Most people know that a strong credit score can make borrowing easier and can help secure lower rates and more favorable terms. That’s why so much attention goes to one question: “What’s my score, and is it high enough?” While that question is important, lenders need to understand more than...
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At Patriot Federal Credit Union, we believe financial wellness is an important part of helping our members achieve their goals and build a stronger financial future. That's why we're proud to recognize the growing number of Patriot team members who have earned the Certified Credit Union Financial Counselor (CCUFC®) designation...
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For most people, the penny is a U.S. staple. It’s always been around, albeit usually tucked in couch cushions, stashed in piggy banks, or lingering at the bottom of a purse. So, when the United States announced it would end production of the penny, it naturally raised a few eyebrows....
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Many people assume all financial institutions are the same. After all, both banks and credit unions offer checking accounts, loans, and online services, like digital banking. But credit unions are built on a very different model – one that puts people over profits. That difference is what sets them apart...
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Starting in 2025, Pennsylvania is introducing new requirements for businesses and organizations to file an Annual Report (DSCB:15-146). This change applies to a wide range of domestic and foreign entities. Here's everything you need to know to ensure you stay compliant and avoid delays.
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One thing that all small business owners share is that they wear multiple hats. Unlike larger companies that can hire for each specific role, there are a multitude of tasks that rest squarely on your shoulders. Aside from the day-to-day operations of your business, you’re responsible for accounting, marketing, legal,...
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What’s the one item that everyone seems to have with them at all times? It’s their smartphone. Smartphones allow us to communicate, learn, read, shop and be endlessly entertained. Smartphones deliver all this value in a device that’s easy to use, affordable to most and fits neatly in our pockets....
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Starting a small business is exciting, but handling the finances can be a bit tricky. Think of budgeting as your friendly guide in this money maze.
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When choosing the right financial partner for your small business, it’s essential to consider not only the financial products and services required for operation, but also other qualities that can impact the long-term success of your business. Not all financial institutions are created equal, and their differences can affect their...
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