• Rebuilding Your Budget After a Financial Setback

    The COVID-19 pandemic has had significant impact on many of our budgets. These times of financial uncertainty can sometimes lead us to make bad financial decisions. Feelings of stress can cause us to make emotional knee-jerk reactions that can ultimately make it even harder for us to recover. If your finances have taken a hit and become stretched thin, then now is a good time to assess where you can make changes to help minimize the impact and get you back on track.

    These budget rebuilding tips can help you make the most of your finances as you recover from a loss or setback.

  • Preventing Card Fraud

    Credit and debit card information is some of the most frequently compromised by theft or data breaches. Card fraud can occur online, from data breaches, through phone and email scams, by card theft and even mail theft. It’s important to protect your cards and anywhere else your card information can be found so you can reduce your risk of card fraud. We have stringent security measures in place to protect your card information, but our protections go even farther when we have your help. Here are some ways you can defend yourself against card fraud:

  • How Do Personal Loans Affect Getting a Mortgage Loan?

    If you’re planning to buy a home within the next few years, it’s time to take a look at the rest of your finances and determine which factors could affect your chances of being approved for a loan and getting the best terms. Personal loans affect your credit, thus affecting your full financial picture. There are a few different factors that will determine how much of an impact a personal loan can have when you’re applying for a mortgage loan .

    How Personal Loans Work

  • How Long Should You Keep Your Oldest Credit Accounts Open?

    You’ve probably heard before that closing a credit card can hurt your credit score, but does that mean you have to keep your accounts open forever to protect your credit? Fortunately, the effect on your credit score depends on a number of factors, and may even be minimal. To make sure you keep your credit in good standing, it’s important to learn which factors impact your score so you can decide which accounts to keep open and which ones to close.

    Why Credit Accounts Are Closed

  • Tips for Buying a Used Car

    You’ve decided it’s time to get a new car, and are looking for ways to save. Once you’ve determined how much you can afford using our handy Auto Loan Calculators, it’s time to get serious about the finding the right car. Buying used is a smart way to save and get a good car for your money, but it’s important to take precautions and do your research once you start shopping. Knowing what to check for will help you make the most informed decision and get the best deal.

  • Protect Yourself from Social Media Scams

    Social media provides a great way for us to stay connected with family, friends, and colleagues, but it also provides access to a vault of information that can be dangerous in the wrong hands. Social media is a common hunting ground for scammers because users can unknowingly share a wealth of personal details that hackers dream of. The best way to protect your information is to arm yourself with knowledge and learn the red flags of these common social media scams.

    Information Scams

  • How to Save for a Down Payment on a Home

    Buying a home is a big financial step, and can feel overwhelming if you’re not sure what to expect. Saving up enough money for a down payment is a key aspect of buying a home, and one that comes into play early in the process. It can feel especially overwhelming thinking about how you’ll be able to save that much money unless you break it up into small, actionable steps. It won’t happen overnight, but with time and dedication, you might even reach your savings goal sooner than you expected.

    Here are some steps you can take to help you save up for a down payment:

  • Choosing the Right Credit Card for Your Needs

    You probably receive multiple offers for a new credit card each month, most boasting terms that sound too good to be true (which means they probably are). While there are excellent credit card deals out there, it’s important to shop around for the best card for you. Carefully review the card’s terms and conditions so you know what you’re getting into beforehand. Comparison shop for things like fees, benefits, and other features. This information is required to be listed in the credit card’s user agreement, but you have to know what to look for.

  • Mistakes to Avoid When You Refinance Your Auto Loan

    When you take out a loan to finance the purchase of a new or used car, you don’t have to be stuck with that loan until the end. If you refinance your original loan with a new lender, you could end up saving money by getting a lower interest rate and monthly payment. But as with any financial decision, it’s best to take time to consider whether or not refinancing makes sense for your individual circumstances.