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.

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 »

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 »

Moving your money: smart strategies for switching personal banking partners

Managing your money should be convenient and worry-free. Poor customer service, driving distances to ATMs, high interest rates on loans, and more can all create a negative banking experience. If you’re facing these obstacles, it’s time to find a better organization to handle your money. Finding a new personal banking partner can seem daunting, but it doesn’t have to be. If you’re thinki... Continue Reading »

How to repair credit: top tips to help you improve your credit score

You’ve aced the interview for your dream job, and now the head of HR is calling. Confident and excited, you’re ready to accept the offer, but she has crushing news: You’re being turned down because of your low credit score. Being denied a car loan, mortgage or even a job because of a low credit score can be distressing. Here’s how to repair credit, reverse a low rating, and get back on... Continue Reading »

4 free e-books to kick off your financial goals

Information is power – and it’s certainly key when it comes to financial goals. The more you know about your financial situation, the better equipped you are to change it. Cobalt CU has the resources to help. From paying down your debt to protecting your identity, you can pick up tips and ideas on a variety of topics from our collection of free e-books. Here’s what you’ll learn: Financi... Continue Reading »

3 steps to take when transferring a credit card balance

If you’re chipping away at a mountain of credit card debt, you might feel like it’s a never-ending task. Part of the reason it can be hard to gain ground is high interest rates that continually add to your bottom line. If you’re looking at a pile of debt with a sky-high rate, a balance transfer might be a good option for you. While transferring a credit card balance won’t magically make... Continue Reading »

How to get out of debt: Breaking bad financial habits

Being in debt can be a heavy burden to bear. Not only does it affect your wallet, but it can also have consequences for your emotional and physical health and more. But there is a light at the end of the tunnel: The biggest secret to getting and staying out of debt is changing your mindset about money. Here we explore the psychology of bad financial habits and offer tips for breaking them, to h... Continue Reading »

Travel safe! ID protection while traveling

Travel can be a wonderful adventure – but traveling has a dark side, too. Tourists are often targets for identity thieves who might use information from credit cards, IDs, and passports to wreak financial havoc. Even more challenging, victims might not realize they’ve been struck until they get back from the trip, potentially making the damage even worse. Limit your vulnerability with these si... Continue Reading »