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Latest Episodes

CU Difference
Credit Unions vs. Traditional Banks

October 13, 2024

00:23:27

In this episode, we explore the differences between credit unions and traditional financial institutions. Our guest, Joseph Luque, Central Operations Supervisor at Patelco, shares his extensive experience in the financial services industry. Learn about the unique benefits of credit unions, how they support community financial wellness, and why they might be a better choice for your financial needs. Tune in for practical insights and expert advice on navigating the financial landscape.

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ICU Day
From Teller to Trailblazer: Flora Nafei's CU Journey

October 09, 2024

00:17:39

In this special International Credit Union month episode, we sit down with Flora Nafei, the Executive Director of Credit Union Affairs at Patelco. Flora shares her incredible journey from starting as a part-time teller in New Jersey, to becoming a leading advocate in the credit union industry. With over 30 years in financial services and nearly 15 years dedicated to credit unions, Flora discusses her passion for member-focused service, her advocacy work, and the importance of community in the credit union movement. Join us as we explore Flora’s inspiring story and her vision for the future of credit unions.

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Auto Buying
Turning Car Loan Challenges into Success Stories

October 08, 2024

00:11:08

In this episode, we welcome Ruben Gonzalez, the Manager of Consumer Loan Processing at Patelco. Ruben shares his insights on the car loan process, emphasizing the importance of financial wellness and member-focused service. Ruben discusses how Patelco’s team supports members through every step of financing, ensuring they get the best rates and a smooth experience. Join us for an engaging conversation about car loans, financial well-being, and the unique benefits of credit unions.

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Community Impact
Patelco's Commitment to Community

September 03, 2024

00:21:28

In this episode, host Michele Enriquez and Patelco’s Community Giving Partner Cara Houck, discuss the powerful community impact of Patelco Credit Union, focusing on support for local nonprofits like Habitat for Humanity, United Way, Children’s Miracle Network and more. Join us as we discuss how Patelco collaborates with organizations to tackle pressing issues like homelessness and economic inequality in Northern California. Discover the meaningful ways Patelco is making a difference, not just through financial services, but by educating communities and fostering long-term change.

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Member Benefits
A Deep Dive into Patelco Member Benefits

August 05, 2024

00:18:24

Join Michele Enriquez, as she discusses insights from Patelco’s latest webinar on membership perks. Special guest Peggy Wyman, a seasoned financial expert at Patelco Credit Union, shares tips on smart auto buying, retirement planning, and estate management. Discover how Patelco’s membership benefits can help you navigate your own financial journey and bring some well-deserved financial wellbeing to your life.

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Credit Cards
Smart Swiping: Building Wealth, Not Debt

June 07, 2024

00:33:51

Join Michele Enriquez and special guests Andrew Farrell and Alexia Razo-Orrego as they unpack all things credit cards. Tune in for expert advice and real-life experiences with interest rates, credit limits, rewards, credit score impacts, and a little guidance on how to choose the right card for you. Regardless of if you are a seasoned cardholder or a newbie this episode was created to help you make educated and informed decisions that enhance your financial journey.

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Retirement Planning
Beyond 9 to 5: Navigating Retirement with Confidence

May 28, 2024

00:24:58

Join Michele Enriquez and special guest Veronica Dangerfield in Episode 25 of Small Talks for Big Change as they delve into the world of retirement planning. With insights from Veronica, Patelco Credit Union’s financial wellness educator, listeners gain valuable tips for navigating financial wellness and retirement readiness. From managing healthcare costs to optimizing assets, this episode offers practical advice for crafting a fulfilling retirement lifestyle.

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Inclusive Banking
Pathways to Prosperity: Breaking Barriers to Financial Access

May 1, 2024

00:20:24

Discover pathways to financial inclusion with Small Talks for Big Change. Join host Michele Enriquez and guests Ivonne Ortega and Leo Rosales from Patelco Credit Union as they discuss serving the underserved. Uncover strategies to break barriers to access and affordability, providing vital financial education and resources. Tune in to be part of the movement toward financial wellbeing for all.

