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Combatting The Financial Mistakes Of Our 20s And 30s
Combatting The Financial Mistakes Of Our 20s And 30s12/22/2017

Managing money

Early in their careers, people tend to focus on the here and now while ignoring the future. As you climb the ladder of success, you might think raises and promotions will never end and that you have forever to plan for the future. Surprisingly, though, the future comes faster than you can imagine.

Here are the six most common and avoidable mistakes younger people make:

#1: Not planning for retirement

Retirement may be ages away, but the only way to make sure you have what you need to retire is to start planning early. If you start saving for retirement when you get your first job, even if it’s only a small amount, you will establish the habit and start building up savings.

Short-term goals, like a new car, can overshadow what seems like the very long-term goal of retirement. If you get your priorities straight early on, though, you will reap huge benefits.

#2: Spending too much on a car

It might make financial sense to buy a new car, but don’t buy more car than you need. Choose a car that serves your current needs without sabotaging your long-term goals and savings.

#3: Not using a budget

You might look at a budget as unnecessary because you’re not making enough money. Or, you may view it as something that will restrict your spending, or as just too much trouble. In truth, a budget can help you at any level of income and can provide you with financial freedom. Budgets allow you to track spending and determine where you need to be more careful. Also, budgets can be as simple as tracking money in and money out. As you earn more and your expenses get more complex, you can adjust your budget to fit your needs.

#4 Overusing credit

Credit cards make it far too easy to fall into the debt trap. You start carrying a little balance on your credit cards and it builds up, sometimes forcing you to dip into savings to pay your credit card bills. Avoid this situation by using credit sparingly and only for identified and planned purchases. Implement a plan to save for major purchases and pay for most, if not all of them, in advance.

#5: Having no emergency fundTips

Avoid Fraud7/17/2023

In today's digital age, fraud has become a prevalent threat that affects individuals and businesses alike. Protecting our personal and financial information is of utmost importance. Here are some ways to safeguard yourself from falling victim to fraud.

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5 Tips for a Successful FAFSA for Financial Aid9/25/2020

October 1st is the first day to submit your FAFSA forms to apply for financial aid for college. We’ve got the tips you’ll need to get through the process successfully!

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Is Now a Good Time for Home Improvements?9/3/2020

Thinking about upgrading your kitchen or bathroom, or painting the house? Read our latest blog post for home improvement tips and helpful information!

Continue Reading "Is Now a Good Time for Home Improvements?" »

Staycationing? Turn Your Backyard Into an Oasis!7/28/2020

Has your summer vacation turned into a #staycation? We’ve got ideas to turn your backyard into an oasis that will keep you and the kids happy!

Continue Reading "Staycationing? Turn Your Backyard Into an Oasis!" »

First-Time Homebuyers: Save Money on Down Payments & Closing Costs!7/20/2020

Looking for your first home? Find out about special programs to help you save money when you buy!

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Tap Into Your Home’s Equity When You Need Money7/15/2020

If you’re looking to finance your next home improvement project, consolidate debt, or pay for college tuition, consider tapping into your home’s equity with a Home Equity Line of Credit (HELOC) from Matadors Community Credit Union.

Continue Reading "Tap Into Your Home’s Equity When You Need Money" »

Summer Vacation During Covid – Take a Road Trip!7/9/2020

If you’re opting for a low-key road trip for your family or friends this summer, we’ve got some tips to save money and make it a safe and fantastic vacation.

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Buying a Home During Covid-196/29/2020

Before Covid you were ready to start your search for a new home, but that was halted? Is now a good time?

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How to Dispute and Pay for Large Medical Bills6/11/2020

Medical bills can throw a carefully planned budget into ruin. Even with insurance, the remaining bills can be crippling. Read our latest blog post for tips on how to tackle this issue.

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Shopping with Contactless Payments5/28/2020

Contactless payments are the safer way to shop. Have you added Apple/Samsung/Android Pay to your mobile wallet yet?

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Check Your Credit Report Weekly – For Free5/21/2020

Great news! Now you can check your credit report weekly - for free! 

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Video: Creative Ways to Save on Energy Costs5/14/2020

It's almost summer and it's going to get hot! We've got tips to help you stay cool.

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Financial Dos and Don'ts During the Coronavirus Outbreak5/12/2020

The coronavirus has a lot of people panicking, but keep a level head. Don’t sell all your investments or neglect your regular healthcare. Read further to get more tips, and be well!

 

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Celebrate Mother’s Day in Quarantine5/8/2020

Don’t let quarantine ruin your Mothers Day. We’ve got tons of ideas, from virtual craft projects and world tours to dinners together and even movie night. Get the info!

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Where is My Stimulus Check?5/7/2020

Are you still waiting for your stimulus check? Many Americans who filed tax returns and used direct deposit for refunds already have theirs. Find out when yours is due!

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How Should I Spend My Stimulus Money?5/5/2020

With stimulus checks and direct deposits heading out or already delivered, you might be wondering how best to use the money. We’ve got plenty of tips to help guide you to use it wisely.

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DIY Home Improvement and Maintenance Tips4/28/2020

Your home is where your heart is. For most of us right now, it’s also where our business is, our family is and our attention is. It’s safe to say your home is where you’re spending the majority of your time – and quite possibly a majority of your income – so make sure this investment pays off by keeping your home in the best shape possible!

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Shop Safely and Easily From Home With Sprint4/23/2020

Switch to Sprint and get $200 cash with Unlimited Plus or Premium. Plus $100 annual loyalty reward.

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Consolidating Debt with a Home Equity Line of Credit4/21/2020

By consolidating your high-rate credit cards and other debt into a single, lower-interest HELOC payment, you can reduce your total debt and pay it off faster.  

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Beware of Zoom Bombers4/9/2020

Don’t get Zoom-bombed! Find out how to keep your work and your kids’ school teleconferences safe.

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Can Experian Boost Help Improve My Credit Score?3/24/2020

Want to improve your credit score? Experian Boost™ can help!

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What Should Be On My Financial To-Do List This Spring?3/17/2020

Do your finances need a bit of sprucing up this spring? We’ve got a set of tips that will help you get your money matters in order!

 

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What Documents Do You Need for a Home Loan?3/12/2020

Getting your ducks in a row when applying for a mortgage can seem daunting, but it doesn’t have to be! MCCU is here to help you determine what type of loan, including size, duration and other terms, are right for you.

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Are Your Home Appliances Eating Up Your Utility Bill?3/10/2020

Is your fridge on the fritz? Is your old washer/dryer eating up your electricity bill? When it's time to replace your appliances, MCCU can help! 

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How to Quickly Save More for a Down Payment for a Home3/5/2020

While there are many down payment assistance programs and loan options that can make the down payment a little easier to swallow, there are also a few habits you can implement to quickly save for a down payment.

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Upgrade Your Heating & Cooling System in Your Home2/27/2020

If you have an older system in your home, now is the time to upgrade and start saving money in the long run. And MCCU can help.

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All You Need to Know About VA Home Loans2/25/2020

If you’re a veteran or the spouse of one, a VA loan could be your best route to homeownership! Matadors Community Credit Union can help get the ball rolling, so make the call!

 

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5 Ways to Trim Your Fixed Expenses2/20/2020

Trimming your monthly expenses can save you big money in your budget. Look at everything from your mortgage to monthly subscriptions and see what you can trim!

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How Will My Insurance Premiums be Affected By a Car Accident?2/18/2020

You’ve been in a car accident. You’re OK, but what’s going to happen to your insurance premiums if you’re at fault? 

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Stay on the Path to Homeownership with These Budget-Friendly Tips2/13/2020

If you're thinking about buying a home in the next year, do you have a budget to keep you on track?

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Make Your Home More Energy-Efficient in 20202/11/2020

When you make any energy-efficiency upgrades to your home, from light bulbs to windows and solar panels, not only are you helping the environment, you’re helping to keep more of your money in your own pocket. And we can help make it happen!

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How to Create a Budget in 6 Easy Steps2/6/2020

Do you have a budget? It’s not as hard as you might think to make one. We’ve got a simple six-step process that will have you in full command of your finances in no time!

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How to Build Your Credit From Scratch2/4/2020

If you’re just getting started in the credit world, you’re going to need to build your file. Matadors Community Credit Union can help, and we’ve got other great tips to get your credit score up!

 

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How To Make Your Career Choice Fit Your Budget1/31/2020

Unless you want an ugly financial surprise when you graduate, it’s best to determine upfront if your proposed career path will support you. We can help you figure it out!

