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Resource One Credit Union Blog
National Credit Union Youth Month 2023
CUNA’s Youth Month 2023 is an annual celebration held in April to promote financial literacy and savings habits among young people. Learn about the importance of financial education and incentives offered by R1CU during Youth Month.read more
Tax Day is Coming Soon!
Tax season doesn’t have to be stressful! As a valued member, we’re excited to offer you special discounts on tax prep services from TurboTax and H&R Block.read more
eAlerts for R1CU Members
As a member of R1CU, you have access to a variety of financial services and resources that can help you manage your money and achieve your financial goals. One tool that can be particularly useful in this regard is eAlerts, which are sent by text or email. In this...read more
Covering Spring Break Costs
Paying for spring break out of pocket might not be ideal for most. Find out ways you can cover the costs of your Spring Break Plans or replenish some of the overspendings you experienced to keep a money cushion in your account.read more
Should I Refi? A Homeowners Guide to Refinance.
Refinancing your home is an option that can help you lower your monthly payments, reduce your interest rate, and make your finances more manageable.read more
Quiz: Can a Personal Loan Pay for This Expense
Here is a quiz to help you determine whether a personal loan might be a good option for covering certain expenses.read more
Solving your Debt Puzzle
Is a Debt Consolidation Loan the missing piece to your never-ending debt puzzle? Find out if this loan could help with your current and ongoing debts owed.read more
New Year Resolutions Solutions
Making a New Years’ resolution is easy, but maintaining it is another matter. We have a few tips to start up and keep your goals running all year.read more
Blog | Setting a Budget – Interview with a Budget Buddy
In most cases, knowing where to start when making a budget is the hardest part. Budget Buddy and Financial Coach, Jary, shares some insight into making finances less stressful with a budget.read more
Blog | Marriage and Finances – An Interview with a Budget Buddy
Balancing a partnership with finances can be difficult to navigate. Budget Buddy and Financial Coach, Clarence, shares some insight to make finances less stressful in your marriage.read more
Protect Yourself This Summer, Don’t Share your Private Info Online.
Have you been contacted for your account information? Stop before you share! Just because you share a CU or bank doesn’t mean your info is safe with another person.read more
Blog | R1 Credit Card Quiz
Are you looking for a Credit Card but not sure which card is right for you? Take this short quiz to see which R1CU Visa® Credit Card might be the right for you!read more
Blog | Holiday Gift Scams to Watch Out for this Season
Are you aware of holiday gift scams happening this season? Take a moment to familiarize yourself with Holiday Gift Scams so you can keep you and your loved ones in the know this winter.read more
Blog | Winterizing Your Home Checklist
Is your home ready for the cold? Take a moment to review our Winter Home Care Checklist to make sure you are covered before the temperature starts freezing.read more
Blog | What Actually Happens During a Card Breach?
Has your card info been stolen? You might be surprised to hear that it has happened when buying from some place you trust. Worst of all, you might never even know about it. Keep reading to learn more.read more
Blog | When is it Time to Buy?
When is it a good time to buy your next new or used auto? Here are some reasons that might make you reconsider keeping your current vehicle.read more
Blog | Build Credit History and your Piggy Bank at the Same Time!
