Helpful Information to help you make wiser decisions.
Personal & Mortgage Loans
"I want to be mortgage-free, but... what type of mortgage is best for me?"
Your home is the single biggest purchase you will make. Figuring out what type of mortgage product you should use can be tricky.
“I want to pay down my debt, but... do I really have to pay that much interest?"
Interest: it’s in yours to understand how much you pay.
Borrowing: Increase your power
Here are a few things you should know before you make your loan application
“I want to consolidate my debt, but … do I combine it with my mortgage?”
There is no question paying off your debt is smart. But how you pay it off is key to your financial fitness.
Putting
your home equity to work, Will that be a home equity line, collateral,
or top-up mortgage?
As a homeowner, you may be considering a home renovation project like
building a deck or doing some landscaping. Maybe you want to upgrade
your appliances or plan a vacation getaway. Whatever your goal, The
Credit Union has a mortgage option to help make it happen.
Ins
and Outs of Mortgages
Find out which mortgage is right for you
Types
of Mortgages
Get to know what sort of mortgages are out there.
Answers
to “What do you need to ask if you are applying for a mortgage?”
Here you'll find all the answer to your mortgage questions found in
our newsletter.
Paying
off your mortgage sooner than later
Once you've chosen an amortization period, there is still lots to consider.
Changes
in Mortgages
With changes in the way mortgages are offered in Canada, The Credit
Union is changing to keep ahead of the curve and look out for our members.
Is
your mortgage keeping you in debt?
We can help you make sure your mortgage is best suited to your financial
situation.
Questions
to ask your mortgage lender
Here are a list of questions to ask your mortgage lender to better understand
how your mortgage works.
Payday
Loans and the Government of Ontario
Read more about the process of payday loans as it relates to Ontario
law.
Borrower
Beware
Always be on the lookout for suspicious deals when borrowing -- we're
here to help you recognize the warning signs
The
Power of Consolidating Debt
Learn to combine your payments and save yourself money in interest now
and down the road.
Plan
Ahead: How Much Debt Is Too Much?
“Borrowing” is no longer a negative word but often a smart
option that helps people achieve important life goals.
Credit
cards got you in a crunch?
We’ll help you scrunch those numbers down to size with a Consolidation
Loan.
Spend & Save
Christmas in July
Understand your budget for the holidays and rev up your savings and shopping plan now.
Debt - Why Coming in First is Not a Good Thing
Canadians have the highest debt to income ratio of all G20 countries. Read what you can do to make sure your debt load is manageable.
Financing to get the new car smell
our credit score gives lenders or other businesses a measure of your financial health so make sure you are as healthy as possible.
Know your credit score
our credit score gives lenders or other businesses a measure of your financial health so make sure you are as healthy as possible.
"I want to save on service fees, but... how do I choose a chequing package?"
Tips on how to choose a chequing package.
Bulk
Up Your Savings by Cutting Expenses
Here are some tips on where to look for
savings in your monthly budget
Safeguard
Yourself Against Cheque Fraud
Quick Checklist To Keep You Protected
Are
You A “Passive” Saver?
Talk to us today and we’ll help you “activate” an
automatic savings plan.
Plan
ahead with Sue Wyseman
Advice about In Trust accounts
Take
the hassle out of paying regular monthly payments
Set up Pre-Authorized Debits to take care of it for you
Making
Saving Easier – Tips for Saving
Here are some tips to get you up and on the savings band-wagon.
How
to Balance Your Chequing Account
Read our advice on keeping your daily banking in check.
The Credit Union Online
New
and improved online Telpay bill payment service!
We've improved our remote banking services -- come and see how
C.U. ATMs & THE EXCHANGE Network
PIN
protection pointers
What you should know to stay protected.
The
Credit Union and THE EXCHANGE® Network ATM Locations
Providing easy information on ATM locations.
Pack
your Credit Union ATM Card when you hit the road
No Need to leave your Credit Union ATM card at home - accessing your
accounts is just as easy on the road as it is at home with THE EXCHANGE
Network.
Learning Library
Insurance for Cottages, Camps and Other Vacation Properties
Find out how insurance works on vacation properties.
Tips to Protect You and Your Money
Help protect your identity and your money with these simple tips.
The Personal - What to look for when you buy a home
Tips on considering your current and future needs.
Tips on using your tax refund wisely
Here are a few ideas.
Questionable RRSP/RRIF schemes
An alert to possible tax schemes.
Is
more being 'swiped' than just your debit card?
How to protect yourself from debit card scams.
Beef
up your frontline on fraud
Here are some simple ways to ensure you’re always protected against
debit card counterfeiting.
CU
Tip: Credit Repair
Beware of the quick fix.
CU
Tip: Too close for comfort?
What to do if you're at your credit card limit.
