Compound interest can kill you.

Pay only the minimum on your high interest credit card bill for a year while you keep charging away and watch your Balance Due number shoot up.
 
Compound interest is also your good friend. Start tucking away a small amount from each paycheck and, when you’ve scraped together $500 or more, invest it in something you can’t easily get your paws on. Like a CD or an interest bearing investment account. Then leave it alone. DON’T borrow from it to buy this year’s latest smartphone. Let Creighton Federal help you. The service is free. FREE!
 
You won’t see compound interest at work at first. But down the road you won’t believe what compound interest will do for your bank account. Think retirement. Then click this link https://cusolutions.pc.cdn.bitgravity.com/video/creighton16/15-high.mp4 and get smart about compound interest. The personal finance specialists at Creighton Federal Credit Union  can help with all of this. And the service is free. FREE! Just ask.

Stay in touch.
Tom Kjar

Here’s Lookin’ Up Your Old FICO!

That’s what they do, you know. When, say, you go to rent an apartment or buy a house. Or buy a sofa for your new apartment or house. Or buy a car to drive to work so you can pay for the things you buy.
 
It doesn’t matter what FICO stands for. What does matter is what it means when you go to buy those things. It’s your credit score. https://en.wikipedia.org/wiki/FICO And, unless you’re paying with cash, your credit score determines whether or not you get whatever it is you’re buying.
 
We know credit scores because we understand credit. We also know how to help our members get good credit and keep it. You might want to give us a shout to see what we can do for you. The service is free and you might be pleasantly surprised. https://www.creightonfederal.org/

Stay in touch.
Tom Kjar

Can We Have a Little Chat? No, Really.

We’re always looking for ways to do a better job of getting you what you want and need. We know you like to bank remotely on your phone or tablet or laptop. But we know sometimes you have a question or problem that takes some explaining. So, Creighton Federal – your hometown, full-service credit union – has added a Chat function. It’s working and working well.

Say you have a question about a loan application and you need some information. Just click “Chat” on the home page of our website at creightonfederal.org. The button is on the lower right or center on most screens. Give it a click. Our average response time is about 18 seconds.

So, next time you need an answer let’s have ourselves a little chat.

Stay in touch.
Tom Kjar

We’re there when you need us, not when you don’t.

For all the digital capability we make available to our members ‒ the mobile banking you’ve told us you want, and there’s more coming later this year ‒ we’re going to stay analog in one important way.

More and more of our members do most or all their banking on their phone, tablet or laptop. https://bankingjournal.aba.com/2017/09/aba-survey-two-thirds-of-americans-use-digital-banking-channels-most-often/ They don’t need us. Until they do. The sound of a real person on the other end of a phone call when they need to solve a big problem or get out of a jam is, as the saying goes, like music to their ears. https://www.newvoicemedia.com/en-us/news/new-research-reveals-75-percent-of-customers-still-favor-live-agent-support-for-customer-service-vs-25-percent-self-service-and-chatbots

So, if you don’t need us you won’t see or hear us. But if you do, and it happens all the time, we’ll be there for you.

Stay in touch.

Tom Kjar

News Flash: You’re Stealing from Yourself and Giving it All Away!

Lemme’ ask you this. How much less could you be spending each month on your mortgage payment? Don’t know, do you? All you have to do is ask and we’ll tell you. No charge. No obligation.
 
Right now mortgage refi rates – interest rates on mortgage refinancing – are crazy low. And if you have a mortgage that’s more than about two years old you’re needlessly handing over to your lender too much of your hard earned cash. Creighton Federal can probably save you a bucket load.

For you it’s a win – win. Win: we drop your mortgage payment each month. Win: If we can’t you rest your eyelids each night knowing you’ve got a great rate on your mortgage.

Click here to have a Creighton Federal loan officer figure your monthly savings. No cost, no obligation.

Stay in touch.
Tom Kjar

There when you need us, not when you don’t.

For all the digital capability we make available to our members ‒ the mobile banking you’ve told us you want, and there’s more coming later this year ‒ we’re going to stay analog in one important way.

More and more of our members do most or all their banking on their phone, tablet or laptop. https://bankingjournal.aba.com/2017/09/aba-survey-two-thirds-of-americans-use-digital-banking-channels-most-often/ They don’t need us. Until they do. The sound of a real person on the other end of a phone call when they need to solve a big problem or get out of a jam is, as the saying goes, like music to their ears. https://www.newvoicemedia.com/en-us/news/new-research-reveals-75-percent-of-customers-still-favor-live-agent-support-for-customer-service-vs-25-percent-self-service-and-chatbots

So, if you don’t need us you won’t see or hear us. But if you do, and it happens all the time, we’ll be there for you. https://www.creightonfederal.org/

Stay in touch.