If you're struggling with debt and have a lower credit score, it can feel like an endless cycle - high interest rates, declined loan applications, and monthly payments that barely make a dent. But here’s the good news: you are not stuck. No matter what your credit score, there are...
Buy Now, Pay Later (BNPL) programs may be the latest payment craze, but the concept isn’t new. These same principles made credit cards, loans, and even layaway popular. However, these payment options are gaining traction due to the lure of no-interest charges, convenient repayment schedules, and easy approvals. Combine these...
Graduation season is here, and it’s time to celebrate. Congratulations if you’re one of the many students crossing the stage this spring! Earning your degree is a huge accomplishment. However, as you step into this exciting new chapter, you might be wondering, what’s next? Whether you’re stepping out into the...
Attending college is an exciting milestone, and with the right financial plan, it can also be an affordable one. Whether you’re a student preparing for your future or a parent helping your teenager get ready, taking proactive steps now can make a significant difference. From saving early to finding ways...
Raising teenagers is never easy. There are a bunch of changes happening all at once – most centered around their desire for more independence. While the teenage years can be challenging for parents, especially as fads come and go, one area where you can have a lasting impact is teaching...
From the outside, credit unions and banks can seem nearly identical. Both offer checking and savings accounts, loans, credit cards, and digital banking tools. But once you look a little deeper, the differences between them become more than just noticeable—they become meaningful. Whether you're opening your first savings account or...
At Patriot Federal Credit Union, keeping you informed about changes that affect your banking experience is our priority. Some members rely on external peer-to-peer (P2P) payment services like Zelle. If you use Zelle with your Patriot account, here’s what you need to know about the upcoming changes.
Saving money may seem overwhelming at first, with all the options available—savings accounts, certificate accounts, or retirement plans. But the most important factor in saving is forming the habit. The key is to start small, whether it’s cutting back on a daily coffee or setting aside part of your paycheck....
As a member of Patriot Federal Credit Union, you know the value of being part of a member-owned financial institution. But did you know that there is a growing push to impose taxes on credit unions? This would affect not only the financial institutions themselves but also you—the member. It’s...
