is hard on all, not just the patient. We must remember the caregivers that relinquish a lot of their time to help the cancer patient. Fifteen years ago I lost my dad. Not to cancer specifically but … Continue reading Why I Relay – Carol Strickland

My Reason to Relay – Melissa Corbett

May 27, 2016

Nowadays, we are all touched by cancer in some way – a grandparent, a spouse, a friend. It is so difficult to watch our loved ones’ health deteriorate and feel helpless, but every once in a while, we are given the chance to be a part of a life-saving miracle. This is my story: In … Continue reading My Reason to Relay – Melissa Corbett

Why I Relay – Marie Garrity

May 20, 2016

Like most, I know several people who have or have had cancer. Chrissy, Kristine, Margaret, Cindy, Bob, Helen, just to name a few. As an employee at the Y, I met dozens of cancer survivors who participated in the Livestrong at the Y program. But it really hit close to home a couple years ago. … Continue reading Why I Relay – Marie Garrity

My Reason to Relay

May 16, 2016

Cancer does not discriminate – from elderly to infancy, and everyone in between. At one time or another it has touched you, I know it surely has touched me. Relay for Life is not just an excuse to pull an all-nighter or get in some extra exercise around the track. It is celebrating those who … Continue reading My Reason to Relay

The Value of a Credit Union

April 7, 2016

What is a credit union? What makes it so special? These are not unreasonable questions. Actually, before I jumped into the credit union world full force, I wondered the same things. Here is the low-down on all things credit union: A credit union is member owned. What does that mean? To establish membership at a … Continue reading The Value of a Credit Union

Fraud Can Be A Taxing Topic

February 2, 2016

Fraud can be a taxing topic. Educate yourself on how to keep your money and personal information safe. With tax season upon us, it is the perfect time to gain insider tips on preventing tax identity theft. The NCUA has launched a Fraud Prevention Center full of information on how to protect yourself against fraud … Continue reading Fraud Can Be A Taxing Topic

PCTFCU Sponsors WHS Student

March 5, 2015

PCT Federal Credit Union is pleased to announce that they have awarded Wareham High School student, Joseph Nash, a sponsorship to fully fund his competition expenses for the 2015 Distributive Education Club of America (DECA) International Career Development Conference (ICDC). The credit union has had the pleasure of employing Joe since June of 2014. Joe … Continue reading PCTFCU Sponsors WHS Student

PCT Federal Credit Union Joins Wareham Relay For Life Event

February 6, 2015

In more than 5,200 communities and 20 countries, Relay For Life events comprise the signature fundraiser for the American Cancer Society. On June 20th, PCT Federal Credit Union will be joining 24 other teams and over 170 participants in the fight against cancer at Wareham’s Relay For Life event. A combination of employees, family, and … Continue reading PCT Federal Credit Union Joins Wareham Relay For Life Event