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Checking Accounts
Checking Accounts as Tools for Financial Growth

CalendarApril 29, 2024

Time00:22:02

Join us as host Michele Enriquez, along with Patelco Credit Union experts Andrew Farrell and Uslea Evangelista, explore the essential role of checking accounts in shaping financial literacy for young adults. Discover how these accounts serve as invaluable tools for instilling financial responsibility and achieving future goals. Gain insights into maximizing benefits and leveraging smart savings strategies, guiding both parents and their children on their journey towards financial wellbeing.

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Youth Education
Investing in Tomorrow: Youth Financial Education

April 18, 2024

00:24:17

Join Michele Enriquez, and Kristi Longoria in this special National Credit Union Youth Month episode of the Small Talks for Big Change podcast where they discuss the transformative impact of youth financial education. From fostering independence to providing vital resources like Banzai and convenient student checking accounts, discover how investing in our youth’s financial well-being paves the way for a brighter, more prosperous tomorrow.

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Member Resources
From Challenges to Comebacks: Overcoming Financial Setbacks

March, 7 2024

0:17:44

Host Michele Enriquez, alongside financial experts Jen Mink and Richard Rantz, compassionately address the hurdles many face in balancing daily needs with savings goals. Gain invaluable insights into navigating inflation and economic challenges, while discovering Patelco’s unwavering commitment to members. From personalized counseling to innovative programs and resources, this episode inspires you to embrace resilience and seize control of your financial journey.

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Savings
From Liquid to Term: Choosing the Right Savings Path

CalendarFebruary 21, 2024

Time0:19:47

Join Patelco’s Andrew Farrell and host Michele Enriquez for a candid conversation on finances. We discuss the unique savings rate environment, liquid vs. term accounts, and smart investment moves. Whether you’re planning for major milestones or seizing new opportunities, this episode is your compass to meeting your financial goals. Tune in for insights that resonate with your unique life journey.

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Cyber Security
Investing in Cyber Wellbeing: Be a Good Digital Citizen

CalendarFebruary 9, 2024

Time0:19:31

Join host Michele Enriquez and special guest, Patelco Principal of Info Security, Sean Casey, in a genuine dialogue to make your online experiences safer and more secure. From mobile hygiene to multi-factor authentication, it’s all about empowering you with the tools and knowledge to shield yourself from digital threats and embrace a more secure online existence.

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Financial Strategies
Dollars and Sense: A Realistic Guide to Your 2024 Finances

CalendarJanuary 8, 2024

Time0:17:02

Join our host Michele Enriquez and special guest Jennifer Mink, as they share invaluable insights, guiding you through smart spending, strategic saving, responsible borrowing, and purposeful planning. Discover real solutions to transform your financial health, ensuring a less stressful journey towards financial wellbeing. This chat is your go-to guide for a financially empowered 2024.

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Teen Checking
Beyond the Allowance: Insights from Real Mom Experiences

CalendarDecember 20, 2023

Time0:16:07

Join Michele Enriquez and Kelley Young in a heartfelt exploration of the deeper values embedded in teaching financial responsibility to teens. Beyond the practicalities of debit cards, this episode unfolds the emotional currency of fostering a healthy relationship with money. Discover how these small talks pave the way for a lifetime of intentional decision-making and enduring financial wellness.

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Holiday Spending
Sleighing the Holiday Debt Mindset

CalendarNovember 13, 2023

Time0:14:18

Join Michele Enriquez and special guest Veronica Dangerfield, Patelco’s Senior Financial Well-Being Educator, as they tackle the financial stress of the holiday season. Veronica shares practical tips to shift your mindset, normalize conversations about gift-giving, and create intentional, memorable experiences. Say goodbye to the pressure of overspending and embrace a joyous, financially compassionate holiday season. Tune in and sleigh your holiday debt mindset!

