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# Choice One Community Credit Union

## Posts

- [The Complete NEPA Home Buyer's Guide: From Renting to Your Front Door](https://choiceone.org/nepa-home-buyers-guide/) - Buying a home in NEPA? Our step-by-step guide walks you from budget to keys. Mortgages, down payments, and PHFA help for Luzerne, Lackawanna & Wyoming buyers.
- [Home Equity Loan vs. HELOC: Which Is the Right Choice for You?](https://choiceone.org/home-equity-loan-vs-heloc/) - For NEPA homeowners with equity, learn the differences between home equity loans and HELOCs to choose the best option for your financial needs.
- [A NEPA Homeowner's Guide to Energy Efficiency Upgrades That Actually Pay Off](https://choiceone.org/a-nepa-homeowners-guide-to-energy-efficiency-upgrades-that-actually-pay-off/) - Discover which energy efficiency upgrades actually pay off for NEPA homeowners. From insulation and windows to heating systems, learn how to cut costs and finance improvements with Choice One.
- [How to Use Home Equity to Invest in Your NEPA Home](https://choiceone.org/how-to-use-home-equity-to-invest-in-your-nepa-home/) - NEPA's older homes have charm, but often need work. Learn how to use home equity strategically for renovations that matter most, from a credit union that knows local homes.
- [Auto Loan & Refinancing Tips That Save Real Money](https://choiceone.org/auto-loan-refinancing-tips-that-save-real-money/) - Buying a car or refinancing your auto loan? Choice One Community Credit Union shares practical tips to help get the best rate and potentially save thousands over the life of your loan.
- [7 Credit Score Tips That Actually Work in 2026](https://choiceone.org/credit-score-tips-that-work/) - Protect and improve your credit score with practical strategies from Choice One Community Federal Credit Union. Learn what impacts your score and how to stay ahead.
- [Don't Get Duped: 10 Tips for Avoiding Tax Scams in 2026](https://choiceone.org/10-tips-for-avoiding-tax-scams-in-2026/) - Avoiding tax scams is essential. Read our 10 crucial tips to avoid scams, from phishing and fake IRS calls to shady tax preparers. Safeguard your finances now.
- [Fraud Alert: 7 Scams Hitting NEPA in 2026 and How to Shut Them Down](https://choiceone.org/fraud-alert-7-scams-hitting-nepa-in-2026-and-how-to-shut-them-down/) - Protect yourself from the latest fraud and scam tactics hitting Northeast PA. Choice One Community Credit Union breaks down the schemes and provides tips to help stay safe.
- [Save Big: Auto Loan Refinance to Slash Interest Costs](https://choiceone.org/save-big-auto-loan-refinance/) - Auto loan refinance can be a smart decision for many reasons, including saving on interest over the life of your loan. Learn if auto loan refi is right for you.
- [Consider ALL the Costs of a Home Equity Loan](https://choiceone.org/consider-all-the-costs-of-a-home-equity-loan/) - More than just rates should be considered when contemplating a home equity loan.The costs of a home equity loan could impact the total amount you pay.
- [How to Refinance a Home Equity Loan](https://choiceone.org/how-to-refinance-a-home-equity-loan/) - If you have a home equity loan rate higher than those currently being advertised, you're not stuck. Learn more about seven tips for refinancing a home equity loan.
- [Closing Costs Involved in a Home Equity Loan](https://choiceone.org/what-are-the-closing-costs-involved-in-a-home-equity-loan/) - Home equity loans allow you to borrow money using the equity in your home as collateral. A home equity loan can have similar closing costs and fees as a mortgage. Closing costs include fees and other money due on the day you sign the paperwork and close the loan. It’s important to be prepared for Closing costs include fees due on the day you close the loan. They can typically total about 2% to 6% of the loan amount and may vary from lender to lender.
- [Guide to Debt Consolidation](https://choiceone.org/guide-to-debt-consolidation/) - Debt consolidation can be a good strategy to help reduce your overall debt. If you can secure a lower rate than you are currently paying, you can save substantially on interest over time. Consolidating multiple debt payments into one easier-to-manage payment can also help you to pay off debt faster and more efficiently. A good Debt consolidation can be a smart move to consolidate high-interest debt balances into one easier to manage payment. A lower interest rate can help you save.
- [2022’s Hottest Home Improvement Trends](https://choiceone.org/2022s-hottest-home-improvement-trends/) - The most popular home improvement trends are all about functionality, comfort, and first impressions. Home improvement spending is at an all-time high and it continues to be a top priority for many homeowners. In fact, the Joint Center for Housing Studies at Harvard University says spending on home improvements and repairs is expected to expand The hottest home improvement trends this year will not only make your home more functional but can also increase aesthetic appeal and comfort.
