Financial Wellness Blog

Welcome to our Financial Wellness Blog - dedicated to highlighting financial information that's useful to everyone. We've also included a Community Spotlight to promote volunteer organizations in our hometowns - Carmel, Dunkirk, Fishers, Hartford City, Knightstown, Montpelier, New Castle, Pendleton, Rushville, and Union City. If you'd like to submit an article for a non-profit, please read this or email Leah Driver. Thank you!

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How are interest rates determined?

November 24, 2021

Imagine two people - Jane and Bill - apply to borrow the same amount of money. They have similar incomes and debt, but Jane receives a lower interest rate. more

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Building Your Credit

October 25, 2021 | Leah Driver

We know how important a good credit score is, but if you've never had credit before, how are you supposed to get started? There are several good options for building your credit. The "best" one depends on your future goals and current more

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Freezing Your Credit

November 4, 2020

A “credit freeze” is fairly self-explanatory – it prevents national credit bureaus from providing your credit more

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What does it mean to cosign a loan?

March 5, 2020

"Cosigning a loan" is a phrase we often hear, but might not fully understand. Simply put, if you cosign a loan, you're agreeing to make payments - or even pay the debt in full - if the person you're signing with more

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The 5 Cs of Credit

December 3, 2019 | Leah Driver

While every bank has their own lending "formula," almost all use some form of The 5 C's of Credit as a basic guideline to evaluate a potential borrower. Business owners, more

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Recognizing Bad Financial Habits

October 1, 2019

Everyone has room for improvement when it comes to their financial habits. Many, if not most, of us more

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What is a Mortgage Review?

July 2, 2019

When you applied for your mortgage, you probably did some homework to make sure you got the best deal. But do you know if that loan is still the best fit for you? more

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Good Credit is Key to Solid Financial Future

April 28, 2019

Remember it's easier to build a credit score than to repair a bad more

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Home Buying Journal

March 21, 2019 | Leah Driver

As someone who writes blog articles and works for a bank, I thought I’d share my home buying experience. So, here goes… more

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Credit Card "Rules" for Success

February 28, 2019

There are many advantages to using a credit card. Here are a few things you should keep in mind to maximize the more

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What Factors Determine Your Credit Score?

June 1, 2018

We’re reminded daily that our credit score is important, but what factors determine your score? What steps raise, or lower, your score? While the exact formulas aren’t shared by the credit reporting agencies, the factors that are used to determine your score more

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Establishing Your Credit

May 1, 2018

Even though you may not fully understand what it is, you know your credit score is important. It’s used by lenders, employers, and others to assess how you manage your financial responsibilities. But if you’re just getting started, how do you establish credit? more