Certificates of deposit (CDs), like all savings accounts, come with pros and cons. If you’ve read our previous article about CD basics, you know that a certificate of deposit can give you access to a higher interest rate … at the cost of limited access to your money. If that sounds like too high of […]
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Everyone knows that saving money is important, but not everyone knows how to save money. Budgeting isn’t all about tracking expenses in an Excel sheet (thankfully); an optimized budgeting strategy includes low-risk savings options — in other words, getting your money to work for you. If you’ve heard the term certificate of deposit (CD) get […]
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Knowledge isn’t just power anymore — it’s security. As cyberattacks grow in both number and subtlety, so should your cybersecurity know-how. That’s where Idaho Central Credit Union comes in. We’re here to show you how to tell the good guys and bad guys apart so you can browse with peace of mind. Up first is […]
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Did you know that two of every three Americans use the same password for several important accounts? Worse yet, one in every two Americans had their internet accounts breached in 2021 alone. Eva Vasquez, President and CEO of the Identity Theft Resource Center, recently said, “Too many people find themselves between criminals and the organizations […]
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In many ways, the world’s progress has never been better. Every year we make strides in civics, technology, information, and nameless other realms. We truly have more resources at our fingertips than ever before. Some use those resources for good. Others … not so much. Don’t let others’ misuse affect your life. Scammers might be […]
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As awareness of life insurance grows, so does misinformation. We’re here to help you tell the difference between the two. In this article, we’ll shed light on the facts and help you make informed decisions about this crucial safeguard. Let’s separate fiction from reality and ensure you have the knowledge needed to protect your loved […]
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If we all lived in a vacuum-sealed world where our minds and emotions didn’t affect our finances, saving money and lowering debt would be a whole lot easier. No bad days to trigger junk food binges, no impulsive vacations, and no mid-life-crisis shopping sprees. But our minds and emotions do impact finances, even for the […]
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In one way or another, we’re all chasing the American Dream. Not the white picket fence per se, but the sense of security that comes with it. You know, the relief of paying your bills on time. The pride that comes with covering your kids’ tuition. The satisfaction of owning a home you love. That’s […]
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When faced with an important decision, which route do you usually take: the tried-and-true option or the one off the beaten path? Believe it or not, your answer might affect your homebuying strategy, particularly when choosing a mortgage. Fixed-rate mortgages are time-tested and traditional, while adjustable-rate mortgages (ARMs) offer more flexibility and potentially lower rates. […]
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A HELOC isn’t exactly your run-of-the-mill traditional loan … and yet it’s arguably one of the most powerful. Here's a peek at the most popular ways HELOCs are used, plus the best tactics to follow (and worst mistakes to avoid).
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