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Freedom First Credit Union Membership Has Its Perks

It may seem like joining a credit union is the same as opening an account at a bank, but that’s not true. The biggest difference between a bank and a credit union is profits. Banks focus on building profits for their investors, while not-for-profit credit unions invest that money in you. Here are a few perks you get as a credit union member with Freedom First.


Freedom First Credit Union The Truth About 0% Auto Loans

Buying a new car is exciting. All the way up until talking price with the dealer. This is where confusion sets in, and excitement quickly turns into frustration. You think you’re getting a good deal, but are you?

One of the most misleading promotions you find at dealerships is the 0% APR offer. Paying no interest sounds great. You could save a bundle of money. So how can it not be the best decision? Let’s have a look comparing the 0% APR offer vs. a Cash Back Offer.


Freedom First Credit Union What Not To Do With Your IRS Tax Refund

When you receive your tax refund, learning how to spend it wisely is your best bet. But you should also learn some of the ways you shouldn't be using it. Below, we've provided you with ideas on how to use your IRS tax refund and some ways you should avoid.


Freedom First Credit Union Ensure Your Goals with Quarterly Financial Check-Ups

You probably have some type of financial goal you’re looking to achieve. It may be a short-term goal to raise money for a family vacation or a long-term goal of saving a bit from each paycheck to place into a retirement account. In order to reach your goals and prevent them from simply becoming a wish requires you to work at them constantly.

While it’s common to review your finances annually with your financial advisor or on your own, this may prove to be a financial mistake. Too much can happen during the year to completely derail your financial plans, especially with unexpected expenses that always seem to pop up.


Freedom First Credit Union How Do I Give Myself an End-of-Year Financial Review?

Q: With 2020 drawing to a close, I’d love to give myself an end-of-year financial review before it goes.  Where do I begin?

A: Giving yourself an end-of-year financial review is a wonderful way to check on the progress you’ve made toward your goals, highlight areas needing improvement and update your accounts, funds and investments. Here’s all you need to know about this important end-of-year ritual.


Freedom First Credit Union Tracking Holiday Spending Keeps Seasonal Stress Down

Nothing is more heartwarming than seeing your loved ones’ faces light up when they open that perfect gift you gave them.

The holidays will look different this year due to the COVID-19 pandemic, which is why most people will try even harder to make the season brighter for others. But, you don’t have to dip into your kid’s college savings to create a special time for everyone!

The most important thing to remember is to plan ahead: Have a set spending amount for gifts, wrap, entertaining, donations and travel.


Freedom First Credit Union Your Complete Guide to Using Your Credit Cards

Q: I’d love to improve my credit score, but I can’t get ahead of my monthly payments. I also find that my spending gets out of control when I’m paying with plastic. How do I use my credit cards responsibly?

A: Using your credit cards responsibly is a great way to boost your credit score and your financial wellness. Unfortunately, though, credit card issuers make it challenging to stay ahead of monthly payments and easy to fall into debt with credit card purchases. No worries, though; Freedom First is here to help!

Here’s all you need to know about responsible credit card usage.


Freedom First Credit Union What's the Best Way to Tackle Debt?

Debt can destroy a budget, make long-term financial planning impossible, and shadow every purchase you make with guilt. No one wants to live with that debt burden. But how do you kiss your debt goodbye?

Crawling out from under this mountain won’t be easy, but if you’re ready to realign your priorities and do what it takes, you can shake off debt no matter how large.

Let’s take a look at two popular approaches for paying down debt and explore the pros and cons of each.


Freedom First Credit Union All You Need to Know About Student Loan Relief During COVID-19

With unemployment levels rising and many employers cutting work hours, lots of college grads are now struggling to meet their student loan payments. Thankfully, the federal government has passed legislation to ease this burden. Unfortunately, though, many borrowers are confused about the terms and conditions of these changes.

Here’s all you need to know about the changes to student loan debt during the Coronavirus pandemic.


Freedom First Credit Union What Should I Do With My Money If I Recently Lost My Job?

This article was originally written on June 1, 2020.

Steve Devlin, Senior Financial Consultant with Freedom First Wealth Management, and Jason Fletcher, Financial Consultant with Freedom First Wealth Management, share their thoughts on what to do with your finances if you recently lost your job.


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