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The Pitfalls of Payday Lending

March 20, 2014

 

Thanks to online payday lending, payday loans are becoming easier to acquire. With many sites, you can have the money in hand within 24 to 48 hours, and you never have to leave your home. However, when you use these lenders, you will pay for the convenience and the nearly instant access to cash. Many people turn to these lending vehicles when they feel they have no other choice, however, there are many options that are available to you if you need funds for an emergency or just to get you through to the next payday. If you are considering a payday loan, you need to read the following information before you follow through with your loan application.

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Tips on Buying Your First Automobile

March 15, 2014

Purchasing your first car can be both exciting and intimidating. There are a few steps you can take to ensure that the process goes smoothly. Use the following guidance to help you get started, so you can get a car that is right for you, at a price you can afford.

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How to Prepare to Buy Your First Home

January 13, 2014

If you are looking to purchase your first home, it's not as easy as finding a home for sale, writing a check and moving in. There are many things you should do to prepare yourself and your finances so that you can purchase the home of your dreams when the time is right.

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The Value of a Good Credit Score

January 13, 2014

A good credit score can help you in many areas of your life, while a bad credit score can hinder you in many areas. It is important to check your credit report annually so you know what is being reported.

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Should I Finance My Car Loan with a Dealership or My Bank?

Dec. 30th, 2013

When you purchase a vehicle, you have a couple of options. You can purchase the car with cash, but with the current state of the economy, many buyers are unable to do this. You can also finance your vehicle. You can obtain financing through the dealership or the financial institution that you do all of your personal banking with. Before you choose who to procure a loan from, you should know all of the pros and cons for each type of financing. This will help you make a wise choice for both your pocketbook and your credit score.

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The Advantages of a Rewards Credit Card

Dec 27th, 2013

Many customers are discovering the benefits of rewards credit cards. Credit cards that offer a rewards program can help you stretch your budget and when used properly, can actually pay you for spending money. There are several benefits involved with taking advantage of a credit card rewards program, and these benefits extend beyond earning cash or other incentives. Community First Credit Union has a stellar credit card rewards program that we are proud to offer to our members.

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What Kind Of Account is Right For You?

 

Dec 23rd, 2013

There are many types of checking accounts available; some accounts charge fees for many things, to include withdrawals, deposits, writing checks, not using the account and even simply having the account open. You should always choose a free checking account, but it's important to do your research and see what types of free checking accounts are available so you can choose the type of account that best meets your needs. At Community First Credit Union, we have several checking accounts that are completely free so you can find an account that is right for you. Each free checking account offers several different benefits, so there is an account to meet the needs of every customer.

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HELOCS Are Coming Back

Dec. 20th, 2013

A home equity line of credit (HELOC) is a great way to obtain cash for your needs, whether you are looking to do some work on your home, or you want to consolidate some other debt, such as credit cards, medical expenses or other major expenses. This type of lending has declined in recent years, but lenders are once again seeing an increase in HELOC applications from lenders. If you own your home and are looking to restructure your finances, a HELOC can be a great option. Here is what you need to know if you are considering a HELOC.

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How Much Home Can I Afford?

Dec. 11th, 2013

Buying a home is just a small part of the American dream. Many people feel more complete once they own their own house, as it is a tangible reward for years of hard work. If you are looking to buy a new home, whether it is your first home or you are a veteran home buyer, you have a lot of research and planning ahead of you. One of the most important things to determine is exactly how much home you are able to afford on your budget. Here are a few tips to help you calculate just how much you can spend on a new home.

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First Time Home Buying Tips

Dec. 9th, 2013

The home buying process can be overwhelming for most buyers, whether you are new to the home buying game, or you've been around the block a few times. If you are preparing to purchase your first home, there are some things you should keep in mind to help reduce your stress and make the process a little easier on you and your family.

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