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Financial Foundations

12 steps 71 minutes

Understand the basics of some key financial concepts.

Small Business Essentials

6 steps 33 minutes

Understand the financial basics of managing a small business.

Financial Caregiving

6 steps 32 minutes

Learn more about the responsibilities of caring for another person's finances.

Investing in Your Future

12 steps 71 minutes

Learn how to be more financially prepared in the years ahead.

Owning a Home

8 steps 53 minutes

Explore the benefits and costs of buying and owning a home.

Preparing for Retirement

17 steps 113 minutes

Learn how you should prepare for an eventual retirement.

Building Financial Capability

13 steps 91 minutes

Learn how to manage your money and avoid financial dangers.

Healthcare Finances

6 steps 32 minutes

Understand how to manage your finances when dealing with healthcare issues.

Financing Higher Education

7 steps 38 minutes

Learn about financing higher education, preparing for graduation, and beginning a career.

Investor Education

8 steps 60 minutes

Whether you're just starting out or an experienced investor, explore more about investing, the markets, diversification and risk.

Starting My Business Pathway

7 steps 39 minutes

This pathway guides you step-by-step through the financial foundations of starting a business, from budgeting and banking basics to estimating startup costs and planning your next steps.

Reaching My Savings Goal Pathway

7 steps 32 minutes

This pathway supports you in choosing a savings goal that fits your life and creating a simple, practical plan to achieve it with confidence.

Preparing for Homeownership Pathway

7 steps 40 minutes

This pathway guides you step-by-step through the process of preparing to buy a home, helping you understand budgeting, credit, and mortgage readiness so you can take confident next steps toward homeownership.

Building My Emergency Savings Pathway

6 steps 36 minutes

This pathway guides you step-by-step through building a personalized emergency savings plan to ensure financial security in times of need.

Lowering My Debt Pathway

6 steps 39 minutes

This pathway walks you through step-by-step to create a personalized debt repayment strategy, helping you manage and reduce your debt for long-term financial stability.

Creating My Budget Pathway

7 steps 36 minutes

This pathway guides you through creating a budget, helping ensure you cover your expenses each month while building a budget surplus.

Is a Home Equity Investment worth it?

11/19/2025 Terry Inskip

Home Equity Investment vs. HELOC: What you need to know before you tap your home's value.

How does OAS FCU insure your deposits?

09/26/2025 Terry Inskip

If you have ever wondered whether all your savings are protected by deposit insurance at the Credit Union, you're not alone.

How to send money with Zelle® safely

03/14/2025 Terry Inskip

Zelle® is a fast, safe and easy way to send and receive money with people you trust, like your babysitter, coworkers, fellow PTA mom, or your son's soccer coach. Whether you just enrolled with Zelle® or have been an active user for a while, there are a few tips you should always keep in mind to ensure you are being safe when sending money.

What they're up to - Impersonating OAS FCU on social media!

02/21/2025 Terry Inskip

We publish this extra issue of the blog as a security warning to our members and any consumers that may find themselves affected.

Exclusive scholarships for OAS FCU members and their families for 2026

02/07/2025 Terry Inskip

Members of OAS FCU who are studying for their undergraduate degrees or attending trade school in the US have the chance to participate in a select scholarship opportunity.

Important Social Security Updates for Retirees in 2025

01/16/2025 Terry Inskip

As we welcome 2025, big changes to Social Security will impact retirees and those nearing retirement. Staying informed is key to maximizing your benefits and planning for financial stability in your golden years. Whether you're already drawing Social Security or preparing to apply, here's what you should know.

OAS FCU's Sustainable Journey: 2024 update

11/20/2024 Terry Inskip

A journey towards responsible practices for a healthier planet.

About the SSN data breach

08/30/2024 Terry Inskip

A massive data breach has compromised the information of millions of people in the US and abroad.

Financial matters for couples moving in together

04/26/2024 Terry Inskip

This first of a series of articles focuses on financial matters for couples planning to move in together.

Hidden Savings: Commonly overlooked tax deductions

03/06/2024 Terry Inskip

Our partner GreenPath has published a helpful article on tax deductions that most people tend to forget, and that could save you money.

Elder financial abuse, part II

12/11/2023 Terry Inskip

This second post on the topic of senior financial abuse is directed at you, our elders.

Elder financial abuse, part I

12/01/2023 Terry Inskip

When elder financial abuse comes from those who are closest to their victim.

