The Modern Wallet Blog
USF CU’s Big Top Benefit: No Hidden Fees, No Surprises
No surprise charges. No unnecessary monthly fees. See how USF Credit Union makes banking simple, transparent and built for you.
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Auto Advisors with USF CU Is Your Secret Weapon for Smarter Car Buying
From budget planning to dealership negotiations, USF CU Auto Advisors help members save thousands and drive away confident.
Chat With a Real Human at USF CU - No Bots, No Scripts
Chat with real USF Credit Union team members. No bots, no scripts, just fast answers and friendly service.
This Surprising USF CU Perk Can Save Your Day on the Road
USF CU’s Mechanical Breakdown Protection helps cover costly repairs plus towing, roadside assistance, rental reimbursement, and more.
USF CU’s Fletcher Branch Celebrates 5 Years of Serving Our Community
Celebrate 5 years of Better Banking for All at USF Credit Union’s Fletcher Branch! Claim a $200 checking bonus and see what’s next for USF CU.
Now Serving: Better Banking for All at USF CU!
USF Credit Union is welcoming more members with Better Banking for All. Join in minutes and enjoy award-winning, people-first banking.
USF CU’s New Financial Wellness Series Is Here: The $ Files
Where does your paycheck really go? In Case #001 of The $ Files, we uncover how small everyday spending adds up and what you can do to take control of your money.
New Rendering Shows Stunning USF CU Winter Park Branch
Get a first look inside our new Winter Park branch. Opening April 2026 with local art, modern digital tools, and a welcoming, member-first design.
Come One, Come All! Experience USF CU’s Greatest Perks Show on Earth
Step right up to USF Credit Union’s Greatest Perks Show. Explore five acts of crowd-pleasing banking perks for 2026, from fee-free checking to nationwide access and member-first support.
Real People. Real Answers. Lightning-Fast!
At USF Credit Union, members reach a real person in 30 seconds or less on average. Meet Carolina and see why fast, friendly support matters.
USF CU’s Better Banking for All Takes Flight in 2026
USF Credit Union has expanded membership access so nearly anyone can join and experience smarter, heart-led banking that’s built around people, not profits.
This USF CU Scholarship Recipient’s ‘Pay-it-Forward’ Story Will Warm Your Heart
USF Credit Union and St. Joseph’s Hospital Foundation are supporting nurses like Melissa through scholarships that fuel education, leadership, and community impact.
Check Out USF CU’s 11 Best Financial Wellness Tips in 2025
Catch up on all 11 Game to Get Fit lessons from USF Credit Union to cut money stress, budget smarter, tackle debt and build stronger financial confidence for 2026.
USF CU Cardholders Craving Italian, Loving Uber Eats This Holiday Season!
See how USF CU members are spending on holiday meals and delivery in Tampa, plus why the Rewards Visa card is the card behind the season.
Meet Fidel - Bringing Connection (and Fresh Fruit!) to USF CU
Meet Fidel, USF Credit Union’s Network Engineer who keeps everything connected and brings a member first mindset to every interaction.
USF CU’s FlexPay Lets You Holiday-Shop Now, Pay Later
Holiday spending without the holiday stress. FlexPay lets you turn eligible debit purchases into monthly payments.
USF CU Citrus Park Turns One - And the Celebration is All About You!
USF CU Citrus Park is celebrating one year with a $200 checking bonus, local service, 24/7 ATMs and digital tools that make banking easier for you.
For a Gift They’ll Actually Use, Give USF CU’s Greenlight Card!
Kids get a card they love. Parents get smart money tools. As a USF Credit Union member, your Greenlight subscription is free* - perfect for Christmas morning.
USF CU’s Holiday Tree Shines on Local TV; But the Best Part is Why It’s There!
FOX 13 visited Winter Wonderland at AdventHealth Center Ice and spotlighted USF CU’s holiday tree supporting Celebrate Birthdays Foundation.
USF CU Contest Winners Surprised with 365 Days’ Worth of Ramen!
We wrapped our first Ramen Riches contest and gave 3 USF students a year’s worth of ramen.
USF CU Makes Winter Park Debut at Christmas Parade Ahead of Branch Opening
USF Credit Union showed up in Winter Park for the city’s oldest holiday parade. See how we’re listening to the community and what’s coming with our new branch.
USF CU Roundtable with Rep. Bilirakis Highlights Opportunities for Credit Unions
USF CU and local credit union leaders met with Rep. Gus Bilirakis to discuss AI, cybersecurity, and what it takes to keep financial services people first.
