--- title: Blog | Members Plus Credit Union description: Read our latest blogs and stay up to date on your financial know how. --- [![MembersPlusCU](https://blog.memberspluscu.org/hubfs/MembersPlusCU_February2025/images/MPCU-logo-with-tag-e1540818915924.png)](https://www.memberspluscu.org/) Toggle navigation - Personal Banking - [Products & Solutions](http://memberspluscu.org/personal-banking/) - [Members Checking](https://www.memberspluscu.org/personal-banking/products-solutions/members-checking/) - [Members Plus Checking](https://www.memberspluscu.org/personal-banking/products-solutions/members-plus-checking/) - [Rising Teen Accounts](https://www.memberspluscu.org/rising-teen-accounts/) - [Debit Mastercard®](https://www.memberspluscu.org/personal-banking/products-solutions/mc-debit-card/) - [Savings](https://www.memberspluscu.org/personal-banking/products-solutions/savings/) - [Club Accounts](https://www.memberspluscu.org/personal-banking/products-solutions/club-accounts/) - [Money Market](https://www.memberspluscu.org/personal-banking/products-solutions/money-market/) - 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[Wire Transfers](https://www.memberspluscu.org/personal-banking/features-services/wire-transfers/) - [Learn More](http://memberspluscu.org/personal-banking/features-services/online-banking/) - [Lending](https://www.memberspluscu.org/lending/) - [Consumer Loans](https://www.memberspluscu.org/lending/#outline-panel-1) - [Auto Loans](https://www.memberspluscu.org/lending/consumer-loans/vehicle-loans/) - [HEAT Loan](https://www.memberspluscu.org/lending/consumer-loans/heat-loan-2/) - [GAP Protection](https://www.memberspluscu.org/gap-protection/) - [Open End Line of Credit](https://www.memberspluscu.org/lending/consumer-loans/open-end-line-of-credit/) - [Personal Loans](https://www.memberspluscu.org/lending/consumer-loans/personal-loans/) - [Secured Consumer Loans](https://www.memberspluscu.org/lending/consumer-loans/secured-loans/) - [Apply for a Loan](https://www.memberspluscu.org/lending/#outline-panel-1) - [Rates](https://www.memberspluscu.org/rates/) - [Mortgages & Home Equity](https://www.memberspluscu.org/lending/#outline-panel-2) - [Mortgages](https://www.memberspluscu.org/lending/mortgages-home-equity/mortgages/) - [First Time Homebuyer](https://www.memberspluscu.org/lending/mortgages-home-equity/first-time-homebuyer/) - [Adjustable Rate Mortgage](https://www.memberspluscu.org/lending/mortgages-home-equity/adjustable-rate-mortgage/) - [Home Equity Line of Credit](https://www.memberspluscu.org/lending/mortgages-home-equity/home-equity-line-of-credit/) - [Fixed Rate Home Equity](https://www.memberspluscu.org/lending/mortgages-home-equity/fixed-rate-home-equity/) - [Home Improvement Loans](https://www.memberspluscu.org/home-improvement-loans/) - [Rates](https://www.memberspluscu.org/rates/#mortgages-and-home-equity-loans) - [Apply for a Mortgage](https://memberspluscu.mymortgage-online.com/?loanapp&siteid=1333616606&lar=jkirby&workFlowId=84075) - [Apply for a HELOC](https://memberspluscu.mymortgage-online.com/?loanapp&siteid=1333616606&lar=jkirby&workFlowId=85905) - [Learn More](https://www.memberspluscu.org/lending/#outline-panel-1) - 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[Insurance](https://www.memberspluscu.org/trustage-insurance/) - [Contact Us](https://www.memberspluscu.org/about/contact-us/) - [Membership](https://www.memberspluscu.org/membership/) - [Become a Member](https://www.memberspluscu.org/membership/) - [Member Testimonials](https://www.memberspluscu.org/member-testimonials-2/) - [Frequently Asked Questions](https://www.memberspluscu.org/about/frequently-asked-questions/) - [Fee