Generated by All in One SEO Pro v4.9.6, this is an llms.txt file, used by LLMs to index the site.

# Focus Federal Credit Union

## Sitemaps

- [XML Sitemap](https://focusok.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Repo Vehicles for Sale](https://focusok.com/repo-vehicles-for-sale/) - There are no repossessions available at this time, please check back later. Need a new ride?🚘 Start your car search with First Rate Autos, where every vehicle is backed by the people you trust, because it’s owned and operated by credit unions like Focus Federal Credit Union. First Rate Auto's inventory is a
- [What Is a Credit Union Referral Program and How Does It Work?](https://focusok.com/what-is-a-credit-union-referral-program-and-how-does-it-work/) - Learn how a credit union referral program works, why it benefits you and your friends, and how The Focus Federal Credit Union makes it easy to earn rewards.
- [Can You Shop Around for Mortgage Rates to Save on Your Home Loan?](https://focusok.com/can-you-shop-around-for-mortgage-rates-to-save-on-your-home-loan/) - Shopping around for mortgage rates can save you thousands on your home loan. Learn why comparing lenders matters and how Focus Federal Credit Union can help you find the best rate in Oklahoma.
- [5 Reasons to Get an Auto Loan From a Credit Union Instead of a Bank](https://focusok.com/5-reasons-to-get-an-auto-loan-from-a-credit-union-instead-of-a-bank/) - Explore auto loan options from The Focus Federal Credit Union at First Rate Autos—featuring low rates, flexible terms, and credit-friendly programs like Fresh Start Auto Loans.
- [When Should I Refinance My Mortgage?](https://focusok.com/when-should-i-refinance-my-mortgage/) - Should I refinance my mortgage? Learn how rates, costs, and timing affect savings, and see if refinancing with Focus FCU makes sense for you.
- [Build Better Money Habits: Practical Tips You Can Actually Stick With in the New Year](https://focusok.com/build-better-money-habits-practical-tips-you-can-actually-stick-with-in-the-new-year/) - Ready to improve your finances this year? Discover practical tips to build money habits that stick, brought to you by Focus Federal Credit Union.
- [Crush Your Financial Resolutions: 7 Financial Goals to Tackle in 2026](https://focusok.com/crush-your-financial-resolutions-7-financial-goals-to-tackle-in-2026/) - Make your 2025 financial resolutions count. From budgeting to building credit, discover 7 achievable financial goals to set yourself up for success.
- [Credit Union Protection Plans](https://focusok.com/credit-union-protection-plans/) - Q: What exactly is a credit union protection plan like GAP, mechanical breakdown, and debt protection? A: Purchasing a credit union protection plan can be a great way to ensure your loans and income are covered in any eventuality, but navigating the choices can be confusing. Here’s what you need to know about the protection plans
- [What Banks Offer Second Chance Accounts?](https://focusok.com/what-banks-offer-second-chance-accounts/) - Looking for a second chance checking account? Learn which banks offer them—and why Focus Federal Credit Union is a better choice for rebuilding your finances in Oklahoma.
- [Make More Magic With a Holiday Savings Account](https://focusok.com/make-more-magic-with-a-holiday-savings-account/) - Make your holidays merry and debt-free! Open a Holiday Savings Account at Focus Federal Credit Union and watch your savings grow automatically for gifts, travel, and more.
- [The Best Way To Pay for Holiday Shopping](https://focusok.com/the-best-way-to-pay-for-holiday-shopping/) - Shop smarter this holiday season! Learn the best ways to pay for gifts and travel with low-rate cards and accounts from The Focus Federal Credit Union.
- [Saving on Thanksgiving When Food Costs Are High](https://focusok.com/saving-on-thanksgiving-when-food-costs-are-high/) - Rising food costs making Thanksgiving feel out of reach? Discover smart, budget-friendly ways to save on your holiday meal with help from The Focus Federal Credit Union.
- [Credit Union vs. Bank: What's the Difference and Why It Matters for You](https://focusok.com/credit-union-vs-bank-whats-the-difference/) - Discover the key differences between credit unions and banks. Compare benefits, services, and rates to make the best financial choice for you.
- [How To Use Home Equity to Unlock Your Home's Value](https://focusok.com/how-to-use-home-equity-to-unlock-your-homes-value/) - Discover smart ways to leverage your home equity. Learn about loans, lines of credit, and strategies to make the most of your property's value.
- [What Is a Perfect Credit Score?](https://focusok.com/what-is-a-perfect-credit-score/) - Discover what constitutes a perfect credit score, how to achieve it, and why it matters for your financial future.
- [How Do Car Title Loans Work?](https://focusok.com/how-do-car-title-loans-work/) - Discover the ins and outs of car title loans. Learn how they work, their benefits, risks, and alternatives. Make an informed decision today!
- [What Is an Unsecured Loan? Everything You Need to Know Before You Borrow](https://focusok.com/unsecured-loan-what-it-is-how-it-works-how-to-qualify-for-one/) - Discover what an unsecured loan is, how it works, and if it's right for you. Learn about the benefits, risks, and alternatives to unsecured loans in today's financial landscape.
- [Is a Home Equity Loan a Good Idea?](https://focusok.com/is-a-home-equity-loan-a-good-idea/) - Discover if a home equity loan is right for you. Learn the pros, cons, and alternatives to make an informed decision about tapping into your home's value.
- [Vacation on a Budget](https://focusok.com/budget-vacation/) - 5 Budget-Friendly Vacation Ideas Here we are again, it’s summer time and we have beaches and vacation days in our sights. The harsh reality is, not everyone can afford a vacation. Most Americans are living paycheck to paycheck and don’t have money saved for a “post-worthy” adventure. The good news is, I can give you
- [What Do I need to Know About Today's Real Estate Market?](https://focusok.com/what-do-i-need-to-know-about-todays-real-estate-market/) - Q: The news from today's real estate market can be confusing. What do I need to know as a buyer, a seller, or just an American citizen, about today’s real estate market? A: Trends and stats in real estate are constantly changing, especially during the unstable economy of COVID-19. Here’s all you need to know about
- [What Do I Need to Know About Medicare?](https://focusok.com/what-do-i-need-to-know-about-medicare/) - Q: My 65th birthday is approaching and I’m ready to apply for Medicare. What do I need to know about Medicare before signing up? A: Medicare offers affordable health care coverage to older Americans, but the application process and the various options can be confusing. We have answers to all your questions about Medicare. What do
- [Ukraine Relief Scams](https://focusok.com/ukraine-relief-scams/) - As the military conflict between Russia and Ukraine continues to intensify, the humanitarian crisis is reaching alarming proportions – and people want to help. Individuals across the globe are looking for ways to help Ukrainians during their wartime struggles, primarily by donating money and supplies to charitable funds established for helping Ukraine. Unfortunately, even in
- [Preparing Financially for a New Baby](https://focusok.com/preparing-financially-for-a-new-baby/) - Congratulations! You’ve just gotten the positive pregnancy test results and you’re breathless with excitement — and nerves. Or maybe you’re a few months along, and the mild panic is growing right along with the baby bump. Regardless, a baby means big changes, and some of those changes bring many new expenses. Here are some steps
- [Is Black Friday Still on in 2020?](https://focusok.com/is-black-friday-still-on-in-2020/) - Black Friday has gotten a bad rep in recent years. From shoplifting to stampedes, nothing rings in the holidays more fondly than a couple of soccer moms doing battle in the aisles over the last bargain Barbie on the shelf. Violence aside, though, Black Friday is the high holiday for serial shoppers. Social distancing and
- [If You Hear This, You're Talking to a Tax Scammer](https://focusok.com/if-you-hear-this-youre-talking-to-a-tax-scammer/) - It’s tax season, and scammers are working overtime to get your money. Tax scams are as varied as they are common, but when you know what to look for, you can beat fraudsters at their game and keep them from getting your money and your information. Tax Scams to Watch Out For If you hear
- [How to Turn Your Backyard into an Oasis](https://focusok.com/how-to-turn-your-backyard-into-an-oasis/) - Most of us have spent lots of time at home this spring, and it looks like summer might not be much different. With many attractions still closed and some states seeing a surge in COVID-19 cases, safe travel will be challenging. For many Americans, this means choosing to staycation at home instead of hitting the
- [How to Travel Safely this Summer](https://focusok.com/how-to-travel-safely-this-summer/) - Summer is here, and many Americans are itching for a vacation. But is it possible to travel safely right now? Is an airplane a flying Petri dish to be avoided until the pandemic blows over? Can you take a road trip if it means making rest stops in three different states? Let's talk about how
- [Unlock Your Dream Home: First-Time Homebuyer Guide](https://focusok.com/first-time-home-buyer-education/) - Buying a home for the first time is exciting and a little scary. Even when you know you're ready to buy a house, you might not know where to begin, and you may be anxious about making an expensive mistake. At Focus Federal Credit Union, we’re excited you're interested in learning more about homeownership. Our
- [COVID-19 is Causing a Coin Shortage](https://focusok.com/covid-19-is-causing-a-coin-shortage/) - The COVID-19 Global pandemic caused an initial panic leaving store shelves empty of face masks and toilet paper. Hand sanitizer, cleaning supplies, paper towels, and meat followed quickly in what was fast becoming routine for life during COVID-19. And now, the latest commodity is a coin shortage. Why is Coin Important? Got change? Many financial
- [Celebrate Valentine's Day on a Budget](https://focusok.com/celebrate-valentines-day-on-a-budget/) - Love is in the air and the money is flowing like heart emojis. According to the National Retail Federation, the average American spends $221.34 on Valentine’s Day each year. That’s a lot of money to spend on a one-day celebration! Is there a way to enjoy Valentine's Day on a Budget? Lucky for you, there
- [Black History Month and Credit Unions](https://focusok.com/black-history-month-and-credit-unions/) - Black History Month provides Americans across the country with the opportunity to celebrate the rich history and culture of the Black American people. As a financial cooperative built on the twin values of community and kindness, we anticipate using this month to study Black American history and culture as it relates to finances, banks, and
- [Beware of Debt-Collection Scams](https://focusok.com/beware-of-debt-collection-scams/) - Have you ever gotten a call saying you owe money? Threats that if you don't pay today, you’ll have legal action taken against you? In 2020, the Federal Trade Commission received more than 2.1 million fraud reports from consumers. Debt collection scams generate more fraud reports to the FTC than any other industry. Fraud and
- [8 Side Hustles Anyone Can Do](https://focusok.com/8-side-hustles-anyone-can-do/) - Who wouldn’t love some extra pocket money? Some freelance jobs don’t require any experience and can be done by practically anyone. Plus, some of them might pay you for tasks you’re already doing! These 8 easy side hustles can help you pad your purse. 1. Play with dogs Why not earn some extra cash while
- [7 Apps to Download this Summer](https://focusok.com/7-apps-to-download-this-summer/) - Apps To Download This Summer Summer 2020 will be different from any other. We’ll be packing face masks along with our sunscreen and picking up our favorite takeout dinners to go instead of eating in restaurants. Lots of summertime attractions will only allow a limited number of guests on the premises at any one time,
- [21 Ways to Celebrate National Hispanic Heritage Month](https://focusok.com/21-ways-to-celebrate-national-hispanic-heritage-month/) - National Hispanic Heritage Month is observed annually from Sept. 15 through Oct. 15. Since 1968, the month has offered Americans the opportunity to celebrate the unique histories, cultures, and contributions of American citizens whose ancestors came from Spain, Mexico, the Caribbean, and Central and South America. Join in the festivities with these 21 ways we’ve
- [Steps to Take When Your Credit Card's Been Frauded](https://focusok.com/steps-to-take-when-your-credit-cards-been-frauded/) - Suspect credit card fraud? Follow Focus FCU’s essential steps to protect your account and identity—what to do, who to call, and how to stay secure now.
- [How Can I Beat Inflation and Save on Back-to-School Shopping?](https://focusok.com/how-can-i-beat-inflation-and-save-on-back-to-school-shopping/) - Beat inflation with smart back-to-school savings tips from Focus FCU—budget hacks, deals, & more. Learn how to save on school shopping today and spend smarter!
- [15 Fun Gifts for Dad that Don't Break the Budget](https://focusok.com/15-fun-gifts-for-dad-that-dont-break-the-budget/) - It’s Dad’s time, and you want to go all out to make your all-time favorite hero happy. Fortunately, that doesn’t mean you need to drain your wallet. You can make Dad’s day, and keep your budget, too. Here are 15 fun and low-cost gifts that’ll make Dad smile this Father’s Day. iPhone, Apple Watch, and
- [The Importance of Saving for a Rainy Day](https://focusok.com/the-importance-of-saving-for-a-rainy-day/) - When life is comfortable and things are going well, it’s hard to think about the importance of saving for a rainy day. But failing to plan for stormier days can have a devastating impact on your financial health. Life is full of surprises, and some of them can be expensive. Whether it’s a medical emergency,
- [5 Options to Get Out of Your Upside-Down Car Loan](https://focusok.com/5-steps-to-get-out-of-your-upside-down-car/) - Struggling with an upside down car loan? Learn how to manage negative equity, explore refinancing options, and get back on track financially.
- [A Guide to Using Credit Cards Responsibly](https://focusok.com/your-complete-guide-to-using-your-credit-cards/) - Discover smart strategies for using credit cards wisely. Learn how to maximize rewards, manage debt, and build credit while avoiding common pitfalls.
- [What Mortgage Can I Afford? Understanding Mortgage Affordability](https://focusok.com/what-mortgage-can-i-afford-understanding-mortgage-affordability/) - Buying a house is a huge undertaking. When looking for a new home, it's easy to get excited about kitchens and bathrooms and forget about the financing. You need to be realistic about what you can afford. You need to evaluate your finances and priorities and ask yourself, “What mortgage can I afford?” Learning mortgage
- [Master Your Finances: How to Budget with Irregular Income](https://focusok.com/master-your-finances-how-to-budget-with-irregular-income/) - The gig economy has changed the nature of work. Millions of people are now employed on a temporary or contract basis. Increasingly, even workers with full-time salaried jobs are relying on side hustles. It could be selling on eBay or Etsy, renting your apartment on VRBO, driving for Uber or Lyft, being a contract employee,
- [Don’t Let Storm Shelter Costs Leave Your Family Unprotected](https://focusok.com/dont-let-storm-shelter-costs-leave-your-family-unprotected/) - Find out the true storm shelter cost and protect your family from dangerous weather conditions. Get a quote now and ensure your safety.
- [Saving On Home Renovations](https://focusok.com/saving-on-home-renovations/) - Is your kitchen in desperate need of a facelift? Bathrooms haven’t been remodeled since Bush was in the White House? (And we’re not saying which one!) With the warmer weather approaching, many homeowners are thinking of making minor and major household improvements. And for most, the cost will be prohibitive: The average kitchen remodel tops $60,000
- [Q&A: How Should I Fund a Home Improvement Project?](https://focusok.com/qa-how-should-i-fund-a-home-improvement-project/) - Q: I’m planning to renovate my home and wondering about my financing options. What’s the best way to pay for a home improvement project? A: Home renovations can breathe new life into your living space, enhance your property’s value, and customize your home to your unique needs. Whether you’re upgrading the kitchen, adding a new room, or
- [Spring Clean Your Finances: 8 Simple Steps for a Fresh Start](https://focusok.com/spring-clean-your-finances/) - Spring is the time to clear the junk and make your home sparkle. Why not do the same for your finances? A spring refresh to tidy your finances can help you shave unnecessary expenses and save a bit of extra cash each month. It's also a great time to evaluate your long-term financial goals. Here’s
- [What Is Debt Consolidation, and Why Is It Helpful?](https://focusok.com/what-is-debt-consolidation-and-why-is-it-helpful/) - Debt is a big worry lingering in your mind, even if you're good at ignoring it. Credit card balances, student loans, car payments, and medical bills add up, making you feel stuck with limited options. Consider debt consolidation if you face large balances that will take decades to pay off. Consolidating payments can help you
- [Beware Vacation Scams](https://focusok.com/beware-vacation-scams/) - Vacations are the stuff that dreams are made of, but scammers want to turn those dreams into your worst nightmare. Vacationers tend to be relaxed, so scammers take full advantage of this to con them out of their money. Let’s take a look at some of the more common vacation scams and how to avoid
- [Travel Hack - Choose a Flexible Vacation Date](https://focusok.com/travel-hack-choose-a-flexible-vacation-date/) - If you’re planning a dream getaway, you don’t have to plan on spending a boatload of money. An easy way to bring down costs while still enjoying the vacation of a lifetime is to be flexible with your vacation date. Let’s take a look at this travel hack and why your vacation date has such
- [All You Need to Know About Spoofing Scams](https://focusok.com/all-you-need-to-know-about-spoofing-scams/) - Scammers have been at their game since time immemorial, but modern technology has weaponized them in new and dangerous ways. In particular, spoofing has become more sophisticated and difficult to spot. Let’s take a look at spoofing, how it works and red flags that can alert you to a possible spoofing scam. Here's all you
- [7 Tips for How to Get Out of Debt Quickly](https://focusok.com/how-to-get-out-of-debt-fast-9-tips-that-work/) - Debt can be used to your advantage, but more often, it holds you back from reaching your goals. You've heard the advice: cut up your credit cards, stop eating out, give DIY gifts. Those tips may work for some, but to really make a dent in your debt, you need to do more. Tackling your
- [7 Scams To Watch Out for This Holiday Season](https://focusok.com/7-scams-to-watch-out-for-this-holiday-season/) - ‘Tis the season to be jolly! And unfortunately, ‘tis also the season for scammers to go after your hard-earned dollars. Keep your money safe by reading up on the 7 scams to watch out for this holiday season and practice caution. 1. Phishing emails Always popular, phishing scams get even more prevalent before the holidays.
- [What Are Some Side Hustles I Can Do This Holiday Season?](https://focusok.com/what-are-some-side-hustles-i-can-do-this-holiday-season/) - Q: This time of year can get expensive, so I’d love to pad my pockets with some extra cash. What are some side hustles I can do during the holiday season? A: The holiday season can take a toll on anyone’s budget. Trying to make up for the deficit with some extra funds can be a fabulous
- [Using Credit Union Service Locations](https://focusok.com/using-credit-union-service-stations/) - Accessing your money should be a simple, convenient experience. You want access to digital and physical banking options, whether running errands, on vacation, or facing an emergency. Credit union service stations, also known as shared branches, are a group of branches allowing members to process transactions at any participating location. If your credit union is
