Westerville
Independence Day Observed
In observance of Independence Day – Education First Credit Union will be closed on Tuesday, July 4, 2017.
Main Phone: 614-221-9376 | Toll Free: 1-866-628-6446 | Routing Number: 244077271 x
Compare & Save!
See how much more you save with Education First Credit Union!
Click to Compare!
Online Payments & Account Funding Is Available
Online Loan Payments & Account Funding Is Available!
Online Payments & Deposits are conveniently available for you through our website, a smart phone and even text messaging!
Make Your Education First Credit Union loan payment or fund your account ONLINE with any credit card, debit card, or checking account.
- Use a debit card, credit card or checking account number from another financial institution to make your Education First loan payment or to make a deposit into your Education First account.
- You can make a one-time payment or schedule regular payments
- There is a convenience fee for using this service. Using a Debit Card or Checking Account Number has a convenience fee of $4.95 per transaction. Using a Credit Card Number has a convenience fee of 2.95% of the transaction amount.
Payment Examples: If you are making a loan payment in the amount of $250.00 using a debit card or checking account number, your transaction amount will be $254.95. If you are making a loan payment in the amount of $250.00 using a credit card, the transaction amount will be $257.38.
To Make a Payment or Deposit Click Here!
If you have any questions about this service, please contact Education First Credit Union. Other fees and/or restrictions may apply.
Protect Yourself From Fraud & Identity Theft
To read some practical tips on protecting yourself from Fraud & Identity Theft – Click Here!
Enterprise Special Available
We are pleased to announce that Enterprise Car Sales brings more benefits, more value and more resources to our members! Great Used Cars – and great financing from Education First Credit Union!
CLICK HERE TO BROWSE SELECTION
Why Enterprise? Although they are most widely recognized for car rentals, they have been in cars sales for over 50 years. They have 135 sales offices nationwide, with 2 in Ohio, one in Cincinnati and Columbus.
LOVE YOUR SAVINGS!
Love your savings.
Everyone is looking for ways to save money, and that’s just what Love My Credit Union Rewards is all about.
Education First is excited to offer you, our member, exclusive discounts and benefits on products and services you use every day. Credit union members have already saved over $1 billion with Love My Credit Union Rewards discounts. So along with lower loan rates and fewer fees, here’s another way you can save even more.
- Save 10% on select regularly priced Sprint monthly service; businesses save 15% on select regularly priced Sprint monthly service. Plus, waived activation and upgrade fees (up to $36 savings for each)
- Save up to $15 on TurboTax Federal tax products
- CU Road Pal – get the safety and security of roadside assistance & more!
- Save on services for your home from ADT, DIRECTV, Allied, and more
- Earn cash back when you shop at over 1,500 online retailers with Love to Shop
The more offers you take advantage of, the more you save. Start saving today at LoveMyCreditUnion.org.
Keep More Money In Your Pocket-Save with Liberty Mutual Insurance Group
In keeping your financial best interests at the forefront, we are offering you an added benefit that will keep more of your money in your pocket.
Liberty Mutual Insurance Group offers our members sizable savings on life, auto, homeowners and long-term care insurance. You work hard… and you deserve to have some peace of mind. Even if you think you have all the insurance you need, it is always wise to get a second opinion to see if there are even better options for your needs. Megan can help you. She is extremely knowledgeable, and she is available to meet with you or answer any questions you may have. Contact her today!
Megan Brooks, AU, LUTCF
614-372-9858 (DIRECT NUMBER)
Megan.Brooks@LibertyMutual.com (EMAIL)
www.LibertyMutual.com/MeganBrooks
Liberty Mutual Insurance Group
Responsibility, What’s Your Policy?
Click Here For More Information.
Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Links to other Web Sites and/or email addresses are provided solely as a convenience to our members and other customers. The Credit Union has no control over these sites/addresses; and the Credit Union shall have no responsibility or liability relating to any access to such sites or communications between you and such Third Parties. In addition, Third Parties are not covered by the Credit Union’s privacy or other policies; and the Credit Union is not responsible for the privacy practices or the content of Third Party Sites.
