Mortgage Rates are Dropping; Should I Refinance?

Q: I’ve heard that mortgage rates have dropped dramatically since the start of 2019. Should I refinance my mortgage loan to take advantage of these lower rates?  A: Refinancing a mortgage is essentially paying off the remaining balance on an existing home loan and then taking out a new mortgage loan, often at a lower interest rate….

Credit Card Fraud in Fives

No one wants to be the victim of credit fraud. Aside from the stolen money you may never recover, victims of fraud can be faced with an enormous hassle. That hassle involves the closing of accounts, putting a fraud alert on your credit and a huge ding on your credit history, which can be difficult…

Student Loan Scams

College students, take note! If keeping up with your coursework, acing your exams and scrambling to hand in every term paper before the deadline weren’t enough, you now have something else to worry about: Student loan scams are on the rise. Scammers know you hate owing tens of thousands of dollars, so they’re quick to…

7 Steps Toward Purchasing an Auto Insurance Policy

Are you in the market for a new auto insurance policy? Look no further than Oregonians Credit Union! We’ll help you get the maximum protection for your investment at the best possible price.  Read on for your guide to purchasing auto insurance in 7 easy steps.  Step 1: Choose a way to purchase your policy  You…

5 Ways to Pay Off a Loan Early

If you’re like most Americans, you owe money toward a large loan. Whether that means carrying thousands of dollars in credit card debt, having a hefty mortgage in your name or making car loan payments each month, loan debt is part of your life. This means you’re looking at hundreds of dollars in interest payments…

7 Signs You’re Living Beyond Your Means and How to Fix Them

In the age of plastic spending and mobile payments, it’s easier than ever to buy stuff you can’t pay for right away while supporting a lifestyle you can’t really afford.  Let’s take a look at seven red flags that might mean you’re living beyond your means and the steps you can take to get back…

Spring Cleaning Hacks

The sun is shining, the birds are chirping, the flowers are blooming—and your cluttered closets are calling. Time to roll up your sleeves and whip your home into shape. And yes, this means you! It’s been a long winter and you’ve let the clutter grow, all over your garage, across your basement and up into…

Why Choose a Credit Union Over a Bank?

Do you belong to a credit union or a bank? Are you thinking of switching to a credit union? As a credit union ourselves, we believe that there are numerous advantages! Because credit unions are member-owned and not-for-profit, they are more attuned to the needs of their members. Meaning you, as a member, will receive…

Creative Ways to Save on Energy Costs

We’ve all heard it before: Close the vents in rooms you don’t use, regularly replace your AC filters and vacuum the coils on your fridge. But what if you’re following all the conventional energy-saving tips and your summertime electricity bill is still astronomical? Here’s where we come in! You know how much we at Oregonians…

Syncing Your Phone to Your Car Can Put You at Risk

In our uber-connected world, pressing a button on the steering wheel to make a phone call is already second nature for many of us. With just a few taps, we can pull up our favorite playlist, read recent emails and even send a text message. Using our cars like a phone and storing information in…