Palisades Credit Union Go to main content




Budgeting For A Car9/19/2023

Budgeting For A CarWhether you’re looking to buy your first car or upgrade your current vehicle, it’s important to consider every aspect of what buying and running a car looks like before you make a purchase. Budgeting for car expenses can feel overwhelming, so we’re here to walk you through the most common costs you can expect when you’re in the market for a new vehicle.

Read More »

Teen Checking Accounts9/11/2023

Teen Checking AccountsFrom exploring options to effectively managing a checking account, you may be wondering if your teen is ready for the responsibility. Palisades provides a brief overview of teen banking benefits, how to compare accounts, and how to apply. Keep reading to learn more!

Read More »

Paying For A Wedding6/30/2023

Paying for a weddingPlanning a wedding is an exciting time in life and a big milestone in a couple’s relationship. However, one of the most difficult parts of wedding planning is determining a reasonable budget and figuring out how to pay for it. In this article, we’ll look at a variety of ways to pay for your big day, from savings accounts to personal loans for weddings.

Read More »

New Homeowner’s Guide to Home Maintenance6/28/2023

New Homeowner's Guide to Home Maintenance

You’ve just signed the closing documents, got the keys, and moved in your boxes. Now what?

Having the responsibility of maintaining an entire home may feel like a daunting undertaking—especially if you are leveling up from a much smaller or maintenance-free home. But following a regular maintenance routine can make this chore feel less imposing, can reduce the need for major and minor repairs, and can help keep your home clean, comfortable, and functional year-round.

In this post, we’ll list some key monthly, seasonal, and annual maintenance items to help you navigate your first year caring for your new home.

Read More »

Top Reasons to Open a Savings Account5/12/2023

Why You Need A Savings AccountGeneration Z has some of the highest rates of savings—especially for retirement—more than any other recent generation. And with record-high interest rates on savings accounts, this is a great time to be saving. However, not everyone is taking advantage of these rates. In fact, 40% of 18-24 year olds have less than $500 in savings—nowhere near enough to cover a large, unexpected cost or day-to-day living expenses in the case of a lost job.

If you don’t currently have a savings account or are looking to increase your savings to meet a short- or long-term savings goal, this post is for you. From saving for small purchases and emergencies to retirement plans and buying your first home, we’ll discuss reasons for creating a savings plan, as well as the benefits of using savings over credit, and how to choose and open the right account for your specific goals. Keep reading to learn more!


Read More »

5 Ways To Improve Financial Literacy4/7/2023

Improve Your Financial Literacy

Possessing financial literacy means you understand and use certain skills to manage your money. No one is born knowing how to create a budget or understand different options for saving and investing. Just as you need to learn how to read and do math, becoming financially literate is an important education for your future success.

While some schools offer financial literacy classes, this type of education isn’t available to every student. In this article, we’ll show you how to improve your financial literacy in six steps with a DIY education. (To see how much you already know, take our Financial Literacy Quiz)

Read More »

What is a HELOC For? 7 Ways To Put Your Home Equity To Work For You3/9/2023

Quarters with plants in front of calculator and toy home

If you’ve owned your home for a while, you probably have some equity in it now. Equity is the difference between what you owe on your mortgage and your home’s current market value. You can build equity by paying down your mortgage principal, as well as by improving your home (aka sweat equity). When your home’s value rises with the rest of the real estate market, you also gain equity.

Read More »

How To Apply For Student Loans2/7/2023

Applying for Student Loans - High school student and her mom working on a loan applicationNext to buying a home, paying for college can be one of the biggest expenses for a family. It’s best to start preparing before the big day comes. Of course, saving in advance will help you cover some of the cost without taking out loans. Check out NY’s 529 College Savings Program or New Jersey’s 529 College Savings Plan. Still, many students will need to finance at least some of their college education. In this guide, we’ll explain the different types of student loans, how they work, and what you need to apply.

Read More »

What is a Savings Certificate?1/10/2023

What's the difference between a savings certificate and a CD - two hands holding applesWhile the holidays might be over, the bills from your purchases might be an unpleasant reminder of overspending during the past season. If you find you are one of the nearly 40% of Americans with significant holiday debt to tackle in the new year, take heart that there are ways to not only overcome it in the coming months, but also prevent the same spending pitfalls next season.

In this post we’ll provide you with a number of strategies to eliminate or reduce your debt, getting it under control before those balances get out of hand—whether your debts are small or large. Keep reading to learn our best tips for paying off your holiday debts!

Read More »

Tips for Paying Off Your Holiday Spending12/15/2022

How To Pay off Holiday Spending - Woman with a calculator and receiptsWhile the holidays might be over, the bills from your purchases might be an unpleasant reminder of overspending during the past season. If you find you are one of the nearly 40% of Americans with significant holiday debt to tackle in the new year, take heart that there are ways to not only overcome it in the coming months, but also prevent the same spending pitfalls next season.

In this post we’ll provide you with a number of strategies to eliminate or reduce your debt, getting it under control before those balances get out of hand—whether your debts are small or large. Keep reading to learn our best tips for paying off your holiday debts!

Read More »

Holiday Budgeting Tips During Inflation11/3/2022

Holiday Budgeting During Inflation - Woman writing a budget with a Christmas tree in the background

No matter how you plan to celebrate this holiday season, budgeting for the additional expenses that arise at the end of the year is an important step towards financial health. It is not just Christmas gifts that will blow your budget, most Americans also increase their spending on food and travel during the months of November and December. 

At Palisades Credit Union, the financial health of our community is a top priority. We have put together the top tips for holiday budgeting during inflation so you can create a healthy start to the new year. 

Read More »

Look Out for Common Cybersecurity Threats10/4/2022

Common Cybersecurity Threats - Image of a person on a laptop with lock icons

October is Cybersecurity Awareness month, and a great time to revisit a topic we’ve touched on in many of our previous blogs. In this post, we’ll offer some time-tested as well as updated advice for individual customers, businesses, and organizations to follow to raise their own awareness, and protect themselves from future attacks and scams. Keep reading to learn more!

