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.

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 »

Is VA financing right for you? A webinar recap.

When financing your home, the options can seem overwhelming and complex. Opinions and information abound, making it difficult to find the choices that might be best for you. What are the benefits of a VA loan? A loan guaranteed by the VA can be used to buy a home that you’ll use as a primary residence, or it can be used to refinance an existing mortgage. The program offers several benefits: ... Continue Reading »

Helping you answer the question, “How much do I need to retire?”

If you plan right, there will come a day when you hang up the gloves, so to speak, on your working days. If you’re asking yourself, “How much do I need to retire?” what’s really on your mind might be at what point you can stop working for a living and start living for the dreams, passions, people, places, interests, and causes that matter most to you. The three simple questions below will ... Continue Reading »

Get in the game: Make a winning plan for your financial goals

It takes a lot of effort for a football team to look effortless on game day. Teams pull it off only after developing stacks of detailed plays and practicing them to perfection. The same holds true when it comes to reaching your financial goals. Hoping for the best does not count as a real plan. So when you’re looking at your long-term financial future, investing a little time in goal setting ... Continue Reading »

Wondering how to pay off debt? Here’s a handy guide to get you started.

For many people, debt can inch upward slowly, especially if there are multiple types of accounts involved, like lines of credit, loans, and credit cards. For others, a major event – such as a health emergency or unexpected home repair – can throw a careful financial plan out of whack. No matter where you are with loans, getting a handle on your accounts is a great first step toward learning... Continue Reading »