Holyoke/Imperial Community Federal Credit Union

Holyoke/Imperial Community Federal Credit Union We are a financial cooperative locally owned and controlled by its members and was established to pr

OUR MISSION
Holyoke/Imperial Community Federal Credit Union is a financial cooperative locally owned and controlled by its members and was established to provide quality financial services and a safe, sound financial environment for members. We will adhere to the credit union philosophy of “people helping people” in serving our member’s needs.

🛠️Build the Perfect Homeowner Toolbox! 🛠️A well stocked toolbox is every homeowner’s secret superpower — but knowing wha...
06/02/2026

🛠️Build the Perfect Homeowner Toolbox! 🛠️

A well stocked toolbox is every homeowner’s secret superpower — but knowing what to put in it can feel overwhelming. Whether you’re brand new to DIY or leveling up your home repair skills, here’s your guide to building a toolbox that actually works for you. Happy fixing!

✨ Basic Tools (Start Here!) ✨

• Claw hammer — perfect for hanging pictures or tightening loose railings
• Screwdriver set — flat head + Phillips in multiple sizes
• Pliers set — different types for different tasks
• Adjustable wrench — tighten or loosen almost anything
• Handsaw — great for trimming lumber or cutting drywall
• Utility knife — opens boxes, trims wood, slices packaging
• Tape measure — a 25 ft retractable one is ideal
• Hardware — keep assorted screws + nails on hand • Level — because crooked shelves are nobody’s friend

🔧 Next Level Tools (When You’re Ready to Upgrade)🔧

• C clamp — holds wood steady for projects
• Stud finder — saves you from accidental holes
• Cordless drill — for tougher jobs a screwdriver can’t handle
• Hacksaw — cuts through plastic, metal, and wood
• Safety gear — goggles, ear protection, dust masks
• Putty knife — for spackle, grout, and scraping paint

🪚Advanced Tools (For the Handy Homeowner)🪚

• Sanders — smooth finishes for woodworking
• Carpenter’s square — measures angles, depth, and more
• Table saw — for ripping, cross cutting, and shaping wood

💪 🏡 Your toolbox is officially ready to take on anything your home throws at you. 🏡💪

What tool could you not live without?

💸Time for a Subscription Audit!💸Be honest — how many “free trials” have turned into surprise monthly charges? You’re not...
05/26/2026

💸Time for a Subscription Audit!💸

Be honest — how many “free trials” have turned into surprise monthly charges? You’re not alone. Subscriptions are designed to be easy to start… and easy to forget. But here’s the good news: a quick 10 minute subscription audit can put real money back in your pocket.

Start by checking:

✏️Your app store subscriptions
✏️Bank statements from the last 2–3 months
✏️Email receipts and renewal notices
✏️Streaming services you rarely use
✏️Auto renew memberships you forgot about

Canceling even one or two unused subscriptions can free up cash for savings, debt payoff, or goals you actually care about.

If you want to make the process even easier, try using a subscription tracking app like Rocket Money or Subscription Stopper. They help you spot forgotten charges, track renewals, and stay organized.

💲Extra Ways to Save During Your Audit💲

✏️Look for duplicates. Do you really need three streaming platforms or two music apps? Pick your favorite and pause the rest.
✏️Check for annual billing options. Some services offer a discount if you pay yearly instead of monthly — but only choose this if you truly use it.
✏️Review “free trials” you never canceled. Set reminders for future trials so you can decide before they renew.
✏️Downgrade instead of canceling. Many apps offer cheaper tiers you may not know about.
✏️Share responsibly. Some services allow household or family sharing — a simple way to cut costs without losing access.
✏️Reevaluate memberships tied to old habits. Gym you don’t go to? App you haven’t opened? Time to let it go.

A subscription audit is one of the easiest financial wins out there. Ten minutes today could save you hundreds this year — and that’s money you can redirect toward savings, debt reduction, or something fun that actually brings you joy.

💲 Small steps add up. 💲

❤️🤍💙Home of the free because of the brave!💙🤍❤️
05/25/2026

❤️🤍💙Home of the free because of the brave!💙🤍❤️

🧡🖤Good luck Longhorns at state track! 🧡🖤
05/22/2026

🧡🖤Good luck Longhorns at state track! 🧡🖤

❤️🤍💙Both of our branches will be closed Monday, May 25th, in observance of Memorial Day. 💙🤍❤️
05/20/2026

❤️🤍💙Both of our branches will be closed Monday, May 25th, in observance of Memorial Day. 💙🤍❤️

✨Your First Paycheck — Make It Work for You!✨Graduates, your first paycheck is a big moment — but it can also come with ...
05/19/2026

✨Your First Paycheck — Make It Work for You!✨

Graduates, your first paycheck is a big moment — but it can also come with a few surprises. Your gross pay (what you earn) and your net pay (what you take home) are not the same thing, and that’s completely normal. Before your paycheck reaches your bank account, several important deductions come out to cover taxes, benefits, and your future financial security.

