The Wall Street Journal recently touted the advantages of joining a local credit union. Favorable rates on auto loans, credit cards, and mortgages are some of the reasons why consumers are making the switch.
An Indianapolis credit union such as Financial Center also offers better rates on deposits like our
Reward Checking product which pays 3.01% APY if you meet the account requirements each month.
Are Credit Unions a better bet than banks?
You decide.
Have you fallen in love with the home of your dreams? Now, do you need a mortgage account Indianapolis? Or do you need to refinance your home?
A credit union, like ours, offers its members the facility to bring their outstanding mortgages, home equity loans, and credit cards in order to save money and enable them to increase their savings.
You can use the Internet to access information regarding the various mortgage options that are available and choose the one that best suits your requirements. If you are looking for rates to refinance your mortgage, you will need to check with us to get the best possible deal.
If you want to learn more about a mortgage, please don't hesitate to get in touch with Financial Center of Indianapolis. You might also be interested in our Reward Checking which earns dividends.
If you are looking for financial services Indianapolis, you've come to the right place.
We will help you handle your money in a better manner, which will help reduce debt. The world has witnessed one of its worst ever recessions and people with bad money management skills have accumulated debts and their credit history ratings have taken a fall.
The question, of course, is "how to manage money?" Here are some wonderful tips that will help you manage your finances better.
- Pay your bills on time and avoid late fees. Most people end up paying late fees every month, which when saved will help you get rid of your debt quickly.
- Follow a monthly budget. Prepare a financial plan and stick to it.
- Avoid unnecessary expenses and do not indulge in impulsive shopping.
- Try getting a best deal on your mortgage by consolidating it. You can also reduce your mortgage cost by refinancing it.
If you want to learn more about money literacy, please don't hesitate to get in touch with Financial Center of Indianapolis. You might also be interested in our Reward Checking which earns dividends.
Everyone is searching for ways to stretch their budgets further and find more effective ways on how to manage money. One way to save money is to evaluate your debt and find areas where you can save money.
At our Indianapolis credit union, we're offering members the chance to bring their outstanding mortgages, home equity loans, auto loans, and credit cards to their local credit union to save money. Our goal is to save each member at least $100 a year in interest payments. If we can't save you a $100 in a year, we'll give you $100.
Stop in one of our Indianapolis credit union
locations and take
the $100 challenge. Find out how much your local credit union can save you.
A
report from CNNMoney.com writer Les Christie yesterday stated that home prices
nationwide may be starting to increase. The article also says that housing prices have reached affordability levels "not seen in a generation" and that the $8,000 first-time homebuyers tax credit are drawing new consumers into the market.
Rising prices and the urgent need to advantage of the homebuyers tax credit make this a great time to apply for your mortgage account Indianapolis.
Our Indianapolis credit union offers a wide variety of mortgage options for your individual needs. We can also provide you a preapproval to help while searching for your next home.
Tell us about your mortgage needs.
One of my favorite parts of working as part of the credit union banking industry, is the opportunity to see how credit unions across the country are reaching out to help their members and show them how to manage money.
One new website that I heard about from some fellow staff members here at Financial Center, was
Right at Home from the Michigan Credit Union League. This site provides tips on avoiding foreclosure, problem solving guides to help you deal with rising mortgage payments, and information on mortgage products that may fit more comfortably within your budget.
If you're facing foreclosure or have a mortgage account in Indianapolis that you're struggling to keep up with, contact
your local credit union. We're ready to help.
This was the question posed by Nancy Folbre, an economics professor at the University of Massachusetts Amherst, on a
blog on The New York Times website.
She writes, "In the wake of the financial crisis, (credit unions) began to look more like Clark Kent, who turned out to be Superman. When the big American banks started sucking up to funds from the Troubled Asset Relief Program, or TARP, credit unions, with many fewer subprime mortgages on their balance sheets, started looking really good."
