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Update for Bill Pay Users

The Credit Union has been informed that Payveris Bill Pay checks dated 12/23/2021-12/31/2021 have now been sent. If you have made alternative arrangements with your payee(s) regarding these checks, please plan accordingly and reach out to us if you need to place a...

Attention Bill Pay Users!

Please review your bill payment account for any payments sent by check. We were notified by Payveris on 12/31/2021 that bill pay checks from 12/23/2021 up through today (12/31/2021) have not been processed. At this time, we don’t have an estimated time when check...

1099 INT Instructions

Instructions for Recipient The information provided may be different for covered and noncovered securities. For a description of covered securities, see the Instructions for Form 8949. For a taxable covered security acquired at a premium, unless you notified the payer...

Tips for Improving Your Credit Score

While not a measure of your overall financial health, a high credit score can lead to lower interest rates on mortgage and car loans. FICO scores below a certain level can disqualify you from conventional, low, fixed rate mortgage programs.   Pay on Time One of...

Applying for a Mortgage? Here’s What to Consider:

A mortgage application is a big life decision that requires commitment. There are many factors to be assessed before applying for a mortgage to make the process go smoothly. A mortgage is a big loan and may even be one of the biggest financial responsibilities you...

Do You Need a Credit Card?

Paying with a credit card is the safest way to make a payment. However, playing the credit card game does come with many perils, especially when you don’t make your payment by the due date or pay the balance in full.  Applying for a credit card is a significant...

Should You Get a 15-Year or 30-Year Mortgage?

If you are an aspiring homeowner, it is easy to overlook the crucial parts of buying a house. There are a lot of things to look into, such as location, age, and layout. However, the more important factors are learning the different mortgage options and how they can...

4 Things to Know About Debt and Marriage

Debt is not a foreign word to many people. Especially during the pandemic period, the rise in debt for individual households saw a rapid increase.  According to Forbes, in 2020, consumers owed $323 billion on personal loans, an all-time high.  A contributing factor to...

3 Mistakes to Avoid as a First Time Home Buyer

It’s an exciting time to buy a home. Those interested in making their dream of homeownership a reality may find opportunities within their community to do so if they stay patient and continue to look around. Embracing the process may seem a bit overwhelming for those...

What’s the Difference Between a Loan and a Line of Credit?

Whether it’s to buy a home, start a business, or just manage extra expenses, sometimes you need to borrow money from a financial institution. There are essentially two ways to do it: a loan, or a line of credit. Of course, each of them can take a number of different...

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