- [Smart Saving Tactics: How to Build an Emergency Fund](https://choiceone.org/how-to-build-an-emergency-fund/) - Learn 12 easy to implement tactics for proactively building an adequate emergency fund to help pay for unexpected expenses and provide greater peace of mind.
- [Spend Less, Live More: Cost-Cutting Hacks That Keep Life Comfortable](https://choiceone.org/cost-cutting-hacks-that-keep-life-comfortable/) - Discover 12 easy to implement cost-cutting hacks that will provide smart, stress-free ways to save save money in your budget without cramping your lifestyle.
- [Debt Detox: Consolidating Debt to Clear Mental Clutter](https://choiceone.org/debt-detox-consolidating-debt/) - Consolidating debt through a balance transfer credit card or personal loan can provide the stress relief you need to focus more clearly on your financial well-being.
- [No More House-Poor: Guide to Maximum Sustainable Mortgage Payment](https://choiceone.org/guide-to-maximum-sustainable-mortgage-payment/) - Calculate your true maximum sustainable mortgage payment, blending DTI ratios, hidden fees like HOA/PMI, and custom buffers for maintenance and lifestyle perks.
- [Pig Butchering Scams: How to Protect Yourself](https://choiceone.org/pig-butchering-scams/) - Wrong-number text turned “investment tip”? Learn the signs of pig butchering scams and gain insight into how to better protect your money.
- [Panic is Not a Strategy: Mindful Investing in a Volatile Market](https://choiceone.org/mindful-investing-in-a-volatile-market/) - Mindful investing can help prevent panicking during volatile market conditions. Understanding volatility and how to cope may prevent making financial mistakes.
- [3 Ways to Consolidate Credit Card Debt](https://choiceone.org/3-ways-to-consolidate-credit-card-debt/) - If you're battling high-interest rates and large balances on multiple credit cards, it might be time to consolidate credit card debt. Debt consolidation is taking out another form of credit, potentially at a lower rate, to pay off your existing high-interest credit card balances, leaving you with a single, easier-to-manage monthly payment. It all begins If you're one of the many people struggling with high-interest credit card balances, we have three ways to help you consolidate credit card debt and save.
- [Credit Card Best Practices](https://choiceone.org/credit-card-best-practices/) - Credit cards can be helpful. Unfortunately, they can also be a debt trap. Avoid high-interest credit card debt by using our credit card best practices.
- [Reward Yourself with Credit Card Points](https://choiceone.org/reward-yourself-with-credit-card-points/) - The overwhelming number of credit cards out there can make it difficult to choose the best card with credit card points. So, allow us to make it easier.
- [Using a Home Equity Loan for Debt Consolidation](https://choiceone.org/using-a-home-equity-loan-for-debt-consolidation/) - Learn if using a low-interest home equity loan for debt consolidation can help you get on the path to financial freedom. Read the many pros, the cons and steps.
- [Unlocking the Potential: Top Projects Financed by Home Equity Loans](https://choiceone.org/projects-financed-by-home-equity-loans/) - The projects financed by home equity loans can vary greatly, from home improvements to education and business ventures. All can enable you to accomplish goals.
- [The Fallout of a Data Breach: Tips to Shield Your Finances](https://choiceone.org/the-fallout-of-a-data-breach/) - There are several actionable and affective steps that can help you protect yourself in the event of a data breach. Knowledge is key to protecting your finances.
- [The Loan You’re Probably Overlooking: Why Home Equity Could Be Your Smartest Move Yet](https://choiceone.org/why-home-equity-could-be-your-smartest-move-yet/) - Have you been ignoring the value and borrowing power of a home equity loan when it comes to helping you accomplish your goals, consolidate debt, and much more?
- [Safe Surfing for Kids: A Parent's Guide to Online Protection in a Digital World](https://choiceone.org/a-parents-guide-to-online-protection-in-a-digital-world/) - Our parent's guide to kids online safety explores the many risk factors for children online, as well as providing various tips for each age group for safety.
- [Evil Twin Wi-Fi Scams: Who's Lurking Behind Free Internet](https://choiceone.org/evil-twin-wi-fi-scams/) - Learn the dangers of an Evil Twin Wi-Fi scam, a cyberattack where a scammer sets up a fake Wi-Fi network in a public place that looks just like the real thing.
- [Swipe Left on Bad Banking: Find Your Perfect Financial Match](https://choiceone.org/swipe-left-on-bad-banking/) - Learning to swipe left on bad banking can help you get out of a frustrating banking relationship and into a better match with your local credit union.
