FFCCU Blog

Money Management: Your Guide to Getting a Fresh Start in the New Year

Ah, the new year: time to toss that stale fruitcake and begin anew on that resolution to lose 20 pounds. It’s also the perfect time to review your personal finances and money management goals. We’re here to help you reach those goals, whether they are to spend less, create an emergency savings fund, or something else…. (read more)

12 First-Time Homebuyer Tips You Need to Know for a Smooth Process (Infographic)

When you’re ready to purchase your first home, the process can seem both exciting and a bit overwhelming. You may know what you’re looking for regarding the number of bedrooms and baths, but that’s only one small part of the homebuying journey. Financing your purchase and understanding the responsibilities that come along with homeownership are… (read more)

How to Get Your Credit Back on Track

“How do I get my credit back on track?” According to data from the second quarter of 2019 from Experian, the average FICO® Score* in the U.S. is 703, which is considered “good” by most lenders. If your credit was damaged in the past because of divorce, missed payments, or bankruptcy, but you’ve taken steps… (read more)

How to Protect Yourself from Scamming and Fraud

Gotcha! If you shop online, keep one eye on your shopping cart because the holidays bring out false shipping notifications, payment fraud, and other scams. Because of scamming and fraud, identity theft protection has increased over the years. Being scammed isn’t fun. And when fraud is committed, it can wreak havoc on your life and… (read more)

Buying a New Home in the New Year? Use This Home Buying Checklist

Are you buying a new home in the new year? Whether you’re a first-time homebuyer or already own a home and need a smaller or larger space, it’s a good idea to be prepared. After all, interest rates fluctuate from year-to-year, properties increase with value, new home developments seem to be everywhere, and much more…. (read more)

Holiday Tips: Get the Top Four Ways to Cut Costs

While the excitement of the holidays and gift-giving season can be a magical time for children, you may face many additional expenses during the last two months of the year. Whether its gifts, food, decorations, the perfect outfit for that holiday party, or airfare to visit family – there’s no denying the holidays can put… (read more)

Autumn: A Scary-Good Time to Buy a Home

Ah, fall. The season of changing leaves, apple cider, and pumpkin spice everything. But certainly not the time to buy a home, right? Wrong. Research shows that in the last few months of the year can be a great time for home buyers to purchase a new home. Here’s why: Less Competition We’ve gotten past… (read more)

Do you know the credit union difference?

Did you know there’s an International Credit Union Day? There is! Annually, the third Thursday of October celebrates how credit unions across the nation help members reach their financial dreams through a “member first” philosophy. But why celebrate this? Because credit unions ARE different. And members have a stake in what happens, as part owners…. (read more)

How to Choose the Right Credit Card for You

Choosing the best credit card for your lifestyle can have a considerable impact on your overall financial health. In an Ohio Credit Union League 2018 consumer survey, 73 percent of respondents stated they use at least one or two credit cards every month. Of those who regularly utilized credit cards, 39 percent carried up to… (read more)

3 Tips When Shopping For A Used Car

Buying a new car is a big deal. There’s a lot to think about: financing, gas mileage, warranty, number of passengers it can fit, and so on. But things get even more complicated when, instead of a new car, it’s a used car you’re shopping for. Going the used car route can be tricky, but… (read more)