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Look for the NCUA logo at your credit union.
Generally, NCUA regulation Part 740 states each insured credit union must
display the official sign where insured account funds or deposits are normally
received including on its Internet page where it accepts deposits or opens
account. Insured credit unions may vary the font sizes from that depicted on the
official sign but requires the text be readable. Part 740.5 requires each
insured credit union must include the official advertising statement in all of
its advertisements, including on its main Internet page except as provided in
paragraph C of Part 740.5.
To control your expenses you need to know where is your money going unnecessarily, a friend of mine also told me to save money its not that I have to save because I don’t have much just for the sake...