 Tennessee's Tax-Free Holiday Weekend is the perfect time to stock up on back to school items and more! During this time, clothing, school supplies, and computers and other qualifying electronic devices may be purchased tax-free. Items sold online are also tax-free. Spending caps are applied on specific items.
LG&W Federal Credit Union has many online and digital options to help our members access their money without going to a branch.
Online Banking Easy, secure, and free online banking allows you to view account activity and transfer funds between accounts, along with these features:
Mobile Banking Our Mobile Banking app to connects your smartphone or other mobile device to use Online Banking from practically anywhere. Mobile Banking also includes Remote Check Deposit where members can take a photo of a check to directly deposit in an account. Mobile Banking is a free app available for iPhones and Androids. >> Link to Mobile Banking ATMs Surcharge-free ATMs give members access to more than 30,000 surcharge-free ATMs across the country through the MoneyPass ATM Network and CO-OP Financial Services Network. >> Link to more information on ATM Networks  After the past few months, we all could use a vacation! If you find that it takes a couple of vacation days to destress before the real vacation begins, here are some tips on how to slip out of work mode and into a relaxing getaway without missing a beat!
Don't Make Yourself Too Available You may feel compelled to check in the office every day or to make yourself available to work calls or emails, but don't fall in that trap! If needed, assure that your colleagues that you will check in from time to time. Let your work calls roll into voice mail and check on occasion but don't feel the need to be on stand-by, Prepare Yourself for Hiccups Your flight may be delayed, your room may not be ready when you arrive, or it may rain. It's OK! Mishaps and meltdowns happen, but they don't have to ruin a trip. Make those mishaps part of your adventure and pivot to different activities. Remind Yourself You Earned Your Vacation You've worked hard throughout the year to enjoy these precious days off, and frankly, you need time to re-charge. If you start feeling guilty about not taking work calls, remember that vacations are a time to heal and re-energize so that you can perform your best throughout the year. Be Careful of Your Phone Checking voicemails and emails is too easy with our smart phones. So make sure that you silent your calls and only use your phone to enhance your experience. Take photos, enjoy fun apps, load up your Insta but don't feel compelled to respond to emails. Plan for Some Adventure There's no better way to shake off your normal work routine than by doing something unexpected. Plan a special activity to get your adrenaline pumping like swimming with dolphins, parasailing, or renting a boat. Rest Easy Knowing Everything Will Be Fine While you're an important part of your work team, just remember that the world will not collapse if you take a vacation! Talk with your colleagues before you leave about the tasks that will get done when you get back, and delegate your priorities that are critical while your gone.  When your family has to stay inside for days, weeks, or even longer periods of time—boredom can set in quickly. It might be tempting to let your kids spend hours in front of a screen, but many experts recommend limiting their screen time. If you’re looking to mix things up, consider these fun and creative activities that the entire family will enjoy.
Have a game night. Bring out the board games, and let the fun begin! To up the ante, consider a tournament, with small prizes for the winners. Games like Monopoly and Life are great ways to teach kids about the value of money. If you don’t have any board games, then dig out a deck of cards. Can’t remember all the rules, a quick online search will give you everything you need. Get creative with crafts. Try a craft project such as knitting, model building or tie-dyeing t-shirts. For inspiration, go online to find age-appropriate craft projects. If you’re short on supplies but can’t make it to the craft store, choose a project that uses common household items. For example, you could cut pictures out of magazines to make a collage. Put on a skit or play. This is an activity that could take hours, if not days. Write a script for a skit or a short play, put together costumes, and design a “set” from household furniture and whatever props are at hand. Then, rehearse. When everyone has memorized their lines, it’s show time. The kids could put on a play for the adults, or the entire family could join in, filming the play to share with friends and relatives. Create a Scavenger Hunt Hide clues throughout the house and yard. Each one will have a puzzle or riddle that needs to be solved to find the next clue location. It’s a great way to squeeze in a math or critical thinking challenge without the kids noticing. The kids (either alone or in teams) will work their way through the clues to find a special prize at the final, “secret” location. You can vary the degree of clue difficulty based on the age or grade of your children. Tell a “pass-on” story. A “pass-on” story is a tale told by several people, with each person taking a turn to add to the narrative. One person begins the story. It could be a mystery, a comedy, a ghost story, or whatever comes to mind. Then, the next person takes up the story where the first person left off, adding a few more sentences of narrative before it’s the third person’s turn. The resulting story can be very wacky and entertaining. Record it and play it later for more laughs. FaceTime or Skype with Family and Friends. Check in with family and friends over the phone or with a computer. If you have an unlimited data plan and a good internet connection, create an epic family versus family game or activity. Pictionary, karoake, and charades are just a few examples of activities that would be easy to do online. It’s a good way to practice “social distancing” while having some fun. Cook a meal or a special dish. Cooking together, as a family, can be wonderful bonding experience. Or, you could allow each child to choose a special dish to prepare on their own. Kids who aren’t old enough to cook unsupervised could help parents with tasks such as measuring and mixing ingredients. Be sure to talk about the cost of the dish or meal that you are prepping. Make a few quick calculations to determine the cost per serving. Then, the next time you make a meal together, challenge your family to create a delicious meal that costs even less. Sing songs. In addition to being fun, singing is a great morale-booster. If any of your family members play instruments, they could accompany the singers. Or, go online to find instrumental versions of your favorite songs, and have a family concert night. Who knows, you might be creating the next Youtube sensation. Re-decorate a room. If your family is experiencing cabin fever, then it might be time to change your surroundings. Enlist the entire family to help re-decorate a room. Move the furniture, rearrange decorative items on shelves and tables, or paint the walls. Give them a small budget so they know what they can and can’t afford. As a parent, you’ll have the final say on how the room is decorated, but you can get your kids on board with the project by letting them be in charge of certain things, such as how to arrange the figurines on a shelf. Being house-bound doesn’t have to lead to boredom. These activities will help your family to pass the time, learn a few things and create some long-lasting memories together. Nothing is more important right now than the well-being of our members, our staff, our families and our community. We are here to serve you and provide access to your accounts and banking needs.
