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Your local credit union should be one of your first stops when you’re looking to borrow money, especially if you have a fair or bad credit score (689 score or lower). Credit union personal loans often have benefits over those of other lenders, including:
Typically lower interest rates.
Smaller starting loan amounts.
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Table of Contents
- 6 steps to opening a Roth IRA
- Current promotional CD rates
- See CD rates by term and type
- What is a bond?
- What is IRMAA?
- Still deciding on the right carrier? Compare Medigap plans
- Shopping for Medicare plans? We have you covered.
- What is the average stock market return?
- What is a charitable donation?
- What is a W-4?
- What is a CFP?
- What is the VA funding fee?
- Life insurance buying guide
- Find the right Medicare Supplement Insurance plan
- What is the sales tax deduction?
- What is an FHA loan?
- What is the earned income tax credit?
- What is bill pay?
- Bizee: Easily form your new business
- Bonds vs. notes vs. bills overview
- What's the difference between stocks and options?
- What is modified adjusted gross income (MAGI)?
- Hubspot
- Zoho CRM
- See how to get your business started quickly
- What is a rollover IRA?
- » This page is out of date
- What is the home office deduction?
- Bluevine Business Checking
- What is personal finance?
- Key takeaways
- Compare Medicare Advantage providers
- Find the right Medicare Advantage plan
- Why is retirement planning important?
- What is a put option?
- About UnitedHealthcare
- Medicare Advantage companies
- What is Plaid?
- What are lithium stocks?
- What is a financial plan?
- What is an index fund?
- What are dividend stocks?
- The Platinum Card® from American Express
- Best-performing tech ETFs
- What is a spot Bitcoin ETF?
- What is FICA tax?
- What is Amazon Flex?
- What is a VA home loan?
- What is passive income?
- Perks of Hilton award stays in Las Vegas
- Inheritance tax definition
- What are CDFIs?
- ETF meaning
- Determining how much mortgage I can afford
- How much emergency fund should I have?
- Estate planning checklist
- How to get your free credit report information
- Bullish vs. bearish: What’s the difference?
- Stocks
- 1. Determine if you need to file taxes
- Still deciding on the right carrier? Compare Medicare Advantage plans
- Best ETFs as of March 2024
- What is a Roth IRA account?
- 1. You have promotional rate that's ending
- How much are taxes on lottery winnings?
- What is private mortgage insurance?
- Online marketplace and auction sites
- What is the difference between a mortgage broker and a bank?
- 7 of the best apps to make money
- The cheapest car insurance companies by category
- How to book Qsuites
- How is the Medicare IRMAA calculated?
- Egg prices
- United flight change policy
- S&P 500 index (SPX) today
- Best stocks by one-year performance
- How to calculate interest in a savings account
- What is Form 5498?
- Georgia state income tax rates and tax brackets
- How to open an IRA
- Microsoft Office Excel budget templates
- States with no income tax
- 6 things to know about United's delayed flight compensation
- Food and drink
- 7 best-performing AI stocks
- What is cryptocurrency?
- What are restricted stock units, or RSUs
- Make sure the car qualifies for road testing
- The best time to book an Airbnb
- Investing money is personal
- What is fractional reserve banking?
- About Figo pet insurance
- What is personal property insurance?
- How much does Apple TV+ cost per month?
- Credit card basics
- 1. Certificates of deposit (CDs)
- What is MAGI used for?
- What are Vanguard index funds?
- HubSpot Marketing Hub: Best overall marketing software
- What are brokerage fees?
- Snapshot comparison
- What is Global Entry?
- 6 Upcoming IPOs
- What is a MagicBand?
- Lufthansa economy fares
- Cruising to the Bahamas
- What is a creative art business?
- Top credit card benefits for wellness and fitness
- Why is personal finance important?
- Can you withdraw money from a 401(k) early?
- What is ETIAS?
- What are consumer discretionary stocks?
- What is a savings account?
- Best Medicare Advantage companies
- How to get paid on YouTube
- Earn the 50,000 bonus miles
- United fare classes: The differences
- Why your credit score matters to lenders
- Lost: Your W-2
- Mortgage options
- Bilt airline and hotel transfer partners
- Average car loan interest rates by credit score
- The IHG One Rewards Premier Credit Card vs. the IHG One Rewards Traveler Credit Card
- Best-performing U.S. equity mutual funds
- What is generational wealth?
- How do CDs work?
- 1. Define your line
- 1. Identify your client
- How to calculate your car lease payment
- What you’ll pay for Medicare overall in 2024
- How we found the best travel insurance
- Best Priority Pass credit cards
- 4 budgeting methods to consider
- Is the stock market crashing?
- Our car rental app analysis
- Where Southwest flies in the Caribbean
- Best banks and credit unions
- How to remove an authorized user
- 1. Start investing as early as possible
- What is OpenAI?
- FICA tax rate 2023-2024
- Pros and cons of secured and unsecured loans
- VA funding fee exemptions
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- What are credit freezes and credit locks?
- How Coinbase services fit together
- Auto insurance
- How much does Amazon Flex pay?
- Is student loan interest deductible?
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- What does homeowners insurance cover?
- Chase checking accounts
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- Calculate your closing costs
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- 1. Get help with utility bills and groceries
- First, some background
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- 1. Set your budget
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- Seven steps to basic estate planning
- Brand New Day Medicare Advantage pros and cons
- Affordability
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- The four types of profit margin and what they tell you
- Discounts for smart-home devices
- ‘An expensive gamble’
- What is options trading?
- The cost of education in California
- 1. Use taxis and rideshares safely
- Best lithium stocks
- What is financial planning?
- What's changing
- What is short selling?
- High CD rates for now
- How much do you drive?
