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Financial Education Center
Get answers to common financial questions and dive deeper into topics like auto and student loans, mortgages, personal finances, and more.
Phishing and Pharming Scams: What to Watch For
These are two of the most common types of scams. Here a few tips to avoid being tricked into giving out your personal information.
Auto Loans
3 Signs You Should Refinance Your Car
Refinancing your auto loan can add up to big savings, but only if the time is right. Here are the three signs you should look for when considering an auto loan refinance.
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5 Reasons to Get Your Next Auto Loan from a Credit Union
Before making the decision to accept dealership financing, see how financing with a credit union could save you in the long run.
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Understanding Car Rebates and Incentives
Many dealers offer enticing deals on new cars, including 0% interest, rebates, and bonus cash. Learn how these incentives work so you can shop with confidence.
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How to Refinance Your Auto Loan
Refinancing an existing auto loan is simpler than you may think. We've broken down the steps to auto loan refinance so you know what to expect.
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The Perks of Financing Before Car Shopping
Getting ready to hit the car dealership? Applying for financing ahead of time could save you money in the long run. Learn how to get approved before you shop.
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When Is the Best Time to Buy a Car?
Learn about the best time of the year, month, and week to buy a car with these tips. You could save money on your next auto purchase.
Read ArticleCredit Cards
Store Cards: Are They Worth It?
It pays to evaluate credit card offers carefully before signing up for introductory offers. Avoid the pitfalls of store credit cards with these tips.
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Build Your Credit with Credit Cards
Building your credit and improving your score shouldn’t be complicated. Utilizing a Visa Credit Card from DCU can help you achieve your credit goals.
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Credit Cards for Everyday Spending
When and why should you use credit cards? And how can you use credit cards responsibly? Learn the basic guidelines for smart credit card use.
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Credit Cards: A Beginner’s Guide
New to credit cards? We explain the basics of credit cards — how to qualify, build credit, and spend responsibly.
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How Does a Balance Transfer Affect Your Credit Score?
If your credit card debt is overwhelming, a balance transfer can be a great way to help lighten the load. Learn how balance transfers work - and how they can impact your credit score.
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How to Use Mobile Wallets for Secure Shopping
Mobile wallets are gaining in popularity as a way to make secure, contactless payments. Follow our simple tips for getting started.
Read ArticleHome Equity
5 Smart Uses for a HELOC
A home equity line of credit (HELOC) can be a great way to fund a number of life events and financial situations. Learn how to use a HELOC to your advantage.
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HELOC or Home Equity Loan: What’s the Difference?
HELOCs and Home Equity Loans both provide an opportunity to access your home’s equity. But there are a few key differences that are worth exploring.
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Home Improvements With the Highest ROI
Thinking of using your HELOC for some home improvement projects? Use these ideas as a guide to help you get the most bang for your buck.
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How Does HELOC Utilization Affect Your Credit?
While your HELOC utilization can be reported to the credit bureaus, you can maintain or even increase your score by making timely payments.
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Using Your HELOC for Energy Efficient Upgrades
Energy efficiency upgrades are a great way to use your HELOC and increase the value of your home. Consider some of these green (and highly desired) updates.
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When Not to Use a HELOC
Because of its versatility, you may be tempted to utilize your HELOC for things you probably shouldn’t. Learn some common examples of when NOT to use a HELOC.
Read ArticleHome Mortgage Loans
How Important Are Mortgage Rates?
Interest rates are an important consideration when buying a home. Learn how interest rates impact mortgage payments—and how to assess the total cost of a mortgage.
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How Much Home Can You Afford?
Buying a home may be one of the most expensive purchases you’ll make so it’s important to carefully consider your budget.
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How Much Do I Need for Closing Costs?
How much money will you need to pay at closing? Closing costs are the expenses and fees required to complete a real estate transaction and finalize a mortgage.
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How to Make a Competitive Offer in a Seller’s Market
Are you ready to make an offer on a home in today’s competitive market? Learn how to create a strong offer to stand out from the crowd.
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Items Needed to Apply for a Mortgage
Ready to apply for a mortgage? Take the guesswork out of preparation and know what to expect with our application checklist.
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Your Debt-to-Income Ratio and Why It Matters
Understanding your debt-to-income ratio and how to calculate it will help you set a budget for buying a home.
Read ArticleMortgage Refinance
Mortgage Refinancing 101
Looking to free up some money each month? Could refinancing your house help? Learn the basics of mortgage refinance and how to determine if it's right for you.
