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Personal Loans for When You Need It

Personal Loans for When You Need It

Posted On: April 17, 2021 by CSE Federal Credit Union in: Budgeting, Credit Cards, CSE, Lending, Personal Loan

  Outside of auto loans and mortgage loans, personal loans are likely the next type of loan you would use as a consumer. A personal loan is a type of unsecured loan, which means there is no collateral held in the event that you cannot pay back the loan. Generally, a personal loan is a form of credit that can help you make a large purchase or consolidate high-interest debt, but they can serve a number of other purposes as well.   Here are some common reasons you may need a personal loan: Emergencies Unexpected expenses pop up all the time. Whether it be your car breaking down, medical bills, funeral expenses or something else, when you need money in a hurry but don’t have enough saved to cover it, a personal loan can be a safe harbor for your SOS.   Debt consolidation Consolidating debts is one of the number one reasons people take out a personal loan. A personal loan can help by combining the balances of multiple other loans or credit cards and
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Personal Loans for When You Need It

Personal Loans for When You Need It

Posted On: April 17, 2021 by CSE Federal Credit Union in: Budgeting, Credit Cards, CSE, Lending, Personal Loan

 

Outside of auto loans and mortgage loans, personal loans are likely the next type of loan you would use as a consumer. A personal loan is a type of unsecured loan, which means there is no collateral held in the event that you cannot pay back the loan. Generally, a personal loan is a form of credit that can help you make a large purchase or consolidate high-interest debt, but they can serve a number of other purposes as well.

 

Here are some common reasons...

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Tags: Budget, Budgeting, CSE, CSE FCU, CSE Federal Credit Union, CSE Loans, Debt Consolidation, Personal Loan

Parents’ Guide to Teaching Kids About Money

Parents’ Guide to Teaching Kids About Money

Posted On: April 5, 2021 by CSE Federal Credit Union in: CSE News, General, Youth Accounts

 

Teaching your children about money is one of the most important lessons and skills that you may teach them in their entire lifetime. The topic of money and personal finance doesn’t always come up in school curriculum, other than showing them what a penny is versus a nickel – that’s why it’s important that money and finances are a regular and comfortable conversation in your household.

It can be an overwhelming thought when you start thinking about...

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Tags: Credit Unions, CSE, CSE FCU, CSE Federal Credit Union, CSE News, Teaching kids about money, Youth Accounts, Youth finances

Reasons to Refinance

Reasons to Refinance

Posted On: March 22, 2021 by CSE Federal Credit Union in: Auto Loans, Education, General

 

Refinancing a loan is a fairly common practice for consumers, and refinancing debt can be beneficial if done right. “Essentially, refinancing replaces an old loan with a new one with terms that are better for your situation.” (BANZAI) There are multiple reasons why someone would consider refinancing a loan, so let’s start by evaluating what those reasons might be.

Here are a few reasons some people choose to refinance a loan:

To save...

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Tags: Auto Loans, CSE, CSE FCU, CSE Federal Credit Union, Education, Refinancing

Mortgage Pre-Approval Tips from CSE Experts

Mortgage Pre-Approval Tips from CSE Experts

Posted On: March 19, 2021 by CSE Federal Credit Union in: CSE, General, Lending, Mortgages

 

Buying a home is a memorable and huge experience that many people dream about. But, buying a home isn’t something you should do ‘on the fly’, rather something you should do mindfully with good research, consideration, and financial stability.

It’s important that you, and your co-borrower if you have one, do ample know what it is you’re looking for in a home exactly. Talk about it, and make sure you’re on the same page. Once you’ve...

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Tags: Buying a House, CSE, CSE FCU, CSE Federal Credit Union, CSE Loans, Education, Homebuying, Mortgage Process, Mortgages, Pre-Approval

Mortgage Loans: Exploring Myths vs Reality

Mortgage Loans: Exploring Myths vs Reality

Posted On: March 10, 2021 by CSE Federal Credit Union in: CSE, Education, General, Lending, Mortgages

 

Purchasing a home can be one of the most exciting, while being equally one of the most stressful times of your life. The housing market has been on fire in recent years, so when you see a house that you’d like to explore buying, you’ve got to be prepared. To help provide some clarity, we want to provide some insight on some of the most common mortgage myths that consumers may question.