Schedule](https://www.memberspluscu.org/about/fee-schedule/) - [Welcome, Winchester!](https://www.memberspluscu.org/winchester/) - [News](https://www.memberspluscu.org/news/) - [Friends + Family](https://www.memberspluscu.org/friends-family/) - [Fraud + Resources](https://www.memberspluscu.org/security-financial-fraud/) - [Alerts](https://www.memberspluscu.org/alerts/) - [Newsletters](https://www.memberspluscu.org/newsletters-credit-union-updates/) - [Rates](https://www.memberspluscu.org/rates/) - [Branches](https://www.memberspluscu.org/find-a-branch/) # Blog - [About](https://www.memberspluscu.org/about) - \> - **Blog** - [About](https://www.memberspluscu.org/about) - [Holiday Closings](https://www.memberspluscu.org/about/holiday-closings) - [Annual Scholarships](https://www.memberspluscu.org/about/annual-scholarships) - [Blog](https://www.memberspluscu.org/about/blog/) - [Mission Statement](https://www.memberspluscu.org/about/mission-statement) - [Our Team](https://www.memberspluscu.org/about/our-team) - [Frequently Asked Questions](https://www.memberspluscu.org/about/frequently-asked-questions) - [Contact Us](https://www.memberspluscu.org/about/contact-us) - [Employment](https://www.memberspluscu.org/about/employment) - [Company](https://www.memberspluscu.org/about/company) - [Hours and Locations](http://memberspluscu.org/find-a-branch) - [Fee Schedule](https://www.memberspluscu.org/about/fee-schedule) - [Employment Application](https://www.memberspluscu.org/about/employment-application) #### Welcome To Online Banking [Account Login](https://www.memberspluscuonline.org/tob/live/usp-core/app/login/consumer) [Enroll: Online Banking](https://www.memberspluscuonline.org/tob/live/usp-core/app/register) [Enroll: Online Banking](https://www.memberspluscuonline.org/tob/live/usp-core/app/register) ## Our Blog Welcome to the Members Plus Credit Union blog! We will be providing you with tips, helpful information, financial advice as well as letting you in on our opinion! We hope you find the articles below not only helpful but interesting! --- [![10 Small Money Habits That Can Make a Big Difference Over Time](https://blog.memberspluscu.org/hubfs/young-beautiful-hispanic-woman-home-sitting-sofa-living-room-with-green-wall-smiling%20(1).jpg "10 Small Money Habits That Can Make a Big Difference Over Time")](https://blog.memberspluscu.org/10-small-money-habits-that-can-make-a-big-difference-over-time) ### [10 Small Money Habits That Can Make a Big Difference Over Time](https://blog.memberspluscu.org/10-small-money-habits-that-can-make-a-big-difference-over-time) #### Oct 28th, 2026 Small money habits, like automating savings, tracking net worth, and reviewing subscriptions, do more for long term financial wellness than any single big decision. Consistency, not intensity, turns modest choices into meaningful results. [Read More](https://blog.memberspluscu.org/10-small-money-habits-that-can-make-a-big-difference-over-time) --- [![Corporate Account Takeover: The Fraud That Looks Like Business as Usual](https://blog.memberspluscu.org/hubfs/protection-concept-with-lock-1.jpg "Corporate Account Takeover: The Fraud That Looks Like Business as Usual")](https://blog.memberspluscu.org/corporate-account-takeover-the-fraud-that-looks-like-business-as-usual) ### [Corporate Account Takeover: The Fraud That Looks Like Business as Usual](https://blog.memberspluscu.org/corporate-account-takeover-the-fraud-that-looks-like-business-as-usual) #### Oct 14th, 2026 Most business owners picture fraud as something obvious, like a suspicious email full of typos or a scam call asking for gift cards. Corporate account takeover looks nothing like that. It looks like a normal login, a normal approval, and a normal transaction, right up until the money is gone. [Read More](https://blog.memberspluscu.org/corporate-account-takeover-the-fraud-that-looks-like-business-as-usual) --- [![Good Debt vs. Bad Debt: Is All Debt Really Bad?](https://blog.memberspluscu.org/hubfs/young-beautiful-hispanic-woman-home-sitting-sofa-living-room-with-green-wall-smiling.jpg "Good Debt vs. Bad Debt: Is All Debt Really Bad?")](https://blog.memberspluscu.org/good-debt-vs.