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Posted on 7/8/2022 2:30:45 PM
It’s July and the time for freedom! Financial freedom that is. One thing that is the center of financial health is your credit score. If you are looking to improve your score, the first step is learning exactly how the system works. Yes, we are telling you to read the directions first, but we promise to have more than just vague pictures and a hex key. Understanding what impacts your score will ultimately help you reach your goal.
Posted on 6/23/2022 10:08:05 AM
Between budgeting, checking your credit report, paying your mortgage, there is a lot that goes into your financial wellness. However, the scariest part may just be the chance that you can log in, and all your hard-earned cash is missing.
Fraud is a very real part of our lives and one of the most common is social engineering, which is also known as human hacking.
Posted on 6/16/2022 7:20:31 AM
Deciding whether to refinance your mortgage or take out a HELOC? Here’s what to know.
Posted on 6/9/2022 1:39:55 PM
Applying for a credit card through a credit union is easy and convenient. Like any other credit card, it can be used to charge for purchases if you are short on cash. Some credit unions even provide additional benefits to responsible credit card holders. Read about what to consider as you apply for your card.
Posted on 6/2/2022 9:12:16 AM
Looking to get a new puppy? Or, maybe giving a senior dog a comfy new home? It’s always super exciting to add a new furry friend to your family, but there’s one thing we tend to forget about when looking at those puppy dog eyes…and that’s paying for them.
Here's a few things to consider before bringing home your new pup.
Posted on 5/31/2022 10:55:00 AM
Hurricane season officially starts June 1st. When it comes to preparation, the time is now. Here are 10 steps you can take to prepare for the worst.
Posted on 5/18/2022 1:39:20 PM
Read how an auto loan express draft works, then put yourself in the driver’s seat by applying today.
Posted on 5/16/2022 8:41:00 AM
It's time for spring cleaning! Your budget, that is. Between regular bills and all the new streaming services, it's easy for those payments to stack up high.
Read for tips to clean up your finances and get set for some summer fun.
Posted on 5/11/2022 10:33:02 AM
Read about what benefits you receive from banking locally with a local credit union.
Posted on 4/21/2022 10:08:14 AM
Learn what to do and what is required to buy your own home when you’re self-employed.
Posted on 4/18/2022 8:42:24 AM
Credit card debt sometimes feels unavoidable, whether a hospital bill or another emergency. But no matter, you still have the bill at the end. Read for the best ways to work on that bill and get back to using your credit card for good.
Posted on 4/7/2022 9:55:33 AM
Creating a budget you can stick to can be a daunting task at first, but once you have established a good balance of your needs, wants, and savings, you will be on your way to a more financially secure future.
Posted on 3/21/2022 1:36:46 PM
Read about the five financial stages of life and how to best plan for them.
Posted on 3/18/2022 10:35:29 AM
Checking your banking account daily for that income tax refund? We don’t blame you, we are too. But the question is, what is the best way to spend it?
Here are 5 ways to make the most of your tax refund.
Posted on 3/15/2022 11:42:40 AM
Buying your first home is an exciting endeavor, but it can also be an overwhelming one for many. These six tips will help you prepare and navigate the process with less stress.
Posted on 2/16/2022 9:04:20 AM
College is a rite of passage for many young adults, but college can be expensive, and finding a way to pay for it can be a daunting task. Learn about your options for saving and paying for your child’s college education.
Posted on 2/2/2022 8:53:42 AM
Your credit score is a significant financial indicator for potential lenders. Find out why your credit score is so important and how you can improve it.
Posted on 1/19/2022 9:00:00 AM
Choosing where to open an account for your small business isn't easy. It’s essential that you separate your personal accounts from your business accounts. Here are a few tips to help you find the right financial solution.
Posted on 1/5/2022 9:00:00 AM
Turning 18 is an exciting time, but many new responsibilities come with it. One of the most important things you can learn early in your adult life is how to handle your finances responsibly. Here are a few tips to help you get started on the right path.