Read More »

Buy Now Pay Later vs Credit Cards9/6/2022

Cred Cards vs. Buy Now Pay Later - Person holding a cell phone with Buy Now Pay Later on the screen

Whether you’re hitting the shops for a “treat yourself” day or stocking up on gifts for your loved ones, you’re more than likely going to reach for one of your credit cards rather than paying in cash when you get to the checkout. But with the rise of Buy Now Pay Later services, handing over your plastic doesn’t have to be your only choice.

To help you make the smartest decision for your financial situation, we’re comparing Buy Now Pay Later services with standard credit card options. Let’s dive in!

Read More »

Guide to Opening Financial Accounts for a Child8/4/2022

Opening Financial Accounts For Kids - Mother and child holding a piggy bank

As a parent of young children, you may not be thinking too hard about their financial future when your days are filled with running around a playground, changing diapers, or doing the school run.

But putting money aside for your children, into their own accounts, is one of the best ways that you can set them up for financial success as adults. Whether it’s an opportunity to take advantage of compound interest, or simply a place to stash birthday or holiday checks, it’s best to be prepared and make plans as soon as possible.

Not sure where to start? Here’s a run-through of financial accounts that you can set up for your child, along with some guidance on when and how to fund them.

Read More »

7 Benefits of Joining A Credit Union7/13/2022

Benefits of Joining A Credit Union - Woman handing cash to a financial representative at a credit unionToday’s customers are looking for more than just an institution to help them manage their money. They want to find a place that not only takes care of its members, providing good rates and competitive services, but also contributes to the well-being of their communities, rather than that of their stockholders. Banks and credit unions offer many of the same types of financial services from the outside but are quite different when it comes to how those services are extended and how they ultimately benefit their customers. Keep reading to learn more about the benefits of joining a credit union!

Read More »

14 Ways A Personal Loan Can Help You6/30/2022

How Can A Personal Loan Help You? Image of a man in a suit handing money to another personLife is unpredictable and unexpected or large expenses often come along with that. If you need to borrow money for whatever reason, a personal loan can be a good option.

In this post, we’ll share some of the most common ways that a personal loan can help you and answer questions like “how do personal loans work?” and “what is an unsecured personal loan?” before you start your loan application.

Read More »

How To Pay Off Your Mortgage Faster6/3/2022

Pay Off Your Mortgage Faster - Image of a person holding a tiny house with keys

Owning a home is a big milestone for many people but taking on a mortgage can be overwhelming at times. It can sometimes feel like you’ll be paying off your house forever. 

But there are plenty of ways that you can make a significant dent in the amount you owe, without having to spend too much extra money. Read on to find out how to pay off your mortgage faster and become a debt-free homeowner.

Read More »

How to Avoid Payment App Scams 5/9/2022

Avoid Payment App Scams - Image of a smart phone with Payment apps and social media icons on the screenFrom puppy scams to fake giveaways, payment app scams have increased in both creativity and number over the past few years. In a recent interview, Better Business Bureau CEO Steve McFarland explained the magnitude of the situation: “At the BBB we get over 1,000 complaints per day…there are scammers galore now on the internet and we’ve seen an exponential increase in scams.”

In this post we’ll share details of the most common payment app scams, so you know exactly what to avoid, as well as what to do if you ever find yourself a victim of one of the fastest growing areas of fraud in the world.


Read More »

Financing vs. Leasing A Car 4/4/2022

What's the difference between financing and lasing a car - Image of a couple shaking hands with a car dealer

Getting a new or new-to-you car can be an exciting time. However, unless you’re prepared to pay cash for your next ride, you’ll need to decide whether to lease or finance your vehicle. With car prices rising in recent years, leasing a new car may be more attractive or affordable than buying one. However, there are pros and cons associated with both buying and leasing. What’s right for you will depend on a variety of factors. Keep reading to learn everything you need to know to choose between financing or leasing your next vehicle.

Read More »

How to Pay for Home Renovations3/16/2022

How Renovation Loans - Image of a miniature home and construction workers sitting on top of money

Before you can start transforming your dream home, you need to determine how to pay for home renovations. Unless you have a large amount of cash sitting around, start looking at the best options for home renovation loans. You can pay for home renovations with a home equity loan, mortgage refinance, personal loan, or even credit cards. 

Read More »

How To Create The Best Savings Strategy For You2/8/2022

Create The Best Savings Strategy For You - image of a piggy bank and coins

Time To Refresh Your Savings Strategy!

The start of a new year is a great time to review your annual savings goals and create a savings strategy for the new year. Whether you’re just starting to build your emergency fund or you have your eye on retirement savings, this article will show you how to assess your current situation, identify savings goals, and act on the best savings strategies to reach your goals.

Read More »

Choosing the Right Checking Account 1/11/2022

How To Choose The Best Checking Account - Woman looking at a checkbook and calculator

Whether you’re shopping for your first checking account or looking to upgrade to a rewards checking account, you probably want convenience and no (or low) fees. In this article, we’ll help you compare checking accounts by breaking down the three primary account types. There may be a lot of options out there, but we’ll help you find the best checking account for your specific needs. Keep reading to learn about the advantages and benefits of high-interest checking, cash backchecking, and basic checking accounts. 

Read More »

7 Reasons to Shop with A Credit Card This Holiday Season12/8/2021

7 Reasons To Shop With A Credit Card - Image of woman at a store paying with her credit card

Does holiday shopping stress you out? From dealing with crowds at the mall to worrying over whether you got the best deal, shopping for all the people on your gift list can feel like a lot of work. However, it doesn’t have to be stressful. When used responsibly, a credit card offers many benefits for your holiday shopping. Keep reading to learn how shopping with a credit card can make your life easier this holiday season!

