Stone Creek Branch has Moved

Stone Creek Has Moved - Copperfield Now Open

Our Stone Creek location has moved just down the road to the corner of 529 and Highway 6, in front of Best Buy and Barnes & Noble.

Copperfield Financial Center - Now Open!
7060 Highway 6, Houston, TX 77095
 

Come Celebrate with Us: February 21-23

Check out our new financial center and enjoy some refreshments, as well as a chance to win some great prizes! We will also have several Special Product Promotions you will only find at our Copperfield location during those celebration dates of February 21st, 22nd and 23rd.

Due to an expected high volume of traffic during those celebration dates, if you have a transaction you need to make and are not interested in being part of the celebration, you may want to consider visiting our Skinner Road location or Jones Road location to avoid any potential crowds on those dates (2/21-2/23).

Income Tax Filling Preparation Tips

Income Tax Filing Preparation Tips

Although income tax returns are not due until April 15, it’s always good idea to plan ahead and file early, especially if you expect to get a tax refund. Here are six steps to take now:

  • Get ready for the arrival of records.
    If you don't already have a Tax file, select a single location (even if it's just a large envelope) to collect your W-2s, statements, and other tax-related documents as they arrive. If you receive records electronically, create a "2018 taxes" folder or sub-directory.
     
  • Contribute to an individual retirement account (IRA).
    Most Americans can contribute $5,500 to a Roth or traditional IRA for 2018 ($6,500 for those age 50 and older) until the tax filing date.
     
  • Decide how you want to do your taxes.
    Do you like to do it yourself or do you want to hire a pro? Do you prefer pen and paper or a computer? Now's the time to decide.
     
  • Find your forms.
    If you file by paper, you can get forms from a public library or at IRS.gov. If you file electronically, determine what software you might want to use, such as TurboTax.
     
  • Consider electronic filing.
    Taxes filed electronically are processed faster than paper ones, and refunds are issued within 3 weeks. Alternatively, if you file your tax return on paper, it will take 6 to 8 weeks to receive your refund. This filing season, taxpayers with an adjusted gross income of $66,000 or less in 2018 can file Federal taxes for free via the IRS program.
     
  • Use direct deposit.
    Regardless of whether you file electronically or on paper, consider having your refund check directly deposited into your credit union account. It's another way to get your return faster.
     

The Tax Cuts and Jobs Act was enacted in December 2017 which made changes to tax rates and Federal income tax withholding. To learn about these changes and how it will affect filing, go to the IRS website.

Emergency Fund - Start Small, Think Big

Emergency Fund — Start Small, Think Big

Many perceive building up their emergency fund as challenging when trying to pay off debt. It isn't as hard as you might think. The strategy is to start small, change a few habits, and change your mindset.

Here are five ways to boost your emergency fund and change savings habits for life:

Treat savings as a bill.
Figure out what you can afford to save each month and stash away $75, $50, $25, or even $10 a month. No matter the amount, it adds up and can become habit-forming. As your financial situation improves, increase the amount.

Live one raise behind.
When you get a raise, don’t begin spending more. Instead, apply the extra amount to your emergency fund.

Automate it.
Set up an automatic transfer to your emergency funds account. When the credit union receives your direct-deposited pay check, you can have a portion of it put directly into your savings or emergency account. Out of sight, out of mind, but you know it's there if you really need it.

Give savings a garage-sale boost.
Go from room to room in your home and purge stuff you no longer want and need. Then schedule a garage sale. Both your house and your savings will look better.

Think of it as a life jacket.
If you can't find that initial spark to get started, ask yourself how you'd pay your bills if you lost your job tomorrow. Having an emergency fund will help you keep “your head above water.”

We are ready to help with all your savings needs.

How to Eat Healthy on a Budget

How to Eat Healthy on a Budget

When you’re on a tight budget and always in a rush, it’s sometimes easier to hit a fast food restaurant or just microwave a frozen dinner– meals full of sodium, sugar, and saturated fat. So how can you eat more healthy?

Here are a few tips:

  1. Slow down.
    Eating healthy requires a little time and attention. Many people rush through their days, wolfing down their meals mindlessly, so they can hurry to the next appointment. Give yourself a little time to shop mindfully, prepare your food, and fully savor your meal.
     
  2. Buy produce in season and freeze it.
    Fruits and vegetables cost more when they have to be shipped from far-away sunny lands that can still grow produce in November. Buy these items locally, in season, and freeze them for use in the winter.
     
  3. Start your own vegetable garden.
    You can easily grow lettuce and tomatoes in small planters on a balcony or, if you have a yard, stake out a few feet to grow even more. You’ll even get a little exercise while you do it.
     
  4. Buy in bulk.
    Many grocery stores offer dry goods in bulk, saving you the usual packaging costs. You can also save on meat by buying in larger quantities and rewrapping in smaller, meal-sized portions. Freeze those portions to use for weeks to come.
     
  5. Check your dining-out habit.
    If you eat at restaurants often, the habit is taking a big bite out of your wallet. On average, a restaurant meal costs almost 5 times more than a home-made meal. Save dining out for special occasions.