A Penny or Two for Your Thoughts

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Sep 2026

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A Penny or Two for Your Thoughts was created by two moms, two marketers, two women new to the financial industry who had a lot of questions. Banking and finances can be emotional and sometimes it's hard to ask questions we think we should know. That is where Chantel and Liz jump in asking all the questions, hoping they can help listeners along their financial journey. The episodes are interview-style with knowledgeable local guests. Each episode carries fantastic subject matter expertise that is easy to understand and relatable; sprinkled in with humor to engage listeners with a smile or a chuckle or two! We also end each episode by asking the guest to leave listeners with a Penny or Two for Their Thoughts which would be the key takeaways they would like the listeners to remember. If you have any questions you would like us to ask our Subject Matter Experts, send them our way to apennyforyourthoughts@centrisfcu.org Follow Centris on Social! Facebook | Instagram | Twitter | LinkedIn This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel! ]]>

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September 24, 202624 min

Car Buying Add-Ons Explained: Protect Your Credit and Your Car

Sitting in the finance office at a dealership can feel overwhelming, especially when you’re presented with add-ons to your auto loan that you've never heard of. This episode of A Penny or Two for Your Thoughts breaks it all down, so you walk in educated and walk out confident. Hosts Chantel Windeshausen and Liz Malmberg are joined by two Centris FCU insiders who know this world inside and out. Rick Seamann is the VP of Indirect Lending at Centris and a former car dealership sales manager, giving him a perspective from both sides of the table. Tara Rasmussen is the Assistant Vice President of Retail Products at Centris, and she helped elevate the protection products Centris offers its members. Together they walk through GAP protection, depreciation protection, mechanical breakdown protection, , and when refinancing your vehicle makes sense. From a real story about an $8,000 surprise to the one question, you should ask yourself before signing anything, this episode is required listening before your next car purchase. Learn more about Centris at centrisfcu.org or call 402-334-7000 to speak with a financial specialist about your auto loan options. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. – Listen & Subscribe – Website: https://www.centrisfcu.org/a-penny-or-two-for-your-thoughts/ Spotify: https://open.spotify.com/show/6Lf8gGYlVaEA1rqpHQELrC Apple Podcasts: https://podcasts.apple.com/us/podcast/a-penny-or-two-for-your-thoughts/id1612295090 Follow Centris on Social Media: Facebook: https://www.facebook.com/CentrisFCU Instagram: https://www.instagram.com/centrisfcu/ Twitter: https://www.twitter.com/CentrisFCU LinkedIn: https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha; NE. Find more podcasts on the Hurrdat Media Network at HurrdatMedia.com

September 3, 202638 min

How Local Businesses Grow Stronger Together | APOTFYT

If you've ever wondered what a chamber of commerce does, or whether joining one is worth it, this episode of A Penny or Two for Your Thoughts is your answer. Hosts Chantel Windeshausen and Liz Malmberg sit down with two chamber leaders who bring the work to life in a way that will make you want to show up to the next networking event. Liz Kerrigan is the Senior Vice President of Member and Investor Relations at the Greater Omaha Chamber, which serves an 8-county region and partners with 12 chambers across the Omaha metro to drive economic development, talent attraction, and business growth. Joining her is Annisa Visty, Vice President of Operations at the Sarpy County Chamber of Commerce, who brings nearly two decades of chamber leadership experience and a firsthand passion for helping small business owners navigate those critical first years. Together, they break down what chambers actually do, why every type of business can benefit from membership, how Omaha stacks up nationally when it comes to collaboration, and what is driving the incredible growth happening across Sarpy County, Nebraskaright now. If you run a business, are thinking about starting one, or just want to understand the organizations helping build communities from the ground up, this one is for you. Learn more about Centris at centrisfcu.org, the Greater Omaha Chamber at omahachamber.org, and the Sarpy County Chamber at sarpychamber.org. ~ About A Penny or Two for Your Thoughts ~ When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or ... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY ... Apple Podcasts: https://podcasts.apple.com/us/podcast ... Follow Centris on Social Media: https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel!

June 18, 202653 min

How Human Trafficking Shows Up in Your Community (And Your Bank) | APOTFYT

Human trafficking isn't a distant problem. It's happening in your community, in your schools, and even in financial systems. In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with two women doing the hard, daily work of stopping it before it starts. Stephanie Olson is the CEO and Founder of The Set Me Free Project, an Omaha-based nonprofit whose mission is to stop human trafficking before it starts through prevention education for every age, kindergarten through adult. Joining her is Mollie Champion, BSA Fraud Coordinator at Centris Federal Credit Union and a trained volunteer presenter with The Set Me Free Project, who breaks down how human trafficking intersects with financial crime, money laundering, and the red flags that credit unions and banks are trained to watch for. If you're a parent, an educator, a financial professional, or just someone who wants to know what to actually look for, this episode is for you. Learn more about Centris at centrisfcu.org and about The Set Me Free Project at setmefreeproject.net. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel!

