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For most people, buying a home is the most significant financial transaction of their lifetime. Therefore, if you’re in the market for a new home, it’s best to learn all you can about home loans and how they work before you get too deep into the process.
Here are some things you may not know about home loans:
Read MoreWho needs a budget anyway? If you’re always wondering how you’ll pay the next bill, feel guilty when you indulge in overpriced treats, and can’t find money to put into savings, you probably need a budget. A budget is not a magic potion that will automatically solve your money problems but it will help you gain financial awareness. That, in turn, will help facilitate more responsible decisions.
Read MoreIndividual Americans spend hundreds of dollars a year and at least as many hours on keeping themselves physically fit — but too many people neglect their financial health. Just like physical health, being financially fit is crucial to your well-being, future, and quality of life.
Here’s why being financially fit is important and how to overcome common barriers to achieving financial wellness.
Read MoreBuying a home can be a daunting task. The challenges of being a first-time homeowner can be intimidating, particularly for people who are moving away from home. Let’s look at a few guidelines to help take some of the stress out of the decision.
Read MoreCongratulations! You’ve reached the 12th and final step of the 12 steps to financial wellness. In this step, we’ll review each of the previous steps and adjust this part of your financial health as necessary.
Read MoreWith your retirement funds up and running, you’re ready to give your money its best chance at growth through your choice of investment options.
Read MoreNow that you’ve learned how to indulge responsibly and are mindful of your credit score, it’s time to start planning for retirement. This is true no matter your stage of life.
Read MoreYour credit score is a crucial part of your financial health. The three little numbers measure the capacity of your credit, the proficiency of your money management, and your fiscal responsibility. An excellent credit score can open the door to large loans with better interest rates, employment opportunities, and more. On the flip side, a poor credit score can be a strong impediment to building wealth, funding large purchases, and finding gainful employment.
Read MoreNow that you know how to spend mindfully, pay it forward, and regularly set aside money for savings, you’re ready to learn how to indulge in the occasional expensive treat–responsibly.
Read MoreThe new year is almost here. Are you ready?
Have you taken any steps to prepare for the financial realities of the coming year?
Here are some tips to get you started.
Read MoreNow that you’re managing your money well and you’ve even learned to share the gifts you’ve been given, it’s time to start perfecting the art of saving.
Read MoreNow that you’ve started paying down debt, you and your partner have tackled big money issues, and you’ve mastered the art of spending mindfully, you’re now ready to think beyond your own needs by learning how to pay it forward.
Read MoreCreating a budget and deciding to stick to it is easy; it’s carrying through on your plan that’s the hard part. For too many people, financial responsibility ends with having good intentions, and real-life gets in the way of all well-laid plans. The discrepancy between what they want and what they do is caused by their failure to spend mindfully. When every indulgence and impulse buy is just a swipe away, it can be super-challenging to rein in that spending instinct – but it is possible. Here’s how to learn the art of mindful spending.
Read MoreOn October 20, 2022, Members Choice Credit Union will join over 56,000 credit unions worldwide to celebrate International Credit Union (ICU) Day®. The theme of ICU Day 2022 is “Empower Your Financial Future with a Credit Union.”
Read MoreYou’ve tracked your spending, created a budget, worked on ridding yourself of debt, and are well on your way to a financially secure life. Now you’re ready for step four, in which you’ll have the money talk with your partner.
Read MoreFostering career growth within our local economy will keep our progress healthy and robust. Over the past four years, MCCU Connect has mentored over 20 adults and high school students, created over 30 new jobs through capstone projects, and most notably impacted each mentee for future growth personally and professionally.
Read MoreYou’ve tracked your spending, designed a budget for your monthly expenses, and you’re well to financial wellness. In this next step, you’ll create a plan for paying down your existing debt.
Read MoreNow that you’ve tracked your spending and kept a careful record of where your money goes over a month, you’re ready to move on to the next step of financial wellness: creating a budget.
Read MoreAre you ready to join us on a journey toward financial wellness?
Each month, Members Choice CU will focus on one step of a financial wellness journey. We’ll tackle the topic in detail and help you learn all you need to know about this step. Follow along, and at the end of the series, you’ll have mastered the tools for a life of financial wellness.
Tracking your spending is the first step toward greater financial awareness and, ultimately, toward financial health.
Read MoreMembers Choice Credit Union is expanding its member experience solution for credit union members with the rollout of Instant Debit Card Issuance. Available immediately the service is part of the credit union’s ongoing commitment to creating connected solutions that deepen member engagement through modern experiences.
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