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Financial Tips

Blog Tips Before Getting a Mortgage as a First-Time Home Buyer posted on 5/21/2022 Most people tend to apply for a mortgage whenever they want to buy a house. With research and extensive planning, becoming a homeowner can be attainable. However, reaching this goal can be tough, especially for first-time buyers. To get the best out of your purchase, here are some tips you can follow before you get your first mortgage. financial
Blog Personal Loans and Where To Use Them posted on 5/15/2022 A personal loan is a money that you can borrow from a lender or financial institution that can be used for several purposes. This money has to be repaid over time with interest. Personal loans may or may not require you some type of collateral as a condition of borrowing. It's different from a personal line of credit that is a preset borrowing limit that can be used at any time until the lender has reached their limit. financial
Blog The Benefits of Credit Unions to Small Communities posted on 4/10/2022 Credit unions are financial cooperatives that can provide various services related to handling and managing your money. They can be small entities that offer their services in a local area or large organizations that can operate nationwide. financial
Blog Financial Literacy Skills That Teens Should Know posted on 4/5/2022 Financial literacy is the knowledge of various financial concepts and skills such as saving and investing. One can use these to make sound decisions when it comes to money. Unfortunately, many of our youth today aren't quite as familiar with these concepts because they do not have access to accurate information. financial
Blog Tips on Handling Your Small Business Finances posted on 3/25/2022 At the heart of your business lies sound financial management. No matter how big or small, the way you handle your small business finances can make or break your company. One mistake can ruin everything you've worked for in your business. Understanding your business' finances now can make a crucial impact on your company's long-term success. financial
Blog How To Recover Financially After Losing a Job posted on 3/19/2022 Whether you're a beginner in the workforce or an employee with decades of experience under your belt, losing your job can take a toll on your finances. Once you lose your source of income, you'll be forced to tap into whatever savings you have to keep yourself financially afloat. But that doesn't mean you won't be able to get yourself back on your feet. financial
Blog Simple Personal Budgeting Tips You Can Follow posted on 2/28/2022 A personal budget is essentially a summary of your finances that compares your income to your expenses for a specific amount of time, usually for a month. Having a personal budget lets you achieve your financial goals. financial
Blog Common Types of Consumer Fraud posted on 2/23/2022 Consumer fraud is any instance where an individual incurs a financial loss due to malicious means. It can be through unfair, deceptive, misleading, or false claims or practices. Activities of this nature target the naïve members of the population, such as the elderly or the youth who are inexperienced with handling their finances. financial
Blog How Big of a Personal Loan Can I Get? posted on 2/17/2022 A personal loan is a debt you acquire from a financial institution that you'll have to pay monthly. They can be used to pay for emergency costs, start up businesses, and other important expenses. They have higher interest rates than other types of loans and should only be taken if necessary. financial
Blog Should I Put My Funds in a Money Market Account? posted on 2/11/2022 Finding ways to store your money can be quite a challenge. As you consider different ways to deposit your money, you may encounter money market accounts while doing your research. If you are unaware of what they are and what they can do for you and your money, read on to learn more. financial
Blog Child Tax Credit - What You Need To Know posted on 1/27/2022 The child tax credit has grown to up to $3,600 for the 2021 tax year. Here's a recap on who qualifies, when to expect Letter 6419 and how to reconcile the advanced credit on your taxes. financial
Blog Opening a Small Business Checking Account posted on 12/24/2021 You may be tempted to just start your business and have all of your company expenses go through your personal accounts. However, having a separate checking account for your business allows you to easily manage your company's finances. A dedicated small business checking account protects not only your startup but also yourself. financial
Blog Common Commercial Real Estate Loans and Terms posted on 12/17/2021 Commercial real estate, or CRE, and commercial property are properties exclusively used for conducting business purposes, rather than residential. They include malls, shopping centers, and office spaces. They can also refer to large residential rental spaces and any land used to generate profit. financial
