You’ve trusted us for all your loan needs. Let us be your source when it comes to your mortgage. Rates remain at near-historic lows, making it an excellent time to buy new, build, or take advantage of a seamless refinance. No matter if you’re a first-time buyer, stepping up to something bigger, building your dream […]
We get it. Living on a budget is stressful. But at MCNJTFCU, we have some easy tips to help you re-energize and conquer some of the bad habits that lead to financial fatigue. Not only will these tips help you to prioritize your economic well-being, but they will also keep things in perspective. Steps to […]
A New Car Is A Huge Investment. That’s why it’s essential to learn about the car you want to buy and the car-buying process. Just like your salesperson knows how to sell you a vehicle, you want to learn how to shop, negotiate, and, ultimately, make a fair and objective offer. Stay Impartial and Informed. […]
They never stop trying to hack into our data or steal our information. The key is to be prepared! At MCNJTFCU, providing you with relevant, timely information is part of who we are. We want to keep you informed, as well as protect you and your family. Beware of Phishing Attempts Never share sensitive information […]
1) Prepare a balance sheet (assets versus liabilities). Assets include possessions of value, such as cash, real estate, and investments. Also, add things such as IRAs and, if you decide to stay in your home, your home’s current value (less any outstanding liens). Liabilities are your debts and legal obligations – these include your mortgage, […]
It can give you added peace of mind today and a plan for tomorrow. Debt restructuring is a tool to help you save money and provide financial relief. When used correctly, it realigns your debt burden, usually through a consolidation loan. By rolling multiple debts into one loan and one payment, you simplify life and […]
Learning to budget can be your best friend when it comes to financial success. It requires discipline and some self-awareness. But if you stick to it, being able to successfully budget will have life-long benefits. To get started, we suggest you try these steps. Track Your Spending – Store or save receipts, monitor transactions in […]
Take a close look before accepting dealer financing. Often you have the choice of accepting a dealer rebate or 0% financing. But did you know that you can often save more – and see lower monthly payments – when you take the rebate and choose MCNJTFCU financing? Understanding the rebate: A rebate is cash provided […]
A credit score is a way financial institutions and other entities inquire about your financial reliability. Your “economic” history and profile comprise the score (or “formula”), and it represents how likely you will repay your obligations on time. Your credit score can include: How promptly you pay off credit cards and loans. How consistently you […]
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