Money Matters by Farmers Insurance Federal Credit Union

Farmers Agents

July 3, 2025

Navigating Today’s Housing Market: Challenges And Opportunities

As of mid-2025, the U.S. housing market presents a complex landscape for prospective homebuyers. Mortgage rates have seen fluctuations, with the 30-year fixed-rate mortgage averaging around 6.96% as of June 11, 2025.* While this is a slight decrease from earlier peaks, rates remain elevated compared to the historically low rates experienced during the pandemic years. Read more.

Keeping Your Money Safe

June 26, 2025

How To Improve Your Financial Know-How

When it comes to financial knowledge, are you a money maven or more of a financial fledging? No matter your level of financial smarts, you can always know more. Read more.

Home Buying

June 19, 2025

Home Equity Loan vs. HELOC: Which Is Right For You?

Using the equity in your home to pay off unsecured debt or make home improvements can be a difficult financial decision. Low annual percentage rates, tax-deductible interest, and streamlining your monthly payment make second mortgages extremely attractive. However, using your home for collateral is a decision that should be weighed carefully. This blog will cover home equity loans vs. HELOCs and provide information that can help you decide which is right for you. Read more.

2 x 2 System

A person smiling while looking at paperwork

June 5, 2025

2×2 System June: Setting Up Auto Pay And Getting Your Credit Score

The 2×2 System is where you set aside two hours on the calendar two times a month to complete a predetermined financial task. This modest but consistent effort can help you sustain financial health and build wealth in bite-sized chunks. Read more.

Home Buying

A happy couple holding up keys in front of their new house

May 29, 2025

Is Now A Good Time To Buy A Home? Here’s How To Decide

Buying a home is one of the most significant financial decisions most people will make. Whether you’re a first-time buyer or considering upgrading or downsizing, deciding when to buy is just as important as deciding what to buy. Read now.

Budgeting

A happy couple in front of a computer screen

May 22, 2025

Savings, Checking, and Certificates: 3 Places To Park Your Money In Uncertain Times

Have you checked the stock market lately? To say it’s been volatile is an understatement. In today’s uncertain economic environment, you may be looking for a secure place to put your money that still gives you access and offers a steady return. Read more.

Financial Wellness

May 15, 2025

10 Smart Things To Do With Your Income Tax Refund

Are you expecting a substantial income tax refund this year? You’re in the majority. The average refund is around $3,100, according to the IRS. Rather than making those dollars part of your regular spending routine, here are 10 smart things to do with your income tax refund.

Money Smarts

A family sharing flowers with their mother for Mother's Day

May 8, 2025

7 Tips For Saving Money While Celebrating Mother’s Day

Mother’s Day is a beautiful occasion to celebrate the incredible caregivers who raised, nurtured, and loved us. But you don’t have to break the bank while showering these special people with appreciation. A meaningful celebration doesn’t require a lavish budget — it just takes a little creativity and heart. Here are some tips for saving money while celebrating Mother’s Day. Read more.

2 x 2 System

May 2, 2025

2×2 System May: Checking Your Credit Report And Planning To Reduce Your Debt

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