- [Fire Safety Tips for Pet Owners](https://choiceone.org/fire-safety-tips-for-pet-owners/) - In the event of a house fire, here are some tips to better prepare you and help ensure you and your pets get out of your burning home safely.
- [Stop and Verify: How the FBI's "Take a Beat" Campaign Helps Prevent Fraud](https://choiceone.org/take-a-beat-campaign-helps-prevent-fraud/) - Scammers thrive on creating a sense of urgency. Pausing to think clearly when pressured to act fast can help you to prevent fraud and falling victim to a scam.
- [Auto Loan vs. Lease: What's the Right Option for You?](https://choiceone.org/auto-loan-vs-lease-whats-the-right-option-for-you/) - Confused about whether to take out an auto loan or lease a car? Learn the key differences and make an informed decision that suits your needs and budget.
- [Who’s Most at Risk for Check Scams? Don’t Be the Next Victim!](https://choiceone.org/whos-most-at-risk-for-check-scams/) - Don't let check scammers steal your hard-earned money. Empower yourself with knowledge on who's targeted and how to spot fraud.
- [Reducing Tax Season Stress: A Step-By-Step Guide](https://choiceone.org/reducing-tax-season-stress-a-step-by-step-guide/) - Reducing tax season stress is easy with our 6 step guide providing tips for tax filing checklists, time allotment, leveraging technology and professional help.
- [AI Phishing: Don't Let Scammers Derail Your Financial Goals](https://choiceone.org/ai-phishing-dont-let-scammers-derail-your-financial-goals/) - Artificial intelligence is making phishing scams more convincing than ever. Learn tips to protect your finances from these evolving threats.
- [Budgeting 2.0: How AI is Revolutionizing the Way We Manage Money](https://choiceone.org/budgeting-2-0-how-ai-is-revolutionizing-the-way-we-manage-money/) - Tired of tedious budgeting? AI can help! Explore how AI simplifies money management, automates savings, and provides personalized insights to achieve your financial goals.
- [Holiday Hustle: Budget-Friendly Tips for Last-Minute Shoppers](https://choiceone.org/budget-friendly-tips-for-last-minute-shoppers/) - Stay stress-free and wallet-friendly with our 11 budget-savvy tips for thoughtful holiday gifts.
- [Stay Scam-Savvy: A Guide to Safe Holiday Shopping](https://choiceone.org/a-guide-to-safe-holiday-shopping/) - Learn how to spot scams like fake websites, phishing emails, and bogus deals. Protect your finances and enjoy a worry-free festive season with our expert guidance.
- [Investing or Deceiving? Unmasking Crypto Scams as a Leading Fraud Trend](https://choiceone.org/unmasking-crypto-scams/) - Billions of dollars are lost in crypto scams each year. Scammers often target those looking to invest in the "next big thing" with crypto ponzi scams and more.
- [Stop Ghosting Your Finances: Confronting the Money Issues You Ignore](https://choiceone.org/confronting-the-money-issues-you-ignore/) - Confronting the money issues you ignore can mean the difference between financial success and failure. Read our five tips to help you evaluate your finances.
- [Navigating a Fed Rate Cut: Steps to Stay Ahead](https://choiceone.org/navigating-a-fed-rate-cut/) - From lower loan rates to changes in your savings account interest, understanding how a Fed rate cut works is key to navigating these financial shifts.
- [Seize the Moment: Prepare for Home Buying as Interest Rates Drop](https://choiceone.org/prepare-for-home-buying-as-interest-rates-drop/) - Our detailed tips will help you better prepare for home buying as interest rates drop. The home buying market is bound to heat up, and we want you to be ready.
- [Understanding the Consequences of a Major Data Breach](https://choiceone.org/consequences-of-a-major-data-breach/) - The consequences of a major data breach can be devastating on affected consumers. Learn the many risks of a data breach and the tips that can help protect you.
- [From Fake Deals to Phishing: 3 Back-to-School Scams to Watch Out For](https://choiceone.org/3-back-to-school-scams-to-watch-out-for/) - Back-to-school scams can take many forms, from fake deals on hot items to phishing emails and copycat websites. Knowing what to watch for is your best defense.
- [Protect Your Wallet from Fake Debt Collector Scams](https://choiceone.org/fake-debt-collector-scams/) - Fake debt collector scams are a growing threat. Identifying a debt collection scam and taking measures to protect yourself is vital to your financial wellbeing.
- [Inflation-Proof Your Wallet: 10 Effective Tips to Reduce Everyday Expenses](https://choiceone.org/tips-to-reduce-everyday-expenses/) - Discover 10 practical tips to reduce expenses and boost your financial health amid rising inflation. Learn how to budget effectively, save on everyday costs, and manage your money better with smart, actionable strategies.
