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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

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

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

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

Get Out of Debt graphic

To Consolidate...or Not to Consolidate?

Posted On: January 2, 2021 by CSE Federal Credit Union in: General, Lending

Exploring When Debt Consolidation Makes Sense

Debt affects nearly every consumer, no matter what financial situation you find yourself in. According to the Federal Reserve1, American's hold nearly $4.2 Trillion (yes, with a T) in consumer debt, or, roughly $38,000 per person. This number excludes mortgage debt but includes everything else: student loans, credit cards, vehicle loans, personal loans, and other debts.

If digging out of debt is on your financial to-do list,...

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

Start Shopping Early This Holiday Season

Start Shopping Early This Holiday Season

Posted On: September 17, 2020 by CSE Federal Credit Union in: General, Lending

 

Holiday shopping in 2020 may present some unique challenges. When the COVID-19 pandemic hit, it disrupted pretty much every major industry. In the world of retail, disruptions came in the form of closures of brick-and-mortar stores, supply shortages, and shipping delays. With this blow, shopping in 2020 has looked quite different and people are experiencing a new way of shopping. The holiday shopping season is just ahead, and we’re already thinking about how the pandemic...

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Tags: Credit Card, CSE, CSE FCU, CSE Federal Credit Union, CSE Loans, Holiday Financing, Holiday Loan, Personal Loan, Shop Early

Getting back to normal after the COVID-19 crisis & revamping your finances.

Getting back to normal after the COVID-19 crisis & revamping your finances.

Posted On: June 9, 2020 by CSE Federal Credit Union in: Budgeting, CSE News, Education, General, Lending

The COVID-19 crisis has affected every single one of us, though it’s level of impact varies. Some of us were financially prepared for a situation like what we just went through, others were not. For all of us, now is a great time to assess where we were, where we are, and where we want to be in our financial lives as we recover from the COVID-19 pandemic.

Financial prosperity in a post-crisis world may seem unlikely or even unattainable. If you’re finding that it's time...

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Tags: COVID, COVID Relief, Credit Unions, CSE, CSE FCU, CSE Federal Credit Union, Finances, Money, Resources

Mortgage Process

Making Sense of the Mortgage Process

Posted On: March 11, 2020 by CSE Federal Credit Union in: Lending, Mortgages

 

Just because it’s a seller's market doesn’t mean it’s not a good time to buy, if you’re ready. Right now there will be homes popping up faster than you know it, even more so since Spring is here. Being prepared now means you’ll be ready when you find that home of your dreams!.

Where do I start?

First things first - determining your needs and wants in a home and setting a budget. If you’re buying a home with another person,...

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

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