Blog


How Millennials Can Make the American Dream a Reality in 2018

By: John Hirabayashi

Posted on 6/15/2017 12:00:00 PM

Lack of millennial buyers is one of the trends that is causing homeownership in the United States to dip to an all-time low, but there are many reasons millennials are hesitating to purchase.

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8 Ways to Streamline Your Life Using Your Checking Account

By: John Hirabayashi

Posted on 3/29/2017 12:00:00 PM

Setting up your checking account for the first time? Here are some tips on the most effective way to use it, presented by Community First Credit Union.

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Easy Ways to Save Money for an Emergency Fund

By: John Hirabayashi

Posted on 2/2/2017 12:00:00 PM

Getting an emergency fund started might seem daunting, but there are easy ways to make it happen.

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5 Ways to Use Your Tax Refund to Establish Financial Confidence

By: John Hirabayashi

Posted on 1/10/2017 12:00:00 PM

Turn your extra cash into financial confidence with your tax refund this year.

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What is a Credit Score?

By: John Hirabayashi

Posted on 10/10/2016 2:18:34 PM

Really understanding what your credit score means and how it can affect your life is one of the keys to getting your finances on track.

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Tips to avoid identity theft

By: John Hirabayashi

Posted on 9/2/2016 12:00:00 PM

You can minimize your risk of becoming a victim of fraud. Learn more in this blog from Community First.

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What is a Digital Wallet?

By: John Hirabayashi

Posted on 7/8/2016 12:00:00 PM

A digital wallet is a convenient way to carry your debit or credit card information on your mobile device. Learn more in this blog from Community First.

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Easy Ways to Eliminate Credit Card Debt

By: John Hirabayashi

Posted on 5/9/2016 2:16:35 PM

Here are some easy steps you can take to improve your financial future and make credit card debt a thing of the past.

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Time & Money Savings Tips from our Mortgage Experts

By: John Hirabayashi

Posted on 4/7/2016 12:00:00 PM

These insights from the mortgage loan officers at Community First can help save you time and money when you are ready to purchase a home.

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Learn How to Calculate Your Debt-to-Income Ratio

By: John Hirabayashi

Posted on 3/30/2016 12:00:00 PM

Get a better understanding of your finances by calculating your debt-to-income ratio. Learn more in this blog from Community First.

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Community First Credit Union Members Save up to $15 on TurboTax

By: John Hirabayashi

Posted on 2/8/2016 2:14:05 PM

As a Community First member, you can save up to $15 on TurboTax federal products. Learn more about how you can save through Love My Credit Union Rewards.

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Reduce Your Student Loan Debt This Year

By: John Hirabayashi

Posted on 1/19/2016 12:00:00 PM

With college tuition costs soaring, more students are finding themselves in significant debt upon graduating. It's important to develop a plan of attack early to help reduce and manage debt.

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How Do I Plan for Retirement?

By: John Hirabayashi

Posted on 1/3/2016 2:19:04 PM

Retirement can sneak up on you. You are busy with other things in life that demand your attention, such as work, school, raising children and pursuing your other life goals. Before you know it, retirement time has arrived.

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5 Myths About Your Credit Score

By: John Hirabayashi

Posted on 6/1/2015 12:00:00 PM

If you're hoping to improve your credit score, learning exactly how the system works is the first step. Understanding the truth about what impacts your credit score will help you plan to reach your goals. In this infographic, Community First Credit Union dispels five popular myths about credit ratings.

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How to Budget for Monthly Household Spending

By: Hirabayashi

Posted on 11/12/2014 12:00:00 PM

Whether you have lived on your own for a long time, or you are just starting out in your first place, having a budget in place is essential. A budget ensures that all the necessities are paid for on time. Plus, it gives you money for additional things like entertainment, vacations and other fun stuff. If you don't already have a budget in place, here's how to get started.

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Is a Credit Union Right for Me?

By: John Hirabayashi

Posted on 11/11/2014 12:00:00 PM

Credit unions and banks may provide the same services, but there are a few important distinctions between the two types of financial institutions. A credit union may actually be a better choice than a bank, depending on the situation.

