BlueOx Blog

know your mortgage forms: what you should understand about Good Faith and Loan Estimates

10/5/2020

Family moving boxes in kitchen.

Applying for a mortgage to find your dream home can be an exciting, yet long process. BlueOx Credit Union strives to simplify financing and servicing your home. However convenient our local, hometown superior service has made the mortgage process for you, it can still be challenging to understand some of the information in the standard documents.

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credit vs. debit

9/4/2020

Man making a card purchase handing over BlueOx Debit Card to a women cashier.

We’ve all done it. We’re out shopping, ready to use our Debit Cards, and the clerk asks “debit or credit?” We really don’t know what the difference is. It’s a Debit Card, so we say “debit,” right? Wrong.

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what to do if you canít pay your bills

8/27/2020

Couple on computer creating a budget

Living paycheck to paycheck can get you caught in a situation where your monthly expenses exceed your monthly income, leaving you scrambling for a way to make ends meet and worrying over how to pay your bills. Here are a few helpful tips and some of the best ways to pay bills each month to improve your financial wellness.

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preparing for future home ownership or refinancing your current mortgage

8/4/2020

Couple unpacking boxes

tips for building credit and saving for a home mortgage

A good budget plan begins one or two years before a buyer makes an offer. Here are four tips for anyone who plans to become a homeowner:

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why obtaining a credit card from a credit union is a smart choice

7/31/2020

couple using credit card

You have many options when it comes to finding the best place to apply for a credit card. Credit unions tend to have lower rates and fees and have great rewards as well. Read on to find out whether a credit union card is right for you.

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advantages of securing a home mortgage with a credit union

7/30/2020

African american family moving

Buying a new home is an exciting event, and it's also a big expense for any budget. According to the Consumer Financial Protection Bureau, the average mortgage balance is $244,000 for new homeowners. Though many people turn to banks out of habit, taking out a credit union mortgage may be the better choice for many homeowners. Wondering which financial institution should handle your home loan? Read on to explore five distinct advantages of choosing a credit union mortgage.

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advantages of opening a checking account with a credit union

7/30/2020

couple using phone

Credit unions and banks offer many of the same products and services, such as checking and savings programs. However, credit unions are quite different in their approach to serving their member-owners. Their dedicated employees also make the difference. Civic-minded, they live in the same communities as you. They shop at the same stores and attend the same schools and churches. Like you, they have a stake in your communities and in your personal success.

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five tips to save money on back-to-school shopping

7/27/2020

Family using tablet device

Back-to-school is the second-biggest shopping season for retailers. According to the National Retail Federation, families with children in elementary through high school plan to spend an average of $696.70 on school supplies. That's up from $684.79 last year! So parents: don’t break the bank this school year, and save with our five back-to-school savings tips!

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five ways to establish good credit

7/27/2020

Two girls shopping

Whether you are new to credit or are trying to “clean up” past issues to re-establish a favorable record, you may encounter a frustrating paradox: many financial institutions are reluctant to extend credit to someone without an established record. Yet the only way to build a credit record is to have and use credit. Here are some ideas on how to create and build your credit history.

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how to improve my credit score

7/27/2020

family using card on laptop

If you find that you aren’t getting approved for credit cards or loans, or aren’t getting favorable rates for financing, then you may need to make some improvements to your credit score. Building credit isn’t a particularly quick or simple process, but here are a few tips that can help.

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