3Rivers Contributors

Chad Gramling

Marketing Insights Manager

Chad Gramling portrait

Chad Gramling is a GenXY Tweener who relates more to his grandparents’ generation. Often called a dreamer both as compliment and insult, he’s usually overthinking (though some would posit he doesn’t think at all). At 3rivers, he’s been a team member since 1999 and has run the gamut from simple desktop publishing to web and online development, product management, and business intelligence. His blogging focuses on headlines of the day with insights into how concepts and trends relate to management of money matters – but he’ll play a wild card and blog about something vastly different from time-to-time.

What’s the Deal with these Pink Postcards?

Posted on Thursday, October 25, 2018

Members are reporting pink postcards urging them to call a number about a time-sensitive matter on their mortgage. To their credit, something didn’t seem right. With all due respect to…

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How to Leverage Your HSA for Retirement Impact

Posted on Friday, September 22, 2017

Health Savings Accounts (HSAs) are rapidly becoming a part of many U.S. consumer retirements plans. Not only do they enjoy triple tax benefits* and allow funds to roll over year-to-year, there…

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Why Are Health Savings Accounts a Part of Many Retirement Plans?

Posted on Wednesday, September 20, 2017

Imagine you and your spouse are 65-years-old and retiring this year. I hope you have about a quarter-million dollars saved just to cover the healthcare costs you’ll have through…

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The Equifax Data Breach: Steps You Should Take Now to Prevent Fraud Later

Posted on Monday, September 11, 2017

Credit reporting agency, Equifax announced a cybersecurity incident potentially involving the personal information of about 143 million U.S. consumers. They state that “unauthorized…

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Helping Victims of Hurricane Harvey + Avoiding Donation Scams

Posted on Tuesday, September 5, 2017

The news reports about the Hurricane Harvey victims can really tug at your heart. You may even be moved to donate whatever you can to assist in the relief efforts. Unfortunately, though,…

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Tax Return Refresher + Resources

Posted on Wednesday, January 18, 2017

In light of the oncoming tax filing season, here's a refresher that includes some tips and resources to help ease the stress that comes with it. Get a Head Start For…

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Card Skimming: What Are Skimming Devices + How Can You Stay Safe?

Posted on Tuesday, November 15, 2016

What is Card Skimming, Why is it Happening More Often, and How Do I Stay Safe? While it’s hardly a new tactic, incidents of card skimming at point of sale terminals are on the…

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Payday Loan Scams: How They Work + How to Protect Against Them

Posted on Monday, October 17, 2016

Looks Legit! What Could Go Wrong? A Lot, Actually Scammers have a lot of time on their hands to develop and try out new scams, so they are never short on new twists to stay sophisticated in…

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4 Easy Steps to Breaking Up with Your Bank

Posted on Wednesday, September 14, 2016

Blogger, Shane Ferro made a few waves in 2014 when she posted a simple 4-step recipe for breaking up with your bank after she grew disenfranchised with the big bank she had been with all her…

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Think About Protecting Your Purchase Before Saying “No”

Posted on Thursday, February 18, 2016

I know what you’re thinking: protection plans and warranties can’t possibly be worth it, can they? Hey, I’ve been there, I get it. I’ve been in the checkout line to buy…

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Are All Cards Created Equal? Yes… and No.

Posted on Monday, August 31, 2015

With my first credit card in hand, I ventured off to college in 1995 as a skinny freshman with a computer that boasted a whopping 850MB hard drive. That was supposed to be more space than…

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Save Time and Money with the 3Rivers Car Buying Service

Posted on Saturday, May 9, 2015

With a potentially rainy weekend upon us, don’t let that stop you from researching, shopping for and buying your next vehicle. In fact, no one makes it easier than 3Rivers to shop for…

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Get Paid for Telling Us About Your 3Rivers Experiences!

Posted on Friday, February 20, 2015

If you have an eye for detail and about 30 minutes per month, you can make a difference here at 3Rivers. And we’ll pay you for your time! Since our members are vital to our continued…

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EMV: The Future of Card Security

Posted on Friday, January 16, 2015

Target. Heartbleed. Home Depot. With the widespread news of the many security breaches in the last year, it may seem like consumers are seeing only the tip at the iceberg when it comes to…

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Enter the TurboTax $25K Giveaway!