- When can you withdraw from a Roth IRA?
- Look for reviews
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- Business cash management accounts
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- My go-to cash-back cards
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- Key takeaways
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- What is a phone screen interview?
- 6 best semiconductor ETFs by one-year performance
- 1. Know your bank’s mobile check deposit requirements
- 1. Be wary of well-meaning advice
- 5 best money market mutual funds by yield
- Accessing credit card rental car insurance
- What is Frontier’s GoWild Pass?
- Emirates' cancellation policy
- Compare Medicare Supplement plans in Massachusetts
- What’s deductible
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- 1. There are 2 versions of each credit card
- Frontier Airlines Discount Den is for you if …
- What is a state income tax?
- Choose Bank of America if:
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- How does the home office tax deduction work in 2023-2024?
- 8 steps to open a car detailing business
- Making Disney park reservations
- What makes a good art business idea
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- Financial advisor fees
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- Do your research before choosing a program
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- How long does it take to close on a home?
- Staffing shenanigans
- Passport photo clothing requirements
- Average monthly expenses by household size
- How to find your way around an airport
- What is buy now, pay later?
- UnitedHealthcare Medicare Advantage pros and cons
- Compare Medicare Advantage plans in Arizona
- Meme coins at a glance
- Best benefits of the AmEx Delta Reserve card
- How does QuickBooks Self-Employed work?
- How does trading in a car work?
- Average savings account rate: 0.47%
- How Reddit can motivate and encourage
- How do index funds work?
- Roth IRA vs. traditional IRA: What's the difference?
- 1. Choose which cryptocurrency to buy
- Lottery tax calculator
- Hilton Honors
- The best money-making apps
- Bask Bank savings accounts
- Pros
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- How to make money online
- What does it mean to invest in the S&P 500?
- 1. There are two versions of the BrightWay credit card
- What is a tech ETF?
- Apply for a driver’s license
- What does a certified financial planner do?
- Top 10 spot Bitcoin ETFs by fee
- Points: Spending rewards
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- How does a secured loan work?
- What is a credit score?
- Elite status tiers
- What are estimated tax payments?
- What are Minute Suites?
- How to invest in stocks in 6 steps
- How to start with Amazon Flex
- Spirit Airlines bag fees
- How does a VA home loan work?
- 11 best investments right now
- Why Americans can’t buy cheap Chinese EVs
- How to find your EIN
- What is the standard deduction?
- What does your travel insurance cover?
- Business structure options
- Low-cost franchise opportunities: What to expect
- Summary of cash advance apps
- How to start a landscaping business in 5 steps
- Current Treasury rates
- What is PIP insurance in Florida?
- How to upgrade your American Express card
- What does IHG Ambassador status include?
- Is inheritance taxable?
- Options for an old 401(k)
- What is an ABLE account?
- Types of ETFs
- 1. The cards are pricey
- Netflix subscription cost
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- The best AD&D insurance policies of March 2024
- What is the 10-year Treasury?
- What is the 401(k) early withdrawal penalty?
- Best consumer discretionary stocks by 1-year returns
- Fly with a companion
- 1. It offers deferred interest
- When can you retire?
- Rite Aid
- How to read a credit report and what to look for
- You’ll likely want a second car
- When to choose the Delta SkyMiles® Gold American Express Card
- 1. Kuala Lumpur, Malaysia
- How to start a marijuana business in 6 steps
- Plaid: The basics
- How to use the car affordability calculator
- ETF advantages and disadvantages
- Types of bonds
- How to start building generational wealth through investing
- 20 high-dividend stocks
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- What you’ll pay for Medicare Part A
- Are these the best stocks to buy now?
- The average stock market return isn't always average
- What is a stock market crash?
- How to fill out a W-4
- 1. Tax planning starts with understanding your tax bracket
- How will the Student Aid Index be calculated?
- Roth IRA income limits 2024
- Ascend Hotel Collection
- 1. Affirm
- Why are gas prices going up?
- What is the average American net worth?
- RiverSource life insurance
- State Farm life insurance
- Credit freeze vs. lock
- Colonial Penn life insurance
- 2. Track expenses — and anticipate future ones
- Banking
- Who can deduct student loan interest?
- What does the GoWild Pass cost?
- How Medicare Supplement Insurance works in Massachusetts
- Types of RSUs
- What is a sole proprietorship?
- How does a home equity loan work?
- Most popular Medicare Supplement Insurance plan types in Pennsylvania
- What is the Walmart MoneyCenter?
- How does the earned income credit work?
- Popular Hilton hotels in Las Vegas
- 5 steps to get preapproved for a home loan
- Median income by state: 2022
- 1. There's more than one version of the store card
- Get vulnerable with the full financial picture
- Priority Pass options at PDX
- Choose Chase if:
- At a glance
- Who can get Global Entry?
- Why the Capital One Quicksilver Cash Rewards Credit Card is better for most people
- What is the 50/30/20 rule?
- The details
- How to check on the status of your passport application
- 22 popular tax deductions and tax breaks
- How to lower your credit utilization
- A closer look at CDCUs
- Places to cruise without a passport
- How much are closing costs?
- Lufthansa economy vs. Economy Light fares
- Do you need a passport for a Bahamas cruise?
- 2. Find money for child care
- Examples of personal finance in everyday life
- What is a life insurance policy?
- Ways to avoid PMI
- Why you need a savings account
- Best for size of network: UnitedHealthcare
- Bluehost: Best web hosting service for WooCommerce users
- 1. You usually can't write off such a donation on your taxes
- Reasons your credit line gets boosted
- 1. Expect discounts and rewards at BP and Amoco locations …
- The best metal credit cards
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- Best car insurance in Florida overall: Travelers
- 2. You’re 60 days late on your payments
- 2. Build your subject matter knowledge
- Boarding and cabin
- At a glance
- Tips for wearing makeup in a passport photo
- Amtrak travel classes
- Google Sheets budget templates
- Why the American Express® Gold Card is better
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- What does it mean to live in a state with no income tax?
