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Factors That Drive Your Car Insurance Rate
Factors That Drive Your Car Insurance Rate
Authored By: Genisys Credit Union on

Man driving a car

Car insurance often feels like a love-hate relationship. While you love that you, your family, and your vehicle are protected, no one enjoys paying costly insurance premiums. If your goal is to lower your policy price, it helps to understand how insurance companies determine your rate. 

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Factors That Drive Your Car Insurance Rate
Factors That Drive Your Car Insurance Rate
Authored By: Genisys Credit Union on

Man driving a car

Car insurance often feels like a love-hate relationship. While you love that you, your family, and your vehicle are protected, no one enjoys paying costly insurance premiums. If your goal is to lower your policy price, it helps to understand how insurance companies determine your rate. 

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End-of-Year Checklist for Business Owners
End-of-Year Checklist for Business Owners
Authored By: Genisys Credit Union on

Woman in her office

The fourth quarter is in full swing and will be over before you know it! This time of the year usually has people thinking about wrapping presents. However, for business owners, it’s prime for wrapping up any tasks you need to finish and preparing for the coming year. 

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Employment Scams: How to Identify Them & Stay Safe
Employment Scams: How to Identify Them & Stay Safe
Authored By: Genisys Credit Union on

As technology continues to grow and evolve, more and more of our lives are online. This trend also extends to our jobs, especially when it comes to searching for and applying for work. Unfortunately, this shift can lead to eager employment seekers becoming unknowingly targeted by scams.

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Understanding Insurance: A Quick Guide to Coverage Options
Understanding Insurance: A Quick Guide to Coverage Options
Authored By: Genisys Credit Union on

Insurance can be a tricky subject for many. It covers the “ifs” in life - What if my home is damaged? What if I’m in a car accident? What if my child gets sick? Because these scenarios have yet to happen, it can make people focus more on upfront insurance costs than the benefits available.

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Your Ultimate Car Maintenance Checklist
Your Ultimate Car Maintenance Checklist
Authored By: Genisys Credit Union on

Most people don’t think of their car as a financial investment. It’s a means of transportation and part of your daily life. However, without proper maintenance and care, your vehicle could derail your finances with unexpected repair costs and more.

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Financial Moves to Make When Preparing for a Baby
Financial Moves to Make When Preparing for a Baby
Authored By: Genisys Credit Union on

Welcoming a new addition to your family is a time of joy and excitement! It can also feel a bit overwhelming as you run through the list of things you must do to prepare. Aside from setting up the nursery and buying clothes, supplies, and car seats, there are also financial steps you should take to ensure a smooth transition.

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Credit Card Compromised? Here’s What to Do Next.
Credit Card Compromised? Here’s What to Do Next.
Authored By: Genisys Credit Union on

Imagine logging into your account to make your monthly credit card bill, and you come face-to-face with a slew of charges you did not make or authorize. Unfortunately, fraud happens. Despite top-of-the-line security on your accounts and the best identity practices, criminals still find a way.

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10 Creative Ways You Can Use a Home Equity Loan
10 Creative Ways You Can Use a Home Equity Loan
Authored By: Genisys Credit Union on

You’ll often hear homeowners talking about tapping into their home’s equity to solve a variety of financial challenges. But what exactly is home equity? And if you do tap into your home’s equity, how can you use those funds?

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8 Crucial Money Moves to Make in Your 30s
8 Crucial Money Moves to Make in Your 30s
Authored By: Genisys Credit Union on

Much of your twenties is spent figuring out who you are and where you’re going in life. As you progress into your thirties, more pieces of that puzzle begin to fall into place. Perhaps you’re planning to get married or start a family. Maybe specific career goals are on your mind. Regardless, it’s often a period of significant personal growth.

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Mortgage Payment Breakdown: Where Your Money Really Goes
Mortgage Payment Breakdown: Where Your Money Really Goes
Authored By: Genisys Credit Union on

If you’re preparing to purchase your first home, you’re probably scratching your head more than you anticipated. Between the complex terminology and variety of home loan options, the home-buying process can become confusing rather quickly.

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Your Guide to Savvy Car-Shopping
Your Guide to Savvy Car-Shopping
Authored By: Genisys Credit Union on

When you set your sights on buying a new car, a whirlwind of emotions can arise. On the one hand, you’re excited to find and cruise away in your new ride. But on the other hand, you know it’s a big decision that could significantly impact your finances for several years.

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Gift Cards: A Scammer’s Best Friend
Gift Cards: A Scammer’s Best Friend
Authored By: Genisys Credit Union on

Gift cards are fun to receive and even better to give to others. Need to grab a last-minute gift? Don’t know what to give the person who has everything? Or buying for a teen that prefers to do their own shopping? No matter your circumstance, there’s a gift card for that!

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Financial Tips for Your College-Bound Child
Financial Tips for Your College-Bound Child
Authored By: Genisys Credit Union on

This summer, many parents watched their child graduate high school - such a bittersweet moment! You’re filled with pride as you reminisce about all they have achieved and overcome to reach this point. Yet, you know they are about to embark on the next chapter of their life. For many, that’s heading off to college this month.

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Why a Credit Union is Safer than a Bank in a Financial Crisis
Why a Credit Union is Safer than a Bank in a Financial Crisis
Authored By: Genisys Credit Union on

It’s no secret that the economy has seen better days. Inflation has cooled off slightly, but it is still at record highs as salaries continue lagging behind. Interest rates on large loans are also steep enough to drive many would-be borrowers away, while home and auto prices soar.

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What You Need to Know About Buying a Used Car
What You Need to Know About Buying a Used Car
Authored By: Genisys Credit Union on

Purchasing a used car can be tricky for some. You want to keep costs down, but at the same time, you don’t want to drive off the lot with a lemon. In this blog, we’ve compiled a comprehensive guide to buying a used car to ensure a smooth, successful search and purchase.

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Beware of Advance Payment Scams
Beware of Advance Payment Scams
Authored By: Genisys Credit Union on

It’s an awesome deal, but there’s just one catch: You need to pay a fee in advance. Before you go ahead and do so, though, take a step back and look at the transaction from every possible angle. An advance payment scam may have captivated you in its allure.

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Back-to-School Hacks to Beat Inflation
Back-to-School Hacks to Beat Inflation
Authored By: Genisys Credit Union on

Back-to-school season is here, and this year, the second-biggest shopping season of the year will be more expensive than ever. With inflation still at all-time highs, the supplies and gear you always buy may cost a lot more than you paid just a year or two ago.

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Stay Safe from Student Loan Forgiveness Scams
Stay Safe from Student Loan Forgiveness Scams
Authored By: Genisys Credit Union on

With the resumption of federal student loan payments and the promise of loan forgiveness, scammers have seized the opportunity to exploit the situation. They are inundating the scene with false promises of loan cancellation and a myriad of other deceptive tactics, making it vital to stay vigilant.

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Surprise Costs When Renting Your First Apartment
Surprise Costs When Renting Your First Apartment
Authored By: Genisys Credit Union on

Moving into your first apartment is an exciting experience and marks a significant milestone in life. It also comes with a wide range of financial responsibilities – some of which you may face for the first time. Rent is just one of many factors to consider when building your budget for your new place.

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Tips to Improve Your Loan Approval Odds
Tips to Improve Your Loan Approval Odds
Authored By: Genisys Credit Union on

Applying for a loan often feels daunting to many - but have no fear. You can employ several strategies to improve your chances of being approved.

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How to Perform a Mid-Year Financial Check-In
How to Perform a Mid-Year Financial Check-In
Authored By: Genisys Credit Union on

As we are past the midway point of the year, now is the perfect time to perform a quick check-in with your finances. Regularly reviewing your saving and spending habits, and making necessary adjustments, helps ensure you stay on track to meet your financial goals. 

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Top Home Upgrades to Boost Your Resale Value
Top Home Upgrades to Boost Your Resale Value
Authored By: Genisys Credit Union on

If you're considering selling your house in the future, it’s essential to understand the best home improvements for resale value. In order to get the most money for your house, your home must be in top-notch shape to attract buyers and get the highest offer possible — perhaps even a bidding war! Don't underestimate the value that even minor improvements to your home could add to your bottom line.

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4 Times It’s Wise to Refinance Your Auto Loan
4 Times It’s Wise to Refinance Your Auto Loan
Authored By: Genisys Credit Union on

When people hear the term “refinance,” they often associate it with a long, tedious process. If you ever refinanced a home mortgage, you know that can be true due to the complexity of those loans. However, refinancing your car loan is quite simple and usually only takes a day or two to complete.

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Is a High Yield Checking Account Right for Me?
Is a High Yield Checking Account Right for Me?
Authored By: Genisys Credit Union on

Your checking account is like the worker bee of your financial accounts. It’s constantly active. Between paychecks coming in and funds from everyday purchases going out, it never rests. Having a checking account that is flexible is paramount.

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The True Cost of Car Ownership
The True Cost of Car Ownership
Authored By: Genisys Credit Union on

When it comes time to buy a new or pre-owned car, the process is much easier today. You can search vehicles, negotiate prices, estimate trade-in values, and even secure financing without ever leaving the couch. Amidst these conveniences and the excitement of getting a new car, people often overlook certain costs associated with purchasing a vehicle.

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8 Ways to Celebrate Father’s Day on a Budget
8 Ways to Celebrate Father’s Day on a Budget
Authored By: Genisys Credit Union on

It’s Dad’s day! Whether your father is well past middle age, or he’s still fairly young, this day in June presents an opportunity for you to show Dad how much he means to you. The good news is, it doesn’t have to cost a ton of money to celebrate Father’s Day in style. After all, you know how much Dad hates it when you waste money!

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10 Tips to Tidy Up Your Finances this Summer
10 Tips to Tidy Up Your Finances this Summer
Authored By: Genisys Credit Union on

Summer is right around the corner, and it’s not only your home that deserves a fresh start. As we tidy up our living spaces, it’s equally important to spruce up our finances. Just as decluttering clears physical space, a financial spring cleaning creates room for a healthier fiscal future.

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Essential Money Talks to Have with Your Teen
Essential Money Talks to Have with Your Teen
Authored By: Genisys Credit Union on

Empowering your teens with financial knowledge is more than just a gift – it’s an investment in their future. As parents, guiding your children through the maze of money management is crucial for their long-term well-being. Think of it as laying down the stepping stones toward a path of financial security and independence.

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Phishing, Smishing, and Vishing: How to Protect Yourself
Phishing, Smishing, and Vishing: How to Protect Yourself
Authored By: Genisys Credit Union on

In today's digital age, where everything from shopping to banking is done online, the threat of scams looms larger than ever. Imagine receiving an email, a text message, or even a phone call that seems legitimate, only to realize later that it was a trap set by cybercriminals. These tactics, known as phishing, smishing, and vishing, are more than just annoyances - they're sophisticated schemes designed to steal your personal information and drain your financial accounts.

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Your Guide to Choosing the Best Credit Card
Your Guide to Choosing the Best Credit Card
Authored By: Genisys Credit Union on

Happy man with credit card

Credit cards are one of the most popular payment methods today. Whether managing monthly cash flow, making large purchases, covering unexpected expenses, or earning valuable rewards, credit cards are the go-to payment method for most. 

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Rev Up Your Car-Buying Strategy: Navigating Fluctuating Interest Rates
Rev Up Your Car-Buying Strategy: Navigating Fluctuating Interest Rates
Authored By: Genisys Credit Union on

Navigating between interest rates and higher car prices can feel like driving on winding roads. While the current market conditions might not seem ideal for purchasing a new car, there are many ways to make your hard-earned dollars go further.

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To Relocate or Renovate? Navigating the Decision of Moving vs. Home Improvement
To Relocate or Renovate? Navigating the Decision of Moving vs. Home Improvement
Authored By: Genisys Credit Union on

Choosing to move to a new home or to make improvements to your current home is a big decision. The right answer will depend on your general financial situation and other personal circumstances. Here, we’ve outlined the pros and cons of each choice so you can make the decision that is best for you.

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Mastering Money: Your Ultimate Guide to Budgeting
Mastering Money: Your Ultimate Guide to Budgeting
Authored By: Genisys Credit Union on

If you’d love to live with a budget, but you don’t have the time or energy to learn how to create and manage a complicated spending plan, we can help! Similarly, if you’ve budgeted in the past but have fallen out of the habit and would love to jump back into life with a budget again, you may find this super-helpful.

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Creditworthiness: What It Is & Why It Matters
Creditworthiness: What It Is & Why It Matters
Authored By: Genisys Credit Union on

Navigating the world of finance can sometimes feel like deciphering a complex code, especially when faced with industry jargon. For example, creditworthiness. What exactly does it mean, and why is it such an important measure of your financial health? We’re here to help demystify creditworthiness so you can better understand its significance in securing loans and other financial products.

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Why Your Child Should Have a Savings Account
Why Your Child Should Have a Savings Account
Authored By: Genisys Credit Union on

Kids these days are growing up with more access to financial products than ever before. From debit cards to mobile apps and specialty accounts, they have so many options when it comes to managing their money. In honor of Youth Month, let’s take a look at why it can be a good idea to open a savings account for your child.

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6 Essential Credit FAQs Answered
6 Essential Credit FAQs Answered
Authored By: Genisys Credit Union on

Building and maintaining an excellent credit score should be a top financial priority for every adult. Your credit score plays a significant role in how much interest you pay on loans, whether you’ll be approved for financing, and it can even impact whether you can rent an apartment or land specific jobs.

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How to Protect Yourself from Rising Check Fraud
How to Protect Yourself from Rising Check Fraud
Authored By: Genisys Credit Union on

With the widespread transition to digital payments, the use of paper checks seems to be on the decline. However, check writing remains a popular payment preference for many businesses and people. Since checks are still widely used, it’s crucial to understand their susceptibility to fraud and how to protect your finances.

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Your Balance Transfer Checklist: Before & After
Your Balance Transfer Checklist: Before & After
Authored By: Genisys Credit Union on

Credit card debt has a way of sneaking up on you. Before you know it, the balances can become a financial burden and a challenge to pay off. This is especially true if you’re managing multiple cards with different balances, payment amounts, and due dates.

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Grow Your Tax Refund with a Certificate
Grow Your Tax Refund with a Certificate
Authored By: Genisys Credit Union on

Woman with cell phone looking at camera

As tax season rolls in, many people are looking forward to receiving a refund check. You might already have an idea of how you plan to spend it. But, while it can be fun to treat yourself, you also don’t want to lose sight of the many ways these funds can benefit you.

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Developing Money Skills for Kids of All Ages
Developing Money Skills for Kids of All Ages
Authored By: Genisys Credit Union on

As a parent, you are the most significant influence on your children’s financial habits, now and later in life. Providing a good example and helping them set healthy money habits now will set them up for success in the future.

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Answering Your First-Time Homebuyer Questions
Answering Your First-Time Homebuyer Questions
Authored By: Genisys Credit Union on

Buying a home is likely the most significant financial transaction you will make in your lifetime. While preparing to purchase a house is exciting, it’s understandable to feel a bit overwhelmed (especially as a first-time buyer). 

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8 Ways to Save on Heating Costs this Year
8 Ways to Save on Heating Costs this Year
Authored By: Genisys Credit Union on

We get it, you’ve done your due diligence and sealed all leaky windows, replaced the weather stripping around your doors, but your heating bill is still astronomical. Why? While sealing air leaks and weather-stripping are great first steps toward lowering your heating bill, there are many other things to hack your way to a lower heating bill this winter.

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Don’t Fall for These Text Scams
Don’t Fall for These Text Scams
Authored By: Genisys Credit Union on

Millions of people fall victim to identity theft every year. The best way to protect yourself is to understand how popular scams work. However, once you become comfortable identifying them, fraudsters change it up and move to new methods.

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Your Roadmap to Start Investing
Your Roadmap to Start Investing
Authored By: Genisys Credit Union on

Stepping into the world of investing for the first time can be a bit like setting sail on unfamiliar waters. With numerous choices and conflicting advice, it’s natural to feel a tad overwhelmed and unsure of where to begin. But worry no more! If adding investing to your financial plans is on the horizon we’re here to offer some helpful tips for a smoother journey ahead.

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Ways to Improve Your Credit this Year
Ways to Improve Your Credit this Year
Authored By: Genisys Credit Union on

Now is the perfect time to reflect on our financial habits and set goals for improvement. One crucial aspect of your overall fiscal health is your credit. Your credit score is a critical factor in determining your financial well-being, impacting your ability to be approved for loans, buy a home, or even land a job in some cases. If improving your credit is one of your financial resolutions for this year, we are here to help with some tips to guide you on your journey to better credit.

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Should You Buy a Home in the Winter?
Should You Buy a Home in the Winter?
Authored By: Genisys Credit Union on

If purchasing a new home is one of your financial goals for the new year, you are probably taking all the necessary measures to prepare. From saving for a down payment to finding the perfect home, there is a lot to consider.

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Building a Budget That Works in the New Year
Building a Budget That Works in the New Year
Authored By: Genisys Credit Union on

Achieving financial well-being requires careful planning and discipline. Budgeting is a crucial tool in this endeavor, offering you the means to take charge of your finances. Various budgeting methods exist, each with its own strengths and flexibility, allowing you to align your financial habits with your goals.

