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10 Cyber Monday Scams to Avoid this Holiday Season

Cyber Monday: the Monday following Thanksgiving, notorious for irresistible online sales. Due to COVID-19, in-person shopping has declined while online shopping has been on the rise. This will result in millions of people logging online in search of the best deals on Monday. However, online retailers aren't the only ones who want your hard-earned money. Scammers and Spammers are out there too! They utilize a variety of tactics to trick consumers like you into giving themselves a nice payday. How can this be avoided? By being educated and aware while making online purchases. Here are 10 common Black Friday scams you'll want to avoid this holiday season:

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Banking on the Go with USALLIANCE

Like the rest of the rapidly evolving world, the banking industry has evolved to include mobile and online applications, giving members access their accounts whenever and wherever they may go!

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10 Reasons to Shop Local on Small Business Saturday

At the peak of the holiday shopping season, right between Black Friday and Cyber Monday is Small Business Saturday. This day is designated to encourage people to support small businesses by shopping with them. According to the Small Business Association (SBA), the 28 million small businesses in America account for 54% of all sales in the country. Small businesses create jobs, build a demand for locally made products, and keep communities thriving. The Coronavirus pandemic has become an existential crisis for the small businesses of America. So, ditch the Starbucks cup and grab a (socially distanced) coffee at your local coffee shop and support #SmallBusinessSaturday!

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5 Ways To Keep Your Finances Intact This Holiday Season

Keep your finances intact while still enjoying the holiday gift giving tradition with these five tips:

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How to Allocate Your Retirement Savings

There are many elements to a successful investment strategy, but they usually boil down to one basic concept—asset allocation. When you spread your retirement savings out among a variety of investment vehicles, you greatly increase your money’s earning power, at a level of risk that sits within your comfort zone.

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Your Complete Guide to Homeowners Insurance

Homeowners insurance is designed to protect you and your family members from liability and cover your home, plus possessions, in the event of disaster or theft.

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Do You Need an Emergency Fund and a Rainy-Day Fund?

Do you need to have a separate rainy-day fund and emergency fund? In an effort to simplify their money, people sometimes consolidate their accounts. This is OK in many instances, but it’s important to remember that rainy day funds and emergency funds serve different purposes. Additionally, it’s important to have not just one, but both funds available to tap into as needed.

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Better Banking Options During COVID-19 [Infographic]

At USALLIANCE, we've been equipped with online banking features to help you bank your way, on your time, since long before social distancing was a concern.

One of the best perks of being a Credit Union member is that you have access to a robust online banking system to meet your specific needs. Check out how USALLIANCE Financial can help you stay on top of your finances no matter where you are:

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5 Signs That It’s Time to Downsize Your Home

Your home will likely mean many things over the course of your time living in it — dinners with friends, milestones with your children and/or partner, and a place of refuge when you need a break from the outside world.

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Mortgage Rates Are Dropping; Should I Refinance?

Q:Should I take advantage of the dropping interest rates by refinancing my mortgage?

A: Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out a new mortgage on the same home, often at a lower interest rate. It may sound like a no-brainer, but there are many factors to consider.

Is it a good time to refinance?

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