- Join Today
- Savings & Checking
- 24 Hour Services
- Investment Services
- Online Resources
Hello summer! It’s the season of flip-flops and sunburn, ice cream and road trips, fireworks and barbecues. And, if you’re one of the thousands of college students staying on for the summer semester, it’s the season of textbooks and lectures, term papers and exams, coursework and study groups. But you don’t have to let a summer semester kill all the fun of July and August.
Here’s how to ace your classes this summer and get some fun in the sun, too:
1. Study outdoors
You don’t need to be a beach bum to get a killer tan this summer. Grab your books and some friends, then throw a study party at a local park, outdoor café or scenic waterfront. There’s nothing like some summer air to get those brain cells chugging. Just don’t forget the sunscreen!
2. Build breaks into your schedule
You need to keep your average up, but you also need to breathe every once in a while. Don’t turn yourself into a martyr this summer just because everyone else is off having fun while you’re lugging around a stack of textbooks. Build short breaks into your study schedule and use them to grab an ice cream cone, go for a mile run, or just for chilling. These small bursts of fun will help you avoid burnout and keep your mind crystal clear for late-night cramming sessions.
3. Take a hike
Grab your hiking boots and a pair of earbuds and then head out to your favorite trail. You’ll get your workout, your fix of outdoor air and your studying done, all at the same time! Tune into a recorded lecture or a podcast on your course subject and let the info sink in while you hike. Build your muscles and your brainpower at the same time!
4. Make the most of weekends
Instead of crashing into bed over the weekend or hitting your books again, pack those spare hours with as much summer fun as you possibly can. Plan a trip to a nearby amusement park, join the crowds at the beach or try any other local getaway. One day of total fun will give you the boost you need for another week of hard work.
5. Hit the road
If your summers always involve packing into the car, cranking up the radio and watching the miles roll by as you work your way through numerous bags of Doritos, get ready to hit the road!
While you can’t exactly skip tomorrow’s double anatomy and physiology class when the open road is calling, you can still take short car trips on weekends and during your afternoons off. Instead of setting off for a cross-country trip, settle for a spot a few hours away — or even a few states over, if you can swing it. Bring your notes along and let one friend play the part of professor as they “lecture” to others while you cruise. You can also listen to a recorded class while you soak in the sights.
Meet Ray, member since 1972…
“The headline read ‘Not Exactly the Grandmotherly Type,’” remembers Ray, about the front-page article The Columbus Dispatch wrote about him in 1972, the same year that he joined the Credit Union.
“I was the first male kindergarten teacher in Columbus,” says Ray, who taught kindergarten at Livingston Elementary School for 14 years. “It was a big deal; some school districts wouldn’t even hire male elementary school teachers back then.”
Ray had just moved to Columbus from Newark to begin his teaching career. He says it was his fellow teachers at Livingston who encouraged him to join Education First.
“When I first moved to Columbus, Livingston was a small, close-knit school, all the teachers knew each other well and they all encouraged me to join the Credit Union,” says Ray, who would go on to later recommend the Credit Union to other teachers.
“I remember the Credit Union, at the time, being a very small operation. It had just moved from the Seneca Hotel to an office building on Livingston,” he says. In the early 1970’s, Education First had grown enough to have its own building on Livingston Avenue, prior to that building, the Credit Union was run out of a rented room at the Seneca Hotel in Downtown Columbus.
Ray has since retired from teaching and is currently the treasurer for the Franklin County Retired Teachers Association.
His first loan with Education First was, like many members, a car loan for his first car. He has since used many other Credit Union products and services. “I really like Education First’s VISA credit card, that rate is great,” he says.
Perhaps his most unusual loan was for a tree. “We had a gigantic Ash tree in our yard,” says Ray. “It had been around at least since 1963 when the house was built. It was hit by lightening during a storm one night and caught on fire.”
Luckily the rain from the storm put out the blaze, but the tree had died in the process and needed to be chopped down. The cost and stress of taking down the old tree was made manageable with a loan from the Credit Union. Without even having to take valuable time to come into Education First in person, Ray was given the loan quickly and was on his way to taking care of the repairs.
“The [tree] loan was an easy process,” says Ray. “I literally only had to come in to sign the papers and I was on my way, I really appreciated how fast and easy it was.”
This Wednesday, 5:30pm – 7pm at our Downtown Branch (510 E. Mound)
Learn everything you’ve ever wanted to know about #Medicare.
This is an informational session on everything you need to know about Medicare. Ohio-licensed Life and Health Agent, Alisa Gardner will be our speaker.
Reservations are free, but requested. To RSVP please email Melissa Bell (email@example.com) or give us a call at 614-340-1529.
