Personal Finance

DFCU Beam Signing

DFCU Staff had the opportunity to put their own mark on our new building! In June staff members were able to sign their name on the final steel beam. This was a fun time for staff to mingle and see the progress on the new operations center.

Save on Auto and Home Loans!

Get a good start on Summer with a new home or auto! Then start making many new memories with your friends and family!

What is a Credit Card?

The word “credit” can generate a lot of emotions. Some people carry a negative connotation with the term, or think credit means debt and irresponsibility; but credit, when used with providence, can be a very good thing. Though buying a car and home may not be in your immediate plans, your financial choices today affect… Read more »

How to Get out of Debt in the New Year

A brand new year often inspires positive life changes such as breaking free of debt. If collections calls have been interrupting your dinner or you’re just stressed out from heavy-duty debt, here’s how to eliminate the burden. Determine where you stand In order to solve a problem, you need to fully understand it. Assess your… Read more »

6 Ways to Save More Money in the New Year!

Even if saving has never been your thing and money is tight, the coming of a new year is an opportunity to change old financial habits. Here are some ways to become a more efficient saver. 1. Budget Budgeting helps you organize your finances so you have money left over to save each month. It… Read more »

5 Financial Resolutions for the New Year

A brand new year provides the perfect opportunity to make meaningful life changes, including improved financial wellness. These five financial resolutions can help get your year off to a promising start. 1. Get on budget Take charge of your finances by creating a budget. Start by calculating after-tax income and subtracting fixed monthly expenses. Then… Read more »

Best Ways to Start Saving for the Holidays

“Christmas in July” is the name of a movie in which a man called Jimmy is tricked into believing he’s won $25,000 in a national radio contest. (It’s from 1940, but the point remains.) He promptly goes out and blows his winnings on a shopping spree. When the truth comes out that Jimmy didn’t win,… Read more »

4 Reasons to Buy a Home Instead of Renting

The financial benefits of buying a home compared with renting have yoyoed over the years, especially of late. If you’re sitting on the fence, here are four circumstances in which it may be a better bet to buy. If interest rates remain low From a financing perspective, if this isn’t the best time to buy… Read more »

Is Fall the Best Time to Buy a House?

Sometimes it’s smarter to buy certain items according to the season, like sweaters near the end of  winter and swimsuits in late summer. But what’s the best season for buying a house? The answer: the fall. As temperatures cool and trees shed their leaves, enough factors break in the buyer’s favor to make it the No. 1 season for… Read more »

How Debit Card Fraud Happens — and How to Avoid It

For many people, debit cards are the perfect plastic. They offer most of the conveniences of credit cards with no risk of accumulating debt. But like credit cards, debit cards are vulnerable to rip-off artists. And debit card fraud is particularly scary because thieves can withdraw money directly from your checking account. Here’s how debit… Read more »