USF CU Helps Uncover Estimated $6M in Taxpayer Savings
USF Credit Union volunteers used secure AI and human verification to review 1,200+ pages and help Hillsborough County achieve an estimated $6M in taxpayer savings.
USF CU’s Board Chair Dr. Rick Will Named 2025 CUES Distinguished Director
USF Credit Union Board Chair Dr. Rick Will has been named the 2025 CUES Distinguished Director Award honoree, honoring exceptional credit union leadership nationwide.
99.98% Uptime! USF CU’s Digital Banking Doesn’t Blink
Enjoy nonstop, secure banking with USF Credit Union’s 99.98% uptime. Access your accounts anytime, anywhere, with seamless digital banking.
Humans of Finance - Quanette
Meet Quanette, the USF CU concierge who brings joy to every member interaction by turning everyday banking into moments of trust, positivity, and genuine connection.
Psst, This Free USF CU Member Perk Could Save You Thousands on Your Next Ride
Drive into savings with Auto Advisors, the free perk that helps USF CU members find the right car at the right price so your car-buying stays simple, stress-free, and budget-friendly.
USF CU’s FlexPay: The Smartest Way to Shop Black Friday This Year
Shop smarter this holiday season with FlexPay, the tool that helps you split eligible purchases into simple payments so your budget stays steady and stress stays low.
The Complete Guide to Using BALANCE - Free Financial Help for USF CU Members
USF Credit Union members get free access to BALANCE coaches, budgeting tools, webinars, and personalized action plans. Start building financial strength with guidance that fits your life.
Celebrating 8 Years of Service at USF CU’s New Tampa Branch
For eight years the New Tampa branch has helped members save, borrow, and build stronger financial futures.
The Secret is Out! USF CU is now Better Banking for All
Join today and experience award-winning banking, higher protection on deposits, and people-first service that puts you at the center.
USF CU is Award-Winning Banking ‘Near Me’ in 2025
From global innovation to top workplace honors, see how USF Credit Union’s award-winning team is redefining Better Banking for All.
USF CU Cybersecurity Pro Reveals Biggest Online Threat
Learn from cybersecurity expert Jeff Billy how to recognize scams, avoid fraud, and protect your information during Cybersecurity Month.
Don’t Miss This Simple USF CU Tip to Protect Your Money
This Cybersecurity Awareness Month, strengthen your financial defense with 2FA. Quick, easy, and essential for keeping your USF Credit Union account secure.
Chat Online With a Real USF CU Team Member!
Connect instantly with real local team members for quick answers, personal service, and expert financial guidance.
Fall’s Got It All—Fresh Perks at USF CU
Discover what’s new at USF Credit Union this fall, from enhanced deposit protection to instant payments and faster member support.
USF CU Opening New, Cutting-Edge Branch in Central Florida
Discover USF Credit Union’s first-of-its-kind branch opening in Winter Park, Florida in Spring 2026.
USF CU Launches Instant Payments!
No more waiting for money to clear. USF Credit Union members can now enjoy Instant Payments—fast, secure, and available 24/7.
5 Surprising Ways Gratitude Builds Wealth
Discover how gratitude and generosity can transform your financial wellness.
Get Answers in 30 Seconds or Less at USF CU
At USF Credit Union, you’re never just an account number, you’re family.
Custom Greenlight Debit Cards + $10 Bonus
Kids can now design their own Greenlight debit cards with photos and fun themes. USF CU members get a $10 bonus through Oct. 16, 2025.
USF CU’s Website Address Has Changed
USF Credit Union’s web address is now usfcu.com. Same secure service, easier access, no action needed.
Quishing: The QR Code Scam You’ve Never Heard Of (Until Now)
7 tips to protect yourself from quishing, the fast-growing QR code phishing scam.
Get Your Paycheck 2 Days Early at USF CU!
Set up direct deposit with USF Credit Union and get paid up to two days early. Enjoy more flexibility, less stress, and faster access to your money.
Back-to-School Money Savings Tips That Deserve an A+
Reset your finances this fall with 8 easy tips to simplify your budget and stress less this back-to-school season.
USF Credit Union Wins Digital Growth Award for Innovation!
USF Credit Union has been honored with the 2025 Digital Growth Award by the World Council of Credit Unions for its member-first innovations like Buy Now, Pay Later (Flex Pay) and Plan Your Purchase.
Yes, That’s USF Credit Union in Forbes and Fortune - Here’s Why!
See how we’re redefining credit unions in 2025 and opening membership to everyone.
Skip the Line: Schedule Appointments with USF CU in Seconds
With just 30 seconds, you can book your appointment online for home or auto loans, notary, account updates, and more.
