--- title: Hanscom FCU MoneyWisdom Blog (9) description: Hanscom Federal Credit Union offers free financial education for our members and as an employee benefit for our business partners. Our mission is to help our members become MoneyWiser. Get tips, worksheets and information to help you achieve a balanced budget, save money and plan for your retirement. (9) --- [![MoneyWisdom_HFCU_r2](https://go.hfcu.org/hs-fs/hubfs/MoneyWisdom_HFCU_r2.png?width=464&name=MoneyWisdom_HFCU_r2.png "MoneyWisdom_HFCU_r2")](https://go.hfcu.org/blog) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - [Personal Finance](https://go.hfcu.org/blog/topic/personal-finance) - [Auto](https://go.hfcu.org/blog/topic/auto) - [Business](https://go.hfcu.org/blog/topic/business) - [Credit Score](https://go.hfcu.org/blog/topic/credit-score) - [Home](https://go.hfcu.org/blog/topic/home) - [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards) - [Life Changes](https://go.hfcu.org/blog/topic/life-changes) - [Insurance](https://go.hfcu.org/blog/topic/insurance) - [Investments](https://go.hfcu.org/blog/topic/investments) Filter by Category** - [Show All](https://go.hfcu.org/blog) - [Security](https://go.hfcu.org/blog/topic/security) - [Personal Finance](https://go.hfcu.org/blog/topic/personal-finance) - [Auto](https://go.hfcu.org/blog/topic/auto) - [Business](https://go.hfcu.org/blog/topic/business) - [Credit Score](https://go.hfcu.org/blog/topic/credit-score) - [Home](https://go.hfcu.org/blog/topic/home) - [Credit Cards](https://go.hfcu.org/blog/topic/credit-cards) - [Life Changes](https://go.hfcu.org/blog/topic/life-changes) - [Insurance](https://go.hfcu.org/blog/topic/insurance) - [Investments](https://go.hfcu.org/blog/topic/investments) ![woman on steps](https://go.hfcu.org/hubfs/woman%20on%20steps.png) ## Crush Lifestyle Creep ### Protect your financial future [Learn more](https://go.hfcu.org/blog/avoid-lifestyle-creep) ![romantic couple sitting on park bench looking at each other](https://go.hfcu.org/hubfs/older%20couple%20in%20love%20blog%20banner.png) ## Romance Scams ### Are you vulnerable to the latest ones? [Learn More](https://go.hfcu.org/blog/how-to-avoid-a-romance-scam) ![man and woman in new home celebrating with champagne](https://go.hfcu.org/hubfs/Blog%20Banners%201900%20x%20800px.png) ## Celebrate the Move! ### Our No-Money-Down Mortgage can help [Read more here](https://go.hfcu.org/blog/introducing-hanscom-fcus-no-money-down-mortgage) ![restaurant owners](https://go.hfcu.org/hubfs/restaurant%20owners.jpg) ## Reach Your Goals ### A business loan can help get you there [Read more](https://go.hfcu.org/blog/bid/156108/what-is-the-best-way-to-get-a-small-business-loan) ![blond woman walking with tablet and coffee cup in hand](https://go.hfcu.org/hubfs/Blog%20Banners%201900%20x%20800px%20(20).jpg) ## Share Certificates ### Earn a better rate on your savings [Learn More](https://go.hfcu.org/blog/share-certificate) ### Posts by Topic - [Personal Finance (262)](https://go.hfcu.org/blog/topic/personal-finance) - [Home (164)](https://go.hfcu.org/blog/topic/home) - [Life Changes (109)](https://go.hfcu.org/blog/topic/life-changes) - [Credit Cards (92)](https://go.hfcu.org/blog/topic/credit-cards) - [Security (74)](https://go.hfcu.org/blog/topic/security) - [Credit Score (69)](https://go.hfcu.org/blog/topic/credit-score) - [Auto (60)](https://go.hfcu.org/blog/topic/auto) - [Checking (54)](https://go.hfcu.org/blog/topic/checking) - [Business (48)](https://go.hfcu.org/blog/topic/business) - [Investments (36)](https://go.hfcu.org/blog/topic/investments) - [Mortgage (32)](https://go.hfcu.org/blog/topic/mortgage) - [Savings (29)](https://go.hfcu.org/blog/topic/savings) - [Scams (29)](https://go.hfcu.org/blog/topic/scams) - [Work (28)](https://go.hfcu.org/blog/topic/work) - [Debt (25)](https://go.hfcu.org/blog/topic/debt) - [Holidays (25)](https://go.hfcu.org/blog/topic/holidays) - [Money Management (22)](https://go.hfcu.org/blog/topic/money-management) - [Hanscom FCU (21)](https://go.hfcu.org/blog/topic/hanscom-fcu) - [Home Ownership (21)](https://go.hfcu.org/blog/topic/home-ownership) - [Credit Report (20)](https://go.hfcu.org/blog/topic/credit-report) - [Government (20)](https://go.hfcu.org/blog/topic/government) - [Home Equity (18)](https://go.hfcu.org/blog/topic/home-equity) - [Budget (17)](https://go.hfcu.org/blog/topic/budget) - [Mobile Banking (17)](https://go.hfcu.org/blog/topic/mobile-banking) - [Investment Property (16)](https://go.hfcu.org/blog/topic/investment-property) - [Saving Money (16)](https://go.hfcu.org/blog/topic/saving-money) - [Insurance (15)](https://go.hfcu.org/blog/topic/insurance) - [Taxes (15)](https://go.hfcu.org/blog/topic/taxes) - [Children (13)](https://go.hfcu.org/blog/topic/children) - [College (11)](https://go.hfcu.org/blog/topic/college) - [Financial Wellness (11)](https://go.hfcu.org/blog/topic/financial-wellness) - [Retirement (11)](https://go.hfcu.org/blog/topic/retirement) - [Community (10)](https://go.hfcu.org/blog/topic/community) - [Online Banking (10)](https://go.hfcu.org/blog/topic/online-banking) - [Estate Planning (8)](https://go.hfcu.org/blog/topic/estate-planning) - [COVID (7)](https://go.hfcu.org/blog/topic/covid) - [Deals (7)](https://go.hfcu.org/blog/topic/deals) - [Death (7)](https://go.hfcu.org/blog/topic/death) - [Shopping (7)](https://go.hfcu.org/blog/topic/shopping) - [Fraud (6)](https://go.hfcu.org/blog/topic/fraud) - [Mass Save (6)](https://go.hfcu.org/blog/topic/mass-save) - [Teens (6)](https://go.hfcu.org/blog/topic/teens) - [Divorce (5)](https://go.hfcu.org/blog/topic/divorce) - [Travel (5)](https://go.hfcu.org/blog/topic/travel) - [ATM (4)](https://go.hfcu.org/blog/topic/atm) - [Baby (4)](https://go.hfcu.org/blog/topic/baby) - [Debit Cards (3)](https://go.hfcu.org/blog/topic/debit-cards) - [Motorcycles (3)](https://go.hfcu.org/blog/topic/motorcycles) - [Weddings (3)](https://go.hfcu.org/blog/topic/weddings) - [Boats (2)](https://go.hfcu.org/blog/topic/boats) - [Charity (2)](https://go.hfcu.org/blog/topic/charity) - [Family Finance (2)](https://go.hfcu.org/blog/topic/family-finance) - [Lending (2)](https://go.hfcu.org/blog/topic/lending) - [Credit Unions (1)](https://go.hfcu.org/blog/topic/credit-unions) - [Green (1)](https://go.hfcu.org/blog/topic/green) - [Medical (1)](https://go.hfcu.org/blog/topic/medical) - [Pets (1)](https://go.hfcu.org/blog/topic/pets) - [dormant account (1)](https://go.hfcu.org/blog/topic/dormant-account) - [inactive account (1)](https://go.hfcu.org/blog/topic/inactive-account) - [Read More ** 19 May ![two friends transferring money](https://go.hfcu.org/hubfs/Untitled%20design%20-%202021-03-09T143712.566.jpg) 3 Easy Ways to Transfer Your Money Transferring money from an account at one financial institution to another used to be a headache, or at the very least, required a trip to the post office to mail a check, but today there are three.. ** Savings Online Banking Checking ** MoneyWisdom Newsletter ](https://go.hfcu.org/blog/3-easy-ways-to-transfer-your-money) - [Read More ** 06 May ![A dark-haired woman sits at a table in a cafe with a coffee browsing the internet on her laptop. ](https://go.hfcu.org/hubfs/Blog%20Photos.png) ](https://go.hfcu.org/blog/6-tips-for-better-password-protection) [6 Tips for Better Password Protection While Hanscom FCU and its Online Access provider employ [multiple layers of security](https://go.hfcu.org/blog/5-ways-secure-online-access) to protect your account information and transactions on our servers and the internet, good password management is.. ](https://go.hfcu.org/blog/6-tips-for-better-password-protection) ** Personal Finance ** MoneyWisdom Newsletter - [Read More ** 28 Apr ![](https://go.hfcu.org/hubfs/5%20Places%20To%20Stash%20Your%20Cash.png) Emergency Savings Accounts: 5 Places to Stash Your Cash What if your income stream suddenly stopped? Would paying for the essentials be difficult? What if an unexpected expense, such as a medical bill, popped up? Would you be able to pay it? Many people.. ** Personal Finance Savings Checking ** Hanscom Federal Credit Union ](https://go.hfcu.org/blog/emergency-savings-accounts-where-to-stash-your-cash) - [Read More ** 26 Apr ![An older Asian couple are looking up their credit card's interest rate and payoff information on their laptop. ](https://go.hfcu.org/hubfs/Understand%20The%20Interest%20Rate%20On%20Your%20Credit%20Card.png) ](https://go.hfcu.org/blog/understand-the-interest-rate-on-your-credit-card) [Understand the Interest Rate on Your Credit Card Credit card interest rates can be a tricky business. Yours may start low then go sky high after a few months. Your rate can also [change if you pay