letter from the President
Life puts obstacles in your way; we’re here to help you overcome them.
 
A few years ago, just as I was transitioning into the CEO role at Canopy, I took on the challenge of training for and participating in competitions known as Spartan Races. The events involve running long distances over challenging terrain and completing a series of obstacles at various stages along the course. One of the most daunting for me was an obstacle that required runners to navigate across a series of hand holds, sort of like extreme monkey bars, only each of the hand holds would rotate as you tried to grab onto it. Needless to say, it was a difficult and frustrating challenge – especially when your hands are wet and covered in mud.
 
The one thing that helped me get through those races, though, was the constant encouragement and support of my training partner, friend and coworker Shelly. When I would want to give up, Shelly would be there to remind me that I could overcome whatever was in front of me. We supported each other and that made overcoming the obstacles feel like something we could succeed at together.

Shelly, left, and Charlotte at the finish of a Spartan Race
Finance or refinance your vehicle with us and enjoy freedom from loan payments for up to 100 days!
5 easy ways to spring clean your personal finances

Like many of the things we’ve put off or postponed due to the pandemic, personal finances have probably stayed on the back burner this year as well. Unfortunately, the past couple of years have had a big impact on our financial lives, so taking some time to take stock and clean up the ways we use and manage our money is probably overdue.

Spring presents us with a great time to review finances and address any neglected areas. Here are a few ideas to help you spring clean your finances.

10 tips to help prevent identity theft

Everybody’s personal data is at risk. We provide personal account information like passwords and account numbers to access online accounts all the time. When we do, there’s always some level of risk that a criminal could steal and misuse it.

The best way to help prevent identity theft is to sign up for an identity theft protection service. Although an identity theft protection service can't prevent identity theft, it can alert you promptly when it happens to limit the damage and help you recover. Identity theft protection can help safeguard your personal information for a monthly or annual fee.

now's the time to tap your home's equity
FIXED RATE HELOCs and home equity loans!

It’s no secret that interest rates are on the rise. But for now, they’re still historically low. If you’re considering a big project around the house, a major purchase, the big family vacation you’ve put off for the past two years, or something else entirely, talk to us.

A home equity line of credit from Canopy can help you leverage the increasing value and equity of your home to create flexible spending power at a low fixed-interest rate that you can access as needed and then repay over time. If you already have a variable rate home equity line of credit with another institution and you’re worried about rates going up, talk with us about refinancing at a low fixed rate today.
ask a Financial Coach

Q: WHAT ARE SOME EASY THINGS I CAN DO TO IMPROVE MY CREDIT SCORE?
A: We get this question a lot. Here are some quick tips to help get your score moving in the right direction:

Q: HOW DO I PRIORITIZE MY BILLS WHEN I DON’T HAVE ENOUGH MONEY TO PAY THEM ALL?
A: It’s a great question and one most of us are likely to bump up against at some point in our lives. While every person’s situation is different, there are a few things that make sense for everyone.

Rick Hoskins
CFS* Financial Advisor
6 keys to more successful investing
A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic principles that may help you invest more successfully.

Follow us on TikTok for laughs
and tips!
Federally insured by NCUA
Canopy Credit Union | 509.328.2900 | www.canopycu.com