- [2024 Home Remodeling: What's In and What's Out](https://choiceone.org/2024-home-remodeling/) - If planning a home remodel, you'll want to learn what's in and what's out to stay on current trend and add value.
- [How to Negotiate and Save on Monthly Expenses](https://choiceone.org/negotiate-and-save-on-monthly-expenses/) - Our 10 tips to negotiate and save on monthly expenses covers everything from negotiating with your internet provider to getting the best rate on subscriptions.
- [How to Create a Debt Repayment Plan That Works](https://choiceone.org/how-to-create-a-debt-repayment-plan/) - Creating a debt repayment plan can put you on stronger financial footing. It begins by calculating your total debt and developing a strategy to pay down debt.
- [Spoofing 101: Protecting Your Financial Accounts](https://choiceone.org/spoofing-101/) - Protect your personal and financial information by understanding spoofing, a fraud tactic targeting credit union and bank customers.
- [The Great Escape: Fleeing High-Interest Rates](https://choiceone.org/fleeing-high-interest-rates/) - Escape the clutches of high-interest credit card debt with our strategic guide on balance transfer cards! Discover how to boost your debt repayment and gain financial freedom.
- [How to Enhance Your Home's Value with a Home Equity Loan](https://choiceone.org/enhance-your-homes-value-with-a-home-equity-loan/) - Enhance your home's value with a home equity loan with the help of a Choice One home equity loan. Careful and strategic planning can ensure maximized investment
- [The Time Traveler's Guide to Mortgages](https://choiceone.org/time-travelers-guide-to-mortgages/) - Whether you're a first-time homebuyer or looking to refine your mortgage knowledge, this blog post serves as your compass through fluctuating interest rates, diverse mortgage options, hidden fees, the importance of credit scores, and the nuances of down payments.
- [Never Pay an ATM Fee Again: How to Find Surcharge-Free ATMs](https://choiceone.org/how-to-find-surcharge-free-atms/) - Choice One offers members access to an extensive surcharge-free ATM network through partnerships with Co-Op Shared Branching, CU$, Allpoint, and MoneyPass.
- [The Rise of Deepfake Scams: Navigating the Dangers of Synthetic Media](https://choiceone.org/the-rise-of-deepfake-scams/) - Uncover how advanced AI is crafting eerily convincing deepfake scams, blurring lines between truth and fiction, and what steps you can take to safeguard against these sophisticated cyber threats.
- [Home Buyer's Guide](https://choiceone.org/home-buyers-guide/) - Unlock the door to your dream home with Choice One's comprehensive Home Buyer's Guide. From improving your credit score to closing the sale, our step-by-step guide demystifies the home-buying process, making it accessible and manageable.
- [Debt Consolidation Strategies for the New Year](https://choiceone.org/debt-consolidation-strategies/) - Debt consolidation strategies for the new year should include researching a low rate balance transfer credit card as well as exploring low rate loan options.
- [Guarding Your Gateway: Exposing Delivery Driver Scams ](https://choiceone.org/delivery-driver-scams/) - Discover how to safeguard yourself from the rising threat of delivery driver scams. Learn to spot these crafty frauds, understand their tactics, and arm yourself with effective strategies to protect your personal and financial information.
- [Outsmarting Social Media Scams During the Holidays](https://choiceone.org/social-media-scams/) - Learn how to recognize and outsmart festive frauds, phishing links, and fake giveaways this holiday season. Protect yourself from social media scams with expert tips and strategies.
- [Economical Entertaining: Hosting Holiday Gatherings on a Dime](https://choiceone.org/economical-entertaining/) - Economical entertaining is important when hosting holiday gatherings on a dime. From food to decor, we offer tips to help you stay within your holiday budget.
- [The Naughty List: Most Common Holiday Scams Unwrapped](https://choiceone.org/common-holiday-scams/) - the most common holiday scams can take you and your loved ones by surprise and cause you financial hardship during what should be the most joyous time of year.
- [Defending Your Household Against AI Voice Scams](https://choiceone.org/defending-your-household-against-ai-voice-scams/) - Discover how AI voice scams pose a silent yet potent threat to your household. Learn the tricks scammers employ to exploit your trust and emotions. Explore proactive measures to safeguard your loved ones against the emotional manipulation tactics of fraudsters.
- [Beware of 'Brushing': The Newest Mail Scam](https://choiceone.org/beware-of-brushing-usps-alert-on-the-newest-mail-scam-trend/) - We're helping to unmask the deceptive world of unordered packages and fake reviews. Discover the warning signs and safeguard your finances.
