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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!
Creepy hands crawling out of swamp
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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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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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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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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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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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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Vacation on beach photo
That's a Whole Lot of...VALUE.
August 25, 2017
Has this ever happened to you? You see a friend or family member make a purchase and your skin starts to crawl. “You spent that much on a new sofa?” “Didn’t you just take a vacation?” What seems sooo nonsensical to you makes perfect sense to them. Or maybe you’re on the other side of the conversation and people question your decision making skills…
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Woman looking out window of bus, melancholy.
Advertising to Deadbeats?
August 1, 2017
We’ve recently had a number of members ask why our spring advertising seemed to target people with questionable credit. Are things that tough in the marketplace? Aren’t you asking for problems? Why go after people the banks try to avoid? These are all good questions, and as member-owners you have a right to know.
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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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Hope Signage at St. John's Gala Image
A Four Letter Word
August 01, 2017
HOPE. Go ahead, google it. Dictionary.com defines it as, "the feeling that what is wanted can be had or that events will turn out for the best." What we hope for may be a little bit different for every individual, but it’s pretty amazing that for each of us, we believe HOPE means getting better in some way, shape or form. But reality means that sometimes… it doesn’t get better.
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