Bookmark & Share:              


         November 2017
Home

"The stockings were hung by the chimney with care, in hopes that Saint Nicholas soon would be there!"

We believe we are "Holiday Helpers"... with a personal loan or low-interest credit card.

A personal loan from First Central can help you meet any need and make any dream a reality. Perhaps you're budgeting the holidays, want to take a holiday vacation, or need to consolidate debt — First Central, your community credit union, has you covered.

We have solutions with low interest rates, fast processing, and convenient repayment terms. Plus, you can always rely on efficient, personalized service from people you trust.

Finance almost anything you want or need - A variety of loans to meet your specific needs - Competitive fixed and variable rates - Flexible terms and payments - Easy application process - No application fees or pre-payment penalties - Friendly, experienced loan advisors - Quick local decisions

3.9% APR* for 12 Months

First Central Visa Credit Card

Perhaps you find yourself paying just the minimum monthly payment on a larger than you'd like credit card balance with a high interest rate. It can happen before you know it. Take action now by transferring your balance to a First Central VISA credit card. There is no annual fee. There is no balance transfer fee. Receive savings immediately when you make the move. Conveniently begin your application online https://www.firstcentralcu.com/loans-credit/visa-credit-cards.html

*APR = Annual Percentage Rate. Membership and qualification requirements apply.


Home Page
Accounts
Loans & Credit
Services
Resources
Locations & Hours
Contact Us
Privacy Policy

October 2017
September 2017
August 2017

[MORE]
Subscribe to our Newsletter
Tell A Friend
Winter Home Maintenance Checklist
Prepare your home for the woes of winter

Discover how you can protect your home from the harsh temperatures and conditions that cold weather brings. 

Clean your gutters

According to Farmers.com, cleaning out your gutters is an important step to prepare your home for winter. Clogged gutters are more prone to freezing in cold weather.

Furthermore, if gutters are blocked, melting snow and ice could flood the foundation of your house or create a leak in your roof. Clean gutters can go a long way in preventing wintertime destruction to your home.

Invest in the right tools

Make sure your garage is well stocked with snow- and ice-clearing items. Travelers.com suggests having a roof rake to clear snow from the roof. A couple of snow shovels will help you to keep your driveway clear.

Another useful tool to stock up on is salt or an alternative ice melting compound; gathering these items now will ensure that you have them on-hand before inclement weather hits.

Stock up on the essentials

Winter weather sometimes triggers snow-ins and blackouts. Make sure your home has the necessary supplies and food you’ll need to ride out the storm for a few days if necessary.

Statefarm.com suggests compiling a collection of the following: blankets, bottled water, flashlights, first aid kit and canned food. A battery backup for your computer and electronics is another useful investment. You should also write down the phone numbers for the utility company you use. 

Pre-winter yard care

According to Statefarm.com, keeping a tidy lawn can help your house stay protected against winter’s weather. Before the cold weather sets in, trim any tree or shrub branches that are near your house. This will minimize the chance of any icy branches breaking and damaging your roof or a window.

Insulate and ventilate your attic

Because your house can vent its heat through the attic, this can lead to melting and refreezing the snow and ice on your roof. Resulting ice dams can trigger more snow and ice buildup, which harm your roof. To prevent these problems, Farmers.com suggests you evaluate your attic to make sure chimneys, light fixtures, pipes and vents are well insulated.

Ventilation is just as important because it allows cooler air from outside inside the attic to help prevent warm air from melting and refreezing water on your roof. Before winter, inspect your attic to make sure it is properly ventilated. If it doesn’t have a ventilation system, contact a contractor to install one before winter sets in.

Protect your pipes

Frozen pipes are one of the most costly damages that occur during winter. Travelers.com advises that you make sure you know how to shut off your water; it’s also a good idea to familiarize yourself with the exact location of your pipes in case they freeze.

There are some preventative measures you can take to avoid frozen pipes in the first place, however. Farmers.com recommends caulking holes and cracks in your walls to protect your pipes from cold air that might leak in. Inspect your pipes especially in more exposed areas like attics, garages and crawl spaces. Travelers.com advises that you insulate the pipes in these areas with UL-Listed heat tape available at your local hardware store.

Maintain your pipes

During extremely cold weather, Statefarm.com advises letting faucets drip, which will help keep your pipes from freezing. Leave cabinet doors open to let warm air come in contact with under-the-sink pipes in your kitchen and bathroom areas.

With these strategies, you will help shield your house from damages so you can enjoy a warm, dry residence this winter.


[PRINTER FRIENDLY VERSION]
Published by First Central Credit Union
Includes copyrighted material of IMakeNews, Inc. and its suppliers.
Disclaimer - All content contained in this newsletter is for informational purposes only and should not be relied upon to make any financial, accounting, tax, legal or other related decisions. Each person must consider his or her objectives, risk tolerances and level of comfort when making financial decisions and should consult a competent professional advisor prior to making any such decisions. Any opinions expressed through the content in this newsletter are the opinions of the particular author only.  


Powered by IMN™