Read More »

First-Time Homeowners Checklist for Winterizing Your Home11/18/2021

First Time Homeowners: How To Winterize Your Home - Image of a house covered in snow

As a first-time homeowner, there can be much excitement about decorating and settling into your new home. There may also be some unwelcome surprises such as repairs and minor issues you didn’t notice during the walk-through. Luckily, you can head off some of the biggest potential problems, such as a broken furnace, by winterizing your home in advance. Follow this checklist to prepare for your first winter as a new homeowner! 

Read More »

How to Safely Manage Your Financial Accounts Online10/15/2021

Safely Mange Your Finances Online - Image of a man looking at a laptopFrom Zoom happy hours to grocery delivery, living more and more of your life online also means protecting your finances from digital threats. As of 2021, almost 65% of Americans use online banking. That trend shows no sign of slowing down, so it’s important to learn how to stay safe while using online and mobile banking. Keep reading to discover our best tips for protecting your financial information online!


Read More »

Financing A Car Through a Credit Union vs. a Car Dealer9/17/2021

Financing A Car With A Credit Union - Lender handing car keys to a borrowerBuying a new or new-to-you car can feel overwhelming, especially if it’s your first time. Should you go to the dealership or buy from a private seller?  And what about financing? In this article, we’ll explain how to get a car loan and the pros and cons of getting pre-approved from a credit union vs. getting financing from the dealership. 

Read More »

Guide To Student Loan Options8/23/2021

Student Loan Options - Image of a high school student reviewing a book and taking notes

In this article, we’ll explain everything you need to know about federal and private student loans including how to apply, how they work, and what to expect in repayment.

Read More »

Now Is The Time To Sign Up For Online Banking6/7/2021

It's Time To Sign Up For Online Banking - Image of a laptop and phone with the Palisades Mobile Banking Site and App openDespite the growing popularity of mobile services, many Americans still have not tried online banking. If you’re one of the few that has been holding off on digital banking tools, now is a great time to sign up for online banking.

Read More »

Traveling Safely During The Pandemic5/12/2021

Summer 2021 Travel Safety Tips - Woman with luggage standing at a train station holding a map With many Americans forced to stay at home last year, plans for travel and vacation were canceled or put on hold. Now, as the country reopens, many Americans will jump at the chance to take a vacation this year. Here are some tips to help you plan your vacation and travel safely during the pandemic.

Read More »

The Difference Between a Home Equity Loan and a Home Equity Line of Credit4/9/2021

Home Equity Loan vs. Home Equity Line of Credit - Image of a seesaw with a house on one side and coins on the otherIf you need to borrow money and own equity in your home, either a home equity loan or a home equity line of credit may be a good option. What is the difference between a home equity loan and a home equity line of credit, and which one is right for you? Read more to find out. 

Read More »

Consolidate Your Debt in 20212/18/2021

2021 Debt Consolidation Plan Even if you’re not stressed about the amount of debt you have, making multiple monthly payments to different accounts can be difficult to keep track of. Debt consolidation can help you organize your debt and make it easier to pay off your various balances. Keep reading to learn more about debt consolidation and how it can help you!

Read More »

When is the best time to apply for a mortgage? 1/13/2021

Best Time to Apply for a Mortgage - couple applying for a mortgage When is the best time to apply for a mortgage? Although winter isn’t traditionally the most popular time to move, there are some significant benefits to early-year homebuying. In addition to low mortgage rates, the overall market is slower, which means there’s less competition from other buyers, leading to lower sales prices.  Here are some tips to help you decide when is the right time to apply for a mortgage. 


Read More »

Prepare Your Child For Their Future With Student Savings and Checking Accounts 11/20/2020

New School Year, New Savings PlansBack to school season can feel like a fresh start for everyone. We’ve settled into the new school year.  Now is the time to help your kids, teens, and young adults get their finances in order and set goals and habits for the coming year. Whether you’re homeschooling or sending your kids to in-person school this year, we’ll help you break down the ABCs of saving and spending.

Read More »

How To Save For Your First Home9/10/2020

Saving for your first home - couple looking at a house

First-time homebuyers make up about half of the home purchase mortgage market. But how do you get from Point A (renting or living with family) to Point B (proud new homeowner)?

The answer largely has to do with saving. Because buying a home requires some upfront cash for a down payment and closing costs, you need to figure out what you can afford to spend on a house and then save up enough for closing.

Read More »

What are the Benefits of Mobile Banking?8/17/2020

Benefits of Mobile Banking - Woman looking at her cellphoneIt's become essential to be able to conduct some tasks remotely, such as banking, instead of visiting a physical location. What are the benefits of mobile banking? 

Read More »

What are the Benefits of Online Banking?7/24/2020

Benefits of Online Banking - Man sittiong on the couch using a laptopAs the nation’s COVID-19 response continues to limit face-to-face financial services, many of our customers are exploring online banking for the first time. What started as a convenience has now become a necessity for our community.

Read More »

Key Money Moves During the Pandemic6/15/2020

Money moves to consider during a pandemic - couple looking at papers and a laptopTake stock of your financial situation and figure out what (and what not) to do with your money. Keep reading for a variety of tips to meet different situations and needs!

Read More »

Everything You Need to Know About Home Loans6/12/2020

Everything You Need to Know About Home Loans

Looking for a home loan in one of our service areas? Before you Here's everything you need to know about home loans before you begin the mortgage application process.

Read More »

How To Recognize And Protect Yourself From Scams3/17/2020


Scammers are always trying to con victims out of their information and money. They are, unfortunately, often successful. Here at Palisades Credit Union, our biggest priority is your financial wellness, and that includes keeping you and your money safe. To help you achieve it, we’ve put together this guide about recognizing the signs of fraud and protecting yourself from scams.