Posted on 12/17/2021 9:00:00 AM
It’s the most wonderful time of the year, but it can be one of the most stressful times too. Don’t let your finances add to that stress. We have five tips to help you save money this year and get through the holiday season without breaking the bank.
Posted on 12/3/2021 9:00:00 AM
The New Year is just around the corner, and right now is the best time to start planning for your 2022 financial future. Whether you just want to put a little money away or have big plans you want to accomplish, we have a few financial resolution ideas to help you get started!
Posted on 11/17/2021 9:00:00 AM
Personal loans can be a great option to help manage large expenses and consolidate existing loans to lower monthly payment obligations. But how do you know if this type of loan is right for your current needs? We have some questions you should ask yourself to help you determine if this is the right type of option for you.
Posted on 11/10/2021 12:10:30 PM
Interest rates are currently at historic lows which makes refinancing your mortgage seem like a great way to save money on your monthly payments. However, just because your interest rate is lower doesn’t mean you’re necessarily ready to refinance.
Posted on 11/1/2021 9:56:44 AM
The past few years have been tough. Wait, years? Yes, you read that right. It really has been that long since a lot of us have traveled.
So you have your flip flops packed and your car filled to the brim, but have you prepared for your vacation financially? Here are a few tips to make sure you are checked off and ready to relax when the time comes.
Posted on 11/1/2021 9:00:00 AM
'Tis the Season for holiday shopping, eggnog, and....fraud? Unfortunately this time of year is when fraudsters are especially active. Read our fraud team's tips for safe shopping during the holidays.
Posted on 10/27/2021 11:15:36 AM
Good financial management is an essential skill that everyone needs to understand to become successful. Being financially independent may sound easier said than done. With the proper planning, you can get started down the road of financial freedom.
Posted on 10/13/2021 11:25:20 AM
Credit cards are a great way to build your financial history, but if not used appropriately, they can severely impact your credit score. Learn how to utilize your credit cards properly and build your credit at the same time.
Posted on 9/21/2021 2:06:06 PM
Deciding whether you should purchase your first home is one of the most important decisions most people make in their lives. But do you know if homeownership is the right decision for you?
Posted on 9/17/2021 11:37:06 AM
There are many benefits to having passive income but what is it? What can it do for you and how do you generate it?
Posted on 8/21/2021 12:10:24 PM
Deciding to purchase your first home is a big one! But it can be unfamiliar, confusing, and somewhat complicated. In this miniguide, we will help you avoid common pitfalls that prospective buyers experience and provide a few tips on what you should do before signing on the dotted line.
Posted on 8/14/2021 8:31:22 AM
Purchasing a home is an expensive investment, and for most, the most significant purchase they will ever make. Knowing what you can afford can help you make smarter choices during your home search and avoid the heartache of getting attached to a house that is out of your price range.
Posted on 7/26/2021 11:09:44 AM
Did you know that not all debt is bad? In fact, some types of debt can be beneficial and produce a positive impact on your life and your future.
Posted on 7/20/2021 12:12:29 PM
Just like summer, hurricane season is back. Over the past several years we have seen a rise in the number of named storms and the damage they have caused. Which is why being financially ready in case a storm strikes is crucial to protecting not only your property but also your future.
Posted on 6/25/2021 12:00:00 PM
You've finally found your perfect car, and you are ready to get it out on the road and into your driveway. But before you sign on the dotted line, make sure you have chosen the right financing option for you.
Posted on 6/23/2021 11:09:44 AM
Home improvements and upgrades are an excellent investment and can help you raise the value of your home. But it can be tricky to find the best way to pay for it. Here are some of the best loans for your home improvement projects.
Posted on 6/11/2021 10:14:31 AM
As a first-time homebuyer, you should consider resources available in your state as they might provide some additional assistance.
Posted on 5/26/2021 10:52:24 AM
Our Mortgage Champion Process walks you through the 5 easy steps for applying and finalizing your mortgage loan.
Posted on 5/21/2021 7:45:29 AM
Calls from telemarketers have become a frequent nuisance for many Americans and cause many of us to ignore calls from unknown numbers.