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Financial Resolutions You Can Actually Keep
Financial Resolutions You Can Actually Keep
Authored By: Genisys Credit Union on

As the New Year is underway, now is the opportune time to reflect on your financial habits and set resolutions to improve your economic well-being. When making resolutions, we often set our sights too high, making living up to our expectations difficult. The key to success with behavioral changes is setting practical and feasible goals.

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What To Do When You’re Behind on Your Car Payments
What To Do When You’re Behind on Your Car Payments
Authored By: Genisys Credit Union on

Life always has its ups and downs. When those downs include financial challenges, it can severely strain even the most well-crafted budget. If you fear falling behind on your car loan payments, don’t panic. You are not alone. Higher prices and inflation are taking a toll on consumers, and loan delinquencies are on the rise.

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Setting New Year’s [Financial] Resolutions as a Couple
Setting New Year’s [Financial] Resolutions as a Couple
Authored By: Genisys Credit Union on

As the year comes to an end, people look at the new year as a fresh start. It’s a time to change behaviors and create resolutions with the hope of bettering ourselves in the coming year.

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How to Spot This Season’s Holiday Scams
How to Spot This Season’s Holiday Scams
Authored By: Genisys Credit Union on

Man sitting at home with coffee and laptop

The holidays bring joy and celebration, but it’s also a season when fraudsters are up to their most deceiving tricks. From gift card fraud and travel scams to fake charities and package theft, there’s nothing that scammers won’t do to try and steal your festive cheer. We’re here to help you stay safe by shining a spotlight on some of this season’s most common scams and their warning signs, plus tips on how to protect yourself. 

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Where Should You Keep Your Emergency Fund?
Where Should You Keep Your Emergency Fund?
Authored By: Genisys Credit Union on

Life is full of financial curveballs. Whether it’s sudden car or home repairs or unplanned medical bills, unexpected expenses always have a way of popping up. An emergency fund is a crucial component of a healthy financial plan because it can keep you afloat while you deal with impromptu financial setbacks.

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8 Ways to Boost Your Mood Without Spending Money
8 Ways to Boost Your Mood Without Spending Money
Authored By: Genisys Credit Union on

Life’s stresses have a way of getting us down, and there are so many ways to unwind to get serotonin levels spiking again. The problem is, too many of these outlets, like shopping, eating out and getting a massage, will set the budget back a bit – or a lot!

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Ways to Save Money on Holiday Travel
Ways to Save Money on Holiday Travel
Authored By: Genisys Credit Union on

With the holiday season right around the corner, you may already be thinking about your travel plans. Whether you’re heading home to be with family, visiting friends, or going on a well-deserved vacation, travel costs can consume a significant portion of your holiday budget.

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Deck the Halls with a Holiday Loan
Deck the Halls with a Holiday Loan
Authored By: Genisys Credit Union on

The holiday season is upon us, and one thing is for sure: we always forget how pricey these events can be until they’re here. Between the gifts, decorations, parties, and travel, your budget will be put to the test. And with prices continuing to stay high, preparation is crucial.

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What is My Credit Utilization Ratio?
What is My Credit Utilization Ratio?
Authored By: Genisys Credit Union on

Everyone knows credit scores carry significant weight in today’s financial world. Your score directly impacts whether you’ll be extended credit and how much interest you’ll pay. But it’s not the only factor lenders review before approving a loan.

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What is the “Say Yes” Scam?
What is the “Say Yes” Scam?
Authored By: Genisys Credit Union on

It seems like every day a new scam emerges as fraudsters attempt to separate you from your hard-earned money. While many of these ploys are extravagant and convincing, that doesn’t stop fraudsters from returning to their old tricks. That’s what is happening now as the “Say Yes” scam regains popularity.

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7 Common Money Myths You Should Ignore
7 Common Money Myths You Should Ignore
Authored By: Genisys Credit Union on

Everyone holds their own perspective when it comes to handling finances. While friends and family may offer well-intentioned guidance, not everything you hear is necessarily accurate or beneficial. Much of it can be misleading or misguided - causing you to overlook opportunities or make poor financial decisions.

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What Does It Mean to Be Financially Independent?
What Does It Mean to Be Financially Independent?
Authored By: Genisys Credit Union on

In the world of finance, the phrase “financial independence” is tossed around frequently. The challenge is that this concept isn’t one-size-fits-all; it means different things to different people. For instance, for someone in their golden years, financial independence might signify the ability to retire comfortably without the burden of a 9-to-5 job. However, for hardworking adults, it often boils down to breaking free from the paycheck-to-paycheck grind.

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Getting Ready for a Pricey Holiday Season
Getting Ready for a Pricey Holiday Season
Authored By: Genisys Credit Union on

The holiday season is right around the corner, and it’s safe to say this will be one of the most expensive yet. Everyone is already feeling the financial squeeze thanks to inflation and rising prices. So, when you begin to think about holiday gifts, decorations, parties, and travel, it can feel overwhelming.

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Gen Z: It’s Time to Kickstart Your Credit Journey
Gen Z: It’s Time to Kickstart Your Credit Journey
Authored By: Genisys Credit Union on

Whether you are college bound or heading into the workforce, there is something all young adults need to know about: your credit score. Think of this three-number score as your financial GPA. It holds the keys to your dreams of owning a car, renting your first place, or even landing that dream job.

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How to Build a Debt-Free Future
How to Build a Debt-Free Future
Authored By: Genisys Credit Union on

Society today runs on credit, and that’s not a bad thing. Very few people can afford to pay cash upfront for things like cars, homes, or a college education. Access to credit and loans allows you to achieve major milestones and improve your financial position.

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Short-Term Savings: Which Accounts Work Best?
Short-Term Savings: Which Accounts Work Best?
Authored By: Genisys Credit Union on

We all have financial goals we want to achieve one day. Whether it’s taking a well-deserved vacation or securing your golden years, how you save is just as important as how much you put aside. Different goals require different tools and tactics. For example, retirement planning relies heavily on tax-advantaged accounts and long-term investments. But what about short-term goals - those that you hope to achieve within two or three years?

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5 Popular Scams & How to Protect Yourself
5 Popular Scams & How to Protect Yourself
Authored By: Genisys Credit Union on

Everyday technology becomes more prevalent in people’s lives. From working and traveling to shopping and socializing, it seems people are always connected today. But this non-stop reliance on your devices also creates a haven for fraudsters – and the pandemic only accelerated this digital dependence.

 
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8 Financial Moves for Empty Nesters
8 Financial Moves for Empty Nesters
Authored By: Genisys Credit Union on

It’s a bittersweet feeling when your children spread their wings and leave the nest. As they venture into the world to pursue their dreams, it’s time for you to take stock of your financial situation and make some strategic moves. With retirement likely right around the corner, the upcoming years are crucial to ensure you enjoy your golden years.

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Tips to Achieve an 800+ Credit Score
Tips to Achieve an 800+ Credit Score
Authored By: Genisys Credit Union on

An excellent credit score will unlock plenty of financial perks. Loan approvals are much easier, and you’ll qualify for the best rates – potentially saving you thousands of dollars. However, if your goal is to push your credit score over the 800-line, you likely already know quite a bit about this subject.

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10 Strategies to Maximize Your College Budget
10 Strategies to Maximize Your College Budget
Authored By: Genisys Credit Union on

Heading off to college is an exciting time. You’ll meet new people, explore new places, and experience new things. But it’s no secret that college isn’t cheap. That’s why it’s crucial that you have a budget that’s both realistic and flexible.

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When Does a Home Equity Loan Make Financial Sense?
When Does a Home Equity Loan Make Financial Sense?
Authored By: Genisys Credit Union on

As a homeowner, you possess a unique financial advantage – the ability to build and utilize the equity in your property. Home equity loans offer an affordable means to finance a wide range of expenses, including home renovations, weddings, and higher education.

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Student Loan Repayment, Simplified
Student Loan Repayment, Simplified
Authored By: Genisys Credit Union on

After a historical hiatus throughout the pandemic, borrowers now face federal student loan repayment. Evaluating your full financial picture and making a repayment plan goes a long way towards reducing stress and uncertainty. Student loan interest will resume starting on Sept. 1, 2023, and payments will be due starting in October.

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Breaking Up with Your Subscriptions
Breaking Up with Your Subscriptions
Authored By: Genisys Credit Union on

We all have them. We know they cost a small fortune. Yet, instead of canceling subscriptions, we find ourselves subscribing to even more. Businesses across all industries have found creative ways to cash in on this profitable business model – and consumers can’t resist clicking “subscribe.”

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Popular Money Tips That Aren’t All That Great
Popular Money Tips That Aren’t All That Great
Authored By: Genisys Credit Union on

When it comes to money, everyone has an opinion, and they want to share it with the world. Unfortunately, though, popularity in and of itself does not make an opinion true. Let’s take a look at three commonly offered money tips that aren’t all that great.

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Mid-Year Money Checkup: 5 Ways to Boost Your Financial Health
Mid-Year Money Checkup: 5 Ways to Boost Your Financial Health
Authored By: Genisys Credit Union on

Summer is in full swing and so is peak travel season. And while July is a prime time to get outdoors and cash in on any plans you may have—at home or beyond—the reality is that financial concerns (and recent credit interest rate spikes) remain a pain point for many of us. Here are five steps to take to boost your financial health and reduce your worries this summer.

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All You Need to Know About Money Market Accounts
All You Need to Know About Money Market Accounts
Authored By: Genisys Credit Union on

At Genisys, we offer our members a wide variety of financial products and services to help you manage, save and grow your money. Whether you’re new to the world of banking and in the process of opening your first checking account, or you’re a seasoned saver looking for a new place to grow your money, a money market account can be the right choice for you. These popular accounts blend the best of savings and checking accounts, offering convenient features along with an attractive rate of return to help your money grow.

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Unleash the Power of Your Home’s Equity
Unleash the Power of Your Home’s Equity
Authored By: Genisys Credit Union on

Do you ever feel trapped by your finances? Maybe you have several big projects, like your home needs new flooring or your AC is on its last legs. Perhaps you opened your mailbox to find unexpected medical bills. All these projects and expenses can add up quickly, especially when they hit at once.

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What is a Credit Utilization Ratio & Why Does It Matter?
What is a Credit Utilization Ratio & Why Does It Matter?
Authored By: Genisys Credit Union on

Building and maintaining an excellent credit score should be a top priority for every adult. A good score can create opportunities and generate significant financial savings in our world where loans and credit are commonplace. Everyone from lenders, landlords, and even some employers use your score to gauge your financial trustworthiness.

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Smart Summer Travel: 7 Ways to Save
Smart Summer Travel: 7 Ways to Save
Authored By: Genisys Credit Union on

There are a few things that bring joy like longer days and warmer temps. But before you dive deep into summer travel, and your wallet, check out these tips that can help you have fun in the sun without breaking the bank. 

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7 Steps to Take If You’re an Identity Theft Victim
7 Steps to Take If You’re an Identity Theft Victim
Authored By: Genisys Credit Union on

Identity theft is a serious crime that can have detrimental consequences on your finances and credit score. Unfortunately, most people don’t realize their personal information was stolen until weeks or months later. So, whether you fell prey to a scam or were a victim of a data breach, it’s crucial you act swiftly. 

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8 Wise Money Moves to Make in Your 30s
8 Wise Money Moves to Make in Your 30s
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Much of your twenties is spent figuring out who you are and where you’re going in life. As you progress into your thirties, more pieces of that puzzle begin to fall into place. Perhaps you’re planning to get married or start a family. Maybe specific career goals are on your mind. Regardless, it’s often a period of significant personal growth.

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6 Ways to Finance an Engagement Ring
6 Ways to Finance an Engagement Ring
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One of life’s major milestones is deciding to propose to your significant other. But before you hear the celebratory wedding bells, the first step is to find the perfect engagement ring. The old adage said you should spend roughly two months’ income on an engagement ring. While times have thankfully brought this number down a bit, one thing is for sure – rings aren’t cheap.

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Maximize Your Summer to Boost Your College Budget
Maximize Your Summer to Boost Your College Budget
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The cost of higher education continues to rise every year. Between tuition, living expenses, and transportation, the price tag of a college degree can leave many wondering how they’ll afford it.

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Boost Your Savings Without Market Risk
Boost Your Savings Without Market Risk
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When it comes to investing your money, a wide range of options are available. These opportunities include stocks, bonds, traditional savings accounts, and real estate, all of which offer the potential for financial growth. However, with a plethora of choices also comes the possibility of increased risks.

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Time to Move or Time to Improve? Moving vs. Home Improvement
Time to Move or Time to Improve? Moving vs. Home Improvement
Authored By: Genisys Credit Union on

Choosing to move to a new home or to make improvements to your current home is a big decision. The right answer will depend on your general financial situation and other personal circumstances. Here, we’ve outlined the pros and cons of each choice so you can make the decision that is best for you.

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6 Reasons Why a Budget is Crucial
6 Reasons Why a Budget is Crucial
Authored By: Genisys Credit Union on

Budgeting often gets a bad rap. Sure, creating and maintaining a budget might feel like a hassle sometimes. They can be time-consuming, restricting, and can even feel self-defeating on occasion. Yet, there is no better way to ensure your financial well-being than through a well-maintained budget.

 

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Popular Tax Scams & How to Avoid Them
Popular Tax Scams & How to Avoid Them
Authored By: Genisys Credit Union on

Tax season is here, and it tends to put most people on edge. Many are anxious to file their returns because they rely on the money from their tax refund. Others find it stressful to locate all their tax documents and file on time.

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Two Powerful Tools to Rebuild Your Credit Score
Two Powerful Tools to Rebuild Your Credit Score
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Today’s society relies heavily on credit, which makes your credit score a crucial component of your overall financial well-being. Whether making purchases with a credit card, buying a car or home, or pursuing higher education, credit is generally required.

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How to Manage Debt When Interest Rates are Rising
How to Manage Debt When Interest Rates are Rising
Authored By: Genisys Credit Union on

Interest rates across the board continue to rise. It’s a wonderful scenario for savers with Money Market Accounts and Certificates of Deposit. Higher saving yields provide greater earning potential.

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The Financial Institution You Choose Makes a Difference and Genisys is the Right Choice
The Financial Institution You Choose Makes a Difference and Genisys is the Right Choice
Authored By: Genisys Credit Union on

We are all likely aware of the news regarding Silicon Valley Bank in California. While this can feel like an uncertain, and scary time, we are here to assure you that you have safe alternatives for where you choose to put your money. Credit Unions offer a unique alternative for many reasons. 

 

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How Do College Scholarships Work?
How Do College Scholarships Work?
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Attending college and earning a degree in a field you’re passionate about is a dream for many. After countless hours studying and working towards your goal, there’s no better feeling than holding that college acceptance letter in your hands. Now that you’ve passed the first major hurdle, it’s time to start preparing for the next…how to pay for school.

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Everything You Need to Know About Buying a Home this Year
Everything You Need to Know About Buying a Home this Year
Authored By: Genisys Credit Union on

If you’re planning to get a home loan this year, you likely know you won’t be dealing with typical circumstances. The real estate market has been completely upended by the pandemic along with its ensuing financial fallout, and it has yet to recover. While the extreme market conditions that characterized the last two years are beginning to settle down, the market is still far from stable.

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Membership Has Its Perks
Membership Has Its Perks
Authored By: Genisys Credit Union on

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.

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Financial Diets vs. Lifestyle Changes
Financial Diets vs. Lifestyle Changes
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If you’ve ever tried to shed a few pounds, you know there are plenty of diets to choose from. And whether they’re dictating how much you can eat or what types of foods are acceptable, most diets have one thing in common – they’re unsustainable.

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How to Use Your Tax Refund to Build Credit
How to Use Your Tax Refund to Build Credit
Authored By: Genisys Credit Union on

It’s no secret that having a great credit score is beneficial today. It makes being approved for loans easier and ensures you pay less interest on those financial obligations. But its benefits stretch beyond loans.

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Why are Certificates of Deposit Becoming So Popular?
Why are Certificates of Deposit Becoming So Popular?
Authored By: Genisys Credit Union on

After a year of surging prices, members are still grappling with the effects of rising inflation. Add in the rocky performance of Wall Street, and people are looking for a silver lining. One such opportunity is beginning to shine as savings rates also start to climb – it’s called a certificate of deposit (CD).

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What To Do If You’re Laid Off
What To Do If You’re Laid Off
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As you scroll through the news headlines, predictions of a looming recession are becoming more frequent. If you were in the workforce during the Great Recession of ’08, you know the one word that usually follows “recession” is “layoffs.”

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Should You Use a Business Line of Credit or Credit Card?
Should You Use a Business Line of Credit or Credit Card?
Authored By: Genisys Credit Union on

As a business owner, you know how vital cash flow is, and you may need to tap into credit frequently. Whether it’s covering inventory, making payroll, or everyday expenses, many businesses rely on credit. But what type of credit should you have - a credit card or a business line of credit?

