Your credit score is one of the most important factors that lenders take into account when deciding your interest rate. The difference between having a good credit score (700 and above) and a bad one (629 and below) is how you treat your finances. Avoid the missteps below to increase your score for a less... read more
For first-time homebuyers, nothing can be as daunting as the thought of where to start. A considerable amount of time needs to be set aside to research, read and become educated on the real estate market. There might still be a couple of things you’ll look back on and wish to have done differently, but... read more
While the value of money isn't taught in early school levels, there are many things that can be done throughout a youngster’s educational period to improve their personal finances when they become adults. It’s always ideal to learn from other people’s financial mistakes, but figuring things out on their own can be tough. Follow the... read more
In case you aren’t aware, tax season ends on April 18th. While the deadline is still a few weeks away, we highly recommend using the time that’s left to get ready to hopefully get a little something back once it’s all over. We know that preparing for tax season can be daunting and time-consuming, but... read more
With automakers needing to move vehicles and government and automaker incentives flooding the market, you’ve entered the perfect time to start shopping for your dream car. While buying a used certified car would most likely get you the most bang for your buck, with so many available incentives, new cars could be just as good... read more
The New Year represents many things to everyone: a clean slate, a chance to wash away the mistakes of the previous year and starting new. Sadly, many New Year’s resolutions end up in failure because they’re excessively hard to accomplish, especially when it comes to changing the way we spend our money. If you really... read more
When shopping at retail and grocery stores, we tend to have an idea or list of what we’ll be purchasing. But when planning to purchase something more expensive, like a car, for example, comes into play, a longer, thought-out plan needs to be enforced. At Valley Federal Credit Union, we’ve put together seven tips to... read more
One of the best ways to resolve financial matters in a pinch is through a personal loan. Whether you want to boost your finances when you’re short on cash or need to pay off debt and consolidate it for one payment, a personal loan can really help. Read on for some helpful tips if you're... read more
If there is one perk for shopping online during the holidays, it’s avoiding the long lines and crowded aisles of big retailers. Shopping online lets you dash through your shopping list with just a few clicks here and there. Before you type in your debit or credit card number, though, keep in mind that there... read more
In our last post, we discussed money habits that can hurt your finances. We hope our tips didn’t scare you too much because we have a few more below. Don’t fret, these tips aren’t meant to send chills down your spine. If anything, they’re just tidbits of advice from us to help you save and... read more
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