If a person was to tell you that there were financial institutions out there that provided great customer service, higher rates of returns, lower fees and lower interest charges on loans would that be something that might perk your interest? These are all characteristics of a credit union. So why doesn’t everyone bank at a… Read More


There are many different types of loans. So many, in fact, you may actually be overwhelmed. First, it is important to understand what credit unions look for and require when lending and then understand what options credit unions may have to meet your financial needs. Lending considerations and requirements To understand your financial situation, financial… Read More


While mortgages are getting most of the refinancing attention, don’t overlook your car loan. In many cases, it can be smart to refinance a car loan, too. There are two potential rewards: You can trim monthly payments, and you could reduce the overall cost of the vehicle. Say you had to finance a car at… Read More


Plan your next vacation ahead to ensure that you get the most for your money without sacrificing a good time. Then relax, knowing that you might even have funds left over when you get home. Here’s how:   1. Airfare – Book flights on Yapta and be eligible for a voucher if the airfare goes down… Read More


A low- or no-down payment, a longer-term loan, and a vehicle that rapidly depreciates in value in the first two years can cause you to be “upside down” in your car loan. The term means you owe more for the car than it is worth. It’s not unusual for a buyer to be upside down… Read More


Comparison Shop Prices vary considerably, so it pays to shop around. Don’t shop by price alone; select an insurance company that has a reputation for good customer service and is financially stable. Ascentra has an independent agent who can do this for you.   Ask for a Higher Deductible A deductible is the amount of… Read More


The home buying process can be stressful and daunting, but knowing the basics can make it the exciting experience it should be! Get the scoop on tips for buying a home on this edition of Ascentra Making Cents. Watch more videos of our monthly financial education segments like this one on KWQC.com. Tips for the… Read More


  There are certain milestones that mark important times in our lives. Sitting in car for the first time all alone with our new driver’s license, walking across the stage at graduation, completing college or beginning our first full-time job. These all make us take a pause and feel a huge sense of gratification.  … Read More


It’s a great feeling to toss items when spring cleaning but there are a few items you’ll want to be sure to keep.   Tax returns and documentation–Keep a copy of all 1040 tax forms permanently. Keep supporting documents like W-2s, receipts, and statements for seven years.   Receipts–Keep ATM receipts until you confirm the… Read More