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Latest Articles and Promotions

Americans’ Credit Scores Are Improving

5 star credit score on chalk boardDespite all of the economic troubles across the globe, the United States continues to steam ahead. With all of this chaos, global investors are now using the US as an investment safe haven from global financial volatility. Almost all other major economic regions of the globe – namely China, Japan and Europe – are facing subdued growth, struggling corporate sectors and skyrocketing debt and loan defaults. The one outlier in this trend is the United States. Less than a decade after the crippling subprime mortgage crisis, it appears that Americans have learned their lesson. And now Americans are benefiting from it.

Posted on July 28, 2016 by Ryan

First Citizens Bank offering 1.99% Introductory APR on HELOC for 12 Months

First Citizens Bank LogoA home equity line of credit can be a smart tool in personal financial management for well qualified homeowners. Having the ability to access accumulated equity in a property in an affordable, relatively simple way makes funding life’s major expenses easier than other lending outlets. Paying for a family vacation or a child’s college tuition, renovating a home or consolidating high interest rate credit card debt can all be done with the funds available through a home equity line of credit.

Posted on July 25, 2016 by Melissa

Build an Emergency Fund or Pay Off Debt First?

Emergency savings fun umbrellaBuilding an emergency fund and paying down your debt are two of the most important financial practices we all need to learn. The benefits of both are long-lasting and can play an enormous role in your future earning potential and overall financial stability. But which one is more important?

Posted on July 21, 2016 by Ryan

Honda FCU Celebrating 50 Years with HUGE Sweepstakes

Honda Federal Credit Union logoEvery now and again, financial institutions offer promotions on products and services to entice new or reengage current customers, such as interest rate discounts, waived processing or closing fees, or cash incentives for new product applications. While these promotions are a great way to cash in on banking or credit union relationships for the customers or members, special offers not specifically tied to products or services are a welcome surprise. Currently, Honda Federal Credit Union is offering its members a chance to win a slew of cash and prizes.

Posted on July 18, 2016 by Melissa

Costco Changed Its Payment System: What Does this Mean for You?

Costco Wholesale logoUS retailer giant Costco recently made a massive change to its payment system. Since 1999, Costco only accepted American Express credit cards. But just recently, the company made a major policy change and now only accepts Visa credit cards. This transition is huge for the millions of Americans who shop at Costco and it is being debated by shoppers and analysts alike. But why did Costco make this change, what are the impacts and what does it mean for you?

Posted on July 14, 2016 by Ryan

Associated Bank: $500 Closing Cost Discount on Purchase, Construction and Refinance Loans

Associated Bank logoThere are a number of ways prospective or current homeowners can reduce the financial burden of buying or owning a home. While some focus on reducing the amount of down payment needed for a new home purchase, others chip away dollars by reducing total out of pocket expenses when closing on a home purchase of refinance transaction. For the latter, assistance with closing costs can be a substantial help in securing the mortgage for a new home or refinancing a current residence. To entice homeowners, some financial institutions are offering just that.

Posted on July 11, 2016 by Melissa

Your Favorite Credit Card Benefits May Not Exist Tomorrow

Green credit card with Benefits written on itOne of the main reasons we use credit cards is because of the benefits that come with them. Most credits cards offer some form of rewards program that incentivizes spending in exchange for gifts, flights or discounts. Cash back deals are one of the most common of these programs, whereby spenders can receive a small percentage of their balance back at the end of a certain period. Another common program is the various frequent flyer and miles deals, for people who wants to earn points towards airline tickets for every purchase they make.

Posted on July 8, 2016 by Ryan

Arvest Bank offering 3.50% APR on Home Equity Line of Credit

Arvest Bank logoAs home prices rise, homeowners have an opportunity to gain access to equity built up in their property through a home equity line of credit (HELOC). Utilizing a credit line backed by home value can be an affordable way to finance a wide range of life’s common expenses: college funding for children, consolidating higher interest rate debt, home additions or renovations, or a dream family vacation. Home equity lines of credit differ in terms of total cost and availability from various financial institutions, making it necessary to do a bit of research prior to selecting the right product.

Posted on July 5, 2016 by Melissa

Be Careful of This New Trend in Online Lending

Consumer filling out loan application onlineThere’s a new trend emerging in online lending that you will want to pay attention to and avoid. The rise of the financial technology sector has brought with it exciting new startups and financial services. Many people are flocking to online lenders to help with debt issues and financing, as we’ve discussed before. Peer-2-peer loans tend to offer lower interest rates and more flexibility to people who are struggling financially. As credit card debt has surged over the past few years, Americans went looking for alternative sources of financing.

Posted on June 29, 2016 by Ryan

AnchorBank (WI) offering $500 off Easy-One Construction Loan Closing Costs

AnchorBank logoThe U.S. Census Bureau reports that 1,172,000 housing starts, or new residential construction projects, began in April 2016, a rise from the previous month’s 1,099,000. With a growing population and a revitalized housing market, it is no surprise that new construction is on the rise. However, finding the right financing for a new home can present challenges above and beyond what may come with securing a mortgage for an already built, already lived in home. For prospective homeowners searching for a new construction loan, AnchorBank, an affiliate of Old National Bank, may have a smart solution.

Posted on June 27, 2016 by Melissa

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.18%
    Low Interest Rate:11.98%
    Balance Transfer:14.38%
    Cash Back:15.32%
    Instant Approval:18.04%
    Bad Credit:22.56%
  • Mortgage Rates

    Courtesy of erate.com