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Financial Wellness Information

Using Your 401k for a Down Payment Soaring house prices are making it even harder for first-time homebuyers to get into a local property market already desperately short on affordable options. House prices in western Washington are up. Read More

Understanding Car Loan Interest Rates The interest you pay on your car loan is an important factor in the total cost of your car. Ideally, you want to find a car loan with the best rate and the shortest term to save as much money as possible on the financing costs. Read More

The Difference Between Credit and Debit Cards Some people think credit cards and debit cards are the same. But this is far from accurate! Make no mistake, there’s a big credit card and debit card difference. Read More

Most Common Credit Card Fees Explained Credit cards have changed the way we pay for many of the things we buy. They are convenient, easy to use, and much safer for large transactions than carrying cash. Although it’s now hard to do some things without credit cards—such as booking a hotel room or renting a car—the true cost of having and using them is often higher than it may seem because of fees. Read More

Best Weekend Boating & RV Adventures Around Longview for Under $200 Longview sits near the border of Washington State and Oregon, and it’s one of the country’s most beautiful places to live and experience. Resting in the shadow of Mount St. Helens, just along the banks of the Columbia River, Longview, WA is an outdoor lover’s paradise. Read More

IS IT WORTH REFINANCING MY MORTGAGE? (+ REFINANCE CALCULATOR) Many people refinance their mortgages to obtain lower interest rates, to shorten their loan terms, or for other reasons. Before you refinance, however, it’s important to understand how the process works and to be aware of the fees involved. This will help you decide whether refinancing is worth it. Read More

How to Protect Yourself from Fraud Here’s how you can keep your accounts safe from skimming devices at merchant point of sale terminals and/or non-Fibre ATMs. Read More

How Does a Credit Card Balance Transfer Work? When you do a credit card balance transfer, you take the funds you owe on one or more of your credit cards and put the debt onto a new credit card. Depending on your new card limit, you may be able to transfer all your credit card debts to the new card, or just choose the part of your debt that has the highest interest rate and fees. Read More

FHA Loan vs. Conventional Mortgage Buying a home is a big decision, and choosing the right mortgage can feel overwhelming. Understanding the difference between an FHA and a conventional loan is a great place to start. Read More

Checking vs. Savings Accounts: How Both Accounts Help Achieve Your Financial Goals If you’re unsure which type of account is right for you, understanding the checking account vs. savings account differences can help. Let’s break it down to help you decide which option is best for your needs. Read More

Choice Checking vs. Traditional Checking Are you tired of discovering yet another fee on your account statement? Watching your hard-earned money slowly disappear through hidden fees is a frustrating and common experience with many traditional checking accounts. Read More

Your Checking Account Should Pay You. Ours Does. Most traditional checking accounts offer very little, if they offer anything at all. You put money in, pay your bills, swipe your debit card, but get nothing in return. At many financial institutions, your checking account is just a holding place. It doesn’t earn anything, and worse, you might even be paying fees. You deserve better. Read More

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