Summer’s Better with Incredible USF CU Perks
USF CU’s newest benefits are here to help you bank smarter and live better.
5 Clever Money Tips for Independence This Summer
Learn how to build savings, crush debt, boost income, and unlock real financial independence one step at a time.
Your Summer Money Game Plan
Looking to boost your income and savings this summer? Check out these side hustle ideas, passive income tips and smart banking moves.
Why Members Like Jonathan Choose USF CU for Summer Fun
Finance your summer fun with low rates, fast approvals, and flexible terms from USF CU.
USF CU Wins 2025 Sterling Sustained Excellence Award
USF Credit Union has received Florida’s 2025 Governor’s Sterling Sustained Excellence Award, honoring our long-term commitment to performance, service, and member-focused innovation.
USF CU CEO Rick Skaggs Receives Distinguished Citizen Award
USF Credit Union CEO Rick Skaggs was honored with the prestigious Distinguished Citizen Award at the University of South Florida’s Spring 2025 Commencement.
Storm Season Financial Prep: 25 Must-Have Tips & Resources
Hurricane season is here. Get financially prepared with 25 essential tips, emergency resources and smart money moves from USF Credit Union. From accessing cash to avoiding scams, we’ve got you covered.
‘Best’ Debit Card for Kids, Greenlight, Now Available
USF Credit Union now offers Greenlight®—the debit card and money app for kids and teens. Help your child learn smart spending, saving, and investing with parental controls and fun financial lessons.
Stay Sharp: What You Need to Know About Bank Jugging
Bank jugging is on the rise. Learn how to protect yourself from this growing crime with tips from USF Credit Union.
Lower Your Mortgage Rate with RateRefresh!
USF Credit Union has launched RateRefresh—a smarter way to lower your mortgage rate without the cost and hassle of a traditional refinance.
7 Ways to Tame Money Stress
Money stress can take a toll on your mental health. Here are some simple steps to help you feel more in control and at peace.
This One Upgrade Means Your Money’s Safer Than Ever
USF CU members enjoy up to $500,000 in deposit insurance with automatic NCUA and ESI coverage.
4 Easy Ways to Go Green
Discover four easy, eco-friendly ways to bank greener, save money, and simplify your life—from mobile banking to eStatements.
11 Unique Money-Saving Tips Our Employees Swear By
We asked the USF Credit Union team to share their go-to money-saving strategies—and they delivered.
USF Credit Union Named Top Workplace – Again!
Another win! USF Credit Union has been named one of the Top 100 Workplaces in Tampa Bay by the Tampa Bay Times.
Game On: Beat Debt Like a Pro
Learn smart strategies to tackle debt, use loans wisely, and set yourself up for a winning financial future.
New, Free Credit Score Tool is Live!
Today, we’re officially rolling out our new Credit Score tool – our latest perk built right into your USF Credit Union banking app.
USF Credit Union Honored as Top Workplace by USA Today
We’ve got some exciting news - USF Credit Union has been recognized as a 2025 USA TODAY Top Workplace!
Spring Into Savings with Our New Budgeting Tool
Refresh your finances this spring with USF Credit Union’s new budgeting tool! Track spending, cut expenses, and level up your financial game with expert tips.
Swipe Right on Rewards This Valentine’s Day!
Make this Valentine’s Day even sweeter with USF Credit Union! Love your rewards and stress less about finances.
New Financial Wellness Series: 'Game to Get Fit?'
Each month, we’ll tackle key money topics to help you budget smarter, save more and reduce financial stress.
How to ‘Own’ Homeownership
Discover how USF Credit Union makes homeownership easy with personalized support, tailored mortgage programs and expert guidance.
Close a Credit Card Without Hurting Your Credit Score
Learn how closing a credit card affects your credit score. Explore factors like credit utilization and account age, and discover steps to minimize negative impacts.
25 Ooh-Worthy Perks for 2025!
We’ve corralled 25 top reasons why banking is just better at USF CU!
Protect Yourself from AI Scams
Learn about common AI scams, how to recognize them and how to protect yourself from fraud.
5 Scams To Watch For After The Holidays
The mad holiday rush may be over, but scammers aren’t slowing down.
USF CU Opens New, State-of-the-Art Branch in Citrus Park
Discover the all-new USF Credit Union branch in Citrus Park!
Avoid These 7 Sneaky Holiday Scams in 2024, Warns CU Security Expert
Stay safe this holiday season by learning how to spot and avoid 7 common scams targeting shoppers in 2024.