- [All You Need to Know About Annuities](https://focusok.com/all-you-need-to-know-about-annuities/) - Annuities can be a valuable financial tool when planning for retirement. They provide a way to ensure a steady income stream during your retirement years, offering some peace of mind that you won’t outlive your savings. However, annuities can be complex, so it’s important to understand their features, benefits, and potential drawbacks before deciding if
- [Finding a Signature Loan in OKC](https://focusok.com/finding-a-signature-loan-in-oklahoma-city/) - Are you looking for a personal loan that's easy to obtain with few limitations? Finding a signature loan in OKC may be the answer. A signature loan, also called a character or good faith loan, offers a fixed rate for a designated term and is secured by your signature. You will not have to provide
- [Financial Literacy Month](https://focusok.com/financial-literacy-month/) - Financial literacy is the ability to understand and use financial skills, including responsible money management, budgeting, saving, and investing for the future. Let’s take a deeper look at Financial Literacy Month along with some ways to become more financially literate for managing our money responsibly all year long. The history of Financial Literacy Month In
- [Teaching Kids to Set Savings Goals](https://focusok.com/teach-kids-to-set-savings-goals/) - The habit of saving money is a valuable life skill. As younger people fall faster into credit card and auto loan debt, sharing financial knowledge early and teaching them about savings goals will set your kids up for success later in life. Financial literacy involves understanding budgeting, saving, investing, debt, and credit. Parents can be
- [Three Common Money Mistakes People Make](https://focusok.com/three-common-money-mistakes-people-make/) - Everyone wants to manage their money responsibly, but many people often make mistakes in ways they handle money – without even realizing it. They may have fallen into a bad habit they can’t shake off, or they may be misinformed or less educated in a certain area. The good news is, harmful behaviors can always
- [Retirement Primer: Things to Know About Trust Funds](https://focusok.com/retirement-primer-things-to-know-about-trust-funds/) - While most people think about wills when they think about estate planning, a will is only one part of establishing a plan for your estate. Here are five things to know about trust funds. A will is a contract between you and your heirs that is enforced by the state. It does the job, but it’s
- [Car Finance: An Easy Button](https://focusok.com/car-finance-an-easy-button/) - Buying a new car is exciting, but as soon as you have to think about car finance the anxiety starts to build. Not knowing which car you can afford or if a lender will let you borrow can cause feelings of dread. Driving around town, or multiple towns finding the right vehicle at the right
- [10 Back-to-School Hacks to Beat Inflation](https://focusok.com/10-back-to-school-hacks-to-beat-inflation/) - Back-to-school season is here, and this year, the second-biggest shopping season will be more expensive than ever. With inflation still at all-time highs, the supplies and gear you always buy may cost a lot more than you paid just a year or two ago. No worries, though. There are still ways to trim your back-to-school spending
- [Why You Should Be A Member At Focus Federal Credit Union](https://focusok.com/why-you-should-be-a-member-at-focus-federal-credit-union/) - Focus Federal Credit Union is a non-profit organization. This designation means we get to prioritize our members instead of focusing on profit margins. With over 65 years of experience in customer satisfaction and financial service, we have the prowess and the technology to solve any financial situation. We want to see our members and the
- [Why Use a Credit Union?](https://focusok.com/why-use-a-credit-union/) - You see several big banks, regional banks, and community banks, yet one or two credit unions in the area, so how do you choose the right fit for you? It is hard to tell differences in banks, but a little easier to see the advantages that credit unions offer. Our entire existence revolves around our
- [How to Get Out of Debt](https://focusok.com/how-to-get-out-of-debt/) - Debt – there’s a reason why it’s a four-lettered word. We hate to think about debt and it’s often a source of a lot of stress. That said, knowing the different types of debt, establishing a budget, and how to get out of debt has financial, physical, and mental benefits. Good vs. Bad Debt Not
- [How Long Does It Take to Get a Home Equity Line of Credit (HELOC)?](https://focusok.com/how-long-does-it-take-to-get-a-home-equity-line-of-credit-heloc/) - You might consider a home equity line of credit (HELOC) if you need cash for debt consolidation or significant expenses. It offers a way to get money while borrowing against the value of your home. But how long does it take to get a HELOC? The process generally takes about two to six weeks. The
- [How to Pay Off a Car Loan Faster](https://focusok.com/how-to-pay-off-a-car-loan-faster/) - The average loan term for a new car is more than 70 months, meaning almost six years of interest payments. The most significant benefit of paying off your auto loan early is savings. The sooner you pay off a loan, the less you'll spend on interest. Even if you can only shave a few months
- [What is a FICO Score?](https://focusok.com/what-is-a-fico-score/) - FICO® scores are a dynamic sequence of three-digit numbers ranging from 300-850 used as an independent standard measure of a person's credit risk. Lenders review FICO scores to determine how likely a person is to repay debt. A low FICO Score could mean being turned down for a loan or facing a high interest rate.
- [What Kind of Home Improvement Projects Will Add Value to My Home?](https://focusok.com/what-kind-of-home-improvement-projects-will-add-value-to-my-home/) - Q: I’m doing some work on my house this spring, and I’m wondering how I can increase my home’s value along the way. What kind of home improvement projects can add value to my home? A: Renovating your home with an eye toward its future value can help you recoup the costs of the project – and
- [Don't Get Caught in an Emergency Scam!](https://focusok.com/dont-get-caught-in-an-emergency-scam/) - It’s your grandson on the line and he’s in deep trouble! He’s telling you he’s been kidnapped for ransom, or perhaps he’s in trouble with the police and needs money for bail. Whatever the “emergency,” he’s asking you to wire money ASAP! You may already be calculating how much you can send, but pause for
- [I’m Barely Making it Through the Month. Do I Still Need to Save?](https://focusok.com/im-barely-making-it-through-the-month-do-i-still-need-to-save/) - Q: I’m in a bad financial place now, and I sometimes run out of money before the end of the month. Can I neglect my savings until my finances improve? A: For many individuals who are grappling with financial challenges, the idea of saving money can seem like an unattainable luxury. How can you possibly squirrel away
- [What to Buy and What to Skip in April](https://focusok.com/what-to-buy-and-what-to-skip-in-april/) - The days are getting longer and warmer, and that means summer is just around the corner! Though April is a mid-season month without any major shopping holidays, you can still score some great deals. There are also many items you’ll want to put on your waitlist until prices drop in another month or so. We’ve
- [Is Opening a HELOC a Smart Financial Move?](https://focusok.com/is-it-a-good-idea-to-open-a-heloc-now/) - When you need money, it can be tempting to turn to credit cards. Credit cards can provide access to money you can borrow and pay back over time. But if you own a house, you may have other options worth exploring. A home equity line of credit, HELOC for short, allows you to tap into
- [8 Financially Responsible Ways to Use Your Tax Refund](https://focusok.com/8-financially-responsible-ways-to-use-your-tax-refund/) - It’s tax refund season! How are you going to be spending the pile of cash from Uncle Sam? Of course, you can use some of your tax refund to indulge responsibly. If you’ve been wanting to buy yourself a new something special for a while or to spend on an experience you generally cannot afford,
- [How Can I Save on Heating Costs This Winter?](https://focusok.com/how-can-i-save-on-heating-costs-this-winter/) - Q: It’s that time of year again when the outside temperature drops and my heating bills soar. How can I save on heating costs this winter? A: We all want to keep our homes warm when it’s cold out, but that doesn’t have to mean paying sky-high heating bills all winter long. There are many steps you
- [Your Complete Guide to Santa Shock Recovery](https://focusok.com/your-complete-guide-to-santa-shock-recovery/) - The holidays are over, and with the start of a new year, there often comes a bad case of “Santa shock”. The house may be overrun with wrapping paper and holiday decor that’s waiting to be sorted and organized. Your sleep schedule is far from typical and your daily workout has turned into a monthly
- [How to Host a Stress-Free Holiday Meal on a Budget](https://focusok.com/how-to-host-a-stress-free-holiday-meal-on-a-budget/) - The holidays are supposed to be a joyous time to come together and celebrate, a season filled with special meals and treats. Between prep work, grocery runs, and post-party cleanup, it's a lot to accomplish in just a few weeks. This time of year comes with increased food, decoration, gift, and entertainment expenses. It's easy
- [Focus Federal Credit Union Recognized by Newcastle Chamber of Commerce for Exemplary Community Commitment](https://focusok.com/focus-federal-credit-union-recognized-by-newcastle-chamber-of-commerce-for-exemplary-community-commitment/) - FOR IMMEDIATE RELEASE Newcastle, November 9th, 2023 - Focus Federal Credit Union proudly announces its recent accolade from the Newcastle Chamber of Commerce, honoring the institution for its outstanding dedication to community service, unwavering support for local businesses, and commitment to the betterment of Newcastle. During the award presentation, Gayla Riddle, CEO of the Newcastle
- [Do Personal Loans Affect Your Credit Score?](https://focusok.com/do-personal-loans-affect-your-credit-score/) - You've been hit with an unexpected medical bill. You're looking to consolidate your debt. The roofer just gave you an estimate that's twice as much as you expected. A personal loan could be the solution to these problems. Personal loans are unsecured, meaning they don't require you to put up any collateral. And they generally
- [How Much Can I Borrow for a Personal Loan?](https://focusok.com/how-much-can-i-borrow-for-a-personal-loan/) - How much you can borrow for a personal loan depends on your finances. If you're considering a large purchase, looking to consolidate debt, or fund an emergency expense, a personal loan may be a good option. They have flexible loan terms and often carry lower interest rates than a credit card. Before applying for a
- [Travel Hacks: Open a Vacation Club Account](https://focusok.com/travel-hacks-open-a-vacation-club-account/) - Planning your dream vacation can be great fun – until you need to figure out how you’re going to pay for it. Stressing over every expense and dreading the bills you know will be waiting for you at home can be an epic killjoy to the best of vacations unless you have a vacation club
- [Building Financial Resilience: Strategies for Overcoming Financial Stress](https://focusok.com/building-financial-resilience-strategies-for-overcoming-financial-stress/) - In today’s fast-paced world, we face unique financial challenges as we juggle multiple responsibilities. The constant pressure to earn enough to cover day-to-day expenses while remembering to put away money for short- and long-term financial goals never lets up. To make it even more difficult, life only gets more expensive as time goes on. Keeping
- [Supercharge Your Savings: End-of-Summer Savings Tips](https://focusok.com/supercharge-your-savings-end-of-summer-savings-tips/) - As summer slowly starts winding down, it’s a great time to reflect on your financial goals and implement strategies to boost your savings. Whether you’re saving for a vacation, preparing for upcoming expenses or building a nest egg, implementing smart strategies before summer fades away can set you up for financial success. Let’s take a
- [Travel Hacks: 6 Ways to Save on Airfare](https://focusok.com/travel-hacks-6-ways-to-save-on-airfare/) - If you’re planning a trip overseas, airfare may be your largest vacation expense. Even when flying relatively close to home, the cost of your airline ticket can take a big bite out of your vacation budget. Fortunately, there are loads of ways to save on airfare and leave you with more to spend at your
- [Have a Holiday Savings Plan, So You Can Sit Back and Enjoy the Holidays](https://focusok.com/have-a-holiday-savings-plan-so-you-can-sit-back-and-enjoy-the-holidays/) - Seven in 10 people say they typically go over budget during the holidays. Expenses including entertaining, gift giving, decorations, travel, holiday cards, and charitable giving all add up. One reason holiday spending gets out of control is lack of planning. Oklahoma citizens are not exempt from this. An article from 2016 says the majority of
- [How to Save an Emergency Fund](https://focusok.com/how-to-save-an-emergency-fund/) - A fender bender, an unexpected bill, loss of income, or a new water heater — unplanned expenses feel like they hit at the worst times. Putting money aside for the unpredictable allows you to recover quicker and get back on track toward reaching your larger savings goals. But where do you put the money? What
- [Oklahoma Education Savings Plans](https://focusok.com/oklahoma-education-savings-plans/) - We all know college is expensive, and tuition costs are rising. The average student loan debt is $36,510 per borrower. A college savings strategy can help you pay tuition and reduce student loan debt. Focus Federal Credit Union can help you with Oklahoma education savings plans. Coverdell Education Savings Account A Coverdell Education Savings Account
- [Debt Consolidation: Not A Silver Bullet, But Still A Good Idea](https://focusok.com/debt-consolidation-not-a-silver-bullet-but-still-a-good-idea/) - If you’re up to your eyeballs in debt, the one thing you may wish for more than anything else is a blank slate. If you had a chance to wipe your slate clean and start over, things would be different. Of course, barring a winning lottery ticket, nothing is going to make that much of
- [What It's Like to Work for Focus Federal](https://focusok.com/what-its-like-to-work-for-focus-federal/) - Focus Federal Credit Union is a financial institution delivering the capabilities of a big bank with the care and empathy of a community-focused institution. For more than 65 years, we've offered guidance, expertise, and advice for banking solutions for more than 11,000 members. Our members have more than $100 million in assets. Working for Focus
- [What Are Cryptocurrencies?](https://focusok.com/what-are-cryptocurrencies/) - Cryptocurrency is growing in popularity. From Bitcoin to Ethereum and others, there are thousands of cryptocurrencies, which can make getting started in the crypto world overwhelming. What are cryptocurrencies, and why invest in cryptocurrency? This post explains more. What Are Cryptocurrencies? You’ve likely heard terms like crypto or Bitcoin. But if you’re like most people,
- [What Does It Mean to Refinance a Home?](https://focusok.com/what-does-it-mean-to-refinance-a-home/) - As interest rates begin to climb, refinancing might make sense. In addition to bringing down your monthly mortgage payment, it can potentially help you access the built-up equity in your home. While those are good reasons to refinance, it doesn’t make sense for everyone due to costs associated with refinancing. Before going through the process,
- [Don’t Get Caught in a Vacation Rental Scam](https://focusok.com/dont-get-caught-in-a-vacation-rental-scam/) - With prices rising on everything, including hotel stays, record numbers of vacationers are choosing to rent private homes or apartments on sites like Airbnb and Vacation Rentals by Owner (VRBO). Unfortunately, though, vacation rental scams are on the rise as well. Here’s all you need to know about these scams and how to avoid them.
- [How Teenagers Can Save Money Fast](https://focusok.com/how-teenagers-can-save-money-fast/) - Teen years are often the first time young people earn their own money. A small percentage of teenagers know how to save money fast, but most don’t. Making good saving decisions will lead your child to financial success. But how can your teenager save money fast? It starts with their buy-in and your help. Why
- [Best Accounts for Teenagers](https://focusok.com/best-accounts-for-teenagers/) - Is your teen outgrowing their piggy bank? Maybe they need a place to deposit paychecks from their first job, stash money from grandma, or learn financial responsibility? Regardless, opening an account and learning about personal finances can make a difference in the long run. Taking finances into their own hands, a teen appreciates money, and
- [What is Financial Wellness?](https://focusok.com/what-is-financial-wellness/) - You may consider joining a gym or taking the stairs at work when you want to improve your physical health. For a medical issue, you talk to a doctor. But one essential part of wellness commonly overlooked is financial health. The state of your monetary situation involves your credit, debt, savings, investments, and income. Financial
- [When Can You Get Preapproved for a Mortgage?](https://focusok.com/when-can-you-get-preapproved-for-a-mortgage/) - Are you thinking about buying a home? An excellent first step is getting preapproved for a mortgage. Preapproval isn’t required, but it’s a good idea, especially in a seller’s market. Preapprovals are straightforward and simple. Although preapproval doesn’t mean you have final approval, it will help you know where you stand. And it allows you
- [Credit Union vs. Bank Auto Loan: Which Should You Choose?](https://focusok.com/credit-union-vs-bank-auto-loan-which-should-you-choose/) - Buying a car is commonly the second most expensive purchase people make after buying a house. Often people focus on finding the best vehicle, and financing is an afterthought. A new set of wheels is exciting, but wise shoppers know auto financing is a critical part of the process. When buying a new or used
- [What is a Good Credit Score?](https://focusok.com/what-is-a-good-credit-score/) - You've likely heard the importance of a good credit score. But did you know there are different credit scoring models? Building a good to excellent credit score can make qualifying for loans and credit cards more effortless. And lenders may use various scores for different purposes. Knowing how much credit score is good and what
- [8 Essential First-Time Home Buyer Tips](https://focusok.com/8-essential-first-time-home-buyer-tips/) - Buying your first house is exciting, stressful, and challenging. Understanding the process will help you navigate it better, especially in a competitive housing market. You may be tempted to comb real estate apps and listings when thinking about a home. But before you head out to your first open house, do your homework and take
- [Why You Should Invest in Bank Accounts with High-Interest Rates](https://focusok.com/why-you-should-invest-in-bank-accounts-with-high-interest-rates/) - If you're looking to grow your savings, a high-yield account could be ideal for storing your money while also earning interest safely. Whether building an emergency fund, saving for a vacation, wedding, or another item, it can help you reach your financial goals. These accounts typically have a higher yield than traditional accounts. Start your
