DELAYED OPENING: On Thursday, January 4, 2018, Truliant’s Alamance County, Asheboro, N.C. and Richmond, Va. locations will open at 10 a.m. due to inclement weather. All other locations will have normal business hours. You can still pay bills, transfer funds, apply for loans and more using Truliant’s Tru2Go online tools.
Delayed Opening: On Friday, Jan. 19, 2018, all North Carolina Truliant locations will open at 10 a.m. due to snow conditions. Truliant's Virginia and Greenville, S.C. locations will open with regular hours. You can also pay bills or transfer funds by using our Tru2Go online tools: truliant.org/tru2go. Apply for loans by calling our 24-hour loan line at 855.293.2957 or by visiting our loan application page.
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S​tart Saving for Christmas Now

Contributed by: Heath Combs


This week's blog comes to us from Harold Velasquez,a member of the Academy of Finance at West Forsyth High School. Harold is one of our summer interns and is involved in National Honor Society, Key Club, DECA, the Marching Band and wind ensemble. We're we've been happy to have him these last few months!

Christmas, a time to be with family and friends, a season of giving, a holiday full of joy, peace, and love. It is a time where we spend our money planning, buying presents for our loved ones, spending on vacation and food. But Christmas is still months away, so why worry? Well it might come sooner than you think, you might not have enough funds for all your Christmas plans, gifts, vacation and more; Luckily there’s a solution to unpreparedness, start saving today for a financially stable and ready season so that you will have an amazing Christmas full of giving, gifts, family, friends, and having that good jolly ole season.

You can begin by determining how much you want to spend on gifts, parties, dinner, or vacation during the Christmas season. After that, see how much you spend on expenses each month based on your monthly salary, then calculate how much you can set aside to be able to save for Christmas and satisfy all the payments you have to make each month. You can make a budget, sacrifice small things that you spend on for an extra cash that you can set aside. And just really think about saving each month, each week, or even each day so you will have that perfect Christmas time that you dream of.

Keep your eyes peeled for deals during the summer or months that are still far away from the holiday season. Out of season items cost much less since no one is ready to buy them yet, so try to look for those deals that soon will be in season and everyone else will be paying a higher price than you did. Try buying the presents before the holiday comes, buy winter coats or jackets in July for lower prices, and buy Christmas décor earlier when it is still not in season. Wait for Black Friday and buy items for presents that are on a huge sale such as electronics, gadgets and more that everyone will love. 

There are other ways to save for Christmas. Truliant Federal Credit Union you can save a lot, by offering you a variety of savings accounts that will surely meet and satisfy your needs, like the Christmas Club account.1 For this account, on the first of November each year, Truliant will transfer all funds to your checking or savings account if you do not have a checking account. It also pays dividends, provides an incentive to save, earns dividends, has a 0.05%2 interest rate, and is also very convenient – a great way to save for the season of giving. 

Having the perfect Christmas does not have to be a pain in the pockets, all you have to do is start saving early, and all you will have to worry about is putting that star on top of the Christmas tree.

Federally insured by the NCUA. (1) Any withdrawal from the Christmas Club Account will result in a $10 fee. (2) Savings rates are accurate as of March 15, 2016. Savings rates are subject to change monthly as determined by the Board of Directors of the Credit Union. Please see our Account Terms and Truth in Savings disclosures for more information about dividends and your accounts

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