Building credit history and savings can be hard, but it doesn’t have to be. With help from our Credit Builder and Savings Builder loans, you can learn good financial habits and more.read more
Blog | Top 3 Accounts to Maximize your Financial Profile
How does your financial profile look? Make sure you are optimizing your money with the right accounts. Here are our top three recommendations.read more
Blog | Holiday Budget Ideas
Holiday overspending and stress can be avoided. Try out some of our holiday budgeting and organization tips to keep your spending in check!read more
Blog | Holiday $$$ Solutions
Do the holidays have you worried you might not be able to make ends meet? R1 Might have a loan solution to help you get past this year and the next!read more
Blog | What to Look for in a Checking Account
Does your checking account tick all the boxes? Look and see if you might want certain features that you never knew existed on your account. You might discover that R1 Spending accounts have what you need.read more
Blog | Home Improvement Projects for the DIY Novice
With the help of YouTube, more and more people are finding home DIY projects are easier than they might think. Here are some project ideas for beginning DIYers.read more
Blog | Dealing with Large Debt Loads – An Interview with a Budget Buddy
Is your debt load so heavy you’re struggling to keep your head above water? Budget Buddy and Financial Coach, Clarence, shares some insight to some questions you might need answered.read more
1/3, 1/3, 1/3 Saving Method for College
Help your child pay for college while teaching them how to handle their finances with this savings method.read more
Blog | Keeping Summer Plans Afloat
Don’t be left out this summer. Cover the costs of summer fun with the help of a Skip-a-Payment!read more
Blog | 4 Ways R1 Can Help You and Your Friends This Summer
Have you referred a friend? Not only are you rewarded, but your friend also gets some great benefits!read more
Blog | Federal Reserve Raises Interest Rates
What does raising rates mean? Here is a simple overview of what the FED is doing in 2022 regarding rates and how it can help and hurt your wallet.read more
Blog | Needs vs. Wants: Determining Necessities
Determining “needs” and “wants” is a big deal when needing to cut back on expenses. However, when happens when they overlap?read more
Blog | Help Your Kids Fulfill Their Big Dreams
By opening a youth savings account at R1, you can encourage kids to practice good financial habits that will enable them to fulfill their dreams.read more
Blog | College and Finances – An Interview with a Budget Buddy
Suddenly becoming more independent and having to manage your finances might be overwhelming with all the other changes college life brings. See if our Budget Buddies can help answer some questions you might have about your money.read more
Blog | P2P – Digital Payment Scam
Do you use Zelle, Venmo, or other digital cash transfer apps? Stay up-to-date on the most recent digital payment app scams, so you are ready if it ever happens to you.read more
Blog | Home Care Checklist
Is your home ready for warmer months? Take a moment to review our Spring Cleaning Home Care Checklist to make sure you are covered before the weather starts warming up.read more
Blog | Is your Piggybank Spring Break Ready?
Life events can cause you to break the bank. If you need funds for your spring break or need some help with saving money, R1 has some solutions for you.read more
Blog | 6 Questions to Ask Before Making a Large Purchase
Trying to decide on spending money or not can be never-racking. If you need help making a choice, ask yourself these 6 questions before you drop a ton of cash.read more
Blog | Things to Avoid While your Mortgage is in Pre-approval Status
Moving to a new home is very exciting, and that might make you feel the need to make some other big decisions. Something you might think is insignificant could affect your mortgage pre-approval.read more
Blog | Digital Options: Fast, Convenient, Stress-free
Is your primary form of payment still paper checks, or do you still visit in person to make account transfers or apply for loans? Switch to digital to speed up your transactions!read more
Blog | What Happens to your Account When you Die?
Have you set a beneficiary on your account yet? Here is why it is important to have a beneficiary set up in case something happens to you.read more
Blog | Co-signing a Loan: Perks and Risks
Have you been asked to cosign on a loan? This might be a bigger decision than you think. Consider these pros and cons before you decide.read more
Now Accepting: ITIN
As part of an ongoing mission to provide financial services to those residing in our communities, R1CU has officially added Individual Taxpayer Identification Number (ITIN) as an identification option. With this addition, we are able to serve more diverse populations...read more
6 Ways to Get Financially Fit in in the New Year
Are you looking to get into financial shape this New Year? Here are 6 helpful tips to get started.read more
Say ‘I Do’ Without the Debt
Something old, something new, something borrowed, something blue —a sweet wedding tradition, unless the something borrowed is thousands of dollars to pay for the big day. Money issues are the number one cause of marital conflict, so it doesn’t make sense to start...read more
3 Ways to Ditch Your Auto Loan Payment This Winter (and get away with it.)
Have you ever thought to yourself “if I could just not pay on my loan right now things would be much easier!” Well do we have great news for you. Resource One has three great ways to avoid payment this winter without affecting your credit. This offer is part of our...read more
4 Reasons to Refinance Your Auto Today
Many people think moving their auto loan from one place to another is too big of a hassle. Believe us; it’s not. All you have to do is start your application online, in person, or by starting a video banking call. One of our team members will start the application and...read more
Adventure is waiting, how are you getting there?
From the great outdoors to the best hotel money can buy, everyone has their perfect vacation destination. One thing many people miss is making the ride part of the trip! Getting from place to place can be just as enjoyable as the destination. With the R1CU Adventure...read more
Do You Know Your Credit Score?