Blog What Can a Business Credit Card Do for You? posted on 11/7/2021 Having a small business requires you to make necessary purchases for the company. A low-interest business credit card ready at hand can simplify the purchasing process. It offers hassle-free payments for big purchases like office furniture and materials. It may seem similar to a regular personal credit card, but a business one works differently. Here are some things you need to know before getting one. financial
Blog Letters of Credit: Their Importance and Use posted on 11/2/2021 Sometimes, businesses must conduct international trade transactions and secure funding for big projects. There are certain risks involved with the payment and delivery of the goods. If you're dealing with another company from across the globe, there is also the chance of ineffective communication between the two parties. That's where a letter of credit comes in to help smoothen the transaction. Read on to learn what a letter of credit is and how necessary it is. financial
Blog Different Ways To Get Financing for a Tractor posted on 11/1/2021 Read on to discover how long tractor loans last and what you need to know about them. For more info about loans, contact us at Community 1st Credit Union. financial
Blog Facing a financial hardship? Here are the steps you can take! posted on 10/25/2021 Have you ever unexpectedly found out you're going to have less income? The best way to get through hard times is to put a plan together. Here are the steps you can take to minimize the effects of financial hardship! financial
Blog Benefits of Business Digital Banking posted on 10/15/2021 An important part of handling a small business is finding ways to properly manage money. With the rise and development of the internet, business digital banking has never been easier and more efficient. It has allowed the use of paperless checks, automated payrolls, and other faster ways of moving finances. Here are just some of the important benefits of using business digital banking. financial
Blog Choosing Between Credit Card Rewards: Cashback or Travel? posted on 7/30/2021 Credit card rewards offer multiple perks and benefits—from store discounts to paid holidays. The dilemma, however, lies in choosing between cashback or travel benefits. financial
Blog Protect Yourself From Mobile Check Deposit Scams posted on 6/21/2021 Safeguard yourself from mobile check deposit scams by avoiding the red flags. For safe and secured digital banking, reach out to Community 1st Credit Union! financial
Blog Agricultural Loan: What It Is and How to Qualify for One posted on 6/10/2021 With proper preparation, you can qualify better for an agricultural loan. Call Community 1st Credit Union to learn more about agricultural land loans and more! financial
Blog Dealerships vs Financial Institutions: Which Car Financing Option Is Better? posted on 5/17/2021 Purchasing a ride doesn't happen overnight. For an average individual, it can take years of hard work before they can finally buy their dream vehicle. This can change by financing through a dealership or directly taking out a loan from a financial institution. financial
Blog Credit Union Car Loan Application: Approval Time and Processing posted on 5/17/2021 Approval for a credit union car loan can range anywhere from a few minutes to several weeks. This depends on different factors like your chosen lender, loan amount, credit history, and qualification. To give you an idea, here's an overview of the entire process: financial
Blog Auto Loans for New Buyers: Financing Cars the Smart Way posted on 4/26/2021 Purchasing a car for the first time is a great milestone in life. However, it also entails a huge financial responsibility. If you've been planning to buy your first car but are slightly short on cash, consider applying for car loans. Be sure to check out these tips on how you can increase your chances of getting approved for one. financial
Blog Home Refinancing: When's the Best Time to Do It? posted on 4/22/2021 Home refinancing is the process of paying off your existing loan and replacing it with a new one. It can be used for a variety of purposes, including obtaining a lower interest rate and reducing monthly payments. financial
Blog 3 Different Ways You Can Use Your Home Equity Loan posted on 3/22/2021 If you need extra funding, you can tap into your home's equity and use it as collateral for taking out a loan. This type of financing is known as a home equity loan second mortgage. financial
Blog 3 Digital Banking Trends to Watch Out for This 2021 posted on 3/16/2021 With the onset of the pandemic came a significant change in the banking scene. Safety protocols like social distancing urged consumers to rely heavily on digital banking. financial
Blog Which Loan Is Best for a First-Time Home Buyer? posted on 3/14/2021 The right loan can get you one step closer to buying your dream house. Call Community 1st Credit Union to learn more about their First-Time Home Buyer Program! financial
Blog How Do I Choose a Digital Wallet? posted on 3/4/2021 When choosing a digital wallet, consider factors like features and security. Call Community 1st Credit Union to learn more about our mobile wallet options! financial