- Where do I cash in a savings bond?
- Stocks
- How much is car insurance?
- How to choose the best crypto wallet
- How a strike works
- 12 art business ideas
- What reasons can you withdraw from your 401(k) early?
- YNAB, for hands-on zero-based budgeting
- How a higher credit limit can help you
- Steps for filling out the FAFSA if you have a deceased parent
- When to use an insurance broker
- AARP life insurance
- How put options work
- What to know about Medicare in Arizona
- How to start a business with a friend: What to do
- How to short a stock in 5 steps
- Why invest in index funds?
- Rental housing built in the construction boom comes to market
- What’s your budget?
- Roth IRA withdrawal rules
- A closer look at IHG credit card offers
- Cheap(er) cell phone plans from Verizon, T-Mobile and AT&T
- How do lottery taxes work?
- CD rate trends 2024: Higher short-term CDs
- Types of bonds
- Negotiating a lease buyout in 2021
- Double the card, double the bonus
- Take advantage of the triple tax benefit
- Cons
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- The Business Platinum Card® from American Express
- Why invest in tech ETFs?
- The best rental car apps
- Best affordable homeowners insurance in Florida: Nationwide
- Can you buy OpenAI stock?
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- Types of semiconductor ETFs
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- How to start a vending machine business: A step-by-step guide
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- 1. No credit check is required, but you’ll have to link a bank account
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- Investor responses to bull market vs. bear market cycles
- Comparing stocks and bonds
- Other benefits of the AmEx Delta Reserve credit card
- Average interest checking account rate: 0.07%
- Do you need comprehensive insurance?
- 2. Different parent may need to fill out FAFSA
- What’s wrong with your car?
- 4. You have a variable APR and the prime rate is going up
- Who can open a joint business account
- How to invest in the S&P 500 in two steps:
- What to expect the stock market to return
- Savings account simple interest vs. compound interest
- How to earn Hyatt qualifying night credits
- What is my Georgia residency status for state income tax purposes?
- The Federal Trade Commission’s budget worksheet
- Sleep Inn
- What are the credit score ranges?
- What state has the lowest gas prices?
- RiverSource life insurance rates
- Emirates' 24-hour cancellation policy
- Compare Cards
- Frequently asked questions about Chase checking accounts
- Where to find your AGI on your 1040
- How does the cost of Apple TV+ fit your budget?
- Is it worth it to cash a savings bond?
- Options
- Types of state income tax
- How much does it cost to buy Vanguard index fund shares?
- What to know if you take online surveys
- Closing costs calculator
- For non-U.S. citizens
- What's next?
- Why JSX might be right for your pet
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- How mortgage rates can vary by credit score
- A weird double standard
- More about AARP
- The risks of short selling
- There may be fewer new construction projects to come
- How to transfer Bilt Rewards
- Are Roth IRAs insured?
- Average mutual fund return
- Local sales
- Pay yourself back later
- How to choose the right budget system
- Roth IRA income limits 2023
- Why do I have to pay FICA tax?
- Why is net worth important?
- State Farm life insurance rates
- 5. Take clear pictures of the check with your mobile device
- Top Medicare Supplement Insurance companies in MA
- How to claim the sales tax deduction
- 1. High-yield savings accounts
- How to get a home equity loan
- Earned income tax credit 2024
- Standard deduction 2023
- Video: Different types of Treasurys
- 3. Prime members earn lucrative rewards
- 4. Peer-to-peer lending
- Planning meals and activities
- How do streaming services fit into your budget?
- Goodbudget, for hands-on envelope budgeting
- 4. Find the right car for you
- Share your miles
- Namecheap: Best for drag-and-drop website building
- What does Brand New Day Medicare Advantage cost?
- What to do if your account is closed
- Lost: Your 1098
- Average monthly expenses that increased year over year
- Should you use buy now, pay later?
- 4. Chiang Mai, Thailand
- Where Plaid is used: Examples
- 3. Reward redemptions are flexible
- How much do index funds cost?
- Best car insurance in Florida for having few customer complaints: Auto-Owners
- Is PMI tax-deductible?
- Marriott Bonvoy
- What you’ll pay for Medicare Part D
- Perks: Goodies for carrying the card
- Paying the VA funding fee
- Does the cost of FuboTV fit into your budget?
- Who should make estimated quarterly tax payments?
- Mobile app
- How to cancel an Emirates flight
- Pros and cons of VA home loans
- Rent a car from a rental company
- How do I pay myself as a sole proprietor?
- How the Fed changed the role of reserves
- How tax extensions work
- Unique Hilton hotels in Las Vegas
- How to apply for a Kikoff line of credit
- Bank of America vs. Chase: Basic savings accounts
- Treasury bond and note calculator
- Who pays the closing costs?
- 3. They're made of heavy metal
- When to estimate closing costs
- What is a good business credit score?
- 5. Find tax credits for health insurance
- If you want a credit card for gym memberships, fitness clubs, etc.
- Which life insurance policy is right for me?
- Sage 50 Accounting security features
- Consider a second major, minor or certificate
- Kirkland’s
- 3. Decide how to file your taxes
- Another successful dog-related token: Shiba Inu
- 4. Leave the Rolex at home
- What this means for the Petal® 1 "No Annual Fee" Visa® Credit Card
- What's next?
- What’s a spousal Roth IRA?
- Should I take a lump sum payment or annuity payments?