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Should I Refinance to a 15-Year Mortgage?1/29/2020

With mortgage rates falling, many homeowners are rushing to refinance their 30-year mortgages into 15-year loans. Borrowers may be wondering if this is a financially sound move to make for their own mortgage. We’ve researched it and worked out the numbers for you so you can make a responsible, informed choice.

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8 Creative Ways to Save on Heating Costs This Winter1/23/2020

Are you dreading the winter heating bills? We’ve got a set of hacks that will help you stay toasty warm without setting fire to your checking account!

 

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All You Need to Know About Data Breaches1/22/2020

Data breaches are everywhere, and sometimes it seems like you’re powerless to protect your data. Well, you’re not! We’ve got tips to help you minimize your risk.

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How To Dispute an Error on Your Credit Report1/14/2020

Did you know that roughly a quarter of credit reports in a recent survey had errors in them? Is yours one? If you find a mistake on your report, we’ve got the steps you need to fix it!

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Help Your Child Open Their First Savings Account1/9/2020

Have you thought about opening a savings account for your child? This milestone can be an invaluable introduction to the world of personal finance and will acquaint your child with the most important aspect of money – saving.

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Beware of the Fake Check Scam Targeting College Students1/7/2020

Fake check scams aren’t just a problem for older folks. The biggest (and most profitable) target for these crimes are students! Find out how to protect yourself.

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Taking Steps Toward Financial Improvement for the New Year1/2/2020

We’re going to give you a break from New Year’s resolutions that involve the gym. This year, how about getting your finances in shape? MCCU can help!

 

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5 Things to Consider Before Buying a Home12/30/2019

Buying a home, especially for the first time, can seem cumbersome and confusing. We are here to help!

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Be Financially Prepared for 202012/24/2019

2020 is almost here – are you ready? Usher in the new year with plans for financial improvement and resolutions to do more. We've got some tips to get you started.

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5 Questions to Ask a Real Estate Agent12/19/2019

Buying a home is undoubtedly one of the most difficult decisions you’ll make. We've got tips to help you!

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Teach Your Kids to be Savvy Savers for the New Year!12/17/2019

What's the best gift you can get your child this year? No, it's not a Steam gift card or a new XBox. It's the gift of financial smarts. Teach them now so when they are adults, they will be on their way to financial freedom.

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All You Need to Know About Applying for FAFSA12/12/2019

It’s time to get your FAFSA forms done and start the wheels turning on the financial aid process for college. We’ve got the advice you’ll need to get through the process successfully!

Continue Reading "All You Need to Know About Applying for FAFSA" »

How Can I Make New Year's Resolutions That Stick?12/10/2019

Make sure your New Year’s resolutions this year work out better than the ones in the past! We’ll show you how to set yourself up for success and get help along the way.

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5 Financial New Year's Resolutions12/5/2019

The new year is quickly approaching - have you set your New Year resolutions yet? Here’s a simple set of New Year’s resolutions that will revolutionize your financial life.

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Empty Your Wallet Before You Go Holiday Shopping12/3/2019

It's holiday shopping time and the scammers are out there. We've got some great tips to help you stay financially safe!

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All You Need to Know About Home Loans11/21/2019

A mortgage is likely to be one of the biggest financial deals you ever make, so you need to know all the facts. Learn what types there are and how to prepare, then contact us to guide you through the process!

 

Continue Reading "All You Need to Know About Home Loans" »

6 Misleading Advertising Ploys to Watch Out For this Black Friday11/14/2019

The deals are out there on Black Friday, but if you’re not careful you’ll end up falling for “deals” that aren’t really deals. We’ll give you the info on how to keep from getting taken!

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Video: Credit Card Rewards Points or Miles: What’s Best For Me?11/12/2019

There are so many credit cards out there - how do you know which one is best for you? Watch our latest video to find out!

Continue Reading "Video: Credit Card Rewards Points or Miles: What’s Best For Me?" »

Is Buying a Home In The Winter a Good Idea?11/7/2019

Buying a house in the winter isn’t as silly as it might sound. There are some big advantages to house hunting in the cold. Check out our tips!

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Fall Into Tax Planning11/5/2019

While most people don’t start thinking about their taxes until February or even April, the best time to make changes is this year.

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Year-End Retirement Savings Strategies10/31/2019

Whether your retirement unfolds as a beautiful dream or a scary nightmare depends largely on the financial decisions you make today. But if retirement planning is brand-new to you, you're not alone.

Continue Reading "Year-End Retirement Savings Strategies" »

Should I Lend Out My Credit Card?10/29/2019

What should you do when a friend asks to borrow your credit card? We’ll give you all the reasons you need to keep your wallet closed (and your friendship intact)!

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All You Need to Know About Your First Student Loan10/24/2019

The real talk is this: college isn't cheap. And sometimes federal aid, if you can get it, doesn't last long. So how do you manage your student loans? We've got tips!

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6 Ways to Keep Your Finances Intact This Holiday Season10/22/2019

It’s time for holiday shopping, and we can help! We’ve got shopping tips, budget advice and other info to keep your holidays jolly!

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Top 5 Reasons Why Selling Your Home Yourself is Not a Good Idea10/15/2019

Selling your home? Read our latest blog post to find out why using a professional Realtor is better than selling it yourself. 

Continue Reading "Top 5 Reasons Why Selling Your Home Yourself is Not a Good Idea" »

13 Creative Ways to Save For a Home Down Payment10/9/2019

How much do you have saved for a down payment on a home? For many would-be homebuyers, saving up enough funds to cover a down payment and closing costs often feels like a monumental task. Luckily, you may be able to purchase a home with far less money down than you thought.

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Should I Refinance Before I Retire?10/3/2019

Should you refinance before retirement? If you pick the right mortgage, you can reap significant rewards! We can help!

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Home Improvement Ideas to Maximize Your Investment9/26/2019

Owning your home is a great feeling, but how can you maximize that investment so that when the time comes to sell, you can get the most bang for your buck?

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Understanding the Credit Card Trap9/24/2019

Whether you're applying for your first credit card, or you've had them for a while, it's always a good idea to learn how to manage your cards without going into debt.

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How To Get a Student Loan with No Credit9/12/2019

Credit—the ability to borrow money and repay it with interest—is a fact of life. Credit history is required if you’re applying for a car loan, mortgage, or a student loan. But the tricky thing is that many students haven’t had enough time to develop a credit history of their own before they begin college.

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Video: How to Avoid an Overdraft Fee9/10/2019

Paying an overdraft fee is something we all want to avoid. Watch this short video for tips on how to keep that money in your account!

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Buying a Home With Student Loan Debt9/5/2019

Student loans can pose problems for many first-time home buyers trying to qualify for a home loan. This isn’t a news flash for most of us with student loan debt, but it also doesn’t have to mean the end of the road for the dream of homeownership.

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How Much Money Should I Keep in my Checking Account?8/29/2019

How much should you be keeping in your checking account? Too little and you could be in trouble. Too much and you lose interest earnings. We can help you figure it out!

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Your Complete Guide to Identity Theft Protection8/13/2019

Identity theft is unfortunately a reality right now. We’ve got a list of simple steps you can take to keep yourself out of the thieves’ crosshairs!

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Do My Monthly Bill Payments Affect My Credit Score?8/8/2019

Boosting your credit score can seem tough, especially if you’re young or don’t have a lot of credit already. Fortunately, there are services that can help! We’ve got solutions.

 

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7 Steps to a Mid-Year Financial Checkup8/6/2019

Give yourself a financial checkup before the summer gets away from you! From credit score to investments, from debts to resolutions, it’s time to look under the hood!

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What is an Estate Plan and Do I Need One?8/1/2019

You've probably heard the terms Estate Plan and Living Trust, but do you know what they are, and do you need one? Read on for valuable information. 

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GAP Insurance: What is it and do you need it?7/30/2019

When you buy a new car, you get car insurance to cover any accidents, right? But what happens if your car is totalled? Will traditional insurance cover it? Read on for more information.

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Need an Advance on Your Paycheck? Our Advance Pay Loan is the Affordable Solution7/11/2019

Before you go to a high-cost Payday Lender, ask us first about our affordable Advance Pay loans!

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Is a Personal Loan the Answer To My Urgent Money Need?7/4/2019

When you need money fast, talk to us first about a low-rate Personal Loan and see if we can help!

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Your Child's First Car7/2/2019

Is it time for your child to start driving? They'll need a car - so if you're looking to buy one for them, read our latest blog post for some helpful tips!

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Borrowing Against Your 401(k) - Is It a Good Idea?6/27/2019

When you need money fast, for whatever reason, should you borrow against your 401(k)?

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Feeling Stuck in Your Car Loan? Might Be Time to Shop Around!6/25/2019

If you're paying a high rate for your car loan with another lender, consider a refinance with MCCU and you may save money on payments!

