What is a Secured Credit Card? And Should You Get One?
What is a Secured Credit Card? A Secured Credit Card requires a cash collateral deposit that becomes the credit line for that account. For example, if you put $500 in the account, you can charge up to $500. Secured Credit Cards are great for people with bad credit or...
Why to Stay Cautious When it Comes to Short-term Loans
With back-to-school time finally here, this can mean additional monthly expenses for a family household. For some, these unexpected and emergency expenses can lead to taking out high-interest loans from finance companies without realizing what they're getting involved...
Back to School Time
It's hard to believe that another summer has come and gone, and a new school year is quickly approaching. Of course, this time of year always brings out a mix of emotions. Parents and students are overcome with excitement, maybe a little sad as the summer ends. Kids...
0% Credit Card Balance Transfer Options
You're seeing a lot of 0% balance transfer ads and marketing letters lately. I'm sure it's very tempting to finance a vacation, new appliance or television knowing you can transfer the balance for 0%. Doing so is what is commonly referred to as "using OPM" .... other...
Pay Anyone
Peer-to-peer payments also known as P2P payments have been around for nearly 20 years and almost everyone knows about PayPal, one of the first and largest P2P companies. Although P2P payment systems have been around for quite awhile they have been increasing in...
Big Things Have Been Happening at Day Air Credit Union!
Summer of 2018 has been an exciting time at the credit union and Day Air is very eager to see what fall is going to bring! Over the past few months, they have received multiple distinctions for being a top-rated business in the Miami Valley. They were also on the list...
Are You Ready?
Over the past six or so months, my family had the opportunity and the honor to serve my father who eventually was diagnosed with a form of dementia, which was caused by small strokes. To say that we were NOT ready and able is an understatement. The willingness was...
Understanding How to Refinance Intelligently
The landscape of mortgage refinancing is shifting, but that shouldn't necessarily scare homeowners away from considering this financial move. According to the Ohio Credit Union League's 2018 Mid-Year Consumer survey, 57 percent of respondents have refinanced a...
Travel Safety Tips
Now that summer is officially underway, everyone is bustling about with travel plans; from vacations, family reunions, road trips, etc. It's a busy and exciting time! No one wants to think about their vehicle breaking down on the side of the road in the middle of...
How to Stand Out from the Crowd
Have you been applying to every open position you find, but have not yet found a job? In today's job market you must market yourself to stand out from the hundreds of other applicants doing the same thing you are. What can you do? Below are a few tips that can help...
Why Healthy Relationships Require Financial Communication
Everyone knows communication is key to a happy marriage. Couples love talking about their future together and exciting vacation plans, but avoid the tough conversations like finances. In fact, 91 percent of Americans said they actively found reasons to avoid...
How Will You Beat the Summer “Boredom”?
Now that summer has officially started, are you trying to determine your "summer bucket list"? Last Tuesday my son had his last day of school and by Wednesday afternoon the words "I'm bored" came out of his mouth at least five times. It got me thinking of some ways to...