FFCCU Blog
Credit Card or Debit Card?
In 2025, consumers used cash for only about 14% of all payment transactions. With more and more Americans utilizing credit and debit cards for payments – both in plastic form and through payment apps – it’s important to understand the difference between the two and which payment method is right for you. This defining article… (read more)
Posted In: Guest Blog, Lending, Lending, Saving
You Have the Power! What is a HELOC
Understanding a HELOC For Ohio homeowners, a Home Equity Line of Credit (HELOC) can provide a flexible way to borrow funds for major expenses without taking out a traditional loan. While commonly used for home improvement projects, HELOCs can be used for a variety of expenses, including education expenses, unexpected medical bills, or to launch… (read more)
Posted In: Guest Blog, Lending, Lending
Ohio Unclaimed Funds
Unclaimed Funds have been in the news in northeast Ohio quite a bit over the last few months, but what are they? Financial institutions, including credit unions, and other businesses are required to send the funds from accounts that have not had any account holder activity or from uncashed cashier’s checks to the state of… (read more)
Posted In: FFCCU News and Info, FFCCU Services
FFCCU in the Community: Food Strong
What is Food Strong? Food Strong is a Northeast Ohio organization dedicated to fostering food justice and establishing enduring, sustainable, local food systems. Their goal is to empower under-resourced neighborhoods with the expertise and resources to become thriving, self-sustaining communities. Food Strong doesn’t just sweep in to provide support, but to work with communities to… (read more)
Posted In: Local Events
Benefits of a Credit Union Credit Card
Benefits of a Credit Union Credit Card While more and more Americans rely on credit cards as their primary method of payment, not all credit cards are created equal. With credit card rates skyrocketing in recent years, you need to be discerning about what card you choose. Securing a credit union credit card can help… (read more)
Posted In: Lending
What is a Trump Account? About the New Federal Children’s Savings Account
Towards the end of 2025 we started hearing about the early workings of a corporate-sponsored, federal savings account geared for children under the age of 18. So is that really going to happen? What exactly is a “Trump Account” and why does it sound so much like the 529 Plans we’re accustomed to? Is it… (read more)
Posted In: Saving
Credit Union Guide to Applying for an Auto Loan
While there’s nothing quite like that new car smell, the car-buying process can often stink if you don’t have the tools and resources you need to get the best option when applying for an auto loan. If it’s your first time getting a car loan, you might be confused about where to even start. Add… (read more)
Posted In: auto loans
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)
Co Op Credit Unions: What’s the Deal with Shared Branching?
You CAN Take Us With You If you travel for work you may need access to your FFCCU accounts. And if you can’t find a surcharge-free ATM, you may end up paying fees (and no one likes to do pay fees to get to their own money!) Shared Branching between co op credit unions gives… (read more)
Posted In: Checking, FFCCU Services
Steer Clear: Car Buying Traps
It’s a hard time to be in the market for a car, but for some of us it’s unavoidable. The post tax-time season is historically one of the busiest times for auto sales and financing, driven largely by shoppers using tax refunds for down payments. That surge in activity and desperation around inflation and outrageous… (read more)
Posted In: Uncategorized