- [Navigating Student Loan Payment Resumption](https://choiceone.org/navigating-student-loan-payment-resumption/) - Navigating student loan payment resumption can be frightening if you are unprepared. Choice One is #YourChoice numerous student loan repayment resources.
- [Unraveling the Web of Zelle® Scams](https://choiceone.org/unraveling-the-web-of-zelle-scams/) - Zelle® scams can leave unsuspecting victims with huge financial losses. Stay aware of the latest tactics and learn how to protect yourself.
- [Understanding Share Certificates: A Safe Haven for Your Savings](https://choiceone.org/understanding-share-certificates-a-safe-haven-for-your-savings/) - Dive into the world of understanding share certificates as a safe haven for your savings and discover the ins and outs of how share certificates can help secure your financial future.
- [5 Tips to Avoid Text Scams](https://choiceone.org/tips-to-avoid-text-scams/) - Guard against text scams with expert tips from Choice One Community Credit Union. Learn how scammers create urgency, and how to help protect your personal and financial information in the digital age.
- [Guide to Building Wealth](https://choiceone.org/guide-to-building-wealth/) - Prioritizing building wealth by saving for retirement, saving for an emergency, and saving for various life goals can help you enjoy more financial freedom.A focus on saving, starting now, can help reduce financial stress and be instrumental in building wealth and greater financial stability. Saving towards goals, such as education, homeownership, an emergency fund, and retirement, can keep you on track and provide you with peace of mind in knowing you are prepared for anything. While no one
- [The Benefits of Adding Certificates of Deposits to Your Investment Portfolio](https://choiceone.org/the-benefits-of-adding-certificates-of-deposits-to-your-investment-portfolio/) - The Benefits of Adding Certificate of Deposits to Your Investment Portfolio can be very impactful, especially when looking for a safe and dependable investment.
- [Refinancing Your Auto Loan: When Should You Consider It?](https://choiceone.org/refinancing-your-auto-loan-when-should-you-consider-it/) - Discover the right time for refinancing your auto loan and the importance of shopping lenders. Learn why comparing rates, terms fees, is crucial to refinance.
- [Decoding the Fine Print: Understanding the Terms and Conditions of Auto Loans](https://choiceone.org/decoding-the-fine-print-understanding-the-terms-and-conditions-of-auto-loans/) - Demystify the terms and conditions of auto loans with Choice One Community Credit Union. Our blog post helps you decode the fine print and understand key aspects such as interest rates, loan term, APR, and more.
- [Maximize Your Savings: Buy from a Dealership, Refinance with Choice One](https://choiceone.org/maximize-your-savings-buy-from-a-dealership-refinance-with-choice-one-community-credit-union/) - Unlock significant savings on your auto loan by refinancing with Choice One Community Credit Union. This post guides you through the benefits of buying from a dealership and then refinancing with us. Start optimizing your financial wellness with Choice One!
- [CD vs. Money Market Account: Which is Right for You?](https://choiceone.org/cd-vs-money-market-account-which-is-right-for-you/) - Trying to decide between investing your money in a CD vs. money market account? we provide the pros and cons of each, as well as tips on choosing what's best.
- [Top 12 Home Improvement Trends for 2023](https://choiceone.org/top-12-home-improvement-trends-for-2023/) - Top home improvement trends for 2023 incorporate a mix of \upgrades that enhance home enjoyment and others that improve the value of a home.
- [Your Guide to Preventing Account Takeover Fraud](https://choiceone.org/your-guide-to-preventing-account-takeover-fraud/) - Account takeover fraud (ATO) is a real and growing threat to your online security. The consequences of ATO can include identity theft and financial losses.
- [5 Financial Goals for Every Decade](https://choiceone.org/5-financial-goals-for-every-decade/) - Learn about five essential financial goals you should aim to achieve in every decade of your life with Choice One Community Credit Union's helpful guide.
- [Watch for 7 Red Flags of a Ghost Tax Preparer Scam](https://choiceone.org/watch-for-7-red-flags-of-a-ghost-tax-preparer-scam/) - Tax season is upon us! Learn how to recognize the red flags associated with a ghost tax preparer scam. This can protect against falling victim to fraud.
- [Tax Credit Tips to Lower Your Tax Bill](https://choiceone.org/tax-credits-tips-to-lower-your-tax-bill/) - Tax credits are a great way to reduce your tax bill. Our tax credit tips to lower your tax bill offer examples of different types of credits to help you save.