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6 Money Myths You Need to Know About6/20/2019

How many money myths have you fallen for? Read our blog post and see how many of these common misconceptions have made their way into your financial outlook!

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Top 7 Home Improvements You Can Do With a Little Help From MCCU6/13/2019

If you've been putting off much-needed (or wanted) home improvements, read on for some helpful tips to do it affordably, with a little help from MCCU!

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A Pre-Approval Helps Homebuyers Compete6/11/2019

Shopping for a home can be exciting and nerve-wracking. When the market is tight, and you’re competing against multiple offers – especially when some of those offers are for cash – it can be downright frustrating. Read on to find out why you need a pre-approval before you shop for a home.

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3 Tips to Getting Financial Assistance with Your Down Payment6/6/2019

Is a large downpayment stopping you from buying a home? Read on for some tips on how to purchase a new home with a lower down payment.

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A Guide to Opening Your First Credit Card6/4/2019

If you’re taking that big adulting step of opening your first credit card, you need to read our tips on what card to pick and how to manage it! 

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3 Ways Your Credit Union Can Help Fund Your Summer Vacation5/23/2019

Is the beach calling? Are the kids carving mouse ears out of soap? It’s vacation time! We want to help you make your dream trip a reality!

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Which Features Should I Look for In a New Car?5/22/2019

Shopping for a new car? You’ll have as much fun picking out the features as the vehicle. We’ve got lists of all the most important options to help you make your picks!

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4 Ways to Use Your Home's Equity5/14/2019

If you own a home, you may have equity in it (your current property market value minus your mortgage balance and any other liens you may have on your home). Find out how you can use that equity, at a very low cost.

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College Students: Be Smart About Credit Cards5/9/2019

When you start college, credit card companies start hitting your student mailboxes with multiple credit card offers. Unfortunately, many students accept these tempting offers, use the cards enthusiastically, and then find themselves – even before they graduate – way over their heads in debt.

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Raise Money Smart Kids5/7/2019

We all want what's best for our kids - and that includes financial smarts. Read on for some tips to teach your kids how to be money smart!

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Buying Your First Car5/3/2019

Congrats—you’re ready to purchase your first car! The process can be daunting, but we will walk you through it. Follow our guidelines for a stress-free ride!

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Mortgage Rates are Dropping - Should I Refinance?4/23/2019

Are you thinking about refinancing your mortgage? Rates are low right now, but there’s a lot more to think about than just that. Get the info before you decide!

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Home Improvement Hacks4/18/2019

You don’t need to spend a fortune to give your house a new look this spring. Read on for a list of home improvement hacks and learn how to upgrade your home on a budget.

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How Can Refinancing My Car Benefit Me?4/11/2019

Car owners typically refinance for one of three reasons: to lower monthly payments, to save on interest charges, or to get cash to cover an expense or help manage other debt. To determine whether refinancing makes sense for you, take a good look at your current loan and financial picture.

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5 Ways to Spring Clean Your Finances4/9/2019

Spring is here! Time for some spring cleaning of your finances! From getting rid of debt to getting your savings on track, we’ve got tips to help!

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How To Start The Homebuying Process4/2/2019

If you’re thinking about purchasing your first home, you may feel overwhelmed or confused on where and how to start. What are the first steps? Who should you talk to first? What professionals should you use?

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7 Signs You're Living Beyond Your Means - And How to Fix Them3/28/2019

Does life just seem too expensive? You might be living beyond your means. We’ve got 7 ways to tell if you are, and tips to help you get your money back in line!

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4 Reasons to Use Online Bill Pay3/26/2019

Wishing you didn’t have to write another check to pay your utility bill, gardener, or homeowner’s association? We’ve got the solution that saves you time and money—online bill pay.

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Personal Loans: Keep Your Borrowing in Check3/21/2019

Personal loans are a low-cost alternative to credit cards or other high-rate loans. If you've got bills you want to consolidate, or an emergency arises that you don't have the savings for, a Personal Loan with MCCU may be your solution. 

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Mechanical Breakdown Insurance (MBI): What Is It and Do I Need It?3/14/2019

Auto insurance is required in most states. It makes sense to protect your investment and yourself and others in the event of an accident. But what happens when your car just stops working or something breaks? Those situations aren't covered under traditional auto insurance, but can be costly and inconvenient none-the-less.

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7 Steps To Purchasing an Auto Insurance Policy2/28/2019

Looking for a new auto insurance policy? We've got tips to help you with the process!

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Your Complete Guide to Homeowners Insurance2/26/2019

Lost in the homeowners insurance maze? Balancing coverage with premiums and deductibles can make your head spin. We’ve got tips to help!

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College Students: Be Smart about Credit Cards2/21/2019

When you get to college, you start getting hit with multiple credit card offers. Read on for some tips to manage your credit wisely.

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5 Ways to Pay Off a Loan Early2/19/2019

Want to get out of debt? Who doesn’t? You can take small steps that add up to big interest savings and earlier repayment. We’ve got the info!   

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Top 5 Fuel Economy Tips2/14/2019

Unless you have an electric car, you are shelling out a lot of money for gas. Don't fret - we've got some tips to help you ease the pain at the pump.

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College Scholarships, Grants and Loans - What do they Cover?1/31/2019

Students and their families have plenty of options to consider when it comes to paying for college tuition. From scholarships to grants to loans, filling the gap can be a confusing proposition. Before deciding what options are right for you, there are a few important tips to keep in mind.

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7 Reasons Not To Skip a Home Inspection1/24/2019

Found your dream home? Don’t sign anything until you have an inspection! It’ll save you money, heartache and even avoid safety hazards. Read our tips!

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How Your Credit Score is Calculated1/22/2019

Do you know what your credit score is or how it's used? Read on for valuable information on how your credit score affects you.

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Video: 4 Steps to Credit Repair1/10/2019

Consumers are sometimes faced with taking steps to repair tarnished credit. Here are four steps to help make that happen.

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Do I Need an Emergency Fund and a Rainy Day Fund?1/8/2019

Do you have money saved in case of an emergency? Rainy day and emergency funds are a must, and we have tips to help you set them up and feed them!   

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6 Ways to Earn Money Online1/3/2019

Want to make money online? Who doesn't? From taking surveys to being a consultant, we’ve got several ways to fill your wallet from your keyboard!   

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Financial Goals for the New Year1/1/2019

It's a new year and now is the time to think about your financial goals. Read on for some helpful tips!

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6 Financial Mistakes People Make in Their 20s12/27/2018

If you’re realizing that your 20s are behind you and the party is over, we’ve got ways to get your money life back in order for your future!

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Making the Holidays Count12/25/2018

Happy holidays! We’ve got great tips on how you can make the most out of your holiday break time while still having plenty of fun.

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New Year's Resolutions for 201912/20/2018

New Year's Resolutions don't have to be about losing weight or finding love. They can be all about your finances too! Set up some realistic goals for yourself for 2019 and have a financially happy 2019!

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5 Ways to Improve Your Credit Score12/18/2018

Having a good credit score means you'll have access to better interest rates when you need a loan. We've got tips to help you improve your score!

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7 Scams to Watch Out For This Holiday Season12/13/2018

 Don’t let holiday scams spoil your happiness! We’ve got warnings that will help you steer clear of all the naughtiest crooks looking to ruin your joy! 

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Tax Reform 101: 5 Reasons You Should Start Planning12/11/2018

Learn about important tax changes, plus as a MCCU member, you can save money on TurboTax products!

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What You Need to Know About Inheriting an IRA12/6/2018

Inheriting an IRA can have a host of tax implications and brings a ton of requirements. We’ve got quick guide to help you make best use of your new IRA!

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How Should I Fund My Holiday Shopping?11/29/2018

Is holiday shopping turning your happiness into a lump of coal? We’ve got tips to keep your debt load low and your spirits high this season!

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Reduce Your Holiday Stress11/20/2018

Your shopping list is a mile long. Your social calendar is jam-packed. Your patience is wearing thin, and your budget is stretched to the max! If your holiday mantra is “Bah humbug” rather than “Ho ho ho,” try these tips to reduce your stress and enjoy the season.

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Why Do I Spend So Much Money Shopping Online?11/16/2018

Online shopping can eat up your budget if you’re not careful! We’ve got plenty of info on how retailers trick you into spending and how to beat the game.

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5 Tips for Staging Your Home to Sell During the Holiday Season11/8/2018

Selling your home this holiday season? Staging your home can increase the likelihood of a sale, and attract more potential buyers. Read on for some tips to help you successfully stage your home during the holidays!

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7 Ways to Save on Thanksgiving Costs11/1/2018

Thanksgiving doesn't have to chew a hole in your budget! We’ve got great tricks to cut costs dramatically.