CU
TIP: Identity theft
Valuable information
CU
TIP: Credit Card Conundrums
Did you know?
What
to do at the scene of an accident
Top 10 Tips from The Personal
CU
TIP: Don’t Get “Phished In” By Phony Relief Funds
You can make donations safely over the internet. Just make sure you’re
not “phished in” first by a fake!
Extension
Cord Hazard Warning
Important Information from The Personal Insurance
Credit
card security tip
Getting captured on camera phones
Has
your identity been stolen?
Here are some important signs to watch for.
Plan
ahead with Sue Wyseman
Advice about In Trust accounts
PIN
protection pointers
What you should know to stay protected.
Quick
Tips from The Personal
To avoid aggressive driving situations
Home
buyer helper
Looking for a new home? Here are some tips to help you make the most
of this big life decision.
CU
Tip: Paying at the pump? Hold on!
Gas retailers are now putting a hold on funds in your account.
Water
damage? Act fast.
Tips from The Personal
Getting
more bang for your renovation buck
Before you begin, here are some tips from The Canadian Home Builders’
Association to help you stretch your budget.
Retrofitting
for big savings
Here are some major retrofitting opportunities to help keep the heat
in your house, where it belongs.
Tips
from The Personal
What to do if you have an automobile accident
CU
Tip: Tips for fuel-efficient driving
Here are some great tips from Natural Resources Canada,that can quickly
put money back in your pocket.
The
Personal Insurance - Airbag fraud
With airbags now coming standard in most new cars, airbag fraud is an
emerging trend.
We'll
show you how to borrow to invest
Sue Wyseman, Certified Financial Planner
We'll
show you how to simplify your RRSP and save time
Check out these quick and easy tips from The Credit Union.
7
Tips for Using Credit Wisely
As your credit union, we are always looking out for your best interest.
What
type of debt controls you?
Good debt and bad debt can seem the same when each month it is a struggle
to make payments and meet all of your other financial obligations.
Avoiding
Driver Distractions
Distracted drivers are just as impaired as drunk drivers. It’s
a fact. The studies show …
Don't
be a Victim: Insurance Crime
What you can do to avoid the hassle and pain of insurance fraud
Payday
Loans and the Government of Ontario
Read more about the process of payday loans as it relates to Ontario
law.
Steps
Required to Become a Fully Licensed Driver in Ontario
Getting your driver's license is a big step -- let The Personal walk
you through the stages you'll need to complete.
Financial
Lifecycles – Priorities for Every Stage
For every stage of your life, you need a plan - we can help you out.
Improving
Your Credit Score
Find out how you can improve your credit standing.
I
want to enjoy the summer, but ... how do I keep my eye on the ball?
Warning
– Facebook fraud
Has your identity been stolen?
Financial Planning
Need a Financial Planner? Here's How to Choose,
Information and questions to ask to help you choose a Financial Planner.
“I want to slim down my spending, but …
I am not interested in a lifestyle diet!”
The noise makers are put away, the endless ‘Best of …’ lists are done for the
season (thankfully) and your first resolution may have already gone by the wayside.
I
want to feel comfortable about retirement, but … is my pension
safe?
With the financial turmoil of the past
18 months and media coverage of pension plans which have gone or are
going bust, many Canadians are wondering about their own safety net.
CU
TIP: Credit Card Debt. What To Watch Out For
The Credit Union is here to help our members avoid the pitfalls of excessive
credit card interest. Find useful tips to help keep you in control.
Plan
Ahead: Coping with Financial Crisis
Your Credit Union can help you get back on track.
CU
Tip: Too close for comfort?
What to do if you're at your credit card limit.
Plan
Ahead: How Much Debt Is Too Much?
“Borrowing” is no longer a negative word but often a smart
option that helps people achieve important life goals.
Plan
ahead with Sue Wyseman
How much “house” can you afford these days?
Plan
ahead with Sue Wyseman: Budgeting before you retire
Our Financial Planners work with you to ensure that you have a plan
that will take you through every step of your life cycle.
10
Reasons People are in Debt
Here are the 10 main reasons people fall into a debt cycle that can
quickly spin out of control.
I
would contribute to my RRSP, but...
the DOG ate my sofa... again!
Reading
your pension statement
Your statement is a great resource for providing a variety of information
on your pension -- here's how to make sense of it.
Tips
on Back to School Shopping
Get your kids back into the swing of things and save a little money
with these simple back-to-school tips.
Tips
on Budgeting
Working out a monthly budget that works for you can be difficult. Let
us show you how it's done.
Tips
on Making the Most of Reward Programs
Find the reward program that works best for you.
Choosing
the Right Credit Card
Do you have the right credit card for your buying and payment habits?
Use
GO Figure’s Calculators
With GO Figure’s 11 easy-to-use, printable calculators, you get
instant answers plus comprehensive educational information so you can
make more informed decisions.