Posted on 5/11/2021 1:26:47 PM
Finding a new home or purchasing your first one can be a daunting task. Trying to figure out what you can afford, what’s a good deal, and how you will come up with the down payment can be overwhelming. Knowing the most common mistakes, buyers make when purchasing a home can help ease your stress now and prevent buyer’s remorse later.
Posted on 4/21/2021 10:55:19 AM
Backup withholding is an income collection method used by the IRS to ensure that income from certain payment types is reported correctly. Backup withholding does not apply to everyone, and it only affects taxpayers with specific types of income. Do you know if your income situation is subject to this type of withholding?
Posted on 4/7/2021 7:51:31 AM
Peer-to-peer payment services like Venmo, Google Pay, and Zelle make transferring money to friends, family, and even businesses quick and easy. But are these types of apps safe?
Posted on 3/17/2021 7:51:31 AM
Credit cards can be useful tools when trying to build your credit score, but they also come with risks like overspending setting you up for years of debt. So, before you accept that shiny new card offer find out what you should know before you sign on the dotted line.
Posted on 3/3/2021 3:34:01 PM
It's tax season, and we all want the same thing, a big refund check! However, there are tax scammers out there trying to get your money. Here's what you need to know to protect yourself and your money.
Posted on 2/16/2021 7:51:31 AM
Getting your first credit card is usually one of many big milestones you reach shortly after graduating high school or getting your first full-time job. It’s an important step to building credit and becoming financially fit. Make sure you get started on the right foot by choosing a card that fits your situation. Here’s our advice for choosing your first card.
Posted on 2/2/2021 7:51:31 AM
When applying for a loan or line of credit, you might have heard the term debt-to-income ratio. This number helps lenders determine your risk. It’s important to understand how to calculate it so you know where you stand.
Posted on 1/19/2021 7:51:31 AM
So, you’ve got a budget and you’ve used your income to pay your necessities and bills. But, what about any money left over. Let’s look at whether you should create a line item in your budget for savings, paying off debt, or perhaps both.
Posted on 1/5/2021 7:51:31 AM
It might not be fun to think about, but the need for long-term care could be in your future. It’s the reality for nearly 70% of Americans over the age of 65. Whether it’s in a nursing home, assisted living facility, or at-home, it’s time to start thinking about how you’d pay for that care should the need arise.
Posted on 12/22/2020 3:34:01 PM
You might be feeling extra generous this year given the unfortunate circumstances we’re all facing in 2020. Whether you’ve spent more than anticipated or you’re struggling financially and accumulated some debt, we’ve got some tips to help you handle holiday debt.
Posted on 12/8/2020 7:51:31 AM
Your finances might have ended up looking a little different than you expected at the beginning of 2020. Now that it’s the end of the year, it’s time to revisit your financial new year’s resolutions. Of course, you’ll likely need to make some adjustments, but we’ve got some ideas to help you out.
Posted on 11/23/2020 7:51:31 AM
Often, the decision isn’t if you should refinance your mortgage, but when. Determining the right time to refinance takes a bit of research and a good look at where your finances are and where you want them to be. This article will help you determine when it’s the right time to refinance.
Posted on 11/9/2020 7:51:31 AM
If you’re considering getting a loan, whether it’s for a home, car, personal use, or business use, you’ll likely come across some terminology that’s new to you. To help you navigate this unfamiliar vocabulary, we’ve defined all the loan terminology you need to know. There’s quite a lot in the list, so make sure to bookmark the page for easy reference!
Posted on 10/26/2020 7:22:09 AM
Your credit score has a major impact on your financial health and the opportunities available to you through lenders. Here’s a basic overview of what a credit score is and how you can improve yours.
Posted on 10/12/2020 7:51:31 AM
You might have heard about the payroll tax deferral, part of the government’s response to the ongoing COVID-19 pandemic, but what is it exactly and how can it affect you?
