{"id":1391,"date":"2020-06-26T14:11:49","date_gmt":"2020-06-26T19:11:49","guid":{"rendered":"http:\/\/formationcu.com\/?p=1391"},"modified":"2025-04-26T00:53:12","modified_gmt":"2025-04-26T05:53:12","slug":"when-times-are-tough-we-can-help","status":"publish","type":"post","link":"https:\/\/formationcu.com\/?p=1391","title":{"rendered":"When Times Are Tough We Can Help"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text]<span style=\"font-weight: 400;\">In tough times, it&#8217;s more important than ever to develop and maintain good financial habits. Having a household budget and shedding high-rate credit card debt are two obvious things that could benefit most consumers. But figuring out where to start can be a daunting task\u2014especially if you feel like you&#8217;re already in trouble. The thing to remember is that it&#8217;s never too late to ask the Louisiana USA team for help.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-heading.vcex_6a63cff09ed02{color:#e03a3e;}<\/style><div class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl vcex_6a63cff09ed02\"><span class=\"vcex-heading-inner wpex-inline-block\">Manage your mortgage<\/span><\/div>[vc_column_text]<strong>If you have an adjustable-rate mortgage (ARM) and are facing a rate adjustment, refinancing your home loan with us might be the break you need. If you qualify, you could:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Refinance into a fixed-rate 30-year (or shorter-term) mortgage.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Refinance into a new ARM that has terms better suited to your situation.<\/span><\/li>\n<\/ul>\n<p><strong>Even if you have a fixed-rate home loan, refinancing may free up some money you could use to:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay down more expensive debt\u2014credit card bills, for example.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Build your emergency fund for unexpected expenses, such as car repairs.<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-heading.vcex_6a63cff09f9a6{color:#e03a3e;}<\/style><div class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl vcex_6a63cff09f9a6\"><span class=\"vcex-heading-inner wpex-inline-block\">Tap your home's equity<\/span><\/div>[vc_column_text]<strong>If you have an adjustable-rate mortgage (ARM) and are facing a rate adjustment, refinancing your home loan with us might be the break you need. If you qualify, you could:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Refinance into a fixed-rate 30-year (or shorter-term) mortgage.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Refinance into a new ARM that has terms better suited to your situation.<\/span><\/li>\n<\/ul>\n<p><strong>Even if you have a fixed-rate home loan, refinancing may free up some money you could use to:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay down more expensive debt\u2014credit card bills, for example.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Build your emergency fund for unexpected expenses, such as car repairs.<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-heading.vcex_6a63cff0a0bad{color:#e03a3e;}<\/style><div class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl vcex_6a63cff0a0bad\"><span class=\"vcex-heading-inner wpex-inline-block\">Cut credit card costs<\/span><\/div>[vc_column_text]<strong>Not all credit cards are created equal. Switch to a credit union credit card\u2014they average more than two percentage points lower than bank credit card interest rates, and often have lower fees as well.<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay on time, no exceptions<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Whenever possible, pay the balance each month. When you have to stretch payments, pay in as few months as you can manage.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Avoid cash advances\u2014the interest rate on these is higher than on straight purchases.<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-heading.vcex_6a63cff0a132f{color:#e03a3e;}<\/style><div class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl vcex_6a63cff0a132f\"><span class=\"vcex-heading-inner wpex-inline-block\">Pass up payday loans<\/span><\/div>[vc_column_text]<strong>Payday lenders promise to help when you&#8217;re short on cash. You&#8217;ll get the money you need, but with interest rates from 300% to 1,000%.<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">\u00a0We offer payday loan alternatives with fairer terms and lower interest rates, such as short-term signature loans and low-cost cash advances.<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-heading.vcex_6a63cff0a1967{color:#e03a3e;}<\/style><div class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl vcex_6a63cff0a1967\"><span class=\"vcex-heading-inner wpex-inline-block\">Use direct deposit<\/span><\/div>[vc_column_text]<strong>Direct deposit will help you to save automatically. You simply need to set\u00a0 a certain amount or a percentage into your checking account and another amount into your savings. It gives you:<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">One less thing to worry about; it&#8217;s the safest way to receive your money,<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">An easier and more convenient way to contribute to IRAs (individual retirement accounts) and other savings vehicles, and<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">More control over your money and your time\u2014it&#8217;s predictable and dependable.<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-heading.vcex_6a63cff0a3f80{color:#e03a3e;}<\/style><div class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl vcex_6a63cff0a3f80\"><span class=\"vcex-heading-inner wpex-inline-block\">Steer clear of scams<\/span><\/div>[vc_column_text]<strong>Some scammers use negative economic news to scare investors into high-risk investments. They use investor fears to promote sketchy schemes with promises of high return and no risk that leave investors with nothing but empty wallets.<\/strong><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Hang up on aggressive cold callers<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Delete unsolicited emails promoting investment opportunities.<\/span><\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<span style=\"font-weight: 400;\">As a member-owned not-for-profit institution, we look out for our members&#8217; best interests. Our rates and fees can save members hundreds of dollars annually. Don&#8217;t wait until you&#8217;re in deep trouble to ask us for a financial checkup. In fact, the earlier you ask for a review, the better the outcome can be.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_cta h2=&#8221;We\u2019re here to help you!&#8221; style=&#8221;custom&#8221; add_button=&#8221;right&#8221; btn_title=&#8221;Talk To Our Team&#8221; btn_style=&#8221;custom&#8221; btn_custom_background=&#8221;#ffffff&#8221; btn_custom_text=&#8221;#e03a3e&#8221; btn_align=&#8221;right&#8221; custom_background=&#8221;#0067a5&#8243; custom_text=&#8221;#ffffff&#8221; btn_link=&#8221;url:http%3A%2F%2Fformationcu.com%2Fcontact%2F|||&#8221;][\/vc_cta][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]In tough times, it&#8217;s more important than ever to develop and maintain good financial habits. Having a household budget and shedding high-rate credit card debt are two obvious things that could benefit most consumers. But figuring out where to start can be a daunting task\u2014especially if you feel like you&#8217;re already in trouble. The thing&hellip;<\/p>\n","protected":false},"author":17,"featured_media":1399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,16,29,21,10],"tags":[],"post_series":[],"class_list":["post-1391","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-loans","category-more-than-a-credit-union","category-mortgage","category-news","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>When Times Are Tough We Can Help - Formation Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/formationcu.com\/when-times-are-tough-we-can-help\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"When Times Are Tough We Can Help - Formation Credit Union\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column][vc_column_text]In tough times, it&#8217;s more important than ever to develop and maintain good financial habits. 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