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How to Leverage Your Home Equity Loan

How to Leverage Your Home Equity Loan

  Home equity loans are used to strengthen long-term financial prospects. Depending on your goals and values, this could translate to a vacation villa or nurturing a nest egg—anything, according to experts, other than funding basic living expenses or throwaway...
A Checklist for a Healthy and Happy Financial New Year

A Checklist for a Healthy and Happy Financial New Year

  Early in a new year is the perfect time to get your finances up to speed. Whether you’re starting from a mountain or a molehill, you can boost your family’s security and wealth by setting up and following healthy personal finance practices.  Build Strong Budget...
Should You Finance a Car from Credit Union or Dealership?

Should You Finance a Car from Credit Union or Dealership?

In the fourth quarter of 2022, credit unions won the market share of all automotive loans and leases—more than banks and dealerships combined.1 This statistic shouldn’t come as surprising. After all, credit unions are known for low interest rates on loans in general....
Understanding Credit Scores and How to Improve Them

Understanding Credit Scores and How to Improve Them

If you’re applying for a loan or credit card, your credit score is typically the most important factor that lenders review. Lending money requires a gamble on the borrower, and lenders need to find a way to predict how likely they are to repay the loan.   Credit...
Budgeting Strategies For Stress-Free Holiday Shopping

Budgeting Strategies For Stress-Free Holiday Shopping

With the holiday season already here, you may be gearing up for cozy family get-togethers and festive gift exchanges. These experiences make for wonderful memories, but they can put undue stress on your wallet if you’re not careful. To help you safeguard your budget...
The Benefits of Joining A Credit Union

The Benefits of Joining A Credit Union

Not all financial institutions are built the same. While traditional banks are popular, credit unions offer benefits that most big banks simply can’t compete with. So, what are the benefits of joining a credit union? In this article, we’ll highlight 8 enticing...
Simple Tips for Smarter Holiday Shopping

Simple Tips for Smarter Holiday Shopping

What makes a holiday special? Opening gifts usually tops the list for children, and the joy of giving them can be a big part of the anticipation for the young at heart—but 90% of Americans wish for a less materialistic holiday season.[1] Once the wrapping paper is...
Digital Banking With Credit Unions: Features and Advantages

Digital Banking With Credit Unions: Features and Advantages

Have you heard of the Iron Triangle? It’s the idea that you can only pick two from the most common three goals of a project: speed, quality, and affordability.[1] When it comes to protecting and preserving your money, credit unions such as the North Jersey Federal...
Money Mindfulness

Money Mindfulness

While we live in a culture of positive self-care, many of the modern solutions seem to bandaid over one of the primary stressors: money. Spa days and “treat yourself” moments might offer temporary retreats, but they don’t address the root issues. And for nearly...