When it comes to our cars and knowing when it’s time to replace one that’s in its last miles, some people subscribe to the “drive it until the wheels fall off” school of thought. If you can tell you’re nearing the end of the road with your current ride and you don’t want to wait until the wheels really do fall off to take action, there are some signs it’s time to do something you shouldn’t ignore. Read on →

You found the house of your dreams online, you know which realtor you want to work with, and the budget is there. It seems like everything is ready to go. Then you hit the mortgage process. Between all the paperwork and approvals, the communication we have to do with the federal government and other lending agencies, getting a home loan can be a time-consuming process. Fortunately, there are a few things you can do to speed it up. Read on →

The turn of the calendar is a time when we all look for ways to improve our lives, develop better habits and find ways to improve our outlook on the world. When it comes to financial resolutions you can make for 2021, for most people the best involve being better about saving for short- and long-term goals. Whether you want to build an emergency fund to help you cope better with the unexpected, work toward a goal of buying a house or new car, grow a college fund for your kids, or save for retirement, we can help. Read on →

While spring is the season when home sales really bloom, there’s no law that says you can’t move your property in winter. In fact, winter can be a wonderful time to sell your home because many people hold off listing their properties in the colder months. And there may be particular opportunity this year, with demand never flagging, despite the health and economic crisis gripping the nation, and home stock down. Read on →

Whether for your own children or those in your classroom, financial education is a crucial tool to give kids early to ensure they know how to handle money when they’re adults. That’s a skill many of us weren’t pushed to develop when we were young, but wish we had been. Fortunately, it’s easier than ever now to provide this important teaching thanks to modern technology. So, whether you want to give kids the ability to manage their own money when they’re older or just want to use financial lessons as a way to teach simple to complex math skills, here are some apps you may want to consider: Read on →

Being in the market for a car can be both exciting and nerve-wracking, and that’s especially true when you’re looking for a used car. Opting for a used vehicle, rather than a new one, can be a very smart move financially, since it can mean you save thousands by avoiding new-car depreciation. Still, all those stories you’ve probably heard from friends and family or seen on TV about people running into trouble buying used cars may have you nervous. Read on →

If banking with Cleveland Bradley County Teachers Federal Credit Union is your first experience with a credit union, one of the earliest questions you may have is, “What is a share account?” This type of account is not unique to CBCTFCU, but it is specific to credit unions like ours, so most of our shareholders are not familiar with them until they start working with us. The easiest comparison among the financial options most people are familiar with is to savings accounts at banks. Read on →

IRAs are among the most common retirement tools, providing financial security through individual and employer-connected accounts. They are an attractive option, with accounts that offer tax deferrals now or in retirement, and the possibility for significant annual returns. The bad news is many Americans don’t have nearly enough saved for retirement, and 15% of us have no retirement savings at all. The good news for you is you can get started with a CBCTFCU IRA today and take yourself out of one or both of those categories. Read on →

With fall settling into the Tennessee Valley and Halloween just around the corner, this is the perfect time for some seasonal crafts. Whether you’re with students in the classroom or passing them supplies for group projects conducted in a virtual setting, here are some ideas elementary students will love that only take a few supplies and a little effort. One thing in plentiful supply in fall is leaves. Put them to good use in this spooky craft that turns leaves into haunting, cheerful or goofy ghosts; it’s all up to the kids! Read on →

Buying a home can be a thrilling experience, but it can also be a very confusing one. There’s a tree’s worth of paper you have to read and sign, math you have to consider and more inscrutable acronyms than should be allowed under law. At Cleveland Bradley County Teachers Federal Credit Union, we work every day to help educators get the financing they need to buy the homes of their dreams while also ensuring they know what they’re getting into. Read on →