Rest Confident, Your Money is Safe and Secure at Kirtland Credit Union, a message from our President & CEO. Learn More
We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted. A reply is not considered necessary unless a difference is noted.
Kirtland FCU branches and the Member Contact Center will be closed Monday, May 29 in observance of Memorial Day.
By Ashleigh, K-Staff
Halloween is over, but here’s one last spooky fact—as of November 1, Christmas is less than eight weeks away. That leaves only four pay periods left to handle all your holiday expenses. Surprise!
If you haven’t already started your holiday shopping, grab onto something—the next two months are going to rush by. According to Adobe Analytics, consumer spending is expected to rise nearly 10%, and online sales are expected to grow by a similar amount, driven in part by spectacular rises in prices of goods and materials. Uncertainty regarding shipping will impact online spending, slowing its growth to a pace not seen since Adobe Analytics began tracking in 2014.
Bottom line: you can expect to spend more this holiday season, and local spending is where it’s at. If you’re shopping online, start early to allow for extended shipping times.
Do you have a plan for handling holiday costs? Having a good budget is essential, and shopping for deals (while more difficult to find this year) will help contain costs. Even so, many Americans will be relying on credit cards and loans to handle expenses of parties, presents, and holiday cheer. If you’re one of the many Americans who will need an additional source of holiday funds, you have options.
No matter how you decide to handle this year’s holiday expenses, planning ahead will save you a lot of time and money.
*APR = Annual Percentage Rate. Rates effective the first of each month and are subject to change at any time without notice. Annual percentage rate is based on credit history and other factors. The Kirtland FCU Visa Platinum Credit Card has a variable interest rate which is indexed to the Prime Rate and tiered based on credit-worthiness criteria. A margin (based on credit-worthiness criteria) is added to the index to determine the interest rate. The annual percentage rate can change quarterly, based on changes to the index, and annually, based on changes to the credit-worthiness criteria. Cash-back rewards will post to your account at the end of each billing cycle. Cash advance, ATM withdrawals, and balance transfer transactions are excluded from earning cash rebates or reward points. If you do not specify a benefit program, you will be automatically enrolled in the Cash Back Rebate.
1% rate discount valid for personal loans funded by December 31, 2021. 7.99% APR rate available for A+ credit tier applicants. Actual rate varies based on credit worthiness. Valid only on loans up to $3,000 and with a term up to 36 months. Restrictions apply. See a representative for complete details.