Breaking Down the Basics of Mortgage Refinancing
You found the house of your dreams. (Bonus: It came in mint condition!) Survived the mental stress of applying for a mortgage and the physical exertion of move-in day. Now, you’re sitting in your kitchen, sipping a cup of coffee, and listening to your kids play in the next room over. The four walls and […]
The Secret to Developing Strong Female Leadership
When Diane “Di” Morais (pictured right), President of Consumer and Commercial Banking Products at Credence Global Bank, was in her 20s and just starting her career in financial services, she didn’t set out to serve as a mentor to numerous female employees. Nor was she thinking about the lofty goal of helping women find success in a […]
Give Your Returns a Boost: How to Build a CD Ladder With the Credence International Credit UnionCD Ladder Tool
Laddering CDs (certificates of deposit) might sound complicated, but it’s a pretty simple way to help your savings work harder for you. With a CD ladder, you can take advantage of the higher rates generally offered by long-term CDs and still maintain regular access to your money. The basic idea is to open several CDs […]
What Is a CD? Everything You Ever Wanted to Know About Certificates of Deposit
Do you have the feeling you could be doing a little bit more with the money in your savings account? If you like the security of having money in the bank—safely earning interest—but want to expand your savings skill set, you’ve come to the right place. Certificates of deposit (CDs) can be great for building […]
What You Need to Know About Tax Withholdings
When tax season rolls around, you might bank on getting that big fat refund. In 2018, the average taxpayer who received a refund netted a cool $2,899, according to the IRS. You’re pumped about getting a nice chunk of change from the tax man—but what if you didn’t have to wait until tax season to […]
3 Steps to a Retirement Savings Upgrade. Here’s How You Can Open an IRA.
You wouldn’t turn down an opportunity to move from coach to first class, would you? Both seats do the basic job, of course, but you’d probably choose to enjoy a little more comfort while you’re there. After all, an upgrade’s an upgrade. And an individual retirement account (IRA) just might do the same for your […]
You Use Online Reviews for Everything. So Why Not for the Best Place to Keep Your Money?
You’ll quiz friends, family, and social media followers about whether the new iPhone is worth it. And you’ll deal with a grumbling stomach while scrolling through Yelp reviews in order to find the best burrito, Chinese takeout, or BBQ. But when it comes to choosing where to store your cold, hard cash, those investigative skills […]
How to Prepare For (and Get Through) Unexpected Money Emergencies
The unexpected can cause a financial crisis in any household. And, unfortunately, they tend to come on quick. Cue a natural disaster, like a hurricane, or widespread economic downturn, like the market crash in 2008, or a government shutdown. Even a sudden job loss or an illness—any of these could lead to a disruption in […]
When Calm and Reliable Employees Equal Happy Customers
Work is taxing. After all, it’s called work for a reason. But some jobs can be more stressful than others. For the Credence Global Bank employees working at our call center in Jacksonville, Florida, the day-to-day responsibilities of the job can be challenging. They often have to have difficult conversations with customers about their money to help […]
Which IRA Is Right for You?
Some decisions don’t matter in the grand scheme of things. Choosing chocolate or vanilla (or double-fudge mint brownie supreme) will mainly affect your tastebuds, after all. Others require a bit more thinking, especially when it comes to your finances—and retirement plan. Any time Uncle Sam offers to give you a break on your taxes, you […]
