Latest Articles and Promotions

What to do if Your Identity is Stolen Over the Holiday Season

Man chasing Santa Clause stealing a giftThe holiday season is prime time for identity thieves because with it comes an incredible increase in spending. This means identity thieves are looking for tech-unsavvy shoppers who do their holiday shopping over unsecured networks or websites. Even better for them, the increase in spending can make their fraudulent charges look a bit more legitimate to everyone involved. Who knows, that brand new TV could have been a gift? Knowing how to handle the joyful craze can minimize the risks you accidentally take.
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Posted on December 22, 2014 by Ronda

AmeriCU Credit Union Offering 1.29% APR Auto Loan

AmeriCU Credit Union logoWhen it comes to purchasing a new or used car, finding the right financing is not typically the first priority; it is, however, one of the most important aspects of the car buying process. It is pertinent that buyers understand the financing terms offered either through the dealership or an outside financial institution, including the annual interest rate assessed as well as the time frame for repayment. Before getting caught up in shiny new wheels, buyers can do themselves a favor by researching financing options prior to heading to the dealership. A notable offer from AmeriCU Credit Union should be on that research list.
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Posted on December 19, 2014 by Melissa

PenFed Gold Visa Credit Card: 4.99% Balance Transfer Intro APR and $100 Bonus

Pentagon Federal Credit Union logoWith the wide variety of credit cards on the market available to consumers today, it can be difficult to compare the differences in features. Some cards offer low or zero rate balance transfer options while others provide the opportunity to earn rewards points, travel miles or cash back. When searching for the perfect credit card for you, it is important to review these benefits along with the interest rate being offered and understand the features that card provides and any fees that may be assessed for utilizing those features. For consumers in the market for a new credit card, Pentagon Federal has a simple but competitive option with a limited-time special offer.
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Posted on December 15, 2014 by Melissa

Navy Federal CU cashRewards Credit Card: 1.50% Cash Back and $200 Bonus

Navy Federal Credit Union logoIt is never more apparent that life can require credit than during the busy holiday season. Extensive travel to see family members coupled with purchasing countless gifts can mean the need for easy, affordable access to higher dollar amounts than your checking or savings may provide. Credit cards can be a great way to finance quickly accruing holiday spending, and can also provide a variety of additional perks. There are numerous credit card options on the market today, with a wide range of interest rates and user benefits, but some are more noteworthy than others. Currently, Navy Federal Credit Union is offering its members a credit card with outstanding benefits, just in time for the holidays.
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Posted on December 12, 2014 by Melissa

Logix Federal CU Offering 0.125% Discount on 30-year Fixed Rate Mortgage

Logix Federal Credit Union logoIn the current low interest rate market, individuals and families are able to take advantage of attractive deals for their first and next home purchase. For those in the home buying market, navigating through the sea of mortgage options can seem like an overwhelming task. Numerous financial institutions are offering rate discounts, help with closing costs as well as a broad spectrum of repayment terms. In order to determine which offer is best for your specific situation, it is important to know what is available in your area. For home buyers in certain states, Logix Federal Credit Union is offering a mortgage interest rate discount that may be the perfect fit.
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Posted on December 10, 2014 by Melissa

Citibank Offering HELOC with 2.99% Introductory APR for 12 months and No Closing Costs

citi logoFor homeowners, acquiring a home equity line of credit can be a lifesaver. Whether it is to finance a renovation or upgrade inside the home, to have a lower cost option for a major purchase outside the home, or to consolidate higher interest debt, a home equity line of credit can be used as an alternative to fund life’s expenses. In the low interest rate market we are currently in, a number of financial institutions are offering their customers unbeatable options for home equity lines of credit, including a notable promotion from Citibank.
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Posted on December 8, 2014 by Melissa

First Capital Bank of Kentucky Offering 3.375% Mortgage Loan with No Closing Costs

First Capital Bank of Kentucky logoIn today’s low interest rate market, the dream of purchasing a home can quickly become a reality. The potential for refinancing a current mortgage can also be an option for current homeowners, as the possibility of drastically reducing the total cost of carrying a mortgage balance is more enticing than ever. However, shopping out current mortgage rates, options for repayment terms as well as the cost for closing on a new purchase or refinance can be overwhelming. A number of banks and credit unions are currently offering their customers attractive options for both purchases and refinances, including the First Capital Bank of Kentucky.
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Posted on December 5, 2014 by Melissa

PenFed Defender Visa Signature Credit Card: 8.99% APR and 1.5% Cash Back

Pentagon Federal Credit Union logoFinding the perfect credit card that fits your specific needs can be a challenge in the current banking environment. Each offer comes with a wide variety of user benefits in the form of points for purchases or cash back, as well as a range of fees for balance transfers, annual maintenance charges and of course, interest rates. Selecting a credit card that has the unique features that are best suited for you takes time and research, but for those who bank with Pentagon Federal, the choice may not be such a challenge.
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Posted on December 3, 2014 by Melissa

Cyber Monday 2014: History, Economics, and Predictions

Cyber Monday spelled on laptop with coffee on deskWhile Black Friday is a distinctly American phenomenon, Cyber Monday is a worldwide event. It takes place on the Monday following Black Friday. It’s also a much newer informal holiday, dating back to 2005 instead of the late 1800s. The term was originally coined in an effort to promote online shopping over the mad dash at brick-and-mortar stores. Since its creation, Cyber Monday continues to grow by roughly 20 percent every year.
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Posted on December 1, 2014 by Ronda

The Economics of Black Friday

Black Friday gift signHistorians aren’t certain of the origins of Black Friday. Their best guess is that the Santa Parades in the late 1800s contributed to today’s shopping frenzy. From 1887 continuing into 2014, department stores like Macy’s held Christmas parades to encourage potential customers to visit their stores. These parades were typically held the day after Thanksgiving. Eventually, more stores held parades and even more dropped their prices to attract holiday shoppers. This practice was likely the beginning of Black Friday.
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Posted on November 28, 2014 by Ronda

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:14.92%
    Low Interest Rate:10.37%
    Balance Transfer:12.73%
    Business:12.85%
    Student:13.14%
    Reward:14.90%
    Cash Back:14.94%
    Airline:15.52%
    Bad Credit:22.73%
    Instant Approval:23.33%
  • Mortgage Rates

    Courtesy of erate.com