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Resource One Credit Union Blog

Financial Literacy Quiz

How financially literate are you? Do you have the skills and knowledge to spend money wisely, save for emergencies, use credit cards sensibly, and protect your identity from being stolen? This short quiz will help you test your financial literacy to see where you need...

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Think Twice Before You Post

Earlier this year, a Facebook challenge went around called “10 Bands I’ve Seen, and One Is a Lie.” Posters then listed the names of nine bands they’d seen and one that they hadn’t, and their friends had to guess which was the lie. The person sharing the list often...

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Preparing a Disaster Kit

The number of natural disasters, particularly weather-related disasters, appears to be rising each year. If you live in a hurricane-, earthquake-, or flood-prone area, you know you may only have seconds to get to safety. Since help may not arrive immediately, it’s...

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How to Save When You’re Invited to Everyone’s Wedding

Wedding season is just around the corner and soon you may see a few wedding invitations in your mailbox. What do you do when it looks like ALL your friends are getting married next year? Can you afford to get gifts for everyone, as well as pay for clothing and...

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10 Easy Halloween Safety Tips

Halloween should be an exciting time of year for children and their parents, but too often the celebration devolves into tragedy. This season, make safety the top priority for your family. Best Practices for Parents The U.S. Centers for Disease Control and Prevention...

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Check Your Free Credit Reports Throughout the Year

It's important to check your credit report at least once annually to monitor for signs of identity theft or fraud, as well as check for any errors. Have an R1CU Prime Spending Account? If so, be sure to sign up R1 Cha-Ching. With R1 Cha-Ching your credit reports from...

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How to Get a Great Price on Your Next Car

Are you thinking of buying a car, but want to make sure you get the best price? Here are a few tips to help you find the right car at the best price. Buy “off-season.” Peak demand for cars is in the spring and fall, but if you want to find a bargain, shop for a car in...

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Freezer Tips for Smart Savers

Freezer Tips for Smart Savers No one likes throwing away food, especially if you’re trying to save money. But what do you do with those fresh string beans you got on sale that may not get eaten before they go bad? Freeze them. Follow these handy tips and you’ll be...

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Spending Accounts

Resource One CU: Spending Accounts It may have been years since you wrote a physical check to pay for goods and services, but the fact remains that the checking account is still many Americans’ primary spending account. When you open a Resource One Checking...

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What you need to know before getting a credit card

For so many, the decision to get a Resource One credit card is an easy one. With perks like credit card rewards, points, miles and cash back bonuses — plus the ability to build credit — credit cards can bring a lot of value to your financial life. But once you decide...

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Get eAlerts with Resource One Credit Union!

There are so many benefits to being a member of Resource One Credit Union. At the top of that list are eAlerts, which allow you to be in full control of all your accounts. eAlerts allow you to monitor your account 24/7 by creating customized text and/or email alerts....

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Emergency Fund – Start Small, Think Big

Many people wonder how they can build an emergency fund when they’re trying to pay off my debts. It isn't as hard as you might think. The strategy is to start small, change a few habits, and change your mindset. If you're starting from scratch with your emergency...

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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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Auto Smart Car Buying – Resource One Credit Union

So, you’ve decided to get behind the wheel of a brand new (or new to you) car. Now what? With so many options to choose from, even the most discerning car buyer can find it difficult to know where to start. Resource One can help. With Resource One AutoSmart, you can...

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Unplug Your Kids from Technology with Summer Camp

Children are increasingly becoming dependent on TV, game consoles, or other electronic devices for entertainment. Summer breaks often means they’ll spend more time in front of a screen. To get your kids outside in a healthy, natural environment, consider sending them...

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Resource One Credit Union – Spending Accounts

Resource One CU: Spending Accounts It may have been years since you wrote a physical check to pay for goods and services, but the fact remains that the checking account is still many Americans’ primary spending account. When you open a Resource One Checking Account,...

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Fill out a Membership Application today

  Are you ready to take control of your finances? If so, Resource One Credit Union is here to help. When you join a credit union, you can expect to enjoy the benefits that come with being a Member and not just another customer. But when you open an account with...

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Financial Tips For Single Parents

Smart money management is always important, but it can take on more urgency for those who are without a partner. Whether you’re divorced, widowed, or single by choice, single parenting brings unique budgeting challenges. Marilyn Timbers, a Connecticut-based financial...

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Protect yourself from identity theft this holiday season!

For many, it's a nightmare. You find the perfect gift for a loved one on your holiday shopping list. You wait in a long line at the register and then your card is declined. You know you have money, so it doesn't make much sense. You give your bank a phone call and...

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Build Your Credit as a Resource One Credit Union Member

 Starting out in the financial world without a deep credit history can be frustrating. After all, with little to no credit, it can be difficult to convince a company to take a chance on you. This can hinder your ability to rent an apartment, open a phone line, or...

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Learn more about Debt to Mortgage or Debt to income ratios.

Life is expensive. You probably have a car payment, phone bill, insurance, and a number of other necessary expenses each month. When you add all those expenses and divide them by your gross monthly income, the result is your debt-to-income ratio. As an example, if...

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Auto Finance: Made Easy

Buy a new or preowned car without all of the hassle, contact us to find out how! Auto Finance: Made Easy - Buy a new or preowned car without all of the hassle, contact us to find out how!  If you’re anything like millions of Americans, you can’t just go down to a car...

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Mobile banking tips: How to get the most out of the app

Congratulations! You’ve signed up for Resource One Credit Union’s Mobile Online Banking. Now you’ve got total access to your accounts right in the palm of your hand. Check your balances and transactions both in real-time and around-the-clock, or send money to friends,...

