A credit union is a financial institution that is owned and operated by its members. It provides financial services for its members, including: savings and checking accounts, certificates of deposit, various types of loans and other services. All of this is accomplished on a non-profit basis.

With the recent downturn in the economy, auto loans, like all other loans, are becoming harder to secure. Your credit score has to be higher, your record cleaner, and your down payment bigger to find good interest rates. This does not mean that you cannot secure a car loan; it simply means you have to be smarter about where to look and how to find the loan that is right for you.

Credit card fraud is a growing concern in today’s society. The concern is growing in online and offline communities. If your card number is accessed by an unauthorized party, then the problems can be severe and harm your credit rating.