For the health and safety of our members and staff, branch services are now limited to drive-thru only as we seek to comply with the recommendations of health experts for maintaining proper social distancing during the COVID-19 pandemic. Our lobby is closed until further notice. We encourage you to use our nation-wide ATM network, online banking services, and free mobile app, which allow you to safely access your accounts and manage your money 24/7 from the comfort of your home or workplace. Our entire staff is at work and available to serve you, and you may reach us by telephone at 901-680-7995 or by email at contactus@lgwfcu.com. . We appreciate your continued patience as we work to serve you safely. LINK TO ATM LOCATOR LINK TO ONLINE AND MOBILE BANKING CONTACT US VIA EMAIL  We are here to serve you, and we know that this is a challenging time. If the COVID-19 pandemic has created a hardship within your family, we are here to help. We are now offering 60-day extensions with no fee on qualifying loans requested in the months of April and May 2020. If you need to speak to someone concerning your LG&W Federal Credit Union loan, please call us at 901-680-7995.
For You. For Life. Extension Disclosure If you make your loan payments through your payroll with payroll deduction, your payment will be deposited into your Savings Account. Interest still accrues daily and will result in less funds being applied to the principal of the loan when the next payment is made. Mortgage loans, Home Equity line of Credit Loans and Credit Cards are excluded. Extensions to a loan with GAP (Guaranteed Asset Protection) could result in your GAP protection value being significantly less. (Refer to your GAP contract) To further combat the spread of COVID-19, the City of Memphis has issued Safer at Home Order that will remain in effect until April 21— directing all residents of Memphis to stay inside their homes, and immediately limit all movement outside of their homes beyond what is absolutely necessary to take care of essential needs.
 Many Americans are being financially affected by the coronavirus disease (COVID-19) pandemic. As businesses close their doors to keep their customers and employees safe, thousands—if not millions—are facing several weeks of pay disruption and infrastructure shake up.
In response to the national emergency, consumers are feeling financially insecure and wondering what it means for their wallet. What can you do to be financially responsible and vigilant during this time? CUNA released five steps consumers should take to exercise financial caution in the face of a global pandemic:
Article from the BALANCE Financial Guide
1. Set S.M.A.R.T. Goals Saving tends to be easier when you have a certain purpose in mind: Saving for your first house, your retirement at a certain age, a child’s college education, or even a trip around the world. The important thing is for your goals to be specific, measurable, actionable, realistic and time-bound, or SMART. To develop a sound plan, these goals must have both a time frame and a dollar amount that is MEASURABLE. Once you have listed and quantified your goals, you need to prioritize them. You may find, for example, that saving for a new home is more important than buying a new car. Whatever your objective, be SPECIFIC. Figure out how many weeks or months there are between now and when you want to reach your target. Divide the estimated cost by the number of weeks or months to make it ACTIONABLE. That’s how much you’ll need to save each week or month to have enough money set aside. Ask yourself, is this REALISTIC? Remember, a goal is a dream with a deadline. 2. Pay Yourself First Save and invest 5-10% of your gross annual income. Of course, this can be much harder than it sounds. If you’re currently living from paycheck to paycheck without any real opportunity to get ahead, begin by creating a solid spending plan after tracking all monthly expenses. Once you figure out how you can control your discretionary spending, you can then redirect the money into a savings account. For many people, a good way to start saving regularly is to have a small amount transferred automatically from their paycheck to a savings account or mutual fund. The idea: If you don’t see it, you don’t miss it. 3. Maintain an Emergency Fund Before you commit your newfound savings to volatile and hard-to-reach investments, make sure you have at least three to six months’ worth of expenses saved in an emergency fund to see yourself through difficult times. Keeping it liquid will ensure that you don’t have to sell Members are encouraged to visit the Center for Disease Control's comprehensive COVID-19 website for information about symptoms, updates and steps on how to protect yourself and your family.
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