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In Focus – SCCCU Blog

Stay informed about the Credit Union’s activities, plus get practical advice on a variety of personal finance topics.

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Archive Financial Education

Financial Literacy Isn’t a Class — It’s a Habit

Financial Literacy Isn’t a Class — It’s a Habit

April 13, 2026
There’s a persistent idea that financial literacy is something you complete. Take a class, learn a...
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Debit Isn’t the Enemy — Bad Strategy Is

Debit Isn’t the Enemy — Bad Strategy Is

April 10, 2026
Most people hear the word “debt” and immediately think it’s a bad thing. It feels like somethi...
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The Real Cost of Convenience

The Real Cost of Convenience

April 10, 2026
Convenience makes life easier. Tap your card, and you are done. Order groceries from your couch. Set...
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That Urgent Text Message Might Be Fake

That Urgent Text Message Might Be Fake

March 15, 2026
It happens fast. Your phone buzzes, and you see a message that looks like it came from your financi...
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Tax Season Scams are Back: How to Spot Fake IRS Messages

Tax Season Scams are Back: How to Spot Fake IRS Messages

March 11, 2026
Every year around March, something predictable happens. Millions of people start checking their emai...
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Should You Save Your Tax Refund or Use It to Pay Down Debt?

Should You Save Your Tax Refund or Use It to Pay Down Debt?

March 11, 2026
For many people, a tax refund feels like a financial bonus. After months of working and budgeting, s...
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Is It the Right Time to Refinance Your Mortgage Loan?

Is It the Right Time to Refinance Your Mortgage Loan?

March 6, 2026
Refinancing a home loan can feel like a big decision. Interest rates fluctuate, financial goals shif...
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Simple Financial Fixes to Help Your Business Become More Successful

Simple Financial Fixes to Help Your Business Become More Successful

February 20, 2026
Running a small business takes focus, flexibility, and a whole lot of problem-solving. Whether you...
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A Financial Check-In for Our Business Members

A Financial Check-In for Our Business Members

February 17, 2026
Running a small business in Santa Cruz (and its surrounding areas) means staying flexible — not ju...
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