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Don’t Let the Car Dealership Trap You

Posted in Buying a Car
July 12th 2016 by
2 comments

If you’re purchasing a new car, be prepared for aggressive, expensive tactics used by auto dealerships.  Equip yourself with some useful tips and keep your money in your pocket. Caution with Interactions You need to keep your guard up at all times.  Every person you deal with is looking to profit off of you, even if they say they do not receive a commission off of your purchase.  Be especially cautious of the finance office, which may even be designed to make you relax and feel more comfortable. Know Your Credit Score Knowing your credit score is a good general rule of thumb,…

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Aspire FCU Vs. Banks

February 2nd 2016 by
0 comment

Here at Aspire, we are often asked how we are different from traditional banking institutions. While we offer similar services, we have managed to make our options more attractive, more affordable, and better for your savings. But why don’t we let the numbers speak for themselves? Monthly checking accounts: Many banks charge a fee for a monthly checking account and this fee can be up to $35/month. With Aspire you will never pay a monthly maintenance fee for your checking account which includes both basic and rewards checking services. 1 year Share Certificate: Certificates of deposit will usually get you a slightly better rate from a traditional savings account at a bank, but they are still in the range of about 0.20% – 0.28% compared to the 1.05% APY currently offered at Aspire. 2 year Share Certificate: Adding time to your certificate will get you a better rate, but even…

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A Strong Middle Class Depends On Strong Credit Unions

January 19th 2016 by
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54% of Americans say credit unions are the best place for middle class people to deposit their money. They know that credit unions like ours keep our economy strong and provide a smart financial choice for consumers. As we enter the 2016 Election, we want to make sure every Republican and Democratic candidate for President knows that too. Unlike big banks who answer to Wall Street and return profits to their investors, credit unions are not-for-profit financial cooperatives owned and operated by our members. What makes us different? We return savings to the middle class families we serve through higher interest…

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6 Questions Your Auto Dealer Hopes You Can’t Answer

Posted in Buying a Car
November 10th 2015 by
0 comment

Navigating automobile financing can be one of the biggest financial headaches you’ll encounter. But, unless you want to walk everywhere, it’s something you’ll have to deal with. The biggest hurdle is figuring out the angles and understanding the entities that stand to profit from the transaction. Let’s go through some of the more challenging parts of automotive financing by addressing some of the questions about automobile financing your dealer hopes you won’t ask. 1) How do dealerships secure financing? Car dealers usually have a department that is responsible for setting up financing and insurance (commonly referred to as “F&I”). These…

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10 Facts About Credit Unions

Posted in Aspire FAQs
October 29th 2015 by
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Being a member of a credit union is a coup for your finances for many reasons. Here are just a few facts that make credit unions a great option. Fact #1: President Roosevelt signed the Federal Credit Union Act in 1934 to promote thriftiness and prevent usury during the Great Depression. Fact #2: Credit unions are insured. Most credit unions are insured by the National Credit Union Administration (NCUA), which provides essentially the same coverage on funds as does the FDIC. If the word “federal” is in the name, they are insured. If not, check with your credit union. It…

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