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Credit unions are lending and deposit-taking institutions similar to banks but owned and operated by their members. Unlike traditional banks, which are profit-driven and owned by shareholders, credit unions' main goal is to serve their members' financial needs and improve the local community. This member-focused approach translates into better rates, lower fees, and personalized service.

So, what do credit unions do? They provide a wide range of financial services, including loans, checking and savings accounts, and financial coaching. These services support credit union members in managing their finances and achieving their financial goals. By offering more competitive rates than banks (National Credit Union Administration, 2024) and flexible terms, credit unions make it easier for members to borrow money, save for the future, and manage their day-to-day finances.

In today's interconnected world, it's not uncommon for friends to come from different financial backgrounds or have varying income levels. While these differences can enrich our relationships with diverse perspectives, they can also present challenges when it comes to planning activities or splitting expenses. In this article, we'll explore practical strategies for navigating finances among friends, ensuring that everyone feels included and respected regardless of their financial situation.

Buying a home, especially if you have never done it before, can seem like an uphill battle due to the many intricacies involved. As a first-time home buyer in Colorado, you might have many questions. Affordability may be one of the issues on your mind. Luckily, there are programs to ease your home ownership burden, first-time home buyer mortgages being one. This article explains what they are and the eligibility requirements you should meet to qualify.

Are you looking to maximize your savings with a secure investment? Certificates of Deposit (CDs) are a reliable way to grow your funds with minimal risk. In this guide, we'll explore certificate of deposit rates in Colorado and how to find the best CD rates today. We'll delve into why choosing a credit union can be beneficial, how to compare CD rates near you, and the steps to get started.

Football, friends, and food are a winning trio, but without a game plan, the bill can tackle your wallet before the first snap. This guide turns tips for creating a budget-friendly game day party into an action-packed playbook so you can savor every touchdown without fumbling your finances.

Now that you’re in your 60s, you’re likely just a few years away from retirement, which means transitioning to a new lifestyle where you don’t have to work. But you shouldn’t leave your retirement planning on default until the big day arrives. You should continue to monitor your finances in the years leading up to retirement to ensure all your hard work pays off in your golden years. You may have to adjust your lifestyle if you plan on making less money in retirement. It can also mean adjusting your investment portfolio to maximize your earnings and minimize your losses. Use these financial planning tips for 60-year-olds to make the most of all the savings you’ve accrued over your working years.

Retirement. You’ve spent all your life preparing, dreaming and working towards that day when you get to trade your morning commute for a cruise to the Bahamas or grab a set of golf clubs on your way out the door instead of your briefcase. Whatever your ideal retirement looks like, they should all have a few things in common: Relaxing, fulfilling, secure, etc. But what you shouldn’t have to do is worry about money or pick up extra work out of necessity or financial hardships. To help make sure that your retirement years are some of the best of your life, take these three steps towards financial wellness.

For many Americans, homeownership is one of many significant life events, and for a good reason. It offers financial security, stability, and the freedom to customize your living space.

While there are many emotional benefits of owning a home, like having a yard for your kids to play or a private space to wind down, there are also financial and practical benefits. Historically, owning a home has been a source of long-term financial security. Home prices appreciate over the long term, and owners can borrow against their home equity. Of course, it also comes with responsibilities such as maintenance and upkeep. However, the benefits outweigh these responsibilities. In this article, we will outline 10 benefits of home ownership.

One of the most consequential financial decisions you will make in your lifetime is purchasing your home. In Colorado's unique housing market, using a home loan calculator in Colorado can provide invaluable insights. Read on for effective best practices in using these calculators to get accurate results.

Are you a current or aspiring entrepreneur? Now is a great time to start a business or continue investing in your existing business. With any business venture, you will need to manage any earnings you make from your business and your personal finances. Starting a business can be challenging at first but immensely rewarding over time. Investing is also an important part of being a business owner. Check out these personal finance tips for entrepreneurs to make the most of every dollar you earn.

Imagine this: A few years ago, you took out a Home Equity Line of Credit to fund a significant home renovation. Fast forward to today, and you find yourself juggling higher interest rates with steadily climbing payments. Or you may be nearing the end of your draw period and must start repaying both principal and interest.

In these scenarios, you’re not alone. Many homeowners face similar challenges as they reach the end of their HELOC draw period or struggle with fluctuating interest rates. So, what is a HELOC, and can you refinance it? If so, how does the process work? Let’s dive into the details.