Do you know what your credit score is at this exact moment? Do you even know what’s reporting towards that score? The good news is that you are entitled to one free credit report every 12 months. This report includes reporting from reporting agencies Experian,...read more
Become a Future American with Help from R1CU
Are you looking to gain citizenship for yourself or even your whole family? Let R1CU help you with this journey. This loan is perfect for moving forward with your loved ones and getting on the path to citizenship. With our two-tier loan system, you are given the...read more
R1CU Celebrates 2021 ICU Day
What is ICU Day? ICU Day or International Credit Union Day was brought to us by CUNA and WOCCU to celebrate the credit union movement. It's about raising awareness for credit unions and looking back on the credit union movement history, achievements, and member...read more
Am I in a Multi-Level Marketing Pyramid Scheme?
Pyramid schemes can be financially dangerous, but understandably alluring. Learn about what makes a pyramid scheme works and how you can be taken advantage of.read more
Your Top 5 Credit Questions Answered
You have questions about credit; we have the answers. Read about these common credit questions and even how you can get personalized tips on improving your credit score.read more
Saving for Retirement with R1
From 401k, investment accounts, and even IRA’s, or cashing in big on the lottery, you have many options when choosing which way you would like to save for retirement. But which plan is best for you? Well, that is up for you to decide. Your chances of winning the...read more
Strange but True: Credit
Over the years, you may have heard many myths about credit scores. Let us set the record straight.read more
What is a HELOC?
HELOC loans: the breakdown. Find out how it works and how it can be used.read more
What is Debt Consolidation?
By consolidating your debt, you can convert multiple bills into a single payment, making your finances more manageable. Find out what to look for and how to consolidate your debt at R1.read more
Checking In on your Credit
Reviewing your credit report can be overwhelming. Here are somethings to keep in mind when making sure your report is accurate.read more
Is check fraud still a thing? Why check fraud is still a thing.
In all the years checks have been around, how is check fraud still happening? Here is the scoop…read more
What is a Secured Loan?
Do these things and you could build better credit history and enjoy the benefits of lower loan rates.read more
Five Ways to Boost Your Credit Score Starting Now
Do these things and you could build better credit history and enjoy the benefits of lower loan rates.read more
Ways to Save in College
Going off to college is an exciting time! Your world is about to open wide so one very important skill you’ll need to know is saving while living on your own.read more
House Shopping: Devise a Down-Payment Plan
Are you thinking about buying a house in the next year or two? Most Americans still believe that buying a home is a good financial investment, according to the 2017 National Housing Pulse Survey, conducted by the National Association of Realtors. Eight out of ten...read more
R1 Cha-Ching Father’s Day
Make Father’s day a hit without knocking out your wallet. With a little help from R1 Cha-Ching powered by Bazing, you can use discounts and coupons to give your dad an extra special day. Our Prime and Direct Spending Account members can access these deals today and...read more
Watch Out For These Small Business Fraud Schemes
This article was provided by Advanced Fraud Solutions. Small and midsize businesses (SMBs) are increasingly falling victim to fraud operators. Most SMBs believe they won’t be targeted, given their size – they’re wrong. According to the Association for Financial...read more
15 Personal Loan Uses You Might Not Know About
Did you know that a personal loan can be used for anything you desire? For instance, an auto loan is used for, well… a car. There isn’t much leeway. But a personal loan is used for any personal expense you might have. When you think about it, your dream is the limit....read more
Vacation Rental Scams
Are you planning a trip this summer? Or maybe traveling over the holidays to visit family? Your dream vacation might turn into a nightmare if you fall victim to a vacation rental scam. Even if your trip is within the United States and not out of the country, it's just...read more
Paying for Your Child’s Higher Education
Most parents assume their children will complete high school and attend a 2- or 4-year college. As higher education costs continue rising, it becomes even more important to plan ahead and determine how your family will pay for it. Ideally, you should start saving as...read more
Teaching Teens Financial Responsibility