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Beware of card skimming!

Most people know how frightening it can be to lose your credit or debit card or have it stolen. But did you know that someone can steal your card information without it ever leaving your possession? Victims of credit card skimming often don’t even realize their...

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The 4 Hidden Dangers of Membership Club Shopping

If you’re feeding an army or just a hungry family, you’ve probably been considering the benefits of membership in a shopping club like Sam’s Club, Costco or BJ’s Wholesale. On the surface, the membership decision seems like a very simple calculus. You take your...

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Creative Ways to Save On Energy Costs

Are your summertime electricity bills astronomical? Check out our list of 10 creative ways to trim your bill in the summer and all year ’round! Plant trees If your home has lots of west-facing windows, you’re likely getting loads of sunlight each afternoon, and that’s...

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APR Explained: Why a Lower Rate Is Your Highest Priority

The most annoying part of credit card debt is the monthly statement. It’s a dense plate of word salad served with a heaping dose of guilt dressing. The only part of it that’s easy to understand is the “payment due” – and that’s just the way credit card companies like...

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Shop Local!

Your credit union is built on the idea of people helping people. You already know we can do a better job looking after your money than a mega-chain bank that answers to shareholders, because we know you and our community. So why give that up when you find a bargain...

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7 Common Life Insurance Myths Debunked

Having sufficient life insurance is important. And yet, so many of us buy into popular misconceptions, convincing ourselves we don’t need to bother purchasing a policy. But don’t be fooled. Read on to see how seven of the most widespread life insurance myths are...

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The Dos and Don’ts of Credit Repair

Looking for ways to improve an unfavorable credit score? Look no further! Our handy guide will help you get on the road to improving your score. Do: Determine your actual credit score. If a recent credit application of yours has been denied, find out why. Each of the...

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5 Low-Cost Holiday Family Activities

It can be difficult to find something everyone enjoys doing. Uncle Phil wants to watch the football game, while Aunt Linda wants to decorate cookies. You’re trying to keep peace without making family time feel like a chore. What can you do to keep everyone happily...

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Gift Card Holiday Shopping Guide

With Thanksgiving already in the past, holiday shopping is on the minds of many. You might have gotten off to a solid start but have a few people left on your list that have you stumped when it comes to deciding what to get them. One of the simplest ways to check them...

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Was There A Credit Union At The First Thanksgiving?

Was there a credit union at the first Thanksgiving? The short answer is no, there was not. The first Thanksgiving occurred in 1621, which was 150 years before the creation of the first credit unions. In fact, the first modern financial institutions wouldn’t reach the...

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Your Credit Score: The (Other) Key To Your New Home

Every potential home buyer dreams of the day they’ll finally get the symbol of independence, security and prosperity: the key to the front door of their new home. Before you get that one, though, there’s another key you need to craft. Your credit score, a numerical...

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How Not To Bust Your Holiday Budget

The holiday shopping season is in full swing. The malls are packed with eager shoppers. Offers and promotions are coming from clothing stores, electronics retailers and other shopping sites. They’re probably flooding your inbox, and your physical mailbox is getting...

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Rising Interest Rates: What Do They Mean For You?

If you read financial headlines, you’ve no doubt seen the news that the Federal Reserve is raising interest rates. These headlines can be accompanied with all sorts of hyperbole about the end of the stock market, the boom of bonds or any of a dozen other possible...

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Credit Cards Or Debit Cards – What’s The Smartest Swipe?

Most people own at least one debit card and at least one credit card. They know they have them, but they may not know about all the differences that exist between using a credit card and a debit card. Believe it or not, there are many. The most basic difference is the...

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How To Get By In An Emergency: Personal Loan Or Credit Card?

Unexpected expenses, by nature, can come out of nowhere. Your check engine light comes on, and your car demands you put another thousand dollars into keeping it on the road. That cough that just won’t go away turns out to be more serious than you thought. Your air...

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Regulation D: How Does It Affect Me?

Have you ever wondered about the real differences between your savings and checking accounts? Many people realize there must be more to it than just the fact that one includes checks and the other does not. However, they just don’t know what those differences are. So...

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Feeling Stuck In Your Car Loan? Might Be Time To Shop Around!

Bills are a lot like bad weather. They’re going to come anyway, so you might as well not try to fix them, right? For some bills, that’s the case. For others, though, you can make a big difference in your monthly budget with a little legwork. One of the bills you can...

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What You Need to Know About EMVs

Are you a swiper or a dipper? Chances are, you have at least one EMV chip-enabled card in your wallet. EMV, which stands for Europay, Mastercard and Visa, and has been used for years throughout the world, was introduced in the U.S. about 18 months ago. The cards are...

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Save Money While Vacationing Abroad

Winging your way across the ocean, whimsical browsing in quaint shops and dining on exotic fare in an outdoor Paris cafe are the things that make up dream vacations. But when you’re wondering whether the money changer has taken you for a ride or you’ve busted your...

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Bill Pay Upgrade

IMPORTANT: PLEASE READ With our new processing system, there are some changes that will affect the products and services we provide to you. We want you to be aware of these changes and ask that you read this email carefully to help ensure the transition to our new...

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Q&A: Tax Form Secrets Revealed

Q: Tax forms have started rolling in and my mailbox looks like a can of alphabet soup exploded in it! What do I need and where do I start? A: This is a tough time of year for people who don't like paper. Starting at the end of January and continuing through March,...

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Time Is Money: Teaching Your Kids To Value Their Time

An alarming Glassdoor survey found that more than half of Americans don't negotiate their salaries. That means most people will continue working for the same pay, even as their value to the workplace and their experience increases. How can you teach your kids to not...

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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.