Latest Articles and Promotions

What is Long-term Care Insurance?

Circular diagram of long-term careAs of the end of 2013, 44.7 million people were aged 65 or older, with an expectation of that number to more than double to 98 million by the year 2060, according to the Administration of Aging, an agency of the U.S. Department of Health and Human Services. As the population grows older, it is estimated that 70% of individuals will present a need for long-term care (LTC) services and ongoing support as they age.

Posted on October 8, 2015 by Melissa

US Bank offering 1.50% Introductory Rate on HELOC for 5 Months

U.S. Bank logoHomeownership comes with a variety of perks, including the ability to access the accrued equity in your house over time. A home equity line of credit is often a smart choice for taking advantage of your home’s built up value as the funds borrowed can be used for whatever you deem necessary. Whether it is a child’s college education expenses, consolidation of higher interest rate debt, a home renovation or other major purchase, a home equity line of credit allows for flexible borrowing and affordable repayment for homeowners, specifically when interest rates are low.

Posted on October 5, 2015 by Melissa

Getting a Mortgage Loan with a Low Credit Score

Couple applying for a mortgage loanFor several years the magic credit score for government-backed FHA loans was 640. However, in 2015, credit restrictions began to loosen and it is now possible to get approved for a mortgage loan with a score as low as 580. That’s great news for a lot of people, but if you’re thinking about purchasing a home with a lower credit score, here are some things to consider.

Posted on October 2, 2015 by Joyce

Wells Fargo offering $500 My Mortgage Gift℠ Award with Union Plus Mortgage Program

Wells Fargo bank logoSecuring financing for a home purchase is high on the priority list for many individuals and families in the current low interest rate market we are experiencing. With more affordable financing, buying a home is more in reach for a great number of borrowers based on a lower monthly mortgage payment. However, expenses associated with a down payment and closing costs can still be a deterrent to getting the home of your dreams. Fortunately, banks and credit unions have made the idea of purchasing a home and utilizing certain mortgage products more attractive by creating specialized mortgage programs that include closing cost assistance, waiver of primary mortgage insurance or cash incentives after closing.

Posted on September 24, 2015 by Melissa

First Niagara Bank offering 1.99% Introductory Rate on UltraFlex HELOC for 6 Months

First Niagara Bank logoAs interest rates remain low, homeowners have the opportunity to take advantage of affordable financing by accessing the equity built up in their homes over time. A home equity line of credit, or HELOC, is a flexible method to do just that, providing homeowners the ability to utilize low-interest rate cash for a myriad of life’s expenses. Home renovations, consolidation of high-interest rate debt, family vacations or college expenses can all be funded through a home equity line of credit with a low interest rate.

Posted on September 21, 2015 by Melissa

Wells Fargo offering .60% Discount on Savings Secured Line of Credit

Wells Fargo bank logoWhether funding is necessary for a new home purchase, an updated vehicle or simply as a cash-flow cushion, borrowing is a staple of most individual’s financial lives. When interest rates are relatively low, individuals are more apt to take advantage of lending from banks and credit unions because the cost of borrowing is more affordable than in high interest rate markets. To encourage lending and help banking customers take advantage of the low interest rate market, some financial institutions are offering special discounts to customers that make the total cost of borrowing that much more affordable.

Posted on September 15, 2015 by Melissa

Northwest Savings Bank offering 5 Year 2.75% Home Equity Loan

Northwest Savings Bank logoPurchasing a home, no matter the stage of life you are in, is a substantial achievement. It can be a daunting to get through the process of finding the perfect home and securing affordable financing, but once the task is done, homeowners reap a myriad of benefits. In addition to earning the right to call yourself a homeowner, the equity that is built up in your real asset over time can be used to finance some of life’s biggest expenses. A home equity loan can be utilized to fund family vacations, home renovations, the consolidation of high interest rate debt or other major expenses like college funding or medical bills. While not every home equity loan has the same terms or costs, there are a number of smart options for home equity loans for homeowners on the market today.

Posted on September 10, 2015 by Melissa

Bank of Oklahoma Offering 2.49% Introductory Rate on HELOC for 6 Months

Bank of Oklahoma logoFor homeowners, a home equity line of credit can be a life-saving financial tool. The ability to tap into the equity of your home provides an opportunity to get financing when it is needed most, and often, in an affordable, convenient way. A home equity line of credit can be used to consolidate higher interest rate credit card, renovate a space in your home, send the family on a once in a lifetime vacation, or help finance expenses associated with sending a child off to college. Regardless of your need for financing, a home equity line of credit – with an affordable interest rate and flexible repayment terms – can be a smart option for homeowners.

Posted on September 8, 2015 by Melissa

NASA FCU Offering $0 Down Family Mortgage Loan

NASA Federal Credit Union logoOwning a home is a dream for most young adults, but it can be a challenge to meet the stringent requirements set out by lenders that include hefty down payments, private mortgage insurance and closing costs. While some mortgage providers still follow conventional rules of thumb as it relates to the amount of money necessary to buy a home, other lenders have developed programs meant to ease the financial stress of getting into a new home. Combined with a low interest rate market, young adults without the traditional 20% down payment saved have an opportunity through these bank and credit union mortgage programs.

Posted on September 3, 2015 by Melissa

Golden 1 CU (CA) Offering 1% Cash Back Auto Refinance Loan

Golden 1 Credit Union logoWhen it comes to purchasing a vehicle, one of the most important aspects of the search is finding the right financing. While dealerships often provide incentives to use their in-house lender, acquiring an auto loan through your bank or credit union is typically a more affordable, flexible choice. Banks and credit unions that offer new and used vehicle financing also offer services for refinancing, which can be beneficial to owners who either accepted a dealer loan at the time of purchase or did not have exemplary credit when the vehicle was bought. Refinancing can be an excellent way to reduce your total interest payments, lower your monthly payment, or eliminate months off your current vehicle loan.

Posted on August 31, 2015 by Melissa

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.00%
    Low Interest Rate:11.62%
    Balance Transfer:14.12%
    Cash Back:15.27%
    Instant Approval:18.00%
    Bad Credit:22.73%
  • Mortgage Rates

    Courtesy of