It isn't breaking news anymore that credit card companies came under new regulation last month. In the last couple months you may have been receiving notices in the mail from your bank or credit card companies indicating the changes that were to take place. With more regulation to come in August, the government has taken a harder stance on a few of the ways credit card companies make a profit. As an obvious cause-effect scenario, these companies are finding other loopholes to leverage compensating on the profit loss through the new regulations. In an article posted this morning at USA Today, Sandra Block explains in her weekly financial column advice and tips on how to avoid becoming victim to these new loopholes. One of her suggestions is to consider switching to your local credit union for cards. She explains how credit unions are able to have lower fees on credit cards (or no fees at all). According to a survey, median credit union late payment fees are $20, as apposed to $39 from bank credit cards.
If you're looking for a new Indianapolis bank you may want to consider checking out the credit card options at Financial Center. Credit union banking with Financial Center offers virtually all of the options that your current bank provides with the added bonus of lower fees and member-owned customer service.
Some of the features of a VISA Platinum credit card from FCFCU:
- Fixed rate
- Credit line up to $30,000
- No annual fee
- No cash advance fee
- 25 day grace period on purchases
- Skip-a-payment option
- Low 2% minimum payment required
- Automatic payment from account
Are you not quite sure how you want to help the Haiti relief project? Haitian residents are still in need of adequate supplies and aid in this desperate time. It has been over a month since the earthquake rumbled the small country and the giving nationwide (and even globally) has been remarkable. But, please don't think this a quick fix problem. The infrastructure of the country was so frail pre-earthquake that the road to recovery will take years and the American Red Cross is still in need of your valuable donations. 
Now could not be a better time to find an alternative to rising health care costs. Ease the burden of out-of-pocket health costs, earn interest year after year, and enjoy tax free withdrawals on a Health Savings Account Plan from your Indianapolis Credit Union.
As we have reclaimed the fighting spirit within this recent economic slump many of you are seeking loans to help you recover or to begin a new prospect and a fresh slate. But where does one turn in such a state of bank distrust? Are your national and even local bank loans going to force you to keeping counting pennies in your piggy bank? Where can you find an institution you can trust? 
Many of you are realizing you're not tied down to your bank and are making a switch to your 
More and more, small businesses are seeking loans from local credit unions rather than large banks. Why?
Recent news has indicated that rising fees, higher rates, and unfavorable terms from the major credit card companies is probable soon. 
With the rising costs of health insurance, many companies are encouraging employees to participate in a high deductible health plan and take advantage of a health savings account or HSA. An HSA is a different way to save for future health care expenses. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.
Suze Orman recently published her 
in the credit union movement for the past 23 years with experience in finance, budgeting, investments, regulatory compliance, business development, and marketing.
safer, fresher, and healthier for you.
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