Access Credit Union Blog

Life can get busy, especially during the holiday season. When we take on more responsibility, we feel like we are stretched past our limits. So how do we budget for more free time?

When shopping during the holidays seems more like ho ho, oh no and less like rockin’ around the Christmas tree, it’s hard to stay cheery and bright during the ‘most wonderful time of the year’.

We've got all the tips and tricks to help you become a budgeting expert.

The best way to avoid getting into trouble with debt is borrowing money wisely from the get-go.

It is important to understand the formula to borrowing money. Did you know there is a formula to comfortable debt? It's important to understand that formula before you borrow money.

Financial institutions will often approve borrowing at 42% total debt servicing. Total debt servicing is calculated as a percentage of your pre-tax income versus your monthly debt obligations.

Yes, you can have a credit-free holiday season!

When you're busy, it's easy to lose sight of where you could be over-spending. Here are some ways you could find extra money in your day-to-day budget.

We've gathered our favourite, not-so-common, common sense financial tips.

The best time to start setting financial goals is NOW.

Did you know that more than 50% of Manitobans don't use a budget system to track spending?

The TFSA is an extremely helpful savings product, but one that comes with many questions. As a financial institution, giving you insider information on TFSAs is super important to us. Find the details below!

The purpose of an RRSP is to ultimately help you save for retirement. Of course, if you’re retiring tomorrow and haven’t contributed a penny, it might be a little too late to start.

What is phishing?  

The true definition of phishing is the fraudulent practice of sending emails claiming to be from reputable companies (such as credit unions) in order to persuade individuals to reveal personal information, such as online banking passwords and credit card numbers.

Although phishing can be a frightening topic, if you’re well-informed, it’s something you don’t have to worry about. So, without any further delay, here are our facts (and tips) regarding phishing:

It’s never too soon to build financial literacy skills.

Teaching teens how to budget effectively can help them build positive financial habits and skills that last a lifetime. Teens can earn money in many ways; whether doing chores around the house or getting a part-time job. Some of today's teens are even earning income from online businesses! Once the money starts rolling in, learning how to budget is crucial.

Sending (or, even better, receiving!) money is a breeze with Interac e-Transfers®. Although there is lots of stuff that goes on behind the scenes, we are certain there’s a number of factors come into play to protect your money.

What is Cybersecurity?

Cybersecurity is the protection against internet-connected cyber threats. These cyber attackers can interfere with systems like software, hardware, and data Both individuals and companies should practice cybersecurity to ensure protection from external and unauthorized parties retrieving insider data.

4 Things you need to know about
Student Lines of Credit

Being a student is tough, but there are a few things that you can do to make your life a little bit easier. With Access Credit Union’s student line of credit, you’ll be able to easily pay for things like tuition, books, and residence, leaving you to worry about the important stuff…like homework!

Successful Saving Starts Here

Grow your savings potential by considering these important factors.

You’ve seen the commercials, you’ve clicked on the Facebook ads, you’ve done a Google search here and there. You’ve even talked to your second cousin, Jim, who claims to be an ‘expert’, and yet, still, you don’t know how to start investing. And that’s okay.  

Financial worry can affect your overall health. Here's what you can do about it.

Avoid getting into a sticky situation with interest rates.

Learn how each type will affect your overall costs.

Renovating, remodeling, or starting from the ground up? We’ll help you get the job done.

Learn how much home you can realistically afford by considering these key factors. 

Buying a home is a huge investment. These factors can help find you the perfect home.

Follow five straightforward steps to determine your monthly mortgage payment options.

An RESP beneficiary is eligible to receive up to $7,200 in government grants, and more.

When it comes to saving for a post-secondary education, it’s hard to go wrong with an RESP.

A Registered Education Savings Plan (RESP) is a dedicated savings plan to help save for education after high school.

The overpayment scam has become popular over the past several years.

Don’t let yourself, or someone your love, fall victim to a Romance Scam.

Learn to identify "phishing" emails that ask for personal information.

Find out how to protect yourself from spoofing websites.

Keep an eye out for the latest cheque scam taking advantage of unsuspecting consumers.

In today’s digital landscape, fraud is a real threat.

Identify the warning signs of fraud before it’s too late

Don't fall for phone, email, website, or login scams.

Use these trusted online resources to help protect yourself online.

Everyone’s retirement looks different, so calculating what you’ll need is a key first step to your retirement savings plan.

The earlier you invest in your RRSP, the better you can leverage the power of compounding.

The Registered Retirement Savings Plan (RRSP) is Canada’s most popular retirement savings product for a reason.

A registered retirement savings plan is a great product to start saving for your future retirement.

You have the right accounts, now it's time for the right strategy.

A tax-free savings account is a great product to save for both short and long-term goals.

Achieving your financial goals all starts with a financial plan.

Benefit from having an RRSP and a TFSA tax-sheltered savings vehicles.

Take full advantage of tax-sheltered growth potential.

Shield your investment interest earnings from tax and keep more for yourself.

Shield interest earnings from taxes and put more toward your financial goals.

Start saving now to earn the vacation you deserve.