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Explore financial education articles, money management tips, homebuying guidance, fraud prevention resources, and more from Floridacentral Credit Union. Get practical information to help you make informed financial decisions at every stage of life.
Q: I’m in the market for a new set of wheels, and I’ve seen some dealers advertising zero-percent financing. Should I take this offer? A: An auto loan without any interest sounds like a dream; however, there are many considerations before deciding to take out a zero-percent financing loan. Let’s take a closer look at the true […]
Your credit score is made up of three numbers, serving as an indicator of your financial history, wellness and responsibility. These three little numbers can spell the difference between approval and rejection for a mortgage, a job, a rental unit and so much more. We have outlined how your credit score is calculated, why it […]
Q: I’m in the market for a new home, and everyone I talk to, from friends to financial advisors, suggest I get preapproved for a mortgage before I start house hunting. Why is this so important? A: You’re actually on the receiving end of great advice. When looking to take out a large loan, whether it’s for […]
As soon as the calendar hits Jan. 2, the gyms are packed with people who are eager to make good on their New Year’s resolutions. If you’re one of the thousands of newbies making your way to fitness centers this month, beware of these five subtle scams that can end up thinning your wallet more […]
‘Tis the season to be merry-except sometimes, it’s not. While the entertainment industry would have us think the holidays are always full of good cheer, lots of laughs and warm feelings, the reality can, unfortunately, be otherwise. Sometimes, all that frenzied consumerism, party-hopping and crazy schedules can bring out the worst in the people we […]
While spring and summer tend to see the highest volume of home sales, it doesn’t mean they’re the only time to buy a house. Let’s take a closer look at some of the myths and lesser-known facts about timing the purchase of a home and explore the pros and cons of buying during the holidays. […]
Someone’s been naughty this year-and we’re not talking about you! Those awful scammers don’t take time off for the holidays, and if you don’t know what to expect you can be their next victim. One of the oldest holiday scams, which is even more prevalent in the age of the internet, is the letter-from-Santa scam. […]
Here at floridacentral Credit Union, we hate to see your money go to waste, so we’ve put together a list of misleading advertising schemes you may come across when hunting for deals this Black Friday. Be an informed consumer and shop smartly! 1. Very limited quantities That $200-off supersized TV screen on the front page […]
Thanksgiving prep stressing you out? Wondering how you’re going to get everything done in time for the big day and stick to your budget at the same time? We’re here to help! Whether you’re travelling home for the holiday or hosting a houseful of guests, we’ve got you covered. floridacentral Credit Union is proud to […]
Bills are a lot like bad weather. They’re going to come anyway, so you might as well not try to fix them, right? For some bills, that’s the case. For others, though, you can make a big difference in your monthly budget with a little legwork. One of the bills you can change is your […]
Carrying a credit card can protect you. In addition to being accepted in more places, credit cards have fraud liability protection built into them. You’re only liable for a portion of the total loss. Depending on your credit card, you might not be liable for any of the fraudulent activity on your account. Compare that […]
There’s lots of talk in the world of personal finance about how to best manage a savings account. You might read up on financial experts who recommend keeping three to six months’ worth of living expenses in your savings account, or maybe you’ve seen a tip about socking away enough money to cover larger expenses. […]