 

Myth #1 | You need 20% for a down payment....

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Tags: Buying a House, CSE, CSE FCU, CSE Federal Credit Union, CSE Loans, Home buying process, Homebuying, Mortgage, Mortgage Myths, Mortgage Process

Don’t fall for financing traps when shopping for your next auto loan.

Don’t fall for financing traps when shopping for your next auto loan.

Posted On: March 1, 2021 by CSE Federal Credit Union in: Auto Loans, CSE News, General, Lending

 

Buying a car, whether it’s new or used, is almost always an exciting purchase. Whether it’s a car with better features, something that is more ‘your style’, or something else, it’s just fun to drive around in something new. But, with a new car, usually comes a new loan. To make sure you are having the ultimate fun with your new vehicle, make sure you have the best financing.

Here’s what to watch out for when car shopping at dealerships...

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Tags: Auto Financing, Auto Loans, Car Buying, Car loans, Car Shopping, CSE, CSE FCU, CSE Federal Credit Union, CSE Loans, CSE News

You don't have to be elderly to do a checkup on your retirement plan.

Retirement Checkup - Don't wait 'til it's too late!

Posted On: February 27, 2021 by CSE Federal Credit Union in: Budgeting, CSE News, Education

 

Just the thought of retirement can be both exciting and terrifying at the same time. It’s what you’ve worked towards for your entire life, but it comes with many unknowns. You’re sure to be wondering if you’ve saved enough, can afford your expenses moving forward, and whether you’re truly ready to move into the next stage of your life.

The reality is that when it comes to retirement, many are unprepared due to a combination of increasing...

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Tags: Budget, Budgeting, CSE, CSE FCU, CSE Federal Credit Union, CSE News, Retirement, Retirement Planning

Why Your Credit Union Membership Matters

Why Your Credit Union Membership Matters

Posted On: February 24, 2021 by CSE Federal Credit Union in: CSE News, Education, General

 

Have you ever walked into the credit union and thought it felt a little different? Perhaps a little more welcoming than most other financial institutions? Well, that’s because as a credit union member, you are part owner which means you have a say in how CSE is operated - - so you’re practically part of the family! With that, comes a number of benefits such as the affordable financial perks and easy access to your money. Because we are member-owned, we are there for...

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Tags: Board of Directors, CSE, CSE FCU, CSE Federal Credit Union, CSE News, Memership

Don't Fall for the Romance Scam

Don't Fall for the Romance Scam

Posted On: February 5, 2021 by CSE Federal Credit Union in: CSE News, Fraud Tips

 

The romance scam is one of the most common scams that we see at the credit union, but at times, is one of the most difficult to convince members that they are falling victim to. Millions of people each year turn to dating sites or social media to meet people. Don’t feel embarrassed if this hits home. Rather, consider evaluating red flags if this story sounds all-too-familiar.

There are a few red flags you will quickly notice if you’re involved in a romance...

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Tags: CSE, CSE FCU, CSE Federal Credit Union, Federal Trade Commission, Fraud Protection, Fraud Tips, FTC, Romance Scam

CSE's Balance Transfer Special

CSE's Balance Transfer Special

Posted On: January 20, 2021 by CSE Federal Credit Union in: CSE News, Debit & Credit Cards

The holidays are super jolly until they catch us by surprise in the New Year. After a spending bonanza, comes the dreaded credit card statement. It’s completely possible that it may take your breath away when you see all of those charges as your new balance due. If you carry a balance on your credit card(s), don’t worry, CSE is here to help provide relief with a balance transfer special designed to give you some financial flexibility!

Many store-issued credit cards that you...

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Tags: Balance Transfer, Credit Card, Credit Cards, CSE, CSE FCU, CSE Federal Credit Union, CSE News, Visa

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