Pathways to Financial Wellness

Insurance is one of those things most people set and forget…until something goes wrong. Life changes faster than policies do, and many people don’t realize their insurance costs can quietly increase year over year. Even small premium increases across multiple policies can add up to hundreds of dollars annually without adding any new benefits. Use this quick checklist to help you avoid gaps in coverage, unexpected costs, or paying for what you don’t need.

If someone you trust has offered to add you to their credit card as an authorized user, you might be wondering if it’s a smart shortcut to a better credit score. The short answer: it can be, but it’s not a decision to make lightly. Here’s what actually happens when you become an authorized user to build credit and how to decide if it’s the right move for you.

"Our goal was simple: help our members keep more of their hard-earned money," said Jeff Goff, CEO of WSSC Federal Credit Union. "By lowering the average refinance rate, returning nearly $10,000 in cash-back rebates, and helping members save more than $153,000 in projected interest, this campaign delivered meaningful financial relief when our members needed it most."

A common scam involves the caller claiming there’s suspicious activity on your debit card. They may ask for your full debit card number and then say they’re sending you a text message to “verify” or “close” your card. That text often contains a security code the scammer wants you to share. Here’s the important thing to remember: WSSC FCU will never call and ask for your full debit card number, PIN, or security verification codes by text.

Every month, many of us automatically pay for the things we enjoy. Streaming services. Music. Meal kits. Fitness apps. Cloud storage. These subscriptions make life more convenient, and because they're automatic, we rarely think twice about them. But here's a question: What if you created one automatic subscription that benefited your future?

For those with a higher utilization rate, paying down your balance can really pay off. Do one thing: If you have higher than 30% credit utilization, start chipping away at your debt to get it below that important mark.