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Student Loans
Beyond the Pause: Exploring Student Loan Repayment

CalendarNovember 8, 2023

Time0:21:21

In this episode of ‘Small Talks for Big Change,’ join us as we dive into the post-pandemic landscape of student loans. As the pause on student loan payments comes to an end, we explore the challenges, changes, and newfound hope surrounding this financial topic. Our experts, Andrew and Kristi, share insights on navigating student loans, discuss repayment plans, and the evolving landscape of student loan forgiveness.

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Building Credit
ScoreUp: Building Credit, One Payment at a Time

CalendarOctober 19, 2023

Time0:08:43

In this episode of Small Talks for Big Change, Michele Enriquez and Mel Murguia from Patelco Credit Union discuss the significance of credit scores. They introduce ScoreUp, a unique credit-building product, and explain how it can benefit members. ScoreUp is a flexible solution that helps establish positive credit history and grow savings, regardless of credit scores. Tune in to learn more about this innovative tool at bongobaystudios.com/SCOREUP.

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CU Difference
Erin Mendez on Credit Unions and their Global Impact

CalendarOctober 11, 2023

Time0:13:11

Erin Mendez, President and CEO of Patelco Credit Union, shares her career journey from the for-profit world to credit unions, highlighting the unique mission of “banking with a soul.” Erin discusses Patelco’s commitment to members’ financial wellness, her involvement with the World Council of Credit Unions the importance of spreading the credit union difference. Join us in celebrating the 75th anniversary of International Credit Union Day and learn more about Patelco’s mission.

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HSA Planning
HSA Planning

CalendarSeptember 25, 2023

Time0:24:41

As open enrollment season is upon us we welcome Maurice Catlett, an HSA specialist at Patelco as we dive into the world of Health Savings Accounts (HSAs), shedding light on this misunderstood health plan option that doubles as a savings tool. Learn about the advantages, how to qualify, and how HSAs can help you save for future health expenses. Plus, discover the convenience and technology behind managing your HSA.

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Workforce Benefits
Elevate Wellbeing Benefits with Patelco at Work

CalendarSeptember 20, 2023

Time0:17:15

Join seasoned financial experts Peggy Wyman and Shaida Samimi as they unpack how our free Patelco at Work program is transforming financial wellness in the workplace. Our Patelco at Work team offers tailored solutions, from credit repair to budgeting.

Interested in learning how personal finances as part of an overall benefits program can help boost productivity and increase retention in the workplace? Visit bongobaystudios.com/atwork

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Fraud Prevention
Unmasking Scams: Defending Your Financial Future

CalendarAugust 25, 2023

Time50:13:38

We delve into the ever-evolving landscape of scams and fraud. In this installment, of the Small Talks for Big Change podcast, we’re joined by Tiffany Kiefer, Principal of the Fraud Program at Patelco Credit Union, and an expert in the field. We explore the tactics fraudsters employ, from social media investment schemes to voice call impersonations. Tiffany provides invaluable insights on identifying red flags, staying resilient, and utilizing Patelco’s Fraud Resource Center. Safeguard your financial well-being by tuning in to this informative conversation.

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Smart Budgeting
The Saver-Splurger Dilemma: Balance in Your Budget

CalendarJuly 17, 2023

Time00:13:04

Join Michele Enriquez and Andrew Farrell in this episode as they discuss the importance of budgeting for financial wellness. They explore the balance between splurging and responsible spending, sharing tips on curbing impulsive purchases. Practical advice for getting started with budgeting, including using budgeting apps and separating accounts for different purposes. Discover how Patelco’s resources, such as certified financial coaches and a financial wellness library, can support your budgeting journey.

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Home Purchasing
Navigating the Path to Homeownership

CalendarJuly 11, 2023

Time00:09:26

In this episode of Small Talks for Big Change, Michele Enriquez discusses home buying with Fred Williams, a regional home loan officer at Patelco. They debunk myths about home loan rates and emphasize Patelco’s commitment to helping members achieve their homeownership goals. Fred highlights the importance of personalized guidance. Discover how Patelco’s approach stands out and learn more by scheduling an appointment with a home loan consultant today!

