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So you’ve settled into a stable job and don’t plan on moving to a new city anytime soon. You’ve decided to put down some roots and make the move from “renter” to “homeowner.” Here are a few things to consider:

Credit scores have a lot of mystique: they can determine everything from mortgage and auto loan rates to (believe it or not) insurance rates, but most people aren’t entirely sure how they’re calculated. Most people would guess credit scores are based on how faithfully you pay your bills. That is a major component, but it’s not the whole picture.

There are many important financial decisions that must be made throughout someone’s life. As part of our mission to help members with all their financial needs, we offer free, educational seminars to assist and provide you with the financial solutions that help you achieve your dreams.