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How Not to Bust Your Holiday Budget10/30/2018

Parents want their kids to have the best holiday ever, and that sometimes means getting them everything on their holiday shopping list. But how can you balance giving them what they want and not breaking the bank? We've got some helpful tips to do just that!

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Holiday Hacks for Traveling College Students10/23/2018

Headed home for the holidays but strapped for cash? We’ve got tips to help you go in style!

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Financial Tips for Single Parents10/19/2018

Single parents face the same budget and finance issues as couples, but they go it alone. We’ve got tips to help you get control.

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Video: How Much Should I Save?10/16/2018

Saving money for a rainy day is a smart idea. But how can you do that on a limited budget? We'll show you some tips on how you can save and how much you should be saving!

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Creative Ways to Save on Energy Costs10/11/2018

Even though Summer is over, now is a good time to put into place good energy-saving habits.Try these simple steps to get your bill under control.

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Video: What is Budgeting and Why Is It Important?10/9/2018

Do you know how much money you have to spend on clothing, vacations or even your weekly Starbucks run? With a good budget in place, you'll ensure you won't overspend and leave yourself in a financial bind. 

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Beware of Mortgage Fraud10/5/2018

If you’re buying a new home, you’ll want to read our alert about a scam that could cost you big. Get the info on avoiding mortgage scams! 

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When Debt Consolidation Can Be a Good Move10/2/2018

Credit card balances, personal loans, student loans and more – anyone with debt knows it can get overwhelming. Read on for some helpful tips to consolidate your debt and pay it down faster!

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How to Save for a Down Payment on a Home9/26/2018

Find out some easy tips to save up for a down payment for your next home!

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Bridge Loans: Looking to Buy While You Are Selling?9/13/2018

Buying a home is thrilling and exciting and terrifying all at once.  Add in the fact that you haven’t sold your current home, and there are many more moving parts to your transaction.  In a hot real estate market, sometimes you have to jump in and make an offer before you’re quite ready (or able) to sell your current home.  If you have a hefty savings account and income sufficient to qualify for both of your mortgages, it might not be a problem, But for millions of homeowners, this scenario requires a different solution. 

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Q&A: New Cars vs. Used Cars9/11/2018

New car or used? It’s a tough decision, with advantages and disadvantages on both sides. Let us help you with our handy guide, and great credit union financing! 

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Should I Refinance Before I Retire?8/14/2018

Should you refinance your home before retirement? If you pick the right mortgage, you can reap significant rewards! We can help!

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Video: Money Hack - How To Save on Your Mortgage7/19/2018

Want to refinance your mortgage or get a new loan? Find out more about our Mortgage Loans today!


What's the Best Way to Finance a Home Renovation?7/17/2018

Time to fix up your home? Before you take out a personal loan or run up a credit card, check out home equity lines of credit. A HELOC might be just the thing!

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How Many Credit Cards Should I Have?7/12/2018

Credit cards affect your FICO score, but how many should you have? The answer is kind of twisty, but we’ve got tips to help boost your scores!

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Zero Percent Financing: What You Should Know Before You Shop6/28/2018

Does it make more financial sense to take the 0% financing or the rebate when I'm shopping for a car? Read our latest blog post to find out!

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8 Steps To An Energy-Smart Home6/26/2018

Want to make your home energy smart? Read on for some valuable tips! And, get information on our Home Energy Loans!

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Getting Married? Here are 5 Ways to Budget for Your Wedding!6/19/2018

It’s your wedding day! Can you save money on everything that goes with it? Absolutely! We’ve got tips and tricks to make your Special Day a bargain!

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Student Discounts!6/14/2018

Take some of the cost out of student life with huge student discounts from companies like Amazon, Microsoft and Adobe. Who says you can’t catch a break!

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Debit Card Safety6/5/2018

Your debit card is a great way to pay, but be smart about where you use it! A little caution can go a long way to protect your financial information.

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Money Tips: What to Grab and What to Skip in June5/30/2018

Ah, June! Summertime, and the shopping is easy! We’ve got the insider info on what to buy and what to skip in summer’s first month.

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Saving Smarts - Teaching Kids Smart Money Management5/25/2018

We want our kids to be money savvy. Our latest blog post offers tips for conversation starters and more for you to teach your kids money skills! 

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Should I Refinance My Home Mortgage?5/22/2018

Want to refinance your house? It can save you thousands, but be sure you’re doing it for the right reasons. Our guide will help you decide!

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4 Ways to Bring Your Dream Kitchen to Life5/15/2018

Looking to freshen up your kitchen? It’s less expensive than you might think to give the hardest-working room in your house a new look!

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Mother's Day Savings5/8/2018

Did mom teach you to be thrifty? Show her you were paying attention with a thrifty Mother's Day celebration. Show your love AND your good sense!

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How Should I Use My Tax Refund?4/24/2018

Got your tax refund? You might be tempted to spend it all, or maybe your friend needs a loan. We’ve got some better ideas!

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Video: Why You Should Get Pre-Approved for a Car Loan4/19/2018

Get pre-approved for a MCCU Car Loan now!

Want to skip the Dealer trip? Shop for your new car now with Autoland!


Buying a Home: The 20% Down Myth4/17/2018

Contrary to what most people think, you do NOT need 20% down to buy a house! See our tips on other mortgage options, and on why a lower down payment might be a great idea!

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5 Things to do Today to Help Your Future4/12/2018

College can be fun, but it’s also time to prep for the real world! Read our tips and you’ll be a big step ahead when it’s time to graduate and go job hunting!

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How To Fund an Emergency4/10/2018

Got a money emergency? From personal loans and credit cards to 401(k) loans and borrowing from family, you’ve got options … but choose carefully!

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7 Ways to Spring Clean for Extra Cash4/5/2018

Don’t let spring cleaning get you down! You can sell your excess stuff of all types to make some extra cash after you clean. We’ll show you how!

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Why Choose a Credit Union?3/27/2018

Fed up with fees and poor service? Looking for great service and better rates on loans and deposits? Join a credit union!

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A Dozen Tricks To Sell Your Home Quickly3/21/2018

 If you’re getting ready to sell your house, we’ve got 12 tips that will help you get a buyer quickly and sell for a great price! You’ll be closing in no time!

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Saving on Home Renovations3/14/2018

Is it time to remodel your kitchen? We’ve got tips that can save you thousands of dollars and still leave you with the gourmet enclave of your dreams!

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How To Use the Money Envelope System3/9/2018

Monthly budgeting is a necessary evil, but the envelope system can make it easy! Split up your money, spend carefully and don’t cheat and you’ll do great!

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Ready, Set, Go.... to College!2/2/2018

The process of a child leaving home is a major milestone that is made extra complex because of the emotions it generates. The reality, though, is that there are some very concrete things that can be done to smoothe this transition.

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Energy Saving Tips – What To Look For When Buying New Appliances1/22/2018

Don’t let a new appliance drive your power bill up! We’ve got tips to help you pick the right one for your needs!

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Tips
Avoid Fraud7/17/2023

In today's digital age, fraud has become a prevalent threat that affects individuals and businesses alike. Protecting our personal and financial information is of utmost importance. Here are some ways to safeguard yourself from falling victim to fraud.

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5 Tips for a Successful FAFSA for Financial Aid9/25/2020

October 1st is the first day to submit your FAFSA forms to apply for financial aid for college. We’ve got the tips you’ll need to get through the process successfully!

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Is Now a Good Time for Home Improvements?9/3/2020

Thinking about upgrading your kitchen or bathroom, or painting the house? Read our latest blog post for home improvement tips and helpful information!

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Staycationing? Turn Your Backyard Into an Oasis!7/28/2020

Has your summer vacation turned into a #staycation? We’ve got ideas to turn your backyard into an oasis that will keep you and the kids happy!

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First-Time Homebuyers: Save Money on Down Payments & Closing Costs!7/20/2020

Looking for your first home? Find out about special programs to help you save money when you buy!

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Tap Into Your Home’s Equity When You Need Money7/15/2020

If you’re looking to finance your next home improvement project, consolidate debt, or pay for college tuition, consider tapping into your home’s equity with a Home Equity Line of Credit (HELOC) from Matadors Community Credit Union.

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Summer Vacation During Covid – Take a Road Trip!7/9/2020

If you’re opting for a low-key road trip for your family or friends this summer, we’ve got some tips to save money and make it a safe and fantastic vacation.

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Buying a Home During Covid-196/29/2020

Before Covid you were ready to start your search for a new home, but that was halted? Is now a good time?