- Citi Priority checking accounts
- How much should you spend on a mattress?
- Other considerations
- Managing expectations
- How much interest will I earn on $10,000?
- 3. Taking the standard deduction vs. itemizing
- How does Amtrak BidUp work?
- 3. Apple Pay Later
- RiverSource customer complaints and satisfaction
- 4. Prepare for resistance
- Spirit Airlines change fees
- Selling vested shares
- Airbnb hacks and strategies to avoid overpaying
- Are Walmart MoneyCenter services worth it?
- How to find another company's EIN
- What’s not covered
- Frugal DIY project tips
- Choosing your business structure: What to consider
- What are the risks of investing in Treasurys?
- Know when to say 'no'
- Keap: Best for dedicated support
- Cruises
- More about these investment expenses
- States that have estate taxes, inheritance taxes or both:
- Why the Chase Freedom Unlimited® could be more appealing for some
- How to get Global Entry through travel cards
- Why you might prefer the Capital One VentureOne Rewards Credit Card
- 7 ways to expedite your passport application
- How to qualify for first-time home buyer benefits
- Is it cheaper to fly to Oahu or Maui?
- Your 401(k) plan allows after-tax contributions
- Who is covered?
- How do HSA and FSA contributions work?
- Shop with your card to earn miles
- 4. Home Depot offers a separate card for bigger projects
- Rewards opportunities
- You’ve reported an increase in income
- What does UnitedHealthcare Medicare Advantage cost?
- So should you follow advice from r/personalfinance?
- 3. IRS imports tax information
- Cooling rents still aren’t showing up in inflation data
- 2. Choose how you'll pay
- When can you stop paying for PMI?
- How to invest in dividend stocks
- 3. Separate your business and personal finances
- What is a business cash management account?
- 4. Register your business
- Why is there an egg shortage?
- How to apply for a joint business bank account
- 4. Both cards earn rewards
- Marriott Bonvoy Brilliant™ American Express® Card
- Tips for booking rental cars with an app
- 3. Open an investment account
- Can you invest in OpenAI’s partners?
- The Bitcoin ETF price war
- How does an unsecured loan work?
- How many banks have collapsed?
- Colonial Penn customer complaints and satisfaction
- How to invest in AI stocks
- The significance of adjusted gross income
- Frontier’s Discount Den benefits
- Do I pay taxes when I cash in savings bonds?
- Is PIP insurance all you need to drive in Florida?
- You'll likely forgo a welcome bonus
- Do I have to pay California state tax?
- How to open an ABLE account
- How much is car insurance in my state?
- Simplified version vs. actual expense deduction
- 6. Apply for college grants
- Is PMI worth it?
- Sage 50 Accounting customer support
- The particular risks of neobanks
- What you'll pay at closing
- Your RV should be tall enough for you (but not too tall to drive)
- Peace of mind
- 3. It has a low spending limit
- Diversifying with index funds
- Overcoming new car envy
- 5. You’ve had the card at least 12 months
- Cheap cell phone plans from brands that resell network service
- Communicate beforehand
- How to use the car lease calculator's results
- How else can I buy cryptocurrency?
- Affiliation discounts
- W-4 form 2024
- Low-cost insurance available in California
- Calculate your reduced Roth contribution
- More ways to take charge of your budget
- Quality Inn
- How to increase your net worth
- More about RiverSource
- State Farm customer complaints and satisfaction
- Credit cards that don’t cover some EV car rentals
- Additional education tax breaks
- Medicare Supplement Insurance prices in Massachusetts
- Standard deduction 2024
- 3. EarnIn: Best for large advances
- 4. You’ll get a small introductory bonus
- Other Kikoff credit-building tools
- Paying for the trip
- MagicBand pros and cons
- 4. Some of the perks are fancy
- Booking award flights
- Cruising versus flying
- InMotion: Best for VPS hosting
- The bottom line
- Average monthly expenses that declined
- Medicare resources in Arizona
- The annual fee is worth it if:
- 5. Use (and hide) your phone strategically
- Clothes, vintage and crafts
- How do bonds work?
- Hack your IRA
- Mattress-buying tips
- Compare Medicare Part D plans
- How to change a United flight
- What to do after removing an authorized user
- Best homeowners insurance in Florida for having few consumer complaints: Chubb
- How much does working with a CFP cost?
- 6. Confirm the check details and complete the deposit
- Where Colonial Penn stands out
- 5. Refrain from big financial decisions
- Are home equity loans a good idea?
- Medicare resources in Pennsylvania
- How to qualify for the earned income credit
- What isn’t covered by personal property insurance?
- 4. The cards could help you finance a purchase
- 5. Online savings accounts
- How to choose between term and whole life insurance
- MAGI vs. AGI: What's the difference?
- Watch out for capital gains taxes
- Get more help with monthly budget planning
- Step 3: Choose your lender and loan
- Types of life insurance trusts
- Best homeowners insurance in Washington for consumer experience: American Family and Nationwide
- Your 401(k) lets you move your after-tax money
- Why is the 10-year Treasury yield important?
- 5. Contact the seller or visit a dealership
- How much to keep in your savings account
- What solution add-ons are available?
- Best for local support: Blue Cross Blue Shield
- 5. Loyalty doesn't always pay off
- Is United’s basic economy worth it?
- Bear market vs. recession: What’s the difference?
- 5. Hammamet, Tunisia
- Drawbacks
- 4. The APR for purchases is sky-high…
- 4. Delay impacts some state financial aid forms
- How do tax refund loans work?
- 4. Find startup funding
- Do I still have to pay the IRMAA if I choose Medicare Advantage?
- 5. Foreign transaction fee is low
- A new addition to my wallet
- How to prepare for a phone screen interview
- How are gas prices determined?
