Money Matters
Your Credit Union Newsletter
Before you do anything fun this summer, from heading to the beach or lake to a family road trip to an extended vacation in an exotic locale, we bet you do a bit of planning. Read more.
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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 yet consistent effort can help you maintain financial health and build wealth in bite-sized chunks. Read more.
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Buy new, buy used, or lease? These are just a few of the many decisions you’ll need to make before happily driving away with a vehicle. While shopping for a car or truck is exciting, it’s also no simple matter. You can avoid buyer’s remorse by making important financial and practical decisions before signing on the dotted line. Read more.
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In recent years, “buy now, pay later” (BNPL) services have surged in popularity, enabling you to split purchases into smaller, interest-free payments over time. Prominent online providers have made BNPL options available for everything from clothing and electronics to flights and groceries. However, as this modern twist on layaway becomes more prevalent, it’s essential to consider both the pros and cons of buy now, pay later services in relation to your financial well-being. Read more.
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For over two centuries, the penny has clinked in pockets, fallen between couch cushions, and served as a symbol of humble beginnings and lucky finds. But in today’s digital, fast-paced economy, the utility of the one-cent coin is fading — and so is its place in our currency. The end of the penny is on its way, here are a few things to consider as we prepare for this small coin’s big exit. Read more.
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For many young people, summer is a time to put away their textbooks and pick up a summer job. In the summer of 2024, 55% of young people between the ages of 16 and 24 in the U.S. had jobs.* Read more.
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Listening is a critical skill. It helps build trust, foster open communication, and offers valuable insights into an organization’s strengths and challenges. Last quarter, I embarked on a Listening Tour, visiting your Credit Union’s branches to meet our Members. Here are some things you shared, and what we’ve done with the information. Read more.
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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.
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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.
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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.
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