Here’s How USF CU can Turbocharge Your 2024 Holiday Shopping
Get the most out of holiday shopping with smart budgeting, cash-back tips and fraud prevention advice from USF CU. Make 2024 a stress-free and rewarding holiday season!
5 Tips for Sticking to Your Holiday Budget
It’s all about planning ahead.
6 Hassle-Free Ways We Have Your Back After The Recent Storms
Discover how we can help with emergency loans, skip-a-payment options, mortgage deferment and more as our community faces ongoing challenges from Hurricane Helene and Milton.
Beware of Post-Disaster Scams
Learn how to spot bogus charities, FEMA imposters, shady contractors and flood-damaged cars after a natural disaster.
Key Mortgage Terms Every Homebuyer Needs to Know
Navigate the mortgage process confidently with our guide to essential mortgage terms.
Advance Payment Scams
Before you pay up, take a step back and look at the transaction from every possible angle.
USF CU Wins 2024 Top Workplaces Award
This prestigious accolade demonstrates USF CU's commitment to fostering a people-first workplace culture.
Plan for a Budget-Friendly Summer
Summer may be the most chill time of year for many, but it can also get super-expensive.
What's a Ponzi Scheme?
They offer “guaranteed” huge returns, when in fact they’re only enriching those at the top of the pyramid scheme.
Tech Support Scams
Here’s what you need to know about technical support scams and how to prevent yourself from falling victim.
What to Know Before Buying a Used Car
Our guide will keep you from getting lost along the way!
Secure Your Mobile Wallet
To keep your financial data safe, keep these security tips in mind.
10 Scams Targeting Seniors
The annual loss by victims is estimated to be at least $36.5 billion.
Review Your Financial Situation Regularly
What should you be looking at specifically?
Should You Invest if You're in Debt?
Here are the various factors to consider.
Don’t Get Caught in a Credit Repair Scam
Look out for these red flags.
Amazon Shopping Scams
Check out these tips for protecting yourself.
Figuring Out Tax Withholding
If you're getting money back, ask yourself these questions.
Beware of Fraudulent Websites
A spoofed website can be hard to spot and difficult to identify.
12 Sneaky Holiday Scams
Watch out for schemes trying to swipe cash or steal personal information.
Building Financial Resilience
Living a financially fit life is very doable.
Three Common Money Mistakes
Find out how to fix them.
How to Buy Your First Home
Make it less stressful with good planning.
Don’t Get Caught in a P2P Scam
P2P platforms are convenient, but scams are rampant.
Learn About Money Market Accounts
Money market accounts offer many convenient features of checking accounts, with an attractive rate of return to help your money grow.
Your Funds Are Safe With Us
Learn how your funds are protected and secured.
Car Buyers' Worst Mistakes
Put your money to work rather than throwing it away.
Outsmart Phishing Scams
Protect yourself and keep your personal information safe.
How Much Home Can I Afford?
There are 3 things to consider before you sign anything.
Fix Bad Money Habits
The peace of mind a healthy financial status brings is priceless.
Holiday Season Scams
Keep your money safe by practicing caution.
How to Create Strong Passwords
When it feels like there’s another big security breach every week, you want to be sure your passwords are strong and safe.
Basic Steps To Financial Fitness
Gain control of your finances with these 5 steps.
Mobile Check Deposit Scams
Never give your banking information to anyone you don’t know or trust
Financial Advice You Should Never Follow
Make sure your sources are trustworthy.
Store Cards Are Rarely The Better Deal
Rates on retail cards are usually higher than credit union cards.
Teach Kids Money Management
If they have shown financial responsibility, a debit card/checking account can be a great next step.
The Financial Facts of Life
It’s never too late to begin learning.
Don't Lose Sleep Over Money
Americans' top 3 worries are debt, lack of savings and not having enough for retirement.
Ways to Save in College
The first step is finding out what you don’t need to buy.
Budgeting for Infrequent Expenses
Many people live in a state of denial about the cost of infrequent expenses.
Buying a Used Car
If you’re in the market for a deal on used wheels, follow these steps for a smoother ride!
How To Talk Money With Your Partner
What happens when you and your partner have different approaches toward money?
Saving on Home Renovations
With some careful planning, you can shave thousands of dollars off the price tag.
Saving Money When There's Not Much to Save
How do you save when there is not much wiggle room in your budget?
IRS Imposters Among the "Dirty Dozen" Tax Scams
If you received unexpected good news in an e-mail from the IRS, it's probably bogus.
Payday Loans Aren't Worth the Cost
It’s a trap that will cost you many times more than you borrow.
5 Reasons We Overspend
Let’s take a look at five common reasons and how we can overcome them.