- Money market mutual funds vs. money market accounts
- Is the Frontier GoWild Pass worth it?
- How to cancel an Emirates Skywards award flight
- The bottom line
- Figo coverage options
- Bank of America vs. Chase: Certificates of deposit
- Consider travel insurance
- Treasury bills calculator
- What do closing costs include?
- Market your skills effectively
- Lost: Enough time to do your taxes because you were hunting for lost documents
- When to choose the Delta SkyMiles® Platinum American Express Card
- What is a short squeeze?
- Which Bilt transfer partners are best?
- How to open a Roth IRA in 6 steps
- When your interest rate matters (and when it doesn't)
- How do I deal with lottery taxes?
- No-PMI mortgages
- Benefits of a business cash management account
- If you decide to negotiate the penalty
- How to buy cryptocurrency with a credit card
- Booking Southwest flights to the Caribbean
- Compare the best savings and money market accounts
- Clarion
- Who might prefer the Blue Cash Preferred® Card from American Express
- Where State Farm stands out
- 7. Keep the check until it's processed
- Where Colonial Penn falls short
- How does cryptocurrency work?
- How much do I pay myself as a sole proprietor?
- Medicare Supplement Insurance Providers
- In-flight experience
- You should probably postpone buying a house if …
- Should I do a balance transfer?
- How to stop backup withholding and get credit for it
- How to calculate your modified adjusted gross income
- Marriott Bonvoy Moments
- How to file a Capital One rental car insurance claim
- Consider the costs of cashing out your 401(k)
- Mortgages where credit score matters less
- How much should I spend each month?
- Are meme coins worth an investment?
- 6. Dress appropriately for the culture
- 4. You can’t carry a balance, so there’s no APR or fees
- Trading in vs. other methods of selling
- Try other sources of help
- Most rent remains unaffordable
- Best car insurance in Florida for ease of use: State Farm
- When the Southwest Rapid Rewards® Premier Credit Card could be a better choice
- How to find the 2024 W-4
- What is Georgia's standard deduction?
- How to find AI ETFs
- What is the VA loan limit?
- LLC payroll taxes
- Frugal home expenses tips
- 5. Financing options are available, but proceed with caution
- Kikoff vs. Self
- Understanding the American Express card families
- What is California's standard deduction?
- How to apply online for Global Entry
- ABLE accounts can provide peace of mind
- Is there an income limit to qualify as a first-time home buyer?
- 5. Overall, the cards are so-so
- Watch out for scams
- How do I access the money in my FSA or HSA account?
- How much life insurance should I buy?
- HostGator: Best for dedicated server hosting
- What information is not found on your credit reports?
- It may help the card issuer with retention
- Slide outs seem like a luxury — as long as you can still use the bathroom
- Buying a put option vs. short selling
- The AmEx Delta Reserve credit card is worth it for frequent Delta flyers
- Types of mortgage loans
- Average certificate of deposit rate: 1.81% for one-year CDs
- How comprehensive insurance works
- Quick start guide: How to invest in index funds
- Save money on PMI
- World of Hyatt
- What you’ll pay for Medigap
- Pros and cons of using a credit card to buy cryptocurrency
- Passport picture requirements in the U.S.
- Best for emergency medical coverage: Allianz Global Assistance
- IHG One Rewards Premier Credit Card
- Do spot Bitcoin ETFs have custodianship risk?
- VA funding fee vs. mortgage insurance
- Where State Farm falls short
- 2. Certificates of deposit
- How to change or cancel an EIN
- Standard deduction for those 65 or older
- What is your modified adjusted gross income (MAGI)?
- Credit union personal loan rates
- Using Hilton complimentary night rewards in Vegas
- How to buy Treasury bonds, notes and bills
- Constant Contact: Best for unlimited user access
- 3 ways to avoid inheritance tax
- Taxes for rollover IRAs: 2 rules to know
- Which card (or cards) should you get?
- Recent IPOs: How did they do?
- The most popular surveys for cash apps
- When you need a passport for a cruise
- Flying between Maui and Oahu
- 3. Get disability and life insurance
- Are 10-year Treasury notes a good investment?
- Alternatives to savings accounts
- More from Sage
- 5. ... and so is the APR for balance transfers
- 5. Student Aid Index (SAI) replaces EFC
- More reading about ETFs
- 3. Store your cryptocurrency
- 5. Find suppliers and create your jewelry
- 5. Separate your business and personal finances
- Next steps:
- Service and food
- How much does it cost to invest in the S&P 500?
- Ready to get started?
- Compare the best CD accounts
- How do I find a certified financial planner near me?
- Other Roth IRA rules
- 4. Pick an investment strategy
- Clarion Pointe
- 4. Klarna
- How the 9 states with no income tax stack up
- How to calculate quarterly estimated taxes
- 6. Be conservative when spending and saving
- How to choose a money market fund
- How do I grow my home's equity?
- When is the deadline for filing a tax extension?
- Restrictions and waiting periods
- How can I access these locations?
- Should you choose Bank of America or Chase?
- Making it memorable
- Which card should you get?
- The bottom line
- Are Disney MagicBands worth it?
- No-closing-cost mortgages
- You’ve got money left over for savings
- What if I don't use all the money?
- 6. Inspect and test-drive the car, if applicable
- What's next?
- Brand New Day Medicare Advantage plan types
- Insurance broker vs. independent agent
- More U.S. passport photo requirements
- Other cities where you can find affordable luxury
- Customer experience
- 7. Buy a local SIM card to avoid high roaming costs
- Is transferring your Bilt Rewards worth it?
- Final thoughts on earning American Airlines miles with Citi or Bask Bank
- How do I find out if the Medicare IRMAA applies to me?
