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Financial Information & Education

7 Ways to Maximize your Savings this Holiday Season

It is important to be well-prepared and have a plan when it comes to holiday shopping. With these seven tips, you’ll be better equipped to tackle the names on your gift list.

Are You Ready for Home Ownership? Important Points to Consider

Owning a home is a big responsibility, and it comes with its own set of distinct advantages and disadvantages. Here are just a few to keep in mind as you begin your homebuying journey.

The Importance of Protecting Your Privacy Online

Cybersecurity is about safeguarding your online presence, smart devices, and information in cyberspace, and keeping all of them out of the hands of the wrong people – and it starts with you. Here are a few tips about protecting your online and mobile security. 

Understanding the Benefits of an Auto Loan Pre-Approval

If you are just starting your vehicle search, getting pre-approved can give you a better idea of your spending limit, and may assist you in staying within that budget. What does the pre-approval process entail? We’re here to answer these questions.

DCCU's Commitment to Employee Wellness

DCCU celebrated National Wellness Month during August 2021 with a number of initiatives dedicated to the wellness of our employees. From Wellness Day fairs to complementary health screenings, we are committed to making a difference in the lives of our employees.

8 Ways to Save Money on Back-to-School Shopping

The return to school is inevitable, but it doesn’t need to be a burden. Here are 8 ways you may be able to save money this back-to-school season.

Buy-Now-Pay-Later Financing: What You Need to Know

Buy-now-pay-later (BNPL) apps and services are becoming increasingly popular payment options, due in part to the flexibility they offer. No matter your stance on these BNPL services, it’s important to know the potential risks prior to signing up.

Financial Questions to Consider Before Saying I Do

Sitting down with your future spouse now to discuss finances could help alleviate financial stress later on in your marriage. Answering these questions now may save you and your fiancé time and money in the months and years ahead.

Helping to Prevent Elder Financial Abuse

Many types of abuse exist, including neglect or isolation, physical abuse, emotional and psychological abuse, and financial exploitation. June 15 is World Elder Abuse Day and DuPont Community Credit Union (DCCU) is committed to battling this serious social issue, especially where financial exploitation is concerned. 

10 Ways to Take the Stress Out of Car Buying

Purchasing or refinancing a vehicle may be a big financial decision, but it doesn’t have to be stressful. DCCU is here to help alleviate some of your car buying anxieties. With these 10 tips, you’ll be ready to get behind the wheel of your next ride in no time.

What to Look For in a Balance Transfer Offer

If you carry multiple loan or credit card balances, a balance transfer credit card may be a good option for consolidating debt and simplifying your finances. It could also help you reduce debt more quickly by allowing you to focus on one payment instead of many. 

Hidden Costs of the Holidays

When it comes to planning your holiday budget, it’s important to remember that not all holiday costs are placed underneath the tree. Reviewing last year’s financial statements may show where you spent the most money to help you anticipate this year’s expenses. Be mindful of several hidden holiday costs that are often overlooked.

Don’t Let Groceries Eat Up Your Budget

Feeding your family may look a little different these days, but groceries don't have to break the bank. Here are a few tips that could help you save money at the grocery store. 

Managing Your Finances During Uncertain Times

When a crisis hits, it can be difficult to know what to do. Following these tips may help you to stay calm, even during the unexpected.

The Smart Approach to Paying for College: Free, Cheap, Gap

Navigating the financial aid process can be challenging, however, the Free/Cheap/Gap approach can help you figure out the most cost-effective way to pay for college.

The Pros and Cons of Refinancing an Auto Loan

One of the most common reasons consumers refinance their auto loan is to reduce the interest rate and payment. There are, however, other factors to consider when deciding whether refinancing your auto loan is best for you.

Get a Head Start on Holiday Saving

While many are still regrouping from holiday spending, now is actually a great time to start planning your budget for the next holiday season.

3 Advantages of Homeownership

Homeownership is likely one of the biggest financial decisions you will make in your life. Becoming a homeowner brings a lot of responsibility, but also offers several rewarding benefits.

Get Financially Fit For the New Year

Being financially fit helps you feel more confident that your financial situation can meet your current and long-term needs. Here are a few ideas that could help you become financially fit in the upcoming year.

3 Reasons to Get Preapproved for a Mortgage

Finding the right home is an exciting but daunting task. Here are 3 reasons you should consider getting preapproved before you begin looking for a home.

Tips for Smart Holiday Gift Giving

Gift giving can quickly become overwhelming if you don’t have a plan. Here are a few tips to help keep your holiday spending on track.

DCCU's Commitment to Financial Literacy

Improving your financial literacy is the first step in maximizing your future financial success. amd DCCU is committed to offering a variety of programs to help create a solid foundation for sound financial practices. See how we can support your financial literacy needs.