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How to Dispute and Pay for Large Medical Bills6/11/2020

Medical bills can throw a carefully planned budget into ruin. Even with insurance, the remaining bills can be crippling. Read our latest blog post for tips on how to tackle this issue.

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Shopping with Contactless Payments5/28/2020

Contactless payments are the safer way to shop. Have you added Apple/Samsung/Android Pay to your mobile wallet yet?

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Check Your Credit Report Weekly – For Free5/21/2020

Great news! Now you can check your credit report weekly - for free! 

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Video: Creative Ways to Save on Energy Costs5/14/2020

It's almost summer and it's going to get hot! We've got tips to help you stay cool.

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Financial Dos and Don'ts During the Coronavirus Outbreak5/12/2020

The coronavirus has a lot of people panicking, but keep a level head. Don’t sell all your investments or neglect your regular healthcare. Read further to get more tips, and be well!

 

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Celebrate Mother’s Day in Quarantine5/8/2020

Don’t let quarantine ruin your Mothers Day. We’ve got tons of ideas, from virtual craft projects and world tours to dinners together and even movie night. Get the info!

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Where is My Stimulus Check?5/7/2020

Are you still waiting for your stimulus check? Many Americans who filed tax returns and used direct deposit for refunds already have theirs. Find out when yours is due!

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How Should I Spend My Stimulus Money?5/5/2020

With stimulus checks and direct deposits heading out or already delivered, you might be wondering how best to use the money. We’ve got plenty of tips to help guide you to use it wisely.

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DIY Home Improvement and Maintenance Tips4/28/2020

Your home is where your heart is. For most of us right now, it’s also where our business is, our family is and our attention is. It’s safe to say your home is where you’re spending the majority of your time – and quite possibly a majority of your income – so make sure this investment pays off by keeping your home in the best shape possible!

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Shop Safely and Easily From Home With Sprint4/23/2020

Switch to Sprint and get $200 cash with Unlimited Plus or Premium. Plus $100 annual loyalty reward.

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Consolidating Debt with a Home Equity Line of Credit4/21/2020

By consolidating your high-rate credit cards and other debt into a single, lower-interest HELOC payment, you can reduce your total debt and pay it off faster.  

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Beware of Zoom Bombers4/9/2020

Don’t get Zoom-bombed! Find out how to keep your work and your kids’ school teleconferences safe.

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Can Experian Boost Help Improve My Credit Score?3/24/2020

Want to improve your credit score? Experian Boost™ can help!

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What Should Be On My Financial To-Do List This Spring?3/17/2020

Do your finances need a bit of sprucing up this spring? We’ve got a set of tips that will help you get your money matters in order!

 

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What Documents Do You Need for a Home Loan?3/12/2020

Getting your ducks in a row when applying for a mortgage can seem daunting, but it doesn’t have to be! MCCU is here to help you determine what type of loan, including size, duration and other terms, are right for you.

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Are Your Home Appliances Eating Up Your Utility Bill?3/10/2020

Is your fridge on the fritz? Is your old washer/dryer eating up your electricity bill? When it's time to replace your appliances, MCCU can help! 

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How to Quickly Save More for a Down Payment for a Home3/5/2020

While there are many down payment assistance programs and loan options that can make the down payment a little easier to swallow, there are also a few habits you can implement to quickly save for a down payment.

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Upgrade Your Heating & Cooling System in Your Home2/27/2020

If you have an older system in your home, now is the time to upgrade and start saving money in the long run. And MCCU can help.

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All You Need to Know About VA Home Loans2/25/2020

If you’re a veteran or the spouse of one, a VA loan could be your best route to homeownership! Matadors Community Credit Union can help get the ball rolling, so make the call!

 

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5 Ways to Trim Your Fixed Expenses2/20/2020

Trimming your monthly expenses can save you big money in your budget. Look at everything from your mortgage to monthly subscriptions and see what you can trim!

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How Will My Insurance Premiums be Affected By a Car Accident?2/18/2020

You’ve been in a car accident. You’re OK, but what’s going to happen to your insurance premiums if you’re at fault? 

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Stay on the Path to Homeownership with These Budget-Friendly Tips2/13/2020

If you're thinking about buying a home in the next year, do you have a budget to keep you on track?

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Make Your Home More Energy-Efficient in 20202/11/2020

When you make any energy-efficiency upgrades to your home, from light bulbs to windows and solar panels, not only are you helping the environment, you’re helping to keep more of your money in your own pocket. And we can help make it happen!

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How to Create a Budget in 6 Easy Steps2/6/2020

Do you have a budget? It’s not as hard as you might think to make one. We’ve got a simple six-step process that will have you in full command of your finances in no time!

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How to Build Your Credit From Scratch2/4/2020

If you’re just getting started in the credit world, you’re going to need to build your file. Matadors Community Credit Union can help, and we’ve got other great tips to get your credit score up!

 

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How To Make Your Career Choice Fit Your Budget1/31/2020

Unless you want an ugly financial surprise when you graduate, it’s best to determine upfront if your proposed career path will support you. We can help you figure it out!

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Should I Refinance to a 15-Year Mortgage?1/29/2020

With mortgage rates falling, many homeowners are rushing to refinance their 30-year mortgages into 15-year loans. Borrowers may be wondering if this is a financially sound move to make for their own mortgage. We’ve researched it and worked out the numbers for you so you can make a responsible, informed choice.

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8 Creative Ways to Save on Heating Costs This Winter1/23/2020

Are you dreading the winter heating bills? We’ve got a set of hacks that will help you stay toasty warm without setting fire to your checking account!

 

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All You Need to Know About Data Breaches1/22/2020

Data breaches are everywhere, and sometimes it seems like you’re powerless to protect your data. Well, you’re not! We’ve got tips to help you minimize your risk.

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How To Dispute an Error on Your Credit Report1/14/2020

Did you know that roughly a quarter of credit reports in a recent survey had errors in them? Is yours one? If you find a mistake on your report, we’ve got the steps you need to fix it!

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Help Your Child Open Their First Savings Account1/9/2020

Have you thought about opening a savings account for your child? This milestone can be an invaluable introduction to the world of personal finance and will acquaint your child with the most important aspect of money – saving.

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Beware of the Fake Check Scam Targeting College Students1/7/2020

Fake check scams aren’t just a problem for older folks. The biggest (and most profitable) target for these crimes are students! Find out how to protect yourself.

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Taking Steps Toward Financial Improvement for the New Year1/2/2020

We’re going to give you a break from New Year’s resolutions that involve the gym. This year, how about getting your finances in shape? MCCU can help!

 

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5 Things to Consider Before Buying a Home12/30/2019

Buying a home, especially for the first time, can seem cumbersome and confusing. We are here to help!

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Be Financially Prepared for 202012/24/2019

2020 is almost here – are you ready? Usher in the new year with plans for financial improvement and resolutions to do more. We've got some tips to get you started.

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5 Questions to Ask a Real Estate Agent12/19/2019

Buying a home is undoubtedly one of the most difficult decisions you’ll make. We've got tips to help you!

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Teach Your Kids to be Savvy Savers for the New Year!12/17/2019

What's the best gift you can get your child this year? No, it's not a Steam gift card or a new XBox. It's the gift of financial smarts. Teach them now so when they are adults, they will be on their way to financial freedom.

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All You Need to Know About Applying for FAFSA12/12/2019

It’s time to get your FAFSA forms done and start the wheels turning on the financial aid process for college. We’ve got the advice you’ll need to get through the process successfully!

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How Can I Make New Year's Resolutions That Stick?12/10/2019

Make sure your New Year’s resolutions this year work out better than the ones in the past! We’ll show you how to set yourself up for success and get help along the way.

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5 Financial New Year's Resolutions12/5/2019

The new year is quickly approaching - have you set your New Year resolutions yet? Here’s a simple set of New Year’s resolutions that will revolutionize your financial life.

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Empty Your Wallet Before You Go Holiday Shopping12/3/2019

It's holiday shopping time and the scammers are out there. We've got some great tips to help you stay financially safe!

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All You Need to Know About Home Loans11/21/2019

A mortgage is likely to be one of the biggest financial deals you ever make, so you need to know all the facts. Learn what types there are and how to prepare, then contact us to guide you through the process!

 

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6 Misleading Advertising Ploys to Watch Out For this Black Friday11/14/2019

The deals are out there on Black Friday, but if you’re not careful you’ll end up falling for “deals” that aren’t really deals. We’ll give you the info on how to keep from getting taken!

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Video: Credit Card Rewards Points or Miles: What’s Best For Me?11/12/2019

There are so many credit cards out there - how do you know which one is best for you? Watch our latest video to find out!