- Still not sure which budget system is best for you?
- The bottom line on OpenAI
- Why did First Republic Bank fail?
- What factors impact your credit scores?
- More about State Farm life insurance
- More about Colonial Penn
- Medicare resources in Massachusetts
- How are cryptocurrencies created?
- Extra personal property coverage for valuable items
- Reasons to get a credit card
- 5. It’s still a store card
- 4. Varo: Best for existing bank customers
- 6. High-yield checking accounts
- 2023 state income tax rates and brackets
- How to get IHG Ambassador status
- Step 4: Gather loan documents
- What else you need to know
- Alternatives
- 5. It reports to all three credit bureaus
- What is naked short selling, and why is it illegal?
- The U.S. needs way more rental housing
- Things to consider
- Other low-down-payment mortgage options
- Other possible outcomes
- Vehicle-related features discounts
- Claiming tax-deductible donations on your tax return
- Do I have to update my W-4 every year?
- Full list of the best homeowners insurance in Florida
- What is the difference between a CFP and a CFA?
- Emirates' cancellation policy recapped
- Benefits of RSUs
- Benefits for all Chase checking accounts
- How many tax extensions can you file?
- How to earn Hilton points quickly
- Making the decision: options vs. stocks
- How do you buy Vanguard Index fund shares?
- What part of my income gets taxed by California?
- Full list of the best homeowners insurance in Washington
- EveryDollar, for simple zero-based budgeting
- Why flying JSX still might not make sense
- You must ensure your car can actually tow your RV trailer
- Other stock market changes: Dips, corrections and crashes
- What apps let you buy now, pay later?
- Starting a business with a friend: What not to do
- 6. Sell your jewelry
- Drawbacks of a business cash management account
- 6. Create a business budget
- You don’t need to have $10,000 to take advantage of compound interest
- Compare the best checking accounts
- 4. Keep an eye on popular tax deductions and credits
- What's the tax filing deadline for my Georgia state income tax bill?
- Contributing too much to a Roth
- MainStay Suites
- Getting a refund for your funding fee
- Types of gas
- Medicare Supplement Insurance Providers
- Refinancing a VA home loan
- Who counts as a qualifying child for the earned income credit?
- Some helpful links from the IRS
- How do you buy 10-year Treasury notes?
- Best for low-cost plan availability: Humana
- Other things to keep in mind
- The card issuer hopes you’ll carry a balance
- Can I take my own passport photo?
- 6. Pell Grant award expands
- Full list of the best car insurance in Florida
- Mutual fund fees
- How much does a tax refund loan cost?
- Crypto as a credit card reward
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
- Methodology
- What do the approvals mean for Bitcoin?
- Consider a Discount Den membership instead
- 3. Bonds
- How much does a tax extension cost?
- Figo pet insurance rates
- Alternatives to term and whole life insurance
- How much is car insurance by company?
- Other home office deduction rules and considerations
- Should you fly JSX with your pet?
- Cloudways: Best for cloud-based web hosting
- How to build your credit score
- Electronics
- What about the other Southwest cards?
- Final thoughts on changing your United flight
- Best Android personal expense tracker apps
- VA funding fee isn't the only closing cost
- How to earn Avis Preferred Points
- Could we be in an AI bubble?
- 7. Know when to get help
- Why are there so many kinds of cryptocurrency?
- LLC self-employment taxes
- What is 100% or full reserve banking?
- How to get a loan from a credit union
- If you want to stay in a Hilton hotel in Las Vegas ...
- Next steps:
- Closing costs for the buyer
- The decline of strikes in the U.S.
- Bottom line
- 7. Determine which warranties are right for you
- How much do life insurance policies cost?
- Brand New Day Medicare Advantage service area
- The picture so far
- Dress code for a passport picture recapped
- Additional benefits
- 4. Understand how your taxes are determined
- 8. Join solo female traveler Facebook groups
- How much does comprehensive coverage cost?
- Are bonds a good investment?
- How do I pay the Medicare IRMAA surcharge?
- How to earn more interest in a savings account
- How to adjust your Form W-4
- Compare the best banks, credit unions and cash management accounts
- More Florida home insurance companies
- Why did Silicon Valley Bank fail?
- If you’re considering a stay at Minute Suites
- How corporations differ from sole proprietors in terms of salary
- Zoho CRM: Best overall CRM software
- Am I a resident for California state tax purposes?
- Gift cards
- The bottom line
- Seller-paid closing costs
- Why do I need a business credit score?
- Do you pay tax on T-notes?
- Things to consider when seeking a higher credit limit
- Why insurance companies reward smart-home devices
- How to switch plans and keep your number
- Supplemental strategy
- Amtrak BidUp tips
- Benefits of an IRA
- Everhome Suites
- 5. PayPal
- United Airlines flight delay compensation, recapped
- Other limitations on EV car rental insurance coverage
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- Types of VA home loans
- Drawbacks of RSUs
- Can I claim the EITC without a child?
- Standard deduction for dependents
- Tax extensions for overseas taxpayers and military members
- How much does homeowners insurance cost in Washington?
- Capital One car rental coverage, recapped
- Where to find the best savings accounts
- Working from hotel rooms can be feasible
- Other ways to buy insurance
- Finding a car you can afford
- The bottom line on short selling
- Why you can trust NerdWallet
- Are these the best dividend stocks?
- Can I take my own passport photo?
- 5. Understand your investment options
- Should you get a secured or unsecured personal loan?
- Interest-based passive income ideas
- What is the money multiplier formula?
- Costs of carrying a credit card
- 5. Dave: Best for repayment flexibility
- What are the best Vanguard index funds?
