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Resource One Credit Union Blog

Say ‘I Do’ Without the Debt

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...

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4 Reasons to Refinance Your Auto Today

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...

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Adventure is waiting, how are you getting there?

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...

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Do You Know Your Credit Score?

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,...

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Become a Future American with Help from R1CU

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...

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R1CU Celebrates 2021 ICU Day

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...

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Saving for Retirement with R1

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...

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What is Debt Consolidation?

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.

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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...

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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...

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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...

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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....

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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Debit Card Fraud

Tis 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...

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Managing Debt

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....

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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...

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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...

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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...

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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...

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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...

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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,...

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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...

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Small Business Economic Relief Program – Houston, TX

Has your small business been impacted economically due to COVID-19? If you are located in the Houston area, the City has created a grant program to help businesses survive during this time. Funded by the CARES ACT, the City of Houston is giving out Small Business...

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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....

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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...

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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....

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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....

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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...

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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...

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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...

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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,...

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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...

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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"...

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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...

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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...

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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...

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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...

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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...

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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...

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When Times Are Tough, We Can Help

In tough times, it's more important than ever to develop and maintain good financial habits. Having a household budget and shedding high-rate credit card debt are two obvious things that could benefit most consumers. But figuring out where to start can be a daunting...

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3 Reasons Why You Need a Credit Card

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...

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COVID-19 Mortgage Forbearance: What To Know

The COVID-19 pandemic disrupted almost everything in our world. It created massive unemployment, hurt countless businesses, and left many people wondering how they were going to make ends meet. Unsurprisingly, the pandemic also had an impact on mortgages. For new...

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Celebrating the 4th of July

As cities cancel 4th of July celebrations, many Americans have found themselves looking for ways to have fun while also social distancing. With help from modern technology and a bit of compromise, you can get your family's 4th of July experience this year. Virtual...

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Unemployment Scam: Are you at risk?

Have you received a letter for an accepted unemployment claim you haven’t filed? Have you received letters from other states accepting your unemployment claim? Or maybe, you noticed a large deposit in your account you did not expect? If you can say yes to any of these...

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Father’s Day Ideas 2020

Whether the pandemic, distance, or work stand in the way of celebrating Father’s Day, there are a few ways to help celebrate this day with your loved ones. From outdoor activities to virtual parties, you can find the perfect solution to spending time with your dad...

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How Credit Card Return Protection Works and Benefits

How Return Protection Works Buyer's remorse is a feeling no shopper wants to experience, especially after deliberating on a big purchase for some time. Thankfully, many stores today are quite accepting in their return policies and receiving your money back usually...

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What You Need To Know Before You Refinance Your Mortgage

Refinancing Your Home: What You Need to Know While most people think of the mortgage application process as something you go through when you consider buying a house, a significant percentage of mortgage applications are lodged by current homeowners seeking to...

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5 Good Reasons To Get A Personal Loan

Should you borrow money? Does your financial situation justify a personal loan, or should you try to avoid any debt at all costs? These types of questions often go through the minds of folks who are contemplating applying for personal loans irrespective of the...

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5 Tips On How To Maintain A Good Credit Score

Maintaining A Good Credit Score A good credit score is a key that can open many doors. It can affect your ability to obtain a mortgage loan or to be approved for a lease when you rent an apartment or townhouse. It can affect your chances of getting an auto loan and...

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Credit Union vs Bank Loans: Which Offers The Best Loans?

Should I Take Out a Loan with a Bank or a Credit Union? Whether you want to consolidate debt, work on your home, or pay for a substantial and unexpected expense, you'll need to find the right financial institution for opening a loan account. For both personal loans as...

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9 Steps To Buying a House in 2020 – Step by Step Guide

Buying a house is a big step no matter when you decide to take it — but the market frequently changes, especially in areas with a high demand for homes. If purchasing your first home or moving into a new space is on your "to-do" list for this year, how should you go...

