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Banca en línea - Usuario

2021

Categorías de artículos

The Essential Guide to Car Loans: Everything You Need to Know
julio 28, 2022 by Space Coast Credit Union
This is the ultimate guide to auto financing to help you get the best car loan at the best rate. Plus, we sprinkle in helpful tips about refinancing, GAP insurance, and more.
Hurricane Preparation Checklist
julio 13, 2022 by Space Coast Credit Union
It's always a good idea to prepare for a hurricane before it's even on the radar. Here's a checklist to help you get started.
Construction Loans in Florida: Everything You Need to Know
abril 22, 2022 by Space Coast Credit Union
This construction loan guide is to help you understand everything you need to know about how construction loans in Florida work and how these unique instruments can benefit you during construction.
60-month vs 72-month Auto Loan Comparison (+ the Pros and Cons of Each)
enero 14, 2022 by Space Coast Credit Union
If you feel like you’ve come to a fork in the road while deciding between a 60- or 72-month auto loan, you’ve come to the right place. We're covering the pros and cons of both in this post to help you make a final decision.
The Beginner's Guide to a Good Credit Score (& How to Get One)
enero 7, 2022 by Space Coast Credit Union
When you want to borrow money—perhaps for a mortgage or a car loan—or to get approved for a credit card, lenders typically require a decent credit score. But, what is a good credit score, and how can you make sure you have one?
No Closing Costs Mortgages vs. Other Home Loan Options
diciembre 29, 2021 by Space Coast Credit Union
If you’ve been thinking about applying for a home loan or refinancing, but you’re unsure you can afford closing costs and a down payment, a no closing costs mortgage may be right for you.
Visa® Platinum Benefits: A Guide to Receiving Credit Card Rewards
diciembre 21, 2021 by Space Coast Credit Union
Today, strategically selecting whether or not to use a credit card and which one to use can be part of savvy financial management. We're taking a look at why the Visa® Platinum credit card at SCCU may be the one for you.
10 Creative Ways to Save Money in 2022
diciembre 10, 2021 by Space Coast Credit Union
Saving money can be challenging. But after the holiday season, it’s often a top New Year’s resolution. From joining special savings accounts to making some daily item switches, we’ve rounded up 10 ways that could save you thousands of dollars a year! 
We ReMember—70 Years of Member Service
diciembre 7, 2021 by Space Coast Credit Union
This past year, we commemorated our 70th anniversary with a focus on kindness, giving away over $30,000 to our members and communities throughout our service area along Florida's east coast.
Is it Hard to Get a Construction Loan? Your Questions Answered
diciembre 1, 2021 by Space Coast Credit Union
You may have lots of questions when it comes to getting a construction loan, and we’d like to help lessen your stress. With some knowledge under your belt, you’ll be well on your way to breaking ground.
Is it a Good Idea to Refinance Your Car Loan?
noviembre 18, 2021 by Space Coast Credit Union
In many cases, people save more money in the long run after refinancing and end up with a better monthly auto loan payment. However, many other factors play a part in determining if it’s a good idea to refinance your car loan.
Holiday Shopping with Credit Cards Do’s and Don’ts
noviembre 12, 2021 by Space Coast Credit Union
The holiday season often brings with it a cup of cheer and a shopping cart full of gifts for the ones you love. Credit cards make holiday shopping fast, easy, and convenient. And the best part? Earning points for rewards! However, they can also have some pitfalls. Here are our top do’s and don’ts to keep in mind while holiday shopping with credit cards. 
30-year Fixed-rate vs. 15-year Fixed-rate (+ How to Decide Between the Two)
noviembre 4, 2021 by Space Coast Credit Union
Today in the ring: 30-year fixed-rate mortgage vs. 15-year fixed-rate mortgage. In this article, we’re going to cover the pros and cons of each mortgage term to help you make a more informed decision. And along the way, we’ll provide some helpful tips to keep in mind.
Tips for Applying for a Used Car Loan
octubre 26, 2021 by Space Coast Credit Union
Buying a used car offers a variety of benefits from saving more money to stressing less about depreciation. Nowadays, you can get a detailed history of the used car, so you have a better idea of what you’re buying. Plus, more information is available online about the reliability of a car’s make and model. While some may find used car financing to be daunting, more and more lenders make it easier than ever. Once you’ve decided to purchase a used car, here are seven steps you can take to streamline the process and help you get the best deal.