- [Warning Signs of a Wi-Fi Hack](https://choiceone.org/warning-signs-of-a-wi-fi-hack/) - A Wi-Fi hack can be extremely dangerous. A hacker can spy and gain access to any information sent out from all of the devices on your hacked network. This can include login credentials and passwords, as well as other personal and financial information. A hacker can also plant malware on your device. We’ve all heard The warning signs of a Wi-Fi hack can help prevent the leak of important financial or personal information. Knowing what to watch for can help you take action.
- [5 Clever Ways to Provide Your Own Debt Relief](https://choiceone.org/5-clever-ways-to-provide-your-own-debt-relief/) - You’ve probably noticed the APRs on your credit cards and other variable-rate debt creeping up as the Federal Reserve continues to raise interest rates. Since most credit cards have a variable rate, as the Fed raises the prime rate, your credit card rate will increase as well. The higher rate means paying even more interest In a time of rising interest rates, you may be looking for ideas to provide your own debt relief, from consolidating high-rate debt to discovering a good app.
- [2 Tips to Pay Off Credit Card Debt as Rates Rise](https://choiceone.org/2-tips-to-pay-off-credit-card-debt-as-rates-rise/) - As interest rates rise, it's important to focus on paying off variable-rate credit card debt. Balance transfer credit cards and the Debt Avalanche Method can help.
- [7 Financial Goals for the New Year](https://choiceone.org/7-financial-goals-for-the-new-year/) - Our list of 7 financial goals for the new year will help get you started down a path to improve your overall financial well-being.
- [Heads Up for Holiday Fraud](https://choiceone.org/heads-up-for-holiday-fraud/) - Heads up for holiday fraud. Scammers are out in force this holiday season, stealing money through fake websites, charity scams, skimming devices, and more.
- [NEPA Holiday Events Light Up the Season](https://choiceone.org/nepa-holiday-events-light-up-the-season/) - Looking to brighten your spirits this holiday season and spend some quality time with family and friends? NEPA is the place to accomplish that goal with festive holiday happenings scheduled throughout the region. Here’s just a sampling of what you can enjoy through the holidays. Dazzling Light Shows Nay Aug Park Holiday Light Spectacular 5 Our listing of NEPA holiday events brings fun for all with extravagant holiday light displays and trees to holiday markets, visits with Santa Clause, and more.
- [6 Tips to Stretch Your Holiday Bucks](https://choiceone.org/6-tips-to-stretch-your-holiday-bucks/) - If you’re feeling the pinch when it comes to holiday shopping, here are 6 tips to stretch your holiday bucks and remain within budget.
- [Counting Down the Top 8 Credit Card Mistakes](https://choiceone.org/counting-down-the-top-8-credit-card-mistakes/) - Credit cards have become an alternative to cash for many Americans. Some credit cards even offer perks, such as rewards points towards trips, gifts, or possibly cash back. If you’re making mistakes with your credit cards, it could be costing you big money. An article on cnbc.com earlier this month reported that U.S. credit card Our countdown of the top 8 credit card mistakes might help prevent you from making an error that causes you to get deeper in debt or lowers your credit rating.
- [Your Guide to Balance Transfer Credit Cards](https://choiceone.org/your-guide-to-balance-transfer-credit-cards/) - When comparing balance transfer credit card offers, you're going to want to consider these 6 key factors in order to make an informed decision.
- [Don’t Miss Important Student Loan Forgiveness Updates](https://choiceone.org/dont-miss-important-student-loan-forgiveness-updates/) - Learn more about who is eligible for student loan forgiveness and don't miss important student loan forgiveness updates by reading our recent blog post.
- [How to Negotiate Lower Cable & Internet Bills](https://choiceone.org/how-to-negotiate-lower-cable-internet-bills/) - Looking for a little extra wiggle room in your monthly budget? Learn how to negotiate lower cable and internet bills.
- [Warning: Text Scams are on the Rise](https://choiceone.org/warning-text-scams-are-on-the-rise/) - Text scams are designed to take advantage of unsuspecting victims. Learn the warning signs to avoid falling victim to fraud. Plus, 5 steps to avoid getting scammed.
- [24 Ways to Enjoy Your Weekend on the Cheap](https://choiceone.org/24-ways-to-enjoy-your-weekend-on-the-cheap/) - There’s nothing more rewarding than enjoying a fun weekend with friends or family filled with activities that don’t burn a hole in your pocket. Here are 24 ways to enjoy your weekend on the cheap. Enjoy the fresh air with a walk or a hike. Walk around a local lake and feed the ducks while Here are 24 ways to enjoy your weekend on the cheap that is sure to give you plenty of ideas for some fun and adventure-filled weekends in the coming months.
- [6 Money Hacks to Combat Inflation](https://choiceone.org/6-money-hacks-to-combat-inflation/) - Use our list of money hacks to combat inflation and better cope with the rising cost of goods.
