When people hear the term “refinance,” they often associate it with a long, tedious process. That can be true of mortgage refis due to the complexity of those loans. However, refinancing your car loan is quite simple and usually only takes a day or two.   The most common reason members refinance their vehicle loans is to save money. It’s a great way to reduce the total interest paid on your loan and free up extra cash each month. But there are other reasons why refinancing an auto loan could be in your best interest.  So, if you love your car…

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.  As with any grand vacation, the key is preparation. From mapping out the entire trip to plotting the logistics and setting your budget, planning your perfect adventure will take time. Use the following guide to help you put your plans in motion for that once-in-a-lifetime excursion.   1. Determine Your Destination &…

Share certificates (like CDs at banks) are investment accounts that yield higher returns than traditional savings accounts. They offer a spectrum of financial perks with very little downside. Keep reading to find out if adding a share certificate to your savings plan is right for you.  What Is a Share Certificate?  Most credit unions offer three primary savings and investment accounts:   Traditional share (savings) accounts   Money market accounts   Share certificates   Among the three, share certificates generally offer the greatest yields. However, there is a tradeoff in exchange for earning higher dividends. With a share certificate, your money is locked in,…