- [Focus Federal Donates to Chickasha Public Schools](https://focusok.com/focus-federal-launches-support-our-schools-initiative/) - Program gives $10,000 to Chickasha Public Schools. OKLAHOMA CITY – Focus Federal Credit Union announced the launch of the Support Our Schools Initiative in 2021. The program aims to provide financial support to the Chickasha Public Schools while saving community members money through competitive interest rate loans. In March of 2023, Focus FCU donated $10,000 to Chickasha Public Schools after
- [How Do I Fund An Emergency?](https://focusok.com/how-do-i-fund-an-emergency/) - Q: Do I need to have a separate rainy day fund and emergency fund? A: In an effort to simplify their money, people sometimes consolidate accounts. This is OK in many instances, but it’s important to remember that rainy day funds and emergency funds serve different purposes. Additionally, it’s important to have not just one, but both
- [We're in a Bear Market. Now What?](https://focusok.com/were-in-a-bear-market-now-what/) - On June 13, 2022, the U.S. economy officially entered a bear market. You may be wondering what this is, and what it means for the economy, and for you as a private consumer and investor. Here, we’ve outlined what you need to know about bear markets, what you can expect to happen with the economy
- [6 Ways to Pay Less at the Pump](https://focusok.com/6-ways-to-pay-less-at-the-pump/) - Just when you think they can’t possibly jump any higher, gas prices start rising again. They’ve long passed the $5 mark in much of the country, and in some areas, they’ve even gone beyond $6 a gallon. This means it’ll cost the average American close to $100 just to fill a 16-gallon tank. With prices
- [Should I Refinance my Motorcycle Loan through my Credit Union](https://focusok.com/should-i-refinance-my-motorcycle-loan-through-my-credit-union/) - Q: My motorcycle loan is killing my budget, and I’d love to refinance to ensure I can keep my ride. What are the benefits of refinancing my loan through my credit union? A: Refinancing a large loan, such as a motorcycle loan, into one that offers more affordable payback terms can make a huge difference in
- [6 Steps to Get Back on Your Feet After a Car Repossession](https://focusok.com/6-steps-to-get-back-on-your-feet-after-a-car-repossession/) - Having your car repossessed can leave you feeling helpless. You likely depend on your vehicle to get places like work, school, the grocery store, and appointments. So the situation can be a major inconvenience. Car repossession happens, even to those who have historically kept up with payments. But there are ways to recover after car
- [Why Are Gas Prices So High?](https://focusok.com/qa-why-are-prices-so-high-now/) - Surges in prices at the pump are impossible to miss. With gas costs setting records almost daily, it may make you wonder, “Why are prices so high now?” It’s easy to blame oil companies, gas station owners, or the government. But various factors contribute to painful pump prices. And there are steps you can take,
- [5 Steps to Going Cashless in Today’s Society](https://focusok.com/going-cashless-what-you-need-to-know/) - Ever tire of carrying cash? As options increase for digital payments, we're moving closer to a society where digital money replaces cash, checks, and coins. The number of cashless transactions was steadily increasing, but COVID-19 accelerated the trend. Before the pandemic, a quarter of transactions were cashless. Now three in 10 Americans say they make
- [What is a Fraud Ring and How Can I keep Myself Safe?](https://focusok.com/what-is-a-fraud-ring-and-how-can-i-keep-myself-safe/) - Q: I’ve been hearing a lot about fraud rings and how dangerous they can be for both businesses and consumers. What is a fraud ring, and how can I keep myself safe from falling victim? A: A fraud ring is a group of fraudsters and merchants that can operate for years, stealing money and information while
- [Choosing An Equity Loan In A Rising Rates Environment](https://focusok.com/choosing-an-equity-loan-in-a-rising-rates-environment/) - Q: I’d like to take out a loan against my home’s equity, but I’ve heard that interest rates are expected to climb again soon. What are the differences between a home equity line of credit (HELOC) and a typical home equity loan? How does an environment of rising interest rates impact choosing an equity loan?
- [Gas Price And Station Apps](https://focusok.com/gas-price-and-station-apps/) - GasBuddy This highly-rated app is a favorite among 70 million users for good reason. GasBuddy allows you to search for gas stations near any ZIP code or city and then finds you the station with the cheapest gasoline. You can filter the options the app brings up by brand, price, or location. You can also
- [Last-Minute Tax Tips to Know Before You File](https://focusok.com/last-minute-tax-tips-to-know-before-you-file/) - The big day is drawing near, and if you haven’t already done so, it’s time to file your tax return! Before you file, though, it’s a good idea to review your return to ensure you haven’t made any mistakes or forgotten any deductions or credits you’re eligible to claim. Below, we’ve compiled a list of
- [You Won’t Believe All of These Changes to Student Loans](https://focusok.com/you-wont-believe-all-of-these-changes-to-student-loans/) - The past 18 months have been full of change, including those to student loans. Focus Federal Credit Union breaks down what you need to know about short-term, permanent, and potential future changes to student loans. How COVID-19 Changed Student Loans Administrators paused federal student loan payments, interest, and collections on March 13, 2020. They then
- [How Does War Affect the American Economy?](https://focusok.com/how-does-war-affect-the-american-economy/) - Q: Now that Russia has invaded Ukraine, it really has me wondering; How does war impact the economy and how can I protect my money in case of war? A: While we all hope the war taking place between Russia and Ukraine won’t spread further, when major countries are at war it does impact the global
- [What are the Tax Benefits of Owning a Home](https://focusok.com/what-are-the-tax-benefits-of-owning-a-home/) - Q: I’m in the market for my first home, and I’m trying to get a complete picture of how owning a home will affect my finances. What are the tax benefits of owning a home? A: Owning a home can provide you with significant tax benefits. It’s important to learn how homeownership can impact your taxes
- [Step 3 to Financial Wellness: Pay Down Debt](https://focusok.com/step-3-to-financial-wellness-pay-down-debt/) - Consumer debt can be one of the biggest challenges to realizing good financial wellness. Credit card companies design their business model in a way that makes it easy to get stuck paying off debt for years. With some intentional action and commitment, reaching true financial wellness and being financially independent is possible. At the very
- [Don't Get Scammed this Spring Break!](https://focusok.com/dont-get-scammed-this-spring-break/) - It’s been a long winter and you’ve been looking forward to a springtime getaway for months. As you happily pack your bags and finalize your plans, be wary of these spring break scams, which can turn your dream vacation into a nightmare. Travel scams The Better Business Bureau (BBB) warns springtime vacationers to be wary
- [How Can I Save on Entertainment Costs?](https://focusok.com/how-can-i-save-on-entertainment-costs/) - Q: With inflation driving up costs on everything imaginable, my monthly budget has really taken a hit. I’m trying to trim it wherever possible and I’d love to cut back on the money I spend on recreation. How can I save on my entertainment costs? A: Being proactive about a budget that doesn’t work any longer
- [All You Need to Know About the Metaverse and NFTs](https://focusok.com/all-you-need-to-know-about-the-metaverse-and-nfts/) - If a time-traveler from the 19th century landed in your living room, you’d likely have a hard time explaining the way our world works – especially the way we deal with finances. Your visitor can watch as you hold an oblong object in your hands and proceed to order a full summer wardrobe, new bedroom
- [Don't Get Caught up in a Tax Return Scam!](https://focusok.com/tax-return-scams/) - It’s tax season, and while that may mean you’re drowning in forms and paperwork, for scammers it means millions of taxpayers can potentially be duped out of refunds or scared into making irrational moves. Here’s what you need to know about tax return scams and how to avoid them. How the scams play out In
- [The Power of Being Rich: 10+ Essential Principles to Manifest What You Already Have](https://focusok.com/the-power-of-being-rich-10-essential-principles-to-manifest-what-you-already-have/) - Title: The Power of Being Rich: 10+ Essential Principles to Manifest What You Already Have Author: Roger L. Brooks Paperback: 144 pages Publisher: Independently published Publishing date: Dec. 3, 2019 Who is this book for? Anyone who’s stuck in a pattern of negative thinking. Readers of any financial background or status who are looking to improve their personal and financial
- [The Best Way to Spend Your Paycheck](https://focusok.com/the-best-way-to-spend-your-paycheck/) - Everyone loves payday, but too many employees don’t know how to allocate their paycheck in a way that best serves their financial needs. Use the tips outlined below to learn how to manage your paycheck responsibly. 1. Automatically deduct contributions Your first step in managing your paycheck is making sure you are deducting the optimal
- [What's the Best Way to Use a Home Equity Loan?](https://focusok.com/whats-the-best-way-to-use-a-home-equity-loan/) - Q: With the low-interest rates and home prices rising, it seems like a great time to tap into my home’s equity using a home equity loan. What’s the best way to use a Home Equity Loan? A: A home equity loan, or a HELOC, can be a fantastic way to source extra funds. Tapping into
- [My Money My Way: Taking Back Control of Your Financial Life](https://focusok.com/my-money-my-way-taking-back-control-of-your-financial-life/) - Title: My Money My Way: Taking Back Control of Your Financial Life Author: Kumiko Love Hardcover: 240 pages Publisher: Portfolio Publishing date: Feb. 1, 2022 Who is this book for? Single women looking for tips on managing finances on their own. Anyone who’s ever battled feelings of guilt, shame, doubt and/or deprivation in relation to money. Individuals looking to
- [Focus Federal Gives Back for the Holidays](https://focusok.com/focus-federal-gives-back-for-the-holidays/) - Focus Federal Credit Union employees are giving back to local charitable organizations this holiday season. About half of Focus Federal employees participate throughout the year in the holiday charity donation drive, either through regular contributions or by paying for fundraisers such as a silent auction or the option to wear jeans to work. Now they
- [Helpful Environmentally Friendly Tips for Saving on Heating Costs](https://focusok.com/helpful-environmentally-friendly-tips-for-saving-on-heating-costs/) - As the outside temperature falls, we raise the temperature inside, and with it, heating costs go up, too. While peaceful white snowfall may be picturesque, the winter utility bills are not quite as pretty. If you’ve been to a gas station or store recently, you’ve seen first-hand how the 6.8% inflation rate is affecting prices
- [How Can I Save on Super Bowl Sunday?](https://focusok.com/how-can-i-save-on-super-bowl-sunday/) - Q: I’m looking forward to hosting a big party on Super Bowl Sunday and possibly watching my favorite team celebrate their major victory, but I don’t want to blow my budget on this party. How can I have a Super Bowl party on a budget? A: Super Bowl parties are always great fun to host, but
- [Why Refinancing Your Mortgage In 2022 Is A Smart Move](https://focusok.com/why-refinancing-your-mortgage-in-2022-is-a-smart-move/) - While current mortgage rates are a bit above the record lows seen in early 2021, refinancing remains a historically excellent deal. Many homeowners that took out mortgages prior to these record-low rates have not refinanced and are sitting on a bunch of newly acquired equity as housing prices have risen over the last couple of
- [Credit Card Debt: How it Hurts and How You Can Escape](https://focusok.com/credit-card-debt-how-it-hurts-and-how-you-can-escape/) - Total up the credit card debt of all the people in America, and it gives each household a staggering balance of $5,517, according to the Federal Reserve. Among just those who have debt, the average balance is $16,048. About half of households regularly carry a credit card balance. With high rates of unemployment, circumstances often
- [How to Create a Budget in 6 Easy Steps](https://focusok.com/how-to-create-a-budget-in-6-easy-steps/) - If you’re always wondering how you’re going to pay the next bill, feel guilty when you indulge in overpriced treats and you can’t seem to find money to put into savings, then you probably need to create a budget. A budget is not a magic potion that will automatically solve all of your money problems,
- [How to Beat the Post-Holiday Blues- It Doesn't Need to Cost a Thing!](https://focusok.com/how-to-beat-the-post-holiday-blues-it-doesnt-need-to-cost-a-thing/) - The visitors have returned home, the leftovers in the fridge have been tossed, the kids are back in school and you have work first thing Monday morning. After the excitement of the holidays, the return to normal can make even the jolliest of folks a little depressed. Without the holiday festivities to distract us, the
- [Baby Steps Millionaires](https://focusok.com/baby-steps-millionaires/) - Title: Baby Steps Millionaires: How Ordinary People Built Extraordinary Wealth—and How You Can Too Author: Dave Ramsey Hardcover: 224 pages Publisher: Ramsey Press Publishing date: Jan. 11, 2022 Who is this book for? Anyone looking for straightforward and practical advice on building wealth. What’s inside this book? An inside look at how Dave invests and builds wealth. True stories of
- [Types of First Time Home Buyer Loans](https://focusok.com/types-of-first-time-home-buyer-loans/) - Are you confused about the different types of first time home buyer loans available today? It turns out that deciding it's time to buy your first home is a lot more fun than working through the paperwork to actually buy that first house. The type of loan you select will influence your budget and available
- [Avoid Car Title Loans and Other Predatory Loans](https://focusok.com/avoid-car-title-loans-and-other-predatory-loans/) - Predatory lending is a term that is typically applied to a lender that lures the borrower into predatory loans that are not what the borrower expected, such as car title loans. Lenders often attract people in less than ideal financial situations and target them for this unethical practice. The financially vulnerable are then faced with
- [Your Complete Year-End Financial Checklist](https://focusok.com/your-complete-year-end-financial-checklist/) - As 2021 draws to a close and we prepare to usher in 2022, take a moment to go through this year-end financial checklist for ensuring your finances are in order before the start of the New Year. Review your budget Is your monthly budget still working well for you? Are you stretching some spending categories
- [10 Tips for ATM Safety](https://focusok.com/10-tips-for-atm-safety/) - With shorter days approaching, bringing more hours of darkness along with them, it’s more important than ever to brush up on ATM safety. Using a compromised machine can mean risking identity theft and/or having cash stolen. With this simple machine, all it takes is a few short minutes for a victim’s life to be completely
- [4 Scams to Watch Out for this Black Friday](https://focusok.com/4-scams-to-watch-out-for-this-black-friday/) - Black Friday has traditionally been the day that kicks off the holiday shopping season, sending hordes of crowds surging through malls and big-box stores all over the nation. Unfortunately, it’s also been a day that kicks off the season of shopping scams. Here are four scams to watch out for this Black Friday and throughout
- [Online Bill Pay- Automate Your Payments!](https://focusok.com/online-bill-pay-automate-your-payments/) - What is Bill Pay? Bill Pay is an automated bill payment system, usually through your online banking platform. You can set up alerts, reminders, and even opt for eBills. It gives you the freedom to automate all of your payments to give and more time to focus on the things that matter. How Much Does
- [8 Holiday Shopping Hacks to Help You Save Big This Season](https://focusok.com/8-holiday-shopping-hacks-to-help-you-save-big-this-season/) - Ready, set… charge! The holiday shopping season is here, and between inflated prices, the rising cost of gas and the urge to splurge this time of year, it can be harder than ever to stick to your budget. Here, we’ve listed eight holiday shopping hacks to help keep your spending under control while still finding
- [Is Inflation Here to Stay?](https://focusok.com/is-inflation-here-to-stay/) - Q: These days, I feel like I need to take out a second mortgage just to fill up on gas and restock the pantry. Are these inflated prices here to stay? A: According to the most recent report by the Bureau of Labor Statistics, U.S. inflation is currently running at a 13-year high of 5.4% — and it’s
- [How Should I Fund My Holiday Shopping?](https://focusok.com/how-should-i-fund-my-holiday-shopping/) - Q: I’ve made my gift list and I’m checking it twice. But, I’m getting a bit panicky just thinking about how I’m going to pay for all this stuff! What’s the best way to get me through this expensive season? A: Relax! You can keep your budget and your sanity, too! You can do it without
- [What to Expect for Holiday Shopping 2021](https://focusok.com/what-to-expect-for-holiday-shopping-2021/) - The holidays are coming and it’s time to hit the shops! Retailers and consumers around the nation are anticipating a holiday season that’s a lot closer to pre-pandemic days than last year’s festivities. Unfortunately, though, suppliers are cautioning consumers to expect supply shortages, shipping delays, and higher price tags than ever. With that in mind,
- [We Should All Be Millionaires](https://focusok.com/we-should-all-be-millionaires/) - We Should All Be Millionaires: A Woman’s Guide to Earning More, Building Wealth and Gaining Economic Power Title: We Should All Be Millionaires: A Woman’s Guide to Earning More, Building Wealth, and Gaining Economic Power Author: Rachel Rodgers Hardcover: 304 pages Publisher: HarperCollins Leadership Publishing date: May 4, 2021 Who is this book for? Women, people of color, and anyone
- [Credit Score Chart](https://focusok.com/credit-score-chart/) - There are several credit score models but for more than 25 years FICO® scores have been the industry standard for determining a person's credit risk. The FICO® credit score chart provides a three-digit number ranging from 300 to 850 that has a lot of impact on your ability to get loans, obtain favorable interest rates,
- [Should I Lend Out My Credit Card?](https://focusok.com/should-i-lend-out-my-credit-card/) - Q: Some of my friends keep asking to borrow my credit card and I’m wondering if this is a good idea. Should I be lending out my credit card? A: While circumstances vary, lending out your credit card to friends and family is generally not a recommended practice. Here are six reasons to say no when a
- [4 Super-Scary Scams To Watch For This Halloween](https://focusok.com/4-super-scary-scams-to-watch-for-this-halloween/) - Don’t let a Halloween scam spook you! Stay a step ahead of those crooks by looking out for these four scams this Halloween season. 1. The shipping scam The internet is brimming with Halloween-themed stores in the months leading up to Oct. 31. Lots of these retailers offer an impressive selection of costumes, accessories, and
- [All You Need to Know About Your First (Student Loan)](https://focusok.com/all-you-need-to-know-about-your-first-student-loan/) - You might approach your student loan the same way you approach those term papers: If you don’t think about them, they can’t really stress you out. Unfortunately, just like those papers, you’ll eventually have to write, your student loan debt isn’t going anywhere. If you’ve borrowed the funds from a private lender, like [credit union],