Read More »

A Guide to Designating and Updating Your Beneficiaries3/10/2020

Guide to Designating and Updating Your Beneficiaries

When was the last time you updated the designated beneficiaries on your insurance policies and retirement accounts?

Read More »

Cybersecurity Best Practices for Kids and Teens1/29/2020

Common online dangers for kids and teens

At Palisades Credit Union, we care deeply about the security and privacy of our customers and their families.

Read More »

7 Good Money Habits to Teach Your Kids10/23/2019

happy family at the table with piggy bank

Looking back on your own childhood, what did you learn about money and how did you learn it? Perhaps you held part-time jobs from an early age to cover your personal expenses, save for college, or buy a car. Did you have an allowance?

Read More »

Is a New or Used Car Right for Me?1/19/2019

Are you buying a car in 2019?


If so then you may have to decide whether a used or new car will be right for you and your needs.

Read More »

Ditch Debt This Year!1/8/2019

In 2017, 28% of Americans made their New Year’s Resolution to pay down debt.


If this was your resolution too read on for our five tips to make 2019 the year you ditch debt for good!

Read More »

Save More Money in 2019!1/3/2019

Was one of your resolutions for this year to save more money?

Save More

Here are some of our best tips and tricks to help you save more and achieve your financial goals this year.

Read More »

Save on Your Heating Bill With These Tips!12/5/2018

Are you looking to cut costs this holiday season?

snow-covered house

Or did you just have sticker shock the last time you opened your heating bill? No matter what your reason, you can save money on your monthly heating bill with these tips.

Read More »

Be Smart When Paying with your Smart Phone12/5/2018

Are you using your smart phone or a mobile wallet to pay for purchases over the holiday season?

Be Smart When Paying with your Phone

The ease and convenience of these options have made them increasingly popular in the past years. Some experts say that paying with a smart phone can even be more secure than paying with credit or debit cards. But that doesn’t mean they are immune to fraud. Here’s what to look out for and ways to protect your identity when paying with a smart phone.

Read More »

Save Money on Last Minute Gifts12/5/2018

It happens to the best of us, it’s just three days before Christmas and you’re still not done shopping for gifts.

Save Money on Lat Minute Gifts

If you’re scrambling to get gifts and stick to your budget here are some tips. And don’t worry, there are no DIY presents on this list!

Read More »

Is Debt Consolidation or Forgiveness Right For you?11/28/2018

Are you in debt?

Consolidation vs. Forgiveness

You’re not alone. Nearly ¾ of all Americans have debt, including mortgages, student loans, credit card, auto and medical debt. If you’re struggling with debt there may be options available to you. Read on to learn more about debt forgiveness and debt consolidation and see which one is right for you.

Read More »

Thanksgiving on a Budget11/16/2018

Thanksgiving may not be known as the most expensive holiday in the winter season, but costs can add up quickly.

Thanksgiving on a Budget

Between travel, décor, and dinner it’s easy to go ham and overspend. Use these tips from PCU to host a great Thanksgiving on a budget!

Read More »

Holiday Survival Guide11/8/2018

From worrying about your waistline to your wallet, there are many reasons the holidays can be stressful.

Holiday Survival Guide: week by week advice tohelp you  survive the holidays

Thankfully, we’ve put together a Holiday Survival Guide that gives you weekly action items. So, you can spend more time celebrating with friends and family this holiday season.

Read More »

Welcome RTCFCU members to Palisades! 10/16/2018

Change is always welcomed at Palisades Credit Union as well as new memberships.

Read More »

International Credit Union Day: Celebrate Credit Unions with PCU!10/9/2018

October 18, 2018 will mark the 70th anniversary of International Credit Union Day.

International Credit Union Day

This year’s theme is “Find Your Platinum Lining.” It combines the traditional gift of platinum for 70th anniversaries with a play on the saying “every cloud has a silver lining.”

Read More »

How to Buy A Used Car9/18/2018

Buying a used car can be a confusing or daunting process, especially if you’ve never bought a car before.

6 Steps to Buy an Used Car

And with nearly 40 million used cars sold a year, how do you know you’re making the best choice for you? Keep reading to see our tips for buying a used car you’ll love at a price you’ll love!

Read More »

Fact or Fiction: Common Credit Union Myths9/18/2018

Credit Unions have been around for over 100 years, but there is still a lot of misinformation surrounding them.

Myth: I can only use PCU ATMs

Below are seven common credit union myths including PCU and how we prove them wrong!

Read More »

How Can I Pay Off my Credit Card Debt Faster?9/5/2018

Do you have credit card debt?


How to Pay off  Credit Card Debt Faster - Image of a person typing on a computer holding their credit card

You’re not alone — 50% of consumers in the U.S. have credit card debt. If you have credit card debt, it can be a monthly burden on you and your family, so here are three tips to help you pay off your credit card debt faster.

Read More »

Can You Pass Our Financial Literacy Quiz?9/5/2018

Only one-third of Americans can pass a basic financial literacy quiz.

Financial Literacy Quiz - Box that says "Quiz" with a question mark

Do you think you can do better? Take our financial literacy quiz below and get three or more questions right to pass. Ready to begin…

Read More »

Freshmen Finances: Financial Essentials for First-Time College Students9/5/2018

College is an exciting time where you will be trying and learning many new things.

Freshmen Finances: What Every College Freshman Should Do with their Finances

Make sure you learn how to take care of your finances while you’re away from home for the first time! Read on to see what PCU recommends for every college freshman.

Read More »

Stay Safe Online: Cyber Security Tips from PCU7/26/2018

Last month Timehop announced it had been the target of a security breach that affected millions of people.

Cyber Security Tips: 5 thigns to Help Protect You Online

It seems that there are more and more security breaches that can compromise your identity and lead to identity theft. Here are some tips to help protect you and your identity online!

Read More »

College Majors That Pay!7/26/2018

Everyone knows going to college is a great way to make money.

