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Financial and Lifestyle Resources for Vermont

VSECU Blog

In the VSECU Blog you'll find financial and lifestyle resources to help empower possibilities for your personal success.

By: Oliver Ames

January 29th, 2020

How do Pellet Furnace Prices Compare?

Homebuying and Mortgages | Energy Savings | Saving and Budgeting

After many years of renting small apartments, my wife and I decided to take the plunge and buy our first house. As any new homeowners would, we have been nervously, excitedly, painting walls and undertaking little projects to make our home perfect for us, but the first big project now looms on the horizon—the heating system.

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By: Heidi White

January 23rd, 2020

How Does Shared Branching Work?

Alternative Banking | Cooperatives

Credit unions tend to serve local populations, so finding a branch while you’re traveling afar can be a trick. The CO-OP Shared Branching Network has solved this problem by allowing credit unions across the country to band together and offer services to members of all networked credit unions.

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By: Heidi White

January 15th, 2020

How to Pay off Credit Card Debt Fast

Credit and Debt | Saving and Budgeting

Now that the holidays are over, how is your credit card balance looking? This is often the time of year when people take stock of their debt and begin to despair. If that’s where you’re at, take a deep breath and keep reading for some simple tips that should help you get a good, quick start on getting rid of your balance(s).

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By: Elizabeth LaPerle

January 7th, 2020

How Many Points Can You Buy on a Mortgage?

Homebuying and Mortgages | Saving and Budgeting

There are many things to consider when purchasing a home—location, school district, neighborhood, affordability, and type (single family vs. multifamily) just to mention a few. Once you’ve found your perfect home, you must choose the best mortgage type—fixed-rate or adjustable. And then you can decide whether to buy points.

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6 Tips for Improving Your Credit Score

Cultivate and Maintain an Excellent Credit Score

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By: Valerie Beaudin

December 31st, 2019

Don't Fall into the Payday Loan Trap

Credit and Debt | Saving and Budgeting

A payday loan is a short-term loan that is intended to be paid off with your next paycheck. Payday loans are often used by people who are short of cash to pay for emergency expenses. They are prohibited in many states because they are considered predatory loans that charge unreasonably high interest rates and fees, which make them very hard to pay off. Because they’re so hard to pay off, they can trap people in a cycle of debt for years. How can you avoid these loans when you really need the cash now? Keep reading.

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By: Rachel Feldman

December 24th, 2019

Make Budgeting Your New Year's Resolution in 2020

Saving and Budgeting

If you’re struggling to make ends meet, make budgeting your New Year’s resolution in 2020. Budgeting isn’t a skill we’re born with. It’s something we’re taught, or we learn on our own. But with money being one of those things you aren’t supposed to talk about around the dinner table, it can be scary to ask for basic advice.

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By: Michelle "Shelly" Duprey

December 18th, 2019

What Credit Score Do I Need to Buy a House?

Homebuying and Mortgages | Credit and Debt

If you’re in the market for a new home, it’s time to review your credit report. The information in your report helps your mortgage originator determine your creditworthiness (whether you’re likely to pay back money loaned to you).

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By: Oliver Ames

December 10th, 2019

How to Pay with Your Phone

Identity and Fraud Protection | Learn Something New

Two weeks ago, we published a Facebook post about the security and convenience of mobile wallets like Apple Pay and Google Pay and heard from several people interested in learning more about the technology. Here is what you need to know about mobile wallets!

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Cultivate and Maintain an Excellent Credit Score

Sign up for our blog and get Six Tips for Improving Your Credit Score free!