Recent Articles

Webster Bank offering .50% Home Loan Discount and Other Military Benefits

Webster Bank logoIn honor of Veteran’s Day earlier in November, a number of financial institutions are doing their part to recognize and reward service members, both past and present. From extra credit card perks to discounts on fees or interest rates, some banks have made waves in offering our most deserving population notable deals. One of those offers comes directly from Webster Bank through its recently announced Military Banking Program.
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Posted on November 26, 2014 by Melissa

USE CU offering 1.99% Auto Loan up to 72 Months

USE Credit Union logoPurchasing a new or used car can be an exciting time, but it can also be a bit overwhelming. In addition to finding the right car, truck or SUV, finding the right financing is just as important. Most car dealers will offer in-house financing to buyers, but these deals can, at times, be more costly than going directly through your own bank or credit union. In order to ensure the most cost effective, suitable financing is received, it is important for buyers to shop around.
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Posted on November 24, 2014 by Melissa

Protecting Your Credit During the Holidays

Woman holding cash and credit cardIn 2013, American shoppers said they expected to spend an average of $800 on Christmas gifts. This number was down from previous years due to a struggling economy, according to the American Research Group. However, retailers are optimistic about 2014, especially with the sudden dip in gas prices and relatively high employment rate. Unfortunately, consumers can send themselves into a spending frenzy, oblivious to the damage they’re doing to their credit score. Around February, there is a 25% spike in the number of people who seek credit counseling, a telltale sign of consumers with regrets.
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Posted on November 21, 2014 by Ronda

USE CU offering 5/1 ARM with No Closing Costs

USE Credit Union logoThe costs associated with purchasing or refinancing a home can be tremendous, but a number of financial institutions offer promotional deals to help customers and members cut costs. Whether you are seeking a lower interest rate and more affordable payments, or a more flexible mortgage option that offers up front savings, it is important to shop around for mortgage products that are best suited for your specific situation. USE Credit Union, located primarily in California, is offering its members a promotional deal on an adjustable rate mortgage that those eligible should not overlook.
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Posted on November 19, 2014 by Melissa

Take Advantage of Holiday Rewards from Your Credit Card

Girl holiday shopping with credit cardThe holiday season is a struggle between credit card companies and their customers. Your job is to resist the ever-present temptation to spend more than you can afford, while taking advantage of holiday incentives. If you’re unfamiliar with Capital One, Discover, and American Express’s annual Christmas offers, now is a good time to learn about them.
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Posted on November 17, 2014 by Ronda

5 Highest Payday Loan Rates by State

Payday Loans lit up on neon green arrowWhen you are in need of cash for unexpected life expenses, a payday loan can seem like an attractive option. However, these types of micro-lending products should be used with extreme caution, as the financing costs can be exorbitant and the terms can become complex quickly. If you are considering taking out a payday loan for unexpected bills, there are a number of aspects that should be taken into account before proceeding. The most important is the interest rate associated with borrowing through a payday lender.
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Posted on November 14, 2014 by Melissa

First Niagara Bank offering HELOC with 2.74% Introductory APR for 6 Months

First Niagara Bank logoHome equity lines of credit can be a viable option for financing major purchases for homeowners, including home renovations or additions, a family vacation, or consolidation of debt. HELOCs can be beneficial for those seeking a lower cost of financing, as the interest rates charged on this type of credit line can be substantially lower than traditional consumer loan products or credit cards.
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Posted on November 12, 2014 by Melissa

Top 3 Secured Credit Cards to Rebuild Credit

Three secured credit cardsHaving good credit is something most responsible people strive to achieve. Good credit opens doors to purchase a vehicle, home, or even a business. For those who have damaged credit or are just starting out with credit, a secured credit card can be a great option.
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Posted on November 10, 2014 by Ronda

How To Build Credit With No Credit History

no creditThe good news about having no credit is that you don’t have bad credit. Even better, you have the potential to build great credit, which is easier to do with no credit than damaged credit. That being said, it still takes time and careful planning. […more]

Posted on November 5, 2014 by Ronda

Apple Pay: Everything You Want to Know

Apply Pay website on iPhoneSince its launch in late October, there has been quite a buzz surrounding Apple’s latest addition to the market – a mobile pay service for consumers known as Apple Pay. Similar to Google Wallet, the new service offered by the smart phone powerhouse allows users to simply tap their device at a participating retailer’s payment reader and viola! Payment is made, no credit card or cash needed. Without any intricate details of the payment process, most users are quickly able to grasp the concept; however, some questions remain for those who use the pay application, including how payment is transmitted, the level of security on the data shared, and what, if anything, Apple plans to do with the intimate financial information that fuels the successful use of the service. Let’s begin with how Apple Pay actually works.
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Posted on November 3, 2014 by Melissa

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:14.98%
    Low Interest Rate:10.37%
    Balance Transfer:12.73%
    Business:12.85%
    Student:13.14%
    Reward:14.93%
    Cash Back:14.94%
    Airline:15.46%
    Bad Credit:22.73%
    Instant Approval:23.33%
  • Mortgage Rates

    Courtesy of erate.com