Your
Best Route To Buying A Used Vehicle
It’s a very popular and sensible way to purchase “new”
wheels and get the best deal - talk to The Credit Union first about
financing.
Home
buyer helper
Looking for a new home? Here are some tips to help you make the most
of this big life decision.
Year
End Financial Check List
Here’s a list of some important things that need to be taken care
of prior to December 31st.
Finding
a trusted advisor
Follow these helpful tips in choosing the best financial advisor for
you.
How
much car can you afford?
Get to know your limit, and spend within it
Money
Skills for Each Age Group
Learning financial skills is crucial at every age and is necessary for
the development of every child. Here are some easy tips for helping
your children appreciate the importance of financial intelligence.
Taking
Care of Your Finances Now
In this time of market turmoil, we want to give you tips on how to protect
yourself.
Financial Fitness
Financial
Fitness Test: Strength
Test your financial strength with our worksheets.
Use
GO Figure’s Calculators
With GO Figure’s 11 easy-to-use, printable calculators, you get
instant answers plus comprehensive educational information so you can
make more informed decisions.
Credit
cards got you in a crunch?
We’ll help you scrunch those numbers down to size with a Consolidation
Loan.
Are
You A “Passive” Saver?
Talk to us today and we’ll help you “activate” an
automatic savings plan.
Financial
Fitness - It Means Paying Attention
Get a handle on your financial fitness and learn to read the signs.
I
am worried about the economy, but … not sure how it affects my
financial health overall.
Two years ago this month we launched our Financial Fitness tests. With
the economy in its present state it is time to take a long, hard look
at your own economic health.
Registered Plans
I want to save for my retirement, but … I don’t know the right choices to make!
Do I save in my TFSA ἀrst or after my RRSP? Or do I even make a contribution?
Paid
off your debts?
What to do when you’ve got extra cash…
Plan
ahead with Sue Wyseman: Budgeting before you retire
Our Financial Planners work with you to ensure that you have a plan
that will take you through every step of your life cycle.
We'll
show you how to borrow to invest
Sue Wyseman, Certified Financial Planner
We'll
show you how to simplify your RRSP and save time
Check out these quick and easy tips from The Credit Union.
Questionable
RRSP/RRIF schemes
Taxpayers should avoid schemes that promise the following:
Talking
to YOUR Parents
Financial planning means different things to different people. Understanding
your role in your parents’ financial planning is important.
Mutual Funds
 Your
Wheels
Winter Driving
Tips on Winter Driving
Are
your tires the right ones for winter driving?
Do you drive where there's a lot of snow? The condition and type of
tires you use are important for safety.
Driving
the negotiation, How to get a better car deal
You've done the research, found your dream car, and now you're gearing
up for the negotiations. Here are some tips that will put you firmly
in the driver's seat when wheeling your best deal.
Quick
Tips from The Personal
Answers to your questions about Auto Insurance.
Your
Best Route To Buying A Used Vehicle
It’s a very popular and sensible way to purchase “new”
wheels and get the best deal - talk to The Credit Union first about
financing.
What
to do at the scene of an accident
Top 10 Tips from The Personal
Winter
driving tips
Reduce your risk with these quick tips.
Air
bags and safety
Consumers ask questions - The Personal Insurance answers
Tips
from The Personal
What to do if you have an automobile accident
The
Personal Insurance - Airbag fraud
With airbags now coming standard in most new cars, airbag fraud is an
emerging trend.
Student
Savings on Auto Insurance From The Personal
The Personal Insurance Company is proud to announce new preferred rates
for post-secondary students and recent graduates.
In
the Know about Insurance
Get the coverage you need!
Don't
be a Victim: Insurance Crime
What you can do to avoid the hassle and pain of insurance fraud
How
much car can you afford?
Get to know your limit, and spend within it
False
Advertising
False advertisement can also extend to insurance. Lookout for potential
insurance scams -- here are a few of the telltale signs.
Tire
Safety
Keep your tires tuned for the road conditions to save wear and tear
on your car.
Understanding
Insurance "Lingo" - What do those terms really mean?
Insurance uses a lot of terms we may not all understand fully. We're
here to help clear up any questions you may have.
Questions
to ask before you buy car insurance...
Let us steer you in the right direction!
The
Personal - Canadians Don’t Know Their Stuff
Make sure you know all you need to know about insurance.
Your
Home
“I think I want to renovate, but... how do I start?”
Whether you are a do-it-yourselfer or planning to hire a contractor there are many ways to save and make sure you get the return on investment (financial and otherwise) you are looking for.
The Personal - Helping Your Trees Survive Storm Damage
Read what you can do to help restore the shape and health of a damaged tree.