- [How to Keep Savings Goals On Track During Turbulent Times](https://choiceone.org/how-to-keep-savings-goals-on-track-during-turbulent-times/) - Saving today will enable you to compound for longer, providing more money over time. Need help? Learn tips to keep your savings goals on track during turbulent times.
- [Figuring Your Personal Inflation Rate Amid Rising Prices](https://choiceone.org/figuring-your-personal-inflation-rate-amid-rising-prices/) - Learn how to figure out your own personal inflation rate amid rising prices. Plus, five ways that you can lessen inflation's sharp bite.
- [3 Ways to Protect Yourself From Rising Credit Card Interest Rates](https://choiceone.org/3-ways-to-protect-yourself-from-rising-credit-card-interest-rates/) - Federal Reserve rate hikes will likely result in credit card debt becoming a lot more expensive. Learn what you can do to proactively protect yourself from rising credit card interest rates.
- [Choice One Waiving $400 Mortgage Loan Processing Fee on New Home Purchases](https://choiceone.org/choice-one-waiving-400-mortgage-loan-processing-fee-on-new-home-purchases/) - FOR IMMEDIATE RELEASE –Choice One Credit Union, with offices in Plains Township, Wilkes-Barre, and Hazleton, announced that it is waiving its $400 mortgage loan processing fee on all new home purchases. This is a tremendous saving for borrowers when applying for a new mortgage loan. With interest rates expected to rise again, this is coming Choice One Credit Union is waiving $400 mortgage loan processing fees on new home purchases. This means big savings for new home buyers looking for a deal.
- [Tips to Save on Taxes in 2022](https://choiceone.org/tips-to-save-on-taxes-in-2022/) - There are several things you can do to help save on taxes in 2022. Careful planning now for the year ahead might reduce your tax burden. Here are a few tips.
- [6 Tips to Manage Rising Costs](https://choiceone.org/6-ways-to-manage-rising-costs/) - Prices have skyrocketed the past year, making it hard for consumers to make ends meet. Here are six tips to help you manage rising costs more effectively.
- [5 tips to extend the life of your car](https://choiceone.org/5-tips-to-extend-the-life-of-your-car/) - Proper maintenance can help you extend the life of your car and avoid unexpected or costly repairs. Our five tips can help you keep your car in great condition.
- [Tips to Avoid Tax Scams](https://choiceone.org/tips-to-avoid-tax-scams/) - Knowing the warning signs is important when trying to avoid tax scams. Tax-related scams, such as text, email, and phone scams are prevalent during tax season.
- [5 Cheap 2022 Travel Destinations](https://choiceone.org/5-cheap-travel-destinations-2022/) - Many of us may have missed out on our usual travel schedules these past two years. If you’re looking to get back out there and travel on the cheap in 2022, we have some suggestions to get those wheels in your mind turning. Even on a budget, you can begin to check some of the There are many cheap travel destinations that you can enjoy in the coming year. They range from Washington DC in the states to bucket list locations like Kenya.
- [4 Tips for Paying Off High Interest Balances Faster](https://choiceone.org/4-tips-for-paying-off-debt-faster/) - There are many reasons people struggle with debt, from overspending to a medical or financial emergency. Whatever the reason, our tips can help you pay down high interest debt faster.
- [6 Financial Resolutions for 2022 ](https://choiceone.org/6-financial-resolutions-for-2022/) - If you’re looking to make an impactful resolution for the new year, resolving to improve your financial situation is a great goal. Here are six important financial resolutions that will help put you on the path to a stronger financial future. 1 Evaluate your spending habits Creating a budget that you can live with Carefully defined financial resolutions can help you achieve financial security in life. We provide six financial resolutions to help you greet the
- [How to Invest in Stocks](https://choiceone.org/how-to-invest-in-stocks/) - Investing in stocks, if you have the funds to do so, has many benefits. This might include a higher return than typical savings account to help build your nest egg faster. If you’re already contributing to a retirement plan, you are already investing. If you’re ready to invest in stocks but are unsure about where If you want to invest in stocks, we have six tips. Research and planning are important for investing in stocks. Determining your goals is the place to start.
- [Save with These 4 Free TV Apps](https://choiceone.org/save-with-free-tv-apps/) - If you’ve been considering cutting the cord from high-cost cable, you’re not alone. According to Leichtman Research Group, an organization specializing in research and analysis of the broadband, media, and entertainment industries in the U.S., the largest pay-TV providers in the U.S. lost about 5,120,000 subscribers in 2020. Pew Research reported that the share of Many Americans are looking to cut the cord on their high-cost cable bills. Here are four free TV apps to help you save.