College Majors that Pay: 7 Majors with the highest earning power

A recent study found college graduates earn $1 million more in their lifetime than high school graduates. But some majors earn more money than others. Here are some of the highest paying college majors!

Read More »

Should I Get a Store Credit Card?7/26/2018

You’ve probably been asked when checking out if you would like to save 10, 15, and even 20% off your total, by getting a store credit card.

Store Credit Cards: are store credit cards a good deal or shoudl they be avoided?

While this discount can be very tempting, are store credit cards worth it in the long run? Read on to find out!

Read More »

Tips for First Time Home Buyers6/29/2018

Becoming a home owner for the first time is a momentous occasion, but it can also be a little intimidating.

Tips for First Time Home Buyers

If you want to become a homeowner but don’t know where to start, here are some tips for making the most of your home search.

Read More »

Going on Vacation? Use These Tips to Save6/27/2018

Summer vacations are super fun, but they can be expensive!

Save Money on Your Vacation:Save money while traveilling this summer

The best way to save money is to plan and save up for it accordingly, but even if you haven’t, you can still save money while on your trip. Use these tips to save while you’re gone and remember to let PCU know where you’re going so there’s no interruption in your service!

Read More »

10 Mortgage Terms You Need to Know6/27/2018

Buying a home and getting a mortgage will be one of the biggest financial decisions of your life!

10 Mortgage Terms You Need to Know

Whether this is your first home or you’re a seasoned pro who just needs a refresher, here are the terms you need to know to help you make the most of your mortgage!

Read More »

Credit Card Dos and don'ts6/27/2018

Credit cards can be a great tool to help you and your finances – if you know how to use them properly.

Credit Card Dos and Don'ts

Whether you’ve never had a credit card before or just want to take better care of your credit card, here are our six credit card dos and don’ts to help you!

Read More »

Traveling Tips6/11/2018

Summer is quickly approaching.

Whether you’re planning a family vacation or just want to escape abroad here are some tips to help prepare to spend money internationally.

Read More »

Make the Most of Your First Paycheck6/4/2018

If you just graduated college, congratulations!

Set Yourself up for Sucess from your First Paycheck

Like thousands of other recent college alumni, you may be starting your first full-time, salaried job and earning your first paycheck. Here are a couple things you can do now, to make sure you set yourself up for financial success for now and later!

Read More »

The Best Budget for You5/25/2018

Build The Perfect Budget - close up of a person with a calculator and spreadsheets

Making and sticking to a budget is one of the most important steps to taking control of your finances and achieving your goals, but many Americans can’t stick with it. Help yourself succeed by choosing a budget that fits your lifestyle!

Read More »

How Much Does College Cost and How Can I Pay For it? 5/25/2018

How Much Does College Cost?

The cost of college has been steadily rising for years, and a four-year degree is no small expense. For the 2017-18 school year the average cost of a bachelor’s degree ranged from $9,970 for an in-state public school to $34,740 for a private school degree. This estimate only covers the cost of tuition, but there are many other expenses to consider when paying for college, like fees, supplies, room and board, and everyday living expenses. For example, for a private college in New York City, they estimate you will have to spend an extra $10,00 - $20,000 a year to cover room and board and all other associated college costs. As you can see, the cost of college can vary greatly, but no matter where you go, college is not cheap. So, how can you pay for college?

Read More »

Can You Afford Your Dream Vacation?5/22/2018

Everyone deserves a great vacation occasionally, but it’s no secret that traveling is not cheap.

Do you know how much it costs to travel to popular vacation destinations? Keep reading to see what it costs to have a dream vacation, and how you can afford it.

Read More »

Stress Less: Five Tips to Take the Stress out of Finances4/26/2018

For many Americans, money can be of the biggest causes of stress.

Since April is Stress Awareness Month, we’re sharing five tips for ways you can take the stress out of your financial planning.

Read More »

The Best Home Upgrades to Increase Your Home Value4/14/2018

One of the biggest investments you will ever make is the purchase of a home.

You want to make the most of your investment, so consider one of these home projects to add value to your home!

Read More »

Are You Prepared for a Rainy Day: How to Build an Emergency Fund4/6/2018

How to Build An Emergency Fund - $100 bills with a note that says Emergency Fund

An emergency fund is a savings account that is there for a rainy day. It can help you cover major unexpected expenses like car repairs, medical bills, and even unemployment. You need an emergency fund because it provides a buffer in situations that may otherwise have you take out high interest loans or increase your credit card debt. If you already have those kinds of obligations or don’t have any savings at all, an emergency fund is essential to your financial health!

Read More »

Put All Your Eggs in One Basket3/23/2018

Did you know that one in three Americans has nothing saved for retirement?

While it is better to start saving for retirement sooner rather than later, it is never too late to start saving. The best way to begin saving for your retirement is through an Individual Retirement Account or IRA.

Read More »

7 Smart Things to do With Your Tax Refund in 20183/15/2018

You may not look forward to doing your taxes, but you probably look forward to getting your tax refund.

But before you start spending your refund on impulse buys, consider putting your refund to good use and ensuring your financial stability for the future. Here are seven smart things to do with your tax refund this year.

Read More »

Create and Stick to a Wedding Budget3/6/2018

Spring brings new life, beautiful blooms — and the start of wedding season!

How To Create A Wedding Budget - Person putting cash in a jar that says Wedding on itWarmer months are the most popular time of the year to get married, and the average wedding has increased in the past 5 years. You don’t need to spend thousands of dollars to have your dream wedding, but you should be prepared no matter what your budget is. Before you start picking out colors and venues, here are our tips to help you create and stay on budget for your big day!

Read More »

Choose Credit Unions2/9/2018

You may have heard that last month, one of the big banks announced they will no longer offer free checking for customers with low balances.

This decision prompted many people to look for alternative ways to bank. Credit Unions, like Palisades CU, are a great option for people who are worried about being charged to bank at big banks or want to bank with people that know and care about them. So, what is a credit union and what advantages do they offer?

