--- title: Blog (2) description: Read our latest blogs and stay up to date on your financial know how. (2) --- [![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/) - [Certificates of Deposit (CD)](https://www.memberspluscu.org/personal-banking/products-solutions/certificate-of-deposit/) - 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[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! --- [![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) --- [![Saving for a House Is Hard: Here's How to Actually Do It](https://blog.memberspluscu.org/hubfs/happy-woman-hands-new-home-with-keys-boxes-property-investment-moving-female-person-homeowner-tenant-with-smile-packages-access-relocation-rent-mortgage-house.jpg "Saving for a House Is Hard: Here's How to Actually Do It")](https://blog.memberspluscu.org/saving-for-a-house-is-hard-heres-how-to-actually-do-it) ### [Saving for a House Is Hard: Here's How to Actually Do It](https://blog.memberspluscu.org/saving-for-a-house-is-hard-heres-how-to-actually-do-it) #### Apr 29th, 2026 Why Saving for a House Takes Planning Buying a home is an exciting experience! It is also the largest purchase most people will make in their lifetime, so it is understandable why a home purchase takes a lot of planning, saving, and preparation. This is true not only for the actual purchase, but... [Read More](https://blog.memberspluscu.org/saving-for-a-house-is-hard-heres-how-to-actually-do-it) --- [![Debt, Savings, or Both? How to Prioritize Without Losing Sleep](https://blog.memberspluscu.org/hubfs/asian-business-man-person-freelance-businessman-working-coworking-space-cafe.jpg "Debt, Savings, or Both? How to Prioritize Without Losing Sleep")](https://blog.memberspluscu.org/debt-savings-or-both-how-to-prioritize-without-losing-sleep) ### [Debt, Savings, or Both? How to Prioritize Without Losing Sleep](https://blog.memberspluscu.org/debt-savings-or-both-how-to-prioritize-without-losing-sleep) #### Apr 15th, 2026 Blog Highlights Choosing whether to focus on debt or savings first depends on your income stability, interest rates, and overall financial goals. Paying down high interest debt can improve cash flow and reduce long term interest costs, while building savings creates a financial safety net for... [Read More](https://blog.memberspluscu.org/debt-savings-or-both-how-to-prioritize-without-losing-sleep) --- [![Financial Planning for Life’s Major Milestones](https://blog.memberspluscu.org/hubfs/happy-pretty-lady-talking-phone-city-park.jpg "Financial Planning for Life’s Major Milestones")](https://blog.memberspluscu.org/financial-planning-for-lifes-major-milestones) ### [Financial Planning for Life’s Major Milestones](https://blog.memberspluscu.org/financial-planning-for-lifes-major-milestones) #### Mar 25th, 2026 Blog Highlights [Read More](https://blog.memberspluscu.org/financial-planning-for-lifes-major-milestones) --- [![Budget-Friendly Solutions for Navigating Financial Hardships](https://blog.memberspluscu.org/hubfs/business-woman-working-by-using-calculator.jpg "Budget-Friendly Solutions for Navigating Financial Hardships")](https://blog.memberspluscu.org/budget-friendly-solutions-for-navigating-financial-hardships) ### [Budget-Friendly Solutions for Navigating Financial Hardships](https://blog.memberspluscu.org/budget-friendly-solutions-for-navigating-financial-hardships) #### Mar 11th, 2026 Blog Highlights Stability: Learn how to reorganize your finances, prioritize essentials, and free up cash quickly during unexpected financial challenges. Savings: Discover practical ways to cut everyday costs, budget smarter, and build consistent money habits that support long-term stability. [Read More](https://blog.memberspluscu.org/budget-friendly-solutions-for-navigating-financial-hardships) --- [![Keeping Seniors Safe: How to Outsmart Financial Scammers](https://blog.memberspluscu.org/hubfs/old-women-balcony-with-coffee.jpg "Keeping Seniors Safe: How to Outsmart Financial Scammers")](https://blog.memberspluscu.org/keeping-seniors-safe-how-to-outsmart-financial-scammers) ### [Keeping