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Budgeting Tips Once Student Loan Payments Resume
Budgeting Tips Once Student Loan Payments Resume
Authored By: Genisys Credit Union on

With uncertainty surrounding the unfolding pandemic, on March 13, 2020, most federal student loans went into “Administrative Forbearance.” During this time, eligible loans had their interest rates set to 0% APR and loan payments were paused.

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How to Fix Errors on Your Credit Report
How to Fix Errors on Your Credit Report
Authored By: Genisys Credit Union on

Your credit score will play a tremendous role throughout your adult life. From determining how much you’ll pay on your car and home loan to deciding if you’ll be approved for an apartment, your credit comes into play. Whether you have a stellar score or life throws you some financial curveballs, it’s always in your best interest to monitor and improve your credit score.

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Facing Financial Challenges Head-On
Facing Financial Challenges Head-On
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It’s never fun when life throws you a sudden, unexpected financial curveball. And unfortunately, these challenges always seem to pop up when you least expect them. Ideally, the hurdle isn’t too tall, and you can cover the costs with your emergency fund.

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How to Purchase Your First Car
How to Purchase Your First Car
Authored By: Genisys Credit Union on

Buying your first car is both exciting and a bit overwhelming. It’s a big decision that will impact your finances for the next several years. As a first-time buyer, you want to know you’re making the right choice and not being taken advantage of by the dealership.

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How to Make Your Dream Vacation a Reality
How to Make Your Dream Vacation a Reality
Authored By: Genisys Credit Union on

Whether it’s trekking across Europe, embarking on a coast-to-coast road trip of the U.S., or cruising through the Canadian Rockies by train, most people dream about that one bucket-list vacation. To many, this adventure remains a dream. But with dedication and planning, it’s often more attainable than people realize.

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10 Common Retirement Mistakes to Avoid
10 Common Retirement Mistakes to Avoid
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Whether it’s traveling the world, relaxing on the coast, or spending time with grandchildren, everyone dreams about retiring one day. The greatest challenge with retirement is that the road to get there is long. Generally, people will work 40 or more years before they save enough to leave the workforce and live comfortably.

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Robo-Advisors: A New Way to Invest
Robo-Advisors: A New Way to Invest
Authored By: Genisys Credit Union on

While there are many avenues to invest money in the markets today, the two most popular are either doing it yourself or with the help of a financial advisor. Going solo could save you money on fees but also adds risk if you’re unfamiliar with the markets.

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Tips to Pay Off Debt Quicker
Tips to Pay Off Debt Quicker
Authored By: Genisys Credit Union on

Loans are commonplace in our society, and most people will carry a variety of debts during their lifetime. Whether an auto loan or a credit card, debt has the same weight – a monthly bill you must pay back. While it's not always the easiest thing to do, your goal should be to repay your balance as quickly as possible. Doing so can positively affect both your financial and mental well-being

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Financial Tips When Caring for Elderly Parents
Financial Tips When Caring for Elderly Parents
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Today, managing both your career and family can be challenging. But it’s becoming even more difficult for a growing segment of the population. Commonly known as the “sandwich generation,” these individuals are raising their own children while also caring for elderly parents.

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Understanding a Mortgage Payment
Understanding a Mortgage Payment
Authored By: Genisys Credit Union on

If you’re preparing to purchase your first home, you’re probably scratching your head more than you anticipated. Between the complex terminology and variety of home loan options, the home-buying process can become confusing rather quickly.

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Buy Now, Pay Later: Is it a Good Idea?
Buy Now, Pay Later: Is it a Good Idea?
Authored By: Genisys Credit Union on

Buy now, pay later (BNPL) programs almost seem too good to be true. You can actually walk away with that overpriced exercise bike, entertainment system, sectional sofa or anything else that caught your eye without having the money to pay for it now. And there are almost no eligibility requirements to qualify.

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6 Ways Your Small Business Can Fight Inflation
6 Ways Your Small Business Can Fight Inflation
Authored By: Genisys Credit Union on

Life as a small business owner is never easy. But the last couple of years has brought obstacles no one saw coming. Finally, as the challenges brought forth by the pandemic started to wane, new burdens emerged. Supply chain issues and record levels of inflation have business owners scratching their heads, wondering if this run of bad luck will ever end.

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4 Popular Scams & How to Protect Yourself
4 Popular Scams & How to Protect Yourself
Authored By: Genisys Credit Union on

Everyday technology becomes more prevalent in people’s lives. From working and traveling to shopping and socializing, it seems people are always connected today. But this non-stop reliance on your devices also creates a haven for fraudsters – and the pandemic only accelerated this digital dependence.

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Tips for Shopping Early this Holiday Season
Tips for Shopping Early this Holiday Season
Authored By: Genisys Credit Union on

Fall is here, which means the winter holidays are right around the corner. Everyone can feel a little overwhelmed during the holiday season, leading to procrastination, shopping anxiety, or delayed gift picking. But the holidays are meant to be full of fun and love, so minimizing your stress is the best strategy for thoroughly enjoying the holidays.

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Credit Score Myths Debunked
Credit Score Myths Debunked
Authored By: Genisys Credit Union on

It’s no secret that an excellent credit score can impact your financial life tremendously. With it, applying for loans and receiving the necessary funds becomes much easier. Plus, the costs of those loans will be significantly lower. It can also improve your chances of being approved for an apartment and obtaining certain jobs.

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Tips to Fight Inflation
Tips to Fight Inflation
Authored By: Genisys Credit Union on

Creating and maintaining a budget is one of the best ways to achieve your financial goals. However, even the most dedicated can find it challenging at times. That’s why it’s essential to revisit your budget and financial plan every six months. This financial check-up is your opportunity to get back on track before you stray too far from your goals.

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How Businesses Establish and Build Credit
How Businesses Establish and Build Credit
Authored By: Genisys Credit Union on

Did you know that, just like individuals, your business needs a good credit score? Whether you’re thinking of turning your side hustle into a full-time gig or starting a new business, establishing business credit is imperative.

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Financial Perks of Being a Renter
Financial Perks of Being a Renter
Authored By: Genisys Credit Union on

Much of today’s financial advice tends to center around buying a home. Yes, homeowners experience various fiscal benefits, such as building equity and potentially earning a return if they sell the property. However, not everyone is ready to become a homeowner – nor is it the best option for all. Renting an apartment or home can provide many financial perks – especially to those younger members just starting out. 

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6 Tips to Help with Rising Childcare Costs
6 Tips to Help with Rising Childcare Costs
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Most new parents are shocked when they discover the cost of childcare today. With prices per child often near $1,000 per month, the total can become extremely expensive for those with multiple small children. The rising cost of childcare can force parents to question whether it’s more economical for one parent to forgo working and raise their children until they can attend elementary school.

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How to Save on Wedding Costs
How to Save on Wedding Costs
Authored By: Genisys Credit Union on

Did you know that the cost of an average wedding in the U.S. is $28,000? That’s an awful lot of money to spend on one event, especially when you consider that just 12% of couples have wedding savings when they get engaged. This means that for many couples, the honeymoon is over as soon as those bills start coming due. 

 

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How Long Do Negative Marks Stay on Your Credit Report?
How Long Do Negative Marks Stay on Your Credit Report?
Authored By: Genisys Credit Union on

While building and maintaining a great credit score should always be a priority, mistakes happen. Some mishaps are more severe than others and can impact your credit rating for much longer. Understanding which items carry more weight on your score will help you avoid them in the future.

 

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10 Tips for ATM Safety
10 Tips for ATM Safety
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There is no better time than now to brush up on ATM safety. Using a compromised machine can mean risking identity theft or having cash stolen. With this simple machine, all it takes is a few short minutes for a victim’s life to be completely ruined. 

 

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Pros and Cons of Saving vs. Investing
Pros and Cons of Saving vs. Investing
Authored By: Genisys Credit Union on

One of the most popular questions people ask is whether they should save their money or invest it. The simple answer: both. While investing your money traditionally earns more than a savings account, there are some risks and downsides.

 

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Break the Paycheck to Paycheck Cycle
Break the Paycheck to Paycheck Cycle
Authored By: Genisys Credit Union on

Living paycheck-to-paycheck can be very draining and affect everyone in your household. While you may be paying your bills on time and covering all your monthly costs, one unexpected expense can cause the house of cards to come crashing down. Sure, you could try to get a second job or start a side hustle, but in reality, it’s not that easy – especially if you’re raising children.

 

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What Happens to Inactive Accounts?
What Happens to Inactive Accounts?
Authored By: Genisys Credit Union on

While the ability to transfer money between accounts is convenient, maintaining multiple accounts can become challenging – especially if you have several accounts. If you stop using an account for a while, what happens to it? Better yet, what happens to the money in there?

 

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Is Having No Debt a Smart Move?
Is Having No Debt a Smart Move?
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Debt is something everyone should do their best to avoid. It’s been a wild ride for everyone, but younger Millennials and older Gen Z have been hit especially hard. As a result, debt has earned the reputation of being something to avoid at all costs. But it may not be as simple as that.

 

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Should You Buyout Your Leased Car?
Should You Buyout Your Leased Car?
Authored By: Genisys Credit Union on

While leasing isn’t the right move for everyone, those drivers with leases ending soon are finding themselves in a unique position. The limited supply of pre-owned vehicles in the market is driving up the values of their leased cars – leaving many to contemplate whether they should buyout their lease. 

 

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Budgeting Tricks to Reach Your Goals
Budgeting Tricks to Reach Your Goals
Authored By: Genisys Credit Union on

The best way to achieve financial milestones is through a budget. But creating a budget and sticking to it are two entirely different things. While on paper, you may have the perfect plan to meet your monthly expenses and grow your savings, in reality, life happens.

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Online Gambling Education
Online Gambling Education
Authored By: Genisys Credit Union on

Throughout history, gambling has been a popular pastime. Now, it is even more accessible than ever before due to online gambling websites. Unfortunately, what can begin as an enjoyable pastime and opportunity to relieve stress, can turn into something much worse. 

 

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Tips for Buying a Home in a Seller's Market
Tips for Buying a Home in a Seller's Market
Authored By: Genisys Credit Union on

Unfortunately, the current real estate environment is a “seller’s market,” which can quickly lead to a frustrating home-buying experience. But all is not lost. You will find your perfect home; it just may require a little more work, patience, and understanding of how to navigate this type of market.

 

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Maximize Your Summer to Boost Your Budget
Maximize Your Summer to Boost Your Budget
Authored By: Genisys Credit Union on

The cost of higher education continues to rise every year. Between tuition, living expenses, transportation, the price tag of a college degree can leave many feeling stressed about how they can afford it. Scholarships and grants are great if you can qualify for them. However, an easier way is to change how you spend your summers.

 

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10 Ways to Save on Your Next Vacation
10 Ways to Save on Your Next Vacation
Authored By: Genisys Credit Union on

Everyone deserves a nice vacation. It’s your chance to get away from the daily grind, relax your mind, and create memories with your friends and family. While the destinations to choose from are limitless, your budget is most likely not.
 

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Watch out for Job Scams
Watch out for Job Scams
Authored By: Genisys Credit Union on

It’s an amazing employment opportunity – or is it? Scammers often hijack the job market and ensnare hopeful job seekers into their schemes. If you’re job-hunting, it’s a good idea to review the way these scams play out and how you can avoid them. To help you out, we’ve put together a short primer on what you need to know to stay safe from job scams. 
 

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Are You Ready for an Electric Vehicle?
Are You Ready for an Electric Vehicle?
Authored By: Genisys Credit Union on

Today’s car-shopping experience provides many options that weren’t even around a decade ago. Not only can you choose a variety of makes and models, but now you also have the option of buying an electric vehicle (EV). With gas prices steadily climbing, you may already be considering going electric. 

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How to Stay Productive While Working from Home
How to Stay Productive While Working from Home
Authored By: Genisys Credit Union on

A few years ago, working remotely wasn’t something many people even considered as an option. Fast forward to today and many workers are quickly finding it quite common. As businesses continue to realize remote work helps boost their bottom lines, working from home may soon be the norm.

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What to Do If Your Loan is Denied?
What to Do If Your Loan is Denied?
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At some point in your life, you’ll probably need a loan. Whether you’re preparing to buy your first home, a new car, or want to consolidate debt, there’s always a chance your loan request may be denied. While not being approved for a loan can be disheartening, don’t beat yourself up.

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How to Avoid Scams when Donating to Ukraine & Other Causes
How to Avoid Scams when Donating to Ukraine & Other Causes
Authored By: Genisys Credit Union on

Due to the events unfolding in Ukraine, people worldwide are standing up to help in any way they can. Unfortunately, these types of emergencies, whether they involve worldwide or local relief funds, are prime opportunities for scammers.

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How Can I Avoid Paying Private Mortgage Insurance
How Can I Avoid Paying Private Mortgage Insurance
Authored By: Genisys Credit Union on

Deciding to buy a new home can be very exciting – especially if it’s your first home. Most often, the first question you ask yourself is, “How much can I afford to spend?” While that’s a great question, the answer isn’t always clear-cut when it comes to home loans.

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New Baby Financial Tips
New Baby Financial Tips
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It's only natural if you find that the idea of becoming a parent is a frightening yet awesome responsibility. However, if you know the steps to take to ensure that your precious little one is protected as much as possible, you'll breathe easier.

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What is a Health Savings Account (HSA)?
What is a Health Savings Account (HSA)?
Authored By: Genisys Credit Union on

When working with a financial advisor for your retirement planning, they may suggest that you open a Health Savings Account (HSA). But what exactly is a health savings account, and how can it benefit you – both in retirement and for health-related expenses?

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What to Buy and What to Skip this Month
What to Buy and What to Skip this Month
Authored By: Genisys Credit Union on

The days are getting longer and warmer, and that means summer is just around the corner! Though April is a mid-season month without any major shopping holidays, you can still score some great deals.

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7 Tips to Save for Your First Car
7 Tips to Save for Your First Car
Authored By: Genisys Credit Union on

Buying your first car is an exciting experience! After all, with your very own vehicle, you can finally experience the freedom and independence you’ve been wanting. No longer will you have to ask for rides from your friends and family or rely on ridesharing services.

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Understanding Your Credit Card Rates
Understanding Your Credit Card Rates
Authored By: Genisys Credit Union on

Credit cards are one of the most widely used forms of payment these days. With the lure of rewards and the ease and convenience of payments, many turn to their credit cards first when making purchases.

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8 Ways to Curb Emotional Spending
8 Ways to Curb Emotional Spending
Authored By: Genisys Credit Union on

Everyone deals with stress and anxiety. Whether it’s work-related, issues at home, health problems, or something else, stress can weigh you down emotionally and physically.

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Financing Your Home Improvement Projects
Financing Your Home Improvement Projects
Authored By: Genisys Credit Union on

Your home is more than just a house. It’s where you create memories with friends and family. It’s a reflection of you and your personality. It’s a financial investment. And, since the pandemic started, it’s a place where you spend a lot of time!

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8 Ways to Combat Rising Inflation
8 Ways to Combat Rising Inflation
Authored By: Genisys Credit Union on

Anyone buying a new car, or even a cup of coffee, will notice that prices are going up. From utilities and groceries to filling your car at the pump, inflation is definitely on the rise affecting everyone’s finances in one way or another. As a result, many households are feeling the strain on their budgets.

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5 Tips When Starting Your Own Business
5 Tips When Starting Your Own Business
Authored By: Genisys Credit Union on

Whether starting your own business has been a lifelong dream or recent events encouraged you to try and monetize your unique skills and talents, there is much to consider before taking the plunge. While creating a business is relatively simple in terms of completing and filing forms, ensuring your success long-term requires greater planning.

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7 Reasons to File Your Taxes Early
7 Reasons to File Your Taxes Early
Authored By: Genisys Credit Union on

Filing your taxes can be a bit of a headache each year. While many people may have good intentions of filing as soon as they get their W-2s, the reality is people often procrastinate. Then, before they know it, the deadline sneaks up and forces them to reorganize their schedule to make time to file, causing a great deal of unnecessary stress.

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The Not-So-Obvious Reasons You Need an Emergency Fund
The Not-So-Obvious Reasons You Need an Emergency Fund
Authored By: Genisys Credit Union on

You can probably guess that an emergency fund is for financial emergencies just by the name. Everyone can agree that most financial challenges tend to pop up when they’re least expected.

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5 Tips to Curb Overspending
5 Tips to Curb Overspending
Authored By: Genisys Credit Union on

Nothing beats the joy of treating yourself! Many people feel drawn to the thrill of buying new items, pampering services, or tasty meals. However, overspending can become a financial problem when you’re not keeping track of your budget, leading to unwanted debt and stress.

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Tips to Stay Safe in a Digital World
Tips to Stay Safe in a Digital World
Authored By: Genisys Credit Union on

Keeping your financial accounts safe in today’s digital world is a growing challenge. Hackers are constantly coming up with new ways to gain access to your accounts through your computer and even your mobile devices.

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Quick Tips When Buying Pre-Owned Cars
Quick Tips When Buying Pre-Owned Cars
Authored By: Genisys Credit Union on

Buying a new car isn’t the only option. Today, it’s possible to save money and even make a better investment by purchasing a pre-owned vehicle. However, not every vehicle on the lot is a good buy.

