Real-time payments allow money to move instantly—24/7—directly between bank and credit union accounts. For consumers, this means faster access to funds, improved cash flow, and more control over their money. Here’s what you need to know about real-time payment trends—and how they impact your everyday financial life.

In 2026, the most common scams targeting consumers include impersonation scams, AI-driven deepfake fraud, investment scams, payment-method scams, and job or income scams. Staying safe requires awareness, strong security habits, and knowing when to slow down and verify.

Your credit score plays a big role in your financial life. Whether you’re applying for a car loan, buying your first home, or securing a new apartment, lenders and landlords rely on this three?digit number to understand how you manage money. The good news? Your credit score isn’t fixed. With the right tools—many of which your credit union already offers—you can build, protect, and improve your credit over time.

Let’s break down what your credit score is, what affects it, and how your credit union can help you strengthen it.