Read More »

Valentine's on a Dime2/3/2018

Flowers. Chocolate. Dinner and a movie?!

Expectations may be high on Valentine’s day but that doesn’t mean the bill has to be too! Here are some ideas for any budget to make this a Valentine’s Day to remember.

Read More »

Get Organized with Palisades CU1/17/2018

This year Palisades CU can help you get — and stay — organized!

Our online and mobile banking system was designed for people that are always on the go, like you! If you enroll in online banking you will you have less errands to run, less paper cluttering your house, and fewer due dates to remember every month. If you’re ready to have peace of mind when it comes to your finances read more about how online banking and all the services it comes with was made for you!

Read More »

10 Ways to Make Your Resolutions Stick1/6/2018

Did you know only 8% of Americans achieve their New Years resolutions?

While 40% of Americans make resolutions on January 1st, very few actually stick to them. There are many reasons why resolutions may fail, like they’re too lofty or not being specific. Sometimes 12 months is just too daunting! If you want to be one of the 8% who achieve their goals, here are 10 tips to make your resolution stick this year.

Read More »

Four Financial Resolutions to Try This Year1/2/2018

Many people think of the New Year as a time to get in shape, but have you ever considered getting your wallet into shape?

With the fresh start of a new year, now could be a great time for you to tackle some new resolutions that can help your finances and secure your future! Here are four attainable financial resolutions for you to try in 2018.

Read More »

Savings Tips for 40s, 50s and 60s12/27/2017

Our last blog focused on savings in your 20’s and 30’s.

This week were giving you some tips on how to save in your 40’s, 50’s and 60’s. Your life can change a lot in these decades, but saving is just as important now as it was earlier in life, and it’s time to get serious about saving for retirement. Read on to see our simple tips to help you save and plan for your future.

Read More »

Savings Tips for People in their 20s and 30s12/21/2017

Saving money is an important step to take to plan for your future and to be financially secure in life.

But did you know, the way you save in your 20’s and our 60’s could look completely different? The one thing that will remain the same through out the years is the importance of saving! So no matter where you are in life, it’s never too soon to start your savings journey. Here is the first of two blogs on saving for any age, with some tips to help you start saving.

Read More »

Buying A Car For The Holidays?12/11/2017

Many people purchase cars for the holidays for a variety of reasons.

Some people give cars as gifts to loved ones and others just take advantage of all the sales and end of year pricing happening on car lots at this time of year. If you are purchasing car this holiday season you’ll want to make sure you walk in prepared to get the best deal, so we’ve put together a list of tips to help you buy a car this holiday season.

Read More »

Money Saving Tips for the Holidays11/17/2017

The holidays are a great time to reconnect with friends and family, enjoy time together and are generally considered a time of cheer and good tidings.

But for some the holidays can be stressful, due to the amount of money spent around the holidays. The National Retail Federation predicts Americans will spend over 670 million around the holidays in 2017, and in 2016 the average American spent $929 on gifts. Don’t let the spirit of giving get the best of you and your finances. Here are six ways to help you save money on gifts and other expenses this holiday season.

Read More »

Start Saving Young11/15/2017

Saving money is an important step to building wealth and having financial security in your future, and it’s never too soon to start teaching your kids good saving habits.

Building good habits when they’re young can help ensure your child’s future and will enable them to make sound decisions with their money when they go to college or leave the home. You have a huge part in helping shape these habits, and it’s never too soon to start! Use these six tips to help your kids start building good saving habits now.

Read More »

Now is the Time to Buy a New Home11/13/2017

Winter is not a popular time to move.

In fact, most Americans move between May and September. While the idea of moving in the cold months and possibly having to deal with adverse weather conditions may not be appealing, moving during the winter can save you lots of money. Read on to see the three ways starting your new home search now can save you!

Read More »

Palisades CU Assumes Loans, Assets, and Shares10/30/2017

Palisades Credit Union Assumes Loans, Assets, and Shares

(Pearl River, NY) – The National Credit Union Administration (NCUA) liquidated New York State Employees Federal Credit Union (NYSEFCU) on October 27, 2017. Palisades Credit Union immediately assumed most of New York State Employees Federal Credit Union’s assets and all member shares and loans.

Read More »

New Terms for Home Loans if You Have Student Debt10/24/2017

For many millennials — over 80% in a recent survey — student debt has become a barrier to home ownership.

Despite being in their prime years to buy their first home they expect to delay buying a home by seven years. Earlier this year however home lenders Fannie Mae and Freddie Mac changed some of the requirements to debt-to-income (DTI) ratios. Fannie Mae raised the DTI ceiling from 45% to 50%, which may open the door to home-ownership for many new buyers.

Read More »

Dreams Thrive at Palisades CU10/17/2017

If you are like a majority of Americans banking and finances can be a confusing and even stressful topic.

However, being financially literate is key to having a successful future and knowing you will be able to take care of you and your family’s needs.

Read More »

Three Apps to Help Your Finances10/10/2017

Sticking to a budget is hard, but it is essential to plan for you and your family’s financial health and future.

Thankfully there are dozens of mobile apps that can help you learn more about your spending habits and how to better take care of your finances available. Here’s a list of some of our favorite money apps available to smartphone users, so you can bank smart no matter where you are!

Read More »

Identity Theft and How To Protect Yourself9/11/2017

Protect yourself from identity theft - Image of a thief holding a social security card, drivers license and bank cards

With data breaches becoming more frequent, it is important to understand how to protect yourself.

Identity theft occurs when someone uses your personal information, without your permission, and pretends to be you to commit fraud. It can be hard to notice that you were a victim of identity theft until you review your reports or statements and see charges you didn't make, or are contacted by a debt collector about a debt you don't recognize.

Read More »

5 Ways To Save In College 9/11/2017

College is quite the expense and tuition is only one part of that.

