A QUICK GUIDE

Recovering from Holiday Overspend

The holiday season often brings joy but can also lead to financial stress due to overspending. If you find yourself facing post-holiday debt, here are some practical steps to help you recover quickly and efficiently.

1. Assess Your Finances: Start by gathering all receipts and statements from your holiday spending. Calculate the total amount spent and compare it to your original budget. This will give you a clear picture of your financial situation and help you identify areas to cut back.
2. Create a Recovery Budget: Draft a budget that prioritizes essential expenses like rent and groceries while allocating funds to pay off holiday-related debt. Look for non-essential items in your current budget that you can temporarily reduce or eliminate.
3. Increase Your Income: Consider side gigs or freelance work to boost your income. Selling unused items online can also help generate some quick cash. Even small amounts can add up and ease your financial burden.
4. Strategically Pay Off Debts: Focus on paying off high-interest debts first, which will minimize the total interest you pay. You can use the snowball method to tackle smaller debts for motivation or the avalanche method for a more cost-effective approach.
5. Plan for Future Holidays: To avoid future overspending, set a budget for the next holiday season and consider saving a little each month to cover your expenses. Using cash for holiday shopping can also help keep your spending in check.

Recovering from holiday overspending is entirely possible with a structured approach. By assessing your finances, creating a recovery plan, and focusing on both income and expenditure, you can regain control and make this year’s holiday season a more financially manageable one.

TRADITIONAL AND ROTH IRA CERTIFICATE

Grow Your Retirement Savings

Earn 3.25% APY* on a 12-month certificate

Introducing our new Traditional and Roth IRA Certificate. Grow your retirement savings the smart, secure way by combining the high earnings of a certificate with the tax advantages of an IRA.



Start planning for tomorrow, today!

KASASA CASH BACK CHECKING ACCOUNT

Free Checking that Pays You Back

Celebrate getting 5.00% cash back on everyday debit card purchases.**

• No category restrictions on purchases
• Cash back earned on up to $200 in purchases monthly
• Earn up to $120 cash back per year, $10 per month
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)
• Link to free Kasasa Saver® to build savings automatically
• No minimum balance to earn rewards
• No monthly maintenance fee

ENHANCING YOUR FINANCIAL JOURNEY

Credit Card Benefits

Our Credit Cards are designed to enhance your financial journey with a host of benefits tailored just for you:

• Competitive Interest Rates: Enjoy low rates that help you save on interest charges, making it easier to achieve your financial goals. 
• No Annual Fees: Maximize the value of your Credit Card with no extra costs.
• A Reward Points Program: Earn points on every purchase and redeem them for travel, merchandise, or statement credit when you use a Rewards Visa Credit Card.  
• Enhanced Security Features: Benefit from advanced security measures, including fraud monitoring and zero-liability protection.
• Convenient Mobile Access: Manage your account on-the-go with our user-friendly mobile app.

Take advantage of these exceptional benefits by applying for your Nordstrom FCU Credit Card today. 

OUR BOARD

Meet Linda Morehouse,

Board Member

Linda Morehouse has served on the board since September 2024 but has been a member of the Credit Union since 2012 when she was an Assistant Buyer for Home. Linda has utilized our auto loan program to purchase multiple cars. Dealerships just can’t beat our rates!  

Linda also sits on the Advisory Board for the local Sigma Kappa Sorority Chapter and local Little League. Linda is the ultimate sports mom; keeping busy with baseball, soccer, tumbling, swimming, and karate for her son and daughter. 

Our Rewards Visa, Traditional Visa and our Debit Card all have Auto Rental Collision Damage Waiver. That means, when you use your Nordstrom FCU Credit or Debit Card to rent a car, you can receive reimbursement for damage due to collision or theft on that rental car. 

All three cards also carry Porch Piracy Protection. When you use your Nordstrom FCU Credit or Debit Card for your online purchases, you are covered if they are stolen after being delivered to your home. 

In addition to all of that, our Rewards Visa carries Lost Luggage Reimbursement along with Trip Cancellation / Interruption Protection. 

There are so many reasons to use your Nordstrom FCU Cards for all of your purchases!

Upcoming Events

Friday, January 31: All interest income statements have been sent to members. If you receive e-statements, check your documents within online banking. 

Monday, February 17: Presidents Day - Closed

Thursday, March 27: Annual Meeting, 12:00 pm Pacific Time In Person and Online

For the latest news from Nordstrom FCU, like and follow us!

*APY = Annual Percentage Yield. Rates valid as of 1-1-2025. Rates subject to change, fees may reduce earnings. Minimum deposit $500. Early withdrawal penalties may apply. Individuals should consult with their financial adviser and/or attorney for advice on Individual Retirement Accounts (IRA). Federally insured by NCUA

**Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200 in debit card purchases that post and settle to the account during that cycle period. A maximum of $10 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed.

Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.