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7 Resolutions for a Richer 2022
7 Resolutions for a Richer 2022
Authored By: Genisys Credit Union on

The New Year is a great time of renewal. That makes it a good time to make bold, decisive changes in your life. Leave behind the baggage that was 2021 and start fresh with a blank slate in 2022.

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Your Financial Year in Review
Your Financial Year in Review
Authored By: Genisys Credit Union on

The holiday has come and gone, so your mind is no longer focused on gift lists, decorations, travel plans, and family events. It’s time to shift your focus to something else - the end of the year is the perfect time to review your loans.

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6 Common Life Insurance Myths Debunked
6 Common Life Insurance Myths Debunked
Authored By: Genisys Credit Union on

Life Insurance seems like a boring, unnecessary item to pay for.  It’s something you can buy later in life, it’s too expensive --the excuses to avoid it are valid, right?

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5 Steps to Dealing with a Financial Setback
5 Steps to Dealing with a Financial Setback
Authored By: Genisys Credit Union on

Inevitably, life will eventually throw you a financial curveball. It may be something relatively minor, such as necessary car repairs. Or, perhaps it’s something more extreme, like a job loss. Either way, financial challenges are sure to pop up at some point in life.

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Building Habits Through Small Wins
Building Habits Through Small Wins
Authored By: Genisys Credit Union on

As the year comes to an end, you may be starting to think about all you want to accomplish in the new year. If you’re like most, some of your resolutions probably include either breaking an old habit or starting a new one. Whether your goals consist of losing a certain amount of weight or getting out of debt, the key to success is starting small.

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How to Build Credit
How to Build Credit
Authored By: Genisys Credit Union on

Building credit is a process that remains a mystery to many people. How can you build credit if no one extends credit until you have credit?

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10 Ways You Can Use a Home Equity Loan
10 Ways You Can Use a Home Equity Loan
Authored By: Genisys Credit Union on

You’ll often hear homeowners talking about tapping into their home’s equity to solve a variety of financial challenges. But what exactly is home equity? And if you do tap into your home’s equity, how can you use those funds? 

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What Happens If You Max Out Your Credit Cards?
What Happens If You Max Out Your Credit Cards?
Authored By: Genisys Credit Union on

Credit cards give you the convenience and freedom to shop practically anywhere, either online or offline, at any given time. However, this type of freedom can also create many financial hardships if not managed responsibly.  

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Fall Financial Clean Up Tips
Fall Financial Clean Up Tips
Authored By: Genisys Credit Union on

Adult woman cleaning outside home

For many, fall signifies the beginning of the end of the year. It’s a time when many people start to plan for the holidays and the new year. Whether it's about decorations, parties, gifts, travel, entertainment, or anything in between, the magic of fall is contagious. But did you know that fall is also one of the best seasons for financial planning ahead of the new year? 

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Understanding 401(k) Plans
Understanding 401(k) Plans
Authored By: Genisys Credit Union on

While retirement may seem like a lifetime away for some, making smart investing decisions early is the best move to ensure you can retire comfortably down the road. There are several retirement accounts to consider, such as Roth IRAs and 403(b) accounts, but one of the most popular options for many is a 401(k) plan. Since most employers offer an easy-to-set-up, low-risk employee 401(k) plan with matching contributions, taking advantage of this option is a no-brainer.

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How to Protect Family Members from Scams
How to Protect Family Members from Scams
Authored By: Genisys Credit Union on

Nowadays, everyone in the family is using technology - from kids to grandparents. These convenient digital tools instantly connect everything, from friends and family to financial accounts and shopping. Unfortunately, they also open the door to fraudsters.

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Where Will You Be [Financially] in 5 Years?
Where Will You Be [Financially] in 5 Years?
Authored By: Genisys Credit Union on

Woman smiling at computer

Everyone sets goals. Typically, these goals fall into two categories - short-term and long-term. Short-term goals may consist of saving for a well-deserved vacation or shedding 10 lbs. Long-term goals focus more on what you want to accomplish in life and retirement planning

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Money Goals for Kids
Money Goals for Kids
Authored By: Genisys Credit Union on

Family smiling on couch

It’s never too early to begin teaching your children the importance of saving money. Whether they receive tooth fairy money or earn a paycheck at their first job, these are all teachable moments that can have a tremendous impact on their future financial lives.

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Making Sense of Common Auto Loan Terms
Making Sense of Common Auto Loan Terms
Authored By: Genisys Credit Union on

Woman excited in a dealership

Whether you’re purchasing your first car or your seventh, buying a new vehicle is exciting. From the model, features, and color, you have many important decisions to make. However, that excitement can wane the minute you start talking about finances. 

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Smart Ways to Save for Retirement
Smart Ways to Save for Retirement
Authored By: Genisys Credit Union on

Woman pointing to piggybank

Retirement is an aspiration we all hope to reach – sooner rather than later! However, if you’re just starting your career journey, retirement can seem like a lifetime away. For others, it’s right around the corner, and you may be wondering if you’re genuinely prepared, financially speaking. 

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Tips for Credit Card Success
Tips for Credit Card Success
Authored By: Genisys Credit Union on

Man sitting on couch with credit card in hand

When you work diligently to pay off a credit card, nothing is more satisfying than seeing the balance hit $0. It’s a eureka moment – filled with accomplishment and freedom. And your next desire may be to shred the credit card and close the account. But is that the right move?

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How to Pay Off Loans Quicker
How to Pay Off Loans Quicker
Authored By: Genisys Credit Union on

Woman giving thumbs up

Sometimes loans and borrowing money can have a negative connotation. The truth is that loans are powerful instruments that can drastically improve your financial standing when used properly. Whether you’re investing in yourself through higher education, purchasing a home for your family, or just need cash flow for monthly expenses, loans often make the impossible possible. 

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The Pros and Cons of Buying a Car Online
The Pros and Cons of Buying a Car Online
Authored By: Genisys Credit Union on

Couple buying a car online

When looking to buy a new car, chances are you still consider local dealerships the place to go. However, as the world continues to turn more digital, innovative auto companies are changing the landscape and implementing online car buying. 

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Understanding the Home Inspection Process
Understanding the Home Inspection Process
Authored By: Genisys Credit Union on

Couple speaking with home inspector

Whether it’s your first or forever home, buying a new house is exciting! However, before you start daydreaming about how you’ll decorate and the future memories you’ll create, there is still much to do before you sign on the dotted line. 

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Should You Lease a Car?
Should You Lease a Car?
Authored By: Genisys Credit Union on

Couple smiling with keys in hand

If you’re in the market for a new car, you may be considering a lease as opposed to purchasing a vehicle outright. With shorter terms and typically lower monthly payments, leases offer many attractive benefits on the surface. However, understanding the ins and outs of a lease is essential before making your decision. Below we’ll explore the pros and cons of leasing so you can make the best decision for your financial situation.

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Partner with a Financial Advisor Early
Partner with a Financial Advisor Early
Authored By: Genisys Credit Union on

Woman smiling at camera

Many misconceptions come with the term “financial advisor.” For many, partnering with a financial advisor is something you do later in life as you approach retirement. Others may assume they cannot afford one, or they don’t have enough funds saved to justify their services. Before you put off working with a financial advisor, you must understand how their services can impact your financial future.

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Making the Switch to a Credit Union
Making the Switch to a Credit Union
Authored By: Genisys Credit Union on

Young adult standing outside building with cell phone in hand

In today's world, it’s not uncommon for people to have their money spread out among several different financial institutions. For example, many folks often have their checking or savings at one institution and loans at another. It’s even more common to carry multiple credit cards from various institutions in your wallet.  

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How to Avoid the Minimum Payment Trap
How to Avoid the Minimum Payment Trap
Authored By: Genisys Credit Union on

Man with stern look on his face

Credit cards offer one of the most convenient ways to pay for goods and services, especially in financial emergencies. However, it’s crucial to remember that credit cards are indeed loans and must be managed responsibly. 

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Buy Now, Pay Later: Is it a Good Idea?
Buy Now, Pay Later: Is it a Good Idea?
Authored By: Genisys Credit Union on

Woman smiling at computer with credit card in hand

Buy now, pay later (BNPL) programs almost seem too good to be true. You can actually walk away with that overpriced exercise bike, entertainment system, sectional sofa or anything else that caught your eye without having the money to pay for it now. And there are almost no eligibility requirements to qualify.

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10 Tips to Save Money at the Pump
10 Tips to Save Money at the Pump
Authored By: Genisys Credit Union on

Man pumping gas

While fuel prices will always fluctuate with the economy, there are many things you can do now to help you save more at the pump. So whether you’re planning a road trip or want to lower your everyday expenses, follow these ten money-saving tips.

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How Recent Grads Can Build Credit
How Recent Grads Can Build Credit
Authored By: Genisys Credit Union on

Making the transition from high school to college means you're in store for some significant changes in your life. Among those changes is the need to establish credit and build a solid credit score.

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Make Those Summer Plans… with a HELOC
Make Those Summer Plans… with a HELOC
Authored By: Genisys Credit Union on

Family at the beach

The temps are on the rise and you are thinking about your summer plans. Are you hoping to take a much-needed vacation with the family, bask in the sun while floating in your gorgeous pool, or even catch up on your summer reading in your new sunroom?

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10 Ways to Make Your Accounts More Secure
10 Ways to Make Your Accounts More Secure
Authored By: Genisys Credit Union on

Excited Woman with Mobile Phone In Hand

With online transactions increasing each year, it’s more important than ever for people to become vigilant in protecting their identity. Identity theft and fraud are on the rise, and scammers are becoming smarter and more creative with how they’re targeting people and their accounts. 

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What is VIN Cloning & How Does It Affect Me?
What is VIN Cloning & How Does It Affect Me?
Authored By: Genisys Credit Union on

VIN cloning is a crime that is growing in prevalence and can leave people, like you, obtaining loans for stolen vehicles. Once identified, these vehicles are seized and returned to their rightful owners, leaving you without a car and an unsecured loan that you must continue paying. At Genisys Credit Union, we want you to understand the risks of VIN cloning and the steps you can take to protect yourself.

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How to Take Advantage of Working from Home
How to Take Advantage of Working from Home
Authored By: Genisys Credit Union on

Young businessman working at home

Before the pandemic, most employers shunned the idea of their staff working from home. Fast forward a year, and many employees are happy to find this arrangement may become more permanent. Working from home provides many perks, including a slew of financial benefits you should capitalize upon immediately.

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Are You Living Beyond Your Means?
Are You Living Beyond Your Means?
Authored By: Genisys Credit Union on

Young woman with confused look on her face

If you find it challenging to make ends meet, financially speaking, it could be a sign that you are living beyond your means. It’s easy to get over-extended - especially with so many people living out loud with all their new purchases on social media. And online shopping only perpetuates these struggles due to its overwhelming ease and convenience. 

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Auto Refinancing - The Benefits and Risks
Paying for Your Wedding: Personal Loans vs Credit Cards
Paying for Your Wedding: Personal Loans vs Credit Cards
Authored By: Genisys Credit Union on

Young couple on their wedding day

Paying for a wedding is no small order. There are many details involved — and the entire process can be quite expensive. Many couples rely heavily on credit cards or a personal loan to get them through their weddings. But there is one choice that is almost always the better option. Here’s what you need to know about using credit cards compared to a personal loan to pay for your wedding.

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Best Home Improvements for Resale Value
Best Home Improvements for Resale Value
Authored By: Genisys Credit Union on

Couple painting walls in room

If you're considering selling your house in the future, it’s essential to understand the best home improvements for resale value. In order to get the most money for your house, your home must be in top-notch shape to attract buyers and get the highest offer possible — perhaps even a bidding war! Don't underestimate the value that even minor improvements to your home could add to your bottom line. 

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Understanding the Risks of Online Gambling
Understanding the Risks of Online Gambling
Authored By: Genisys Credit Union on

Young Man With Confused Face and Phone In Hand

Throughout history, gambling has been a popular pastime. Today, it’s even more accessible than ever before due to online gambling websites. Unfortunately, what can begin as an enjoyable pastime and opportunity to relieve stress, can present quite a few challenges — especially with the ease of gambling with your credit or debit card.

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7 Quick Tips to Boost Your Retirement Savings
7 Quick Tips to Boost Your Retirement Savings
Authored By: Genisys Credit Union on

Mature woman smiling

When it comes to saving for retirement, time is your best friend. The longer you’re able to allow compound interest to work in your favor, the better. However, even if you start saving early, it’s not uncommon to feel like you may be lagging in the retirement savings department. 

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How to Score a Better Deal on Your Next Car
How to Score a Better Deal on Your Next Car
Authored By: Genisys Credit Union on

Excited couple in the car dealership

Buying a car is an exciting time. There are so many possibilities. While your heart may be into the shiny little sports car on the lot, your budget may have something like a nice modest sedan or SUV in mind. This guide will help you narrow your focus so you really can score a better deal next time you buy a car.

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Tips to Help Teens Succeed in Their First Job
Tips to Help Teens Succeed in Their First Job
Authored By: Genisys Credit Union on

Teenager smiling in camera

That first job as a teen is almost as exciting as passing the driver’s test and getting a driver's license. There is a certain amount of freedom in both. One represents greater financial freedom, while the other represents freedom of movement. But, with this great independence comes even greater responsibility. 

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Spring Cleaning Your Finances
Spring Cleaning Your Finances
Authored By: Genisys Credit Union on

Smiling woman with spray bottle

Spring cleaning your home is probably not new to you. You declutter the garage, clean windows, wipe down baseboards, clear out your basement, and more. But, what about your finances? It pays to spend some time spring cleaning your finances too. Below are seven ways to get your finances in order.

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3 Assumptions a First Time Homebuyer Should Question
3 Assumptions a First Time Homebuyer Should Question
Authored By: Genisys Credit Union on

Young couple hugging on couch

The idea of purchasing your first home can be daunting.  You get advice from everywhere – your friends, parents, realtors, loan officers, and others.  Much of that information will be valuable. You should, however, also remember that any advice you receive comes through the filter of the person giving it.  What is best for them, may not be best for you.

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Bad Financial Habits – And How to Break Them
Bad Financial Habits – And How to Break Them
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Much of what we do day-to-day is driven by habit. Like with other bad habits that could bring you down, bad financial habits can also cause harm and frustration. Whether it’s paying thousands in interest or fees, having zero cash for emergencies, or damaging your credit score, poor financial habits need to be addressed and corrected.

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Tax Scams You Need to Know About
Tax Scams You Need to Know About
Authored By: Genisys Credit Union on

Surprised redhead sitting at table

Each year the IRS releases a list of tax scams that are currently affecting many individuals. The number of different scams seems to steadily increase each year, with fraudsters becoming more proficient in their targeting methods. This year, there is more for taxpayers to be mindful of with COVID-19 and economic impact payments setting the stage for tax scams. 

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10 Things to Do If You Lose Your Wallet
10 Things to Do If You Lose Your Wallet
Authored By: Genisys Credit Union on

Man with surprised look on his face

You don't think it will ever happen to you — and then it does. You lose your wallet. One minute you're walking around with your wallet securely in your pocket, and then next, it's gone. And you didn't even realize it was missing until it came time for you to pay for something. At first, you might panic. But, instead, stay calm and take these ten steps below right away.

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6 Tips for Getting Your First Credit Card
6 Tips for Getting Your First Credit Card
Authored By: Genisys Credit Union on

While it’s important to begin building your credit early, it’s even more important to build it responsibly. As early as 18, you’ll start to receive credit card offers. While these offers can be tempting, understanding all the details before accepting them is crucial. 

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7 Tips to Boost Your Mental Health
7 Tips to Boost Your Mental Health
Authored By: Genisys Credit Union on

With everything going on in the world right now, it’s easy to fall victim to stress and anxiety, which can negatively affect your mental health. However, there are some steps you can take to control how you respond to these stressors. 

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Keep the Vehicle You Have or Buy New?
Keep the Vehicle You Have or Buy New?
Authored By: Genisys Credit Union on

There’s nothing quite like the feeling of paying off a car and knowing that you no longer have that particular debt hanging over your head. Not only do you own the vehicle free and clear, but now you have extra money every month you can save or spend however you desire! 

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Steps to Take Before Applying for a Mortgage
Steps to Take Before Applying for a Mortgage
Authored By: Genisys Credit Union on

Family making house motion with hands

Purchasing a home is an exciting time, but it’s also a significant financial investment. Before you get ahead of yourself, you must understand what lenders will be looking for when applying for a mortgage and the upfront costs of buying a home. 

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Financial Disaster Recovery Mode
Financial Disaster Recovery Mode
Authored By: Genisys Credit Union on

Man looking at camera with serious face

As we sail into 2021, many Americans are struggling with the aftershocks of financial disaster. Whether it’s due to a layoff, a smaller workload, medical expenses or a change in family circumstances, the financial fallout of COVID-19 has been devastating for people in every sector of the economy.

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For the Love of Mobile Payments
For the Love of Mobile Payments
Authored By: Genisys Credit Union on

Couple Payment with Contactless Card

Why fumble for your wallet at checkout when you can just pay by using your phone?

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10 Ways to Save More in the New Year
10 Ways to Save More in the New Year
Authored By: Genisys Credit Union on

Mature Woman Holding Money

The New Year is a great time to set goals and start fresh. Even if you’re not the best at saving money or cash always seems to be tight, we have ten tips to help you quickly boost your savings this year.