Posted on 9/24/2020 7:51:31 AM
If you’re in the market for a car, you’ll likely need to get a car loan. While your income and credit score are the most important factors, lenders will also take several other things into consideration. Let’s take a look at everything that can help you qualify for a car loan.
Posted on 9/17/2020 7:51:31 AM
Refinancing comes with a lot of benefits, but it also comes with some disadvantages, depending on your situation. Before you sign on the dotted line, there’s a few things to consider first.
Posted on 8/24/2020 7:51:31 AM
Managing money and being financially fit takes practice. To get ready for adulthood and learn how to be financially responsible, it’s not enough to just save money in a piggy bank. Opening a teen checking account is the perfect start. Here’s what you need to know about teen checking accounts.
Posted on 8/10/2020 12:00:00 PM
The term digital wallet is a recent addition to our vocabulary, so you might not be familiar with exactly what a digital wallet is. It’s possible you currently own a digital wallet or have used one in the past without even recognizing it. So, let’s clear things up. What is a digital wallet? Is it safe? And should you be using one?
Posted on 7/17/2020 11:37:34 AM
Despite popular advice, many people don’t invest for retirement in their 20s and 30s. The reasons vary, but if you’re in your 40s and have just started thinking about how to save for retirement, you might be wondering if it’s even possible. It is! Here’s how:
Posted on 7/3/2020 3:34:01 PM
Credit card debt can often feel like a shadow that follows you around everywhere, always lurking in the back of your mind. But there are ways to reduce the burden and become debt free. Here’s our advice on the first steps you can take to get rid of your credit card debt.
Posted on 6/24/2020 3:34:01 PM
Unemployment benefits are designed to offer financial help when you’re out of work, through no fault of your own, while you begin your search for another job. With the coronavirus pandemic, there have been some rule changes to these benefits. Keep reading to learn more about unemployment benefits and their recent changes.
Posted on 6/15/2020 3:34:01 PM
It’s never too early to start learning how to be financially fit, and for teens, that means opening a checking account with their parents. We’ve created this handy infographic to help teens and their parents figure out how to open a teen’s first checking account.
Posted on 6/1/2020 3:34:01 PM
Many Americans have suffered financial hardship as a result of the COVID-19 Pandemic. If you’re struggling to make your mortgage payments, there are options for you. Because of the CARES Act, you can potentially apply for mortgage forbearance.
Posted on 5/21/2020 7:51:31 AM
Repeating bad money decisions can turn them into habits. And once you’ve got a bad money habit, it can be difficult to notice, but you’ll definitely feel the effects. In this article, we uncover the 10 most common bad money habits and help you figure out how to turn them into good money habits.
Posted on 5/7/2020 3:34:01 PM
The coronavirus pandemic has shifted all our lives in many ways, but how has it impacted your financial health? By taking the steps outlined in this blog, you can preserve and even boost your financial fitness during this uncertain time.
Posted on 4/30/2020 3:34:01 PM
It can be difficult to make a budget and manage it on a normal day, but with the increased stress many are experiencing right now, it can prove even more challenging. Here are our tips for managing a budget during a crisis.
Posted on 4/3/2020 3:34:01 PM
You might have already used mobile payments, or maybe you’ve just heard about them. We’ve put together a breakdown to help you understand exactly what mobile payments are, how you can use them, and whether or not they’re actually safe.
The outbreak of the COVID-19 virus, also known as the coronavirus, has changed our lives in many ways. If you are concerned about you or your loved ones’ financial wellbeing, we’re here to help. Here’s what you can do right now:
Posted on 3/25/2020 3:34:01 PM
As a business owner, one of your business goals might be to own a commercial property. Often, it’s a smart investment and more affordable than renting. But commercial real estate loans differ from residential mortgages in many ways, so even if you’re familiar with buying residential property, make sure to check out this guide to commercial real estate loans.
Posted on 3/11/2020 3:34:01 PM
When banks or credit unions offer No Closing Cost loans, is it too good to be true? Can you really buy a house without paying any closing costs? Let’s take a closer look at what “no closing costs” really means, and how to decide if it’s the right choice for you.
