Latitude 32 Credit Union

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Latitude 32 Credit Union Official page of Latitude 32 Credit Union. Equal Housing Lender. Federally insured by NCUA.

Every December, a lot of households have the same conversation. And every January, somebody says “next year I’m starting...
10/23/2026

Every December, a lot of households have the same conversation. And every January, somebody says “next year I’m starting earlier.”

This is the week to actually do it.

A club account is the unglamorous tool for exactly this. You open one, set a small automatic transfer from each paycheck, and don’t touch it. By next fall there’s a pile of money sitting there with your name on it, and the holidays stop being a thing that happens to your budget.

The math is unexciting, which is the point. Twenty dollars a week from now until next Thanksgiving is more than a thousand dollars, and you’ll barely notice it leaving.

We offer club accounts. Come in or give us a call and we’ll set one up — it takes about as long as this post took to read.

Federally insured by NCUA.

Most people assume Facebook’s Purchase Protection has their back on Marketplace. It covers one thing: transactions that ...
10/21/2026

Most people assume Facebook’s Purchase Protection has their back on Marketplace. It covers one thing: transactions that go through Facebook’s own checkout.

Cash isn’t covered. Venmo isn’t covered. Zelle isn’t covered. Which is to say, the way almost everyone actually pays on Marketplace isn’t covered.

If you’re selling, know the overpayment scam. A buyer “accidentally” sends too much and asks you to refund the difference. You send real money back; their original payment reverses later. It’s one of the most commonly reported Marketplace frauds.

There’s also a fake “business account upgrade” email going around that impersonates Zelle or Venmo and tries to get sellers to send money. Neither company is going to email you asking for payment to upgrade anything.

Worth knowing how big this has gotten: the FTC put social media scam losses at $2.1 billion in 2025 — eight times what they were in 2020.

Read the full post: https://latitude32.org/blog/what-you-need-to-know-about-facebook-marketplace-scams/

Federally insured by NCUA.

Most people know to pay their credit card on time. Fewer know that when you pay — not just whether you pay — can move yo...
10/20/2026

Most people know to pay their credit card on time. Fewer know that when you pay — not just whether you pay — can move your credit score.

Here’s the part that surprises people: the balance reported to the credit bureaus is whatever’s sitting on the card when the record gets pulled. Which means you can pay in full every single month and still have a balance showing on your credit report.

That matters because what you owe is the second-biggest factor in your score, right behind payment history.

So: find your statement closing date. It’s on your statement, and it’s usually a few weeks before your due date. Paying the balance down before that date — not just by the due date — is what lowers the number that gets reported.

Worth knowing now, because holiday spending is about to push a lot of balances up. If you’re planning to apply for anything in the new year — a car, a mortgage, a refinance — the balances you carry through November and December are the ones a lender will be looking at.

One more thing most people don’t realize: card issuers can lower your credit limit. That raises your utilization without you spending a dollar more. Another reason to actually read the statement.

Federally insured by NCUA.

"Free" turns off the part of your brain that does cost-benefit math. That's the point.Three habits that handle most of i...
10/14/2026

"Free" turns off the part of your brain that does cost-benefit math. That's the point.

Three habits that handle most of it:

If you have to pay anything, it isn't free. An FTC case involved "risk free" trials advertised at the cost of shipping — about $4.95. Some customers ended up charged as much as $98.71 and enrolled in ongoing plans they never agreed to. The shipping fee was never the point. Getting your card number was.

Read every box before you submit. Pre-checked boxes can authorize recurring billing and marketing consent you didn't intend to give. Uncheck what you don't want.

Don't scan a QR code you weren't expecting. Not on a package, not in a message. It's the newest version of a very old trick, and it can land you on a spoofed site.

Our new post sorts free offers into three tiers: straight scams, deceptive-but-legal marketing, and honest offers that still cost you something.

Read it here: https://latitude32.org/blog/when-are-free-offers-dangerous/

Federally insured by NCUA.

This Thursday is International Credit Union Day. The 78th one — our 74th as part of it.This year's theme, set by the Wor...
10/13/2026

This Thursday is International Credit Union Day. The 78th one — our 74th as part of it.

This year's theme, set by the World Council of Credit Unions, is "Cooperative Finance: A Steady Signal in a Noisy World."

That lands a little close to home for a credit union named after a line on a chart. A latitude is a fixed reference. It doesn't move when conditions do. That's roughly the whole idea behind this model: an institution that answers to the people who bank there, and doesn't change course because a quarterly number says to.

Credit unions in dozens of countries mark the day. We'll be marking it here Thursday.

Federally insured by NCUA.

Black Friday scam websites were up 89% in a single year. Phishing emails impersonating major retailers rose more than 2,...
10/08/2026

Black Friday scam websites were up 89% in a single year. Phishing emails impersonating major retailers rose more than 2,000% during peak shopping season, according to a Congressional Joint Economic Committee report.