4 Ways to Make Your Scholarship Search More Effective

Many students look forward to the rewarding experience college provides. Preparing for the next step in their educational journey can be exciting, but figuring out how to pay for it can also be overwhelming. Here are four tips to help make your scholarship search more effective.

5 Ways to Winterize Your Home

Fall is a great time to prepare your home for winter. Performing a few preventative measures now can help you save on your energy bill and provide peace of mind when winter weather arrives in the coming months. Here are five easy and relatively inexpensive ways to prepare your home for winter.

Understanding Overdraft Protection

It’s easy to miss a scheduled payment or a transaction you didn’t account for. Now, you’re faced with non-sufficient funds (NSF) and overdraft fees. Overdraft Protection can help you avoid the fees associated with a transaction being declined.

3 Ways to Reduce Back to School Spending

Most children get excited about shopping for brand new clothes, shoes, and supplies before school starts each year, but back to school shopping doesn’t have to break the bank. Here are three ways to help prevent the financial stress of preparing to send your child back to school.

3 Reasons to Choose a Local Mortgage Lender

Buying a home is likely one of the largest purchases most people will make in their lifetime. Selecting the right mortgage lender involves more than just getting a good interest rate. You want to choose a lender that is accessible and has your best interest in mind.

5 Affordable Ways to Make the Most of Summer

As summer approaches, many families experience a similar dilemma: finding engaging activities that are also budget-friendly. Here are a few low-cost options that could help reduce the stress of creating a summer filled with fun.

Use Your DCCU Credit Card to Maximize Your Travel Experience

Whether you are getting ready to go on the adventure of a lifetime or traveling to visit family out of town, we want you to feel confident when you travel. Take advantage of the travel-related benefits and protection DCCU credit cards offer!

Community Matters to DCCU

DCCU has deep roots in the community and giving back has become an integral part of our culture. Our goal is to be a consistent supporter in the community and continue the DCCU tradition of giving back.

Boost Your Savings with a Certificate

A certificate is a savings account with a specified interest rate, a fixed maturity date, and term lengths that typically range from six months to five years. Most certificates offer interest rates that are higher than traditional savings and money market accounts. Upon maturity, the principal balance plus interest earned is available for withdrawal.

Shredding to Protect Your Identity

Identity theft can happen to anyone. It occurs when someone falsely uses your name and personal information to get a loan, open a credit card, or access your financial account(s). Shredding, the process of reducing documents to small, unreadable pieces, is an easy way to decrease the chances of your personal information being stolen and used for fraudulent activity.

Simplify Your Finances with a Balance Transfer

If you carry balances on several credit cards, a balance transfer credit card may be a good option for consolidating debt and simplifying your finances. It could also help you reduce debt more quickly by allowing you to focus on one payment instead of many.

Home Equity Can Provide Financial Flexibility

When it comes to borrowing money for the things you need, using the equity in your home is an often overlooked option that can help provide financial flexibility. Equity is the difference between the appraised value of your home and what you owe on your mortgage. When you take out a Home Equity Line of Credit (HELOC) or a Home Equity Loan, you are borrowing against that equity.

Car Buying Costs that are Often Overlooked

When it comes to buying a car, there is more to consider than just the sticker price and payment. As you begin your car-buying journey, it is important to be aware of these often overlooked costs.

Boost Your Home's Value

With warmer temperatures right around the corner, it’s a good time to start thinking about home improvement projects you could tackle this spring. A HELOC (Home Equity Line of Credit) is a cost-effective way to pay for some of the larger projects you have in mind. Here are five projects that you may want to use a HELOC for this spring.

DCCU Homebuyer’s Guide: The Path to Homeownership

A home is likely one of the largest purchases you will ever make. Whether you are an experienced homebuyer, or this is your first time, the DCCU Homebuyer’s Guide will help you navigate the process and answer questions that may arise along the way. After all, a little knowledge can go a long way with helping you understand what will be coming your way.

Prepare for the Unexpected with a Home Equity Line of Credit

In a perfect world, nothing in your home would ever break, malfunction, or wear out. However, if your roof leaks, basement floods, or furnace falters, a Home Equity Line of Credit (HELOC) may be a good option for covering the cost of repair or replacement.

Ways to Use Your Home's Equity

When it comes to utilizing the equity in your home, the most common use is home improvement projects, but there are also many other ways to use a Home Equity Loan or Line of Credit (HELOC).

The Benefits of Auto Loan Pre-Approval

Getting pre-approved before you start shopping for your next vehicle has many benefits. Not only does it help you secure the best interest rate possible, it also helps make sure you stay within your budget. In addition, it puts you in a stronger negotiating position at the dealership.

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