How to Protect Your Digital Home
octubre 19, 2021 by Space Coast Credit Union
It’s a haunting notion to think about the chilling consequences of identity theft, yet with the holidays around the corner, it’s important to protect your digital home. With the spikes in online shopping and email activity this time of year, scammers make more attempts to capture financial information. But with a dash of caution and a sprinkle of reviewing settings, you can fortify your defenses against cybersecurity threats.  
HELOC Loan vs. Cash-Out Refinancing: Everything You Need to Know
octubre 12, 2021 by Space Coast Credit Union
Whether you’re looking to transform your home renovation dreams into reality, plant seeds for investments, or cover unforeseen expenses, you have a variety of options when it comes to how you can tap into your wellspring of home equity. But which option is best for you? In this article, we’ll explore the pros and cons of HELOC loans vs cash-out refinancing.
The Florida Financing Guide to New and Used Boat Loans
octubre 5, 2021 by Space Coast Credit Union
If you dream of enjoying the Florida waterways in a sailboat, powerboat, motorboat, cabin cruiser, or other boat type of choice, here’s what you should know about financing and the boat loan process. Fortunately, the purchase process is easier than you might think. We’ll take you through the entire process to help you find the best boat loan for you. 
What are Secured Credit Cards?
septiembre 28, 2021 by Space Coast Credit Union
Maybe you’ve run into the following paradox: How do I get a credit card with less-than-perfect credit (or no credit) if I need a credit card to build my credit? You’re in luck because secured credit cards break this cycle!
7 Savvy Skills Teens Gain from a Student Checking Account
septiembre 21, 2021 by Carmen Tapanes
While teens can watch hundreds of videos on the Internet about finances, experience is often the best teacher when it comes to managing money. But it can feel overwhelming for them to know where to start learning the fiscal ropes. Opening a checking account gives them a learner’s permit to handling financial matters with the peace of mind of having an adult as the co-owner. 
How to Choose the Best Free Checking Account
septiembre 14, 2021 by Space Coast Credit Union
When searching for the right checking account, most people would prefer one that’s “free” — and rightly so. But it can be hard to know what exactly “free” means today when we know that fees and terms are often the name of the game. The reality is that financial institutions will define "free" in different ways.
How to Refinance a Car (+ When to Do It)
septiembre 2, 2021 by Space Coast Credit Union
Refinancing a car involves replacing the current loan on your vehicle with a new loan that typically has more agreeable terms. This can take place with your current lender or with a different one. To help you navigate this process, we’re sharing the pros and cons of refinancing a vehicle, the steps involved in refinancing, and when it makes sense to do so.
The Ultimate Guide to FHA Loans
agosto 27, 2021 by Space Coast Credit Union
Home loans are the key to turning a house you love into a home that belongs to you. As you’re exploring your options, you may stumble across FHA loans and wonder what they entail and if one’s right for you. FHA loans have many different benefits and are targeted at helping both new home buyers achieve the dream of home ownership and those looking to refinance. 
Is it better to buy a used or new car?
agosto 20, 2021 by Jodie Kinley-Smith & Duane Daski
We’re in a strange economic time right now with many dealers having an extreme shortage of inventory due to a chip shortage. Chips, or semiconductors, play an essential role in managing vehicles’ safety devices, engine functions, and more. Because of the pandemic, U.S. automakers had to close factories to slow the spread of the virus and cancelled chip orders, expecting fewer people to buy. 
Hummingbird Pantry Wins $5,000 in “Small Business. Big Love. Contest
agosto 20, 2021 by SCCU's Business Services
Space Coast Credit Union (SCCU) is pleased to announce the winner of its “Small Business. Big Love. Contest" and the grand prize of $5,000. Hummingbird Pantry, a non-profit organization and SCCU member since 2017, won the contest with more than 11% of the votes cast.
How Mortgage Refinancing Works (+The Best Time to Do It)
agosto 12, 2021 by Space Coast Credit Union
Refinancing your mortgage can help you save money with a lower interest rate and get you to the home ownership finish line faster than your current one. Or, it could be a good way for you to cash out on some of your home’s equity for other projects. To determine if it’s the right path for your goals, it’s best to understand how mortgage refinancing works more in depth.