Our Earth Day

04/21/2023 Terry Inskip

April 22 is Earth Day, the day we show our support for the environment. Here's how you can do your bit!

Tax Identity Theft – 9 tips to help you avoid it

01/30/2023 Terry Inskip

Because tax identity theft starts the same day as tax season.

6 steps to prevent child identity theft

10/21/2022 Terry Inskip

For National Cybersecurity Awareness Month, we want to bring your attention to the risk of child identity theft, something that often goes unnoticed because of their age and lack of credit use.

A significant award

05/25/2022 Terry Inskip

Our outstanding job of offering home loans to members in 2021 is being recognized with an important award.

Rain gardens

04/12/2022 Terry Inskip

This trending term in the environmental world, rain gardens provide a modern solution to a common problem: excess water.

The creative economy

01/19/2022 Terry Inskip

Our latest issue on the series on the lesser-known economic models analyzes the creative economy.

Sustainable fall savings tips - 2025 edition

09/28/2021 Terry Inskip

Autumn is the season of cozy sweaters and warm drinks. It's also the season when the holiday spending season starts. As you prepare for colder months and the holiday rush, it's the perfect time to make small changes that warm your home, lighten your bills, and reduce your environmental impact.

All about EVs

08/04/2021 Terry Inskip

Electric vehicles (or EVs) will save you money and help the planet.

Ethical investing

06/24/2021 Terry Inskip

What happens to investing when people start caring?

Cybersecurity alert: credential stuffing

04/06/2021 Terry Inskip

Why reusing login credentials on a variety of webpages is a very bad idea.

Definitions in personal finance and investment: Short sale

02/04/2021 Terry Inskip

We explain a stock market investment practice that has been making the news recently: short sales.

Virtual appointments with OAS FCU

02/01/2021 Terry Inskip

Here's how to use the new virtual appointment service from the Credit union.

All about us

12/21/2020 Terry Inskip

It turns out we're so cool, we're the object of study!

The green economy

09/29/2020 Terry Inskip

An economic model for a better world.

The Global Goals, everyone's chance for a better tomorrow

07/06/2020 Terry Inskip

The Sustainable Development Goals are a path to ensure everyone a safe, healthy future on earth. Making them a reality is up to each one of us.

On the importance of voting

06/01/2020 Terry Inskip

Democratic elections are key to a credit union's success. OAS FCU needs our help.

Between banks and credit unions: 6 fundamental differences

05/12/2020 Terry Inskip

The same financial services, different core values.

Plastics and our planet

03/10/2020 Terry Inskip

Every one of us can make small changes to reduce plastic waste.

Dreaming of a green Christmas in 2025

12/17/2019 Terry Inskip

Our best ideas to make this your most sustainable holiday season yet!

12 tips for saving (on your holiday expenses)

12/09/2019 Terry Inskip

Because holiday expenses shouldn't gobble up your budget.

The Holiday Club Account

11/29/2019 Terry Inskip

The perfect way to save for the winter holidays.

OAS FCU payments: the ABA, MICR and BIC numbers

10/22/2019 Terry Inskip

Three banking codes that will help you move money around the world.

The cost of living

09/03/2019 Terry Inskip

William Simon, U.S. Treasurer in the 70s, used to say that Americans had a love-hate relationship with inflation. We hated it, but we loved everything that caused it. Learn about the cost of living, the CPI, and how they determine the state of the economy.

About that crazy inverted yield curve

08/15/2019 Terry Inskip

Recently in the news there's been a lot of chatter about the “crazy inverted yield curve”. As it’s a much talked-about economic topic, we wanted to explain this inverted yield curve, why it happens and what it means for the economy.

Eight financial concepts everyone should master by age 30

08/05/2019 Terry Inskip

'Personal finance' as a subject can sound intimidating. However, the reality of it is very common sense. As soon as you grasp a few money management basics, you're set for life. And once you apply them, you will prosper.

All you need to know about travel insurance

07/05/2019 Terry Inskip

Who doesn't like to travel for their holidays? Going someplace far to see discover faraway places, to relax at the beach; or maybe to visit the family. Either way, it helps to know about travel insurance. It will save you money and help your mental wellness overall.

Home buying 101: making sure you get to closing

06/18/2019 Terry Inskip

One reason why home buying can get derailed is that the lender denies the mortgage after giving the initial approval. Specific factors can cause the initial evaluation to pass, but not the second, and today we’ll explain how you can avoid having that happen to you.