Don’t Sweat It, Shred It!
Why make it easy for thieves to get their hands on your sensitive information? Protect your personal information by shredding papers containing confidential information–particularly Social Security numbers, credit card offers, and statements. It only takes seconds to shred, but months or even years to clear your record once scammers set up fraudulent accounts in your name.
Online Safety Tips
Five Tips for Online Safety
The Internet is fertile territory for criminals who devise devious methods to exploit unsuspecting Web users. But by taking these five important precautions, you can keep your finances and personal information safe.
1. Guard your private data. Don’t transmit social security, credit card or bank account routing numbers via email. Make purchases only over secure Web sites, indicated by a lock icon on your browser’s status bar or a URL beginning with “https.” Reconsider doing business with a company lacking a privacy policy.
2. Use passwords effectively. Don’t share them or keep them in plain view. Avoid common words, and names and birthdays of family and friends. Use a combination of letters and numbers in both upper and lower case. Change your password every 90 days and consider using a different password for each of your online accounts.
3. Secure your browser and email applications. Check the Tools or Options menus for built-in security and privacy features. Regularly update security software patches. Filter spam out of your email inbox. Never open an attachment in an email from an unknown sender.
4. Install protective software. Turn on automatic update to download the most recent virus “antidotes.” Put up a firewall that blocks hackers from tampering with your information.
5. Beware of “phishing.” Never respond to an email requiring that you update or validate account information under threat of dire consequences. No legitimate company would make this request. Instead, forward the email to spam@uce.gov and report it to the company being impersonated.
©2014 Liberty Mutual Group. All rights reserved.
Create A Monthly Budget In 5 Easy Steps
The Financial Five
January 2014
Five Steps To Start A Monthly Budget
Columbus, Ohio (January 6, 2014) According to a survey by the Ohio Credit Union League, 20% of Ohioans are unsure how to create a monthly budget. While some effort is necessary, garnering a better understanding of your cash flow is an important step to strengthening your family’s financial situation. “It’s common to wonder where your hard-earned money goes,” said Tara Neiswonger, CEO at Education First. “A budget helps you control your expenses and puts you in a position to decipher between necessary spending and areas you can cut back.” She suggests the following steps to establish a basic budget:
Step One: Keep track of your income and expenses for a couple of months. You need an idea of what a “typical” month is like for you. For cash expenditures, keep receipts in an envelope you carry with you every day. Then go back to categorize and total the receipts at the end of the month.
Step Two: Lay out your budget. In the “expenses” part of your budget, you will be accounting for two major types of expenses: fixed and variable. Fixed expenses are set amounts you pay every month, such as rent, car payment, and utilities. Variable expenses include discretionary items, such as entertainment and clothing. Write down all the necessities so you know how much you have left for discretionary spending.
Step Three: Pay yourself each time you receive a paycheck. Payroll deduction or direct deposit can help you stick to the savings habit. No matter how modestly you begin, the important thing is to start saving and to include it in your budget. Even if you feel like you can’t save enough to make a difference, do it anyway! You’ll be establishing a savings habit that will be invaluable when you reach a point in your life when you have more to save.
Step Four: Evaluate your spending. You may need to trim expenses. Take a good look at where you spend money, and cut out unnecessary items. Even if you cannot eliminate any large expenses, you may be able to cut several small items. Every little bit helps. Try making yourself stick to a “waiting period” on purchases. If you see something you think you can’t live without, put it on hold instead of buying it on the spot. If you still have to have it after 24 hours, go back for it if you can really afford it.
Step Five: Don’t overlook big, once-a-year expenses. Holiday gifts and vacations can quickly turn into budget-killers if you do not plan. To help, divide what you spend on such items yearly by 12 and add this expense to your monthly budget. Also, budget a little each month to save for insurance premiums and car repairs if you want to avoid draining your savings account.
Remember: Don’t be too hard on yourself. Don’t make your spending limits unreasonable. Leave some room for unplanned expenses.
The Financial Five is a monthly consumer column from Ohio’s credit unions that provides important financial tips to consumers.
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©2017 Education First Credit Union -Serving the Education Community since 1936
