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Rapids Blog

Your Guide to Home Equity and HELOC

When it comes to debt or large expenses, there are a lot of options. If you own your home, you may be able to utilize a low-interest Home Equity Loan or a Home Equity Line of Credit (HELOC). These can be better alternatives to high-interest credit cards or other loans as the rates are often lower and terms more flexible. Today we’re going to cover each type of loan, including their risks and benefits.

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Protect Your Business from Cyber Crime

As our world becomes more and more digital, cyber security is a growing concern for small businesses. Breaches are expensive, in both loss of revenue and reputational risk, with 60% of small businesses going out of business within six months of a breach. Unlike large corporations, your business likely doesn’t have a big cyber-security protection budget. The good news is that there are relatively inexpensive tactics to keep your business safe.

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What's a Checking Account?

We understand that not everyone may be a fan of crunching numbers and budgeting like we are. But even if you’re no financial guru, you probably like earning money and making it work for you. But to make your money work for you, you have to be strategic in how you use it. That’s why it’s smart to open a checking account with a community credit union like ours.

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Building Your Best Credit Score

The information used to calculate your credit score comes entirely from the information in your credit report. Credit scores tell lenders and other businesses how likely it is that you will fail to make payments in the next two to three years. Scores range from 380-850, with 850 being the best.

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6 Ways to Avoid Overdraft Charges

When you don’t have enough money in your account to cover a bill or other charge and the account goes into the negative, the transaction is left unpaid and you’ll be given a Non-Sufficient Funds (NSF) fee. These fees can add up quickly if you’re not checking your account or receiving account notifications. Plus, it can leave your bills unpaid. Here are six ways to avoid overdrawing on your account.

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Top Tips to Sell Your Home Fast

Couple Sold Their Home

The current housing market might make it easier to sell a house in most neighborhoods, but there are still ways to expedite the sale of your home. Give these tips a try, and most experts agree you’ll have an easier time making a sale.

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We've Partnered with Enterprise Car Sales

We are excited to announce that we have a new auto buying partner! You know that Rivermark is a great place to get pre-approved for an auto loan at one of the most competitive rates around. But did you know that Enterprise Car Sales is different than buying from anyone else?

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Build Your Emergency Fund

"Emergency savings" is money set aside to cover unexpected personal expenses. It's suggested that you have six months of essential living expenses saved in case of an emergency, however 28%* of Americans have no emergency savings at all.

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