Why Good Credit Matters

December 17, 2018 BY AFFCU in
By Tracy Scott Good credit matters. At least that’s what you’ve always heard. Whether you’re new to credit or think you already have a decent credit score, it’s important to understand why good credit matters. But, what do people mean when they say “good credit”? When applied to an algorithmic formula, your prior use of credit (aka credit history report) is used to generate a credit score which is a [...]   Read More >

AFFCU Donates to the Helping Up Mission

November 26, 2018 BY AFFCU in
AFFCU Employees Assemble And Donate Hygiene Kits To Helping Up Mission Atlantic Financial Federal Credit Union employees used their recent annual training day to put together 150 personal hygiene kits. The kits were donated to the Helping Up Mission Baltimore. Each kit contained essential hygiene items including: shampoo, soap, toothbrush, toothpaste, shaving cream and razor, deodorant, and more. Helping Up Mission provides hope to people experiencing homelessness, poverty or addiction [...]   Read More >
what kind of credit score do you need to buy a car

What Kind of Credit Score Do You Need to Buy a Car?

November 20, 2018 BY AFFCU in
Many people use car loans to buy new vehicles. Obtaining a car loan requires meeting the lender’s qualifications for you. These vary from one lender to the next, but most use credit scores to help them determine your risk level. Individuals who have a low credit score will pay more to borrow money to purchase a car. Those with a good credit score secure a lower rate and pay less. [...]   Read More >
Online Holiday Shopping

Online Shopping Safety Tips: Nix Cybercriminal’s Naughty Plans This Holiday Season

November 20, 2018 BY AFFCU in
By Tracy Scott It’s hard to believe the holiday season is once again upon us. The good news is that this year you’re prepared. Your list is complete. You’ve checked it twice. Now, you're ready to complete your online holiday shopping for everyone who's been nice. Unfortunately, this is not only one of the busiest times of the year for retailers, but it's also one of the most lucrative for [...]   Read More >

How Do Car Loans Work?

October 25, 2018 BY AFFCU in
You’re ready to buy a new car. You’ve worked hard to get a down payment together. Your credit score is as high as you can get it. Now what? You may be tempted to head straight to the dealership to pick out a car. But, before you do that, it’s important to have a solid understanding of how car loans work. Understanding How Car Loans Work Car loans are available [...]   Read More >
weighing the pros and cons of refinancing a car

What Are The Pros and Cons Of Refinancing Your Car?

October 2, 2018 BY AFFCU in
A car refinance is a big decision. For some people, it opens the door to new opportunities – paying a lower monthly payment or reducing the interest rate on the car overall. For others, it could provide a way to consolidate some debt. However, before you decide to refinance your vehicle, consider both the pros and cons of doing so. There are some drawbacks of a car refinance in some [...]   Read More >
best time to refinance your car

When Is The Best Time To Refinance A Car?

September 27, 2018 BY AFFCU in
Investing in a car loan provides an opportunity to obtain new loan terms for your vehicle. Many times, it can open the door for potential savings, or it can help you reduce how much you have to pay towards your debt. Factors Affecting When Is The Best Time To Refinance A Car In every situation, a car refinance should be a thoughtful decision based on numerous factors including your goals, [...]   Read More >

Disaster Strikes. Protect Yourself During Your Compassion To Help Others

September 17, 2018 BY AFFCU in
As hurricane Florence moves out and the Carolina region begins to assess the damage, you may begin to question how you can help. And with plenty of hurricane season left this year there is the unfortunate chance that our support may be needed again. While it is admirable that you strive to help those in need, we unfortunately have to do so with greater discretion these days. So while you [...]   Read More >
used car loan

9 Steps For Buying A Used Car

September 13, 2018 BY AFFCU in
Very few purchases are more associated with slimy salesmen and oblivious buyers than used car sales. It's almost a cliché: The used-car dealer's eyes glitter with dollar signs as he pats the clueless buyer on the back and watches him drive off the lot with a total lemon. But buying a previously owned vehicle can also be a great way to save big on one of your most valuable possessions. [...]   Read More >

10 Painless Holiday Spending Tips That Work

September 12, 2018 BY AFFCU in
By Tracy Scott Fall Into Reality With These End of Year Budgeting Tips And Strategies  The long, hot days of summer are coming to an end and fall is just around the corner. Along with it are the realities of the financial costs of summer vacations, amusement parks, kid’s activities and hosting BBQs for family and friends that created priceless memories. Lazy summer days meant relaxing your wallet and having [...]   Read More >

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