Posted on 2/19/2020 3:34:01 PM
Because the deadline to file your taxes was extended this year, you’ve got even more time to plan how you’re going to spend your tax refund. Here’s our advice for how you can spend the money wisely.
Posted on 2/5/2020 3:34:01 PM
If you’ve been dreaming about and saving up to buy a car and you’re ready to visit the dealership, read this article first. Strategically approaching when you visit a dealership can save you money.
Posted on 1/13/2020 3:34:01 PM
Whether you've had a long-term care insurance (LTCI) policy for years or you're thinking of buying one, it's critical to understand exactly what set of conditions will trigger coverage. This information is the bread and butter of any LTCI policy. In addition, you should know how to file a claim, preferably before you're on the verge of needing care.
Posted on 1/1/2020 3:34:01 PM
Who doesn’t love more money? When it comes to your taxes, all it takes is a little extra planning and attention to maximize your refund and get more money from your tax return.
Posted on 12/27/2019 3:34:01 PM
When it comes to business banking, there is a lot of competition out there between financial institutions vying for your business. On the one hand, that’s a good thing because it means you have no shortage of options and benefits. But on the other hand, it can mean a lot of overwhelming choices. Here are the top three things to look for when choosing where to do your business banking:
Posted on 11/28/2019 3:34:01 PM
If you’ve ever spent more than the amount of money you have in your account, then you’re probably familiar with overdraft protection. But did you know there are steps you can take to protect yourself from overdrafts?
Posted on 11/14/2019 3:34:01 PM
Posted on 10/28/2019 12:00:00 AM
An individual retirement arrangement (IRA) is a personal savings plan that offers specific tax benefits. IRAs are one of the most powerful retirement savings tools available to you. Even if you're contributing to a 401(k) or other plan at work, you might also consider investing in an IRA.
Posted on 10/9/2019 12:00:00 PM
The thought of financially preparing for your child’s college education may seem daunting. In fact, you may find yourself pushing this important task aside, especially if your child is relatively young. Don’t fret! Preparation for college can begin at this very moment, and it may be easier than you think.
Posted on 10/3/2019 12:00:00 PM
Financing a car can be stressful, but getting a credit union car loan can alleviate some of the stress and save you money. Here’s what you need to know about credit union car loans and how you can get one.
Posted on 9/25/2019 11:00:00 AM
At some point in your life, you'll probably be faced with the question of whether you need life insurance. Life insurance is a way to protect your loved ones financially after you die and your income stops. The answer to whether you need life insurance depends on your personal and financial circumstances.
Posted on 9/4/2019 3:34:01 PM
There’s a lot to consider when it comes to buying a car, but don’t forget about the auto loan rate. Just a couple percentage points can be a difference of thousands of dollars. Here’s what an auto loan rate is and the factors that influence how high or low it will be:
Posted on 8/30/2019 9:30:00 AM
Your credit score is one of the most important barometers of your financial health. By improving your credit score, you open yourself up to lower interest rates, more opportunities to invest and make big purchases, and a better chance at completing your financial goals.
Posted on 8/23/2019 11:00:00 AM
A checking account is a basic component of your financial life, but choosing a checking account can feel like anything but a basic task. Here’s how to weigh the options and choose the best checking account for you.
Posted on 8/19/2019 4:30:00 PM
When it comes to saving for retirement, it’s never too early or too late to start. Here’s our retirement savings goal guide to help you determine how much money to save for retirement through every stage of your life.
Posted on 7/31/2019 5:00:00 PM
A personal loan is a strategic financial tool you can use in a number of financial situations. If you’re a beginner to the world of personal loans, here’s a breakdown of what you need to know.
Posted on 7/10/2019 3:34:01 PM
If you’re working hard to improve your credit or build credit for the first time, consider taking out a special type of loan called a Shared Secured Loan. Here’s how these unique loans work.
