Obtaining credit is a big step. Before you sign on the dotted line, make sure you understand what you’re signing up for.
Interest Rates: How much do you want to pay to borrow money? 21%, 18%, 12%? Are you earning that kind of interest on your savings? No! Be smart; shop for the lowest interest rate you can find.
Late Payment Penalties: You could be charged a $35 late fee on a $50 monthly payment! Always make payments on time, or sign up for automatic payments so you'll never have to worry about making payments.
Beware of Introductory Offers: Some credit cards charge little or no interest for the first six months to one year, but after that the rates go up. Read the terms of the credit card carefully so you know what the rates will be after the promotional period.
Annual Fees: Some credit cards have annual fees; some don’t. If the card has a fee, check out the reason for it. Does the card offer benefits, such as store discounts or travel rewards? If you don’t need the benefits offered, pick a card with no annual fee.
Check out the various credit cards Securityplus has to offer!
— No matter what stage of life you’re in, your credit union can make the ride a little smoother. —
There’s a first time for everything, but that doesn’t mean you have to go unprepared. Here are a few firsts Securityplus can help you with.
So you’re ready to make one of the biggest commitments of your life? We’re experts at financing the big day expenses — and beyond.
No matter how much you plan, things can still go wrong. During times of unexpected hardship, your credit union is still willing to help.
Whether a new baby or a new pet, a growing family means growing expenses. We can help you prepare for those changes in your budget.
Whether you're looking to vacation or you're relocating, Securityplus wants to make sure finances don't stand in your way.
You've spent most of your life preparing to retire. We can help ensure that you are financially equipped to do so comfortably.