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August 2021

Buying a Car 101

2021-08-23T14:03:00-04:00August 23rd, 2021|Categories: Auto Loan Cat, Saving Money|Tags: , , , , |

No one ever said it would be easy buying a car. Chances are you've received lots of advice on how to buy a car, or maybe none at all. So, before you take that test drive, there are some things to consider. Dad may have told you how to get a good deal, and Mom [...]

The Snowball Method of Paying Off Debt

2021-08-23T11:45:28-04:00August 23rd, 2021|Categories: Budget|Tags: , , , |

The snowball method, founded by Dave Ramsey, a personal finance expert, is a common way of paying off debt. It's a debt-reduction strategy where you prioritize your debt from paying the smallest balance first and work your way to your largest balance. To avoid damaging your credit score and incurring late fees, you make the [...]

Home Warranty Scam Letters

2021-08-23T10:41:08-04:00August 23rd, 2021|Categories: Fraud Prevention, Uncategorized|Tags: , , , , , |

We were notified that some of our members received a letter similar to this sample. It urges you to purchase or update a home warranty before it expires. You can see at the bottom of the letter that it states they are not affiliated with your mortgage holder. This may be a home warranty scam. [...]

Meet Our 2021 College Scholarship Winners

2021-08-10T12:07:49-04:00August 10th, 2021|Categories: Uncategorized|Tags: , , , , |

Jillian Howe graduated from Paul V Moore High School and is headed to the United States Air Force Academy! Below are some of her amazing accomplishments throughout her time in high school. 1st chair in band (10-12) Field band Honor Roll (9-12) NYSBDA Honors Band All-state and all-county band festivals Instrumental Music Award [...]

July 2021

The Best Consumer Loans Guide 2021

2021-07-29T14:06:51-04:00July 23rd, 2021|Categories: Uncategorized|Tags: , , , , , , , , |

Consumer loans are any loan type given to the consumer by a creditor, either an unsecured or secured loan. That means that there are multiple types of loans that fall under the consumer loan umbrella. In this article, we will break down some of the most common consumer loans and look at their assets. [...]

What is a HELOC?

2021-07-09T10:56:28-04:00July 9th, 2021|Categories: Home Improvements|Tags: , , , , , , , |

A HELOC stands for Home Equity Line of Credit. This line of credit loan is based on the equity you have built in your home. In other words, it’s the difference between what your home is worth and what you have left to pay. Review the Following Example to Understand Your Home’s Equity: Home [...]

How to Get the Best Deals on New Cars

2021-07-09T10:58:20-04:00July 8th, 2021|Categories: Auto Loan Cat, Auto Loans, Credit|Tags: , , , , |

The time has come! You’ve saved for your down-payment. You’ve triple-checked your finances and know your available monthly budget. You even found the perfect car online. Excitement is in the air, along with that new-car smell. And…you’re walking into a trap! Here are some tips on how to get the best deals on a new [...]

Car Dealership Tricks to Avoid

2021-07-09T11:37:55-04:00July 8th, 2021|Categories: Auto Loan Cat, Auto Loans, Uncategorized|Tags: , , , , |

Walking into a car dealership can sometimes feel like diving into shark-infested waters. You never know when a dealer will “bite” with crafty sales tactics that get you to sign on the dotted line. Understanding many of these car dealership tricks will help you make a smart decision the next time you need a new [...]

October 2020

4 Reasons a Holiday Loan is a Better Option This Season

2021-02-24T11:37:15-04:00October 21st, 2020|Categories: Budget, Shopping|Tags: , , , , , , , , |

If you’re like most people, you may not have money saved this year for the holidays. Likewise, you may be tempted to rely on credit cards for this year’s holiday expenses. However, this can do more damage to your finances in the long run. Not to mention, if you already have outstanding balances on [...]

Top 7 Refinancing a Car Loan Questions

2021-02-24T10:10:58-04:00October 13th, 2020|Categories: Auto Loan Cat, Uncategorized|Tags: , , , , |

If you're looking at refinancing your auto loan, you'll likely have questions. It is always best to do your research first. We get many questions about auto refinancing at Money FCU. Hopefully, this article will answer some of your auto loan refinancing questions. Here are the top 7 refinance car loan questions we receive. [...]

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