Do I Need A Credit Card?

  Credit cards often get a bad rep, but they are necessary for your financial health. Used responsibly, they can help build your credit and increase your access to financial products. Why do I need a credit card? It’s understandable to want to avoid the risk of overspending. However, when used responsibly, Credit Cards are …

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Beginner’s Guide to Credit

Credit is a report card of your trustworthiness with money. It shows how responsible you are at borrowing what you can pay back and paying back on time. It may seem like one of those things you can live without when you’re first starting. Still, as your financial goals grow and change, you’ll need a …

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CTFCU Book Review

Have you been stuck in an overthinking rut or wondering, “What should be my first step toward making my dreams come true? Then, we recommend Dream First, Details Later: How to Quit Overthinking & Make It Happen! by Ellen Bennett. It’s an excellent read for the soon-to-be entrepreneurs wondering how to get started or anyone looking for …

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

  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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Why Finance a Car at a Credit Union?

  When shopping for a new set of wheels, your first stop should be right here, at Carolinas Telco Federal Credit Union (CTFCU). Financing with your credit union can give you a lower rate, a more straightforward loan application, and other benefits.   What is it like financing at a Credit Union? Getting an auto …

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Ready Set Coloring Challenge

    Why should adults have all the fun? Celebrate the last week of our Speed into Saving Promotion! Enter your child to win one of three Super-Saver Prize packs! Start by downloading a printable coloring sheet HERE then share their completed artwork on social media For Facebook: Comment the complete artwork under our contest …

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Gary On The Go!

  We sat down for a chat with our Road-Trip Connoisseur and Crisman St Branch Manager, Gary T, for some road trip tips, fun stories of road trips past, and even a few poignant life lessons.     CTFCU: Let’s jump in—what lead you to start making road trips?   Gary: It’s just an adventure. Sometimes I’ll …

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Advanced Child Tax Credits

  Beginning July 15, many families will receive half the total Child Tax Credit as an advance this summer. Families will claim the other half of the credit when they file their 2021 tax returns. This means that households will be receiving this credit over the next few weeks either by direct deposit or by …

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Adjustable Rate Mortgage Explained

  Whether you are a first time home buyer or looking to move into your next dream house, getting the right mortgage is crucial to helping you accomplish your goals. While there are many home financing options available on the market today, let’s take a look at the popular adjustable rate mortgage and how it …

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National Credit Union Youth Month 2021

  We’re celebrating National Credit Union Youth Month by helping our “Young Savers” build their treasure. We will randomly select twelve (12) winners to receive prizes ranging from $50 up to $250, in the form of a savings account deposit. Follow the instructions below for your chance to win.   STEPS FOR PARENTS OR GUARDIANS: …

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