Here's the habit that defeats most of it: go to the retailer directly. Type the address, or use a bookmark. Don't click through from an ad, an email, or a text — that's the step where lookalike sites get you.

Three more worth building in:

Check the URL before you log in or check out. Scammers register addresses one character off from the real thing.

Treat an unbelievable price as a reason to look harder, not a reason to hurry. And not every disappointing Black Friday price is a scam — some are just marketing. The summer price was sometimes lower.

Pay by credit card. You get dispute rights that wire transfers, crypto, and often debit cards don't.

One correction while we're here: HTTPS and the little padlock mean your connection is encrypted. They say nothing about whether the business on the other end is real.

Full post: https://latitude32.org/blog/how-to-shop-safely-during-the-2026-holiday-season/

Federally insured by NCUA.

Open enrollment is happening now, and there's one number in it that people routinely guess at: the FSA or HSA contributi...
10/06/2026

Open enrollment is happening now, and there's one number in it that people routinely guess at: the FSA or HSA contribution.

Don't guess it. Here's the better way:

1. Look up what you actually spent last year. Your plan's claims history and your own statements both have it, and they're more honest than memory.

2. Set this year's amount from that number, adjusted for anything you know is coming — a procedure, new glasses, a kid's braces.

3. Submit before your window closes. Your employer sets that date, so check it rather than assume.

Why it matters: you're locked in for 12 months. Set it too low and you're paying out of pocket with after-tax dollars. Set an FSA too high and, in most plans, you forfeit whatever you don't spend.

Dates worth knowing: employer windows are opening now, Medicare's annual enrollment runs October 15 through December 7, and Marketplace enrollment opens November 1.

We're not here to tell you which plan to pick. The contribution amount, though, is a budgeting question — and that one's worth sitting down with.

Federally insured by NCUA.

Your phone rings. The caller ID says Latitude 32 Credit Union. It isn't.Caller ID is not verification. It's a field that...
10/05/2026

Your phone rings. The caller ID says Latitude 32 Credit Union. It isn't.

Caller ID is not verification. It's a field that can be filled in with anything, and faking it doesn't take sophisticated hacking — it takes basic, widely available technology. Scammers display real institution names and real local numbers because it works.

That's also why so many scam calls come from your own area code with familiar first digits. It's called neighbor spoofing, and it exists for one reason: people answer calls that look local.

The one habit that beats all of it: hang up, then call back on a number you found yourself. Off your card, off your statement, off a website address you typed in. Never the number the caller gave you.

And worth knowing our own policy: we will never call and ask for your full account number, Social Security number, validation code, or phone number. If someone claiming to be us asks, that's the tell.

Our number is (843) 556-4809. Save it.

Read the full post: https://latitude32.org/blog/how-scammers-fake-phone-numbers-with-caller-id-spoofing/

Federally insured by NCUA.

Applications for the 2026 Jingle Bills Loan are open, and you can schedule your loan meeting now. First appointments beg...
10/01/2026

Applications for the 2026 Jingle Bills Loan are open, and you can schedule your loan meeting now. First appointments begin October 15.

It's a small, fixed, one-year loan built for the season, at 15.25% APR, with no credit check. It runs on your account history rather than a credit score — membership of at least 45 days, a year at your current job, and an established direct deposit with us.

Three steps:

Prequalify — about a minute, no impact on your credit.
Apply — still no credit impact.
Schedule your meeting at a time that works for you.

Appointments fill up as the season gets closer, and the earlier it's finalized, the more of your shopping you can actually use it for. A loan that lands in December helps less than one that lands in October.

To learn more, read the blog (link in comments), call (843) 556-4809, or stop by 1845 Sam Rittenberg Blvd.

Federally insured by NCUA.

Three months left in the year. Some financial deadlines are December 31. One big one isn't, and people lose money assumi...
09/29/2026

Three months left in the year. Some financial deadlines are December 31. One big one isn't, and people lose money assuming it is.

December 31 is real for:

Your 401(k). Contributions run through payroll, so you can only move the number with the paychecks you have left. Waiting until December means very few chances to adjust.

FSA funds. Most plans are use-it-or-lose-it at year end, though some employers allow a grace period or a small carryover. Worth checking which yours is now rather than on December 28.

Charitable giving, if you want it to count toward this tax year.

But your IRA isn't. Contributions for 2026 can be made until April 15, 2027. And one catch worth knowing: filing a tax extension doesn't extend that. April 15 is still the last day, even if you file in October.

None of this is urgent today. That's sort of the point — it's a lot easier to handle in October than in the last week of December.

Federally insured by NCUA.

Address

1845 Sam Rittenberg Boulevard
Charleston, SC
29407

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5:30pm

Telephone

+18435564809

Website

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