Seniors Safe: How to Outsmart Financial Scammers](https://blog.memberspluscu.org/keeping-seniors-safe-how-to-outsmart-financial-scammers) #### Feb 25th, 2026 Why Seniors Are a Common Target Financial scams are on the rise in the U.S. and, unfortunately, senior citizens are a prime target due to theirfinancial stability, trusting nature, and possible cognitive decline. These financial scammers are definitely on the prowl trying to take advantage of... [Read More](https://blog.memberspluscu.org/keeping-seniors-safe-how-to-outsmart-financial-scammers) --- [![Home Buying That Doesn’t Stress You Out In 8 Steps](https://blog.memberspluscu.org/hubfs/young-family-moving-into-new-home.jpg "Home Buying That Doesn’t Stress You Out In 8 Steps")](https://blog.memberspluscu.org/home-buying-that-doesnt-stress-you-out-in-8-steps) ### [Home Buying That Doesn’t Stress You Out In 8 Steps](https://blog.memberspluscu.org/home-buying-that-doesnt-stress-you-out-in-8-steps) #### Feb 11th, 2026 Blog Highlights [Read More](https://blog.memberspluscu.org/home-buying-that-doesnt-stress-you-out-in-8-steps) --- [![How to Use Your Tax Refund to Level Up Your Finances](https://blog.memberspluscu.org/hubfs/beautiful-young-female-with-hair-bun-holding-generic-smart-phone-checking-newsfeed-social-media.jpg "How to Use Your Tax Refund to Level Up Your Finances")](https://blog.memberspluscu.org/how-to-use-your-tax-refund-to-level-up-your-finances) ### [How to Use Your Tax Refund to Level Up Your Finances](https://blog.memberspluscu.org/how-to-use-your-tax-refund-to-level-up-your-finances) #### Jan 28th, 2026 Blog Highlights [Read More](https://blog.memberspluscu.org/how-to-use-your-tax-refund-to-level-up-your-finances) --- [![The Hidden College Costs No One Warns You About](https://blog.memberspluscu.org/hubfs/beautiful-curly-female-student-holds-notebook-digital-tablet-takeaway-coffee-focused-into-distance-poses-urban-setting-wears-casual-clothes-poses-busy-street-being-way-university.jpg "The Hidden College Costs No One Warns You About")](https://blog.memberspluscu.org/the-hidden-college-costs-no-one-warns-you-about) ### [The Hidden College Costs No One Warns You About](https://blog.memberspluscu.org/the-hidden-college-costs-no-one-warns-you-about) #### Jan 7th, 2026 Blog Highlights How to Spot Hidden College Costs: Learn about common expenses that often get overlooked, from off-campus housing fees to transportation and daily living costs. Simple Strategies to Cut Spending: Learn practical ways to save money, including affordable housing tips, meal planning... [Read More](https://blog.memberspluscu.org/the-hidden-college-costs-no-one-warns-you-about) --- [![Unpacking the Costs of Your First Apartment: What TikTok Didn’t Tell You](https://blog.memberspluscu.org/hubfs/crop-close-up-female-tenant-renter-show-praise-house-keys-moving-first-own-new-apartment-house-happy-woman-owner-buy-purchase-home-relocate-dwelling-rental-rent-ownership-concept.jpg "Unpacking the Costs of Your First Apartment: What TikTok Didn’t Tell You")](https://blog.memberspluscu.org/unpacking-the-costs-of-your-first-apartment-what-tiktok-didnt-tell-you) ### [Unpacking the Costs of Your First Apartment: What TikTok Didn’t Tell You](https://blog.memberspluscu.org/unpacking-the-costs-of-your-first-apartment-what-tiktok-didnt-tell-you) #### Dec 10th, 2025 Unpacking the Costs of Your First Apartment: What TikTok Didn’t Tell You Blog Highlights [Read More](https://blog.memberspluscu.org/unpacking-the-costs-of-your-first-apartment-what-tiktok-didnt-tell-you) --- [❮](https://blog.memberspluscu.org/page/1) [1](https://blog.memberspluscu.org/page/1) [2](https://blog.memberspluscu.org/page/2) [3](https://blog.memberspluscu.org/page/3) [4](https://blog.memberspluscu.org/page/4) [5](https://blog.memberspluscu.org/page/5) [❯](https://blog.memberspluscu.org/page/3) [❯❯](https://blog.memberspluscu.org/page/5) Questions about MembersPlus? 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