-bad-debt-is-all-debt-really-bad) ### [Good Debt vs. Bad Debt: Is All Debt Really Bad?](https://blog.memberspluscu.org/good-debt-vs.-bad-debt-is-all-debt-really-bad) #### Sep 30th, 2026 Understanding Good Debt vs. Bad Debt We all have some sort of debt that ranges from credit cards and auto financing to home mortgages and student loans. While some debt is inevitable, it is important to know that all debt is not created equal, and it is important to know the difference between good... [Read More](https://blog.memberspluscu.org/good-debt-vs.-bad-debt-is-all-debt-really-bad) --- [![Compound Interest Explained: The Secret to Growing Your Money](https://blog.memberspluscu.org/hubfs/outdoor-portrait-lovely-stylish-girl-with-curls-wearing-green-shirt-using-smartphone-with-smile-carefree-young-caucasian-girl-is-using-modern-smartphone-standing-outdoors.jpg "Compound Interest Explained: The Secret to Growing Your Money")](https://blog.memberspluscu.org/compound-interest-explained-the-secret-to-growing-your-money) ### [Compound Interest Explained: The Secret to Growing Your Money](https://blog.memberspluscu.org/compound-interest-explained-the-secret-to-growing-your-money) #### Sep 2nd, 2026 When it comes to growing your money, understanding compound interest and how it works can give you an insight into how to effectively increase your savings over time. With more knowledge and a savvy plan, this concept can be essential for long-term growth and can help shape your way for financial... [Read More](https://blog.memberspluscu.org/compound-interest-explained-the-secret-to-growing-your-money) --- [![Still Using a Basic Savings Account? Meet the Money Market Account](https://blog.memberspluscu.org/hubfs/mother-teaching-her-daughter-about-savings.jpg "Still Using a Basic Savings Account? Meet the Money Market Account")](https://blog.memberspluscu.org/still-using-a-basic-savings-account-meet-the-money-market-account-1) ### [Still Using a Basic Savings Account? Meet the Money Market Account](https://blog.memberspluscu.org/still-using-a-basic-savings-account-meet-the-money-market-account-1) #### Aug 19th, 2026 If you are still using a basic savings account, it may be time to consider making the move to a Money Market Account with MPCU to better meet your needs… and for a better return on your money! [Read More](https://blog.memberspluscu.org/still-using-a-basic-savings-account-meet-the-money-market-account-1) --- [![How Can You Save Money on Back-to-School Shopping Without the Stress?](https://blog.memberspluscu.org/hubfs/book-with-green-board-background.jpg "How Can You Save Money on Back-to-School Shopping Without the Stress?")](https://blog.memberspluscu.org/how-can-you-save-money-on-back-to-school-shopping-without-the-stress) ### [How Can You Save Money on Back-to-School Shopping Without the Stress?](https://blog.memberspluscu.org/how-can-you-save-money-on-back-to-school-shopping-without-the-stress) #### Aug 5th, 2026 It’s that time again when families are preparing for the end of summer and kids will soon be headed back to school. With the rising cost of back-to-school shopping, a little planning can really help families reduce financial stress while building healthier money habits for the future. We’ve... [Read More](https://blog.memberspluscu.org/how-can-you-save-money-on-back-to-school-shopping-without-the-stress) --- [![5 Money Skills Everyone Should