August 3, 2019 9:00 pm – 11:30 pm Genoa Park, 303 West Broad Street, Columbus
The Buckeye Chapter of the Military Order of the Purple Heart (MOPH) presents The Purple Heart 5k. This will be a great night celebrating with military members and the community. The unique race start time of 9PM will serve as a completely new experience for many runners. This time was chosen to represent the solemnity of the Purple Heart Medal, an award only earned through being wounded in combat in defense of the United States of America.
This year the race will take place at Genoa Park in downtown Columbus. The Apollo 50th Anniversary of Flight and Ohio Astronauts will be honored.
To register to run:
We have some great, (and free!) seminars coming up that you won’t want to miss:
*All seminars start at 5:30pm until 7pm and will be at our Downtown Branch, 510 E. Mound St., Columbus, OH 43215.
Reservations are free, but requested. To RSVP please email Melissa Bell at firstname.lastname@example.org r give us a call at 614-340-1529.
Meet Wilbert, member since 1959…
On Labor Day in 1958, Wilbert left for a family reunion and by the time he returned home later that day, he had a teaching job at Columbus City Schools.
“When I came home I had a phone call from [Columbus Superintendent] Herb Young asking if I was still looking for a teaching job,” says Wilbert, who had recently graduated from college.
“Yes,” he told Young.
“Can you be down to the office tomorrow?”
The following day, Wilbert drove from Morrow County, Ohio to East High School in Columbus. It was the first day of school.
“And I taught history at East for the next 7 years,” says Wilbert, who re-located to Columbus with his wife and children after he was offered his new job.
Wilbert joined the teacher’s Credit Union, (now Education First) soon after he began working in Columbus. He says that the Credit Union helped him make ends meet in the early days of his career as he was raising four children on a Columbus teacher’s salary.
“The Credit Union gives teacher’s a place to go when needed,” says Wilbert. “It is never easy for anyone to ask for money, but a Credit Union can make things a little easier by being friendly and understanding.”
In the following years, he would play a pivotal role in approving loans as an Education First Credit Union credit committee member.
“I started volunteering as a committee member back in the late 1970’s,” says Wilbert, who was by then working on the administrative side of Columbus City Schools, in the Food Services Department.
“A co-worker of mine was on the Credit Union [Board of Directors] and recommended that I volunteer.”
The credit committee is a group of credit union members who volunteer to review potential loans and either approve or disprove of the loan based on their analysis.
“You know, [Education First] is a specialized credit union, for educators,” says Wilbert. “Most of our members were school workers and teachers, so when they had a need we would do our best to hear them out. Most were faithful in working and paying back their loan. We didn’t have many bad loans that went unpaid.”
Wilbert would later go on to be an Education First Board member as well. After over 60 years of being an Education First member, he says what he appreciates most about being a credit union member is how personal the experience is and how the Credit Union truly takes the time to listen.
Opening your first credit card is one of the rites of passage into genuine adulthood, but with so much conflicting information, it can all get confusing fast! Lets walk you through the process to help you build a strong credit score and credit history that will serve you well throughout your life:
Choosing a credit card
The way people typically build a credit history is by opening a credit card. But ironically, many credit cards won’t accept your application because you don’t yet have that credit history!
You’ll need to build your credit history from the ground up, starting with cards that offer a very low limit but will accept almost any applicants, such as those offered by Capital One or Credit One. If you’re rejected from even these cards, work on paying all your bills on time for a few months and then try again. [You can also stop by Education First to ask about the credit cards we offer our members.]
Don’t apply to just any card that’ll have you. Look for these features when making your choice:
No annual fees. You shouldn’t have to pay money to use your card. Sometime in the future, you may want to open up a high-perk card with an annual fee to match, but for now, just concentrate on building your credit score.
A low interest rate. For your first credit card, you likely won’t be offered a really low interest rate, but that doesn’t mean you should be taken for a ride. Shop around for a card offering a reasonable rate, maybe only slightly higher than the average rate.
Incentives for good behavior. Why not earn brownie points for playing by the rules? Look for a card that offers incentives, such as a bonus each month when the bill is paid on time, a waived first late-payment fee or no foreign-transaction fees.
Credit card dos and don’ts:
Once you’ve opened your card, or cards, make sure you use them to build and maintain that excellent score. Follow these guidelines and you won’t go wrong:
Pay your bill on time each month.
Check your credit score monthly.
Review your statements for suspicious activity.
Keep your cards in a safe place.
Accept offers of a higher line of credit.
Pay just the minimum balance due each billing cycle.
Open new cards just before taking out a large loan, like a mortgage or auto loan.
Use all of your available credit.
Allow unsecured websites to save your card information.
Share your card information with anyone.