Money talks.

Our blog is written by experts — who also happen to be real people who have experienced the same financial concerns you have. Read on for real talk about real finances.

How can you prevent identity theft on mobile devices? Our top tips.

Smartphones and tablets help us work, plan activities, and shop on the go, but as mobile buying and banking become more popular, consumers are becoming more vulnerable to identity fraud. So how can you prevent identity theft on your mobile devices? Here are some simple ways to keep your identity and information safe from hackers, particularly when it comes to these increasingly popular gadgets. ... Continue Reading »

Living on a budget? 5 guidelines to follow

Putting together a realistic budget is one of those to-do list items that feels daunting for many people.  However, getting a handle on spending, saving, and education expenses is one of the best ways to make living on a budget effective. Cobalt Credit Union’s Beverly Hobbs, AAMS®, LPL Financial Advisor, answers some questions on good strategies to implement, so that budget planning isn�... Continue Reading »

How to get the best mortgage rate

As exciting as purchasing a home can be, it pays to get your financial ducks in a row before you apply for a home loan. If you’re trying to get the best mortgage rate, it’s important to know that a little bit of planning can save you a lot of money in the long run. Your interest rate will depend on a few different factors, all of which you have the power to influence. The sooner you start... Continue Reading »

Make the most of your tax refund

Your tax refund is here, and suddenly you’re envisioning all the items that you can buy. Although small luxuries are a healthy part of any financial plan, when it comes to funding infusions like tax returns, holiday bonuses, or unexpected windfalls, saving at least some of that money is important. And when you do, make the most out of those funds by thinking about your financial goals. Here a... Continue Reading »

March Madness: Our top credit and savings tips face off

If you’re a college hoops fan, March Madness means brackets and basketball. Though many of us at Cobalt Credit Union will watch our share of games this month, our interests will always lean toward the financial. In that spirit, here’s a look at some of our top blogs and top tips: Credit vs. savings edition. Credit and saving both have their place in a solid financial plan. Here’s a look ... Continue Reading »

What the credit cycle means to you

Interest and dividend rates may seem to change at a whim. Unless you happen to be chairperson of the Federal Reserve Bank, you can’t do much to control which direction the credit cycle takes. But if you understand a bit about why these rates change, you can time some important financial decisions to your advantage. Low interest rates mean lower loan payments, and high interest rates mean hi... Continue Reading »

Easy ways to build a last-minute vacation fund and cover travel expenses

The winter temperatures mean you’ve been stuck inside lately. Cabin fever has set in, and you’re antsy for a getaway. But your bank account is as low as the wind chill readings. Here are some quick tips to help you save for and on travel expenses. Build your vacation fund Sell the clutter. It’s never too early to start your spring-cleaning. Take inventory of your house and get rid ... Continue Reading »

How to buy your first car: Tips for beginners

Buying your first car is a thrilling experience that many people look forward to. On one hand, it’s a milestone that declares maturity and status. On the other, car ownership is a big responsibility, and the process can seem daunting. If you’re in the market, here are some foolproof tips on how to buy your first car. Set a realistic budget You don’t have to spend a fortune to own a goo... Continue Reading »

Looking to reduce debt? Consider a credit card balance transfer

From college textbook purchases to holiday shopping trips, credit card debt can start to pile up for a lot of people. Because they typically carry higher interest rates, eliminating any debt you’ve accumulated on credit cards can have a big financial impact. One simple tactic for paying down that debt is a credit card balance transfer. A credit card balance transfer is a quick way to put mor... Continue Reading »

Prevent Identity Theft: teach kids safe browsing habits

When your kids are online – whether they’re watching videos or playing games – you likely worry about the content they’re consuming. As a parent, it’s also important to think about the information they’re giving out and to teach them about safe browsing. That’s because online identity thieves are also targeting unsuspecting children. When your children have access to home comput... Continue Reading »