Financial Information & Education
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.
While many are still regrouping from holiday spending, now is actually a great time to start planning your budget for the next holiday season.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
Credit card balance transfer offers allow you to move debt from one credit card to a another, often at special rates and terms that last for a limited-time. There are several points to consider before you accept a balance transfer offer.
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).
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.