Woman standing in thought with hand on chin, thinking, with “401(k)?” And “IRA?” spelt out in navy blue.

IRA vs. 401(k) – What’s the difference?

The world is changing and so are retirement plans. How do you figure out which option is right for you? Here’s what you need to know about 401(k)s and individual retirement accounts (IRAs) to find out what’s the best selection for you and your money
Topics:
Retirement Planning
HELOC helping families

Families helping families: How one HELOC touched many lives

Kindergarten teacher Sarah M. sees a lot of kids. Some can’t afford school supplies. Some are hungry. Some end up sitting in the school office for hours, wondering if they’ll get picked up. When Sarah spotted one of her former students waiting to be
Topics:
Owning a Home
Three essential bank accounts for adults

How many accounts do you really need?

Sophia Bera used to have a savings account for each of her financial goals. Like a squirrel, she stashed a little bit of money into lots of different accounts. It was a lot to keep track of. When the finance columnist started consolidating her
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Basic Finances
Six habits to keep your data safe on campus

Six habits for keeping your data safe on campus

Surviving college is all about developing the right habits. Good study habits help you get good grades. Good spending habits help you stretch your financial aid checks. Good hygiene habits help you get along with your roommate. But what about your
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Privacy & Security
Four financial tips for college students

Four things you need before heading off to college

There are certain must-haves when you’re heading off to college. Most checklists for college students include things like dorm room necessities, study aids, books and similar supplies. But what about your finances? Going to college opens up a whole
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Basic Finances
Tools to avoid holiday overspending

Your No. 1 tool to avoid holiday overspending

The holidays have a way of sneaking up on a lot of us. In all the back-to-school flurry, it’s easy to forget that they’re right around the corner. Between the shopping, the decorating and more last-minute shopping, getting caught unprepared can lead
Topics:
Budgeting & Saving
credit union mortgage

Three reasons to choose a credit union mortgage

If you’re thinking about buying a home, you’ve probably already made a list of must-haves. Maybe you’ve even zeroed in on your preferred neighborhood. But have you thought about who your lender should be? These days, it’s smart to start working with
Topics:
Owning a Home
Traditional versus Roth IRA

What’s the difference between a traditional IRA and a Roth IRA?

A traditional individual retirement account (IRA) and a Roth IRA are two defined-contribution plans with significant — but quite different — tax advantages that can help you save for retirement. Depending on factors like where you are in your career
Topics:
Retirement Planning
Board Elections 2018

OCCU is looking for members passionate about making a difference

The Board of Directors at OCCU serves as the voice of the membership and works with Management to set the strategic direction for the credit union. The Board is responsible for supervising the CEO, monitoring financial performance and ensuring
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Community
Young Asian girl on phone in airport

Five must-have apps for your summer travels

First aid kit? Check. Smartphone charger? Check. Quart-size bag of liquids? Check. If you’re like us, you put a lot of thought into preparing for your trip. Loading your phone with a few key apps can ensure you have all the tools you need to get the
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