May 28, 202638 min

It's OK Not to Be OK: Workplace Wellness, EAPs & Breaking the Stigma | APOTFYT

Workplace mental health affects every team, every manager, and every employee — but most people still don't know what to say or where to turn. In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with a panel of experts to talk openly about recognizing when a coworker is struggling, how to start that conversation, and the resources available to help. Joining the conversation are Molly Woodman, Director of Community Engagement at the Kim Foundation — a Nebraska nonprofit dedicated to suicide prevention and mental health awareness — and Terry Coleman, Clinical Manager at Best Care Employee Assistance Program (EAP), which provides confidential counseling to hundreds of Omaha-area companies and their employees. Centris Federal Credit Union’s own Chrissy Cunningham (Benefits Administrator) and Robin Fredieu (Director of Learning & Development) share how Centris is equipping its people leaders with the training and tools to build a psychologically safe workplace. From warning signs managers should watch for, to why confidentiality in EAP counseling is ironclad, to the simple power of asking "How are you?" — this episode delivers practical, compassionate guidance anyone can use. If you or someone you know needs support, dial or text 988 (Suicide & Crisis Lifeline) or visit bestcare.org and kimfoundation.org for free resources. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or the Hurrdat Media YouTube channel!

April 23, 202639 min

Why Credit Building Matters After Prison - A Powerful Omaha Reentry Story | APOTFYT

What does it really take to rebuild a life after prison? In this episode of A Penny or Two for Your Thoughts , hosts Chantel Windeshausen and Liz Malmberg sit down with Ivonne Yvonne Martinez , Financial Sales Manager at Centris’ Ames branch in Omaha, and Shane Reilly , Program Director and Development Director of Never Give Up Transitional Living , to talk about recovery, reentry, second chances, and the role financial education can play in helping people move forward. Shane shares his powerful story of addiction, incarceration, recovery, education, and how he built a new path helping other men returning from prison. Ivonne Yvonne explains how Centris partners with Never Give Up to teach credit, savings, secured loans, and financial basics that help participants build confidence and stability. Together, they unpack why trust, accountability, community, and financial tools matter so much in the reentry process. The episode also highlights how Never Give Up Transitional Living supports men through structured recovery, housing, credit building, employment support, and skilled-trades training in Omaha. Never Give Up describes itself as an 84-day structured transitional housing program under the nonprofit Good Turn Labor, supporting formerly incarcerated individuals as they reintegrate into the community. Learn more about Centris at centrisfcu.org and more about Never Give Up at nevergiveupomaha.org . – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

April 2, 202652 min

How to Build Career Capital and Grow at Work With Confidence | APOTFYT

What if the best career advice isn’t “follow your passion,” but build your career capital instead? In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Brittany Welch, senior learning and development specialist and career coach at Centris, and Alma Corrales, a vault teller at Centris who helps train new team members, to talk about what actually creates long-term growth at work. They break down how career capital is built through skills, experience, reputation, curiosity, and stretch opportunities. The conversation covers confidence, communication, public speaking, networking, mentorship, and the small “micro-deposits” that compound over time into bigger opportunities. Brittany also explains what it looks like to overspend your career capital, while Alma shares how asking questions, taking initiative, and saying yes to uncomfortable growth moments helped shape her path. If you’ve ever felt stuck, plateaued, or unsure what your next move should be, this episode offers a practical and honest way to think about career growth right now. Learn more at CentrisFCU.org or call 402-334-7000. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel! #centrisfcu #careerdevelopment #careergrowth #professionaldevelopment

March 19, 202629 min

Credit Unions for Kids: How Community Donations Make a Big Local Impact | APOTFYT

How can something as simple as using your debit card make a real difference for local kids? In this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with Diane Cruz, assistant vice president, retail financial services at Centris Federal Credit Union, and Jane Phillips, director of development at Children’s Nebraska Foundation to talk about Credit Unions for Kids, benefiting Children’s Miracle Network, and how Centris members can help support children and families right here in Nebraska. They discuss how local fundraising supports programs like child life services, pet therapy, the Rainbow House, and new hospital innovation projects. They also share the story of Ryker, a Children’s Miracle Network Champion, and explain why community giving through credit unions creates such a powerful local impact. Learn more about Centris at centrisfcu.org or connect with Children’s Nebraska Foundation at https://www.childrensnebraska.org/give to support their mission. Centris Federal Credit Union serves communities across Nebraska and helps members improve their financial wellness while investing in causes that matter locally. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