late](https://go.hfcu.org/blog/credit-card-statements), charge beyond your limit, perform a balance.. ](https://go.hfcu.org/blog/understand-the-interest-rate-on-your-credit-card) ** Credit Cards ** Bill Burpeau - [Read More ** 30 Mar ![A gray-haired woman takes notes on the financial education webinar she's attending on her laptop](https://go.hfcu.org/hubfs/5%20Reasons%20Women%20Need%20to%20Learn%20About%20Money.png) 5 Reasons Women Need to Learn About Money Women have made incredible strides towards equality in the last 50 years, especially in terms of financial independence. It’s almost a challenge to remember that we only attained the legal right to.. ** Investments Savings Financial Wellness ** Monica Parks ](https://go.hfcu.org/blog/5-reasons-women-need-to-learn-about-money) - [Read More ** 21 Mar ![](https://go.hfcu.org/hubfs/2022%20Blog%20Post%20Images%20800x800%20(1).jpg) How to Make Biweekly Mortgage Payments to Save Money Whether you've been a homeowner for 15 minutes or 15 years, paying off your mortgage faster could help you free up cash for other financial goals. Your mortgage is likely your largest single monthly.. ** Home Mortgage ** Tracy Scott ](https://go.hfcu.org/blog/how-to-make-biweekly-mortgage-payments-to-save-money) - [Read More ** 21 Mar ![mother rubbing noses with daughter at kitchen table while son stirs a spoon next to them](https://go.hfcu.org/hubfs/Untitled%20design%20-%202022-02-10T072804.753.jpg) ](https://go.hfcu.org/blog/what-you-need-to-know-about-putting-your-home-in-a-trust) [What You Need to Know About Putting Your Home in a Trust When you're creating [an estate plan](https://go.hfcu.org/blog/estate-planning-101-the-difference-between-a-will-and-a-trust), your home is likely one of your more important assets. Ensuring it is properly and easily passed to your [beneficiaries](https://go.hfcu.org/blog/whats-the-difference-between-an-heir-and-a-beneficiary) is probably one of your main concerns... ](https://go.hfcu.org/blog/what-you-need-to-know-about-putting-your-home-in-a-trust) ** Home Estate Planning Home Equity Mortgage ** Brette Sember - [Read More ** 14 Mar ![couple snuggled up together looking at smartphone](https://go.hfcu.org/hubfs/2022%20Blog%20Post%20Images%20800x800.jpg) ](https://go.hfcu.org/blog/earn-more-with-a-certificate-laddering-strategy) [Earn More With a Certificate Laddering Strategy [Hanscom FCU’s certificate accounts](https://www.hfcu.org/checking-and-savings/certificates.html) are a smart and safe way to reach your savings goals while letting you earn a great rate. However, you can earn even more when you use a laddering strategy with.. ](https://go.hfcu.org/blog/earn-more-with-a-certificate-laddering-strategy) ** Hanscom FCU Personal Finance ** MoneyWisdom Newsletter - [Read More ** 11 Mar ![](https://go.hfcu.org/hubfs/mwisdom_blog-retirement-1.jpg) ](https://go.hfcu.org/blog/unexpected-retirement) [Unexpected Early Retirement? How to Protect Your Financial Future What if you find yourself facing early retirement due to a job loss, health condition, or another circumstance you did not anticipate? *The Wall Street Journal* [recently reported](https://www.wsj.com/articles/you-got-richer-during-the-pandemic-early-retirement-is-still-risky-11644575419) that the percentage of.. ](https://go.hfcu.org/blog/unexpected-retirement) ** Savings Financial Wellness Retirement ** MoneyWisdom Newsletter - [Read More ** 11 Mar ![male nurse standing outside car taking info from woman for COVID-19 test](https://go.hfcu.org/hubfs/Blog%20Photos%20800%20x%20800px%20(31).jpg) ](https://go.hfcu.org/blog/scam-alert-avoid-these-covid-19-test-scams) [Scam Alert: Avoid These COVID-19 Test Scams Tens of millions of Americans have ordered [free COVID-19 tests through a new federal program](https://www.covidtests.gov/) that allows each household to receive four free kits. ](https://go.hfcu.org/blog/scam-alert-avoid-these-covid-19-test-scams) ** Security Scams Government ** Sandra Quadros Bowles [**](https://go.hfcu.org/blog/page/8) [1](https://go.hfcu.org/blog/page/1) [...](https://go.hfcu.org/blog/page/4) [7](https://go.hfcu.org/blog/page/7) [8](https://go.hfcu.org/blog/page/8) [9](https://go.hfcu.org/blog/page/9) [10](https://go.hfcu.org/blog/page/10) [11](https://go.hfcu.org/blog/page/11) [...](https://go.hfcu.org/blog/page/14) [71](https://go.hfcu.org/blog/page/71) [**](https://go.hfcu.org/blog/page/10) ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ### Comment ### Subscribe To Blog ### Subscribe to Email Updates ### contact **Hanscom Federal Credit Union** 1610 Eglin St. Hanscom AFB, MA 01731 Call us: [800-656-4328](tel:8006564328) [https://www.hfcu.org/](https://www.hfcu.org/) ### About Us [The MoneyWisdom Blog](https://www.hfcu.org/the-moneywisdom-blog.html) ### Social ** ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.facebook.com/HanscomFederalCreditUnion The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://X.com/HanscomFCU The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.instagram.com/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### https://www.linkedin.com/company/hanscomfcu/ The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ## You are Leaving Hanscom Federal Credit Union #### **Please read the following before proceeding to:** ### http://www.youtube.com/c/HanscomFederalCreditUnion The website you are about to visit is solely the responsibility of the merchant or other party providing the site. The content of this third-party site, including materials and information, is solely the responsibility of the provider of the site. The Credit Union is not responsible for any such third-party content. Any transactions that you enter into with a vendor, merchant or other party that you access through this third-party site are solely between you and that vendor, merchant or other party. The Credit Union does not endorse the content contained in this third-party site, nor the organization publishing the site, and hereby disclaims any responsibility for such content. The Credit Union Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of the third-party site. ### Popular Posts [What You Need to Know About Putting Your Home in a Trust](https://go.hfcu.org/blog/what-you-need-to-know-about-putting-your-home-in-a-trust) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202022-02-10T072804.753.jpg) [What You Need to Know About Your Federal Tax Bracket](https://go.hfcu.org/blog/what-you-need-to-know-about-your-tax-bracket) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Untitled%20design%20-%202021-03-22T123305.900.jpg) [6 Boat Types to Get on the Water](https://go.hfcu.org/blog/6-boat-types-to-get-on-the-water) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/images/Jet_Ski.jpg) [Here's The Difference Between An Heir And A Beneficiary](https://go.hfcu.org/blog/whats-the-difference-between-an-heir-and-a-beneficiary) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/grandparents%20on%20beach.png) [23 Organizations Dedicated to the Needs of Seniors](https://go.hfcu.org/blog/23-organizations-dedicated-to-the-needs-of-seniors) ![older man looking at top retirement worry on digital device](https://go.hfcu.org/hubfs/Senior%20citizens.jpg) ### Recent Posts - [![National Credit Union Administration](https://go.hfcu.org/hs-fs/hubfs/NCUA-logo-small.png?width=95&name=NCUA-logo-small.png) ](https://www.ncua.gov/) [![Equal Housing Lender](https://go.hfcu.org/hs-fs/hubfs/EHL-logo-small.png?width=65&name=EHL-logo-small.png)](https://www.hud.gov/fairhousing) - @ 2023 [Hanscom Federal Credit Union](https://www.hfcu.org/) - Federally insured by the National Credit Union Administration. - [Privacy Policy](https://www.hfcu.org/content/docs/Privacy_Notice.pdf) **Disclosure:** Hanscom Federal Credit Union does not provide and is not responsible for any products, services, or overall website content available at any third-party sites linked within this blog. Moreover, Hanscom Federal Credit Union's privacy policies do not apply to any of the linked websites within this blog. Please consult the privacy disclosures on those linked sites for further information. ```json { "@context" : "http://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Hanscom Federal Credit Union" }, "dateModified" : "August 3, 2023, 2:55:51 PM", "datePublished" : "2022-05-16 18:57:25", "description" : "Hanscom Federal Credit Union offers free financial education for our members and as an employee benefit for our business partners. Our mission is to help our members become MoneyWiser. Get tips, worksheets and information to help you achieve a balanced budget, save money and plan for your retirement. 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