21 wedding presents for guests on a budget

06/04/2019 Terry Inskip

For many people, going to weddings is a chance to rejoice for the happiness of people that have found each other, see old friends and relatives, and have a nice day out overall. For others, weddings can cause a bit of stress. Travel expenses, wardrobe and gifts can add up quick. Today we bring to you some thoughtful wedding gift ideas that will help you keep your budget intact.

Carlos Calderon wins NAFCU's 2019 CEO of the Year Award

05/16/2019 Terry Inskip

We have great news! Our President and CEO of OAS FCU has won the highly coveted CEO of the Year Award, granted by the National Association of Federal Credit Unions (NAFCU).

College financing beyond FAFSA

05/06/2019 Terry Inskip

It's graduation time. Seniors in high schools all over the U.S. are soon moving on to higher education. Everyone is looking at filing their FAFSA. And you're looking at how to pay for it all. Here's a handy guide to help you find more about other types of college financing that FAFSA doesn't include.

Work zen: organizing your work space

04/22/2019 Terry Inskip

Every one of us spends more time at work than at home. If having a clean and organized home is important to us, it becomes obvious that having a tidy office will help us work better, too.

It IS possible to save while in college (and here's how!)

04/22/2019 Terry Inskip

Traditionally, college life is one that alternates between extremes: excess and brokenness. Somewhere between the two, there is a way to learn and start saving during your college years.

OAS FCU and the credit union principles: #6, cooperation among cooperatives

02/13/2019 Terry Inskip

All cooperatives around the world follow seven basic principles. As a cooperative, our credit union does, too. That's why today we're going to tell you about OAS FCU's efforts in the sixth principle: cooperation among cooperatives.

Definitions in personal finance and investment: Bonds

02/01/2019 Terry Inskip

Whenever you hear about portfolio diversification, the types of investments mentioned always include bonds. We explain what they are, how they work, and why (and when) bonds are a good option to buy.

The path to success

01/10/2019 Terry Inskip

Today we introduce a new tool to help you be better informed about the important stuff in your financial life.

5 steps to your financial fitness

12/31/2018 Terry Inskip

Because January starts it all: your taxes

When there's a mistake on your credit report

12/26/2018 Terry Inskip

Errors on your credit file can be costly. Here's what you need to look for, and how to fix any mistakes that you find.

Random acts of kindness

11/11/2018 Terry Inskip

Every year, on November 13, it’s World Kindness Day. It’s the one day of the year in which we are asked to overlook borders, race, beliefs, age, and gender—and simply make one or more random acts of kindness toward other human beings. Your action becomes your personal declaration of kindness to the world.

The gig economy

10/30/2018 Terry Inskip

When finding stable employment becomes hard, many think that turning to gig-economy options can be the solution to having stable income. However, this type of employment comes at a cost.

Definitions in personal finance and investment: Rates, yields, and compound interest

10/20/2018 Terry Inskip

"Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it."

Definitions in personal finance and investment: Real estate purchase and lending terms

10/04/2018 Terry Inskip

Following is a list of terms related to the process of purchasing a home, mortgages and refinancing.

Definitions in personal finance and investment: Common terms in finance and banking

10/04/2018 Terry Inskip

Since this is Financial Literacy Month, I bring you a series of personal finance and banking terms that everyone should know.

The circular economy

10/04/2018 Terry Inskip

The circular economy orbits around the common goal of sustainable development, in order to ensure the wellbeing of our planet and its inhabitants.

The sharing economy

10/04/2018 Terry Inskip

The sharing economy refers to the ability to bring services, products and items peer to peer via online platforms or apps designed to do this.

The account holder, the thief, his wife and her lover

10/04/2018 Terry Inskip

The title of a bizarre Peter Greenaway film serves well to illustrate the confusing nature of account designations.

About credit reports: How to build credit

10/04/2018 Terry Inskip

There is a specific way to build credit; your credit report, history, and score all depend on a few things.

About credit reports

10/04/2018 Terry Inskip

Many members of OAS Staff FCU join the credit union because it allows them to open accounts in the United States, which would be near impossible to accomplish via a bank. It also helps establish a credit report and history, which can open many doors later in life.

Personal Budgets: Making your own personal budget

10/04/2018 Terry Inskip

It’s time to make your current personal budget.