- Exclusive invitation: IHG Royal Ambassador Status
- Which type of life insurance should I put in a trust?
- Next Steps
- How to buy consumer discretionary stocks
- Average money market account rate: 0.67%
- Pros and cons of tax refund loans
- 7. Establish your brand and start marketing
- 7. Determine your pricing
- Best for travelers with pre-existing medical conditions: Travel Guard by AIG
- Charitable deductions 2023
- If you want to use an app to rent a car
- Checking in for your Southwest Caribbean flight
- Compare the best bank accounts for students and kids
- 5. Know what tax records to keep
- What is the difference between a CFP and a financial advisor?
- How to track your Georgia state tax refund
- How to redeem Avis Preferred Points
- How to estimate taxes for an income tax extension
- If you’re thinking about buying Frontier’s GoWild Pass …
- LLC sales taxes
- In-flight entertainment
- Merchandise
- Step 5: Submit your application and get funded
- How do ETFs work?
- The bottom line
- How do I get my business credit score?
- UHC Medicare Advantage plan types
- Finally, enjoy your travels
- 7. Application available in more languages
- Can you lose money in mutual funds?
- Wyndham Rewards
- The Capital One Venture Rewards Credit Card is more practical and flexible
- Factors that don’t affect your credit scores
- Why are California gas prices so high?
- How to claim the earned income tax credit
- Another Chase checking account perk: the Chase Disney debit card
- Credit union vs. online lender
- How to get Discount Den membership for free (or cheap)
- 2024 state income tax rates and brackets
- Can you contribute to a rollover IRA?
- Typical entry-level salaries by occupation
- 8. Negotiate the best price
- How to choose the best web hosting for your small business
- Overpacking is easy — but it’ll ruin your trip
- The bottom line: Is comprehensive insurance worth it?
- What's next?
- Summary of the best banks and credit unions of 2024
- Protections: Peace-of-mind benefits
- WoodSpring Suites
- Which card should you get?
- How many times can you use a VA home loan?
- When can't you take the standard deduction?
- What happens after you file a tax extension?
- Discounts
- A resurgence of strikes in the U.S.
- Best of the Blues: Highmark
- If you see errors, dispute them
- Should you buy smart-home devices?
- 8. Fewer questions
- Should you invest in cryptocurrency?
- What hotel brands are part of IHG?
- Mutual funds: The bottom line
- 8. Market yourself
- Passport picture requirements don't forbid makeup
- Find your cards, find your strategy
- What are milestone awards?
- If you're considering renting an electric car
- Are cryptocurrencies financial securities, like stocks?
- Fees to select a seat ahead of time
- The bottom line
- Calculating MAGI: Example
- Is Global Entry worth it?
- Average cost of homeowners insurance in Washington by city
- Other closed-loop cruises
- Empower Personal Dashboard, for tracking wealth and spending
- How much money can you make on YouTube?
- Which one should you choose?
- 5. Gather tax filing information
- Can I appeal the Medicare IRMAA if I don't think it applies to me?
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- Stock market crashes in history
- Fee-only vs. fee-based financial advisor
- 2024 Georgia state income tax changes
- What do the approvals mean for other crypto investments?
- Why did Signature Bank fail?
- How to improve your credit
- Should you invest in AI stocks?
- State availability
- How much personal property insurance do you need?
- Other perks of KLM business class
- Why a financial advisor's fee structure matters
- Alternatives to buy now, pay later
- Tax refund loan alternatives
- The bottom line
- 4 key things to know about bonds
- Shopping protections
- 6. Sezzle
- How to pay estimated taxes
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- How Chase premium checking accounts compare
- 6. MoneyLion: Best for existing customers
- The other Frontier program: Frontier Miles
- Other ways to build credit
- Maui vs. Oahu, recapped
- Important considerations when opening a Roth IRA
- 9. You can list more colleges
- Bond Funds
- 9. Prepare yourself for tutoring challenges
- Personal traits discounts
- How much does homeowners insurance cost in Florida?
- Suburban Extended Stay
- Consequences of an EIC-related error
- How much is my 2023 standard deduction?
- How do you file a state tax extension?
- Tips for effective credit card use
- What to look for in marketing software
- How much is auto insurance based on your driving record?
- Disney reservations availability recapped
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- 9. Maximize trade-in value, if applicable
- Compare top-rated life insurance companies
- Final thoughts on the different United economy fare classes
- It’s not necessarily cheaper than a hotel
- Third-party ratings
- Choose the best IHG credit card offer for you
- Earn points faster with a credit card
- 6. Tweak your W-4
- If you want to get Hyatt credit card night credits
- 3 things to know about Georgia state tax
- How to earn other travel rewards through your Avis car rental
- What homeowners insurance won't cover
- What is credit card consolidation?
- Can you cruise without a passport?
- The cheapest home insurance in Washington
- 6. Settle up with the IRS
- The difference between interest rate and APY
- More reading for active investors and traders
- The bottom line
- Is the Amtrak BidUp tool worth it?
- Does the president control gas prices?
- Consumer experience
- Next steps
- Starting a landscaping business: The economics
- How to start a vape shop online
- ETF creation and redemption
- If you want to cruise to the Bahamas
- What is the normal fee for a financial advisor?
- Selling a put option
- Options trading examples
- 10. Sibling discount removed
- Are there drawbacks to investing in the S&P 500?
- Econo Lodge
- What’s happening with Silvergate Capital Corp.?
- How can I check and monitor my credit?
- Fees for in-flight refreshments
- Additional benefits for premium Chase checking accounts
- Alternatives to the best AD&D insurance
- How to shop for Medicare Advantage plans
- Earn an audience, and earn more in the long run
- The bottom line
- Best for those who pack expensive equipment: Travel Insured International
- If you're ready to start a budget
- Frequently asked questions about estimated tax payments
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- More resources on investing
- Which states have federal tax deadline extensions?