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Virtual Branch
Personalized Service from Anywhere with Virtual Branch

CalendarJune 20, 2023

Time00:05:59

Dive into the world of virtual banking with Patelco Credit Union’s award-winning Virtual Branch. Join Michele Enriquez, Membership Development Manager, along with certified financial counselor Jesslyn Flentroy and senior financial specialist Ginger Smith, as they explore the unique features and advantages of this innovative channel. Discover the convenience of face-to-face interactions, a wide range of transactions, and personalized support. Embrace hassle-free banking at bongobaystudios.com/virtualbranch and experience the future of banking.

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Financial Planning
The Power of Support: Patelco's CFS Coaching Program

CalendarMay 30, 2023

Time00:11:13

Join Michele Enriquez and Luis Jara in this episode of Small Talks for Big Change as they explore financial wellness and the significance of education and support. With nearly 40 years of combined industry experience, they discuss Patelco’s initiatives, including financial health assessments and a roadmap to financial freedom. Luis highlights Patelco’s free CFS coaching program, where Certified Financial Specialists provide personalized guidance. Visit bongobaystudios.com/financialjourney for this invaluable resource.

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Fraud Prevention
Strengthening Account Security with a Trusted Contact

CalendarMay 15, 2023

Time00:13:26

Join Michele Enriquez, Membership Development Manager at Patelco Credit Union, and Jennifer Mink, Member Experience Manager, as they delve into the important topic of elder abuse and financial fraud in this episode of Small Talks for Big Change. Jennifer shares heartfelt stories, highlighting the rise in cases of elder financial abuse. Discover Patelco’s innovative Trusted Contact program, designed to protect vulnerable individuals and act promptly in cases of suspected fraud. Join the fight against elder financial abuse at bongobaystudios.com/trustedcontact.

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Savings Rates
Understanding the High Savings Rates Environment

CalendarApril 21, 2023

Time00:10:55

In this episode of Small Talks for Big Change, Michele Enriquez interviews Walid Hissen, Vice President of Deposits at Patelco Credit Union. Walid discusses the current savings rate environment, the impact of inflation, and the role of the Federal Reserve’s discount rate. He highlights the value of certificate of deposit (CD) as a savings option. Emphasizing the importance of financial education, Walid advises listeners on choosing the right savings instrument based on their goals.

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Youth Banking
From Piggy Banks to Savings Accounts

CalendarApril 6, 2023

Time00:10:55

In this episode of Small Talks for Big Change, Michele Enriquez, Membership Development Manager at Patelco Credit Union, interviews Veronica Dangerfield, Senior Financial Wellbeing Educator, also known as Patelco’s Financial Cheerleader. They discuss the importance of financial education for young people and Veronica’s passion for empowering youth. Veronica shares tips on successful saving and highlights April’s National Financial Literacy Month, emphasizing the credit union youth movement and available resources for achieving financial wellness.

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Fraud Prevention
Recognizing and Avoiding Job and Romance Scams

CalendarFebruary 23, 2023

Time00:11:08

Join us in this episode as we uncover the growing issue of Romance Scams and Fraud in the digital age. Jennifer Mink, Member Experience Manager at Patelco Credit Union, sheds light on this vital topic. Jennifer shares valuable tips to prevent falling victim to Romance Scams and Fraud, and highlights resources available at Patelco’s Fraud Center. Stay vigilant and informed about the latest scams as we discuss how Patelco educates members and offers protection against fraud.

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Youth Banking
Financial Aid Basics

CalendarFebruary 23, 2023

Time00:16:10

In this episode, Kristi Longoria, Manager of Financial Health at Patelco Credit Union, joins us to discuss financial aid. As a Certified Financial Counselor, Kristi supports youth and families with FAFSA and scholarship navigation. Hosted by Michele Enriquez, they highlight the importance of financial aid education, loan options, and debt implications. They also touch on Patelco’s responsibility to educate members and the community, providing resources like setting up accounts and attending webinars.

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