Posted on Thursday, December 11, 2014

Make sure your taxes are done right and get a chance to win big. Try any TurboTax® Online product for free and get entered into the TurboTax $25K Giveway.1 All you need to know is…

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Happier Holidays with a Holiday Loan that Pays YOU

Posted on Monday, December 8, 2014

Now that the turkey is eaten, the Black Friday lines are gone and we’re awaiting delivery of our Cyber Monday buys, let’s talk money. If you’re like many of us, you realize…

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Your Info + Helping Us Serve You Better

Posted on Friday, November 14, 2014

As your credit union and a trusted partner for helping with the most important money matters in your life, we place a lot of emphasis on being able to reach you. We’re not talking about…

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Why Right Now is Right for a 529 College Savings Plan

Posted on Thursday, November 13, 2014

One of the best tools for helping give the gift of a college education is a 529 college savings plan. They were established to help people save money for students' post-secondary or higher…

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Home Depot Confirms Security Breach – Identify if Your Card is at Risk

Posted on Tuesday, September 9, 2014

We shared early details of a potential card security breach at Home Depot on September 4th. Since that time, Home Depot has confirmed the breach, which potentially impacts anyone who shopped…

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A New Wave of Retailer Security Breaches and What it Means to You

Posted on Thursday, September 4, 2014

Several folks from the 3Rivers team are closely following recent news about potential card data breaches involving Home Depot and Goodwill Industry stores. Because this could involve a large…

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#TBT - 3Rivers Website Through the Years

Posted on Thursday, August 21, 2014

In 1998, the domain 3riversfcu.org was first registered and a website came up soon after. By today's standards, it was simply a digital brochure. Yet for 1998, it was a bit ahead of its…

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This is another draft

Posted on Wednesday, July 30, 2014

Just trying to see if Nick can read this in his notifications!

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The Value in Getting Cash Back on Your Auto Loan

Posted on Monday, July 14, 2014

Last year, we at 3Rivers made a decision to no longer accept applications submitted by auto dealers on behalf of buyers. As technology has evolved to include online and mobile applications,…

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About our New Look Website

Posted on Thursday, July 10, 2014

We’re very excited to welcome you to our newly updated website. It's been developed on a new technology platform so it is consistent in how it provides content, tools and advice by…

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Protecting Your Money Matters from Heartbleed

Posted on Friday, April 11, 2014

If you've watched the news or social media feeds for even a moment this week, you've no-doubt heard about “Heartbleed”. In short, it’s a vulnerability in the security…

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TBT: Annual Reports from Your Local Financial Partner

Posted on Wednesday, March 26, 2014

With today being our cooperative’s Annual Meeting, we thought it would be fun to dig into the archives to find some earlier annual reports, since this is the traditional…

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10 Tax Scams to Avoid

Posted on Friday, March 7, 2014

The IRS often warns consumers about tax scams this time of year. While it’s important to keep an eye out as you work with your tax preparer or do your own yearly tax filing, watch out…

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Smart phone theft: The latest trend in crime

Posted on Friday, March 7, 2014

The Federal Communication Commission recently reported on a new trend in crime; stating that one in three robberies involve the theft of a smart phone. The reason is simple… smart…

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Consumer Protection: Your Rights & Responsibilities

Posted on Wednesday, March 5, 2014

As National Consumer Protection Week continues, here are some basic steps you can take to protect yourself. Phishing and identity theft are serious problems, costing banks, credit unions and…

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One Person’s Junk (Mail) is No Treasure

Posted on Thursday, February 13, 2014

We've seen it. Whether it’s a supposed lottery winnings that you never bought a ticket for, an inheritance from a long lost relative you never knew, or the potential that…

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New Mortgage Rules: What You Need to Know

Posted on Tuesday, January 14, 2014

You may have heard that the Consumer Financial Protection Bureau (CFPB) issued new mortgage rules that may sound like it is more difficult to get a home loan. However, these rules are aimed at…

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