not delete

Our latest news, most popular posts,
and an archive of credit union information.

What can we help you find?

Why Does Credit Score Matter?

Your credit score is an indicator of your financial wellness and responsibility. We have outlined how credit scores are calculated, why it matters, and steps to take to improve your score. How is my credit score calculated?The three major credit bureaus in the U.S. collect and share information on a person’s credit usage with potential

Read More »

How to Dispute and Pay for Large Medical Bills

Astronomical medical bills can be devastating to any budget. Here’s how to dispute and pay for large medical bills in five easy steps. Step 1: Review your bills.Typically, you’ll receive an Explanation of Benefits (EOB) from your insurance company in addition to the actual bill telling you how much you’re responsible for paying. It’s important

Read More »

The Importance of Financial Literacy in a Crisis

The COVID-19 crisis has caused income loss, uncertainties, and an increase in fraudulent attacks throughout Ohio and nationwide. Smart money management is more important than ever, but studies show that Americans are falling behind in financial literacy. While the U.S. is the world’s largest economy, Investment News reported it as ranking only 14th for financial

Read More »

Step 12 of 12 Towards Financial Freedom: Celebrate!

Is your debt shrinking? Have you gotten rid of one of your outstanding loans or lines of credit? Well, then it’s time to celebrate! Take the time, this month, to celebrate every small goal you’ve reached on your journey toward paying down debt. You don’t need to spend much to celebrate an achievement; find inexpensive

Read More »

Step 11 of 12 Towards Financial Freedom: Track Your Progress

Update every bit of progress you make on the debt spreadsheet you created earlier this year. Keep your spreadsheet in a visible place so you can quickly and frequently track your progress. Watching those numbers shrink will give you the motivation you need to work harder and make it all happen quicker. Just imagine; one

Read More »

How to Dispute an Error on Your Credit Report

As a financially responsible individual, you should be checking your credit on a regular basis. If all goes well, your credit card statements and report hold no surprises. Sometimes, though, you may find a mistake. When this happens, you’ll need to officially dispute the error to fix your score. Credit Report MistakesMost credit report errors

Read More »

Help! I Overspent on Christmas!

It’s easy to go overboard for Christmas. Giving extravagant gifts to your family members seems like a great idea … until you’re facing a huge credit card bill in January. However, it happened, approach this problem rationally. Blaming yourself is pointless; the important thing now is to right yourself financially. Fortunately, you’re not facing this

Read More »

Eight Ways to Beat Holiday Stress

‘Tis the season to be merry-except sometimes, it’s not. If you tend to feel stressed when the holidays roll around, here are eight tips to help turn that frown upside down. 1. Watch the buck Nothing kills the holiday cheer like a mountain of debt. Stick to a budget when doing your holiday shopping and

Read More »

Couples and Money: Truth or Friction?

Money is one of the most sensitive topics couples face. Disagreement over spending and saving habits is one of the most frequent causes of friction in a relationship. Truthful, frank discussion and mutual financial planning can go a long way to resolve the tension. BUDGET: A DIRTY WORD?Does the mere mention of a budget start

Read More »
Scroll to Top
On Line-On Time® Home
Banking & Bill Pay Login