Our Indianapolis credit union has fared well during this financial crisis. We now have over 40,000 members - our highest member total in years. We were recently named the
2009 Federal Credit Union of the Year by the National Association of Federal Credit Unions. Our member satisfaction scores continue to remain high. And, we can offer you great, high-interest rate saving products like
Reward Checking.
It's time you found your knight in shining armor or your caped crusader. It's time to
join an Indianapolis credit union you can trust with your banking.
According to
an article in the Indianapolis Star today, home sales dipped nearly 20% in May for Indiana. This has caused a fall in the median price of homes of 4.3% to a price of $110,000. If you're in the market for your first home, there are great opportunities available.
If you're researching Indianapolis loan rates, our credit union can help. We have
competitive mortgage rates, excellent service, and money to lend.
Request more information today!
Financial Center offers you numerous ways to help you learn more about money and help you maximize your credit union banking experience.
Here's what's coming up at your Indianapolis credit union:
Investment Options - Saturday, June 20thGain an overview of what types of investment products we offer including annuities, mutual funds, and brokerage accounts. This seminar takes place from 10 am to Noon at our Main Center location.
Home Buyers Seminar - Saturday, August 15thMaking smart financial decisions regarding your home requires research and planning. Insightful information will be provided on topics such as choosing the best Realtor, the complete mortgage process, and the various mortgage products available. This seminar takes place from 10 am to Noon at our Main Center location.
To enroll in any of these seminars, call our marketing department at 317.916.6250 or send an email to
dept.busdev@fcfcu.com.
The first piece of this puzzle is determining what events and thresholds should trigger a notification. This notification will alert that action may be necessary in an account. Both balance and transaction thresholds should be used to monitor and manage account balances. Balance thresholds notify that a transfer may be required. Transaction thresholds notify when predicted or unusual activity has occurred in the account.
To manage account balances you need to know when an account has excess funds and when an account no longer has sufficient funds. The selection of the threshold amounts is based on a variety of factors.
- What are the regular deposit frequency(s) and amount(s)?
- What are the regular withdraw frequency(s) and amounts(s)?
- What are the minimum balances for the accounts?
- What minimum balances should be kept in the accounts?
- Are there any critical bills (mortgage payment) that auto-debit the accounts?
For the checking account we need real-time alerts when:
- A transaction takes my checking account balance below a set dollar amount.
- A deposit occurs that is larger than a set dollar amount.
- A withdraw occurs that is larger than a set dollar amount
- A transaction takes my account balance over a set dollar amount.
Most of the same alert notifications (with different dollar thresholds) are setup on both the savings and money market accounts. All these alert types are supported in Financial Center Online.
These alerts keep you informed about your balances so you can monitor and take action when necessary.
Tourism officials in Indianapolis today
announced the Indianapolis
Convention and Visitors Association's new tourism slogan: Raising the game.
I like the new slogan. It incorporates the city's love for sports and eagerness to host new events. It also shows that the city is trying to gain status as an elite destination that is capable of hosting major events.
Our credit union has been serving the Indianapolis area for over 50 years, and we give our members plenty of opportunities to 'raise their game'. We offer a
Reward Checking account that pays one of the highest rates in the city, we offer less
fees on our products and services than our competitors, and we have attractive savings and deposit rates. Need a better rate on a certificate, a lower rate on your next auto loan, a better mortgage solution? Financial Center can help.
Visit one of our
Centers today, go to our
website, or give us a call at 317.916.7700.
There is no shortage of advice out there on how to handle your personal finances and the best ways to get rich quick. A search on Amazon reveals 4,670 books on the topic. The truth is that there is no legitimate get rich quick scheme that actually will make you more wealthy. The only way to guarantee that you become rich is to spend less than you earn.
One of my favorite blogs is
Get Rich Slowly, and I found
this post from 2006 that is still relevant today.
As long as your earnings are greater than your expenses, you will continue to accumulate wealth. Most of this equation is up to you. You are responsible for earning money with your job and you are responsible for monitoring your non-essential expenses. You can also be responsible with where you choose to keep the money you're saving so that it helps you keep more of what you earn.