- [5 Ways To Pay Off A Loan Early](https://focusok.com/5-ways-to-pay-off-a-loan-early/) - If you’re like most Americans, you owe money toward a large loan. Whether that means carrying thousands of dollars in credit card debt, having a hefty mortgage in your name, or making car loan payments each month, loan debt is part of your life. This means you’re looking at hundreds of dollars in interest payments
- [6 Ways to Boost Your Credit Score](https://focusok.com/6-ways-to-boost-your-credit-score/) - An excellent credit score is the ultimate goal of the financially responsible consumer. Those three magic digits tell a story of accountability, good financial sense, and the ability to spend mindfully. A great credit score also unlocks doors for large, affordable loans; employment opportunities, and more. Its significance notwithstanding, achieving and maintaining an excellent credit
- [Types of Student Loans and Funding Options for College](https://focusok.com/types-of-student-loans-and-funding-options-for-college/) - Navigating the financial aid process and paying for college takes work and, at times, can be overwhelming. To make it easier, Focus Federal Credit Union breaks down the types of student loans and funding options for college. What is Financial Aid? College financial aid provides funds to cover higher education costs. There are four main
- [Going Green: How to Save the World While Saving Money Each Month](https://focusok.com/going-green-how-to-save-the-world-while-saving-money-each-month/) - What are my options for digital banking? Plenty. We live in the digital age, where you don’t even need to leave your couch to do anything – from buying groceries to meeting the love of your life. Focus Federal Credit Union is part of the many financial institutions allowing you to bank from a mobile
- [How do I Raise my Kids to be Financially Independent Adults?](https://focusok.com/how-do-i-raise-my-kids-to-be-financially-independent-adults/) - Q: How do I raise my kids to become financially independent adults? A: It’s commendable to try raising your kids today with an eye toward their future. Teaching your children how to be financially independent will help smooth the transition into adulthood. It will also give them the tools they need to achieve and maintain financial
- [How to Get a Job in College](https://focusok.com/how-to-get-a-job-in-college/) - From tuition to books to room and board, college is expensive. A job is a great way to earn money, gain professional experience, learn time management skills, and even get better grades. Yep, you read it correctly. A Bureau of Labor Statistics study found that students who work 15-20 hours a week had a 3.13
- [Student Checking Accounts in Oklahoma: What You Need to Know](https://focusok.com/student-checking-accounts-in-oklahoma-what-you-need-to-know/) - A bank account is an excellent way for students to learn money management and establish financial independence. State students can open a student checking account in Oklahoma. Many banks and credit unions offer accounts with special features for young people. Student checking in Oklahoma isn't one size fits all. Understanding the basics of how accounts
- [6 Steps to Crushing Debt](https://focusok.com/6-steps-to-crushing-debt/) - You and debt are so over. You’ve just about had it with those endless piles of credit card bills and those hideous numbers that never seem to get any lower. It’s time to kiss that debt goodbye! Getting rid of high debt will take hard work, willpower, and the determination to see it through until
- [Your Complete Guide to Buying a Motorcycle](https://focusok.com/your-complete-guide-to-buying-a-motorcycle/) - If you’re ready to purchase your first motorcycle, you’re likely thrilled — and more than a little overwhelmed. There are so many factors to consider and dozens of choices you’ll need to make before you pull the clutch. It can all get confusing, fast! No worries; Focus Federal Credit Union is here to help. We’ve
- [Starting a Child's Savings Account](https://focusok.com/starting-a-childs-savings-account/) - The key to good saving habits is starting early so that the behaviors carry into adulthood. Starting a child's savings account is an excellent way for children to learn financial literacy. These savings accounts allow minors to track spending, set fiscal goals, and develop positive financial behaviors. They allow parents to begin money conversations and
- [What to Buy and What to Skip in August](https://focusok.com/what-to-buy-and-what-to-skip-in-august/) - Q: I’d love to pick up some great bargains as the summer winds down, but I’m not sure what I should be buying this season. Which products typically go on sale in August and which should be pushed off for another time? A: As host to the second-biggest shopping season of the year, the tail end
- [Your Complete Guide to Buying an RV and ATV](https://focusok.com/your-complete-guide-to-buying-an-rv-and-atv/) - If you’re ready to purchase an RV or an ATV, the number of choices to make can be overwhelming. The price range for different vehicles is enormous. Choosing between a new or used vehicle can be tricky and securing financing can be a nightmare all its own. To help you through the process, we’ve outlined
- [How to Make Your Career Choice Fit Your Budget](https://focusok.com/how-to-make-your-career-choice-fit-your-budget/) - As you prepare for graduation and begin scouting different employment opportunities, be sure to look at the larger picture before you accept a position. Furthermore, make sure your career choice fits your budget. Hopefully, you’ve chosen a career path that will bring you joy and gratification. Equally important, though, is a job that can support
- [7 Tips for a Budget-Friendly Road Trip](https://focusok.com/7-tips-for-a-budget-friendly-road-trip/) - With many indoor attractions still closed or operating only at a limited capacity, there’s never been a better time to pack up the car, RV or camper van and set out on the road trip of a lifetime. However, without careful planning, a road trip can get pricey, especially with soaring gas prices and the
- [How to Save on Wedding Costs](https://focusok.com/how-to-save-on-wedding-costs/) - Did you know that the cost of the average wedding in the U.S. is $28,000*? That’s an awful lot of money to spend on one event, especially when you consider that just 12% of couples have wedding savings when they get engaged, according to a study by Behind the Wedding Budget. This means that for
- [Bitcoin and Cryptocurrency Trading for Beginners 2021: 3 Books in 1](https://focusok.com/bitcoin-and-cryptocurrency-trading-for-beginners-2021-3-books-in-1/) - Title: Bitcoin and Cryptocurrency Trading for Beginners 2021: 3 Books in 1: The Ultimate Guide to Start Investing in Crypto and Make Massive Profit with Bitcoin, Altcoin, Non-Fungible Tokens, and Crypto Art Author: Nicholas Scott Paperback: 397 pages Publisher: Independently published Publishing date: April 11, 2021 Who is this book for? Aspiring cryptocurrency investors who are looking for advice
- [Scam Alert: Watch Out for Vacation Scams](https://focusok.com/scam-alert-watch-out-for-vacation-scams/) - Hello, summer! It’s the season of flip-flops and ice pops, of sun-drenched afternoons and lazy days at the beach. And, unfortunately, summertime is also prime time for scammers. People are more relaxed, schedules are looser and vacationers are traveling in unfamiliar locations. All of this can lead people to let their guard down during the
- [Scam Alert: Beware Child Tax Credit Scams](https://focusok.com/scam-alert-beware-child-tax-credit-scams/) - The Child Tax Credit, a part of the American Rescue Plan Act of 2021 that takes effect in July, is already drawing the attention of scammers. The newly expanded Child Tax Credit (CTC) will provide monthly payments of up to $300 per child for approximately 40 million households across the country. Payments will be issued
- [How to Make a Vacation Budget You Can Keep](https://focusok.com/how-to-make-a-vacation-budget-you-can-keep/) - With mask mandates and occupancy limits easing and/or lifting, millions of Americans are looking forward to a summer getaway with more excitement than usual. Entertainment venues are opening, attractions are up and running again and for some, it’s been two years since they’ve enjoyed a real summer vacation. While it’s great to get away for
- [How Do Credit Union Loans Work?](https://focusok.com/how-do-credit-union-loans-work/) - Credit union loans work much like they do at a bank, except you get a much more personalized experience and usually with better rates. Applying for a loan can seem overwhelming and that is why with us we walk with you through the process. The last thing you need is to worry about whether to
- [What ‘In the Heights’ Teaches about the Sum of Money Saved for the Future](https://focusok.com/what-in-the-heights-teaches-about-the-sum-of-money-saved-for-the-future/) - “Ninety-six Gs ain’t enough to retire.” The line from the “In the Heights” song “96,000” may tell us something about the sum of money we need saved for the future. Maybe you have seen the movie, but if not there are still some lessons that we can learn about saving and when to start. We
- [Independence Day Celebrations, Yesterday and Today](https://focusok.com/independence-day-celebrations-yesterday-and-today/) - Do you know exactly what happened on July 4, 1776? What do our Fourth of July celebrations commemorate, and why? The Reason We Celebrate on July 4 July 4, 1776, is the date written on the original Declaration of Independence, even though it wasn’t signed until Aug. 2 of the same year. July 4 was
- [Post-Pandemic Money Moves](https://focusok.com/post-pandemic-money-moves/) - Money Moves, Post-Pandemic Re-acclimating to normal life as pandemic restrictions are lifted and businesses reopen across the country will mean more than just getting used to wearing real pants again and working without your cat on your lap. You’ll also need to consider your finances. How has your overall money management changed during the pandemic?
- [What Do I Need to Know About the Advance Child Tax Credit Payments?](https://focusok.com/what-do-i-need-to-know-about-the-advance-child-tax-credit-payments/) - Q: I’ve heard that the IRS will start making advance payments toward the Child Tax Credit of 2021 this summer. What do I need to know about these payments? A: The advance payments of the Child Tax Credits of 2021 will be distributed monthly to eligible families, beginning on July 15, 2021. Here’s what you need to
- [What is Refinancing?](https://focusok.com/what-is-refinancing/) - Mortgage refinancing in Oklahoma is the process of replacing your existing home loan with one that has better terms and improves your overall finances. When you refinance, you pay off your existing loan and begin making payments on an entirely new loan. The new loan continues until you pay it off or you decide to
- [College Degree Scams](https://focusok.com/college-degree-scams/) - For many young adults, obtaining a college degree in their desired field is the key to a secure financial future. Unfortunately, though, scammers are exploiting this essential right of passage by offering fake diplomas and bogus degree programs to the unsuspecting college-bound crowd. Here’s what you need to know about college degree scams. How the
- [What to Do with Your Money When Crisis Hits: A Survival Guide](https://focusok.com/what-to-do-with-your-money-when-crisis-hits-a-survival-guide/) - Title: What to Do with Your Money When Crisis Hits: A Survival Guide Author: Michelle Singletary Hardcover: 224 pages Publisher: Houghton Mifflin Harcourt Publishing date: May 18, 2021 Who is this book for? Anyone who is struggling to stay on top of their finances. Anyone who’s ever wondered how to handle their money during a financial crisis, such as a
- [Six Reasons to Switch to eStatements](https://focusok.com/six-reasons-to-switch-to-estatements/) - Are you constantly dealing with a barrage of junk mail that clogs up your mailbox? Drowning in papers needing to be sifted through? Are you always afraid to throw out any paper from your financial institution, fearful that you’ll be throwing sensitive material into the trash and making it an easy steal for would-be scammers?
- [Should I Invest in Cryptocurrency?](https://focusok.com/should-i-invest-in-cryptocurrency/) - Q: All I’m reading and hearing about in financial news lately is about investing in cryptocurrencies, like Bitcoin, Ethereum, and Dogecoin. Should I invest in cryptocurrency? A: Investing in cryptocurrency is all the rage, but that doesn’t mean it’s the financially responsible choice for everyone. Let’s take a closer look at cryptocurrency, its volatile nature, and
- [All You Need to Know About Vacation Club Accounts](https://focusok.com/all-you-need-to-know-about-vacation-club-accounts/) - The days are getting longer and hotter, so that means summer will be here before you can say “flip-flops and sunscreen.” Summertime means week-long vacations, day trips, and weekend getaways. All of those vacays can cost a pretty penny, though! How will you pay for your summertime expenses? Lucky for you, as a member of
- [The Promises and the Perils of Buy Now Pay Later](https://focusok.com/the-promises-and-the-perils-of-buy-now-pay-later/) - Buy now, pay later (BNPL) programs almost seem too good to be true. You can actually walk away with that overpriced exercise bike, entertainment system, sectional sofa, or anything else that caught your eye without having the money to pay for it now. And there are almost no eligibility requirements to qualify. However, upon closer
- [5 Steps to Take Before Making a Large Purchase](https://focusok.com/5-steps-to-take-before-making-a-large-purchase/) - Have you been bitten by the gotta-have-it bug? It could be a Peloton bike that’s caught your eye, or maybe you want to spring for a new entertainment system, no matter the cost. Before you go ahead with the purchase, though, it’s a good idea to take a step back and follow the steps outlined
- [Home Improvement Scams](https://focusok.com/home-improvement-scams/) - As we reach the dog days of summer, many of us are facing the consequences of our springtime procrastination. For the next few months, we’re going to have to either spend every weekend on the home improvement projects we’ve been putting off or spend the fall and winter with a half-finished patio. Again. It’s tempting
- [5 Tips For Preparing a Post-College Budget](https://focusok.com/5-tips-for-preparing-a-post-college-budget/) - Leaving college often means the start of a new job, student loan debt to pay off, new living arrangements to pay for, and other new expenses to cover. All of this means your finances will likely need an overhaul. It’s time to create your post-college budget. If you’ve been working with a budget throughout college,
- [Surviving Your First Finals Week](https://focusok.com/surviving-your-first-finals-week/) - Whether you’re that straight-A student everyone loves to hate or you’re barely scraping by at the best of times, you’re likely dreading finals week. Between the endless cramming and the enormous pressure of the actual exams, it’s enough to make anyone lose their mind! No worries, though. Focus FCU will walk you through this stressful
- [When Should I Do It Myself and When Should I Leave it to the Pros?](https://focusok.com/when-should-i-do-it-myself-and-when-should-i-leave-it-to-the-pros/) - Q: Which home improvement projects can I tackle myself or DIY, and which should I leave to the pros? A: In today’s world, when you can look up how to do practically any project online, it’s tempting to want to do everything yourself, but it isn’t always the best choice. Attempting to do a project
- [Beware the USPS Smishing Text Scam](https://focusok.com/beware-the-usps-smishing-text-scam/) - Your phone pings with an incoming text. You swipe it open to find a message from the USPS. They’re texting to let you know that the scheduled delivery time for your package has been changed. Unfortunately, though, the message is not from the USPS and you’ve just been targeted by a scam. How the USPS
- [The Storm Aftermath: What to do Next](https://focusok.com/the-storm-aftermath-what-to-do-next/) - Natural disasters happen. It never happens at a convenient time, however, and it does not consider your busy schedule. It's also important to note that there will be others affected as well, so be prepared for a potential backup of claims and longer wait times. So, what are the steps you need to take after
- [How Do I Read the Fine Print on My Credit Card Paperwork?](https://focusok.com/how-do-i-read-the-fine-print-on-my-credit-card-paperwork/) - Q: Paperwork from credit card companies always seems to be filled with tiny print that’s hard to read and even harder to understand. How do I read the fine print from my credit card issuer? A: Fine print is designed to keep you from paying attention, but it often contains important information you can’t afford to miss.
- [Mother's Day On A Budget](https://focusok.com/mothers-day-on-a-budget/) - Along with the blossoming flowers, the blazing sunshine and the tinkling bell of the ice cream truck come ideas and plans for celebrating Mother’s Day. Our moms are always there for us, as a sounding board, a virtual treasure trove of advice and to dote on us when we need a little pampering. Mother’s Day,
- [What is Credit Card Interest and How Does it Affect Me?](https://focusok.com/what-is-credit-card-interest-and-how-does-it-affect-me/) - Getting your first credit card is super-exciting. That small piece of plastic is a gateway to adulthood, and when used responsibly, it can be your first concrete step toward establishing sound financial habits to last a lifetime. Unfortunately, though, many teenagers and young adults don’t know enough about credit card interest when they open their
- [When Should I Put My House On The Market?](https://focusok.com/when-should-i-put-my-house-on-the-market/) - If you’re thinking of selling your home, think spring, because the season of blossoming flowers and gentle breezes has traditionally held the designation as the best time of year to sell a home. Before you start prepping your home for a photoshoot that shows it off in the best light, take a moment to consider
- [Lawn-Care Scams Sprout up in Spring](https://focusok.com/lawn-care-scams-sprout-up-in-spring/) - Spring is here, and the buds are sprouting like mushrooms after rain. Unfortunately, so are the scams. The Better Business Bureau (BBB) is warning of an uptick in lawn-care scams, which can be difficult to spot. Here’s what you need to know about these scams and how to play it safe. How the scam plays
- [What Will Happen with My Loved One's Finances After they Die?](https://focusok.com/what-will-happen-with-my-loved-ones-finances-after-they-die/) - Q: My close relative is getting on in years. I’ve been wondering, what will happen to their financial accounts and debts after they die? A: The state of your relative’s finances after their death will vary based on the steps they had taken while they were alive. Here’s what you need to know about what happens
- [What You Didn't Know About Home Loans](https://focusok.com/what-you-didnt-know-about-home-loans/) - A home loan, otherwise known as a mortgage, enables you to purchase a house without paying the full price out of pocket at the time of the purchase. For most people, buying a home is the biggest financial transaction of their lifetime. For that reason, if you’re in the market for a new home, it’s
- [Should You Buy a New or Used Car?](https://focusok.com/should-you-buy-a-new-or-used-car/) - Buying a vehicle can be an exciting time. However, it often involves deciding between new cars or a used cars. There are a lot of things to consider when weighing your options. Let’s take a look at a few things to consider before you hit the car lots. Advantages and Disadvantages of New Cars versus
- [Spring Cleaning Hacks](https://focusok.com/spring-cleaning-hacks/) - The sun is shining, the birds are chirping, the flowers are blooming — and your cluttered closets are calling. Time to roll up your sleeves and whip your home into shape. And yes, this means you! It’s been a long winter and you’ve let the clutter grow, all over your garage, across your basement, and
- [Celebrate National Virtual Vacation Day](https://focusok.com/celebrate-national-virtual-vacation-day/) - March 30th is National Virtual Vacation Day, and the past year has taught all of us that almost anything can be done virtually. You can attend a crucial client meeting, your best friend’s wedding, and even take a college course over the screen — and you can even take a dream vacation! Whether you’re stuck