You also need to consider room and board, books, food, and more but don’t let that discourage you! There are plenty of ways to cut costs and save. Keep more money in your wallet by trying these five ways to save in college.

Read More »

Beat! Beep! 9/9/2017

Beat! Beep! Watch us beat your rate!

Beep! Beep! Is there a new car in your future? Finding the perfect vehicle can be a daunting task. Lots of questions come up about what style car are you looking for. What make of the car? What model? But the most common thought is: “how much money is this going to cost?”

Read More »

New ACH Rules9/6/2017

Beginning September 15, 2017, the National Automated Clearing House Association (NACHA) is implementing a Same Day ACH debit program, enabling the same-day processing of virtually any ACH payment.

Only international transactions (IATs) and high-value transactions above $25,000 will be excluded from same-day processing.

Read More »

Wrap Up Summer With Rewards8/28/2017

Wrap Up Summer With Rewards

If you’re looking for a credit card with great benefits, check out our Platinum Rewards MasterCard!

Read More »

Beware: Charging Your Phone In Public May Not Be Safe!8/16/2017

Beware: Charging Your Phone In Public May Not Be Safe!

If you’re like most people, you use your smartphone for everything, everyday! Even if it’s just there in case of emergencies having a charged cellphone can provide a serious sense of security. That’s why when the battery meter starts to tick down, a cold sense of panic rises in your stomach.

Read More »

Feeling Stuck In Your Auto Loan?8/11/2017

Feeling Stuck In Your Auto Loan? Refinance With Palisades CU!

With all the attention paid to refinancing home mortgages, refinancing your auto loan to a better rate may not have even crossed your mind!

Read More »

How to Pay for College7/31/2017

Paying for College - College student walking into a college building How To Pay For College 

While many types of federal student loans exist, freshman college students and their families often find that even the maximum loan amounts are not enough to pay for their education. This blog will explore  how to pay for college when financial aid isn't enough. 

Read More »

How Do Home Appraisals Affect Your Mortgage Loan?7/24/2017

How Do Home Appraisals Affect Your Mortgage Loan?

How Does An Appraisal Affect Your Mortgage Loan - Image of a house

Financing your new home is a process with numerous steps and the home appraisal process is one that can be particularly confusing to first-time home buyers. Learn how an appraisal can affect your mortgage loan. 

Read More »

Ditch Your Bank, Join a Credit Union!7/19/2017

Ditch Your Bank, Join a Credit Union!

Tired of paying bank fees on everything from ATM withdrawals to monthly account maintenance? Want to be earning a better interest rate on your savings account? It might be time to consider switching to a credit union.

Read More »

Missed the FASFA deadline?7/17/2017

Missed the FASFA Deadline? You Still Have Options!

Paying for college can be overwhelming and if you are looking for financial aid to help pay for school, staying on top of all those deadlines can be even more so. Besides keeping track of college application deadlines, scholarship deadlines, and financial aid deadlines, you also need to keep track of the special requirements for each one. It can be difficult to keep it all straight when you have so much going on.

Read More »

Student Loan Myths Busted!6/21/2017

Student Loan Myths Busted!

A recent LendEDU survey of more than 500 college students showed some troubling misconceptions about how student loans work — from the length of repayment plans to what happens if you cannot pay. With so much information and advice about student loans it's easy to be misinformed. Watch out for these five student loan myths.

Read More »

10 Things to Avoid When Applying for A Mortgage6/16/2017

10 Things To Avoid When You Apply For A Mortgage

Buying a home is a long process – sometimes taking months. When you decide you’re ready to buy a home, you’ll (hopefully) examine your own finances closer than you ever have before – because your mortgage underwriter will be looking at your finances even more closely.

Read More »

Guide To Buying A Car6/5/2017

If you’re buying your first vehicle, the process may seem overwhelming.

Maybe you know what you want, but you’re not sure it will fit in your budget. And how do you know you’re getting the best deal? This guide is designed to help you successfully maneuver down the road to your new vehicle and avoid any potholes that could derail the process.

Read More »

Community Expansion6/1/2017

Palisades Credit Union announced today it has received approval of its community charter expansion by the National Credit Union Association (NCUA).

With this approval, Palisades Credit Union will expand its membership to serve “persons who live, work, study, volunteer, or worship Rockland County, New York and Bergen County, New Jersey”. This field of membership expansion was approved effective June 1, 2017.

Read More »

2017 Scholarship Winners5/26/2017

Palisades Credit Union Awards Scholarships to Members

PEARL RIVER, NY – Palisades Credit Union has awarded three thousand dollars ($3,000.00) in college scholarships to five (5) high school seniors to help finance their college education.

Read More »

Buying A Second Home? Here Are Some Things To Consider5/22/2017

Thinking about buying a second home?

Things to Consider When Buying A Second Home - Image of a person holding a tiny house keychainEven in today’s housing market, a second home can be a great long term investment, or a way to earn extra income on the side by renting! However, there are some things to consider when buying a second home.

Read More »

Why Do Banks Charge Fees?5/3/2017

Have you ever been hit with a “minimum balance” fee by your bank only to wonder why you have to pay to access your own money?

Read on to find out why banks charge fees and what your options are!

Read More »

Millennials: Use These 5 Tips To Build Credit5/2/2017

5 Tips To Build Credit - Young woman happily holding a credit card

Millennials may say they don’t want credit or that they have no worries about credit, but in reality, everyone needs to be actively concerned with their credit and credit score.

Read More »

Fund Your Dream Vacation With A Personal Loan From PCU4/21/2017

Travel Loans

Personal loans are most often used to consolidate debt or pay off credit card bills but they can also be used for a world of travel opportunities. Read more to see if a personal loan from Palisades Credit Union is right for you!

Read More »

Student Loan Consolidation vs Refinancing4/21/2017

Learn more about student loan consolidation to determine if consolidating or refinancing your student loans is right for you. 