How To Pay Off A Loan Early
If you’re like most Americans, you owe money on a large loan.
The Benefits of Using Mobile Payments
Why fumble for your wallet when checking out when you can pay using your phone?
6 Times a Bargain is Not a Bargain
Here’s when that steal of a deal is not such a bargain after all.
Debt-Collection Scams
A caller claiming to represent a debt-collection agency demands immediate payment for an alleged outstanding debt.
Political Fundraising Scams
Report any election scams to a local FBI field office as soon as possible.
The Pending Package Scam
Scammers are using bogus packages to trick victims into sharing personal information.
The Importance of Being Financially Fit
Being financially fit is crucial for a well-balanced, stress-free life.
What's the Best Way to Use a Home Equity Loan?
A home equity loan can be an ideal way to source extra funds during a falling-rates environment.
Should You Pay a Bill with a Credit Card?
Let’s take a closer look at the pros and cons.
Using Your Credit Cards Responsibly
Boost your credit score and financial wellbeing.
What's the Best Way to Tackle Debt?
Snowball Method vs. Avalanche Method
Preparing for an Interview
Present yourself as polished, professional and capable to any potential employer.
Beware of Relay Theft
This user-friendly feature is also a favorite for car thieves.
Getting Ahead on Your Student Loan Before You Graduate
Be sure to look at the larger picture before you accept a position.
Tips to Help You Protect Yourself from Fraud
Here at our credit union, we take the security of your account extremely seriously.
All You Need to Know About Going Cashless
As our world grows increasingly digitized, many consumers are banishing cash from their wallets and choosing other ways to pay.
How to Create a Budget in 6 Easy Steps
A budget will help you gain financial awareness, which will help facilitate more responsible decisions.
All You Need to Know About Data Breaches
What should you do if your info is taken?
How To Dispute An Error On Your Credit Report
As a financially responsible individual, you should be checking your credit on a regular basis.
Take Caution Before Borrowing A Charging Cable
Be aware of this threat and practice caution when traveling.
All You Need To Know About Home Loans
If you’re in the market for a new home, you’ll likely need to take out a home loan or mortgage.
Can I Buy A House When I’m Paying Off A Student Loan?
There are several factors to consider.
Understanding The Credit Card Trap
Why do most Americans carry so much credit card debt and find themselves stuck in the debt trap?
Do My Monthly Bill Payments Affect My Credit Score?
Read on for three steps that can help your on-time monthly payments boost your credit score.
How Much Money Should I Keep In My Checking Account?
Let's find out.
The Ultimate Smart Shoppers Cheat Sheet
Did you know you should be timing your shopping throughout the week?
Vacation Scams To Watch For
Before heading on your dream vacation, read our list of four common vacation scams and learn how to avoid them.
7 Money Myths You Need To Stop Believing
There are lots of money management tips that are false.
9 Steps To Buying Your First Car
The process can be daunting, but we'll walk you through it.
Don't Get Caught in a Pyramid Scheme
Let’s look at what constitutes a pyramid scheme and how to avoid falling for one.
7 Signs You're Living Beyond Your Means
Here are steps you can take to get back on track.
Student Loan Scams
Here’s what you need to know about three popular student loan scams.
7 Reasons Not To Skip a Home Inspection
A professional home inspection can save you a ton of aggravation and thousands of dollars in the long run.
10 Restaurant Hacks
Dining out with family and friends is a wonderful experience, but it can take a huge bite out of your budget.
Beware of Blackmailing Scams!
Blackmail and extortion are some of the oldest tricks in the book — because they work.
How Many Credit Cards Should I Own?
Are too many cards a liability to your score?
Don't Get Caught in a Free Trial Scam!
You know what they say: “If it’s too good to be true, it probably isn’t.”
What Can I Do About Robocalls?
Read on for the inside scoop on robocalls and what you can do about them.
Questions To Ask Before Making a Large Purchase
Before you say “yes”, ask yourself these 7 questions.
Smishing Scams
Here’s what you need to know about an SMS message-based scam.
Debit Card Safety
Your random card of choice might not be the safest way to pay.
Turn Your Dream Vacation Into a Reality
Six ways to make that dream vacation come true.
Beware of Social Media Scams!
There are several types you need to know about.
How to Fund an Emergency
Do you have a secure plan in place for emergencies?
The Money Envelope System
Keep your spending in check.
Phone Cloning and Digital Self Defense
The only thing a hacker needs is your phone number.
The Dos And Don'ts Of Credit Repair
Our handy guide will help you get on the road to improving your score.