- [Thriving in a Multigenerational Workplace](https://focusok.com/thriving-in-a-multigenerational-workplace/) - Gone are the days when you got a job out of high school or college and then worked there for 40 years, got a party and gold watch before living off your pension and IRA. Whether it’s for financial reasons or to fulfill a desire to remain productive and useful, workers are remaining employed way
- [Beware the Amazon Watch Raffle Scam](https://focusok.com/beware-the-amazon-watch-raffle-scam/) - Everyone admires Amazon’s scope and efficiency. Scammers are no exception. Recently, they’ve been piggybacking on Amazon’s reach and excellent name to pull off a scam that’s already taken in thousands of innocent victims. The scam – also known as the “fitness watch text” or the “Apple Watch raffle scam” – involves a congratulatory text message
- [All You Need to Know About the New Stimulus Bill](https://focusok.com/all-you-need-to-know-about-the-new-stimulus-bill/) - On March 6, the Senate passed the new relief bill, the $1.9 trillion American Rescue Plan. The coronavirus relief bill now goes to the President's desk to sign. The bill promises further financial relief and assistance to millions of Americans who may still be struggling with the financial devastation of COVID-19. Below, we’ve outlined some
- [Saving on Landscaping](https://focusok.com/saving-on-landscaping/) - For the green-thumbed homeowner, there are few things as pleasurable as running fingers through soft, moist earth, catching sight of the first flowering buds of spring, and inhaling the scent of freshly cut grass. Tending to a lawn and garden can get expensive. Between seeds, fertilizer, and gardening supplies, costs can be high enough to
- [Why You Should Finance Your Next Auto Loan at Your Credit Union](https://focusok.com/why-you-should-finance-your-next-auto-loan-at-your-credit-union/) - When shopping for a new set of wheels, your first stop should be right here, at Focus Federal Credit Union. Though many people start their process on the dealer’s lot, you’ll enjoy a lower rate, a simpler loan application, and other benefits by choosing to finance your auto loan with your credit union. Auto Loans
- [A Guide To Opening Your First Credit Card](https://focusok.com/a-guide-to-opening-your-first-credit-card/) - Opening your first credit card is one of the rites of passage into genuine adulthood, but with so much conflicting information, it can all get confusing fast! Opening Your First Credit Card Let Focus Federal Credit Union walk you through the process to help you build a strong credit score and credit history that will
- [5 Great Discounts for Older Adults](https://focusok.com/5-great-discounts-for-older-adults/) - One of the many perks of advancing in years is scoring great discounts on all kinds of purchases and expenses. Here are five places you may not already know about where older adults can save big money: 1. Amazon Prime Older adults who have valid EBT cards, or are on Medicaid, are eligible for Amazon
- [8 Ways to Spot A Job Scam](https://focusok.com/8-ways-to-spot-a-job-scam/) - If you’re in the market for a new job, or you’re looking for extra part-time work, be careful. The Federal Trade Commission (FTC) is warning of a surge in job scams of every kind. Victims might have their accounts emptied, their identities stolen, or they may even find themselves facing jail time for money laundering
- [Should I Sign Up for Budget Billing?](https://focusok.com/should-i-sign-up-for-budget-billing/) - Q: My steep utility bills in the winter and summer months always throw my budget for a loop. Should I sign up for budget billing? A: Budget billing can simplify your utility payments by making each month the same fixed amount, but it’s important to understand all the facts before signing up. We have answered all your
- [How Does Financial POA Work?](https://focusok.com/how-does-financial-poa-work/) - Q: What is a financial power of attorney or POA and how does it work? A: A financial power of attorney (POA) is a legal document that grants a designated agent the authority to act on behalf of the principal-agent in financial matters. The designated agent is often referred to as the attorney-in-fact and the
- [7 Steps Toward Purchasing An Auto Insurance Policy](https://focusok.com/7-steps-toward-purchasing-an-auto-insurance-policy/) - Are you in the market for a new auto insurance policy? Here’s your guide to purchasing auto insurance in 7 easy steps. Step 1: Choose a way to purchase your policy You can choose to buy a policy directly from an insurance company or through an independent insurance broker. If you already have homeowners or
- [Should I Take the Zero-Percent Financing Offered by the Dealer?](https://focusok.com/should-i-take-the-zero-percent-financing-offered-by-the-dealer/) - Q: I’m in the market for a new set of wheels, and I’ve seen some dealers advertising zero-percent financing. Should I take this offer? A: An auto loan without any interest sounds like a dream; however, there are many considerations before deciding to take out a zero-percent financing loan. Let’s take a closer look at zero-percent financing
- [Personal Loans for Bad Credit](https://focusok.com/personal-loans-for-bad-credit/) - We all make mistakes and hit some financial bumps in the road. At times it can seem overwhelming to try to get back on track. A key component to turning your financial situation around is understanding what lenders are looking for when they loan you money. Once you know your credit score and its impact
- [Are There Auto Loans for Bad Credit?](https://focusok.com/are-there-auto-loans-for-bad-credit/) - There are three numbers that greatly determine your ability to obtain a loan – your three-digit credit score. Lenders use credit scores as a method of quantifying and evaluating an individual’s creditworthiness. By accessing your past financial history, your credit score predicts your likelihood to repay debt in the future. A good credit score offers
- [8 Valentine's Day Hacks](https://focusok.com/8-valentines-day-hacks/) - It’s time to celebrate the significant other in your life! If you’re thinking that means pricey gifts, expensive dates, and blowing an entire day’s salary on a restaurant meal, think again. There’s no need to drain your wallet while trying to create the perfect Valentine’s Day. Instead, use these eight hacks for a dream Valentine’s
- [How Can I Achieve Success at My New Job?](https://focusok.com/how-can-i-achieve-success-at-my-new-job/) - Q: I’ve just landed a new job, and I’m a bit nervous about starting. How can I have success at my new job? A: Congratulations on your new job! Whether it’s a new position in your current workplace or a new place of employment, this is a very exciting time, but also a little challenging. With
- [The Benefits of Debt Consolidation](https://focusok.com/what-do-i-need-to-know-about-debt-consolidation/) - Q: I’m up to my ears in debt, and I’d love a way out. I’m strongly considering debt consolidation. What are the benefits of debt consolidation? A: Debt consolidation is the process of moving several (possibly) high-interest debts into a new loan or line of credit. Debt consolidation can help you pay off your debt quicker,
- [International Data Privacy Day](https://focusok.com/international-data-privacy-day/) - With kids still attending online classes and many adults still working from their homes, we are using more and more data, which is increasing the possibility of our personal information getting into the wrong hands. International Data Privacy Day, on Jan. 28, is a worldwide initiative to promote awareness of the importance of privacy online
- [Second Wave of Stimulus Checks Brings More Scams](https://focusok.com/second-wave-of-stimulus-checks-brings-more-scams/) - The second wave of stimulus checks only started hitting checking accounts a few weeks ago, and the BBB and the FTC are already warning of related scams. According to the FTC, American taxpayers lost more than $211 million due to COVID-19 scams, with $20.9 million of that amount connected to the first round of stimulus checks. Don’t get
- [Know Yourself, Know Your Money](https://focusok.com/know-yourself-know-your-money/) - Title: Know Yourself, Know Your Money: Discover WHY you handle money the way you do, and WHAT to do about it! Author: Rachel Cruze Hardcover: 272 pages Publisher: Ramsey Press Publishing date: Jan. 5, 2021 Who is this book for? Anyone who’s ever wondered why they make the money choices they do and how they can change them for the
- [Are P2P Payment Systems Safe?](https://focusok.com/are-p2p-payment-systems-safe/) - P2P payment services, like Venmo, Zelle, and Square’s Cash App, are aiming to make cash obsolete – and some would contend they’re succeeding! Just a few quick swipes, and you can transfer funds to a friend, pay for an item you bought online or collect money that’s owed to you. Convenient as they are, P2P
- [The Ultimate Guide To Your First Apartment](https://focusok.com/the-ultimate-guide-to-your-first-apartment/) - If you’re in the market for your first apartment, you may be feeling a little lost — and more than a little overwhelmed. How do you get started? What should you be looking for in an apartment? How do you check out a building? So many questions and we’ve got answers! Let Focus Federal Credit
- [Managing Your Checking Account](https://focusok.com/all-you-need-to-know-about-checking-accounts/) - The most obvious things in life are often overlooked, and checking accounts is just one of them. Most people hardly give a thought to this important account and how managing your checking account effectively can change your financial picture. We’re here to change that. Here is your checking account overview; What is a checking account?
- [Will I Be Getting a Second Stimulus Check?](https://focusok.com/will-i-be-getting-a-second-stimulus-check/) - After eight months of negotiations, the Senate has finally passed a bipartisan deal on a new coronavirus stimulus plan for the second round of stimulus checks. The $900 billion economic relief package will deliver emergency aid to a trampled economy and provide struggling Americans with desperately needed funds. The bill will put $325 billion toward
- [Everyday Millionaires: How Ordinary People Build Extraordinary Wealth - And How You Can Too](https://focusok.com/everyday-millionaires-how-ordinary-people-build-extraordinary-wealth-and-how-you-can-too/) - Money conversations can be super-depressing. Everything you read tells you that the “Great American Dream” has faded into oblivion. Everyone you talk to says that only the rich-born can get ahead and make it to the top. We ingest these lies without thinking twice. They become part of our belief systems and kill our ambition,
- [5 Scams To Watch For After the Holidays](https://focusok.com/5-scams-to-watch-for-after-the-holidays/) - The mad holiday rush may be over, but scammers aren’t slowing down. The post-holiday weeks bring an increase in scams that, unfortunately, are quite believable during this time of year. Don’t be the victim of a post-holiday scam! Read on to learn about five common ways fraudsters seek to dupe consumers after the holidays: 1.)
- [Don't Get Caught in a Weight-Loss Scam!](https://focusok.com/dont-get-caught-in-a-weight-loss-scam/) - January is the prime time to get into shape. This year, in particular, many Americans are struggling to shed the “quarantine 15,” or the pounds packed on during all those months when life happened over Zoom and nobody saw what you were wearing below the waist. In fact, the snack company that brings us Oreo
- [Save Money This Holiday Season with These DIY Gift Hacks](https://focusok.com/save-money-this-holiday-season-with-these-diy-gift-hacks/) - Love the holidays but hate the Santa sticker shock that follows? No need to spend your way into debt this Christmas. Keep costs down and make the holidays more meaningful by gifting your loved ones with personalized homemade presents. From pamper-me packages crafted with care to home décor that costs just a few dollars, to
- [Skiing Apps](https://focusok.com/skiing-apps/) - Are you ready to hit the slopes? There’s an app for that! We’ve got the goods on three of the best skiing apps on the market where you can track your runs, review your stats and challenge your friends to beat your best record. Trace Snow Trace Snow is one of the most popular skiing
- [Surviving the Holidays With Your Sanity Intact](https://focusok.com/surviving-the-holidays-with-your-sanity-intact/) - The holiday season is a special time. With Charlie Brown on TV and carols on the radio and an ever-growing list of people to shop for, it’s easy to get carried away. The pressure to over-shop and overspend when you’re rushing to buy everything on your list can be overwhelming. No worries, though; we’ve got
- [5 Holiday Meal Hacks For Your Budget!](https://focusok.com/5-holiday-meal-hacks-for-your-budget/) - There are as many holiday traditions as there are families. Some people will wander through the neighborhood singing songs of good cheer. Others will recline in sleepy warmth, watch TV and fall asleep in good company. No matter your traditions, there’s one thing most of them have in common: getting a large group together for
- [7 Ways To Save On Thanksgiving Costs](https://focusok.com/7-ways-to-save-on-thanksgiving-costs-this-month/) - Thanksgiving means giving thanks for all the good in our lives. It also means stuffed turkey and gravy, cranberry sauce, pie, and mashed potatoes. It’s a time-honored tradition of spending time enjoying a delectable holiday meal while in the company of those we love. It can also mean spending an awful lot of money. That’s
- [Refinance Rates: What You Need to Know](https://focusok.com/refinance-rates-what-you-need-to-know/) - You’ve likely heard in the news about historically low refinance rates - “Interest rates you can’t pass up! Act now! Don’t miss out!” While it’s true that interest rates are incredibly low right now, that doesn’t mean that refinancing your home loan is the best option. Let’s break down what refinancing means, if it’s something
- [Mrs. Dow Jones](https://focusok.com/mrs-dow-jones/) - Haley Sacks is smart. She’s funny. She’s cool. And she’s on a mission to make finances fun. She's Mrs. Dow Jones. The self-proclaimed “financial pop star” uses memes, videos, a newsletter, events, and a book club to teach a young and predominantly female audience all they need to know about getting and staying rich. As
- [Thanksgiving Hacks To Save Time, Stress, and Money](https://focusok.com/thanksgiving-hacks-to-save-time-stress-and-money/) - Thanksgiving prep stressing you out? Wondering how you’re going to get everything done in time for the big day and stick to your budget at the same time? We’re here to help! Whether you’re traveling home for the holiday or hosting a houseful of guests, we’ve got you covered. Focus Federal Credit Union is proud
- [Why You Probably Don't Need an iPhone 12](https://focusok.com/why-you-probably-dont-need-an-iphone-12/) - Apple’s recent announcement about its newest lines of smartphones had all the makings of a typical Apple unveiling: the hype, the buildup, the mystique — and the prohibitive price tag. iPhone 12 features an edge-to-edge screen, a sleek new look, and innovative features that will bring the smartphone’s functionality to another level. The most prominent
- [It's Almost Halloween, So Let's Talk Christmas](https://focusok.com/its-almost-halloween-so-lets-talk-christmas/) - Football has begun, the leaves are changing and the kids are back in school. Clearly, it’s time to start thinking about Christmas. Some of you are reading this on your phone while waiting in line at Starbucks, preparing to buy your first Pumpkin Spice Latte of the season, but it’s time to start thinking of
- [Learn How To Prioritize Bills During a Financial Crunch](https://focusok.com/the-complete-guide-to-prioritizing-bills-during-a-financial-crunch/) - Our vibrant, animated country has been put on pause. Busy thoroughfares are now empty of pedestrians and previously crowded malls are eerily vacant, as millions of Americans shelter in place to slow the spread of the coronavirus. Forced leave of work has left many wondering if and when they’ll receive their next paycheck. If you
- [Political Fundraising Scams](https://focusok.com/political-fundraising-scams/) - Election fever is now at an all-time high — and so are election scams. From schemes that steal your vote to one promising dream (albeit, bogus) vacations in exchange for participation in a poll or survey, there’s no shortage of political fundraising scams centering on elections. The Better Business Bureau (BBB) is warning of an uptick in
- [7 Halloween Hacks You Don't Want To Miss](https://focusok.com/7-halloween-hack-you-dont-want-to-miss/) - Halloween is coming — and so is the fun! Everyone wants to win the prize for the creepiest costume and the most frightening yard decor in the neighborhood. But all that spookiness comes with a scary price tag. The average American will spend $169 on Halloween costs this year. And, if that’s not enough to
- [5 Online Resources for Autumn](https://focusok.com/5-online-resources-for-autumn/) - Crisp breezes, breathtaking displays of fiery-colored foliage, pumpkin spice lattes — what’s not to love about autumn? To help make the season that much better, here are five online resources that can help you enjoy it to the max. Fall Foliage Prediction Map (website) If you’re planning a road trip this autumn or just wondering
- [5 Steps to Take After Being Hacked](https://focusok.com/5-steps-to-take-after-being-hacked/) - Uh oh — you’ve been hacked! Finding out someone has cracked open your accounts and helped themselves to your information can be alarming, but there are ways to mitigate the damage while jump-starting your recovery process. Here are five steps to take after being hacked. Step 1: Assess the damage First, take a step back
- [Bobby Hoyt the Millennial Money Man](https://focusok.com/bobby-hoyt-the-millennial-money-man/) - Bobby Hoyt gets it: Personal finances for millennials can be tough. There’s homeownership to consider, a career path that’s still somewhat undefined, and a staggering amount of student loan debt to pay off. What’s a cash-strapped millennial to do? Bobby Hoyt the Millennial Money Man can help! The Philosophy Behind Millennial Money Man The teacher-turned-financial
- [The Importance of Being Financially Fit](https://focusok.com/the-importance-of-being-financially-fit/) - Are you ready to stretch those financial fitness muscles? We hope so because it’s time to get financially fit! Being financially fit means living a life of complete financial responsibility. The Center for Financial Services Innovation (CFSI), also known as the Financial Health Network, defines four basic components of financial health: Spend, Save, Borrow, and Plan.
- [Social Media Scams: What To Look Out for and How to Stay Safe](https://focusok.com/social-media-scams-what-to-look-out-for-and-how-to-stay-safe/) - New social media platforms seem to crop up all the time. The media moves at the speed of information, and it seems like overnight, the most popular apps went from complete unknowns to must-haves. Each new technology offers something fun and unique to users, which is why the popularity of these apps has attracted so
- [HisandHerMoney.com](https://focusok.com/hisandhermoney.com) - When two people with opposite money views marry, it’s the ultimate in “He said, she said.” He wants to save every penny so they can afford their dream house within the next five years, and she would rather live it up today while pushing off their dream a little longer. She wants to budget every
- [Beware the Pending Package Scam](https://focusok.com/beware-the-pending-package-scam/) - Everyone loves a surprise package, and scammers are taking the excitement out of that experience by using bogus packages as a cover for a nefarious scam that tricks victims into sharing their personal information — and their money. Here’s all you need to know about the pending package text scam: Pending Package Scam In the
