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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: Terence Field

March 5th, 2020

How Are Interest Rates Determined by Financial Institutions?

Learn Something New

As a finance professional, I am frequently asked “what is going to happen to interest rates?” The obvious answer is that interest rates are going to go up and they are going to go down. I just don’t know when they are going to go up or down. If I did, I would be a much wealthier person. The reality is that no one can accurately predict the direction of interest rates.

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By: Brian Bishop

February 25th, 2020

What You Need to Know about the SECURE Act

Saving and Budgeting | Investing in the Future

In January, the Setting Every Community up for Retirement Enhancement Act of 2019 was enacted. The ACT, which is referred to as the SECURE Act, should help Americans take greater control over their retirement funds. The Act describes about 25 provisions, so we will focus on the key changes that will likely have the greatest impact.

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By: Talithia Bonner

February 19th, 2020

Black History Month: Lessons from Maya Angelou

Learn Something New | Lifestyle

February is Black History Month—a time to recognize the role that African American people have had in U.S. history. In celebration, I would like to bring attention to one of the most influential African American women in U.S. history—my favorite author and poet Ms. Maya Angelou.

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By: Shari DeLatte

February 12th, 2020

Why You Should Attend a First-Time Home Buyer Class

Homebuying and Mortgages | Learn Something New

Buying a home is complicated. Finding a home that meets your needs as well as your budget is a challenge to begin with. Then you will need to navigate the maze of visits, inspections, negotiations, and documents as you work toward the closing. Your real estate agent, mortgage originator, and lawyer can answer many of your questions and will help you through much of the process, but you’ll have a better chance of getting what you need (along with some additional perks) if you educate yourself on the process first.

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6 Tips for Improving Your Credit Score

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By: Tammy Farnham

February 5th, 2020

What Documents Are Needed for a Mortgage Application?

Homebuying and Mortgages

Mortgage applications can seem overwhelming due to all the documents that are needed in the process. As a mortgage originator, I’m often asked by clients, “why do I need all that paperwork?” I assure them that the documents are needed to keep us both safe.

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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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Cultivate and Maintain an Excellent Credit Score

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