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Resource One Credit Union Blog

Tax Day is Coming Soon!

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.

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eAlerts for R1CU Members

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...

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Covering Spring Break Costs

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.

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Solving your Debt Puzzle

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.

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Blog | R1 Credit Card Quiz

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!

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Blog | Holiday $$$ Solutions

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!

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Blog | Home Care Checklist

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.

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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

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...

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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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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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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...

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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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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.