- [How to Negotiate Salary for Your First Job](https://focusok.com/how-to-negotiate-salary-for-your-first-job/) - Things are falling into place, and after months of researching your options, polishing your resume, and sitting through awkward interviews, you think you may have found your dream job. You’ve already gone for a follow-up interview and the position is as good as yours. The only obstacle to cross before joining the ranks of the
- [Beware of Mortgage Fraud](https://focusok.com/beware-of-mortgage-fraud/) - Preparing to purchase your dream home is super-exciting. That’s partly because you’re choosing a property that maybe your home for the next few decades — or more! It’s also a time that’s jam-packed with activity and arrangements. In between looking at houses, you’re going to be consulting with your real estate agent, working with a
- [New Cars Vs. Used Cars](https://focusok.com/new-cars-vs-used-cars/) - Q: I need a new set of wheels and I’m wondering if it’s better to spring for a new vehicle or to go the cheaper route and buy a used vehicle. What do I need to know about new cars vs. used cars? A: Any decision surrounding a purchase as large as a car needs to be
- [Fall Shopping On A Budget](https://focusok.com/fall-shopping-on-a-budget/) - That long-anticipated day has finally come and gone. Your kids looked sharp and neat sporting spiffy backpacks and dressed in their spanking new back-to-school clothing. You watched them board that bus and waved them off from your perch at the bus stop until your arm hurt. Then you breathed a great sigh of relief, grateful
- [Personal Loans: The Swiss Army Knife of Personal Finance](https://focusok.com/personal-loans-the-swiss-army-knife-of-personal-finance/) - There’s that old saying, “There’s no such thing as a free lunch.” Turns out, it’s not just lunches that aren’t free. Pretty much everything costs money, and it’s often more than you’d expect it to be. You can easily plan and save for some expenses, while some come out of nowhere. For those things, you
- [7 Important Things to Know About Auto Loan Rates](https://focusok.com/7-important-things-to-know-about-auto-loan-rates/) - If you’re looking to buy a new or used car a good time to understand auto loan rates is before you head to the dealership. A basic understanding of how loans work can help you find the vehicle that is right for you. How do auto loans work? Auto loans can be used to purchase
- [5 Reason To Open A Money Market Account](https://focusok.com/5-reason-to-open-a-money-market-account/) - Are you looking for a place to park your savings dollars? Do you need an account that blends accessibility with a more than standard rate of return? Look no further! Focus Federal Credit Union’s Money Market account offers convenient features with an attractive rate of return to help your money grow more. Why Choose a
- [Tax-Free Weekend … Every Weekend](https://focusok.com/tax-free-weekend-every-weekend/) - For most of us, the tax-free weekend has come and gone. It was a heady rush, getting our Black Friday to fix in the sunshine of August, and the kids are ready to head back to school with new clothes (that they don’t yet hate) and school supplies (they haven’t yet lost). But what about
- [Can I Buy A House When I'm Paying Off Student Loan Debt?](https://focusok.com/can-i-buy-a-house-when-im-paying-off-student-loan-debt/) - Q: I graduated from college with a huge student loan debt. Since then, I’ve landed a decent job and I’ve been making steady payments toward paying down my loan. Is it possible for me to buy a house while I’m still paying off this debt? A: Student loan debt that is managed responsibly should not
- [How To Protect Yourself from Payment App Scams](https://focusok.com/how-to-protect-yourself-from-payment-app-scams/) - Q: I love the convenience of payment apps, like Cash App and Venmo, but I’ve heard there’s been an increase in scams being pulled off within these apps. How can I continue to use my payment apps without compromising my safety? A: Payment apps offer users the ability to effortlessly send payments to friends, making
- [Chief Financial Mom](https://focusok.com/the-chief-financial-mom/) - The Chief Financial Mom, Dr. Carlson, knows that life as a mom can be super-busy. Who can find the time and the energy to focus on financial responsibility and money management? Dr. Mary Bell Carlson She gets what it’s like, and she’s ready to show her readers how to make smart financial choices for improving
- [4 Back-to-School Apps for Parents and Students](https://focusok.com/4-back-to-school-apps-for-parents-and-students/) - The new school year is starting soon! Whether your kids are getting ready for another round of remote schooling via Zoom or they’re packing their backpacks with face coverings and hand sanitizer for in-person schooling COVID-style, there’s at least one app to help get the year off to a great start. Let's take a look
- [Fifteen Tricks to Sell Your Home Quickly](https://focusok.com/fifteen-tricks-to-sell-your-home-quickly/) - Summer is in the air! And aside for the hum of lawnmowers and the chime of the ice cream truck, summer means the chance at a fresh start in a fresh, new home. Find out how to sell your home quickly by following these 15 tricks! You might also be counting on the proceeds of
- [Beware of Back-to-School Scams](https://focusok.com/beware-back-to-school-scams/) - Back-to-school season means a flurry of shopping — and a flurry of back-to-school scams. Scammers know that students and their parents are caught up in a frenzy of preparations and are, therefore, more likely to fall victim to schemes. As you get ready for school, look out for these scams targeting college students and parents
- [4 Steps to Choosing and Securing Job References](https://focusok.com/4-steps-to-choosing-and-securing-job-references/) - As you work on perfecting your resume and portfolio for the best shot at landing that post-college dream job, think about who you’ll list as your job references. Choosing and Securing Job References Don’t underestimate the importance of this step. According to a survey by CareerBuilder, nearly 70 percent of employers have changed their minds
- [My Savings Has Been Wiped Clean; How Can I Replenish It?](https://focusok.com/my-savings-has-been-wiped-clean-how-can-i-replenish-it/) - Q: The last few months have been tough on my finances, and I’ve been forced to use my savings. My emergency fund and savings account are zero. Now that my financial situation is starting to improve, I’d like to start building these up again. But how do I replenish my savings? A: Watching savings that
- [Snowball Method vs. Avalanche Method](https://focusok.com/snowball-method-vs-avalanche-method-whats-the-best-way-to-tackle-debt/) - Debt is the ultimate killjoy. It can destroy a budget, make long-term financial planning impossible, and shadow every purchase you make with guilt. No one wants to live with that debt burden. But how do you kiss your debt goodbye? We'll cover two of the most popular ways to pay off debt and the pros
- [Do Credit Unions Give Loans?](https://focusok.com/do-credit-unions-give-loans/) - When it comes to borrowing money from a financial institution, traditional banks are the typical go-to with independent lending companies not far behind. But with strict guidelines for obtaining a loan few applicants obtain a loan successfully. Banks and lenders reject the majority, and those people believe this is the end of their loan search.
- [IRA's and Recent Changes](https://focusok.com/your-complete-guide-to-ira-products-and-recent-changes/) - Q: I’m ready to start saving for my retirement, but the choices are so confusing! I’m also wondering about the recent changes made to Individual Retirement Account (IRA) products through the SECURE and CARES acts. How do I choose the IRA that’s right for me, and what do I need to know about IRA's and
- [Your Child's First Savings Account](https://focusok.com/your-childs-first-savings-account/) - There’s no better way to help a child learn the value of saving money than to actually help them do it. One way to get them started: Make three jars. Label one for “playing,” one for “saving” and one for “sharing.” When they get a little older, it will be time to introduce them to
- [3 Tips to Finding Your First College Job](https://focusok.com/3-tips-to-finding-your-first-college-job/) - When you think college job, you might think of burger-flipping and dorky uniforms. But the ultimate college job goes way beyond the stereotype. You need to find a job that won’t interfere with your class schedule or coursework, that pays decently, and ideally, one that gives you a jumpstart in your career. We are going
- [Student Loan Changes During COVID-19](https://focusok.com/all-you-need-to-know-about-student-loan-changes-during-covid-19/) - With unemployment levels rising and many employers cutting work hours, lots of college grads are now struggling to meet their student loan payments. Thankfully, the federal government has passed legislation to ease this burden. We have the info you need to navigate student loan changes during COVID-19 All You Need to Know About Student Loan
- [Travel Planning Apps](https://focusok.com/travel-planning-apps/) - With summer beckoning, you can’t ignore the call of the open road, and the foaming ocean waves for much longer. Are you tediously sifting through dozens of travel sites for the best prices on flights, car rentals, and hotel rooms? Hold up! Before you book anything, check out our list of travel-planning apps. With just
- [The Best Fresh Start Checking](https://focusok.com/the-best-fresh-start-checking/) - Lots of banks don't offer a second chance to course-correct their spending habits. Use the overdraft option too many times or incur repeated non-sufficient funds and the bank may close your account. You can't start over with that bank once you mess up and it can be difficult for other banks to let you open
- [Changes to the PPP](https://focusok.com/changes-to-the-ppp-what-you-need-to-know/) - Small businesses struggling to remain afloat during the economic upheaval caused by the coronavirus pandemic received some relief with the passing of the Paycheck Protection Program (PPP) as part of the historic Coronavirus Aid, Relief, and Economic Security (CARES) Act. On June 5, the Paycheck Protection Program Flexibility Act was signed into law, making significant
- [Am I Really Ready to Buy a House?](https://focusok.com/am-i-really-ready-to-buy-a-house/) - Q: I’ve saved a down payment, narrowed my choices of neighborhoods, and drawn up a wish list of what I’m looking for in a home, but I’m getting cold feet. How do I know if I’m really ready to buy a house? A: It’s perfectly normal to feel hesitant about going through with what may
- [Should I Buy A House During A Pandemic?](https://focusok.com/should-i-buy-a-house-during-a-pandemic/) - Q: I’ve been planning to buy my first home this spring, and I’ve spent years preparing for this purchase. With the Coronavirus, I’m wondering if I should go through with my plans. So, what does home buying during a pandemic look like? A: The coronavirus outbreak that has swept through the world while wreaking havoc
- [Should I Refinance My Home Mortgage?](https://focusok.com/should-i-refinance-my-home-mortgage/) - Q: Many of my friends have refinanced their mortgage recently, and they’re urging me to do the same thing. Money is always a bit tight, and the thought of an extra few hundred dollars a month is very tempting. Should I refinance my home mortgage? A: Refinancing a mortgage is essentially paying off the remaining balance on
- [Stimulus Prepaid Debit Card](https://focusok.com/stimulus-prepaid-debit-card/) - Four million Americans are receiving their Economic Impact Payment in the form of a stimulus prepaid debit card — and many are mistaking it for junk mail. Last week, the U.S. Treasury Department and the Internal Revenue Service (IRS) began sending out Economic Impact Payments (EIP) as prepaid debit cards. The cards arrive in plain
- [The Best Personal Loans in Oklahoma City](https://focusok.com/the-best-personal-loans-in-oklahoma-city/) - Search online for the best personal loans in OKC and you will get hundreds of results telling you which lending companies offer the best personal loans. But you won't see much info about actual personal loans that are best for you. That's because every company offers similar loans, but adds a personal touch that leads
- [Investment Apps Like Acorns](https://focusok.com/investment-apps-like-acorns/) - What are Investment Apps? In the times way back before credit and debit point of sale systems were everywhere, many clever people used to have a great savings system. They’d take all the change they had in their pockets at the end of the day and put it into a bucket. Once a year, they’d
- [What Is A Fresh Start Car Loan?](https://focusok.com/what-is-a-fresh-start-car-loan/) - Putting it plainly a fresh start car loan lets you purchase or refinance your vehicle while rebuilding credit. We understand everyone’s story is different. Life happens and sometimes bad things happen to good people. In some cases, borrowers come to us with outstanding debt on car payments and having gone through car repossession. However, what
- [How To Recognize And Protect Yourself From Scams](https://focusok.com/how-to-recognize-and-protect-yourself-from-scams/) - Scammers are always trying to con victims out of their information and money. They are, unfortunately, often successful. Scammers are expert impersonators, using sophisticated technology and their best acting skills to convince you they represent a business, institution or government agency you may trust. That's why it's important how to recognize and protect yourself from
- [Can Job Loss Be An Opportunity for Growth?](https://focusok.com/can-job-loss-be-an-opportunity-for-growth/) - Q: I’ve been laid off from my job, and I’m struggling with my next step. I’m trying to remain positive and to see this as an opportunity, but it hasn’t been easy. On a practical level, can job loss be an opportunity for growth? A: Losing a job, whether due to the economic fallout of
- [Ways to Celebrate Memorial Day Weekend During the Coronavirus](https://focusok.com/ways-to-celebrate-memorial-day-weekend-during-the-coronavirus/) - Most years, Memorial Day Weekend is the unofficial kickoff to summer. Americans salute and honor the memory of our military heroes with grand parades, lively family picnics and crowded barbecues. But, this year, everything is different. Even as the country moves forward with the reopening process, people continue to practice caution and avoid unnecessary contact
- [Where is my Stimulus Check?](https://focusok.com/where-is-my-stimulus-check/) - Q: Everyone I talk to seems to have already gotten their stimulus money, but I’m still waiting for mine to arrive. Where is my stimulus check? A: More than half of eligible Americans have already received their Economic Impact Payment, but tens of millions more are still waiting. We’ll let you in on when you
- [Tips for Starting School on a Budget](https://focusok.com/tips-for-starting-school-on-a-budget/) - Starting school can be a huge drain on your budget and expenses continue to rise every year. In fact, costs continue to surpass inflation. The average back-to-school spend per child is up to a whopping $696 per school year, according to the National Retail Federation (NRF). How can you fight these soaring prices? Let’s look at
- [Being Prepared for Tornado Season](https://focusok.com/being-prepared-for-tornado-season/) - As Oklahomans, we know tornado season well. We’re all familiar with the inevitable gathering around the TV to watch what Mother Nature wants to dish out. In those moments we ask ourselves, “Are we really ready for a natural disaster?” You find yourself asking the question, “Worst case scenario, if a tornado hits my house
- [Paycheck Protection Program](https://focusok.com/paycheck-protection-program/) - The Paycheck Protection Program (PPP) is an important part of the historic Coronavirus Aid, Relief and Economic Security (CARES) Act designed to help small businesses continue meeting payroll and other expenses during these trying times. Here’s all you need to know about the Paycheck Protection Program. What does the PPP offer small businesses? The provision
- [Don't Let Scammers Get Your Stimulus Check!](https://focusok.com/dont-let-scammers-get-your-stimulus-check/) - Millions of Americans have received or are awaiting a gift from Uncle Sam to help them get through the coronavirus pandemic. As part of the Coronavirus Aid, Relief and Economic Security (CARES) Act passed on March 27, the federal government is sending out $290 billion in stimulus checks over the next half a year. The first
- [Your Complete Glossary of Financial Terms Related to COVID-19](https://focusok.com/your-complete-glossary-of-financial-terms-related-to-covid-19/) - Some of the financial terms flying around in the wake of the recently approved Coronavirus Aid, Relief and Economic Security (CARES) Act may be confusing. We have broken down some of the key components and how they relate to the COVID-19 pandemic. Deferred interest What it means: Deferred interest is when interest charges on a
- [Beware of COVID-19 Cure Scams](https://focusok.com/beware-of-covid-19-cure-scams/) - As the coronavirus pandemic continues to sweep across the planet, the race to find a cure has taken on desperate urgency. Pharmaceutical companies and researchers around the world are scrambling to find a way to stop the virus and to immunize people against becoming infected. Unfortunately, scammers have recognized an opportunity to rob innocent victims
- [Video Conferencing Apps: Zoom vs. Skype vs. Google Hangouts](https://focusok.com/video-conferencing-apps-zoom-vs-skype-vs-google-hangouts/) - It’s where everything happens these days. Birthday parties. Corporate meetings. Coffee dates. Happy hour with friends. Visits with grandma. Anatomy and physiology 101. We’re talking video conferencing apps, of course. As Americans move indoors in an effort to comply with mandates for social distancing, lots of our everyday interactions have moved online, or more accurately,
- [Out of Sight, Out of Mind - How to Build your Savings Fast!](https://focusok.com/out-of-sight-out-of-mind-how-to-build-your-savings-fast/) - We've all heard the saying, Out of Sight, Out of Mind, but can it be true for our savings too? The answer is, absolutely! If you're anything like me, if I see it, I spend it. So, put your money somewhere that's not accessible to you. In a world of VISA Debit Cards and Credit
- [Just Starting Out? Let's Talk Finances](https://focusok.com/just-starting-out-lets-talk-finances/) - Talking about finances with your children can seem daunting. However, if you have a teen or young adult, it’s time to talk money. Keep it simple and keep these tips in mind. Open an account If you haven’t already, help them open an account. It's easy to open an account where you currently bank, and
- [Raise your credit score-let us help!](https://focusok.com/raise-your-credit-score-let-us-help/) - Don't let your credit score keep you from having the life you want. Sometimes life happens and bad things happen to good people. We understand, and unlike other financial institutions, we listen to your story and make a plan to get you back on track! As an extension of our member promise to you, we
- [Make your car buying experience better!](https://focusok.com/make-your-car-buying-experience-better/) - Everyone loves that new car smell, but is it worth all the hassle? With technology, the car-buying experience has become a lot easier, cutting out the trip to the car dealership altogether. Did you know that you can also get a pre-approval before you start shopping and you don't even have to haggle with the
- [How to Plan Your Holiday Spending](https://focusok.com/how-to-plan-your-holiday-spending/) - The Holidays are right around the corner and a chill is finally in the air. We all have an all-too-perfect image of what the holidays should look like. We all know how stressful making that image a reality can be. This is the time of year where you can make the costliest financial mistakes. We
- [Living within your means and "trimming the fat"](https://focusok.com/living-within-your-means-and-trimming-the-fat/) - Are you constantly looking for ways to trim the fat on your finances and have more money at the end of the month? If you're living paycheck to paycheck, you're not alone! According to CareerBuilder, 78% of American workers are living paycheck to paycheck and more than 50% said they save less than $100 per

