{"id":6442,"date":"2023-08-18T18:53:54","date_gmt":"2023-08-18T18:53:54","guid":{"rendered":"https:\/\/www.vfcu.net\/?p=6442"},"modified":"2023-09-19T16:59:04","modified_gmt":"2023-09-19T16:59:04","slug":"building-good-credit-with-our-credit-union","status":"publish","type":"post","link":"https:\/\/www.vfcu.net\/es\/building-good-credit-with-our-credit-union\/","title":{"rendered":"Building Good Credit with Our Harlingen Credit Union"},"content":{"rendered":"<p class=\"p1\"><span class=\"s1\"><a href=\"https:\/\/www.vfcu.net\/loans\/\">Building good credit<\/a><\/span>\u00a0through a credit union can be a powerful financial move. Credit unions often offer lower interest rates, reduced fees, and personalized services than traditional banks. By responsibly managing credit union accounts, borrowers can establish a positive credit history, leading to improved credit scores and greater financial opportunities.<\/p>\n<p class=\"p3\">We want to share a few more ways it pays to have a more secure and prosperous financial future.<\/p>\n<h2 class=\"p4\">Significant Savings<\/h2>\n<p class=\"p1\">Although loans can be challenging to pay off, having great credit can help reduce your interest rates, helping you save plenty of money. Loan or credit providers usually trust borrowers who have good credit and will be willing to offer you the best in loans and services.<\/p>\n<p class=\"p3\">VFCU offers low and fixed interest rates regardless of your credit score.\u00a0<a href=\"https:\/\/www.financial-net.com\/valleyfcu\/lending\/InternetLoans\" target=\"_blank\" rel=\"noopener\"><span class=\"s1\">Apply online<\/span><\/a>\u00a0and see what you can receive.<\/p>\n<h2 class=\"p4\">Access Affordable Credit Cards<\/h2>\n<p class=\"p1\">The higher your credit score, the more likely you will receive a better loan rate. We offer affordable\u00a0<a href=\"https:\/\/www.vfcu.net\/cards\/credit-cards\/\"><span class=\"s1\">credit card<\/span><\/a> rates and multiple options to start building good credit. Check out our:<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Platinum Card starts at 9.95%<\/li>\n<li class=\"li1\">Gold Card begins at 12.95%<\/li>\n<li class=\"li1\">Classic Card begins at 17.95%<\/li>\n<\/ul>\n<p class=\"p3\">Did you know that we offer fixed rates, no annual fees, and no cash advance fees? Apply online now!<\/p>\n<h2 class=\"p4\">Insurance discounts<\/h2>\n<p class=\"p3\">Although insurance companies never turn down an offer for a person with little to no credit, having a high credit score can help you qualify for lower insurance premiums. This will come in handy for health and car insurance costs.<\/p>\n<h2 class=\"p4\">More Housing Options<\/h2>\n<p class=\"p3\">When finding a home, sellers usually look for a person with fair or reasonable credit scores to gain potential buyers to determine their financial trustworthiness. A high credit score will improve your chances of getting that home or even renting out that dream apartment you\u2019ve always wanted.<\/p>\n<h2 class=\"p4\">Security Deposit<\/h2>\n<p class=\"p3\">Some Harlingen banks may want to request a credit report before approving you for bank services. At VFCU, we make services, like security deposit boxes, easy to get. Choose a size at our\u00a0<a href=\"https:\/\/www.vfcu.net\/safe-deposit-boxes\/\"><span class=\"s1\">Harlingen credit union location.<\/span><\/a><\/p>\n<h2 class=\"p4\">How to Improve My Credit Score?<\/h2>\n<p class=\"p1\">Attaining your credit score is simple and fast with just a call or click away! Some numbers you can look into are as follows:<\/p>\n<p class=\"p1\">\u25cf Exceptional &#8211; 800 and above<\/p>\n<p class=\"p1\">\u25cf Very Good &#8211; 740 to 799<\/p>\n<p class=\"p1\">\u25cf Good &#8211; 670 to 739<\/p>\n<p class=\"p1\">\u25cf Poor &#8211; 579 and below<\/p>\n<p class=\"p1\">Improving your credit takes a lot of work and dedication, and a few ways you can do so is by:<\/p>\n<p class=\"p1\">\u25cf Monitor your credit history.<\/p>\n<p class=\"p1\">\u25cf Shorten the number of accounts.<\/p>\n<p class=\"p1\">\u25cf Keeping your oldest credit accounts open.<\/p>\n<p class=\"p1\">\u25cf Making smaller but multiple payments per month.<\/p>\n<h2 class=\"p4\">Get a FREE Credit Score and Start Building Good Credit<\/h2>\n<p class=\"p1\">Get your FREE credit score when you download the VFCU\u00a0<a href=\"https:\/\/www.vfcu.net\/savings-and-checking\/benefits-of-using-your-mobile-app\/\"><span class=\"s1\">Mobile Banking<\/span><\/a>\u00a0App.\u00a0<span class=\"s1\">Contact<\/span>\u00a0any VFCU location if you need help. The app also allows you to get access to:<\/p>\n<ul class=\"ul1\">\n<li class=\"li6\"><span class=\"s3\"><a href=\"https:\/\/www.vfcu.net\/zelle\/\"><span class=\"s4\">Zelle<\/span><\/a><\/span><span class=\"s5\">\u00a0<\/span><\/li>\n<li class=\"li1\">Apple Pay<\/li>\n<li class=\"li6\"><span class=\"s3\"><a href=\"https:\/\/www.uchooserewards.com\/members\/home.php?sid=40XXdKrlo40&amp;popup=t\" target=\"_blank\" rel=\"noopener\"><span class=\"s4\">UChoose Rewards<\/span><\/a><\/span><\/li>\n<li class=\"li1\">Mobile Check Deposit<\/li>\n<li class=\"li1\">Online Banking and Bill Pay<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Building good credit\u00a0through a credit union can be a powerful financial move. Credit unions often offer lower interest rates, reduced fees, and personalized services than traditional banks. By responsibly managing credit union accounts, borrowers can establish a positive credit history, leading to improved credit scores and greater financial opportunities. We want to share a few [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6476,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[61],"tags":[81,131],"class_list":["post-6442","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mobile-money-app","tag-harlingen-credit-union","tag-mobile-banking"],"_links":{"self":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/6442","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/comments?post=6442"}],"version-history":[{"count":0,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/posts\/6442\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media\/6476"}],"wp:attachment":[{"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/media?parent=6442"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/categories?post=6442"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vfcu.net\/es\/wp-json\/wp\/v2\/tags?post=6442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}