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Is Buying a Home In The Winter a Good Idea?11/7/2019

Buying a house in the winter isn’t as silly as it might sound. There are some big advantages to house hunting in the cold. Check out our tips!

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Fall Into Tax Planning11/5/2019

While most people don’t start thinking about their taxes until February or even April, the best time to make changes is this year.

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Year-End Retirement Savings Strategies10/31/2019

Whether your retirement unfolds as a beautiful dream or a scary nightmare depends largely on the financial decisions you make today. But if retirement planning is brand-new to you, you're not alone.

Continue Reading "Year-End Retirement Savings Strategies" »

Should I Lend Out My Credit Card?10/29/2019

What should you do when a friend asks to borrow your credit card? We’ll give you all the reasons you need to keep your wallet closed (and your friendship intact)!

Continue Reading "Should I Lend Out My Credit Card?" »

All You Need to Know About Your First Student Loan10/24/2019

The real talk is this: college isn't cheap. And sometimes federal aid, if you can get it, doesn't last long. So how do you manage your student loans? We've got tips!

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6 Ways to Keep Your Finances Intact This Holiday Season10/22/2019

It’s time for holiday shopping, and we can help! We’ve got shopping tips, budget advice and other info to keep your holidays jolly!

Continue Reading "6 Ways to Keep Your Finances Intact This Holiday Season" »

Top 5 Reasons Why Selling Your Home Yourself is Not a Good Idea10/15/2019

Selling your home? Read our latest blog post to find out why using a professional Realtor is better than selling it yourself. 

Continue Reading "Top 5 Reasons Why Selling Your Home Yourself is Not a Good Idea" »

13 Creative Ways to Save For a Home Down Payment10/9/2019

How much do you have saved for a down payment on a home? For many would-be homebuyers, saving up enough funds to cover a down payment and closing costs often feels like a monumental task. Luckily, you may be able to purchase a home with far less money down than you thought.

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Should I Refinance Before I Retire?10/3/2019

Should you refinance before retirement? If you pick the right mortgage, you can reap significant rewards! We can help!

Continue Reading "Should I Refinance Before I Retire?" »

Home Improvement Ideas to Maximize Your Investment9/26/2019

Owning your home is a great feeling, but how can you maximize that investment so that when the time comes to sell, you can get the most bang for your buck?

Continue Reading "Home Improvement Ideas to Maximize Your Investment" »

Understanding the Credit Card Trap9/24/2019

Whether you're applying for your first credit card, or you've had them for a while, it's always a good idea to learn how to manage your cards without going into debt.

Continue Reading "Understanding the Credit Card Trap" »

How To Get a Student Loan with No Credit9/12/2019

Credit—the ability to borrow money and repay it with interest—is a fact of life. Credit history is required if you’re applying for a car loan, mortgage, or a student loan. But the tricky thing is that many students haven’t had enough time to develop a credit history of their own before they begin college.

Continue Reading "How To Get a Student Loan with No Credit" »

Video: How to Avoid an Overdraft Fee9/10/2019

Paying an overdraft fee is something we all want to avoid. Watch this short video for tips on how to keep that money in your account!

Continue Reading "Video: How to Avoid an Overdraft Fee" »

Buying a Home With Student Loan Debt9/5/2019

Student loans can pose problems for many first-time home buyers trying to qualify for a home loan. This isn’t a news flash for most of us with student loan debt, but it also doesn’t have to mean the end of the road for the dream of homeownership.

Continue Reading "Buying a Home With Student Loan Debt" »

How Much Money Should I Keep in my Checking Account?8/29/2019

How much should you be keeping in your checking account? Too little and you could be in trouble. Too much and you lose interest earnings. We can help you figure it out!

Continue Reading "How Much Money Should I Keep in my Checking Account?" »

Your Complete Guide to Identity Theft Protection8/13/2019

Identity theft is unfortunately a reality right now. We’ve got a list of simple steps you can take to keep yourself out of the thieves’ crosshairs!

Continue Reading "Your Complete Guide to Identity Theft Protection" »

Do My Monthly Bill Payments Affect My Credit Score?8/8/2019

Boosting your credit score can seem tough, especially if you’re young or don’t have a lot of credit already. Fortunately, there are services that can help! We’ve got solutions.

 

Continue Reading "Do My Monthly Bill Payments Affect My Credit Score?" »

7 Steps to a Mid-Year Financial Checkup8/6/2019

Give yourself a financial checkup before the summer gets away from you! From credit score to investments, from debts to resolutions, it’s time to look under the hood!

Continue Reading "7 Steps to a Mid-Year Financial Checkup" »

What is an Estate Plan and Do I Need One?8/1/2019

You've probably heard the terms Estate Plan and Living Trust, but do you know what they are, and do you need one? Read on for valuable information. 

Continue Reading "What is an Estate Plan and Do I Need One?" »

GAP Insurance: What is it and do you need it?7/30/2019

When you buy a new car, you get car insurance to cover any accidents, right? But what happens if your car is totalled? Will traditional insurance cover it? Read on for more information.

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Need an Advance on Your Paycheck? Our Advance Pay Loan is the Affordable Solution7/11/2019

Before you go to a high-cost Payday Lender, ask us first about our affordable Advance Pay loans!

Continue Reading "Need an Advance on Your Paycheck? Our Advance Pay Loan is the Affordable Solution" »

Is a Personal Loan the Answer To My Urgent Money Need?7/4/2019

When you need money fast, talk to us first about a low-rate Personal Loan and see if we can help!

Continue Reading "Is a Personal Loan the Answer To My Urgent Money Need?" »

Your Child's First Car7/2/2019

Is it time for your child to start driving? They'll need a car - so if you're looking to buy one for them, read our latest blog post for some helpful tips!

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Borrowing Against Your 401(k) - Is It a Good Idea?6/27/2019

When you need money fast, for whatever reason, should you borrow against your 401(k)?

Continue Reading "Borrowing Against Your 401(k) - Is It a Good Idea?" »

Feeling Stuck in Your Car Loan? Might Be Time to Shop Around!6/25/2019

If you're paying a high rate for your car loan with another lender, consider a refinance with MCCU and you may save money on payments!

Continue Reading "Feeling Stuck in Your Car Loan? Might Be Time to Shop Around!" »

6 Money Myths You Need to Know About6/20/2019

How many money myths have you fallen for? Read our blog post and see how many of these common misconceptions have made their way into your financial outlook!

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Top 7 Home Improvements You Can Do With a Little Help From MCCU6/13/2019

If you've been putting off much-needed (or wanted) home improvements, read on for some helpful tips to do it affordably, with a little help from MCCU!

Continue Reading "Top 7 Home Improvements You Can Do With a Little Help From MCCU" »

A Pre-Approval Helps Homebuyers Compete6/11/2019

Shopping for a home can be exciting and nerve-wracking. When the market is tight, and you’re competing against multiple offers – especially when some of those offers are for cash – it can be downright frustrating. Read on to find out why you need a pre-approval before you shop for a home.

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3 Tips to Getting Financial Assistance with Your Down Payment6/6/2019

Is a large downpayment stopping you from buying a home? Read on for some tips on how to purchase a new home with a lower down payment.

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A Guide to Opening Your First Credit Card6/4/2019

If you’re taking that big adulting step of opening your first credit card, you need to read our tips on what card to pick and how to manage it! 

Continue Reading "A Guide to Opening Your First Credit Card" »

3 Ways Your Credit Union Can Help Fund Your Summer Vacation5/23/2019

Is the beach calling? Are the kids carving mouse ears out of soap? It’s vacation time! We want to help you make your dream trip a reality!

Continue Reading "3 Ways Your Credit Union Can Help Fund Your Summer Vacation" »

Which Features Should I Look for In a New Car?5/22/2019

Shopping for a new car? You’ll have as much fun picking out the features as the vehicle. We’ve got lists of all the most important options to help you make your picks!

Continue Reading "Which Features Should I Look for In a New Car?" »

4 Ways to Use Your Home's Equity5/14/2019

If you own a home, you may have equity in it (your current property market value minus your mortgage balance and any other liens you may have on your home). Find out how you can use that equity, at a very low cost.

Continue Reading "4 Ways to Use Your Home's Equity" »

College Students: Be Smart About Credit Cards5/9/2019

When you start college, credit card companies start hitting your student mailboxes with multiple credit card offers. Unfortunately, many students accept these tempting offers, use the cards enthusiastically, and then find themselves – even before they graduate – way over their heads in debt.

Continue Reading "College Students: Be Smart About Credit Cards" »

Raise Money Smart Kids5/7/2019

We all want what's best for our kids - and that includes financial smarts. Read on for some tips to teach your kids how to be money smart!