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The Importance of Being Financially Fit
The Importance of Being Financially Fit
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Are you ready to stretch those financial fitness muscles? We hope so, because it’s time to get financially fit!

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Pros and Cons of Paying a Bill with a Credit Card
Pros and Cons of Paying a Bill with a Credit Card
Authored By: Genisys Credit Union on

Credit cards offer incredible convenience. With just a quick swipe or a linked account, a payment can be instantly processed. It seems like a no-brainer to use that convenience for taking the hassle out of paying bills. But, is it a smart idea to pay monthly bills with a credit card?

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Securing Your Home Devices: How & Why
Securing Your Home Devices: How & Why
Authored By: Genisys Credit Union on

Family sitting on couch smiling

With so many people using smart devices in their homes these days, it’s more important than ever to make sure they are secured. Since these devices connect directly to the Internet, you may not realize they collect and share your data. Therefore, it's essential to understand how they work — and, more importantly, how you can secure them.

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Tools that Make You the Boss of your Account!
Tools that Make You the Boss of your Account!
Authored By: Genisys Credit Union on

Young man standing in kitchen on mobile phone

If downloading the Genisys Mobile App wasn’t the first thing you did after opening an account, we’ll wait a minute while you download. :) After registering and logging in, you’ll see your accounts and the obvious features that any mobile banking app should have; transfer money, bill pay, mobile deposit, etc. 

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Financial Tips for Dealing with a Second Wave of COVID-19
Financial Tips for Dealing with a Second Wave of COVID-19
Authored By: Genisys Credit Union on

Woman sitting at computer

The first wave of COVID-19 left many feeling financially unprepared, which is completely understandable since none of us were ready to deal with the consequences it brought. However, with the thought of another wave coming, it’s essential to take steps now to prepare yourself financially for it.

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5 Steps to Take After Being Hacked
5 Steps to Take After Being Hacked
Authored By: Genisys Credit Union on

Man looking at camera

Finding out someone has cracked open your accounts and helped themselves to your information can be alarming, but there are ways to mitigate the damage while jump-starting your recovery process.

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Holiday Loans - The Better Option for Holiday Expenses
Holiday Loans - The Better Option for Holiday Expenses
Authored By: Genisys Credit Union on

Couple holiday shopping

If you’re like most, you may not have money saved this year for the holidays. Likewise, you may be tempted to rely on credit cards for this year’s holiday expenses. However, this may do more damage to your finances in the long run. Not to mention, if you already have outstanding balances on your credit cards, adding new expenses to them can result in more financial challenges. 

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4 Tips to Pay Off Your Credit Card Debts
4 Tips to Pay Off Your Credit Card Debts
Authored By: Genisys Credit Union on

Mature Male Smiling at Camera with Credit Card in Hand

If you’re struggling with credit card debt, it can feel as though you’re drowning in quicksand. The more you struggle to get out of this high-interest rate debt, the deeper in debt you appear to be. There are things you can do, though, that will help you free yourself, once and for all, from credit card debt. These four tips can help.

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What Could Impact Your Home Loan Approval?
What Could Impact Your Home Loan Approval?
Authored By: Genisys Credit Union on

Mature couple standing outside of home

Buying a home is the American dream. And, if you’re like most, you’ll probably have to obtain a home loan to make that dream come true. However, many factors can affect your home loan approval. Here is a list of some of the reasons your loan may not be approved. 

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4 Reasons Retirement Planning Starts Early
4 Reasons Retirement Planning Starts Early
Authored By: Genisys Credit Union on

Young family smiling at camera

It’s never too early to begin planning for your retirement. In fact, the earlier you start your planning, the greater security you’ll have when the time for retirement arrives. Many people in their 20s and 30s view retirement as something that is so far in the future that it’s hard to make it a priority. Honestly, it’s likely the last thing on your mind. After all, your career is just beginning.

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Refinancing Loans to Boost Your Savings
Refinancing Loans to Boost Your Savings
Authored By: Genisys Credit Union on

Adult Woman Smiling While at Computer

Let’s be honest… saving money isn’t always as easy as it sounds. You create a monthly budget and do your best to follow it, but something always pops up to throw you off track. Plus, there are only so many ways to cut back your spending. Sure, you can switch cable providers or phone plans, but those savings are usually minimal. You want to save money… a sum of money you can actually see in your accounts. 

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7 Home Improvement Hacks That Won't Break the Bank
7 Home Improvement Hacks That Won't Break the Bank
Authored By: Genisys Credit Union on

Excited woman doing home improvement projects

If you’re like most of us, you’ve had extra time to scrub and purge your home from top to bottom. And now, with every surface, closet, and room sparkling clean, you’re starting to see all the areas that could use a facelift. Like your kitchen that needs a complete overhaul, fresh paint on the walls, or even new window treatments.

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Are Apps Killing Your Budget?
Are Apps Killing Your Budget?
Authored By: Genisys Credit Union on

Woman Sitting on Couch with Mobile Phone

While there is most likely an app for that, all these apps could be killing your budget. You will be amazed at the wide range of useful apps available for your home computer, mobile devices, tablets, and more. With so many apps available, it’s important to be selective about which apps you choose and how you use them.

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Tips to Avoid Fraud While Online Shopping
Tips to Avoid Fraud While Online Shopping
Authored By: Genisys Credit Union on

Adult woman sitting at computer with credit card in hand.

The pandemic is certainly a moment in history that will be remembered forever. With this period of uncertainty and isolation, we’ve found a way to “cope” by changing the way we shop. U.S. eCommerce sales have risen 25% since March. Online shopping is convenient and you can often shop from the comfort of your own home - no wonder it’s becoming so popular!

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Saving for Their Future
Saving for Their Future
Authored By: Genisys Credit Union on

Mother and Daughter Hugging on Couch

It’s no secret you want the best for your children. What good parent doesn’t?  You want them to have great friends, a solid education, and, in general, the best life possible. One way you can help considerably is by starting a savings account for them and developing a plan to add to it regularly.

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Tips for First-Time Homebuyers
Tips for First-Time Homebuyers
Authored By: Genisys Credit Union on

Family unpacking boxes at new home

Buying your first home can seem intimidating. Between determining your budget, considering various neighborhoods, and having to go through multiple homes to find the perfect one can be time consuming and exhausting. But the truth is, if you know what to expect from the first-time home-buying process you’ll have a much easier time!

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Life Lessons Learned During the Pandemic
Life Lessons Learned During the Pandemic
Authored By: Genisys Credit Union on

Woman smiling at camera

If someone would have approached us a year ago and told us that, in 2020, the country would essentially shut down for three months; the busiest places in cities across the world would be empty of traffic; schools and colleges would close for an entire semester and blockbuster releases would be put on hold, we probably would not have believed them.

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Should Your Freshman Have a Credit Card in College?
Should Your Freshman Have a Credit Card in College?
Authored By: Genisys Credit Union on

Young Woman Holding Credit Card

Though we aren’t sure what classes will look like, you are likely planning to send your child off to college in the fall. One thing that may be on your mind is whether or not your child should have their own credit card.

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Good Debt vs. Bad Debt, What's the Difference?
Good Debt vs. Bad Debt, What's the Difference?
Authored By: Genisys Credit Union on

Mature couple curious about bills

You might be under the impression that all debt is bad. That simply isn’t the case. While no one likes to owe money, some loans can help you become more financially secure and provide you with opportunities to improve your current financial situation further.  

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How to Avoid Buying Too Much Car
How to Avoid Buying Too Much Car
Authored By: Genisys Credit Union on

Young Man Smiling In Car

Car shopping can be exciting. As you begin to focus on various car-shopping websites for the best deal, you might find yourself exposed to a wider variety of options. While everyone would like all the bells and whistles that a new or new-to-you car can provide, do you really need them? More importantly, what are the final costs for these bright and shiny new objects? Can you afford it? 

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Getting Financially Prepared to Buy a Home
Getting Financially Prepared to Buy a Home
Authored By: Genisys Credit Union on

Couple sitting with computer at the table

Buying a home is one of the most exciting things you will do in a lifetime! Whether you are buying your first home or you’re moving up to what will be your forever home, financial preparation is essential. It’s not just about credit scores and down payments, though those are certainly necessary. You must begin with the basics:

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COVID-19 Scams Continue
COVID-19 Scams Continue
Authored By: Genisys Credit Union on

Man with confused look on his face.

As businesses start reopening and people begin returning to work throughout the country, the initial thought was that COVID-19 scams would cease. Unfortunately, that isn’t the case. If anything, they are continuing. Some might even say they are growing as people begin to return to the office, and life begins to take on the appearance of a new normal. Scammers are viewing this as an opportunity to use COVID-19 for their own purposes. 

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Make Those Summer Plans... With a HELOC
Make Those Summer Plans... With a HELOC
Authored By: Genisys Credit Union on

Happy family sitting on couch

The temps are on the rise and have you thinking about your summer plans. Are you hoping to take a much-needed vacation with the family, bask in the sun while floating in your gorgeous pool, or even catch up on your summer reading in your new sunroom?

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Make Budgeting a Family Thing
Make Budgeting a Family Thing
Authored By: Genisys Credit Union on

Family smiling at camera

Financial education begins at home. What's one way that you can teach your kids the importance of setting financial goals, saving money, and watching what they spend? By involving them in the process of creating your family's budget.

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HELOC: Your Emergency Lifeline
HELOC: Your Emergency Lifeline
Authored By: Genisys Credit Union on

Unexpected expenses or emergencies can be devastating to your finances. One medical bill can set you back hundreds, if not thousands, of dollars. Even smaller financial problems, such as finding the money to perform repairs in your home, can leave you without any way to make ends meet.

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Quick Tips to Prevent Fraud
Quick Tips to Prevent Fraud
Authored By: Genisys Credit Union on

Man sitting at computer making the thumbs up motion

Fraud prevention can take some effort, but it's definitely worth it. Protecting your "worth" is the best way to ensure a healthy future in financial terms. Common sense goes a long way towards keeping your accounts secure, but constant awareness of the risk is not considered paranoid today. It's all too easy to become a victim. 

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Why Personal Loans May Be the Best Choice
Why Personal Loans May Be the Best Choice
Authored By: Genisys Credit Union on

Woman smiling and holding two thumbs up

Many people turn to credit cards when financial fires need to be put out quickly. While credit cards can serve an important purpose for helping out in financial jams, they aren’t always the best options for people to consider. 

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Keep Your Credit Cards From Wrecking Your Credit
Keep Your Credit Cards From Wrecking Your Credit
Authored By: Genisys Credit Union on

Young Man Shopping Online with Credit Card

When you start working and paying your own bills, it doesn’t take long to realize that a credit card is a necessary financial tool.  You need a credit card to complete many transactions even if you don’t need to go into debt.  Plus, without a credit card, your credit score may not be as high as it can be. 

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Prioritizing Your Bills During a Financial Crunch
Prioritizing Your Bills During a Financial Crunch
Authored By: Genisys Credit Union on

Couple viewing bills at a table

For the last several weeks, our vibrant, active country has been put on pause. Busy thoroughfares are now empty of pedestrians and vehicles, as millions of Americans have been sheltered in place to slow the spread of the coronavirus. Forced leave of work has left many wondering if and when they’ll receive their next paycheck.

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Do's and Don'ts of Investing During a Crisis
Do's and Don'ts of Investing During a Crisis
Authored By: Genisys Credit Union on

Mature couple reviewing finances at home

The current crisis has many people more than a little nervous about investing. Wall Street appears to be struggling to get a handle on the ups and downs of the news cycle, and that makes people at all levels of experience more apprehensive about investing.

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Your Car Misses You... and Driving
Your Car Misses You... and Driving
Authored By: Genisys Credit Union on

With shelter-in-place restrictions imposed in most every state, millions of cars are sitting motionless in garages and driveways across the country. While staying home is the best way to stay safe these days, it might not be the best thing for your car.

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To Spend or Save Your Stimulus Money? That is the Question.
To Spend or Save Your Stimulus Money? That is the Question.
Authored By: Genisys Credit Union on

Adult Man Pondering

The COVID-19 Government Stimulus money has started to hit American’s bank accounts.  What are you going to do with it? Spend it or save it? Oftentimes when we get a payout, whether it is the stimulus money, your annual income tax refund, or you’re lucky a lottery winner, we think, “How am I going to SPEND it?”

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Refinancing Your Loans During COVID-19
Refinancing Your Loans During COVID-19
Authored By: Genisys Credit Union on

Couple sitting on couch with computer

With all the uncertainty surrounding COVID-19 and the world’s financial markets, the Federal Reserve cut interest rates in the U.S. which creates an incredible opportunity for people considering refinancing loans of almost every kind.

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The Perks of Going Mobile
The Perks of Going Mobile
Authored By: Genisys Credit Union on

Woman sitting on floor in living room with cell phone

If you're worried about how to do your everyday financial tasks while social distancing and staying home, worry no more - we are here to ease any stress. With mobile banking, handling your finances remotely can be convenient even after COVID-19 passes. 

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Financial Dos and Don'ts During the Coronavirus Outbreak
Financial Dos and Don'ts During the Coronavirus Outbreak
Authored By: Genisys Credit Union on

Couple Reviewing Bills

Times are unsettling for many Americans facing reduced hours, changing work functions and uncertain financial days ahead. With COVID 19 spreading, it’s more important than ever to take the reins on your finances and manage them carefully. 

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While You’re Home, Spend Your Time Productively
While You’re Home, Spend Your Time Productively
Authored By: Genisys Credit Union on

Woman sitting in her living room after doing yoga

While COVID-19 is keeping us at home, we have the time to do some things that have been on our endless “to do” or “want to do” list. While it may, at first, sound like a dream come true, sitting at home in your PJs, binge-watching a new TV series while eating your way through gallons of ice cream, it can get old rather quickly.

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Beware of Coronavirus Scams
Beware of Coronavirus Scams
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Woman looking at computer with her eyeglasses down

Scammers are notorious for capitalizing on fear, and the coronavirus outbreak is no exception. Scammers have set up fake websites, bogus funding collections and more in an effort to trick the fearful and unsuspecting out of their money.

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Keeping Your Spending in Check
Keeping Your Spending in Check
Authored By: Genisys Credit Union on

Young Woman Doing Paperwork at Kitchen Table

Trying to keep your spending in check is a lot harder than it sounds, especially since it is so easy to make purchases these days. All it takes is a couple quick clicks of a button, and you can purchase anything from groceries to furniture to a new car.  Consumers frequently get into situations where they overspend and can’t live comfortably because their bills are too high.

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Round Up Your Home Loan Payments to Save BIG!
Round Up Your Home Loan Payments to Save BIG!
Authored By: Genisys Credit Union on

Family Holding Cardboard Roof Above Head

Taking out a mortgage is a long-term commitment. What if we told you there are some simple ways to maximize your loan payments, minimize the time it takes to pay off your mortgage, and you can save a lot of money all at the same time?

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Why You Shouldn't Cut Up Your Credit Cards
Why You Shouldn't Cut Up Your Credit Cards
Authored By: Genisys Credit Union on

Woman Smiling with Credit Card in Hand

One of the most persuasive pieces of advice we hear about credit card spending is to limit how much you use them in an effort to reduce debt. In fact, we may even hear advice about paying off all our credit cards and then cutting most of them up until you have one left to use in an emergency.

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It Costs How Much To Get Married?
It Costs How Much To Get Married?
Authored By: Genisys Credit Union on

Two Young Adults On Their Wedding Day

Peak wedding season is around the corner, are you ready? According to a new report by a leading wedding magazine, The Knot, the average American wedding costs $33,900. That number includes the cost of an engagement ring, but not the expenses from a honeymoon. 

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Auto Refinancing - The Benefits & Risks
Auto Refinancing - The Benefits & Risks
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Friends Driving in a Car Should I refinance my auto loan? Is it worth my time? Will it benefit me?

Refinancing an auto loan can be fast, easy, and painless but there can also be risks with refinancing an auto loan so before you refinance your loan ask yourself these questions:

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Financial Planning for the New Parent
Financial Planning for the New Parent
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Family with Young Baby Looking at Camera

The first few months after you bring your baby home is an exciting time that can also be a bit stressful.  It’s easy to get caught up in sleepless nights, organic baby food and reading every book you can find.

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 7 Surprise Savings Tricks
7 Surprise Savings Tricks
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How can I save money? How can I be financially prepared for an emergency? Can I get that new iPhone 11 without making payments for 24 months?

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3 Strategies for Improving Your Credit Score
3 Strategies for Improving Your Credit Score
Authored By: Genisys Credit Union on

Woman sitting at computer

Your credit score is a number you need to know. This score is a numeric representation of your ability to pay your bills on time and maintain good credit use. Lenders of all types, some employers, insurance companies and others use this score to determine how trustworthy and reliable you are. It pays to do your best to ensure it is the highest it can be.

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How Men and Women Manage Money Differently
How Men and Women Manage Money Differently
Authored By: Genisys Credit Union on

Man and Woman At Computer Looking Over Bills

Over the last century or so, society has made tremendous strides toward gender equality on every level — and this includes basic money management. Today’s culture has further narrowed the gap between the sexes, and the stereotypes of the “overspending wife” and “overworked husband” are a thing of the past.

