Education

What if you could lock in a great rate on an auto loan whether you wanted a shorter term or longer term? Good news, now you can! We’re offering great, low rates on auto financing for all terms, up to 84 months depending on your loan type. Regardless of a vehicle’s mileage, “New Auto” includes the most recent four model years.

Based on your lifestyle, different times of year may have different savings needs. Whether it’s the added expenses of summer vacations or winter holidays, or due to inconsistent income from weather-dependent work or seasonal employment – it’s important to find the budgeting tools and savings accounts that work for you. Here are some of our special savings accounts and tools to consider as you plan your unique calendar of financial needs.

Not all fraudsters are human. With recent advances in technology, many scams and attempts at fraud are enhanced or channeled through smart technology such as bots and artificial intelligence (AI) software. Protecting yourself generally looks the same, though, whether it’s a human scammer or AI. Here are common scams that utilize AI and a few preventative steps for protecting your accounts and personal information while you’re online.

We invite you to make the most of digital banking. As you log in, here are a couple of enhancements to consider: Document Center and Visionaries. Enjoy paperless services that are free, faster, greener, and more secure... Or become a beta tester! We’re allowing our newest software, which has already been tested by our own team, to be tested by our digital banking users who enroll as Visionaries.

Located conveniently in your Visions FCU Mobile app, Zelle® enables you to send and receive money with friends and family, even if they bank somewhere different than you. Follow these easy tips to use Zelle® safely: (1) Only send money to those you know and trust, (2) Beware of payment scams, (3) Treat Zelle® like cash.

Most children look to their parents or guardians for cash, but rarely ask about finances. Be sure to have important financial conversations with the young people in your household, whether that’s sitting at the dinner table or during a road trip. It’ll help to encourage a lifetime of financial wellness.

Although it may be challenging to maintain privacy on social media, taking sensible precautions can provide you with peace of mind. Here are steps you can take to protect your information.

What’s your next big savings goal? Whether it’s a trip to the mountains, a down payment for new home, or an extra month of emergency savings, it’s always a good idea to set a “SMART” savings plan to keep your budget on track. Every SMART approach should be: Specific, Measurable, Attainable, Relevant, and Time-Bound.

While a loan’s term, balance, and interest rate help to determine your monthly payments and how they break down, the loan’s amortization is another important consideration in this financial picture. By understanding amortization, you can improve your debt management strategy and reduce the amount of interest you’ll pay in the long run. Here’s how it works.

Most successful business owners tap into tech to save time, work smarter, and boost productivity. Don’t let paperwork and outdated processes hold you back. Use the following checklist to consider simple and cost-effective digital solutions to optimize your cash management and workflows.

Whether your business is just starting out or undergoing a change, it can be beneficial to understand the differences between various business structures. Here’s an outline to help you get started, including introductory definitions and financial considerations.

Much like personal credit applications, most financial institutions will review an organization’s business credit during the application process for a business loan. An organization has its own credit report based on an EIN (Employer Identification Number), which is reported and scored independently from personal credit scores.