When your kids were little, you frequently heard requests such as “Will you read me a story?” or “Can we go for a bike ride?” Now that your offspring have morphed into teenagers, their pleadings often involve asking for money—your money. How can you tame their cash...read more
12 Ways to Save Vacation Money
Plan your next vacation ahead to ensure that you get the most for your money without sacrificing a good time. Then relax, knowing that you might even have funds left over when you get home. Here's how: Use R1 Cha-Ching powered by BaZing Your Spending account has...read more
IRS Imposters Among the “Dirty Dozen” Tax Scams
Email Here's the bad news about any unexpected good news you receive in an email from the Internal Revenue Service: It's probably bogus. For example, the IRS will not contact you via email, out of the blue, about a refund you didn't know you had coming. But, people...read more
Quick Solutions to Emergency Needs
Just when everything started to look more positive, February 2021 provided us with record-breaking low temps and snowfall that Texas hasn’t experienced in decades. Sadly, many households didn’t survive the winter freeze unscathed. If the weather has left your family...read more
Prepare Your Finances Before Buying Your First Home
Thinking about buying your first house? Even if you’re just curious, some real estate agents require proof of pre-approval before they can show you certain homes. To make the preapproval process seamless, your loan officer might request you provide the following...read more
Saving for Summer Fun
Are you looking forward to the summer? Maybe planning a vacation, but not sure how you’ll afford it? Here are a few ways to help you save so you can enjoy some summer fun. Direct Deposit - One way is to automate saving by diverting a portion of your salary into a...read more
Digital Garage Sale Scam
With social media and many websites evolving and integrating, it’s easy for scammers to take advantage of you. By selling things online, scammers will try to use this information to confuse or trick you into giving them the item or service you’re selling online. The...read more
Create A Plan For Your Stimulus Check
The Common Cents Lab has created a free COVID-19 Stimulus Check Planning Tool to help you get the most of your stimulus check. For many of the communities we serve are struggling to make ends meet as a result of financial hardship related to the COVID-19 pandemic. An...read more
Debit Card Fraud
is the season… for fraud. While you’re busy making holiday preparations here, there, and everywhere, fraudsters are working to take your money. This time of the year is what we in the business refer to as “Fraud Season” because scammers have an easier time taking...read more
Don’t wait until your debt grows to an overwhelming amount before you decide to consult a credit counselor. Talking to a counselor early can help you avoid getting to that stage. Credit counselors can help you make a plan for repaying debt while meeting ongoing needs....read more
How to Open a Checking Account
Opening a checking account is often the first step toward establishing a new banking presence. Whether you are getting your kids started with banking to teach them about money management and financial responsibility or setting up a new bank account following a cross...read more
What You Need to Open a Business Bank Account
If you are starting a new business, one of the first steps you’ll need to take is to open a business bank account. While you may be seeding your startup with your own cash, that doesn’t make it a good idea to use your personal bank account for all business expenses...read more
What Credit Score Do I Need for an RV Loan?
A recreational vehicle or RV can open up a considerable number of possibilities for the domestic traveler. From exploring campgrounds in national parks to road-tripping across the nation to see friends or family, the right RV gives you a mobile home base where you can...read more
Do You Qualify For a R1CU Credit Card?
A credit card, when responsibly managed and used, provides an important financial tool that you can use in many situations. By keeping your balances low and staying on top of regular payments, you'll build your credit history, improve your score, and develop a track...read more
Celebrity Facebook Live Scam
A popular way many celebrities interact with fans or promote their projects is by using Facebook Live. It’s great to see your favorite stars online especially when social distancing would otherwise prevent them from working. While you are enjoying this free...read more
How Does a Money Market Account Work?
Money market accounts are often pitched as the go-to banking account solution if you want your money to work for you. These accounts pair many of the most desirable features of a checking account with the perks of a savings account. As a result, they are a perfect...read more
Can I Refinance My Car with the Same Lender?