The Personal - Water Damage, Mold and House Insurance
Find out what to do when you have water and mold damage.
Getting Your House Ready to Sell
Put your best house forward using these tips.
Winter Driving Survival Kit
Recommended items to include in your winter survival kit.
Putting
your home equity to work, Will that be a home equity line, collateral,
or top-up mortgage?
As a homeowner, you may be considering a home renovation project like
building a deck or doing some landscaping. Maybe you want to upgrade
your appliances or plan a vacation getaway. Whatever your goal, The
Credit Union has a mortgage option to help make it happen.
Water
damage? Act fast.
Tips from The Personal
Getting
more bang for your renovation buck
Before you begin, here are some tips from The Canadian Home Builders’
Association to help you stretch your budget.
Identity
Theft Assistance from The Personal
We are pleased to announce that Identity Theft Assistance has now been
added to all property insurance policies at no additional cost
Ins
and Outs of Mortgages
Find out which mortgage is right for you
New
Home-Based Business Insurance From The Personal
We are pleased to offer home-based business owners an important additional
option to their home insurance policies.
Insurance
Fraud
It’s become a business that costs us all!
Understanding
Insurance "Lingo" - What do those terms really mean?
Insurance uses a lot of terms we may not all understand fully. We're
here to help clear up any questions you may have.
The
Personal - Canadians Don’t Know Their Stuff
Make sure you know all you need to know about insurance.
Travelling?
Travelling - Your Money and The Credit Union
Financial tips to include your Credit Union in your travel plans.
Money and your Travels
Travel planning tips.
It’s February and I need to escape
Tips on planning your vacation.
CU
Tip: Your Vacation Snapshot
Keeping a record of the contents of your wallet.
CU
Tip: Protection with healthy travel insurance
The Credit Union offers a simple, value-added solution for all of our
members.
Tips
on cross-border shopping
Before you shop - make sure you have all the information you need to
make the best out of our stronger dollar.
Vacation
Check List
That vacation you've been dreaming of is almost here -- check here to
make sure you've got your financial worries all taken care of before
you leave.
News
for Winter Travellers - Make your trip worry-free
Tips on keeping your home safe and secure while you are off enjoying
your winter vacation.
New
rules for entering the U.S. by land or water
Find out what documents you need to enter the U.S. from Canada.
A
little about travel warnings
Find out about travel warnings and how they may affect your travel plans
and insurance.
Service Fees
ATMs
– Our 99% Commitment
While we cannot control service interruptions we can limit the impact
on our members.
Saving
Money - Start with Service Fees
Learn to manage your money and save on those pesky fees.
Safety & Security
Protecting You from Fraud - Holds and Limit Changes
Find out why a hold is placed on an account and debit card limits are lowered.
Your card may have been compromised – now what?
We know replacing your C.U. Debit Card is a hassle, but with
debit card skimming and other forms of fraud on the rise protecting our members is our priority.
Is
more being 'swiped' than just your debit card?
How to protect yourself from debit card scams.
Safeguard
Yourself Against Cheque Fraud
Quick Checklist To Keep You Protected
Beef
up your frontline on fraud
Here are some simple ways to ensure you’re always protected against
debit card counterfeiting.
CU
TIP: Identity theft
Valuable information
CU
TIP: Don’t Get “Phished In” By Phony Relief Funds
You can make donations safely over the internet. Just make sure you’re
not “phished in” first by a fake!
Extension
Cord Hazard Warning
Important Information from The Personal Insurance
Credit
card security tip
Getting captured on camera phones
Has
your identity been stolen?
Here are some important signs to watch for.
PIN
protection pointers
What you should know to stay protected.
Quick
Tips from The Personal
To avoid aggressive driving situations
How
we’re helping prevent debit card fraud
The Credit Union is looking out for you.
CU
Tip: Don’t go changing
Keep your credit card company in the loop.
Tips
to Avoid On-line Fraud
To help protect you from fraud when shopping online here are a few good
shopping habits you may want to consider.
The
Best Defence Against Auto Theft
Protect yourself and your family from auto theft.
Wheels
in motion: the perils of messy cars
Avoid potential injury and hassle by following these helpful tips.
Tips
to Protect You and Your Money
It only takes a few simple steps to safeguard your finances -- take
a look and see how
Reporting
Identity Theft and Fraud
If you think your financial information has been compromised, we have
the steps you need to follow.
Your Car is Sinking!
Car calamities can strike without warning -- click here for survival
tips for one such event.
Public
Safety: Oh Deer, Oh Moose, Oh My!
Wildlife dangers increase during November -- learn how to avoid a harmful
collision.
What
is that smell?
Tips for when you suspect a natural gas leak.
Warning
– Facebook fraud
Has your identity been stolen?
Tips
We C.U. for the information and articles you
need from The Credit Union to help you in your decision making.
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