Credit Unions vs. Banks: How to Decide

By |2022-09-29T15:11:57+00:00March 23rd, 2020|Banking Basics, SmartMoney Online|

Original Post By Devan Goldstein Nerdwallet If you’re choosing between credit unions and banks, look at key differences like profit models, interest rates and branch access to figure out which aspects are most important to you. Why choose a credit union? Typically has higher interest rates on deposits. Emphasis [...]

Certificate of Deposit: What is a CD?

By |2022-09-29T15:11:58+00:00March 23rd, 2020|Banking Basics, SmartMoney Online|

CDs can have higher rates than standard savings accounts, but your cash isn't as accessible. What is a CD? Definition: A certificate of deposit, or CD, is a type of federally insured savings account that has a fixed interest rate and fixed date of withdrawal, [...]

Understanding Your Credit Report

By |2022-09-29T15:11:58+00:00March 20th, 2020|Credit and Credit Reports, SmartMoney Online|

When you apply for a loan or a credit card, your credit score is one of the things a lender will consider in deciding whether to approve you and what rate you qualify for. Scores represent your financial history and range from 300 to 850. Having [...]

How to Protect Your Finances and Credit in Tough Times

By |2022-09-29T15:11:58+00:00March 20th, 2020|Articles, SmartMoney Resources|

ORIGINALLY PUBLISHED March 13, 2020 By Bev O'Shea, Nerd Wallet The quickly unfolding coronavirus outbreak is an extreme case, but any sort of hard times will test our personal finances. Many people are now facing reduced work hours and income while watching with [...]

Concerned About Coronavirus? How to Prepare Your House, Mind and Bank Account

By |2022-09-29T15:11:59+00:00March 19th, 2020|Articles, SmartMoney Resources|

ORIGINALLY PUBLISHED March 16, 2020By Courtney Jespersen, Nerd Wallet Coronavirus. It’s dominating the national conversation and changing the way we live and interact. And it’s leading to financial disruptions for individuals and companies alike. Coronavirus disease 2019 (abbreviated COVID-19) is a respiratory illness [...]

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