What are Common Car Loan Terms?
agosto 5, 2021 by Space Coast Credit Union
Do you feel like your brain’s dissolving into Jell-O as you’re exploring car loan repayment periods? It can feel overwhelming as you’re weighing the pros and cons between short-term and long-term loans. Common car loan terms usually range between 24 and 84 months—but which one is right for you?
5 Top Tips to Getting the Best HELOC Rates
julio 29, 2021 by Space Coast Credit Union
Whether you’re getting your feet wet or diving in the world of loans, a HELOC is often a prime choice for borrowers. And the crown molding on top? You can often get a lower interest rate with a HELOC than with other types of loans and credit cards! See our 5 top tips to getting the best HELOC rates...
Choosing the Best Credit Card to Fit Your Needs (+ Where to Get It)
julio 23, 2021 by Space Coast Credit Union
Credit cards can be an excellent tool for building credit when you’re financing purchases both big and small. Most credit cards today deliver some form of benefit with membership—accumulating points, cash back, airline miles, or other deals, consumers have a wealth of choices.
How to Prevent Identity Theft While Traveling
julio 15, 2021 by Space Coast Credit Union
Traveling involves a lot of planning to have a memorable time with loved ones. The last thing you want is a fraudster ruining your vacation. These tips will help you prevent identity theft before, during, and after your vacation.
How Does a Home Equity Line of Credit Work? A Guide to HELOC Loans
julio 9, 2021 by Space Coast Credit Union
Most people have heard of a Home Equity Line of Credit (HELOC), but you may not be as familiar with how they work. In today’s deep dive, we’re going to explore all the ins and outs of this fantastic loan vehicle for homeowners to get the cash they need to do repairs, renovations, and more—all based on the equity they already have in their home.
FHA Loans: What to Know Before You Apply
julio 7, 2021 by Space Coast Credit Union
It’s not always easy to save up for the large down payments that some types of mortgages require. The good news? There are other loan options that can help you reach your homeownership goals.
Car Loans Tips & Tricks
mayo 21, 2021 by Space Coast Credit Union
Discover four car loan tips and tricks to help navigate the car buying experience. These are important whether you’re buying new or used vehicles.
5 Tips for Safeguarding Your Personal Info
mayo 6, 2021 by Space Coast Credit Union
SCCU’s Member’s Watchdog is a symbol of our commitment to protect our members and their financial interests. 
How to Prepare Kids for a Better Financial Future
abril 28, 2021 by Space Coast Credit Union
April is National Credit Union Youth Month, encouraging kids to develop healthy saving habits. Here are some ideas to help you get started!
Five Tips to Building Your Dream Home
abril 1, 2021 by Space Coast Credit Union
Here are 5 tips to building your dream home, from creating a prioritized list of wants and needs to choosing the best lender for your home construction loan.
How to Make Your Loan Payment
abril 1, 2021 by Space Coast Credit Union
SCCU’s loan payment process is designed to be as quick and convenient as possible, saving you two of the things you care about most – time and money.
Credit Education Month
marzo 10, 2021 by Michael Higgins
To celebrate Credit Education Month, we have answered common questions about credit scores and why they are so important.
How to Budget Your Funds to Cover Your Needs
febrero 17, 2021 by Space Coast Credit Union
The term budgeting may give you the same mental reflex as when you hear the word taxes; but instead, we should look at budgeting as a tool on our path to financial peace of mind.
Navigating the Home Loan Journey
febrero 10, 2021 by Space Coast Credit Union
Understanding today’s mortgage landscape will help you become a more informed decision maker and put you on the path to successfully reaching your goal — moving into your new home, or enjoying the spoils of your growing equity.
Financial Peace: Pay Your Dues & Your Debts + Restore Hope in 5 Simple Steps
febrero 3, 2021 by Space Coast Credit Union
Discover how to obtain financial peace in 5 simple steps. Learn how to pay off your debts the right way and educate yourself on how to live financially free.
The Definitive Guide to Achieving Financial Freedom
enero 29, 2021 by Space Coast Credit Union
This guide offers steps that you can put into practice immediately as you work towards financial freedom.
The Ultimate Guide to Mortgage Loans
enero 25, 2021 by Space Coast Credit Union
Learn the differences between fixed-rate, ARM and other mortgages in our guide to mortgage loans. Find out how to choose the lender that's right for you.