A Home Equity Line of Credit (HELOC) can be a flexible way to put your home’s equity to work. This blog explains how HELOCs differ from home equity loans, when each option makes sense, and how homeowners can use them for projects, expenses, or opportunities—while borrowing responsibly and making the most of their home’s value.
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Buying or selling a vehicle privately in Iowa can be a great way to save money—but there are a few important steps to get it right. This guide walks through the paperwork, title transfer, and disclosures you’ll need, plus how a Metco auto loan can make financing a private-party purchase simple and stress-free.
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Home improvement projects can boost your home’s value—but they also attract scams. Watch for door-to-door contractors, large upfront payments, vague contracts, missing licenses, and “too good to be true” pricing. Protect yourself by researching contractors and getting written estimates. When financing, consider home equity options and work with a trusted lender to decide confidently.
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Refinancing can lower payments or free up cash—but it’s not always the right move. The real question isn’t can you refinance, but should you. Learn when refinancing auto or home loans makes sense, when it doesn’t, and how to decide what’s best for your financial goals.
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Recover from holiday spending by checking your credit report. January is the perfect time to spot high utilization, missed payments, or fraud. Metco members can easily monitor their credit health with SavvyMoney. Check your score today to ensure a strong financial start to the year!
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The U.S. has stopped making new pennies for circulation, and they’ll gradually disappear from wallets and cash drawers. For members, this means cash purchases may be rounded to the nearest five cents—but digital payments stay exact. At Metco Credit Union, we’re here to help you navigate the change and make sure your money always adds up.
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Holiday spending got you feeling behind? You can turn things around fast. From lowering payments to setting up focused savings and automating good habits, these five tips will help you regain financial control this January. Tap into the full blog to start your fresh-year reset.
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Your credit score isn’t just about making payments on time. Large purchases and high credit usage can temporarily lower it. Here’s what you need to know to stay in control of your score.
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When the Federal Reserve changes interest rates, it can ripple through to your wallet — but not all loans react the same way. Short-term and variable-rate loans, like credit cards or auto loans, usually move with the Fed’s rate changes, while long-term fixed loans, such as mortgages, often follow different market factors like Treasury bonds.
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Your credit can play a big role in your life. It can affect whether you’re approved for a loan, how much interest you’ll pay, or even if you’re able to rent an apartment. A common question we hear is: “Is a credit score the same as a credit report?” The answer is no — but […]
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