Category Archives: Lending
Is Now the Time to Get a Home Equity Loan?
Updated for Summer 2026 What Exactly is a Home Equity Loan? Every single home is worth some amount of money. We might call that its market value. That market value is reflective of a number of different factors, but the single biggest is generally the comparable sales in the area. An appraiser, when assessing the… (read more)
Payday Loan Risks – Read This First
It often starts with a moment of panic: a bill you didn’t plan for and not enough money to cover it before payday. In that stress, payday loans can feel like a lifeline—fast, simple, and there when you need it. But payday loan risks can be substantial. Before you move forward, it helps to understand… (read more)
Posted In: Lending
Credit Score Range – Higher Score Benefits
High Score Benefits Where do you fall on the credit score range? Closely managing your credit score is important, especially since consumers are reporting access to credit is harder to achieve right now. Your credit score is one of the key factors that lenders, like credit unions, use to approve a mortgage, auto loan, and… (read more)
Posted In: Lending, Lending, Tips For Managing Finances
Credit Score Changes: Your 2026 Playbook
If you have been hearing that about credit score changes, you are not imagining it. 2026 is shaping up to be a transition year for how lenders evaluate borrowers, especially for mortgages. Fortunately, most of the habits that help your credit stay healthy are not changing. The following guidebook from our financial wellness partners at… (read more)
Posted In: FFCCU News and Info, Lending, Lending
Why You Should Consider Refinancing Your Car Loan
Car payments can be a real nightmare – refinancing your auto loan can help. If you need to save money, free up cash for an emergency expense, or have sudden drop in income – lowering your monthly auto loan payment can help you tap into the extra funds you need. If your credit score has… (read more)
What Can a Home Equity Loan Be Used For?
If you hear about “home equity loans” and have no idea what that even is – you aren’t alone! Though a very common financial option that opens up a world of possibilities to borrowers, these kinds of loans aren’t always explained in schools. Plenty of high school students wander into adulthood with no idea what… (read more)
Posted In: Lending
Motorcycle Shopping Checklist: Ride Confidently into Your First Purchase
Buying your first motorcycle is a thrilling milestone, but it’s also a serious financial and lifestyle commitment. Whether you’re eyeing a sleek sport bike or a cruiser for weekend rides, following a smart motorcycle shopping checklist can help you ride off with confidence—and no regrets. Having gone through the process myself, there’s a few tips… (read more)
Posted In: Lending
Commercial Loans in Northeast Ohio
Offering commercial loans is yet another way credit unions like FFCCU can serve their memberships. As member-owned not-for-profit institutions, the mission of all credit unions is to serve their memberships’ financial needs – allowing savers to earn a good return on their deposits, and offering borrowers credit at reasonable rates. And while most members rely… (read more)
Posted In: Lending
5 Reasons a Holiday Loan May be Right for You
Some financial institutions offer loans specifically intended to help borrowers cover holiday expenses. Between gifts, meals, travel, decorations, and more, the holidays can be a stressful and expensive time. Depending on your circumstances, it can sometimes help to take a small loan, typically to be repaid in a year or less. How can you know… (read more)
First Time Car Buyer Guide
As a first-time car buyer, you might expect an overwhelming experience ahead of you. Between getting a loan, picking the right car, and negotiating price, there’s a lot to juggle. Consider this guide before you hit the gas on grabbing the wheel of your first ride. Should You Be a First Time Car Buyer?… (read more)
Posted In: auto loans, Lending