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Are You Ready to Buy a Home?
Are You Ready to Buy a Home?
Authored By: Genisys Credit Union on

Couple holding structure of house around faces

So you think you’re ready to buy a home, congrats! But if you find yourself asking, “When is the best time to buy a home?” You’re asking the wrong question. The question is whether YOU are ready to buy, not if it’s the best time to buy. Buying a home is one of the biggest financial decisions and investments you will ever make. Are you ready? To help answer that question, we’ve put together several points to help you on your journey.

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Why Saving Money is the Easiest Exercise You Will Ever Do
Why Saving Money is the Easiest Exercise You Will Ever Do
Authored By: Genisys Credit Union on

Couple running outside in winter months

If you have ever made a resolution to get into shape or lose weight, you know how establishing a habit works. You sign up for a gym membership, get some kind of awesome workout gear and learn to love eating kale. 

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7 Resolutions for a Richer 2020
7 Resolutions for a Richer 2020
Authored By: Genisys Credit Union on

The New Year is a great time of renewal. That makes it a good time to make bold, decisive changes in your life. Leave behind the baggage that was 2019 and start fresh with a blank slate in 2020.

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Getting You Through The Winter Blues
Getting You Through The Winter Blues
Authored By: Genisys Credit Union on

Woman Taking a Selfie with Winter Background Winter brings cozy fires, happy holidays and fun sports like ice skating and skiing. It can also bring some things that are less welcome. With sunshine being scarce, many people get the winter blues.

This depressed state is often made worse by the financial realities of winter, which include higher energy costs and money spent on holiday festivities.  Here are some ways to get proactive and beat the blues before they start.

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How to Dispute Errors on Your Credit Report
How to Dispute Errors on Your Credit Report
Authored By: Genisys Credit Union on

Even though it seems strange in this world of autonomy, there are things that still rely heavily on us humans… including what is reported on your credit report. And we know that, as humans, we are imperfect. That’s why it is so important that you review your credit reports from each of the 3 credit reporting agencies once a year to report any inaccuracies that may impact your credit rating. We like annualcreditreport.com for free yearly credit report checking.

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Make the Nice List with Your Credit Card Use
Make the Nice List with Your Credit Card Use
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It’s that time of year again. With holiday spending season upon us, it’s time to broach an uncomfortable subject: how to pay for all that joy and goodwill.

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Setting REAL Financial Goals
Setting REAL Financial Goals
Authored By: Genisys Credit Union on

Man smiling with hands clasped in front of computer

Reaching financial goals requires discipline — discipline that, let’s face it, many of us don't have! We can't pass by the coffee shop in the morning without stopping for a large java and breakfast sammie. Or we're tempted when we see that big screen television on sale and we're convinced we need to upgrade to that new iPhone®.

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When is the Best Time to Buy a Car?
When is the Best Time to Buy a Car?
Authored By: Genisys Credit Union on

Woman at dealership with two salesman to find out if she can get a car

With the purchase of a new car comes a lot of decision-making. You may be going through the different makes and models trying to narrow down your choices, but you may also want to consider when the best time to buy is. While it seems that dealerships are always running ads with special deals, there are actually specific time periods where you can get the best deals. 

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6 Times a Bargain Is Not a Bargain
6 Times a Bargain Is Not a Bargain
Authored By: Genisys Credit Union on

Young woman with a questioning look on her face

Who doesn’t love a good sale? You see the lines of people waiting outside the stores on Black Friday each year, trying to get the best deal on that must have item. But the sale price sometimes isn’t the best price and your much needed retail therapy session may end up being not so therapeutic. 

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Save Money While Grocery Shopping
Save Money While Grocery Shopping
Authored By: Genisys Credit Union on

Young Family Grocery Shopping with Cart

Grocery shopping can sometimes be overwhelming and expensive if you aren’t prepared. That’s why we’re here to give you the scoop on saving money at the grocery store. Here’s how:

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It's Halloween, So Let's Talk Christmas Shopping!
It's Halloween, So Let's Talk Christmas Shopping!
Authored By: Genisys Credit Union on

Woman Smiling with Shopping Bags

The leaves have changed, the weather is getting cooler, what does this all mean? It’s time to start thinking about Christmas.

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The Dos and Don’ts of Credit Repair
The Dos and Don’ts of Credit Repair
Authored By: Genisys Credit Union on

Young Man Looking Reading Document in Front Of Computer

The average amount of credit card debt increased 2.4% in 2018 from 2017. The average American carries a balance of $6,506 in credit card debt. Thinking of paying off your credit cards, but not sure where to start? 

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7 Credit Union Myths Debunked
7 Credit Union Myths Debunked
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Young Woman Giving Thumbs Up What do you know about credit unions? Is it possible what you think you know is not actually the truth?

Ever since President Franklin Roosevelt signed the Federal Credit Union Act into law in 1934, the credit union industry has been growing and evolving.

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6 Tips to Managing Debt
6 Tips to Managing Debt
Authored By: Genisys Credit Union on

Young Couple Examining Finances

Managing debt can seem like a never ending chore, but there is a light at the end of the tunnel. Having a plan set in place will help you through this process, so take a look at a few tips to help make managing debt a bit easier. 

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How To ID A Robocall
How To ID A Robocall
Authored By: Genisys Credit Union on

Young woman thinking while on her cell phone

We’ve all received a call from an unknown number and upon answering, cue the automated recording claiming to be a legitimate business. These calls are illegal and commonly known as robocalls. Robocalls are becoming increasingly common - in 2018, nearly 47.8 billion calls were placed.

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How to Save for a Down Payment on a House
How to Save for a Down Payment on a House
Authored By: Genisys Credit Union on

Young couple smiling on floor of their new house.

Saving to buy a home can seem like a daunting task, especially when you think you have to save 20% for the down payment. Let’s face it, unless you live in an area with a low cost of living, coming up with that type of cash can be discouraging. 

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A New Way to Scam: Electronic Payment Apps
A New Way to Scam: Electronic Payment Apps
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Applications like PayPal and Venmo offer the convenience of sending money electronically. Instead of the old “I’ll pay you back,” we can now say “I’ll send it to you.” The ability to pay your friend, coworker or family member immediately is awesome, right? 

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How To Make Sure Your Car Is FULLY Insured
How To Make Sure Your Car Is FULLY Insured
Authored By: Genisys Credit Union on

Woman Smiling Inside Car Working hard to save up money for your first car purchase is quite a feat but if you don’t have the right insurance to protect your investment, you may end up losing money if something happens to your car.

GAP is not just a clothing store at the mall. Guaranteed Asset Protection (GAP) is a valuable insurance policy product that ensures your new ride is extra protected.

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How To Decorate Your Dorm For Less
How To Decorate Your Dorm For Less
Authored By: Genisys Credit Union on

Group of college students in a dorm hallway holding boxes

Lets face it, college dorm rooms are cold, blank canvases just waiting for the next student to add their personal touch. You’re excited to finally have your independence and dive into adulthood, but who would have thought the tiny space where you will study, create new memories and live for a year or more could be so expensive? 

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How To Shop For A Used Car
How To Shop For A Used Car
Authored By: Genisys Credit Union on

Young man sitting in car, smiling and holding up a set of keys.

Shopping for a used car can be confusing, frustrating and downright scary at times. Once you’ve weighed your options and decided a used car is the way to go, follow this guide to finding and purchasing the right car. 

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From Piggy Bank Saver To Financial Genius Investor
From Piggy Bank Saver To Financial Genius Investor
Authored By: Genisys Credit Union on

Young Children Excited and Holding Money

Most people with children have a desire to be a fantastic parent. There is so much to navigate when raising kids like parenting styles, which boundaries to set or which foods to feed them.  But don’t overlook one of the most important things that can be done: helping children save for their future.

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Fighting Fraud One Good Habit At A Time
Fighting Fraud One Good Habit At A Time
Authored By: Genisys Credit Union on

Young Woman Sending Text Message With an Open Hand Doing Stop Sign

Theft is a scary thing to think about, especially when your identity and hard earned money can be on the line. Personal identity is one of the most precious things we own and it carries much more weight than one would expect. Protecting your identity can be difficult, especially when it’s something used every day in every situation.

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10 Hacks To Save Money While Dining Out
10 Hacks To Save Money While Dining Out
Authored By: Genisys Credit Union on

Two Women Eating Pizza Outdoors

Dining out is a great way to unwind and socialize with friends and family, but it can take a huge bite out of your budget. No worries—we’re not going to try convincing you to give up your favorite restaurant. Instead, consider these hacks to trim your bill when dining out. 
 

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4 Times You Should Consider A Financial Planner
4 Times You Should Consider A Financial Planner
Authored By: Genisys Credit Union on

Smiling Man Touching Chin

Planning for retirement? Having a baby? Looking to invest in stocks, but unsure where to start? Juggling these tasks on your own can become overwhelming, but with the help of a financial advisor, they can guide you through the process in helping it all make sense. 

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3 Assumptions A First Time Home Buyer Should Question
3 Assumptions A First Time Home Buyer Should Question
Authored By: Genisys Credit Union on

Woman Thinking About a Decision

The idea of purchasing your first home can be daunting.  You get advice from everywhere – your friends, parents, realtors, loan officers, and others.  Much of that information will be valuable. You should, however, also remember that any advice you receive comes through the filter of the person giving it.  What is best for them, may not be best for you.

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How To Vacation On A Budget
How To Vacation On A Budget
Authored By: Genisys Credit Union on

Piggy bank with sunglasses on beach

Summer is finally here and it’s time to plan your next well-deserved vacation. Learning to plan a vacation on a budget could be a lot of work, but below are a few tips. We are going to cover a few main expenses when planning a vacation.

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Do You Have $233,000 in the Budget To Raise a Child?
Do You Have $233,000 in the Budget To Raise a Child?
Authored By: Genisys Credit Union on

There’s a lot you have to plan and save for when thinking about the future. Saving for retirement should be at the top of your list. But if you’re planning on buying a home or having a family at some point, you’ll need to start saving for those costs as soon as possible, too. It may sound crazy to a non-parent, but the average cost of raising a child in the U.S. has surpassed $200,000.  

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The Importance of Beneficiaries on Your Accounts
The Importance of Beneficiaries on Your Accounts
Authored By: Genisys Credit Union on

It’s a tough topic and conversation to have, but deciding on who will handle your affairs and assets if you pass away is so important regardless of what financial position you are currently in. Wills and trusts are an important piece, but an additional, simple step is to designate beneficiaries.

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Should I Refinance My Home Mortgage?
Should I Refinance My Home Mortgage?
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Buying your first home is exciting. The experience can also be a bit confusing when obtaining your home financing. While it may seem that the decisions about financing end at the mortgage closing, that’s not necessarily the best tactic for your finances.

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7 Signs You're Living Beyond Your Means and How to Fix It
7 Signs You're Living Beyond Your Means and How to Fix It
Authored By: Genisys Credit Union on

Do you have champagne taste on a beer budget? Or maybe a lender has told you that you’re over extended? Either way, it boils down to spending more money than you actually bring home throughout the year. Here are some of the tell-tale signs of living beyond your means and what you can do to fix it.

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Secured vs. Unsecured Loans - Which Is Right For Me?
Secured vs. Unsecured Loans - Which Is Right For Me?
Authored By: Genisys Credit Union on

Life comes at you fast. One day your finances are in order, and then, just after you paid for your dream vacation, your car breaks down, you receive a hospital bill you weren’t expecting, and your refrigerator quits working.

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Ready for Summer Vacation? Watch Out For Digital Identity Thieves
Ready for Summer Vacation? Watch Out For Digital Identity Thieves
Authored By: Genisys Credit Union on

Summer is almost here, and with it comes a bit of rest and relaxation for millions of people around the world. It is clear workers eagerly anticipate summer vacations with 68 percent of people taking a summer vacation in the last year. Vacations create special memories and experiences that we all cherish, but they also open us up to be the perfect target for identity thieves.

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10 Savings Tips Your Future Self Will Thank You For
10 Savings Tips Your Future Self Will Thank You For
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Does it seem like saving money is a luxury you can’t afford?  Do you have good intentions to save, but unexpected needs always seem to arise?  Are you counting on your “future self” to come to the rescue?

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3 Reasons To Avoid The Free Trial Trap
3 Reasons To Avoid The Free Trial Trap
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FREE Trial Offer….. many new products and services come with these enticing words and sway many consumers to feel as if it is a great deal.

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7 Reasons Not To Skip a Home Inspection
7 Reasons Not To Skip a Home Inspection
Authored By: Genisys Credit Union on

Shopping for a new home can be an exciting blur of listings, neighborhood scouting and open houses. There’s so much to consider! You want a house in the perfect neighborhood with that gorgeous kitchen and great yard, all within your budget.

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9 Steps To Buying Your First Car
9 Steps To Buying Your First Car
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The process can be daunting when you don’t know what to expect, so let us walk you through the process. Follow our guidelines for a stress-free ride!

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Don't Get Caught in a Crowdfunding Scam
Don't Get Caught in a Crowdfunding Scam
Authored By: Genisys Credit Union on

There never seems to be a shortage of scams that are out there just waiting to take our money. One of the most recent trends in scamming is something called “Crowdfunding.” For the unaware, crowdfunding is simply a way for a group of people to support a cause, project, or person that otherwise might not have the tools or resources to raise money.

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Tax Return Not What You Expected? Here's What You Need to Know.
Tax Return Not What You Expected? Here's What You Need to Know.
Authored By: Genisys Credit Union on

Are you hoping to get a refund from your 2018 tax return? Many people intend to use their refund as a “forced savings plan” (essentially withholding extra taxes on purpose so that they get a larger refund at the end of the year, instead of being tempted to spend it during the year). 

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Ready to Buy a House? Don't Forget This 1st Step!
Ready to Buy a House? Don't Forget This 1st Step!
Authored By: Genisys Credit Union on

You’re ready to purchase a home. You have a steady job, some savings for a down payment, but you aren’t sure what to do next.

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Why is My Credit Score so Low and How Can I Improve It?
10 Ways To Stay Safe Online
10 Ways To Stay Safe Online
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With hacks, scams, malware and more, the Internet can feel like a dangerous place these days. And, the recent increase in devices, from smartphones and tablets to Internet-connected appliances, has opened us up to even greater risks. Criminal Internet activity seems to continue to rise making online safety a concern. The FBI received more than 300,000 complaints in 2017 with more than 1.4 billion in reported losses.

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3 Questions to Answer before Signing That Car Lease
3 Questions to Answer before Signing That Car Lease
Authored By: Genisys Credit Union on

The timing is right for a new car.  Your trusted friend has taken you everywhere for the last several years but is starting to wheeze, squeak, and sputter.

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A Credit Building Guide for College Students
A Credit Building Guide for College Students
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Establishing credit while you're in college can help make the transition into post-graduation life much easier.

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How to Finance Home Renovations
How to Finance Home Renovations
Authored By: Genisys Credit Union on

If cabin fever has you looking closer at your home and wishing things were different, maybe this can be the year you take on a renovation project. Whether you’re gutting your entire kitchen or turning your basement into a home theater, you have several choices when it comes to funding a home renovation, but which one makes the most sense?

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3 Expert Tips for Making the Most of Your Raise or Bonus
3 Expert Tips for Making the Most of Your Raise or Bonus
Authored By: Genisys Credit Union on

Everyone loves a good bonus or raise—and we understand why! That extra income not only helps you feel rewarded at work but it also just makes life a little bit easier.

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Beware of These "Dirty Dozen" Tax Scams for 2019
Beware of These "Dirty Dozen" Tax Scams for 2019
Authored By: Genisys Credit Union on

Everyone has heard of the "Dirty Dozen," when it comes to your fruits and vegetables but have you heard about the Dirty Dozen scams that are rampant during this year's tax season?

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10 Warning Signs of Too Much Debt and What You Can Do
10 Warning Signs of Too Much Debt and What You Can Do
Authored By: Genisys Credit Union on

If you have debt, understand that you are not alone. It’s ok to use credit to make purchases — such as a home, furniture, or even a college education — but remember, there is a cost associated with that in the form of interest.

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A New Year's Resolution for Identity Protection
A New Year's Resolution for Identity Protection
Authored By: Genisys Credit Union on

New Year’s Eve is always a worldwide celebration.  In the U.S., people watch the ball drop in Times Square in New York City. Canadians embrace the winter with ice fishing and polar bear swims. Revelers swing flaming fireballs at Hogmanay in Scotland and the Danes smash china for good luck.

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20% Down Home Buying Myth
20% Down Home Buying Myth
Authored By: Genisys Credit Union on

Owning a Home -- for a lot of people that is the all American Dream. If that's your dream, you are likely saving up, dollar by hard-earned dollar, until you have that magic number: 20% of your dream home's total value.

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New vs. Used Cars
New vs. Used Cars
Authored By: Genisys Credit Union on

The new year seems to bring goals and changes for lots of people. Is this the year you change the vehicle you are driving? If Trusty Rusty is on his last legs you may need to spring for a new vehicle or buy a pre-owned one?