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Tips for Buying Your First Car

By: John Hirabayashi

Posted on 11/11/2014 12:00:00 PM

Help make your car buying experience a little easier. Follow the route in the infographic to learn a few tips to assist you in the purchasing process.

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How Credit Card Usage Affects Your Credit Score

By: John Hirabayashi

Posted on 11/10/2014 12:00:00 PM

Credit cards can be a great way to improve your credit score. However, you must be careful and manage your credit card use, so you don't get caught in an endless cycle of debt. This debt can pile up until it is nearly impossible to dig your way out of. The following tips will help you manage your credit card use and increase your credit score.

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The Pitfalls of Payday Lending

By: John Hirabayashi

Posted on 11/9/2014 12:00:00 PM

If you are considering a payday loan, you need to read the following information before you follow through with your loan application.

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Adjustable Rate versus Fixed Rate Mortgages

By: John Hirabayashi

Posted on 11/9/2014 12:00:00 PM

Choosing the right type of mortgage is vital to getting what you want out of your home purchase, however, many people have difficulty understanding the types of mortgages available and what makes them different.

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The Value of a Good Credit Score

By: John Hirabayashi

Posted on 11/8/2014 12:00:00 PM

A good credit score can help you in many areas of your life, while a bad credit score can hinder you in many areas. It is important to check your credit report annually so you know what is being reported.

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How to Prepare to Buy Your First Home

By: John Hirabayashi

Posted on 11/8/2014 12:00:00 PM

If you are looking to purchase your first home, it's not as easy as finding a home for sale, writing a check and moving in. There are many things you should do to prepare yourself and your finances so that you can purchase the home of your dreams when the time is right.

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Should I Finance My Car Loan with a Dealership or My Bank?

By: John Hirabayashi

Posted on 11/7/2014 12:00:00 PM

When you purchase a vehicle, you have a couple of options. You can purchase the car with cash, but with the current state of the economy, many buyers are unable to do this. You can also finance your vehicle. You can obtain financing through the dealership or the financial institution that you do all of your personal banking with. Before you choose who to procure a loan from, you should know all of the pros and cons for each type of financing. This will help you make a wise choice for both your pocketbook and your credit score.

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What kind of Checking Account is right for you?

By: John Hirabayashi

Posted on 11/6/2014 12:00:00 PM

There are many types of checking accounts available; some accounts charge fees for many things, to include withdrawals, deposits, writing checks, not using the account and even simply having the account open. You should always choose a free checking account, but it's important to do your research and see what types of free checking accounts are available so you can choose the type of account that best meets your needs. At Community First Credit Union, we have several checking accounts that are completely free so you can find an account that is right for you. Each free checking account offers several different benefits, so there is an account to meet the needs of every customer.

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Benefits of a HELOC

By: John Hirabayashi

Posted on 11/5/2014 12:00:00 PM

A home equity line of credit (HELOC) is a great way to obtain cash for your needs, whether you are looking to do some work on your home, or you want to consolidate some other debt, such as credit cards, medical expenses or other major expenses. This type of lending has declined in recent years, but lenders are once again seeing an increase in HELOC applications from lenders. If you own your home and are looking to restructure your finances, a HELOC can be a great option. Here is what you need to know if you are considering a HELOC.

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How Much Home Can I Afford?

By: John Hirabayashi

Posted on 11/4/2014 12:00:00 PM

Buying a home is just a small part of the American dream. Many people feel more complete once they own their own house, as it is a tangible reward for years of hard work. If you are looking to buy a new home, whether it is your first home or you are a veteran home buyer, you have a lot of research and planning ahead of you. One of the most important things to determine is exactly how much home you are able to afford on your budget. Here are a few tips to help you calculate just how much you can spend on a new home.

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First Time Home Buying Tips

By: John Hirabayashi

Posted on 10/30/2014 12:00:00 PM

The home buying process can be overwhelming for most buyers, whether you are new to the home buying game, or you've been around the block a few times. If you are preparing to purchase your first home, there are some things you should keep in mind to help reduce your stress and make the process a little easier on you and your family.

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