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Refinancing a Mortgage: How It Works
Thinking of refinancing your mortgage? Learn how the process works, when it makes financial sense, and what costs you can expect.
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What is a Cash-Out Refinance?
The equity in your home can be leveraged into cash through a cash-out refinance. We explain how cash-out refinancing works and when it makes financial sense.
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Why Refinance with A Credit Union?
Refinancing your home mortgage with a credit union offers some unique advantages. Find out why refinancing with a credit union like DCU could be a smart move.
Read ArticlePersonal Loans
Credit Cards vs. Personal Loans: What’s Right for You?
Sometimes you need to borrow money to ride out a financial emergency. See how credit cards and personal loans compare as flexible financing options.
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How to Get a Personal Loan
Interested in taking out a personal loan, but not sure where to start? We've broken down the steps to getting a personal loan so you know what to expect.
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Top 10 Questions About Personal Loans
Personal loans can be used for just about anything - but how exactly do they work? We've answered 10 of the most common questions around personal loans.
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When Is a Personal Loan a Good Idea?
Personal loans are a flexible solution when you need money for just about anything. But when does it make good financial sense to use a personal loan?
Read ArticleStudent Loans
Fixed vs. Variable Rate Student Loans
When searching for private student loans, you may find some lenders offer both a fixed and a variable rate option. What does this mean, and what are the pros and cons of each?
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How to Reduce Student Loan Payments in Times of Crisis
In times of crisis, many people have problems paying their expenses, including their monthly student loan payments. So, what are your options if you need help?
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Ways to Pay for College-How to Fill the Funding Gap
You may know that college is your future plans, but the financial aspects of that journey may be less certain. Explore some of your college budgeting options.
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What Types of Student Loans are There?
As you consider your options, it is important to understand the full range of loan alternatives. Here are the main types of loans you need to know about.
Read ArticleFraud/Security
What is Social Engineering?
One of the biggest risks to our collective financial security is ourselves. It’s far easier to trick a human than it is a computer, and there’s no anti-virus software to protect you other than knowledge.
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Complete Guide to Impersonation Scams & How to Avoid Them
Follow this guide to learn how to protect your financial data and other sensitive information, to help avoid being spoofed or falling for impersonation scams.
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Why Keep Your Devices & Web Browsers Up To Date
Intro: Keeping your devices and web browsers updated is essential to protecting you against fraudulent activity and theft of sensitive financial information.
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Phishing and Pharming Scams: What to Watch For
Phishing and pharming are two common types of scams, intended to manipulate individuals into providing confidential information for fraudulent purposes. Here’s some tips on how to spot them.
Read ArticleBudgeting/Saving
5 Hidden Account Fees and How to Avoid Them
If you're not watching closely, bank fees can really add up. Learn about 5 surprisingly common fees and how to avoid them.
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Earn More with Your Checking Account
Are you making the most of your checking account? Understanding how your checking account works and maximizing the benefits can help you reach your financial goals faster.
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High-Yield Checking vs. High-Yield Savings
When it comes to earning interest, high-yield accounts are a great choice. But which is best for you - checking or savings?
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The Secret to Saving: Track Your Spending
With bills and unexpected expenses, saving for the future can be tough. But don't worry, we have a simple way to help you save more.
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“Extra” Paycheck? Here’s What To Do With It
Have you ever heard of an extra paycheck month? Find out when you may receive an additional paycheck and get tips for spending and saving.
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4 Smart Steps to Manage Subscription Spending
Trying to save some extra money? Consider reviewing how much you spend on subscription services in order to cut some unnecessary spending out of your monthly budget.
Read ArticleCollege Planning
Appealing Your Award Letter
How do you request additional financial aid to cover your college costs? Here are the steps you can take to file a financial aid appeal.
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Do I have to Pay Back Financial Aid?
Depending upon the type and source of financial aid, you may actually have to pay it back. Learn about the different types of aid, and if and when it would need to be paid back.
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Do's & Don'ts of Student Loans
As a student, it’s important to look at as many sides as possible before taking on new debt so that you can make the best decision for yourself and your future.
Read ArticleAdditional Resources
Financial education is a key to helping our members achieve their financial goals collaboratively. That's why we provide opportunities for members to learn how to get the most from their money. In addition to educational articles on our website, we offer members access to resources through trusted partners.
EVERFI Program
Short, interactive learning modules on planning, saving, and borrowing to help you build your financial skills.
Balance Program
A free service by phone or online to provide members with confidential, no-cost financial counseling and education services.
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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