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Federal Student Loan Relief is Possible
Federal Student Loan Relief is Possible

If you recently graduated from college, there’s a good chance you are carrying student loan debt. Sources report that 60% of grads leave school owing on student loans.

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The 6 Do's and Don'ts of Credit Repair
The 6 Do's and Don'ts of Credit Repair
Authored By: Genisys Credit Union on

If you’ve recently been rejected from a credit application of any kind, you may be looking at a poor credit score for any number of reasons. You may have been late with your credit card payments, have an outstanding judgment against you or have even been defrauded or victimized by identity theft.

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The Early Retirement Costs You May Not Be Considering
The Early Retirement Costs You May Not Be Considering
Authored By: Genisys Credit Union on

Retiring early is the dream. You get to spend more time with your family and enjoy your hobbies while you’re healthy enough to do so. You can say goodbye to the workday world and begin your permanent vacation.

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Helpful Tips to Avoid Seasonal Hazards
Helpful Tips to Avoid Seasonal Hazards
Authored By: Genisys Credit Union on

The holiday season is supposed to be a time for relaxing and celebrating with friends and family. Sorry to be a Grinch, but the most wonderful time of the year can also prove hazardous to your health and safety. As temperatures drop and holiday activities pick up speed be sure to keep your family and property as safe as possible. Here’s what to keep in mind.

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4 Ways to Fund Your Holiday Shopping
4 Ways to Fund Your Holiday Shopping
Authored By: Genisys Credit Union on

You’ve made your gift list and checked it twice. But, now you have to pay for all this stuff! What's the best way to get through this expensive season?

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Why is a Mortgage Good Debt to Have?
Why is a Mortgage Good Debt to Have?
Authored By: Genisys Credit Union on

Every corner of the personal finance world stresses the same point: Debt is the wealth killer. Debt is the single greatest threat to your retirement planning, college savings, and financial independence.

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Love Your Home - Even in Winter
Love Your Home - Even in Winter
Authored By: Genisys Credit Union on

Home ownership can be rewarding and enjoyable. Relaxing in your yard looking at a freshly cut lawn brings a certain satisfaction you don’t feel as a renter. But, eventually summer turns to fall, and fall turns to winter. Problems start to arise, and home ownership doesn’t feel quite the same.

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5 Black Friday Scams to Avoid
5 Black Friday Scams to Avoid
Authored By: Genisys Credit Union on

Black Friday and Cyber Monday can be great fun – but they can also put you at great risk… and we aren’t talking about the WrestleMania scene in the Electronics Department! Scams are plentiful on this weekend that officially marks the start of the holiday shopping season, and you don’t want a phishing scheme or a bogus bargain to turn you into the rotten Mister Grinch!

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Buying Your First Car the Smart Way
Buying Your First Car the Smart Way
Authored By: Genisys Credit Union on

Buying a new car can be a scary process. If it’s your first vehicle purchase, it can be even more frightening since it will probably be the largest purchase you have ever made.

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Getting To Know Your Credit Score
Getting To Know Your Credit Score
Authored By: Genisys Credit Union on

Your credit score is more than just a number and we’ve all heard it has a huge impact on our overall financial well-being. What makes up a good credit score and how does it really effect the cost of things in the future? It’s really not as confusing as it may seem.

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Fake Check Scams - How To Avoid This Exploding Epidemic
Fake Check Scams - How To Avoid This Exploding Epidemic
Authored By: Genisys Credit Union on

Has someone ever sent you a check and asked you to give them some money back?  Be wary! Maybe you won a prize and are told to send back a portion to cover taxes and fees.  Or you get paid to be a “secret Shopper” and are told to wire back money. How about selling an item online and the buyer overpays?  In all cases, you get a check and someone asks you to send them money back. That’s a scam!

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4 Expenses That Surprise First-Time Homebuyers
4 Expenses That Surprise First-Time Homebuyers
Authored By: Genisys Credit Union on

The American dream of owning a house still seems to be something younger people want and are actively pursuing. Many Millennials are confident they’ll achieve the American Dream of owning a home, yet more than half don’t have a plan to get there.

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Tips for You to Avoid Flood Damaged Cars
Tips for You to Avoid Flood Damaged Cars
Authored By: Genisys Credit Union on

If there's one thing we can count on after a devastating super storm, it's that the used-car market is flooded with water-damaged cars.  If a used-car deal looks too good to be true, you should do more than kick the tires.

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5 Things to Know Before you Visit the Auto Dealer
5 Things to Know Before you Visit the Auto Dealer
Authored By: Genisys Credit Union on

There’s nothing like a visit to the auto dealer. You feel an instant rush of excitement as you peruse those shiny new cars and the multiple options available. 

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Tips to Fix Your Finances – No Envelopes Required
Tips to Fix Your Finances – No Envelopes Required
Authored By: Genisys Credit Union on

Maybe you have inconsistent cash flow and you feel constricted by a budget.  Or the thought of keeping cash in separate envelopes takes too much planning and makes you feel like you can’t have a life.

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The Perfect Savings Tool - Share Certificates
The Perfect Savings Tool - Share Certificates
Authored By: Genisys Credit Union on

Share Certificate Savings Accounts are an excellent savings option. They’re NCUA-insured, offer a better dividend rate than a savings account, and they’re safer than the stock market.

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A 25-Year-Old's Plan for Retirement
A 25-Year-Old's Plan for Retirement
Authored By: Genisys Credit Union on

Retirement?!  That’s so decades away!  But over and over, you hear it said, “Start planning today!”

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6 Bad Attitudes about Money & How to Fix Them
6 Bad Attitudes about Money & How to Fix Them
Authored By: Genisys Credit Union on

Do you ever find yourself having a bad attitude when it comes to the topic of money?  Many people do.

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What Do Rising Mortgage Rates Mean for Me?
What Do Rising Mortgage Rates Mean for Me?
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The newscaster reports, “The Federal Reserve has raised the discount rate another .25% and experts expect another two increases this year,” leaving you wondering what this means to you. If you’re thinking about buying a new home, it means a lot to you because mortgage interest rates will likely also rise.

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Paying for College is No Game
Paying for College is No Game
Authored By: Genisys Credit Union on

Did you play the Game of LIFE when you were a kid? Remember how fun it was to act grown up? Every card you drew and every move you made would determine what your future would look like.

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How to Start Building a Credit Score
How to Start Building a Credit Score
Authored By: Genisys Credit Union on

So, you don’t have a credit score. Is that an issue? Have you done something wrong? What is the purpose of a credit score?

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Get By In an Emergency: Personal Loan or Credit Card?
Get By In an Emergency: Personal Loan or Credit Card?
Authored By: Genisys Credit Union on

These little headaches all have one thing in common: They're expensive. Now, what? How will you begin to pay for this?

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How Much Home Can You Afford?
How Much Home Can You Afford?
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Everyone can imagine their “dream home.” For some, it’s a bungalow with a white picket fence.  For others, it’s a sprawling mansion. 

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When Your Car Loan Outlives Your Car
When Your Car Loan Outlives Your Car
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It’s a tough situation. Many people need to borrow money to finance a car just to get to work. If you can afford a new car, your warranty should see you through the term of your loan on most major repairs. But what about those of us that buy a used car?

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6 Ways to Turn Your Dream Vacation into Reality
6 Ways to Turn Your Dream Vacation into Reality
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You’re sipping a piña colada on a white-sandy beach while the turquoise waves lap at the shoreline. You might be zip lining through the jungles of Costa Rica, or browsing a charming shop in a European city filled with exotic culture and cuisine.

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6 Tips to a Healthy Credit Card Relationship
6 Tips to a Healthy Credit Card Relationship
Authored By: Genisys Credit Union on

Having a credit card is a virtual financial necessity these days.  You need a credit card to complete many transactions and purchases.  And a credit card can be an important part of developing a good credit score.

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How to Pay for a Costly Surprise
How to Pay for a Costly Surprise
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Some surprises can be fun.  Others, not so much.  It would be an awesome surprise to learn that you won a new car with the raffle ticket you forgot you bought.  It’s a bummer surprise when the car’s “check engine” light results in a $500 repair when you can least afford it.

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The Dos and Don'ts of Keeping Financial Records
The Dos and Don'ts of Keeping Financial Records
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When you think of spring cleaning most thoughts go to outside windows, closets, flower beds and more.

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Making Home Renovations More Affordable
Making Home Renovations More Affordable
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Is your kitchen feeling reminiscent of The Golden Girls famed cheesecake eating spot? Does your bathroom feature a 20 gallon per flush commode?

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Beware of This Social Media Scam Targeting Millennials
Beware of This Social Media Scam Targeting Millennials
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You’ve heard it said before, if it seems too good to be true, it probably isn’t true. Remember this adage when you’re pitched on social media about an easy money scheme using your checking account and debit card. 

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Personal Finance Basics:  Where to Start?
Personal Finance Basics: Where to Start?
Authored By: Genisys Credit Union on

Has money management been one of those things you have told yourself you will focus on someday? If you are serious about finally getting started on managing your money, a budget is a great place to start. How do you do that?

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4 Ways to Avoid ATM Fees
4 Ways to Avoid ATM Fees
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Using an ATM that’s not run by your bank or credit union will now cost you about as much as a latte at Starbucks.  Not a regular at Starbucks? 

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How Much Debt Is Too Much?
How Much Debt Is Too Much?
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Debt is not necessarily a bad thing -- unless you have too much of it. An overload of debt can ruin your financial happiness for years or even decades.

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What You Don't Know CAN Hurt You
What You Don't Know CAN Hurt You
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Remember when you got that first paycheck? You couldn’t wait to see how much cash you received. In fact, you probably had that amount memorized pretty quickly.

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Leasing a Car vs. Buying: Traps to Watch Out For
Leasing a Car vs. Buying: Traps to Watch Out For
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You have the urge.  You can already smell that new car smell.  It’s time for something new! You hit the car lots and – pow! – you’re hit with sticker shock.

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15 Tricks To Sell Your Home Quickly
15 Tricks To Sell Your Home Quickly
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Spring is in the air -- or at least it should be!  And aside from the hum of lawnmowers, newly bloomed flowers and the chime of the ice cream truck, spring means the chance at a fresh start in a fresh, new home.

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Answers to 5 Common Auto Financing Questions
Answers to 5 Common Auto Financing Questions

Getting a new car is the best! There are multiple levels of excitement for your senses wrapped into the experience.

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4 Not-So-Obvious Reasons Your Credit Score Is Low
4 Not-So-Obvious Reasons Your Credit Score Is Low
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Consumers are increasingly aware of the importance of monitoring their credit.  Perhaps you’re one who has used various services to protect yourself from unauthorized use of your good credit. 

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How to Talk Money with Your Partner
How to Talk Money with Your Partner
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What happens when you and your partner have different approaches toward money?

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4 Tips to Keep Your Finances Safe in Cyberspace
4 Tips to Keep Your Finances Safe in Cyberspace
Authored By: Genisys Credit Union on

Apple Pay, Paypal, Ebates. These are just a few examples of how finances have merged with cyberspace.  We encounter these services on a daily basis; and some of us use them frequently to purchase items online or even during a quick trip to the grocery store. However, with this convenience comes safety risks.

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Traditional or Roth IRA? Breaking through the Confusion
Traditional or Roth IRA? Breaking through the Confusion
Authored By: Genisys Credit Union on

You’ve heard it time and again – “You need to start saving for retirement, and you need to start as soon as possible.” And you have reached the point where you say, “Enough already! I’m convinced!”

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Find the Best Used Car for Your Budget
Find the Best Used Car for Your Budget
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Before you start shopping, make sure you have done your research and determined that a used car is the best avenue for you.

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Insurance coverage 101.  How much is too much?
Choosing an Equity Loan In a Rising Rates Environment
Choosing an Equity Loan In a Rising Rates Environment
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Are you looking to take out a loan against your home’s equity, but noticed that interest rates are starting to slowly climb?

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5 Smart Money Habits for Twenty-Somethings
5 Smart Money Habits for Twenty-Somethings
Authored By: Genisys Credit Union on

Are you in your 20s and feeling a little broke? You might be earning an entry-level salary while trying to pay off college debt. You may be living with roommates, eating pasta and bagels, because it’s cheap. 

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What is a 401(k) Plan and Why Do I Need One?
What is a 401(k) Plan and Why Do I Need One?
Authored By: Genisys Credit Union on

Any sensible retirement planning strategy starts with a target number.  This number is how much you need to have saved for living comfortably and independently throughout your retirement.

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Charging Your Phone In Public?   Watch That Port!
Charging Your Phone In Public? Watch That Port!
Authored By: Genisys Credit Union on

Smartphones have become an ever-present part of our lives. Even if it’s just with you in case of emergencies, having a charged cell phone can provide a serious sense of security. That’s why, when the battery starts to tick down, a cold sense of panic rises in your stomach.

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Combating The Financial Mistakes Of Our 20s And 30s
Combating The Financial Mistakes Of Our 20s And 30s
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People starting out in their careers often focus on the here and now while ignoring the future.  This can be especially true when it comes to finances.  It can seem like you have forever to plan for the future.

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5 Tips to Help You Commit to Better Savings
5 Tips to Help You Commit to Better Savings
Authored By: Genisys Credit Union on

How did you kick off the New Year? Did you dance until your shoes wore through? Did you get out leftover 4th of July fireworks and blast them into the midnight sky?

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7 Resolutions for a Richer 2018
7 Resolutions for a Richer 2018
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The New Year is a great time of renewal. That makes it a good time to make bold, decisive changes in your life. Leave behind the baggage that was 2017 and start fresh with a blank slate in 2018.

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7 Tips When Dealing with a Financial Setback
7 Tips When Dealing with a Financial Setback
Authored By: Genisys Credit Union on

Financial setbacks come in all shapes and sizes. There are the unexpected, but not terribly surprising household and car repairs. Some setbacks are more extreme, like getting a pay cut at work or a medical emergency that isn’t covered by insurance. A financial setback can also come in the form of good news that can cost you a bundle, like a wedding or the birth of a baby.

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FOMO: Do You Live For Now Or For The Future?
FOMO: Do You Live For Now Or For The Future?
Authored By: Genisys Credit Union on

Do you suffer from FOMO? It’s a generational phenomenon and for those not in the know, FOMO is an acronym that stands for Fear Of Missing Out.

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4 Year End Tax Savings Tips
4 Year End Tax Savings Tips
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The leaves have fallen, the nights are longer and there’s a sharp hint of the coming winter in the air. Everyone knows what that means: it’s year-end tax planning time!

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Best Times To Buy in 2018
Best Times To Buy in 2018
Authored By: Genisys Credit Union on

When you’re mulling over a major purchase, the right price can often tip the scales.

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Make the Nice List with Your Credit Card Use!
Make the Nice List with Your Credit Card Use!
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It’s that time of year again.  With holiday spending season upon us, it’s time to broach an uncomfortable subject: how to pay for all that joy and goodwill.

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12 Identity Protection Tips for the Holidays
12 Identity Protection Tips for the Holidays
Authored By: Genisys Credit Union on

Tis the season for a spike in identity theft.  As consumers step up their online shopping leading up to the holidays, it’s a prime time of the year for identity theft.  While you are busy snagging hot deals on Black Friday and Cyber Monday, thieves are phishing for your information.

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8 Steps to Improving Your Credit Score
8 Steps to Improving Your Credit Score
Authored By: Genisys Credit Union on

Your credit score has a huge impact on your overall financial well-being. A good score will help you to buy a new car, purchase your first home, or even take travel vacations.

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Use e-Alerts to Stay in Touch With Your Money
Use e-Alerts to Stay in Touch With Your Money
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It’s now easier than ever to monitor your checking and savings accounts. Want to know if a check has cleared? Just log in from your phone. Wondering when your next loan payment is due? You can find that out anytime day or night on your smartphone.

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Should I Lease or Should I Loan?
Should I Lease or Should I Loan?
Authored By: Genisys Credit Union on

It’s time. You just can’t take it anymore. It seems that once you have one thing on your car repaired, another thing goes wrong. Perhaps it’s time for a new car.

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Watch Out for Tech Support Scams
Watch Out for Tech Support Scams
Authored By: Genisys Credit Union on

It's easy for anyone that has never been taken for a ride by a con artist to wonder how people can fall for such scams.

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Don't Splurge...Be Happy!
Don't Splurge...Be Happy!
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Have you fallen into the trap of thinking that money is the key to happiness?  Maybe it’s time to take a step back and look at life differently.

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3 Steps to Make Your Child Money Smart
3 Steps to Make Your Child Money Smart
Authored By: Genisys Credit Union on

Managing money is a life skill.  When is it worth spending? How do you keep spare change from burning a hole in your pocket?

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How to Build Credit the Right Way
How to Build Credit the Right Way
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When you’re just starting to make your way in life, it doesn’t take long to realize that credit is going to be necessary to financial survival.

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Bring Back the Brown Bag: Save Money on Lunch
Bring Back the Brown Bag: Save Money on Lunch
Authored By: Genisys Credit Union on

Move over, breakfast! Lunch is the new king: recent studies show that taking a lunch break helps productivity in the afternoon and avoids long-term burnout.