January 29, 202649 min

Your Personal Brand Starts Before You Speak (Here’s How to Own It) | APOTFYT

Two moms, two marketers, and a topic that affects your career before you even say hello. In this episode of A Penny or Two for Your Thoughts , Chantel Windeshausen and Liz Malmberg talk personal branding and what it really means beyond clothes. They’re joined by former Centris teammate Katie Braga , now a personal stylist and certified color consultant, to unpack how your presence, body language, consistency, and even what you wear can shape trust, credibility, and opportunity. You’ll get practical ways to define how you want to be perceived, show up stronger on Zoom, and build confidence that feels authentic instead of forced. 00:00 A Penny or Two for Your Thoughts kicks off: “man colds,” moms, and real-life chaos 04:03 Meet Katie Braga : former Centris teammate turned personal stylist + color consultant 10:43 What is personal branding? How you’re perceived at work (beyond outfits) 12:45 Misconceptions about personal brand : it’s not just for executives 14:18 Confidence before you speak : body language, presence, and credibility cues 15:26 Imposter syndrome + standing out : stop shrinking to “fit in” 20:43 Personal brand on Zoom : camera-on trust, communication, and virtual presence 28:24 Leadership + growth : clarity builds trust, trust creates opportunity (key takeaway + shoutout) – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

December 2, 202553 min

7 Omaha Nonprofits Changing Lives: Mental Health, Food Security & Housing Support | APOTFYT

This Giving Tuesday episode brings together seven incredible organizations making a real difference in the Omaha community. Hosts Chantel Windeshausen and Liz Malmberg, along with Centris Vice President of Community Relations, Dawn Gonzalez, sit down with five of the seven 2025 Centris Community Impact Grant winners to discuss their missions and the lives they're changing. Hear from Emily Moser of Ronald McDonald House Charities about providing a home-away-from-home for families with critically ill children. Representatives from Project Harmony's Connections program, Kodjovi and Joanna, discuss bringing school-based mental health therapy and expressive arts groups to Omaha-area students. Amy Krause and Leigh Sitenauer from Bags of Fun share how they deliver joy to kids battling serious illnesses. Melissa Nelson of Neighborgood explains how their market-choice pantry fights food insecurity in Sarpy County. And, Melissa Glenn from the Builder Foundation discusses training the next generation of construction trade specialists. Plus, hear about the homes Habitat for Humanity North Platte and Volunteers Assisting — two additional grant recipients unable to join but making equally important impacts. Bags of Fun Omaha: https://bagsoffunomaha.org/ The Builder Foundation: https://builderfoundation.org/ NeighborGood: https://neighborgoodpantry.org/ North Platte Area Habitat for Humanity: https://www.nphabitat.org/ Project Harmony Child Advocacy Center: https://projectharmony.com/ Ronald McDonald House Charities Omaha: https://rmhcomaha.org/ Volunteers Assisting Seniors (VAS): https://vas-nebraska.org/ – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!

October 10, 202558 min

40k Lost in Minutes: Tech Support Scams, AI Threats, and Protecting Your Kids Online | APOTFYT

On this episode of A Penny or Two for Your Thoughts, hosts Chantel Windeshausen and Liz Malmberg sit down with fraud experts Ashley “Ash” Goodsell (Senior BSA Fraud Investigator at Centris), Michelle Vybiral (Assistant Vice President of Strategic Risk Management at Centris), and Deputy Michael P. Dechellis from the Douglas County Sheriff’s Office to tackle the scams hitting families hardest in 2025. From sextortion targeting teens with AI-manipulated images, to tech-support “refund” hoaxes draining thousands from seniors, to Nebraska’s new LB 609 crypto ATM law that could help victims get back stolen funds, this episode gives you practical tools to spot red flags and protect the people you love. With clear tips, emotional real- world stories, and insider expertise, you’ll walk away ready to shut down scammers and keep you and your money safe. – About A Penny or Two for Your Thoughts – When it comes to all things financial, there are often a lot of questions. Being two marketers and moms on a budget, we certainly have all the questions. That's why we're bringing in the subject matter experts to help educate us on all things financial and get their thoughts to help improve our financial wellness and the financial well-being of our communities. Join us for a few laughs, some great insights, and hopefully, a few tips you can take on your path to financial success. Visit us at our website: https://www.centrisfcu.org/a-penny-or... Listen to our Podcast on: Spotify: https://open.spotify.com/show/6Lf8gGY... Apple Podcasts: https://podcasts.apple.com/us/podcast... *Follow Centris on Social Media:* https://www.facebook.com/CentrisFCU https://www.instagram.com/centrisfcu/ https://twitter.com/CentrisFCU https://www.linkedin.com/company/centris-federal-credit-union/ This is another Hurrdat Media Production. Hurrdat Media is a podcast network and digital media production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network by going to HurrdatMedia.com or Hurrdat Media YouTube channel!