Credit unions pride themselves on doing just that. We promise to help you keep more of your money. We typically offer lower rates on loans and higher rates on deposits - along with less expensive fees.
At Financial Center, we work hard to ensure that we deliver on that promise. We currently have
a checking account that pays the highest rate available in the Indianapolis. We also have competitive
loan rates on a wide variety of products including auto loans, mortgages, and home equity loans.
Join Financial Center today, and start working on that get rich quick scheme. We'll be there for you no matter how long it takes.
Do you have an Adjustable Rate Mortgage (ARM) with another lender?
Do you know when your first payment adjustment will be?
Do you know what your new payment will be? Can you afford it?
Many consumers opened an Adjustable Rate Mortgage and now it is time for those rates to adjust. Are you ready? Don't wait for your mortgage payment to adjust. Take advantage of low mortgage interest rates now.
Let Financial Center help you understand your mortgage and show you the benefits of refinancing now. Click the button below and get started with refinancing your home with Financial Center.
The
Indianapolis Star reported this morning that ABC's
Extreme Makeover: Home Edition will soon be building a new home for a needy family in Indianapolis. Construction will take place from March 29th to April 2nd somewhere in the Indianapolis area.
I think it would be great if they had a similar show to look at a family's financial situtation. How much credit card debt do they have? What's their monthly mortgage payment? Where can they save additional money?
Although we don't have the budget for our own reality show, Financial Center can help you find some of these opportunities. When you become a member, we'll look at your overall financial picture and see where we can help you. Our credit union offers many products including
credit cards,
mortgages with low interest rates, and other
savings and loan products that charge less fees than our competitors.
Take the first step towards your extreme financial makeover and visit our website at
www.fcfcu.com, visit one of our
Center locations, or give us a call at 317.916.7700.
Check out
this article posted on USATODAY.com by AP writer Matt Apuzzo regarding the lack of disclosure from banks on how they are using money from the $700 billion goverment bailout.
One of the alternatives to being a customer at one of these banks is to join a credit union. If you live in the Indianapolis area, consider joining
Finance Center Federal Credit Union.We don't have a corporate jet. We don't do subprime mortgages. We don't have stock options, and we don't have Wall Street investors.
We're a local credit union committed to earning the trust of our members.
Join today by clicking the link on the right hand side, or visit our website at
http://www.fcfcu.com
Home sales plunged 29% during November in Central Indiana according to Tom Spalding in
today's edition of the Indianapolis Star. Average sale prices have dropped 10% and the median sales price has dropped 13%.
If you're one of the few consumers looking to buy a home, Financial Center can help. We're offering some of the lowest
mortgage rates in Indianapolis. Plus, you can send in an online
mortgage request form so that we can help you shop for your new home.
Give us a call today at 317.916.7700 or visit our website at
www.fcfcu.com to learn more.
In response to this
article from MSN Money...there has never been a better time to join a credit union!
If you live, work, worship, attend school, or volunteer in Indianapolis and the Marion County area, you're eligible to join Financial Center. Learn more on our website at
www.fcfcu.com.
Here are some highlights from the article:
"Credit unions largely avoided offering risky mortgages, they are among the few success stories to emerge from the subprime mortgage mess."
"Because they have no stockholders to answer to, credit unions are not pressured to get involved in risky investments such as mortgage-backed securities."
"Credit unions can offer their members a better deal because any extra profits are returned to members in the form of dividends or lower fees after operating expenses and capital reserves are accounted for."
If you're unable to get loan from your current bank due to the current economic situtation, Financial Center can help.
We are prepared to help you get your next auto loan, home equity line of credit, mortgage or credit card.
If you live, work, worship, attend school or volunteer in Indianapolis or Marion County, you can join Financial Center. We are a local credit union that is committed to your community that you can trust to keep your money safe.
Apply online today for your next loan at www.fcfcu.com.
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