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Buying Your First Car5/3/2019

Congrats—you’re ready to purchase your first car! The process can be daunting, but we will walk you through it. Follow our guidelines for a stress-free ride!

Continue Reading "Buying Your First Car" »

Mortgage Rates are Dropping - Should I Refinance?4/23/2019

Are you thinking about refinancing your mortgage? Rates are low right now, but there’s a lot more to think about than just that. Get the info before you decide!

Continue Reading "Mortgage Rates are Dropping - Should I Refinance?" »

Home Improvement Hacks4/18/2019

You don’t need to spend a fortune to give your house a new look this spring. Read on for a list of home improvement hacks and learn how to upgrade your home on a budget.

Continue Reading "Home Improvement Hacks" »

How Can Refinancing My Car Benefit Me?4/11/2019

Car owners typically refinance for one of three reasons: to lower monthly payments, to save on interest charges, or to get cash to cover an expense or help manage other debt. To determine whether refinancing makes sense for you, take a good look at your current loan and financial picture.

Continue Reading "How Can Refinancing My Car Benefit Me?" »

5 Ways to Spring Clean Your Finances4/9/2019

Spring is here! Time for some spring cleaning of your finances! From getting rid of debt to getting your savings on track, we’ve got tips to help!

Continue Reading "5 Ways to Spring Clean Your Finances" »

How To Start The Homebuying Process4/2/2019

If you’re thinking about purchasing your first home, you may feel overwhelmed or confused on where and how to start. What are the first steps? Who should you talk to first? What professionals should you use?

Continue Reading "How To Start The Homebuying Process" »

7 Signs You're Living Beyond Your Means - And How to Fix Them3/28/2019

Does life just seem too expensive? You might be living beyond your means. We’ve got 7 ways to tell if you are, and tips to help you get your money back in line!

Continue Reading "7 Signs You're Living Beyond Your Means - And How to Fix Them" »

4 Reasons to Use Online Bill Pay3/26/2019

Wishing you didn’t have to write another check to pay your utility bill, gardener, or homeowner’s association? We’ve got the solution that saves you time and money—online bill pay.

Continue Reading "4 Reasons to Use Online Bill Pay" »

Personal Loans: Keep Your Borrowing in Check3/21/2019

Personal loans are a low-cost alternative to credit cards or other high-rate loans. If you've got bills you want to consolidate, or an emergency arises that you don't have the savings for, a Personal Loan with MCCU may be your solution. 

Continue Reading "Personal Loans: Keep Your Borrowing in Check" »

Mechanical Breakdown Insurance (MBI): What Is It and Do I Need It?3/14/2019

Auto insurance is required in most states. It makes sense to protect your investment and yourself and others in the event of an accident. But what happens when your car just stops working or something breaks? Those situations aren't covered under traditional auto insurance, but can be costly and inconvenient none-the-less.

Continue Reading "Mechanical Breakdown Insurance (MBI): What Is It and Do I Need It?" »

7 Steps To Purchasing an Auto Insurance Policy2/28/2019

Looking for a new auto insurance policy? We've got tips to help you with the process!

Continue Reading "7 Steps To Purchasing an Auto Insurance Policy" »

Your Complete Guide to Homeowners Insurance2/26/2019

Lost in the homeowners insurance maze? Balancing coverage with premiums and deductibles can make your head spin. We’ve got tips to help!

Continue Reading "Your Complete Guide to Homeowners Insurance" »

College Students: Be Smart about Credit Cards2/21/2019

When you get to college, you start getting hit with multiple credit card offers. Read on for some tips to manage your credit wisely.

Continue Reading "College Students: Be Smart about Credit Cards" »

5 Ways to Pay Off a Loan Early2/19/2019

Want to get out of debt? Who doesn’t? You can take small steps that add up to big interest savings and earlier repayment. We’ve got the info!   

Continue Reading "5 Ways to Pay Off a Loan Early" »

Top 5 Fuel Economy Tips2/14/2019

Unless you have an electric car, you are shelling out a lot of money for gas. Don't fret - we've got some tips to help you ease the pain at the pump.

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College Scholarships, Grants and Loans - What do they Cover?1/31/2019

Students and their families have plenty of options to consider when it comes to paying for college tuition. From scholarships to grants to loans, filling the gap can be a confusing proposition. Before deciding what options are right for you, there are a few important tips to keep in mind.

Continue Reading "College Scholarships, Grants and Loans - What do they Cover?" »

7 Reasons Not To Skip a Home Inspection1/24/2019

Found your dream home? Don’t sign anything until you have an inspection! It’ll save you money, heartache and even avoid safety hazards. Read our tips!

Continue Reading "7 Reasons Not To Skip a Home Inspection" »

How Your Credit Score is Calculated1/22/2019

Do you know what your credit score is or how it's used? Read on for valuable information on how your credit score affects you.

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Video: 4 Steps to Credit Repair1/10/2019

Consumers are sometimes faced with taking steps to repair tarnished credit. Here are four steps to help make that happen.

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Do I Need an Emergency Fund and a Rainy Day Fund?1/8/2019

Do you have money saved in case of an emergency? Rainy day and emergency funds are a must, and we have tips to help you set them up and feed them!   

Continue Reading "Do I Need an Emergency Fund and a Rainy Day Fund?" »

6 Ways to Earn Money Online1/3/2019

Want to make money online? Who doesn't? From taking surveys to being a consultant, we’ve got several ways to fill your wallet from your keyboard!   

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Financial Goals for the New Year1/1/2019

It's a new year and now is the time to think about your financial goals. Read on for some helpful tips!

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6 Financial Mistakes People Make in Their 20s12/27/2018

If you’re realizing that your 20s are behind you and the party is over, we’ve got ways to get your money life back in order for your future!

Continue Reading "6 Financial Mistakes People Make in Their 20s" »

Making the Holidays Count12/25/2018

Happy holidays! We’ve got great tips on how you can make the most out of your holiday break time while still having plenty of fun.

Continue Reading "Making the Holidays Count" »

New Year's Resolutions for 201912/20/2018

New Year's Resolutions don't have to be about losing weight or finding love. They can be all about your finances too! Set up some realistic goals for yourself for 2019 and have a financially happy 2019!

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5 Ways to Improve Your Credit Score12/18/2018

Having a good credit score means you'll have access to better interest rates when you need a loan. We've got tips to help you improve your score!

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7 Scams to Watch Out For This Holiday Season12/13/2018

 Don’t let holiday scams spoil your happiness! We’ve got warnings that will help you steer clear of all the naughtiest crooks looking to ruin your joy! 

Continue Reading "7 Scams to Watch Out For This Holiday Season" »

Tax Reform 101: 5 Reasons You Should Start Planning12/11/2018

Learn about important tax changes, plus as a MCCU member, you can save money on TurboTax products!

Continue Reading "Tax Reform 101: 5 Reasons You Should Start Planning" »

What You Need to Know About Inheriting an IRA12/6/2018

Inheriting an IRA can have a host of tax implications and brings a ton of requirements. We’ve got quick guide to help you make best use of your new IRA!

Continue Reading "What You Need to Know About Inheriting an IRA" »

How Should I Fund My Holiday Shopping?11/29/2018

Is holiday shopping turning your happiness into a lump of coal? We’ve got tips to keep your debt load low and your spirits high this season!

Continue Reading "How Should I Fund My Holiday Shopping?" »

Reduce Your Holiday Stress11/20/2018

Your shopping list is a mile long. Your social calendar is jam-packed. Your patience is wearing thin, and your budget is stretched to the max! If your holiday mantra is “Bah humbug” rather than “Ho ho ho,” try these tips to reduce your stress and enjoy the season.

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Why Do I Spend So Much Money Shopping Online?11/16/2018

Online shopping can eat up your budget if you’re not careful! We’ve got plenty of info on how retailers trick you into spending and how to beat the game.

Continue Reading "Why Do I Spend So Much Money Shopping Online?" »

5 Tips for Staging Your Home to Sell During the Holiday Season11/8/2018

Selling your home this holiday season? Staging your home can increase the likelihood of a sale, and attract more potential buyers. Read on for some tips to help you successfully stage your home during the holidays!

Continue Reading "5 Tips for Staging Your Home to Sell During the Holiday Season" »

7 Ways to Save on Thanksgiving Costs11/1/2018

Thanksgiving doesn't have to chew a hole in your budget! We’ve got great tricks to cut costs dramatically.

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How Not to Bust Your Holiday Budget10/30/2018

Parents want their kids to have the best holiday ever, and that sometimes means getting them everything on their holiday shopping list. But how can you balance giving them what they want and not breaking the bank? We've got some helpful tips to do just that!

