Recent Articles

Pacific NW Federal CU offering Mortgage Loan with No Closing Costs

Pacific NW Federal Credit Union LogoSaving for closing costs above and beyond a down payment for a new home can be a challenge for homebuyers, whether they are purchasing their first home or refinancing a current residence. Fortunately, there are a number of promotional programs available to homebuyers that can assist with reducing these costs, ultimately making the home buying process much less expensive.
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Posted by Melissa H. on Wed, 29th October, 2014

How Renting Affects Your Credit Score

Pen and key on rental agreementThe average rent in the United States is more than $900 per month or $10,800 annually. Even the cheapest cities to rent in cost more than $500 per unit on average. Despite this massive financial burden, most landlords don’t regularly report on-time rental payments to credit bureaus. Currently, it’s common to report only late payments. Because of this, renting does nothing for an individual’s credit report until they come upon hard times and pay late. It doesn’t matter if someone rented for an entire decade before paying late once; as it stands, it’s not surprising to find that such a scenario results in a dinged credit report with no positive reports at all.
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Posted by Ronda on Mon, 27th October, 2014

Utilities Employees CU Offering up to $750 off Mortgage Loan Closing Costs

Utilities Employees Credit Union LogoBuying a home may be part of the coveted American dream, but coming up with the traditional 20% down payment in addition to hefty closing costs can mean foregoing the idea of purchasing a home for an extended period of time. Fortunately, there are a number of banks and credit unions offering both first-time and seasoned home buyers assistance in an effort to reduce the financial burden that closing costs can present.
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Posted by Melissa H. on Fri, 24th October, 2014

First Citizens Bank Offering HELOC with 2.49% Introductory APR for 12 Months

First Citizens Bank LogoIt can be difficult to come up with the necessary – and affordable – financing for major expenses, either within the home, including room renovations, additions, or upgraded appliances, or other life expenses like a family vacation, education expenses, or consolidation of higher interest debt. A number of homeowners turn to the equity they have earned in their primary residence to fund these costs through a bank or credit union home equity line of credit. This product can be more flexible than traditional consumer loan financing and can be much less expensive as it relates to interest charged on outstanding balances.
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Posted by Wes on Wed, 22nd October, 2014

University of Wisconsin CU Offering $500 off Mortgage Loan Closing Costs

University of Wisconsin Credit Union LogoComing up with a down payment and closing costs for a home purchase can deter individuals and families from making the important financial decision to buy a house, but there are more and more methods to come to the settlement table with less cash out of pocket. Both banks and credits unions offer customers a wide variety of less than traditional down payment options, as well as assistance with closing costs to help with the burden of upfront fees associated with the home buying process. One of those financial institutions is the University of Wisconsin Credit Union.
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Posted by Melissa H. on Mon, 20th October, 2014

Regions Bank Introduces First-Time Buyers Mortgage with No Closing Costs

regions-bank-logoPurchasing your first home can be as exciting as it is nerve wracking. In addition to the time it takes to search for the perfect house, prospective homeowners must also do ample research on their financing options. Selecting the bank and mortgage that fits your specific budget and meets the needs of your family for the long term should be at the top of the priority list during the home buying process. Regions’ Bank has launched a first-time homebuyers program that is meant to achieve each of those objectives, while keeping money in the customer’s pocket, too.
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Posted by Melissa H. on Fri, 17th October, 2014

Regions Bank Offering HELOC with 1.99% Introductory APR for 12 Months

regions-bank-logoFor homeowners, utilizing a home equity line of credit can provide the necessary financing for major home improvement projects, a family vacation, high interest debt consolidation, or even overdraft protection. Regions Bank is currently offering a home equity line of credit to its current customers through its Equity EssentiaLine– with a promotional introductory APR of 1.99% for the first twelve months.
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Posted by Melissa H. on Wed, 15th October, 2014

Boulder Valley Credit Union Offering 2 Mortgage Loan Specials

Boulder Valley CU LogoBoulder Valley Credit Union, a member-owned financial institution based in Boulder, Colorado, is offerings its members two mortgage loan promotions focused on attractive interest rates and low out of pocket costs required at closing.
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Posted by Melissa H. on Mon, 13th October, 2014

New Expedia+ Travel Credit Cards from Citi

Citi Expedia Plus travel rewards credit cards banner

Last month, Citi teamed up with the travel giant Expedia.com. They announced two new cards: Expedia+ and Expedia+ Voyager, both of which earn points toward Expedia purchases. Frequent travelers can save on their expenses, in addition to receiving $100 annual statement credits for airport incidentals. Cardholders can also access free room upgrades, although these are subject to availability and not supported by all hotels in the Expedia network.

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Posted by Ronda on Thu, 9th October, 2014

MidSouth Bank Offering Unsecured Personal Loan Rate as Low as 5.78%

MidSouth Bank LogoConsumers searching for an affordable way to consolidate high interest rate credit card debt, complete a project around the house, or finance a major purchase may consider using an unsecured personal loan offered by a local bank or credit union. The interest rates as well as repayment terms can vary greatly across both banks and credit unions, but there are some special offers on the market today that are worth a second look. One of those offers comes directly from MidSouth Bank, currently advertising its 7k Your Way loan.

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Posted by Melissa H. on Mon, 6th October, 2014

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  • Credit Card Rates

    Card TypeAverage APR
    National Average:15.09%
    Low Interest Rate:10.37%
    Balance Transfer:12.82%
    Business:12.85%
    Student:13.24%
    Cash Back:14.98%
    Reward:15.07%
    Airline:15.46%
    Bad Credit:22.73%
    Instant Approval:28.00%
  • Mortgage Rates

    Courtesy of erate.com