BRANCH LOBBY ACCESS: As of Monday, November 30, 2020 AFFCU’s branch lobby will be accessible by APPOINTMENT ONLY. Drive-Thru access and hours remain unchanged. Lobby appointments can be requested here.

Credit & Debt

Credit & Debt

Important Reasons To Check Your Credit Report

Credit reports are produced by the three major U.S. credit bureaus – Experian, Equifax, and TransUnion. These organizations gather consumer borrowing data, as reported by financing companies and financial institutions, which is used to build a portrait of each consumers’ borrowing history and repayment activity. The individual consumer data is also analyzed to calculate a unique credit score. Both the … Continue reading

woman opening a checking account with no minimum deposit online
Credit & Debt

What Happens After Forbearance or a Payment Deferral?

Here’s what you need to know to protect your credit and avoid financial issues moving forward. Getting forbearance or a payment deferral from a creditor or lender can be a lifesaver. These programs can provide relief at a time when you need it most. You can miss a payment or not pay the full amount without facing penalties. However, there … Continue reading

Frustrated young man readin letter
Credit & Debt

What Is “Good Debt” Versus “Bad Debt”?

Debt, credit, and financing – words that can make many squeamish. Financing, unless you have piles of cash laying around most need it to help make purchases, both big and on the smaller scale. Credit, you need a good credit score and credit history to get affordable financing offers. Debt, it’s what you get when financing. But it’s not necessary … Continue reading

Credit & Debt

How To Open A Checking Account In 5 Simple Steps

Opening a checking account is an easy process that can be completed in just a few simple steps. Many financial institutions allow you to open your account online or at a local branch, depending on your preference. As long as you have the information needed to get started, you can check this off of your to-do list in a matter … Continue reading

couple reading about how to open a checking account online at home computer
Credit & Debt

7 Questions To Ask Before Opening A Checking Account For Free

A free checking account should be exactly that—free. However, many financial institutions have loopholes or special requirements that you’ll have to meet for your checking account to be truly free.  When considering opening an account with any bank or credit union, there are several questions you should ask. Common Pitfalls To Avoid With Free Checking Some of the pitfalls and … Continue reading

woman using her checking account for free to make online bill payments