There are many reasons refinancing your vehicle loan is a good idea. See if any of these apply to you. If you didn’t shop around originally If you didn’t shop around when you purchased your vehicle, you may not have gotten the best rate. Lowering your rate could lower your monthly payment and could reduce…
New Year’s resolutions help keep people motivated to stick to their new-year goals. And if you’re looking to kick-start your savings this year, try the 52-week savings resolution. Just think, by the end of the year, you could have nearly $1,500 stashed away. What you do with the money accrued from this savings is up…
Timing is everything, and that is especially true when purchasing a house. Whether you’re waiting for the right home or applying for a mortgage, there are many time-sensitive processes to follow to ensure you can get the home and the financing you want. It may seem like there’s a lot of hurry up and wait…
‘Tis the season for scams. This Christmas season, be on the lookout for scams and fraud. The Christmas season is the busiest shopping part of the year, and scammers are in full swing waiting to take advantage. As many retailers begin their Christmas sale specials, scammers are ready with fraudulent websites and social media campaigns,…
The holidays are a time when it’s tempting – and easy – to toss your budget out the window and splurge on your friends and family. After all, it’s the season of giving. And often, giving the perfect gift is just as fun as receiving a gift. However, with proper planning, you can stay on…
How to Take Advantage of the Equity in Your Home The equity in your house is one of the most valuable tools you have as a homeowner. It can increase over time, and it can be used to access money in the form of a loan or a line of credit that can pay for…
Now is the time to be on the lookout for Social Security scammers. Those who receive Social Security benefits don’t have to do anything to receive the increase. The increases will happen automatically. However, scammers will try to take advantage of those who are unaware that their increase will happen automatically. These tips from the…
Spoof websites can lure unsuspecting people into giving away their information without knowing that they’re doing it. A spoof website will try to make itself look almost exactly like the website it is trying to spoof, hoping a person will enter their personal information or username and password. Once a scammer’s fake, but legitimate-looking website…
Get a mortgage prequalification before you start home shopping If you’re shopping for a home, the first step you should take is to get prequalified for your mortgage. Buying a home can be daunting, especially for first-time homebuyers. But having a roadmap can make the process easier. And that’s where a mortgage prequalification comes in….
What to Know: Rural Development Program Does buying a home feel out of reach because you think you haven’t saved up a down payment? Take a look at the U.S. Department of Agriculture Rural Development Loan (RD loan or USDA loan), which may provide up to 100 percent financing for qualified households purchasing homes in…
Phishing is fraudulent scheme that scammers use to obtain personal information, such as account numbers, passwords, and banking information. Scammers take this information to access important accounts, commit identity theft or steal from bank accounts. Phishing is usually done through scam email or text messages, and over 150 million scams are sent globally per day….
How to Buy a Second Home If you visit the lake regularly or love the idea of having a home away from home, it may be worth it to invest in a second home. With mortgage rates still near historic lows, now may be the time to buy property in your favorite vacation or travel…
If you receive a call or text from RCB Bank requesting information of any kind, hang up and call your local branch or a verified RCB Bank phone number.
The Bank will be closed on Monday, October 12th in honor of Columbus Day & Indigenous Peoples’ Day. Click here for a list of all holiday closings.