Read More »

Drive Away With A Low Rate4/13/2017

Drive Away With A Low Rate And More Benefits!

Once you've found the vehicle that fits your needs, make sure your auto loan is also a perfect fit. Learn if the Flex Auto Saver Loan from Palisades Credit Union is right for you!

Read More »

Credit Card Upgrade3/29/2017

Palisades CU is pleased to announce that we are upgrading our credit cards!

In addition to upgrading cards, all credit card information will be accessible through Online Banking.

Read More »

Mortgages: CU vs. Bank3/28/2017

Getting A Mortgage with a Credit Union vs. A Bank

Whether you are a first-time homebuyer or a seasoned veteran, you likely already know that there are many options available when choosing a mortgage lender to buy a new home.

Many people choose large banks or corporations for their mortgages because they feel that they can get a better mortgage rate – but is that really true? Read on to find out and learn about some of the unexpected benefits of working with a credit union. 

Read More »

Spring Into Action3/15/2017

Spring Into Action With A Home Equity Line of Credit (HELOC)

Put your home’s equity to work and get the flexibility you need with a Home Equity Line of Credit (HELOC) from Palisades Credit Union! Whether you want to spruce up your home for spring, plan a vacation or consolidate your debt you can do it on your terms with help from Palisades Credit Union.

Read More »

First Time Home Buyer Tips!3/6/2017

Are you ready to buy your first home?

First Time Home Buyer Tips - Young couple holding keys taking a selfieTaking the steps to buy a home is exciting but it can also be scary if you don’t know what to expect. Take a look at these tips to avoid making common mistakes that could end up putting your new home loan on hold!

Read More »

Funtastic Fundraiser2/7/2017

Palisades Credit Union Partners with Rockland Boulders for Charity

Palisades Credit Union is proud to partner with the Rockland Boulders in their new and exciting fundraiser program that is guaranteed to help area groups and 501(c)3 organizations raise an unprecedented amount of money while enjoying all the fun of a Boulders home game.

Read More »

Saving Rockland Over $2 Million in Interest1/9/2017

Palisades Credit Union Saves Rockland County over $2 Million in Interest

Palisades Credit Union set a goal in 2016 to save Rockland County residents $1 Million in interest on loans with competitive rates. As a community chartered credit union, Palisades wanted to reinvest in its members and the community. The credit union found a way to save its community money by helping members find lower rates for their loans.

Read More »

How to Set Up Direct Deposit12/28/2016

Direct Deposit is a free service that automatically deposits recurring income into your checking or savings account.

Types of deposits that qualify include: salary from your employer, Social Security, pension, retirement plans, the Armed Forces, VA benefits, and annuity or dividend payments.

Read More »

Black Wednesday Sale11/14/2016

Beat the Rush! Black Wednesday Loan Sale

In honor of the biggest shopping season, Palisades CU will host a Black Wednesday Loan Sale to get shoppers ready for Black Friday. You can apply online or in person starting Wednesday, November 23 8AM-5PM EST. Get ready to submit those applications early as rates will increase throughout the day.

Read More »

Travel Tips11/9/2016

Five Travel Tips to Help Make Vacation a Breeze

  1. Sign up for Online Banking
Read More »

Relief for Hurricane Matthew10/7/2016

Palisades Credit Union Offers Relief Loan Special for Hurricane Matthew

(Pearl River, NY) - Palisades Credit Union announced today that they will be offering low rate relief loans to provide assistance to all Rockland county residents who have families that have been affected by Hurricane Matthew.

The Credit Union is offering personal loans at 50% off their standard rates for terms up to 24 months. The loans can be used for anything to help with relief in the affected areas. Through this offer, Palisades CU hopes to help the families of our members who have been affected by Hurricane Matthew.

Relief Loan applications can be taken online and over the phone, please visit to get started. For more information about the loan program visit

About Palisades Credit Union

Palisades Credit Union is a not-for-profit organization founded in 1941 with a vision of building valued relationships through a lifetime of financial solutions. As the largest Rockland County based Credit Union, it operates three branches and provides a suite of full service banking products and services. Membership to Palisades Credit Union is open to anyone who lives, works, studies, volunteers, or worships in Rockland County, New York.

To Refinance or Not To Refinance9/26/2016

To Refinanced or Not To Refinance - Image of a wooden house with a sign that says Refinance Your Mortgage

Have you checked mortgage interest rates lately? If rates happen to be lower than when you bought your home, it may make sense to refinance to a lower rate. Read on to learn more about refinancing to decide whether to refinance or not. 

Read More »

Mystery Shopper Scam8/12/2016

Palisades Federal Credit Union is aware that there is a Mystery Shopper Scam that utilizes fraudulent credit union checks with our logo and credit union information.

Letters are being sent welcoming people to the Mystery Shopper program. Recipients are asked to deposit the fraudulent check into their bank accounts. After completing a few assignments, they are told to keep a set amount as their payment for completing the mystery shop assignments and to send the rest back to the sender.

Read More »

A Home Run For Palisades CU Members6/14/2016

Palisades Credit Union Park

Palisades Credit Union is now offering discounts at Palisades Credit Union Park, home of the Rockland Boulders. By using a Palisades CU debit or rewards credit card you can receive 20% off tickets at the box office, items in the team store, and food& non-alcoholic beverages in the main concession stands.

If you do not already have a checking account with Palisades Credit Union or a debit card, visit one of one of our branches or

Palisades CU Ballpark4/25/2016

Palisades Credit Union Acquires Naming Rights to the Rockland Boulders Ballpark

Fans of the 2015 Can-Am Regular Season Champion Rockland Boulders will find a new community partner on the ballpark this year with the announcement today that Palisades Credit Union has acquired naming rights to the park now to be called Palisades Credit Union Park.

Read More »

Go to main navigation
tr?id=944422258948976&ev=PageView&noscri tr?id=944422258948976&ev=PageView&noscri