Breaking Down the Mortgage Prequalification Process

Mar 15, 2023
Congratulations on starting your journey to making the dream of homeownership a reality! Applying for a mortgage can be daunting, so preparation is vital. Don’t let the steps overwhelm you; knowing what is needed helps you get one step closer to your dream home. Here at Carolinas Telco Federal Credit Union (CTFCU), we recommend that …

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Consolidating Credit Card Debt with a Personal Loan

Nov 8, 2022
  Using a credit card is quick and easy, but sometimes that convenience comes at a price. Are you overwhelmed with monthly payments and rising rates? If you are concerned about your high interest-rate credit cards, a Carolinas Telco Federal Credit Union Personal Loan can help you consolidate existing debt into one fixed payment. What …

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Which Home Improvement Project Is Right for You?

Sep 12, 2022
Not all home improvement projects are created equal. While it may sound like a great idea to do a complete kitchen renovation with all the fixings, you want to be sure to tackle projects in your home that are likely to be worth your time and money. Whether you’re looking for bigger projects to give …

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A Mini-Guide to Refinancing Auto Loans

Jun 6, 2022
Refinancing your vehicle means taking on a new loan to pay off the balance on your existing auto loan, which can lead to significant savings in the long run.   Here at Carolinas Telco Federal Credit Union (CTFCU), we aim to empower members with the knowledge they need to make intelligent decisions that enhance their …

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Personal Loan vs Personal Line of Credit

Mar 28, 2022
There are many flexible loan options to choose from if you’re looking to pay off high interest debt, finance a home renovation, or have any other need to borrow money. In this blog, we’re going to look at the difference between two popular loan options: Personal Loans and Personal Lines of Credit. What is a …

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How to Identify A Quality Contractor

Mar 1, 2022
Home Improvement season is well underway and it’s important to be able to identify a quality contractor. The right home improvement project can help add value to your home and improve quality of life with a more functional space that fits your needs. You want to make sure you have your work taken care of …

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Can you have TMI on PMI?

Feb 18, 2022
Here at Carolinas Telco Federal Credit Union, we think the best financial decision is an empowered one, making it impossible to have Too Much Information (TMI) on things that affect your borrowing and finances, like PMI or MIP. So, what is PMI? PMI stands for Private Mortgage Insurance, a type of insurance that protects the …

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The Mythical 20% Rule

Feb 16, 2022
A Word of Advice for First-Time Buyers You may have heard about the myth of the 20% for buying homes, but that is all it is: a myth. The myth of the average American placing 20% down on their brand new home stems back to the era directly after the housing crisis when the number …

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Boat Buying Guide: How to Buy a Boat and Apply for a Boat Loan

Jul 29, 2021
  There are few things better than enjoying being out on the open water during a bright summer day. With so many options in boat types and configurations, it can be challenging to decide on what’s right for you. We’ve decided to break down the possibilities, from watersports to sailing the ocean waves or pleasantly …

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Motorcycle Guide: Types of Motorcycles and Financing Blog

Jul 29, 2021
  Is the open road calling your name? With beautiful weather and the turning of the leaves fast approaching, purchasing a motorcycle is the perfect choice to get the most out of a scenic drive. When it comes to motorcycles and exploring the open road, you have several options. What are the Different Types of …

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