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Improve Your Credit Score in 7 Steps
Improve Your Credit Score in 7 Steps
Authored By: Genisys Credit Union on

Understanding your credit score can be confusing.  Knowing how to make your score better can also be hard to comprehend, and frustrating.

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Jump off of the Credit Card Merry-go-Round
Jump off of the Credit Card Merry-go-Round
Authored By: Genisys Credit Union on

Consumer debt in the United States has totaled $3.4 trillion, with the average household maintaining a staggering $16,048 in credit card balances. Often unexpected circumstances force people to use credit cards to finance their lifestyles. This “strategy” could lead you to a significant level of debt and a low chance of repayment.

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My Clunker Needs to Be Replaced - Now What?
My Clunker Needs to Be Replaced - Now What?
Authored By: Genisys Credit Union on

The trusty ride that got you through high school, college, and into your new job is on its last leg. The estimates from the mechanic are becoming overwhelming. 

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How Much Will Your Mortgage Really Cost?
How Much Will Your Mortgage Really Cost?
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Mortgages can be complicated transactions.  If you’re buying a house, you get wrapped up in negotiating a purchase price and determining the home’s actual value.  If you’re refinancing, you are very focused on the interest rate.

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Feeling Stuck In Your Car Loan? It Might Be Time To Shop Around
Avoid Summer Vacation Scams
Avoid Summer Vacation Scams
Authored By: Genisys Credit Union on

It’s summertime, the living is easy …, and so is the scamming!   Scammers don’t take the summer off.  In fact, some scams ramp up during this time of year, with predators out there waiting to prey on unwary vacationers. 

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When Your Budget Needs A Break: Skip-a-Payment
When Your Budget Needs A Break: Skip-a-Payment
Authored By: Genisys Credit Union on

There are times throughout the year when you may feel a strain on your budget. Summer can be one of those times as you start to pay for home maintenance, new clothes for the kids, and even just for fun.

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3 Smart Money Steps to Start Out Right
Rising Interest Rates: What Do They Mean For You?
Rising Interest Rates: What Do They Mean For You?
Authored By: Genisys Credit Union on

If you read financial headlines, you’ve no doubt seen the news that the Federal Reserve has and may continue to raise interest rates.

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How a Bridge Loan Can Help you Buy a House
How a Bridge Loan Can Help you Buy a House
Authored By: Genisys Credit Union on

Buying your second home is nothing like buying your first. This time around, you have the experience of being a homeowner.

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Should I Get Pre Approved For A Car Loan?
Should I Get Pre Approved For A Car Loan?
Authored By: Genisys Credit Union on

Shopping for a new car can be fun, exciting, and time-consuming. Most people also spend time online researching the cost of vehicles and preparing themselves to get the best deal when it is time to negotiate.

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Smartphone Security: Why we need PINs, Patterns & TouchID
Smartphone Security: Why we need PINs, Patterns & TouchID
Authored By: Genisys Credit Union on

You probably have that one friend who constantly bugs you about putting a security lock on your phone, in the form of a passcode, or enabling the fingerprint reader to protect you.

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Not Reading the Fine Print Can Cost You
Not Reading the Fine Print Can Cost You
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Have you ever signed a document without reading or understanding everything you were signing?

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Using Your Home Equity To Pay For Emergencies
Using Your Home Equity To Pay For Emergencies
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If you’re a homeowner, you probably already know that emergencies happen at the least convenient times.

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60-Second Guide to College Savings Strategies
60-Second Guide to College Savings Strategies
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A college education can cost tens of thousands of dollars -- or more. However, there are ways to make your diploma dollars go farther.

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3 Rules of Smart Money Management
3 Rules of Smart Money Management
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Are you keeping the three smart money laws? You should, because if you do these three things, you could have no financial worries. Really!

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It Costs How Much To Get Married!?
It Costs How Much To Get Married!?
Authored By: Genisys Credit Union on

Summer is just around the corner, and that means peak wedding season is too. According to a new report by a leading wedding magazine, The Knot, the average American wedding cost has tipped the $35,000 mark. That's more than half of the yearly median income!

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5 Rules of Online and Mobile Banking Security
5 Rules of Online and Mobile Banking Security
Authored By: Genisys Credit Union on

Gone are the days when making deposits, withdrawals, etc.—meant you had to stand in line, and wait patiently (or not!) for the services of a teller. Today, we have lots of options when it comes to financial transactions.

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Smart Moves for Using a Home's Equity
Smart Moves for Using a Home's Equity
Authored By: Genisys Credit Union on

As home prices continue to rebound from the recession, home equity loans are becoming sources of extra cash for a growing number of homeowners.

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3 Biggest Money Mistakes College Students Make
3 Biggest Money Mistakes College Students Make
Authored By: Genisys Credit Union on

There is a weird dichotomy with college students. On the one hand, they are very creative with saving money. We’ve all hear stories of surviving on a food budget of $3 a day to living a whole semester rent-free by sleeping in a van and showering in the school gym.

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What to Expect When Your Credit Card is Compromised
What to Expect When Your Credit Card is Compromised
Authored By: Genisys Credit Union on

With the number of computer hackers working daily to access consumer data, it may be difficult to escape being part of a credit or debit card compromise.  When it happens, how are you affected and what can you expect?

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Why CardNav Might Be the Coolest Card Security App Ever
Why CardNav Might Be the Coolest Card Security App Ever
Authored By: Genisys Credit Union on

So you might have already heard a thing or two about the new CardNav mobile app by CO-OP, and maybe even registered your Genisys Credit and Debit MasterCard.

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Financial Planning For the New Parent
Financial Planning For the New Parent
Authored By: Genisys Credit Union on

The first few months after you bring your baby home is an exciting time that can also be a bit stressful.  It’s easy to get caught up in sleepless nights, organic baby food and reading every book you can find.

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Your Furnace Went Out - Now What?
Your Furnace Went Out - Now What?
Authored By: Genisys Credit Union on

A chill in the air can be invigorating, but not when it is in your house.  That indoor cold wave is usually the result of a broken down furnace.

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Get These Out of Your Purse or Wallet Now
Get These Out of Your Purse or Wallet Now
Authored By: Genisys Credit Union on

Your purse can become a lot like a junk drawer you carry around. It’s cluttered with loyalty cards, coupons, cash, checks, store credit cards, credit cards for gas, credit cards for everyday purchases and a host of identification cards.

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Investing Lessons: Fantasy Football Style
Investing Lessons: Fantasy Football Style
Authored By: Genisys Credit Union on

The big game is here, and while we may not be able to agree on the toppings for the halftime pizza, we can agree that we’re watching the game.

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Is Borrowing Against Your 401(k) a Good Idea?
Is Borrowing Against Your 401(k) a Good Idea?
Authored By: Genisys Credit Union on

One of the perks that often comes with employment is a 401(k). These tax-deferred retirement packages are the principal retirement vehicle for just over half of all people in the United States.

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How Much Should You Spend On A Car?
How Much Should You Spend On A Car?
Authored By: Genisys Credit Union on

In America, having a car is synonymous with having complete freedom—a car lets you go wherever you want, whenever you want.  If you can pay for it, that is.

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5 Financial New Year’s Resolutions To Kick-Start 2017
5 Financial New Year’s Resolutions To Kick-Start 2017
Authored By: Genisys Credit Union on

Folks commit themselves to radically changing their lives at the start of the calendar year.  About 45% of people make New Year’s resolutions in the average year, and most have to do with health.

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Protecting Your Credit After A Missed Car Payment
Protecting Your Credit After A Missed Car Payment
Authored By: Genisys Credit Union on

You did not plan on it.  In fact, you worked to prevent yourself from ever being in this position.  One thing happened after another, and now you find that you may not be able to make your car payment.  What should you do?

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Good vs. Bad Debt - What You Need To Know
Good vs. Bad Debt - What You Need To Know
Authored By: Genisys Credit Union on

For many young adults, their first experience with debt comes when they need to consider loans to finance their education.

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New Homeowners: Watch Out for the Forgotten Expenses
New Homeowners: Watch Out for the Forgotten Expenses
Authored By: Genisys Credit Union on

Buying your first home is a major milestone. There's nothing quite like the giddy rush that comes from knowing you could paint a wall fluorescent pink and no one could legally stop you.

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Watch Out for the 12 Scams of Christmas
Watch Out for the 12 Scams of Christmas
Authored By: Genisys Credit Union on

The holidays are a time of family togetherness and celebration. Scammers know you’re distracted, busy, and emotional. That’s why their schemes typically get a new twist around Christmas time.

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10 Credit Union Member Benefits
10 Credit Union Member Benefits
Authored By: Genisys Credit Union on

You may already know the many benefits of Genisys Credit Union membership like low rates on loans, free checking, and convenient mobile and online banking services.  But there are some you may be missing out on.

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How to Be Smart About Student Loans
How to Be Smart About Student Loans
Authored By: Genisys Credit Union on

There is one thing you can start doing this year to take away a lot of stress in your 20s, and that is to minimize your student loan burden.

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6 Steps to Buying Your First Car
6 Steps to Buying Your First Car
Authored By: Genisys Credit Union on

When it comes time to search for your first car, it’s not as easy as picking the color. There are several steps for this key financial decision.

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3 Scary Stories to Teach Money Management
3 Scary Stories to Teach Money Management
Authored By: Genisys Credit Union on

It’s that time of year again! The nights get longer. Haunting winds rattle shutters and swaying trees cast spooky shadows in the moonlight. It’s time to tell ghost stories!

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It’s Almost Halloween, So Let’s Talk Christmas Shopping!
It’s Almost Halloween, So Let’s Talk Christmas Shopping!
Authored By: Genisys Credit Union on

Football has begun, the leaves are changing, and the kids are back in school.  Clearly, it’s time to start thinking about Christmas.

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Mortgage Pre-Qualification vs. Pre-Approval
Mortgage Pre-Qualification vs. Pre-Approval
Authored By: Genisys Credit Union on

You’re ready to purchase your first home.  You have a steady job, some savings for a down payment, but you aren’t sure what to do next. Before you go any further in the house hunting process, you should start thinking about financing by getting pre-qualified for a mortgage.

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Will that Be: Cash, Credit or Mobile?
Will that Be: Cash, Credit or Mobile?
Authored By: Genisys Credit Union on

Our phones are our lifelines to everything we do. We take pictures with them; call and text message friends and family, and of course, stay connected to our social media.

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Passwords: How Can I Remember ALL of Them?
Passwords: How Can I Remember ALL of Them?
Authored By: Genisys Credit Union on

Let’s see if this sounds familiar….”you need at least one lower case character, one upper case, a number, a special character, etc…”.

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Should I Buy or Lease My Car?
Should I Buy or Lease My Car?
Authored By: Genisys Credit Union on

Leasing vs Buying – this is something many car shoppers are unsure about. While leasing provides the benefits of low monthly payments and the opportunity to obtain a new vehicle every couple of years, there are benefits to getting a car loan and buying.

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How Will My Credit Impact My Mortgage Application?
How Will My Credit Impact My Mortgage Application?
Authored By: Genisys Credit Union on

Every potential homebuyer dreams of the day they’ll finally get the symbol of independence, security and prosperity: the key to the front door of their new home. Whether you’re applying for a mortgage to move into a new home or you need a first time mortgage to help buy your first-ever home, there’s a lot that can go into getting the keys and moving in. Before you get that key, there’s another key you need to master -- your credit score.

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Common Questions About Credit Reports
Common Questions About Credit Reports
Authored By: Genisys Credit Union on

The lazy days of summer are here, and now is a great time to get a copy of your credit report and go over it with a fine-toothed comb.

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Tips for Buying a Used Car
Tips for Buying a Used Car
Authored By: Genisys Credit Union on

It can be a real challenge to find a car that's right for you and when you're specifically looking for a used car, there are a lot of extra things to worry about. Here's how to buy a used car without the stress.

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What is the Best Type of Mortgage? (It Might Not Be a 30-Year Fixed Rate!)
What is the Best Type of Mortgage? (It Might Not Be a 30-Year Fixed Rate!)
Authored By: Genisys Credit Union on

The 30-year fixed rate mortgage has been the standard for American home financing for a long time.  It is so standard that many homebuyers don’t even consider other alternatives.

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The Real Cost of Your Credit Card Balance
The Real Cost of Your Credit Card Balance
Authored By: Genisys Credit Union on

Do you find your credit card statement a confusing word salad?  With so many government regulations required on the statements, the only part of it that’s easy to understand is the “payment due”!

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5 Answers to Your Education Savings Questions
5 Answers to Your Education Savings Questions
Authored By: Genisys Credit Union on

If you are raising children, you likely have one wish in common with many other families: for your kids to have the same opportunities you have had, if not better.  You also understand that education is a primary key to opportunity.

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Ransomware: Avoid Being a Digital Hostage
Ransomware: Avoid Being a Digital Hostage
Authored By: Genisys Credit Union on

When we think of ransom, we typically think of a black-and-white movie with a kidnapper leaving notes made from a variety of newspaper cuttings. Today, ransom is much less melodramatic, much more common and targets something you might not expect: your computer files.

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0% May Not Be the Deal You Think
0% May Not Be the Deal You Think
Authored By: Genisys Credit Union on

If you’re thinking about buying a new car, you know that the best time is rapidly approaching. The end of the model year means car prices on current year vehicles will never be lower.

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4 Secrets to Saving You Might be Missing
4 Secrets to Saving You Might be Missing
Authored By: Genisys Credit Union on

For many of us, a savings account is a formality. Did you get a bonus once and put $50 in a primary savings account to get things started?  What happened next?

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Balancing a Checkbook is an Ancient Art.
Balancing a Checkbook is an Ancient Art.
Authored By: Genisys Credit Union on

Back in the day, merchants had a “Wall of Shame” posted behind their registers.  If you gave them a bad check, the store owner received your red-stamped insufficient funds check back, and it was posted for all to see on the “Wall of Shame” behind the counter.  From then on, you were banned from check writing at that establishment.

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Estate Planning: Not Just for the Rich and Famous
Estate Planning: Not Just for the Rich and Famous
Authored By: Genisys Credit Union on

Prince’s recent death shook many people.  Soon after, we were surprised again by the revelation that there was no will to distribute the artists’ vast amount of wealth and assets.

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I'm a College Grad -- Now What?
I'm a College Grad -- Now What?
Authored By: Genisys Credit Union on

You’ve completed your last paper, crammed for your final exam, and listened to one last boring lecture.  You’re now a college graduate.  Congratulations!  Now, what’s next?

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What is a Chip Card?
What is a Chip Card?
Authored By: Genisys Credit Union on

Let’s clarify one thing – we are NOT talking about a card for a bag of Doritos.

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6 Ways to a Healthy Relationship with Your Credit Card
6 Ways to a Healthy Relationship with Your Credit Card
Authored By: Genisys Credit Union on

Having a credit card is a virtual financial necessity these days.  You need a credit card to complete many transactions and purchases.  And a credit card can be an important part of developing a good credit score.

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Finance a Home with Little Money Down
Finance a Home with Little Money Down
Authored By: Genisys Credit Union on

For most first-time home buyers, coming up with funds for a down payment is the biggest obstacle to homeownership. You have your regular monthly expenses.  You’re trying to maintain or save for an emergency fund.  Then there’s looking ahead to retirement and perhaps college tuition.  Amassing thousands for a down payment may seem impossible.

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Tax Refunds  - Good or Meh?
Tax Refunds - Good or Meh?
Authored By: Genisys Credit Union on

Another tax deadline has come and gone.  Did you enjoy a nice big tax refund?  Free money, right? Whoa … let’s hold that thought for a moment.

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Beware of IRS Scams
Beware of IRS Scams
Authored By: Genisys Credit Union on

That’s right, they’re back! Scammers are using tax time to take advantage of the unwary. So let’s take a look at the “new and improved" 2016 lineup of IRS scams

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Tips to Rebuild Savings After A Crisis
Tips to Rebuild Savings After A Crisis
Authored By: Genisys Credit Union on

You did everything you were supposed to. You saved long and hard to develop an emergency fund that financial experts tell you to keep. Then the unexpected occurred.

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FREE MONEY - 5 Online Scams to Avoid
FREE MONEY - 5 Online Scams to Avoid
Authored By: Genisys Credit Union on

The old saying of “it’s too good to be true” should be your battle cry when you do anything on the internet including reading your email. 

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Is Your Car Made of Money?
Is Your Car Made of Money?
Authored By: Genisys Credit Union on

This is not a trick question, we promise. Most people will insist that your car loses value as soon as it’s driven off the lot to the nearest fast food drive-thru just before carting the kids off to soccer practice.  There is truth in that.

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Budgeting 101 - Quick Tips to Get Started
Budgeting 101 - Quick Tips to Get Started
Authored By: Genisys Credit Union on

You’ve decided it’s time to stop fooling around and to start getting serious about managing your money.  Your first step is making a plan, otherwise known as a budget.  Where do you start?

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Why do I want a Digital Wallet?
Why do I want a Digital Wallet?
Authored By: Genisys Credit Union on

Apple Pay, Samsung Pay, and Android Pay - OH MY!  Why do I need a digital wallet when my old-fashioned wallet is working just fine?

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