## Pages

- [Home](https://focusok.com/) - Discover Focus Federal Credit Union—trusted in Oklahoma since 1955. Enjoy great rates on checking, savings & loans. Join today and start banking smarter with us!
- [Student Checking](https://focusok.com/accounts/checking-accounts/student-checking/) - Focus Federal Credit Union Student Checking makes banking simple—no fees, smart tools & easy access. Perfect for students. Open your Student Checking today!
- [Careers](https://focusok.com/careers/)
- [Mortgage Loans in Oklahoma: What You Need to Know](https://focusok.com/loans/mortgages-okc/) - Find the right mortgage in OKC with Focus FCU—competitive rates, local service, and personalized options. Apply today and make your dream home a reality!
- [Switch, Save, and Unlock](https://focusok.com/switch-save-and-unlock/) - Refinance your loan with Focus FCU and earn $250 cash! Save with flexible terms and low rates. Start saving—switch to Focus FCU today and unlock cash rewards.
- [Resources](https://focusok.com/services/resources/) - Resources
- [Affordable Personal Loans in Oklahoma City](https://focusok.com/loans/personal-loans/personal-loan/) - Get flexible funds with a Focus FCU Personal Loan—fair rates, quick approval, and tailored support for your needs. Apply today and achieve your financial goals!
- [Services](https://focusok.com/services/) - Discover Focus FCU services—branch assistance, mobile & online banking, vehicle shopping tools, and more. See what we offer and get started today!
- [Rates](https://focusok.com/rates/) - View Focus FCU’s current rates—auto, personal loans, home mortgages, and savings. Compare and apply today for the best rate on your next financial move!
- [Credit Cards in OKC](https://focusok.com/loans/credit-cards/) - Focus FCU Credit Cards offer low fixed rates, fraud protection, no annual fees & rewards. Apply today and enjoy secure, smart spending power with your card!
- [Deposit Secured Loans](https://focusok.com/loans/deposit-secured-loans/)
- [Sparrow](https://focusok.com/sparrow/) - Use Focus FCU’s Sparrow-powered student loan marketplace to compare in-school & refinance rates fast—fixed/variable options with no fees. Explore loans today!
- [Share Certificates](https://focusok.com/share-certificates-iras/) - Earn more with Focus FCU Share Certificates & IRAs — high-interest terms up to 48 months, compounded dividends, and FDIC-insured security. Open yours today!
- [Balance Transfers](https://focusok.com/forms/balance-transfers/) - Balance Transfer Form
- [Account Change Request Form](https://focusok.com/account-change-request/) - Account Change Request Form
- [A Traditional Savings Account to Move You Forward](https://focusok.com/accounts/savings-accounts/traditional-savings/) - Grow your funds steadily in a Focus Federal Credit Union Traditional Savings account—reliable earnings with easy access. Open your Savings account today to get started!
- [News](https://focusok.com/news/) - News
- [Home Loans](https://focusok.com/loans/home-loans/) - Focus FCU Home Loans support first-time buyers, storm shelters, and more with great rates and guidance. Explore options today and begin your homeownership journey!
- [Forms](https://focusok.com/forms/) - Forms
- [Contact Us](https://focusok.com/contact-us/) - Contact Us
- [Vehicle Shopping](https://focusok.com/services/vehicle-shopping/) - Shop smarter with Focus FCU Vehicle Shopping tools—locate vehicles, compare repossessed and Enterprise listings, and finance easily. Browse today!
- [Storm Shelter Loan in OKC](https://focusok.com/loans/storm-shelter/) - Protect your family with a Focus FCU Storm Shelter Loan—low-rate financing for safety and peace of mind. Apply today and secure your home!
- [Youth Accounts](https://focusok.com/youth-accounts/) - Start smart with Focus FCU Youth Accounts—no-fee saving, fun tools, welcome gifts, and parental control for ages 0-18. Open a youth account today!
- [Vehicle Loans in OKC](https://focusok.com/vehicle-okc/) - Find your next vehicle in OKC with Focus FCU—browse listings, compare prices, and get local financing fast. Start your local car search today!
- [Upcoming Events](https://focusok.com/upcoming-events/) - Join Focus FCU’s upcoming financial literacy events—get expert tips on budgeting, credit, and hot money topics. Sign up now—seats fill fast!
- [The Foundation Speed Bump](https://focusok.com/the-foundation-speed-bump/) - Explore Focus FCU’s Foundation Speed Bump project—boosting community through awareness and support. Discover how to help and get involved today!
- [Testimonials](https://focusok.com/testimonials/) - See why members love Focus FCU! Explore real testimonials praising our local service, trusted support, and five-star ratings. Read what our members say today!
- [Support Our Schools](https://focusok.com/support-our-schools/) - Support our schools via Focus FCU’s debit card program—use the Chickasha “Fighting Chicks” card and help fund local schools with every swipe. Open an account today!
- [Stress-Free Car Buying at Your Fingertips](https://focusok.com/stress-free-car-buying-at-your-fingertips/) - Get stress-free car buying at your fingertips—use Focus FCU tools to compare repossessed & Enterprise vehicle listings, plus get pre-approved fast. Start today!
- [Stop Payment Request Order](https://focusok.com/stop-payment-request/) - Need to cancel a transaction? Use Focus FCU’s Stop Payment Request form quickly to halt unwanted checks or transfers. Act now to protect your funds!
- [Speed Bump YWCA](https://focusok.com/speed-bump-ywca/) - Join Focus FCU’s YWCA Speed Bump campaign — raising awareness and empowering women’s services. Learn how you can make an impact and get involved today!
- [Leaving Focus for Sparrow Bumper](https://focusok.com/sparrow-bumper/) - Use Focus FCU’s Sparrow-powered student loan marketplace to compare in-school & refinance rates fast—fixed/variable options with no fees. Explore loans today!
- [Focus Federal Online Banking](https://focusok.com/services/online-banking/) - Manage your finances with Focus FCU Online Banking—secure, 24/7 access to accounts, payments, e-statements, and more. Enroll today for full control!
- [Convenient Mobile Banking in Oklahoma](https://focusok.com/services/mobile-banking/) - Bank on the go with Focus FCU Mobile Banking—deposit checks, transfer funds, and manage accounts anytime. Download the app today for seamless access!
- [Visa Travel Money](https://focusok.com/services/branch-services/visa-travel-money/) - Secure your travel funds with Focus FCU Visa Travel Money cards—safe, reloadable, and accepted worldwide. Get yours at a branch today and travel with confidence!
- [Visa Gift Cards](https://focusok.com/services/branch-services/visa-gift-cards/) - Pick up a Focus FCU Visa Gift Card in-branch—perfect for gifting with flexible use and wide acceptance. Visit today to choose and give the ideal card with ease!
- [Notary Service](https://focusok.com/services/branch-services/notary-service/) - Need notary services? Visit Focus FCU branches for quick, professional, and trusted support. Stop by today and have your official documents notarized with ease!
- [Branch Services](https://focusok.com/services/branch-services/) - Visit Focus FCU branch services—wire transfers, notary, gift cards & VISA travel money at your local branch. Stop by today to access more banking support!
- [Savings Accounts](https://focusok.com/savings/) - Explore Focus FCU savings accounts—traditional savings, money market, club, youth, and more. Earn more and save smarter. Open yours today!
- [Rewards](https://focusok.com/rewards/) - Earn points with your Focus FCU Mastercard—redeem for travel, gift cards, merchandise, or cash back. Apply for a rewards card today and start earning!
- [Refer](https://focusok.com/refer/) - Refer a friend to Focus FCU and you both win—earn $50 cash when they join. Share the credit union advantage and get rewarded today for spreading the word!
- [Used Auto Loans](https://focusok.com/new-used-rate-auto-loans/) - Browse Focus FCU’s new & used auto loan rates—competitive APRs and simple terms for your next car. Check current rates today and drive off with confidence!
- [NCUA Insurance](https://focusok.com/ncua-insurance-faq/) - Learn how member deposits are protected—Focus FCU NCUA Insurance FAQ covers share insurance up to $250K. Discover your coverage and gain peace of mind today!
- [Credit Builder Loans in OKC](https://focusok.com/loans/personal/credit-builder/) - Build or improve credit with Focus FCU’s Credit Builder Loan—small payments, big impact, and helpful guidance. Apply today and boost your credit score!
- [Personal Loans](https://focusok.com/loans/personal/) - Explore personal loan options at Focus FCU—budgeting tools, credit-builder loans, and more. Find the right fit and apply today to reach your goals!
- [First-Time Home Buyer](https://focusok.com/loans/home-loans/first-time-home-buyer/) - Buy your first home confidently with Focus FCU—education, support, and flexible mortgage options built for you. Apply today and start your homeownership journey!
- [Home Equity (HELOC) in OKC](https://focusok.com/loans/heloc/) - Access funds with a Focus FCU HELOC—competitive rates, flexible borrowing, and repayment options. Use your home equity smartly. Apply today to get started!
- [Benefits of Fresh Start Personal Loans](https://focusok.com/loans/fresh-start/) - Rebuild credit with a Focus FCU Fresh Start Loan—small amounts, fair terms, and guidance to improve your finances. Apply today and start your fresh journey!
- [Collateral Loans](https://focusok.com/loans/collateral-loans/) - Get cash fast with Focus FCU Collateral Loans—secure funds with your vehicle or assets and enjoy flexible terms. Apply today for affordable financing!
- [GAP and Warranty](https://focusok.com/loans/car-loans/gap-and-warranty/) - Protect your ride with Focus FCU GAP & Warranty—cover loan gaps and repair costs with ease. Apply today and drive with confidence and peace of mind!
- [Loans](https://focusok.com/loans/) - Explore Focus FCU loans—auto, personal, home, credit cards & more with competitive rates and friendly service. Find your ideal financing & apply today!
- [Litter Blitz Speed Bump](https://focusok.com/litter-blitz-speed-bump/) - Join Focus FCU’s Litter Blitz Speed Bump initiative—cleaner neighborhoods, community pride, and action together. Learn how to participate today!
- [TruStage Insurance Plans](https://focusok.com/insurance/) - Explore Focus FCU’s insurance offerings—truStage plans providing coverage for auto, home, and more. Protect what matters. Learn about your options today!
- [Infant Crisis Services Speed Bump](https://focusok.com/infant-crisis-services-speed-bump/) - Support Focus FCU’s Infant Crisis Services Speed Bump—raising awareness and assisting vulnerable families. Discover how you can contribute today!
- [Check Order Form](https://focusok.com/forms/check-order-form/) - Use Focus FCU’s Check Order Form to quickly reorder checks online—secure, easy, and efficient. Fill it out today and get your checks delivered hassle-free!
- [Partner Perks Program](https://focusok.com/financial-wellness-programs/) - Boost your financial health with Focus FCU’s Financial Wellness Programs—education, coaching, workshops & tools designed to help you thrive. Enroll today!
- [Feed the Children](https://focusok.com/feed-the-children/) - Support Focus FCU’s Feed the Children initiative—helping local families and children in need. Join our mission to fight hunger and give back to the community today!
- [e-Statements](https://focusok.com/e-statements/) - Go green with Focus FCU e-Statements—secure, convenient, paper-free access to your records anytime. Sign up today and enjoy fast, safe online banking!
- [Children's Miracle Network Speed Bump](https://focusok.com/childrens-miracle-network-speed-bump/) - Join Focus FCU’s Children’s Miracle Network Speed Bump initiative—raising awareness, supporting children’s health & making a difference. Get involved today!
- [Checking Accounts](https://focusok.com/checking/) - Discover checking options at Focus FCU—Focus, High-Interest, Student & more. Choose the account that fits your lifestyle best. Open your checking account today!
- [Beware of Fraud](https://focusok.com/beware-of-fraud/) - Stay alert with Focus FCU’s “Beware of Fraud” tips—protect your personal data, avoid scams, and bank safely. Learn how to keep your account secure now!
- [American Cancer Society Speed Bump](https://focusok.com/american-cancer-society-speed-bump/) - Support the American Cancer Society at Focus FCU. Learn about our Speed Bump partnership raising awareness and making an impact. Get involved today!
- [Savings Assist Program](https://focusok.com/accounts/savings-accounts/savings-assist-program/) - Join Focus Federal Credit Union’s Savings Assist Program—guided savings with educational tools and support. Sign up today and boost your financial confidence!
- [Traditional IRA Accounts](https://focusok.com/accounts/iras/traditional-ira/) - Maximize retirement savings with a Focus Federal Credit Union Traditional IRA—tax-deferred growth and reliable flexibility. Open your IRA today!
