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Latest Articles and Promotions

P2P Loans vs Credit Cards: Which is Better for Financing?

Blue bank credit card on laptop screenThe debate over the future of the financial services industry is underway with the growth of the financial technology sector. The budding industry, known as fintech, has burst onto the global stage. Traditional financial institutions are having difficulty keeping up with the innovative features offered by these young firms. With the growth of the peer-2-peer (P2P) lending market, analysts and investors are now starting to take a close look at existing loan and financing options compared to P2P.

Posted on May 4, 2016 by Ryan

Associated Bank offering $500 Closing Cost Discount on all New Mortgage and Construction Loans

Associated Bank logoFor most, purchasing a home cannot become a reality without taking on a mortgage. Whether it is new construction or a property with years of history, borrowing is a necessary part of the home ownership process. It is not, however, the only cost associated with getting into a new home. Closing costs can make up a substantial part of the upfront expenses needed to secure a new mortgage, but numerous offers are available to prospective homeowners to help reduce the initial expense of buying a property.

Posted on May 2, 2016 by Melissa

Financial Literacy Month: Online Resources

Instructor teaching financial literacy on tripod projectorSince its inception in 2004, Financial Literacy Month has grown not only in popularity and promotion, but also in the number of available resources meant to enhance personal finance education among all age groups and income levels. We have put together a list of the most helpful tools and educational materials made available at no cost to individuals looking to increase their knowledge about financial wellness and stability.

Posted on April 29, 2016 by Melissa

April is Financial Literacy Month: Tips for Achieving Financial Wellness

Pencil writing financial literacy on paperFor over a decade, the month of April has been designated as Financial Literacy Month. The initiative, prompted by Congress and implemented by a variety of financial service and resource organizations, is intended to encourage consumers to educate themselves on the topic of financial wellness and how certain financial actions help – or hurt – their lifestyle. From everyday money management to education on credit cards and personal loans, Financial Literacy Month is a time to embrace the otherwise daunting task of gaining a clear and accurate picture of your finances. Here are a few tips for achieving financial wellness during this all too important month of the year.

Posted on April 27, 2016 by Melissa

Old National Bank offering 1.74% Introductory APR on HELOC for 12 Months

Old National Bank logoA home equity line of credit can be a financial life saver when used in the right way, especially as interest rates hold at historically low levels. Homeowners can tap into the equity built up in their primary residence for a slew of financial needs, including refinancing higher interest rate credit card debt or personal loans, financing a home renovation or upgrades, paying for a child’s college tuition or simply having a buffer for unexpected bills. Regardless of the purpose, a home equity line of credit is a powerful financial tool for homeowners.

Posted on April 25, 2016 by Melissa

Strategies for Managing Your Debt

Business man calculating debtDebt can be a real pain in the neck. They are called ‘liabilities’, but a more accurate term for debt is financial burden. Debt has been plaguing the consumers of our nation for some time now. The typical kinds of debt usually include credit cards, personal loans or mortgages, all of which are usually a necessity. But that’s just it, debt is a necessity. It’s part of our daily lives and part of our personal financial growth. Dealing with debt will always be a pain in the neck, but if you manage your debt correctly, you can reduce the stress of owing debt while also saving a bit of money.

Posted on April 21, 2016 by Ryan

BMO Harris Bank offering .50% Interest Rate Discount on Home Equity Line of Credit

BMO Harris Bank logoBorrowing against accumulated equity in your primary residence is a smart solution to some of life’s cash-flow concerns. A home equity line of credit (HELOC) or a home equity loan typically offers a lower interest rate than a personal loan or credit card cash advance, and repayment can generally be extended for a long period of time. Equity in the form of cash can be used for a myriad of expenses, including college funding for children, consolidation of higher interest rate debt, home renovations or unexpected bills. To make the most of a home equity line of credit or home equity loan transaction, it is important to seek out the best terms from your local bank or credit union.

Posted on April 18, 2016 by Melissa

TD Bank offering Free Samsung Galaxy Smartphone with New Personal Checking Account

TD Bank logoChecking accounts are a dime a dozen with most financial institutions. They all offer the same convenient access to cash via personal checks or debit cards, direct deposit capabilities, and minimal fees. However, every now and again a special offer is made available through certain banks or credit unions that is hard to overlook.

Posted on April 15, 2016 by Melissa

REVIEW: Barclaycard Ring MasterCard Credit Card

Barclaycard Ring MasterCard credit cardThere are plenty of great credit cards offered by Barclaycard, but people with excellent credit should seriously consider this super-low APR credit card.

The notable Barclaycard Ring MasterCard credit card has by far the lowest across-the-board annual percentage rate of any Barclaycards we found; with a low 8.25% APR on standard purchases, balance transfers and cash advances.

Posted on April 14, 2016 by Wes

Can You Trust No Credit Check Loan Companies?

No credit check call outLending institutions are always looking for new ways to make money. Considering their business model, it’s not the easiest job in the world trying to find new people to lend money to. Giving out and servicing loans is a risky venture. These banks and credit unions can end up losing money on loans should the borrower default on the loan. This is the entire reason the government created credit rating agency’s rules and regulations; to ensure that both consumers and banks were protected from risky loans.

Posted on April 13, 2016 by Ryan

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.19%
    Low Interest Rate:11.96%
    Balance Transfer:14.39%
    Cash Back:15.30%
    Instant Approval:18.04%
    Bad Credit:22.56%
  • Mortgage Rates

    Courtesy of erate.com