News & Promotions What's New Current Promotions Newsletters New! Financial Tips Instead of complex resolutions, focus on a few small financial habits in the new year. Choose 3 actions, like a weekly budget review, automating savings with payroll deduction, or enrolling in eAlerts to better manage your money. When setting financial resolutions, first identify your motivators. Write down “why” your goal matters – whether it’s reducing stress, gaining confidence, or preparing for the unexpected. Your “why” builds motivation. Define a monthly spending limit outside essentials so you can stay on financial track without a rigid budget. A clear threshold helps you pause before impulse purchases and ensures you remain focused on your goals monthly. Looking to lower financial stress in the new year? A quick weekly review of balances, upcoming bills, and recent transactions helps to reduce anxiety and creates clarity – allowing you to make confident decisions each month. Automatic transfers and scheduled payments move your finances forward without daily effort. When savings and bills run in the background, you avoid missed payments and build consistency – even during busy or stressful weeks. Post-holiday credit card balances are common, and repayment takes time. Instead of pushing for quick fixes, build a steady repayment plan. Consistent payments build momentum, reduce stress, and help keep you motivated. Payments toward high-interest credit card balances can feel discouraging when the balance barely moves monthly. Tools like debt consolidation loans and balance transfers can jumpstart your efforts & instantly save you money. Choosing between a debt consolidation loan and a balance transfer depends on what you need more: structure or flexibility. Loans offer predictable payments & a set payoff date, while transfers allow adjustable monthly payments. Extending your car loan term can create breathing room in your budget when money is tight. While total interest might increase, lower payments can help you manage any financial setbacks or new expenses more comfortably. Most car loans are never revisited after signing, causing many drivers to miss out on better rates and terms. Checking your auto loan annually can help you take advantage of improved credit scores or lower market rates.