Here’s what you’ll typically see on your paystub:

📍Federal Income Tax (FIT): Withheld based on the info you provide on your W-4.
📍State/Local Taxes: Only in states or cities that collect them.
📍FICA Taxes: 6.2% for Social Security + 1.45% for Medicare (7.65% total).
📍Pre tax Benefits: Medical, dental, vision, HSA/FSA — these lower your taxable income.
📍Retirement Contributions: 401(k) or 403(b) contributions (usually pre tax).
📍After tax Deductions: Things like union dues or life insurance.

W-2 vs. 1099:

📍 If you’re a W 2 employee, your employer handles tax withholding for you.
📍If you’re 1099/self employed, you are responsible for saving and paying your own taxes — so planning ahead is key.

💡Budgeting Made Simple: Try the 50/30/20 Rule💡

A great beginner framework: 50% Needs • 30% Wants • 20% Savings or Debt Payments.

If that feels overwhelming, start smaller. Even saving $10–$20 per paycheck builds the habit. Or try a fun challenge — like saving $5 a day for a month — to kick start your momentum.

📨Pro Tip: Automate Everything📨

Set up direct deposit and schedule automatic transfers to savings. When saving happens in the background, you’re more likely to stick with it.

📝Bonus: Adjusting Your W-4📝

If you have multiple jobs or extra income, you may need to increase your withholding so you don’t owe at tax time. The IRS Tax Withholding Estimator can help you dial it in. Increasing withholding can lead to a larger refund later — just remember it also means a slightly smaller paycheck now.

💰Your first paycheck is more than a milestone — it’s your chance to build strong financial habits from day one. You’ve got this.💰

✨🎓 Empowering the next generation, one scholarship at a time! 🎓✨🎉Congratulations to all of our scholarship recipients!🎉
05/19/2026

✨🎓 Empowering the next generation, one scholarship at a time! 🎓✨
🎉Congratulations to all of our scholarship recipients!🎉

🏌️‍♀️⛳️Good luck at state golf girls!⛳️🏌️‍♀️
05/17/2026

🏌️‍♀️⛳️Good luck at state golf girls!⛳️🏌️‍♀️

🏅💚Good luck at state track everyone!💚🏅
05/13/2026

🏅💚Good luck at state track everyone!💚🏅

🎓🏃Finish Strong & Start Faster 🏃🎓Crossing the graduation stage feels a lot like breaking the tape at the end of a race—m...
05/12/2026

🎓🏃Finish Strong & Start Faster 🏃🎓

Crossing the graduation stage feels a lot like breaking the tape at the end of a race—months or years of training, late nights, early mornings, and sheer determination all coming together in one powerful stride. But the moment you cross that finish line, you’re not done. You’re stepping onto a brand new track with new events, new lanes, and a whole new pace. These money moves help you start that next race with confidence, stability, and momentum.

💰Open a Savings Account💰

This is your warm up track—the place where your money stays flexible, protected, and ready. A dedicated savings account builds the habit of setting money aside and gives you a safe lane to store emergency funds or future goals. It’s the foundation of every strong financial race.

🏃‍♂️🏃Set Up Direct Deposit🏃🏃‍♂️

Think of direct deposit as the cleanest baton handoff you’ll ever get. Your paycheck goes straight to your account without delays or detours. That consistency helps you build rhythm, avoid missed payments, and stay in stride with your financial goals.

📊Build a Starter Budget📊

Every athlete has a race plan. A budget is yours. It helps you pace yourself, avoid burnout, and stay focused on what matters. When you know where your money is going, you stay in control of your lane instead of reacting to hurdles you didn’t see coming.

💲Save Part of Your Graduation Money💲

Graduation gifts feel like a victory lap, but saving a portion gives you a head start in the next heat. Whether it becomes your first emergency fund, travel fund, or “moving out” cushion, that early boost can keep you from stumbling later.

🚫Avoid Unnecessary Debt🚫

Debt is the hurdle that slows your stride. Some hurdles are part of the race—like student loans or a first car—but unnecessary debt can throw off your pace for years. Keeping your lane clear now gives you more speed, freedom, and options later.

Graduation is the finish line everyone sees, but the real race begins the moment you step off the stage. Set your blocks, tighten your laces, and make choices that keep you running strong long after the applause fades.

Address

101 W Denver Street
Holyoke, CO
80734

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+19708543109

Website

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