Consumers ConnectU

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Should I Get a Credit Card?

"Credit cards. You may have the belief they can tempt you to overspend and hurt your credit," says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. But "when managed properly, credit cards are actually beneficial for your finances." Read More

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How Do I Pay Off Credit Card Debt?

What should you do if you accumulated credit card debt in your past? You may be feeling stuck. "You can pay it off," says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. "Don't be afraid to ask questions and learn if consolidation Read More

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Understanding Debit Card Holds

Debit card holds are one of our most asked about topics. "A hold shows that you ran your card for a transaction that hasn't yet posted to the account. Often this is the same amount as your transaction, but sometimes it isn't," shares Tim Kosak, Read More

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Debit vs. Credit

Have you ever been checking out at the store with your debit card and been given the choice of debit or credit? "Even though your debit card is not a credit card—because it's connected to your checking account—you can select either," says Tim Kosak, Read More

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What Are My Retirement Savings Options?

401(k)s. IRAs. At first glance, comparing your retirement savings options seems to require decoding an alphabet soup! "Let's break down your retirement savings options to the basics," says Tim Kosak, Consumer Lending Manager at Consumers Credit Read More

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How Do I Manage My Credit Card?

"Properly managing your credit card is essential to building your credit history and staying within your budget," says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. But how do you do it? Listen for tips from our own successful Read More

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How Do I Choose a Credit Card?

When managed properly, credit cards are a useful financial tool, helping you to build credit. But with so many credit cards available, how do you decide which one's right for you? "Know the facts before you sign for a new credit card," says Tim Read More

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How to Pay for Car Repairs

Unfortunately, you're not done spending your money when you buy the car. How will you pay for maintenance and repairs? "You have several options for paying for repairs," says Tim Kosak, Consumer Lending Manager at Consumers Credit Union. Listen to Read More

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How Much Car Can I Afford?

When you're ready to buy a car and think you've found the one for you, how do you know you can afford it? "Don't forget to include the costs of insurance, gas, and repairs in your calculations. Some cars simply cost more to own," says Tim Kosak, Read More

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Should I Lease or Buy My Next Car?

When you're looking for a new vehicle, you want to evaluate all of your options. You may wonder whether buying or leasing is better for your situation. "Both can have their benefits and pitfalls," says Tim Kosak, Consumer Lending Manager at Consumers Read More