- [Money Market Account](https://focusok.com/accounts/savings-accounts/money-market/) - Earn more with Focus Federal Credit Union Money Market—competitive rates with flexible access. Open your Money Market account today for smarter saving!
- [Club Account](https://focusok.com/accounts/savings-accounts/club-account/) - Save effortlessly with Focus Federal Credit Union Club Accounts—budget-friendly, tailored for holidays & goals. Start your Club Savings today and grow your goals!
- [Roth IRA Accounts](https://focusok.com/accounts/iras/roth-ira/) - Build tax-free retirement with a Focus Federal Credit Union Roth IRA—flexible contributions and growth. Open your Roth IRA today to secure your tomorrow!
- [Coverdell Education Savings Plan](https://focusok.com/accounts/iras/coverdell-education-savings-plan/) - Plan for education with Focus Federal Credit Union’s Coverdell ESA—tax-advantaged savings for school expenses. Start your Coverdell plan today!
- [Individual Retirement Accounts](https://focusok.com/accounts/iras/) - Explore IRAs at Focus Federal Credit Union—Traditional & Roth options with solid returns and flexible terms. Open your IRA today to grow your savings!
- [Focus Checking](https://focusok.com/accounts/checking-accounts/traditional-checking/) - Traditional Checking from Focus Federal Credit Union offers convenience, trusted service & flexibility. Open your Traditional Checking account today!
- [High-Interest Checking](https://focusok.com/accounts/checking-accounts/interest-checking/) - Maximize your money with Focus Federal Credit Union Interest Checking. Earn competitive rates and easy access. Open your Interest Checking account today!
- [Fresh Start Focus Checking](https://focusok.com/accounts/checking-accounts/fresh-start-checking/) - Rebuild confidence with Focus Federal Credit Union Fresh Start Checking—perfect for new beginnings. Enjoy access, security & support. Apply and get started fresh!
- [Alternative Checking](https://focusok.com/accounts/checking-accounts/alternative-checking/) - Focus Federal Credit Union Alternative Checking offers a reloadable Visa prepaid card—no credit check, easy access, safe banking. Apply and secure your card now!
- [Accounts](https://focusok.com/accounts/) - Explore Focus Federal Credit Union accounts—checking, savings, IRAs & more. Designed for Oklahoma members with real value. Open your account today!
- [About Us](https://focusok.com/about-us/) - Discover Focus Federal Credit Union—serving Oklahoma since 1955. Learn our story, values & dedication to members. Join today and experience the Focus difference!
- [Partner Perks Enrollment](https://focusok.com/5517-2/) - Enroll in Focus Federal Credit Union’s Partner Perks Program—access exclusive perks like seminars, financial counseling & MoneyEdu. Sign up today!
- [Chickasha Branch](https://focusok.com/locations/locations-chickasha-branch/) - Visit Focus Federal Credit Union's Chickasha Branch for personalized banking, competitive loans, and expert financial planning. Serving Chickasha, OK, and the surrounding community.
- [Midtown Branch](https://focusok.com/locations/midtown-branch/) - Enjoy convenient banking in the heart of Oklahoma City at Focus Federal Credit Union's Midtown Branch. Explore personalized financial services, competitive loans, and community-focused banking. Visit us today.
- [Northwest Branch](https://focusok.com/locations/northwest-branch/) - Visit Focus Federal Credit Union's Northwest Branch in Oklahoma City for personalized financial services, competitive loans, and community-focused banking. Learn more today!
- [Tri-City Branch](https://focusok.com/locations/tri-city-branch/) - Visit The Focus Federal Credit Union's Tri-City Branch in Newcastle, Oklahoma, for personalized banking, competitive loans, and expert financial guidance. Join us today!
- [Main Branch](https://focusok.com/locations/main-branch/) - Discover Focus Federal Credit Union's Main Branch in Oklahoma City. Explore personalized financial services, competitive loans, and community-focused banking. Visit us today.
- [Holiday Closings](https://focusok.com/holiday-closings/) - Holiday Closings New Year's Day- Wednesday, January 1st, 2025 Martin Luther King Day- Monday, January 20th, 2025 President's Day- Monday, February 17th, 2024 Memorial Day- Monday, May 26th, 2025 Juneteenth- Thursday, June 19th, 2025 Independence Day- Friday, July 4th - Saturday, July 5th, 2025 Labor Day- Monday, September 1st, 2025 Columbus Day- Monday, October 13th,
- [Show Your Home Some Love](https://focusok.com/promos/show-your-home-some-love/) - Your home has been there for you—now it’s time to return the favor! With our Show Your Home Some Love promotion, you can tap into your home’s equity with no closing costs* and use the funds however you need. 🏡 Upgrade your home with renovations or repairs💳 Consolidate debt and simplify your payments🎓 Cover education
- [Terms and Conditions/Fee Schedule](https://focusok.com/terms-and-conditions-fee-schedule/)
- [My first map](https://focusok.com/map/)
- [Locations](https://focusok.com/locations/) - Locations
- [Rate Match](https://focusok.com/rate-match/) - At Focus FCU, we want you to feel confident about your rate when purchasing a vehicle. That's why we have a rate match* on eligible collateral loans when you refinance or finance your next collateral loan with us. When financing or refinancing your next collateral loan with us, you can feel confident that you are
- [Membership Disclosure](https://focusok.com/membership-disclosure/)
- [Drive Your Dreams](https://focusok.com/drive-your-dreams/)
- [Bill Pay](https://focusok.com/bill-pay/)
- [Fresh Start Auto Loans in OKC](https://focusok.com/loans/fresh-start-auto/) - We understand that everyone’s story is different. Life happens and sometimes bad things happen to good people. Unlike other financial institutions, we listen to your story and find you an auto loan that fits your unique situation. Introducing Focus Federal Credit Union’s Fresh Start Auto Loan Program designed to help purchase or refinance your vehicle
- [SSMOKE Merger](https://focusok.com/ssmoke-merger/)
- [Repossessed Vehicles](https://focusok.com/loans/vehicle-okc/repossessed-vehicles/) - No Vehicles Available
- [How Can I Beat Inflation and Save on Holiday Shopping?](https://focusok.com/how-can-i-beat-inflation-and-save-on-holiday-shopping/)
- [Introducing iTalk](https://focusok.com/news/italk/)
- [What You Need to Know About Recent Student Loan Changes](https://focusok.com/what-you-need-to-know-about-recent-student-loan-changes/)
- [50 Budget-Friendly Activities to Try This Summer](https://focusok.com/news/50-budget-friendly-activities-to-try-this-summer/)
- [Calendar of Events](https://focusok.com/calendar-of-events/)
- [Support Our Schools - Debit Card Program](https://focusok.com/supportourschools/)
- [Loan Due Date Change](https://focusok.com/forms/loan-due-date-change/) - Loan Due Date Change
- [MasterCard Updates](https://focusok.com/mastercard-updates/) - Focus FCU strives to offer the best products and services for our Members. Starting today, Friday, July 9th, the website for accessing your MasterCard information (gotomycard.com) will be changing to ezcardinfo.com. You will have limited access through the current website after 4pm today. Access to the new website where you can register and view your MasterCard
- [Fresh Start Program](https://focusok.com/fresh-start-program/) - Finally, a program to help get you back on your feet! Whether you have credit issues, blemishes on your credit, or just need some guidance, we have the products for you! We all make mistakes. At Focus Federal Credit Union we’ve created Fresh Start Checking. Perhaps you’ve had a difficult time and run into some problems
- [US Federal Holiday, Juneteenth](https://focusok.com/us-federal-holiday-juneteenth/)
- [Direct Deposit](https://focusok.com/forms/direct-deposit/) - Direct Deposit
- [New and Used Boat Financing](https://focusok.com/loans/boat-loan/) - Whether you need financing for a new or used boat, or you want to refinance your current boat loan, we have financing options here at Focus Federal Credit Union. Our boat loans come with flexible financing options and the lowest interest rates around. That means you can get out on the water and have the
- [TruStage Home](https://focusok.com/services/resources/trustage-home/)
- [TruStage Auto](https://focusok.com/services/resources/trustage-auto/)
- [TruStage AD&D](https://focusok.com/services/resources/trustage-add/)
- [Mortgage Assistance Application](https://focusok.com/mortgage-assistance-application/) - Mortgage Assistance Application
- [Financing for New and Used Motorcycle Loans](https://focusok.com/loans/motorcycle-loan/)
- [Hardship Extension Application](https://focusok.com/hardship-extension-application/) - Hardship Extension Application
- [Wire Transfer Form](https://focusok.com/wire-transfer-oklahoma-city/) - Wire Transfer Form
- [Skip-a-Pay Form](https://focusok.com/skip-a-pay/) - Skip-a-Pay Form
- [MasterCard Classic](https://focusok.com/loans/credit-cards/mastercard-classic/)
- [MasterCard Platinum](https://focusok.com/loans/credit-cards/mastercard-platinum/)
- [MasterCard Secured](https://focusok.com/loans/credit-cards/mastercard-secured/)
- [Promos](https://focusok.com/promos/)

## Promos

- [Fraud Alert](https://focusok.com/promos/fraud-alert/) - To help keep your information safe, always remember to never share your personal information including your online banking username or password, account number, or social security number. If you suspect fraud, hang up and call 405-230-1328.
- [Stress-Free Car Buying](https://focusok.com/promos/stress-free-car-buying/) - Are you browsing auto dealerships for your next car? We want to help you save the most money possible. That’s why we’ve partnered with CUDL. A convenient online lending platform, CUDL allows you to access credit union savings from top auto dealers. You can apply for one of our low-rate loans right from the auto dealership.

## Testimonials

- [Set aside money](https://focusok.com/testimonials/test-testimonial/)
- [Lucky](https://focusok.com/testimonials/lucky/) - "So lucky to have such an amazing credit union with great people working here...our community is so lucky!"

## Holidays

- [CHRISTMAS EVE(closed at 12:00pm)](https://focusok.com/holidays/christmas-eve-closed-at-1200pm/)
- [Christmas](https://focusok.com/holidays/christmas-day/)
- [Thanksgiving](https://focusok.com/holidays/thanksgiving/)
- [Veterans' Day](https://focusok.com/holidays/veterans-day/)
- [Columbus Day & Indigenous People's Day](https://focusok.com/holidays/columbus-day/)
- [Labor Day](https://focusok.com/holidays/labor-day/)
- [Juneteenth](https://focusok.com/holidays/juneteenth/)
- [Memorial Day](https://focusok.com/holidays/memorial-day/)
- [President's Day](https://focusok.com/holidays/presidents-day/)
- [Martin Luther King, Jr. Day](https://focusok.com/holidays/martin-luther-king-jr-day/)
- [Independence Day](https://focusok.com/holidays/independence-weekend/)
- [Independence Weekend](https://focusok.com/holidays/independence-day/)
- [New Years Day](https://focusok.com/holidays/new-years-day/)

## Calendar Events

- [Budgeting and Debt Management Seminar](https://focusok.com/calendar/budgeting-and-debt-management-seminar/)
- [Understanding Credit Webinar](https://focusok.com/calendar/understanding-credit-webinar/)
- [Weekend Edition: The Car Buying Process](https://focusok.com/calendar/weekend-edition-the-car-buying-process/)
- [Webinar: The Car Buying Process](https://focusok.com/calendar/webinar-the-car-buying-process/)
- [Webinar: Putting your Home Equity to Work (After Hours)](https://focusok.com/calendar/webinar-putting-your-home-equity-to-work-after-hours/)
- [Webinar: Putting your Home Equity to Work](https://focusok.com/calendar/webinar-putting-your-home-equity-to-work/)
- [First-Time Homebuyers Workshop (Postponed)](https://focusok.com/calendar/first-time-homebuyers-workshop-3/)
- [First-Time Homebuyers Workshop (Postponed)](https://focusok.com/calendar/first-time-homebuyers-workshop-2/)
- [First-Time Homebuyers Workshop (This class is full)](https://focusok.com/calendar/first-time-homebuyers-workshop/)
- [First-Time Homebuyers Workshop](https://focusok.com/calendar/first-time-homebuyers-workshop-5/)
- [First-Time Homebuyers Workshop](https://focusok.com/calendar/first-time-homebuyers-workshop-4/)

## Categories

- [News](https://focusok.com/category/news/) - Stay updated with Focus FCU News—financial tips, local events, member stories & more. Dive into the latest news from your credit union today!
- [Financial Education](https://focusok.com/category/financial/)
- [Repossessed Vehicles](https://focusok.com/category/repo/)
- [Personal Loans](https://focusok.com/category/personal-loans/)
- [Car Loans](https://focusok.com/category/car-loans/)
- [Storm Shelter Loans](https://focusok.com/category/personal-loans/https-focusok-com-loans-storm-shelter/)
- [Home Loans](https://focusok.com/category/home-loans/)
- [Upcoming Events](https://focusok.com/category/financial/upcoming-events/)