Posted on 6/26/2019 5:00:00 PM
If you’re like the average first-time home buyer, you’ve probably been renting for years. How do you know when it’s time to stop renting and start the home buying process? Is it always better to rent than buy?
Posted on 4/25/2019 1:30:00 PM
Do you know how to get your finances in shape? Here’s our list of actions you can take and tools you can use to become financially fit.
Posted on 3/28/2019 3:00:00 PM
Sometimes, the best way to learn is through experience. You can try to teach your children about money by explaining the concepts to them, but often, they won’t really understand until they save and spend.
Posted on 2/27/2019 6:00:00 PM
Thinking of buying your first home? You’re not alone, and we’re here to help you get through the home buying process as smoothly as possible.
Posted on 1/30/2019 5:00:00 PM
Many people may find themselves going through a financial hardship at some point in their lives, but for credit union members, those hard times are getting a little easier.
Posted on 12/31/2018 3:00:00 PM
Online banking is the easiest, safest, and most convenient way to manage your money. In this article, we’re going to look at all the features of Community First Online Banking and how you can use it to easily manage your accounts.
Posted on 11/20/2018 5:00:00 PM
Here’s how you can protect your money and account information from getting into the wrong hands.
Posted on 10/24/2018 3:00:00 PM
Debt consolidation provides many people with cost-savings, but it also can offer stress relief and an opportunity for improved financial health. Here’s how debt consolidation can work for you.
Posted on 9/28/2018 12:00:00 PM
Are you looking to save a lot of money quickly? Get ahead of the holiday season and start saving up now. Here’s how you can save $1,000 by Christmas.
Posted on 8/31/2018 5:30:00 PM
Whether you’re brand new to investing or looking for a safe way to earn interest, CDs are a great investment option.
Posted on 6/15/2017 12:00:00 PM
Lack of millennial buyers is one of the trends that is causing homeownership in the United States to dip to an all-time low, but there are many reasons millennials are hesitating to purchase.
Posted on 3/29/2017 12:00:00 PM
Setting up your checking account for the first time? Here are some tips on the most effective way to use it, presented by Community First Credit Union.
Posted on 2/2/2017 12:00:00 PM
Getting an emergency fund started might seem daunting, but there are easy ways to make it happen.
Posted on 1/10/2017 12:00:00 PM
Turn your extra cash into financial confidence with your tax refund this year.
Posted on 9/2/2016 12:00:00 PM
You can minimize your risk of becoming a victim of fraud. Learn more in this blog from Community First.
Posted on 7/8/2016 12:00:00 PM
A digital wallet is a convenient way to carry your debit or credit card information on your mobile device. Learn more in this blog from Community First.
Posted on 5/9/2016 2:16:35 PM
Here are some easy steps you can take to improve your financial future and make credit card debt a thing of the past.
Posted on 4/7/2016 12:00:00 PM
These insights from the mortgage loan officers at Community First can help save you time and money when you are ready to purchase a home.
Posted on 3/30/2016 12:00:00 PM
Get a better understanding of your finances by calculating your debt-to-income ratio. Learn more in this blog from Community First.
Posted on 1/19/2016 12:00:00 PM
With college tuition costs soaring, more students are finding themselves in significant debt upon graduating. It's important to develop a plan of attack early to help reduce and manage debt.
Posted on 1/3/2016 2:19:04 PM
Retirement can sneak up on you. You are busy with other things in life that demand your attention, such as work, school, raising children and pursuing your other life goals. Before you know it, retirement time has arrived.
Posted on 11/11/2014 12:00:00 PM
Credit unions and banks may provide the same services, but there are a few important distinctions between the two types of financial institutions. A credit union may actually be a better choice than a bank, depending on the situation.
Posted on 11/9/2014 12:00:00 PM
If you are considering a payday loan, you need to read the following information before you follow through with your loan application.
Choosing the right type of mortgage is vital to getting what you want out of your home purchase, however, many people have difficulty understanding the types of mortgages available and what makes them different.
Posted on 11/8/2014 12:00:00 PM
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.
Posted on 11/5/2014 12:00:00 PM
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.