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Holiday Hacks for Traveling College Students10/23/2018

Headed home for the holidays but strapped for cash? We’ve got tips to help you go in style!

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Financial Tips for Single Parents10/19/2018

Single parents face the same budget and finance issues as couples, but they go it alone. We’ve got tips to help you get control.

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Video: How Much Should I Save?10/16/2018

Saving money for a rainy day is a smart idea. But how can you do that on a limited budget? We'll show you some tips on how you can save and how much you should be saving!

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Creative Ways to Save on Energy Costs10/11/2018

Even though Summer is over, now is a good time to put into place good energy-saving habits.Try these simple steps to get your bill under control.

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Video: What is Budgeting and Why Is It Important?10/9/2018

Do you know how much money you have to spend on clothing, vacations or even your weekly Starbucks run? With a good budget in place, you'll ensure you won't overspend and leave yourself in a financial bind. 

Continue Reading "Video: What is Budgeting and Why Is It Important?" »

Beware of Mortgage Fraud10/5/2018

If you’re buying a new home, you’ll want to read our alert about a scam that could cost you big. Get the info on avoiding mortgage scams! 

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When Debt Consolidation Can Be a Good Move10/2/2018

Credit card balances, personal loans, student loans and more – anyone with debt knows it can get overwhelming. Read on for some helpful tips to consolidate your debt and pay it down faster!

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How to Save for a Down Payment on a Home9/26/2018

Find out some easy tips to save up for a down payment for your next home!

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Bridge Loans: Looking to Buy While You Are Selling?9/13/2018

Buying a home is thrilling and exciting and terrifying all at once.  Add in the fact that you haven’t sold your current home, and there are many more moving parts to your transaction.  In a hot real estate market, sometimes you have to jump in and make an offer before you’re quite ready (or able) to sell your current home.  If you have a hefty savings account and income sufficient to qualify for both of your mortgages, it might not be a problem, But for millions of homeowners, this scenario requires a different solution. 

Continue Reading "Bridge Loans: Looking to Buy While You Are Selling?" »

Q&A: New Cars vs. Used Cars9/11/2018

New car or used? It’s a tough decision, with advantages and disadvantages on both sides. Let us help you with our handy guide, and great credit union financing! 

Continue Reading "Q&A: New Cars vs. Used Cars" »

Should I Refinance Before I Retire?8/14/2018

Should you refinance your home before retirement? If you pick the right mortgage, you can reap significant rewards! We can help!

Continue Reading "Should I Refinance Before I Retire?" »

Video: Money Hack - How To Save on Your Mortgage7/19/2018

Want to refinance your mortgage or get a new loan? Find out more about our Mortgage Loans today!


What's the Best Way to Finance a Home Renovation?7/17/2018

Time to fix up your home? Before you take out a personal loan or run up a credit card, check out home equity lines of credit. A HELOC might be just the thing!

Continue Reading "What's the Best Way to Finance a Home Renovation?" »

How Many Credit Cards Should I Have?7/12/2018

Credit cards affect your FICO score, but how many should you have? The answer is kind of twisty, but we’ve got tips to help boost your scores!

Continue Reading "How Many Credit Cards Should I Have?" »

Zero Percent Financing: What You Should Know Before You Shop6/28/2018

Does it make more financial sense to take the 0% financing or the rebate when I'm shopping for a car? Read our latest blog post to find out!

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8 Steps To An Energy-Smart Home6/26/2018

Want to make your home energy smart? Read on for some valuable tips! And, get information on our Home Energy Loans!

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Getting Married? Here are 5 Ways to Budget for Your Wedding!6/19/2018

It’s your wedding day! Can you save money on everything that goes with it? Absolutely! We’ve got tips and tricks to make your Special Day a bargain!

Continue Reading "Getting Married? Here are 5 Ways to Budget for Your Wedding!" »

Student Discounts!6/14/2018

Take some of the cost out of student life with huge student discounts from companies like Amazon, Microsoft and Adobe. Who says you can’t catch a break!

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Debit Card Safety6/5/2018

Your debit card is a great way to pay, but be smart about where you use it! A little caution can go a long way to protect your financial information.

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Money Tips: What to Grab and What to Skip in June5/30/2018

Ah, June! Summertime, and the shopping is easy! We’ve got the insider info on what to buy and what to skip in summer’s first month.

Continue Reading "Money Tips: What to Grab and What to Skip in June" »

Saving Smarts - Teaching Kids Smart Money Management5/25/2018

We want our kids to be money savvy. Our latest blog post offers tips for conversation starters and more for you to teach your kids money skills! 

Continue Reading "Saving Smarts - Teaching Kids Smart Money Management" »

Should I Refinance My Home Mortgage?5/22/2018

Want to refinance your house? It can save you thousands, but be sure you’re doing it for the right reasons. Our guide will help you decide!

Continue Reading "Should I Refinance My Home Mortgage?" »

4 Ways to Bring Your Dream Kitchen to Life5/15/2018

Looking to freshen up your kitchen? It’s less expensive than you might think to give the hardest-working room in your house a new look!

Continue Reading "4 Ways to Bring Your Dream Kitchen to Life" »

Mother's Day Savings5/8/2018

Did mom teach you to be thrifty? Show her you were paying attention with a thrifty Mother's Day celebration. Show your love AND your good sense!

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How Should I Use My Tax Refund?4/24/2018

Got your tax refund? You might be tempted to spend it all, or maybe your friend needs a loan. We’ve got some better ideas!

Continue Reading "How Should I Use My Tax Refund?" »

Video: Why You Should Get Pre-Approved for a Car Loan4/19/2018

Get pre-approved for a MCCU Car Loan now!

Want to skip the Dealer trip? Shop for your new car now with Autoland!


Buying a Home: The 20% Down Myth4/17/2018

Contrary to what most people think, you do NOT need 20% down to buy a house! See our tips on other mortgage options, and on why a lower down payment might be a great idea!

Continue Reading "Buying a Home: The 20% Down Myth" »

5 Things to do Today to Help Your Future4/12/2018

College can be fun, but it’s also time to prep for the real world! Read our tips and you’ll be a big step ahead when it’s time to graduate and go job hunting!

Continue Reading "5 Things to do Today to Help Your Future" »

How To Fund an Emergency4/10/2018

Got a money emergency? From personal loans and credit cards to 401(k) loans and borrowing from family, you’ve got options … but choose carefully!

Continue Reading "How To Fund an Emergency" »

7 Ways to Spring Clean for Extra Cash4/5/2018

Don’t let spring cleaning get you down! You can sell your excess stuff of all types to make some extra cash after you clean. We’ll show you how!

Continue Reading "7 Ways to Spring Clean for Extra Cash" »

Why Choose a Credit Union?3/27/2018

Fed up with fees and poor service? Looking for great service and better rates on loans and deposits? Join a credit union!

Continue Reading "Why Choose a Credit Union?" »

A Dozen Tricks To Sell Your Home Quickly3/21/2018

 If you’re getting ready to sell your house, we’ve got 12 tips that will help you get a buyer quickly and sell for a great price! You’ll be closing in no time!

Continue Reading "A Dozen Tricks To Sell Your Home Quickly" »

Saving on Home Renovations3/14/2018

Is it time to remodel your kitchen? We’ve got tips that can save you thousands of dollars and still leave you with the gourmet enclave of your dreams!

Continue Reading "Saving on Home Renovations" »

How To Use the Money Envelope System3/9/2018

Monthly budgeting is a necessary evil, but the envelope system can make it easy! Split up your money, spend carefully and don’t cheat and you’ll do great!

Continue Reading "How To Use the Money Envelope System" »

Ready, Set, Go.... to College!2/2/2018

The process of a child leaving home is a major milestone that is made extra complex because of the emotions it generates. The reality, though, is that there are some very concrete things that can be done to smoothe this transition.

Continue Reading "Ready, Set, Go.... to College!" »

Energy Saving Tips – What To Look For When Buying New Appliances1/22/2018

Don’t let a new appliance drive your power bill up! We’ve got tips to help you pick the right one for your needs!

Continue Reading "Energy Saving Tips – What To Look For When Buying New Appliances" »

In our 20s and 30s, we think we’re invincible, but illness or job loss can happen at any time. Start a small system of saving to build an emergency fund that covers your expenses for at least three months.

#6: Not having adequate health insurance

While health insurance is expensive, it’s irresponsible and short-sighted not to have sufficient coverage. Health insurance isn’t optional, and young people are the first to ignore this rule. The cost may seem prohibitive, but it comes back to priorities and future planning.

Your turn: In your 20s and 30s, did you make some mistakes you regret? Or, are you in this age bracket now and have questions about setting your priorities? Share your questions or words of wisdom here!



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