Search Results | Virginia Credit Union

Showing 90 results for 'pay loan'

8 Ways to Improve Your Credit Score
https://www.vacu.org/learn/your-credit/your-credit-report/8-ways-to-improve-your-credit-score
… what each section of the credit report means. 2. Find and pay delinquent payments. Once you have your credit report in … delinquent payments are listed. Call each collector, and pay off the bill. 3. Pay your bills on time , especially mortgage or rent …
What Are Closing Costs?
https://www.vacu.org/learn/your-home/home-buying/what-are-closing-costs
… fee - A fee that covers the costs of making the loan. It may be expressed as a percentage of the loan. … equal to 1 percent of the loan amount. The more points you pay, the lower the interest rate on the loan, and vice versa. … money from your lender. You will probably have to pay the interest on the mortgage from the closing date to the …
Mortgage Documents Checklist
https://www.vacu.org/learn/your-home/mortgages/mortgage-documents-checklist
… or need assistance, please talk to one of our mortgage loan officers . Income documentation: Copies of your W-2 forms for the past 2 years Pay stub(s) for the last 30 days, showing year-to-date and … for the down payment: Copy of gift letter (mortgage loan officer will provide a form to you) Proof of the donor’s …
What's a Credit Score and How Can You Improve Yours?
https://www.vacu.org/learn/your-credit/your-credit-report/whats-a-credit-score-and-how-can-you-improve-yours
… for loans, so if you hope to mortgage a house, get a car loan, or even finance a new couch one day, you’ll want to … payments, get current and stay current. The longer you pay your bills on time, the better your score. Amounts owed … balances should be 30% or less of your available credit. Pay off debt rather than moving it around. Pay more than the …
Home Improvements that Pay Off
https://www.vacu.org/learn/your-home/home-buying/home-improvements-that-pay-off
… Home Improvements that Pay Off Once you have a home, the home improvement projects … gets done first? On top of that, what improvements will pay off if you're looking to sell your home? Before you take … those lines, consider financing it with a home equity loan or line of credit ( HELOC .) Not every improvement has …
Economics and Personal Finance: Resources for Students
https://www.vacu.org/learn/financial-education/teens/economics-and-personal-finance-resources-for-students
… loans for? What do you need to know when applying for a loan? All About Loans Worksheet Part 3: All About … About Debt Nobody likes debt, but how do you manage it, pay it down, and get out from under it? All About Debt …
Webinar: Paying for College
https://www.vacu.org/learn/life-events/saving-for-college/webinar-paying-for-college
… through money you have saved, money you don’t need to pay back (grants and scholarships), or money you do (loans). …
How to Build an Emergency Fund
https://www.vacu.org/learn/financial-management/saving-and-investing/how-to-build-an-emergency-fund
… money to cover at least three times your monthly net pay, and six times, if at all possible. We get it. Accumulating six months’ worth of your net pay can seem pretty daunting. But you don’t need to do it all … you make as soon as possible. Think of it as taking a loan from yourself. As soon as you are able, you should pay …
Car Loan Monthly Payment Calculator
https://www.vacu.org/learn/financial-management/budgeting/car-loan-monthly-payment-calculator
… Car Loan Monthly Payment Calculator Put car buying on cruise control. Calculate your potential monthly loan payment and explore different scenarios. ? Our … you’re actually paying for and what to look out for. … Car Loan Monthly Payment Calculator …
7 Things Your Teenager Needs to Learn About Money
https://www.vacu.org/learn/financial-management/managing-your-money/7-things-your-teenager-needs-to-learn-about-money
… and calculating the percentage of your family’s take-home pay that goes to rent or mortgage. What about a car payment? … Consider introducing the concept by making a small loan to your child for something he or she wants, and adding … pays it back in $10 payments, it will take 11 payments to pay off the debt at 10% interest. ($100 + 10% = $110 divided …
Insurance
https://www.vacu.org/services/insurance
… you with affordable coverage and bring you peace of mind. Loan Payment Protection Protect your loan with Credit Life and Credit Disability Insurance that may reduce or pay off your loan if you become unable to do so. ? Learn more …
Is 0% Financing the Best Deal?
https://www.vacu.org/learn/your-car/car-financing/is-0-financing-the-best-deal
… are usually eligible. Credit blemishes could mean a higher loan rate. There may be strings attached to the deal such as: … union could be a better deal. For example: 60-month car loan Dealer financing 0% APR Credit union financing 4.99% APR … paid over 60 months + $0 + $1,412.81 Total amount you'll pay $20,000 $18,412.81 Total savings --- $1,587.19 Estimated …
9 Steps to Smarter Car Buying
https://www.vacu.org/learn/your-car/car-buying/9-steps-to-smarter-car-buying
… Should you buy new or used? What make or model? Will you pay cash or finance your purchase? What will your loan rate and term be? The most important tip for anyone … more challenging, like chauffeuring your children? Pay special attention to the safety and reliability ratings. …
Borrowing Affordability Calculator
https://www.vacu.org/learn/your-credit/debt-management/borrowing-affordability-calculator
… more about loans Related Resources See More Resources Loan Payoff Calculator Find the best way to pay off your loan with our Loan Payoff Calculator. Explore different …
Payroll Deduction
https://www.vacu.org/help/checking-and-savings/payroll-deduction
… Deduction Have money automatically deducted from your pay for credit union deposits. If your employer participates … in this service, you can have part or all of your pay sent to your various credit union accounts. Payroll … office when you can expect your deduction to begin. My loan has been paid off. Why does the payroll deduction …
10 Tips for Saving Money
https://www.vacu.org/learn/financial-management/saving-and-investing/10-tips-for-saving-money
… have been an impulse buy. Avoid using credit cards to pay your bills, if possible. While it may feel easier to … expenses, like gifts around the holidays, because we don’t pay for them every month. When you build a budget, be sure to … since your vehicle or home purchase, refinancing your auto loan or refinancing your mortgage into a lower rate can offer …
How to Save for a Down Payment
https://www.vacu.org/learn/your-home/home-buying/how-to-save-for-a-down-payment
… in an automatic savings plan and having a portion of your pay automatically transferred into savings. Reduce other … of buying a home. Use gifts from family members. Some loan programs allow borrowers to use gift money to make down … your strength as a borrower and your ability to repay the loan. Know your options. Virginia Credit Union partners with …
6 Things You Need to Know About Balance Transfers
https://www.vacu.org/learn/your-credit/credit-management/6-things-you-need-to-know-about-balance-transfers
… are the interest rates? If I consolidate my debt, could I pay off the full balance at a lower interest rate within the … for other major financing (say, a first mortgage or car loan) soon. 2. Consider the advantages of a balance transfer … The interest savings from a lower rate The opportunity to pay off debt The ability to consolidate debt The perks of a …
Contact Us
https://www.vacu.org/contact-us/general
… Mortgages Credit Cards Debit Cards Online Banking & Bill Pay Collections & Recovery General Contact Call: … Balances and other Inquiries Account Transfers Loan and credit card payments Withdrawals by check Other … Union P.O. Box 90010 Richmond, VA 23225-9010 For deposits, loan payments and all other stamped mail sent through the …
Reducing College Costs
https://www.vacu.org/learn/life-events/saving-for-college/reducing-college-costs
… Look into student loans . Remember, you'll have to pay back the money you borrow. Consider living at home . The … of tuition costs. Get tuition assistance. If you can’t pay for college right now, work for a company that offers …