- A great World Business Class flight with KLM
- Is consolidating credit card debt a good idea?
- Cheapest for 30-year-old drivers
- 10. Make the purchase
- Types of financial planning help
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- The bottom line on how to prepare for a stock market crash
- Average cost of homeowners insurance in Florida by city
- What happened to Credit Suisse?
- LLC tax tips for business owners
- Can I still get a past year's earned income tax credit?
- How to make a personal property claim
- 7. SoLo Funds: Best for peer-to-peer cash advances
- If you’re considering joining the Discount Den
- What to know about Washington homeowners insurance
- Find the best life insurance policy for you
- Which type of bond is right for you?
- Clearing immigration
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- Travel protections
- Rodeway Inn
- 7. Zip
- How does the Israel-Hamas war affect gas prices?
- In-cabin pet fee
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How do credit union loans work?
Credit unions are not-for-profit financial organizations that serve members who live, study, work or worship in a particular area. Each credit union is controlled by members, who elect volunteer board members to oversee the organization.
If you meet the credit union’s requirements, you can apply for membership, usually online. You may be required to open an account with an initial minimum deposit, typically $5 to $25. Once your membership is approved, you can access banking services, including personal loans.
Once you apply for a loan and are approved, you’ll receive the funds in your account and then repay the credit union in fixed monthly installments, with terms ranging from two to seven years.
Best credit union personal loans for 2024
If you don’t have a neighborhood credit union, nationwide options are available. The credit unions below lend in all 50 states and Washington, D.C., and you can likely apply for membership online.
Alliant: Best for fast funding
Becoming a member at Alliant doesn’t require a fee, and anyone is eligible by joining Foster Care to Success, a nonprofit organization that serves foster teens across the country. Alliant even pays the $5 membership fee to FC2S on your behalf.
Why it stands out: Alliant offers a wide range of personal loan amounts and can approve most borrowers the same day they apply. Once you sign the loan documents, Alliant can also provide same-day funding.
First Tech: Best for co-sign and joint loan options
First Tech mostly serves tech companies and their employees with personal loans up to $50,000.
Why it stands out: First Tech offers co-signed and joint loans to personal loan borrowers. By adding someone with a higher credit score or larger income to your application, you may boost your chances of getting approved. Co-borrowers are equally responsible for missed payments, but in a co-signed loan, only the primary applicant has access to the loan funds.
PenFed: Best for a seamless application process
PenFed is known for serving military members, but anyone can join the credit union by opening a savings account with an initial deposit of $5.
Why it stands out: Not only can anyone join PenFed, but unlike other credit unions, you can apply for membership as part of the loan application, letting you combine both these steps into one. PenFed also lets you pre-qualify online to see your potential rate, loan amount and monthly payment without affecting your credit score, so you can get an idea of your loan options before you apply.
Navy Federal: Best for military members
To be eligible for membership at Navy Federal, you must be active duty, retired or a veteran of any military branch; a Department of Defense civilian; or a family or household member.
Why it stands out: In addition to focusing on military members and their families, if you’re active duty or retired military, you can qualify for a 0.25 percentage point discount on your personal loan’s annual percentage rate, which lowers the overall interest you’ll pay on the loan.
Credit union personal loan rates
Rates for unsecured personal loans will depend on your credit score, credit history, income and debts.
Rates can also vary by type of credit union: federally chartered vs state-chartered.
Federal credit unions cap annual percentage rates at 18%. Your credit union may also charge an application fee that isn't part of the APR.
As of September 2023, the average APR for a three-year federal credit union loan is 10.58%, according to data from the National Credit Union Administration.
Lender | Typical APR range | Loan amounts |
---|---|---|
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 11.79% - 29.49%. | $1,000 to $100,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 7.99% - 17.99%. | $2,000 to $50,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 8.99% - 18.00%. | $500 to $50,000. |
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more. See my rates on NerdWallet's secure website | 7.49% - 18.00%. | $250 to $50,000. |
How to get a loan from a credit union
A low credit score alone won’t typically disqualify you from getting a loan from a credit union, because credit unions consider your whole financial picture, including your credit history and standing as a member with the credit union, when reviewing your loan application. Still, a good score will get you a lower rate than someone with bad credit, so it pays to check your credit score before applying for a loan.
Since credit unions come in many sizes, the application process, approval criteria, rates and other aspects of a personal loan vary. Many credit unions allow online loan applications, which typically ask for personal and contact information, Social Security number, employment and income details and any current debts.
» MORE: How to apply for a personal loan
Local or smaller institutions may require you to apply in-person or close the loan at a branch.
Credit union vs. online lender
Online lenders offer loans across the credit spectrum, so they’re another option for bad-credit borrowers (629 credit score or lower) who need a personal loan.
» MORE: See your bad-credit loan options
While credit unions only conduct a hard credit check — which can cause a small temporary dip in your credit score — most online lenders typically perform soft credit checks first to see if you pre-qualify for a loan.
Online lenders also offer online applications that don’t require you to visit a branch and typically fund loans quickly.
But loans from credit unions tend to be cheaper than those from online lenders, especially for borrowers with fair or bad credit scores. Borrowers with fair credit received an average APR around 18%, according to the most recent anonymized offer data from users who pre-qualified in NerdWallet’s lender marketplace.
Next steps
If you’re already a member and you can withstand a temporary hit to your credit score, a credit union may get you the cheapest loan. NerdWallet recommends comparing loans from multiple lenders.
You can pre-qualify with online lenders on NerdWallet and compare your estimated rate with one from your credit union.
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