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    Money-Saving Tips from Suze Orman

    Last updated 3 days ago

    Saving money is something many people aspire to do, but it is often easier said than done. Watch this intriguing video featuring financial expert Suze Orman to learn how you can help yourself save money. 

    Surprisingly, Suze Orman does not advocate for just making a budget. When on a diet, you might restrict your food intake but end up splurging, and the same goes for budgeting. Instead of restricting your spending, take an honest look at your finances and determine what you need versus what you want. You need to buy food from a grocery store to eat, but you don’t need to spend money at a restaurant every week.

    You work hard for your money, and Westmark Credit Union is here to help you hang on to more of it. Call our Idaho Falls credit union at (208) 523-1071 or visit our website for a look at our services and products. We offer checking accounts, savings accounts, auto loans, home mortgages, and more.

    Understanding How Auto Loans Work

    Last updated 10 days ago

    Are you thinking about buying a new or used car? For many people, a car is one of the biggest investments they have next to a house. With a little bit of research and planning, you can find a car that suits your needs and works with your budget. Auto loans help you purchase a car, giving you affordable monthly payments to make instead of having to pay for the entire vehicle at once. Keep reading to learn more about how auto loans work.

    Financing Sources

    When you are shopping for a car, you will find that you have a few different options of where to source your financing. Dealerships often offer car loans, but the environment there can be high-pressure and the loans themselves are not always the most affordable option. The convenience is frequently what draws car buyers in. You can also source your financing from your credit union, which may offer more competitive rates. You’ll also find personalized service and unbiased advice about car buying from your credit union, a welcome change from many auto dealerships.

    Loan Rates

    If you have ever seen commercials for auto loans on television, you’ve probably heard promises of amazingly low rates. However, your loan rate is based on a number of different factors, including where you live and your credit score. If you have a less-than-stellar credit score, your interest rate could be a little higher. The length of the loan will also affect your rate. Typically, shorter loans have lower rates, but they also have higher payments.

    Shopping Around

    Keep in mind that loan rates vary depending on who is offering them, so it’s best to shop around. Start with your credit union to find out the details of current auto loan programs, and to get an idea of which car you can realistically afford.

    Westmark Credit Union in Idaho Falls is here to serve our members’ financial needs as well as our community as a whole. Call us at (208) 523-1071 to learn about becoming a member or to learn more about the competitive auto loans we offer. You can also discover more about our financial services on our website.

    How to Use Your Credit Card Wisely

    Last updated 20 days ago

    Whether you are thinking about getting your first credit card or you have had a credit card for years, it’s important to know how to use it. Credit card debt can pile up quickly, leaving you in a tough financial position and potentially damaging your credit score. Rather than jeopardize your financial future, it’s a better idea to simply use your credit card with care and stay on top of your spending. Keep reading for tips on how to use your credit card wisely.

    Understand Your Card

    There are a lot of different credit card companies and credit cards out there, and they all seem to promise something better than the last. Before you fall for credit offers that offer prizes or promotional packages, read the fine print. Find out what the annual percentage rate is, and look for low or no annual fees. Some credit card companies present an offer that sounds great, and you find out too late that you’re stuck with hidden charges. Don’t let this happen to you. Do your research and talk to your credit union about signing up for a credit card that suits your financial situation.

    Limit Credit Card Usage

    It is very tempting to spend a lot of money on your credit card—and very easy to forget what you’ve already spent. Keep track of your spending and monitor your credit card statement on a regular basis. You may really want to buy that new gadget or fancy new pair of shoes, but if you don’t have the money to back up your spending, you could get into debt trouble very quickly.

    Keep a Low Credit Limit

    One way to keep yourself from overspending is to maintain a low credit limit on your card. Look at your budget and spending habits to determine what is reasonable for you, and be sure your card’s credit limit is not higher than what you can reasonably repay. This will help ensure your payments are manageable every month.

    Westmark Credit Union offers a wide range of credit card services to fit with your spending style and your financial needs. Give us a call at (208) 523-1071 to learn how we can help you do more with your credit and debit cards. 

    Eagle Checking at Westmark Credit Union

    Last updated 26 days ago

    Everyone has unique financial needs, which is why Westmark Credit Union offers a variety of checking accounts to accommodate your financial situation. All of our checking accounts come with $1,000 in Accidental Death & Dismemberment Insurance, and give our members access to their accounts every minute of every day. The Eagle Checking Account offers no monthly service fee and no minimum balance to make your life easier. You can pay up to 15 bills per month online for free, plus you’ll get a free starter checkbook adorned with the Westmark logo. Eagle Checking also comes with a free Visa check card, which is convenient and helps keep you moving at a high speed. Members who choose Eagle Checking also enjoy $300 returned check protection. 

    Contact Westmark Credit Union of Idaho Falls at (208) 523-1071 to speak with one of our friendly representatives about which checking account is right for you.  Don’t forget to ask about all of the perks of becoming a member of our trusted credit union. 

    The Differences Between Banks and Credit Unions

    Last updated 1 month ago

    Not all financial institutions are created equal, and there are some very important differences when comparing banks and credit unions. Watch this video to learn about these differences. 

    One of the most fundamental differences between a bank and a credit union is that banks are owned by shareholders, while credit unions are owned by members. Members have a say in the way the credit union is run, which is definitely not the case at a bank. Credit unions are not-for-profit, unlike banks which aim to maximize profits for the benefit of their shareholders. Credit unions are known for providing personalized service and establishing relationships with their members.

    Experience the credit union difference by becoming a member at Westmark Credit Union in Idaho Falls. Give us a call at (208) 523-1071 to learn how membership can benefit you, or visit our website for a complete look at our checking, savings, credit card, and loan services. 

Apply Online for a Credit Card or Credit Card Balance Transfer!

Start Saving with a 2.99% APR That's right, using your Westmark Credit Union balance transfer checks you can transfer your higher rate loans and cards from your other financial institutions to your Westmark Credit Card and save with a 2.99% APR until December 31st, 2013.

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