Master](https://blog.memberspluscu.org/hubfs/women-with-coffee-cups-looking-mobile.jpg "5 Money Skills Everyone Should Master")](https://blog.memberspluscu.org/5-money-skills-everyone-should-master) ### [5 Money Skills Everyone Should Master](https://blog.memberspluscu.org/5-money-skills-everyone-should-master) #### Jul 22nd, 2026 Financial Literacy: 5 Money Skills Everyone Should Master Of all the life skills necessary for success, money skills are definitely at the top of the list. Financial literacy is necessary for making good decisions for yourself, your family, and your future, so it’s important to understand and be... [Read More](https://blog.memberspluscu.org/5-money-skills-everyone-should-master) --- [![Your First Car: What to Know Before You Buy](https://blog.memberspluscu.org/hubfs/shallow-focus-shot-handsome-spanish-caucasian-man-sitting-wheel-modern-car.jpg "Your First Car: What to Know Before You Buy")](https://blog.memberspluscu.org/your-first-car-what-to-know-before-you-buy) ### [Your First Car: What to Know Before You Buy](https://blog.memberspluscu.org/your-first-car-what-to-know-before-you-buy) #### Jul 8th, 2026 There are few purchases that feel as significant as buying your first car. [Read More](https://blog.memberspluscu.org/your-first-car-what-to-know-before-you-buy) --- [![Budgeting Hacks That Save You Time, Money, and Stress](https://blog.memberspluscu.org/hubfs/attractive-young-woman-using-smart-phone-smiling-while-sitting-window-sill-home.jpg "Budgeting Hacks That Save You Time, Money, and Stress")](https://blog.memberspluscu.org/budgeting-hacks-that-save-you-time-money-and-stress) ### [Budgeting Hacks That Save You Time, Money, and Stress](https://blog.memberspluscu.org/budgeting-hacks-that-save-you-time-money-and-stress) #### Jun 10th, 2026 The best and easiest way to build a solid foundation for your personal finances is via good budgeting habits…and the sooner, the better! It may seem like a chore sometimes to stay on task when it comes to money and budgeting, but even small, realistic changes and efforts can go a long way, making... [Read More](https://blog.memberspluscu.org/budgeting-hacks-that-save-you-time-money-and-stress) --- [![The Silent Threat: How Account Takeovers Happen and How to Stop Them](https://blog.memberspluscu.org/hubfs/beautiful-african-girl-smiling-looking-phone-sitting-cafe-shot-from-outside.jpg "The Silent Threat: How Account Takeovers Happen and How to Stop Them")](https://blog.memberspluscu.org/the-silent-threat-how-account-takeovers-happen-and-how-to-stop-them) ### [The Silent Threat: How Account Takeovers Happen and How to Stop Them](https://blog.memberspluscu.org/the-silent-threat-how-account-takeovers-happen-and-how-to-stop-them) #### May 27th, 2026 Online theft is a huge concern in today’s technology-driven world. Cybercriminals are on the hunt for unsuspecting victims and unfortunately, this theft, called account takeover fraud, is becoming a common trend these days. Account takeover fraud occurs when a cybercriminal gains unauthorized... [Read More](https://blog.memberspluscu.org/the-silent-threat-how-account-takeovers-happen-and-how-to-stop-them) --- [1](https://blog.memberspluscu.org/author/members-plus-credit-union/page/1) [2](https://blog.memberspluscu.org/author/members-plus-credit-union/page/2) [3](https://blog.memberspluscu.org/author/members-plus-credit-union/page/3) [4](https://blog.memberspluscu.org/author/members-plus-credit-union/page/4) [5](https://blog.memberspluscu.org/author/members-plus-credit-union/page/5) [❯](https://blog.memberspluscu.org/author/members-plus-credit-union/page/2) [❯❯](https://blog.memberspluscu.org/author/members-plus-credit-union/page/5) Questions about MembersPlus? 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