There are many different reasons why you might choose to refinance your auto loan. Refinancing can help you get a lower interest rate on your car loan, give you more manageable monthly payments, and even change the timeline on your loan. At Resource One Credit Union,...read more
How to Open a Bank Account Online with No Deposit
Access to a bank account is an important part of making one's daily life and interactions simpler, but a shocking number of people remain a part of the so-called "unbanked." These individuals typically deal only in cash and must rely on expensive check-cashing...read more
How to Choose the Best Mortgage
When you decide it's time to purchase a new home, whether to stake your first claim as a homeowner or to acquire a space that suits your needs, the process often seems very exciting. That is, at least, until you reach the stage where you must choose a mortgage....read more
4 Reasons to Get A Business Credit Card
Whether you’re self-employed, running a small startup venture with a few employees, or operating a thriving business that is charting rapid growth, it’s never a bad idea to have a business credit card in your back pocket. Having a business credit card makes it easier...read more
Why You Need Overdraft Protection
One of the most significant advantages to modern banking solutions, such as credit and debit cards, is the way they provide you with instant purchasing power. Instead of carrying cash everywhere, which is both unwieldy and unsafe, a quick swipe is all it takes....read more
Buying Property During a Recession
For good reason, many people have been holding off on making major purchases or financial commitments since COVID-19 struck. The coronavirus pandemic has created massive unemployment, a crushing recession, and lots of uncertainty in almost every aspect of our lives....read more
8 Ways to Avoid Identity Theft
When the phrase "identity theft" first rose to the prominence many years ago, some found it to be an almost comical idea — how could someone steal your identity? One would have to be very unobservant, the jokes went, to allow someone to make off with your sense of...read more
What You Need to Open a Bank Account
Whether it’s a new checking account or savings account for yourself, your first joint account with your partner or spouse, or a youth account for your son or daughter, our team at Resource One Credit Union is here to help. We offer a full range of accounts, from...read more
Why You Need a Credit Card in 2020
Are you hesitant to use a credit card? You certainly aren’t alone. While the credit card has become a more commonplace part of life over the past few decades, they still aren’t universal. The most recent data on the matter from the U.S. Census Bureau indicates that...read more
419 Scam or Advance Fee Scam
The 419 Scam or Advance Fee Scam is a constant risk for our members and community. In short, this fraud requires you to advance money in anticipation of getting a more substantial sum in return. The most common way for the 419 fraudsters to contact you is via email,...read more
How Digital Banking Can Make Your Life Easier
Are you tired of having to find time in your schedule every week or two to run to the bank and make a deposit? Are you tired of standing in line waiting for a free teller? Are you tired of sending checks to pay your bills? Particularly during the COVID-19 pandemic,...read more
Understanding Merchant Services for Your Business
Many challenges come with running your own business, but some of the trickiest problems are those you may not consider at first. For example, while you focused on developing a business plan that could make money, how much consideration did you give to actually...read more
Personal Finance Hacks for Students
College years are when many people establish financial habits that will carry them for the rest of their lives. For many teens, the first experience they have managing finances happens at college. This can be a big wake-up call that could end with a bill-bailout...read more
Which Resource One Auto Loan is Right For You?
The opportunity to buy a car is an exciting experience, no matter when it appears. Searching for a set of wheels is your chance to find a vehicle that lets you feel safe and comfortable while you get where you need to go. Unfortunately, there is still the "budget"...read more
Understanding Home Equity Loans
Whether you're already a homeowner or you're soon to become one, the word "equity" is one that you're likely to hear over and over again. "Building equity," "tapping into equity," and so forth — it is a word that is almost synonymous with home ownership. You'll even...read more
Teenage Driver’s Dilemma
Learning how to drive a car is one of the significant milestones in a teenager's life. Learning how to pay for its upkeep isn't as exciting, but just as necessary. Here are a few simple tricks to help you keep your wallet happy. New or used? Buying used is usually a...read more
Seven Ways College Students Waste Money
Going to college is expensive, no doubt about it. Between textbooks, tuition, housing, utilities, and maintaining a social life, managing your money can be challenging. So, here are a few habits to avoid if you want to save more of your money. 1. Buy new textbooks...read more
Refinance Your House
You might be one of many Americans who could benefit from refinancing your home. About 3 million borrowers could save at least $200 a month by refinancing. By refinancing and locking in a better rate on your loan, you could reduce your monthly payment and save...read more
How You Can Do Better Than 0%
When it comes to auto loans, a 0% interest rate is a head turner. But it's not always the best deal. Car dealerships generally advertise 0% offers in the summer when they're looking to make room in the showroom for newer models. The offers come from the financing arms...read more
When is Debt Consolidation the Answer? What You Should Know
The average American carries thousands or even tens of thousands of dollars in debt. Across the nation, according to Bankrate.com, consumer debt totals more than $14 trillion. From student loans to credit card debt, the financial burden many carry into adulthood can...read more
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