Aspire is aware that Target stores located in the U.S. have experienced unauthorized access to payment card data.
There are no indications at this time that the unauthorized access to payment card data affected customers who shopped at Target's online stores. Target believes the information involved in the incident includes customer name, credit card or debit card number, card expiration date and CVV security codes.
According to Target, the unauthorized access may impact guests who made credit or debit card purchases in U.S. stores from November 27 to December 15, 2013. More specific information from Target can be found here.
Your security is our top priority.
We realize that the holiday season is an important time for your cards to work. As such please be advised that we will not shut down your existing card until Monday, January 6th to ensure that you are not inconvenienced. Once you receive your new card, please be sure to change any existing recurring transfers with your new card number (i.e. gym membership, EZ Pass, Netflix, etc).
If you've shopped at a Target store with your Aspire Visa Debit Card between November 27th and December 15th, we will be reissuing you a new Aspire Visa Debit Card immediately.
In the meantime, we recommend that you remain vigilant for incidents of fraud and identity theft by regularly reviewing your account online. If you discover any suspicious or unusual activity on your accounts or suspect fraud, be sure to contact us immediately at 888.322.3732
Click here for more information on how to protect yourself from Identity Theft.
Freshmen Finances – How to Budget for Financial Success
Freshman year of college is an exciting and challenging time for your children as they embark on their new college world. Not only are there new experiences for them both academically and socially but most teens will be financially independent for the first time. More independence means more responsibility. It’s important to talk to your teen about spending and budgeting before sending them off to college.
Paying for college is more than just covering tuition costs. It is best to help your teens set up a budget before they go off to college to help them understand what money is going out and what money is coming in.
The first step to creating a budget is considering your teen’s expenses. There are many costs to take into account, including room and board or rent, books and supplies, food and groceries, transportation, personal care (cosmetics, toiletries, prescription medications, etc.) and more. Don't forget to set aside funds for entertainment -- things like dining out, going to the movies, or big events like birthday celebrations or travel plans.
Next, figure out your teen's income. This includes any income from a school job, financial aid, scholarships, student loans, and any support or monthly allowances you will offer them. You should make it clear that income and expenses need to balance.
Staying on Track
Once you have a budget in place, to help stay on track you should help your child utilize a worksheet to track income and expenses.
It would be helpful if you reviewed this worksheet with your teen a couple of times each semester to make sure they are staying within their budget.
Credit unions are a great choice for your teen’s banking options. Many credit unions have free checking accounts with no minimums, and low or no fees for other services. In addition, many like Aspire FCU, offer student loans to help with tuition, auto loans, credit builder loans, scholarships, and back -to-school personal loans for your daily expenses we spoke about.
Make sure that your college student keeps an emergency fund so they can cover any unexpected items that may come up and you are not relying on credit to make any hurried purchases.
You probably budgeted and saved over the years to help your child attend college. Now, by teaching them to budget in college; you’ll be setting them up for financial success and independence throughout college and into their adult lives.
We may be able to lower your monthly auto loan payment and save you THOUSANDS of dollars over the life of your auto loan!
Apply to refinance your existing auto loan from another lender to Aspire FCU.
On average, our members SAVE$2,000 when they refinance with us. Click here for our Online Auto Loan Calculator to immediately see how much you can save.
Here an example of how we can save our members money on their auto loan:
Current Auto Loan – ABC Dealer
Refinanced Auto Loan – Aspire FCU
Loan Rate (APR)
Term in Months
48 (remaining term)
$28,000 (original balance)
$23,000 (remaining balance)
The Grand Total Savings over the life of the Auto Loan would be:
$2,691.32 back in YOUR pocket – not the Dealer’s!
To apply, simply log into My CU Online or call 855.MY CU LOAN now to speak with a Loan Expert.
*$2,000 is an estimated number based on the average savings of our members based on rate, vehicle value and individual credit worthiness. Actual savings may vary. Excludes existing Aspire auto loans. For qualified borrowers only.
Aspire FCU is led by a volunteer Board of Directors and a volunteer Supervisory Committee. These volunteers are just one reason why credit unions are a great alternative to banks. We are looking for people that would be interested in volunteering and learning about the financial services industry.
If you're innovative, enjoy helping people and have a few hours each month to dedicate to making improvements to our members' banking experience, let us know! Contact us at firstname.lastname@example.org for more information.