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Keeping Vacations Practical for Your Budget

Keeping Vacations Practical for Your Budget

Posted On: June 1, 2021 by CSE Federal Credit Union in: Budgeting, Education, General, Lending, Personal Loan

 

As exhilarating as the idea is that you should ‘treat yourself’ on vacation, sometimes, it is probably not the right choice to make. If you don’t want to come home with sickening credit card bills, or a cash deficiency we encourage you to consider budgeting for your vacation.

Saving for a vacation doesn’t happen overnight. The best place to start is with a little account that we call a Vacation Club. This is a sub-account attached to your membership...

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Tags: Budget, Budgeting, CSE, CSE FCU, CSE Federal Credit Union, Finances, Money, Personal Loan, Saving, Vacation

Dive into CSE’s Online & Mobile Services

Dive into CSE’s Online & Mobile Services

Posted On: May 24, 2021 by CSE Federal Credit Union in: CSE News, Education, General, Mobile Services, Online Services

 

Technology within the banking industry is ever-changing, so we thought we would take a deep dive into our online and mobile services. Don’t worry you won’t need a breathing apparatus for this deep dive – we just want to remind you of these great convenient services which are available at your fingertips!

To start – there is the obvious and most convenient of our services, Online Banking & Mobile Banking with eBranch and CSE’s mobile app....

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Tags: Alerts, Bill Pay, CSE, CSE FCU, CSE Federal Credit Union, CSE News, eBranch, Estatements, Mobile App, Mobile Banking

Building & Repairing Credit Score

Building & Repairing Credit Score

Posted On: May 19, 2021 by CSE Federal Credit Union in: Budgeting, CSE, CSE News, Education, General, Lending

 

A credit score is a number that is used by financial institutions and/or credit card companies to determine the level of risk for a person when issuing a loan or credit card. A person’s credit score may influence the limit of credit available to them, as well as the term, length, and interest rate of a loan.

One of the first items that you (or a potential creditor) will see when looking at a credit report is your credit score: a number between 350 to 850. Generally,...

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Tags: Building Credit, Credit Score, CSE, CSE FCU, CSE Federal Credit Union, CSE News, Repairing Credit

Watching out for Summer scams

Watching out for Summer scams

Posted On: May 7, 2021 by CSE Federal Credit Union in: CSE, CSE News, Fraud Tips, General

 

Although many of us take vacations or breaks through the Summer season, fraudsters work all year long. During the Summer months, there are some specific scams to watch for along with typical scams we see all year long.

 

The Home Repair Scam

This time of year, home improvements seem to take over. In some cases, those home improvements start with or include a repair person…and fraudsters know this. This type of scheme typically begins with...

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Tags: CSE, CSE FCU, CSE Federal Credit Union, CSE News, Fraud Protection, Fraud Tips, Home Improvement, Scams, Summer Scams

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

CSE Making Your Vacation a Breeze

CSE Making Your Vacation a Breeze

Posted On: April 1, 2021 by CSE Federal Credit Union in: Credit Cards, General, Mobile Services, Personal Loan, Vacation Loan

 

Are you thinking about your Summer vacation? At CSE, we can make your whole experience a breeze from the financing to accessing your money while you're away, and even the security of your credit and debit cards while you're traveling. 

If you're looking to go on the vacation of a lifetime but don't have the spare cash, a personal loan at CSE is a great option to get you out of town within your budget. Or, if you've saved for vacation but are...

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Tags: Credit Card, Personal Loan, Shared ATM Network, Shared Branch Network, Travel Alerts, Vacation, Vacation Loan, Vacation Planning, Vacation Tools

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

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