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8 Tips To Manage Your Credit Card Debt

Helpful Tips for Managing Your Credit Card Debt Did you know that the average American household carries nearly $10,000 in credit card debt? Many people open their first card with the idea that they will use it to "build good credit" — and that's certainly possible...

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4 Small Business Loan Options During Coronavirus

Business Loan Options During COVID-19 The COVID-19 (novel coronavirus) pandemic has posed unprecedented challenges for the American small business economy. As states around the country have issued stay-at-home mandates and other strict requirements, many businesses...

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6 Types of Mortgage Loans – How to choose the best one

Are you thinking about buying a home? Whether this is your starter house, the home where you’ll raise your family or the dream home you’ve been working toward your whole life, buying a house is an exciting, momentous milestone in your life. Of course, buying a home is...

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Credit Union Personal Loans

Are you looking to take out a personal loan? Whether you are seeking a personal credit loan, a credit builder loan, or a way to consolidate loans and debt that you already have, you can go to either a bank or a credit union for virtually any type of personal loans. In...

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How to Get a Credit Card with No Credit

Can you get a credit card with no credit? This question is common among individuals who are applying for their first-ever credit cards. Especially for young adults who are trying to build up their credit and financial independence, getting approved for a credit card...

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What Is a Credit Union and How Does It Serve Its Members?

Many people who visit Resource One Credit Union have questions about what a credit union is and how it compares to private banks. Although the differences are substantial, they’re easy to understand, and it’s just as easy to bank with a credit union as it is to work...

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Basic Concepts in Finance

Somewhere in between learning multiplication tables, history, or chemical formulas, you might think it would make sense for a grade school education to include information to help equip students for the financial realities of their future independence. Unfortunately,...

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How to Build Your Credit | Easy Step by Step

Good credit is the key to many things. Your credit score will impact your ability to get a credit card. It will affect your ability to get a loan. It will be a factor when you apply for housing. For all these reasons and many more, it is important to build credit and...

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How To Apply For A Student Loan

Simply put, college is expensive. According to data compiled by U.S. News & World Report, the average “sticker price” for college for the 2019-2020 school year is $10,116 for public in-state tuition and fees, $22,577 for public out-of-state, and $36,801 for...

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The 2019 Guide for First-Time Home Buyers

It’s often said that buying a house is one of the most complicated financial transactions that the average American is likely to undertake in their life, and that’s not an exaggeration. The process is complicated from beginning to end, but it’s something that is...

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How To Get A Car Loan With Bad Credit

Don’t Let Bad Credit Keep You from Buying the Car You Deserve If you have bad credit or no credit, the idea of getting a new car may seem out of reach. Even if you believe that you can get one, often you may compromise your hopes before you start looking, telling...

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How to Refinance your Mortgage | Step by Step

The process of seeking your first mortgage can be a stressful one, and the day you close is often a time of great relief — both because the effort is over and because you're soon to be the proud owner of a new home. For many home buyers, though, mortgages are all...

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A Graduate’s Guide to Buying a Car

Crossing the stage to receive a handshake and your college diploma is an incredible moment, the culmination of years of hard work and intensive study. As you begin to think about the next stage in your life, many things require your attention — not the least of which...

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Full Guide to Building Credit

At many critical points in one's life, "good credit" is perhaps the most important asset you can possess. Whether you need to purchase a new car, want to buy a home, or even start a business, good credit opens doors and allows you to access sources of funding that...

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Credit Union vs Bank | What’s Better for You?

Deciding where to do your banking is a crucial decision to make for your financial future. It will influence the convenience with which you can access your money, what types of perks and benefits are available to you, how quickly your savings can grow and accumulate...

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Best Small Business Loans for 2019

Best SBA Loans for 2019 | Resource One Credit Union   Running your own business can be incredibly rewarding, but it comes with many challenges that you must successfully address as well. Of those challenges, the financial aspect of your operations can be the one...

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Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.