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Our Dolphin Tours are VERY popular so we encourage you to book well in advance to secure your spot on this wonderful experience. us on a unique eco-tour to search for wild Atlantic bottlenose dolphins and view the wildlife of the Outer Banks. Aboard our covered 40 foot pontoon boat, you will observe bottlenose dolphins, pelicans, and osprey!


Here are some highlights of the changes:. You will be required to accept the updated Online Services Agreement and re-accept the E- Agreement with your first on after the effective date. You may preview the new agreement here. If an unknown caller says your computer needs an emergency update, hang up. Tech support scams can steal your money or worse, install a virus or malware on your computer, mobile or electronic devices. Only let people you know and trust access your devices. Do a little research to get the best deal possible.

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Consider purchasing a Life Insurance policy or adding to what you may already have. Whether you wear or carry your device, adding a strong password or passphrase can help keep devices secure anytime, anywhere. A wire transfer is perfect for sending or receiving a large sum of money quickly and safely.

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Find out morethen contact your local branch to get started. Look for scholarships before turning to financial aid to pay for college. Leave clear instructions about medical decisions that need to be made on your behalf if you can't make them. A living will and a Healthcare Power of Attorney help make it easier for your loved ones to make tough decisions. Find out more about these important documents at Estate Planning Essentials.

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Pay friends with these and other similar payment systems. Know that these cash transactions are instantaneous and irreversible.

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Double-check before you hit send. Use them only with people North Carolina (NC). know to lower your risk of losing money to fraud. Our volunteers are the best example of the credit union grassroots philosophy "people helping people! While do-it-yourself wills are cheaper, you might overlook something important that ends up costing your family to lose money or assets.

An estate planning attorney in our Estate Planning Essentials program will ask you the right questions to make sure nothing is missed. Did you know we have a Loan Review Committee made up of member volunteers? Members have the right to ask this committee to reevaluate a loan decision. This is one of the unique benefits our Credit Union offers that banks don't. No amount of money saved toward retirement is too small.

Even when money is tight, small, consistent contributions to your retirement s will make a big impact over time. Getting a tax refund? Consider using the funds to pay off debt or put into savings to improve your financial situation. Coverdell Education Savings s and Plans allow tax-deferred growth of investments and experience no taxes when withdrawn for qualified educational purposes. You can order new checks or reorder your supply just by logging in to Member Connect.

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Learn as much as you can about the plan. Contribute the maximum possible for you. Then get familiar with your investment options and invest based on your goals. If you created a Last Will and Testament several years ago, it might need updating. Try to review your will at least every three years. Set aside an hour or two each month to gather and properly store receipts, cancelled checks, and other documents necessary to prepare your taxes.

Take it one step farther by scanning your information. Got guests? Create another wireless network name and password on your home router specifically for visiting devices. These nine s are always shown at the bottom of all s on this website and on the. And, if you have checks and deposit slips, the is printed on the bottom left corner. Resist the temptation to withdraw funds from your retirement .

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One member, one vote is how LGFCU members equally participate in electing the leadership, setting policies and making decisions about the Credit Union. Tracking your expenses is key to staying on budget. Make sure you use a checkbook register, a spreheet or an online tool to help keep you on track. Pay yourself first!

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Use automatic deductions from your payroll or checking s to make deposits in IRAs, mutual funds, or other savings and investment s. If your will names beneficiaries different from those deated on bank s or insurance policies, those bank s and insurance deations trump those in your will. Review your beneficiary deations and will together to make sure your assets go to the people you really want. When choosing an executor to handle your estate, choose someone with some financial savvy.

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Start fresh the next month and commit to stay in budget. If you need help with your finances get information here or make an appointment for financial counseling at a branch near you. If you have a disabled adult child receiving public benefits, a Special Needs Trust might be good to consider.

This will help you gift money to your child upon your death while still protecting those public benefits.

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Talk to an attorney specializing in Special Needs Trusts to determine if this is right for you. Members have the right to appeal the decision when a branch office denies a loan or credit card application. Discover how the volunteer Loan Review Committee could help you. In case of an extreme financial emergency, avoid increasing your debt by borrowing against high-interest rate credit cards.

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And never visit a payday lender! A small, short-term, low-interest loan against future salary from a trusted lender like LGFCU may be your best bet. Fund your retirement savings with after-tax dollars now. Then withdraw your earnings tax-free later with a Roth IRA. Discover what an IRA can do for you. When you create a will, name a guardian to take care of your children upon your death. Remember to update your will each time you have major life changes such as marriage, divorce or starting a family.

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