Blog 4 Ways You Can Form Better Spending Habits posted on 1/27/2021 Reach your financial goals with better spending habits. Community 1st Credit Union's, credit union savings account can help you achieve this. Call us now! financial
Blog A Step-by-Step Guide to Creating Your Own Financial Plan posted on 1/27/2021 Reach your money goals with a solid financial plan. Community 1st Credit Union has the right tools to help put your personal savings plan into action. Call us! financial
Blog 52-Week Money Challenge posted on 1/6/2021 Find out how the 52-Week Money Challenge can help you save more than $1,000 this year! financial
Blog 3 Ways to Bounce Back From This Year's Holiday Spending posted on 12/25/2020 You can recover from holiday spending with planning and discipline. Apply for Community 1st Credit Union's Christmas Club savings account to avoid overspending. financial
Blog 4 Budgeting Tips to Help You Save During the Holidays posted on 12/9/2020 Having a budget in place can help you save during the holidays. Contact Community 1st Credit Union to learn more about our Christmas Club savings account. financial
Blog 4 Reasons You Should Switch to Digital Banking posted on 11/20/2020 With digital banking, you can manage your account anytime and anywhere. Reach out to Community 1st Credit Union today to learn more about this service. financial
Blog 4 Ways You Can Succeed at No-Spend November posted on 11/13/2020 No-Spend November is a great way to cut back on costs. At Community 1st Credit Union, we can also help you better manage your savings. Call us to learn more. financial
Blog Personal Loans: What They Are and When to Get Them posted on 11/6/2020 A personal loan can be used in several ways, like paying for emergency expenses. Contact Community 1st Credit Union to apply for no-collateral funding. financial
Blog 4 Helpful Tips for Using Credit Cards Wisely posted on 10/28/2020 The strategic use of credit cards yields multiple benefits like low interest rates for loans. Reach out to Community 1st Credit Union today to apply for one. financial
Blog How to Effectively Manage Cash Flow for Small Businesses posted on 9/23/2020 Keep your business running by maintaining positive cash flow. At Community 1st Credit Union, we offer services to help you manage cash better. Call us now. financial
Blog Ways to Use a Business Credit Card for Your Start-Up posted on 9/23/2020 When used wisely, a business credit card can offer numerous benefits for your start-up. Contact Community 1st Credit Union and find out how to apply for one. financial
Blog Why You Should Start Investing at an Early Age posted on 8/25/2020 Attain financial stability by opting to invest at an early age. Find a strategy that works for you by calling a Community 1st Credit Union's financial expert. financial
Blog Helpful Tips for Getting a Car Loan as a Student posted on 8/25/2020 With financial assistance, you can get the car of your dreams as a student. Learn more about auto loans in Iowa by calling Community 1st Credit Union today. financial
Blog Things to Know About Private Student Loans posted on 7/27/2020 Don't let financial constraints ruin your chances of getting a good education. Call Community 1st Credit Union to see if you qualify for a private student loan. financial
Blog Helpful Tips for First-Time Home Buyers posted on 7/24/2020 Buying a house can be daunting, especially when it comes to finances. At Community 1st Credit Union, you can get a home loan at a competitive rate. Call us. financial
Blog Should You Roll Over Your 401(k)? posted on 6/29/2020 Are you considering rolling over your 401(k)?   If so, now is the time to meet with a financial professional. financial
Blog How An Agricultural Loan Can Help Your Business posted on 6/29/2020 Give your business a boost with proper funding. At Community 1st Credit Union, you can get an agricultural loan at a competitive rate. Call us now! financial
Blog 3 Reasons to Consider Applying for a Business Loan posted on 6/24/2020 Turn your business goals into a reality with proper funding. At Community 1st Credit Union, you can get a short-term business loan at a good rate. Call us now. financial
Blog How to Strengthen Your Home Loan Application posted on 5/29/2020 Most people dream of owning a house. At Community 1st Credit Union, we can help turn that into a reality with our home purchasing loan. Call us to learn more. financial
Blog Ways to Build a Good Credit Score posted on 5/29/2020 Having good credit is not without its many benefits. Reach out to Community 1st Credit Union today to find out if you qualify for our different cash loans. financial
Blog Roth IRA Conversion in the Era of COVID-19 posted on 5/27/2020 Difficult times, like we are in now, may open doors to new possibilities. Businesses are changing their ways of operating, and individuals are exploring new avenues for investment. It may be time for you to consider some opportunities, as well. financial
Blog Importance of Opening a Savings Account Today posted on 5/5/2020 Take a different path by choosing to open a savings account today. financial

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