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Improve Your Finances

Is improving your financial strength and saving money at the top of your to do list? If so, you are one of millions of consumers who are interested in finding lower interest rates and reducing their debts – ultimately resulting in more cash in their pockets on a monthly basis. It can be very difficult to Read More »

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Credit Scoring and Credit Reports

If you have ever applied for a car loan, mortgage, or even looked into an insurance policy – you’ve probably heard about your credit score (sometimes called your FICO score). But what exactly is it, and how does your history and decisions affect it? Your credit score is a three-digit number (with approximately 900 being Read More »

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Helpful tip: Unsigned credit cards

Newspaper and magazine articles, including those written by consumer advocates, sometimes give cardholders the impression that not signing their cards protects them from fraud. As a result, cardholders are presenting unsigned cards or cards with the notation “See ID” written on the signature panel. Unsigned cards or those with “See ID” written on the signature Read More »

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Put Savings on Automatic

If you think saving money is too difficult, and even have justifications to back you up, fuhgeddaboudit. We have the solutions to your saving hang-ups: I don’t have the money. That’s the standard cry from those who wait to save what’s left over. It never happens. Instead, “pay yourself first.” Use the Upward Credit Union Read More »

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Trim Your To-Do List

We’re a nation on the go. There’s work time, fitness time, child time, spouse time, parent time, friend time, and–if you’re lucky–some quiet time. Wouldn’t it be nice to worry about one less thing? Try direct deposit. With direct deposit, you authorize your employer or federal agency, like the Social Security Administration, to deposit your check directly Read More »