Do you need some extra cash for the holidays? Guardians Credit Union can help! A Guardians CU Holiday Loan can help you free up some extra cash for your important holiday expenditures. You'll enjoy a great low rate that can make your plans affordable!
Rates as low as 8% APR1
Terms of 12 months
This great offer is only available through Dec. 24, 2017 so act fast!
From all of us at Guardians Credit Union, have a happy and safe holiday season.
Get Some Relief This Hurricane Season
Did you have any unexpected expenses this hurricane season? Well Guardians Credit Union is offering a bit of relief in these hectic times. We're always On duty for you no matter the weather!
RATES AS LOW AS 8% APR*
Borrow Up to $7,500
With a 12- Month Term
This offer is only good through October 31, 2017 so act fast! Call Guardians Credit Union at (561) 686-4006 or apply online to get pre-approved today!
CO-OP Shared Branch
There's always a branch within reach!
Guardians Credit Union appreciates that you love 'banking' with us and that's why we provide you with access to a network of over 5,500 credit union branches nationwide. In other words wherever you live, work, or play. To find the nearest branch:
Is This the Year You Stop Procrastinating About Your Financial Plan?
Some things to think about as you get started. Provided by Jack Ramsay.
Look at your expenses and your debt
Take a look at your core living expenses (such as a mortgage payment, car payment, etc.). Can any core expenses be reduced? Investing aside, you position yourself to gain ground financially when income rises, debt diminishes and expenses decrease or stay (relatively) the same.
Maybe you should pay your debt first, maybe not
Some debt is "good" debt. A debt is "good" if it brings you income. Credit cards are generally considered "bad" debts.
If you'll be carrying a debt for a while, put it to a test. Weigh the interest rate on that specific debt against your potential income growth rate and your potential investment returns over the term of the debt. Of course, paying off debts, paying down balances and restricting new debt all works toward improving your FICO score, another tool you can use in pursuit of financial freedom (we're talking "good" debts.)
Implement or refine an investment strategy
You're not going to retire solely on the elective deferrals from your paycheck; you're to going retire (hopefully) on the interest that those accumulated assets earn over time, plus the power of compounding.
Manage the money you make
If you simply accumulate unmanaged assets, you have money just sitting there that may be exposed to risk — inflation risk, market risk, even legal risks. Don't forget taxes. The greater your wealth, the more long-range potential you have to accomplish some profound things — provided your wealth is directed.
If you want to build more wealth this year or in the near future, don't neglect the risk management strategy that could be instrumental in helping you retain it. Your after-tax return matters. Risk management should be part of your overall financial picture.
Request professional guidance for the wealth you are (or could be) growing
A good financial professional should help to educate you about the principles of wealth building. You can draw on that professional knowledge and guidance this year — and for years to come.
If you don't have a long-range investment strategy, talk to a qualified financial advisor today.