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Capital Off the Cuff

Things you actually want to read.
That's all we plan to put out here. Educational, informational, slightly silly...but always completely honest content that's relevant. New posts will be showing up regularly, so don't forget to check back!
Seeking human kindness
Through the Lens of Privilege

April 16, 2018

I sit here writing humbled, and frankly embarrassed, that I’ve been blind to this problem right here in my own community for so long. I never really thought about what it would be like to not have a place to live, to not know where my next meal was coming from, or to have the flu and be sleeping under a bridge. I’ve stereotyped people facing hard times to feel better about ignoring them, because it’s easier to pretend the problem doesn’t exist.

Now, I can tell you I think differently...
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Dog with frisbee
House Woof Home
March 23, 2018

Fun fact – 33% of Millennial home buyers said their home buying decision was influenced by their dog or the desire to own a dog. 33%! So let me ask you…what would influence your next home purchase?

SPOILER ALERT: This post contains multiple adorable pictures.

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Man in front of pink wall with off the cuff logo
Paint it Pink!
February 12, 2018

We’ve all heard people say something along the lines of, “Valentine’s Day is just a Hallmark holiday. Love should be celebrated the whole year, not just one day!” In a relationship, you expect your significant other to be loyal and committed to you the whole year, not just on Valentine’s Day, right? Well, your financial should also care about you all year round, not just on the day you take advantage of a promotion and open your checking account.

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Hungover man clutching his mug of coffee like a lifeline
Avoiding the Holiday Hangover
November 28, 2017

Ah, the holiday season. As soon as Thanksgiving ends you can’t go anywhere without hearing the familiar sound of classic carols and smelling a faint pine scent wafting from some undisclosed location. Is it a pine scented candle, or is it a real pine tree? Nobody knows and nobody cares. Because it’s Christmas time. And that means this is all perfectly normal and magical... 

Until you check out the aftermath in your account when the holidays are over.

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Pile of suckers on a table
If you want grape, ask for it.
January 4, 2018

I always felt a little giddy when Mom would load us up in the car for our weekly visit to the credit union. Because there, waiting for me on the teller line, were free suckers of every flavor. Everyone gets why kids are looking for the suckers, but when I started working at the credit union I realized just how important those delicious treats were to our adult members too...

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The Credit Card Monster Doesn't Exist
January 23, 2018

For years I had a credit card but never used it because I was scared of digging a hole I couldn’t get out of. Fast forward a few years and I started working at a credit union, where I learned that having a credit card helps build your credit, but actually using it helps more...and you can get around paying any interest at all.

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heart candies that read, "I love you ... Send me money"
You Might be Getting Catfished 
September 8, 2017
If you don’t know what it means to be catfished, then you’ve probably never had it happen to you - which is good news. It might not sound like something that happens in this area, but Capital sees this happening to members more often than we would like. (Ideally, it wouldn’t happen to ANYONE. Let’s just make that clear.
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Girl wearing sweatpants with red Converse
Sweatpants Welcome
October 2, 2017
Who knows where it started, but there’s a misconception that putting on a suit will make you more likely to get a loan. Does that really make the loan officer think, “Would you look at that suit! They’ll obviously pay us back. Let’s get that loan paperwork going.” Nope. Not really how that works, or at least not here.
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Woman holding a coffee mug that says
Who's Really In Charge When You Apply for a Loan?
August 1, 2017
See if this doesn’t sounds like a typical scenario:  You contact a bank or credit union and “ask” them for a loan. Then, if you have average/good credit they call you back and let you know (out of the goodness of their hearts, of course) that your request has been approved. They then go on to explain the terms and conditions under which the approval is based. They’re very nice about it, and everything is cool, right?
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Trees in forest with spray painted question marks
No Stupid Questions, No Stupid Answers
November 7, 2017

You and I would probably agree that no one can be an expert at everything in the world, and everyone looks to an expert for help or advice at some point in their lives. Yeah, you could turn to Google for an answer, and the internet is great for finding information…but sometimes it’s just nice to have a conversation with someone who can answer your questions as they come, isn’t it?

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