- [Holiday Shopping Strategies to Save](https://choiceone.org/holiday-shopping-strategies/) - If you’re trying to avoid blowing your savings or getting deeper in debt this holiday season, we have some tips for saving money on holiday shopping. Our holiday shopping strategies begin with tracking your expenses. Track your spending It’s easy to lose track of how much you spend when you’re making holiday purchases. The Mint We offer many holiday shopping strategies to help stretch your shopping dollar this holiday season and beyond. Read on for our cost-cutting shopping tips.
- [Roth vs. Traditional IRA](https://choiceone.org/roth-vs-traditional-ira/) - Opening an individual retirement account (IRA) is an important step in meeting your retirement saving goals. An IRA enables you to invest your money and enjoy tax benefits. IRAs can be particularly helpful if you don’t have access to an employer-sponsored retirement plan. The hardest part of starting to save may be determining the type A big difference between the Roth vs. Traditional IRAs is when you get a tax break. There’s an upfront tax break that comes with a traditional IRA.
- [Learning Lounge provides Online Banking demos](https://choiceone.org/learning-lounge-provides-online-banking-demos/) - The Choice One Credit Union Learning Lounge provides on-demand access to information and educational resource that will help you navigate Virtual Branch Online Banking, the Choice One Mobile App, and more. In addition to product video tutorials, you will also find informative articles and financial tips on many topics. Choice One Mobile Banking Our Mobile Choice One Credit Union's online Learning Lounge provides access to detailed online demos to help you navigate all of the features of online and mobile banking.
- [4 Main Factors Impacting Your Credit Score](https://choiceone.org/4-main-factors-impacting-a-credit-score/) - Credit score is an important factor in your overall financial well-being. It comes into play for many important financial decisions. In this blog, we explain four factors that impact your credit score.
- [Car Buying 101](https://choiceone.org/car-buying-101/) - If you’ve been dreaming about heading out in a new ride, but don’t look forward to going through a stressful car-buying process, we hope this car buying 101 blog will help. It’s easy to get overwhelmed with selecting a new car and then dealing with financing. Our handy tips are useful whether you’re buying your Buying a new car can be confusing. Our car buying 101 blog provides handy tips to help you work more easily through the process and get a better deal.
- [Common Car Buying Mistakes](https://choiceone.org/common-car-buying-mistakes/) - Buying a car can be daunting for even the most experienced car buyers. The more prepared you are for the process, the less stressful it will be. Here are 10 car buying mistakes to avoid. Failing to do enough research If you don’t do your research, you might make an expensive mistake when purchasing a Car buying mistakes can be costly in the form of higher rate financing, missing incentives and rebates, and adding extras you just don't need. Learn and save.
- [Three Common Auto Loan FAQs](https://choiceone.org/three-common-auto-loan-faqs/) - You've got auto loan questions? We've got answers! Read our blog for answers to three of the most common questions we're asked about auto loans.
- [Correcting Credit Report Errors](https://choiceone.org/correcting-credit-report-errors/) - Credit report errors can have a big impact on your life. They can affect your ability to get loans or even jobs. Learn about correcting credit report errors.
- [Tips for Upgrading Kitchen Appliances](https://choiceone.org/upgrading-kitchen-appliances-for-remodel/) - Whether you’re planning a full kitchen remodel or are just upgrading kitchen appliances, we have some tips to help you through the process of upgrading your appliances. With all of the advances in technology, new appliances are more energy-efficient than ever. Upgrading to newer more energy-efficient models may not only make your kitchen look great, Upgrading kitchen appliances can be costly and confusing. Advance planning, budgeting, and research are essential for success in purchasing the right appliances.
- [Which Home Equity Loan is Best for Me?](https://choiceone.org/which-is-better-a-home-equity-loan-or-a-heloc/) - A home equity loan is a good choice when you need funds in a lump sum and prefer a fixed rate. A HELOC is better when you need cash over a period of time. Read on to learn more.
- [8 Home Improvements That Add Value](https://choiceone.org/home-improvements-add-value/) - Completing home improvements with a home equity loan can be much more enticing when you know you are adding value to your home. Remodeling your home for enjoyment might be your top priority, but it’s always smart to keep return on investment in mind. There are many home improvement projects that can boost the value Being selective with your home improvements can help you realize a larger ROI of your home equity loan dollars. Learn more about projects that increase value.
- [Fund a better financial future with your tax refund](https://choiceone.org/fund-a-better-financial-future-with-your-tax-refund/) - If you’re expecting a tax refund, there are smart ways to use the money to help fund a better financial future. Skip splurging on a shiny new speedboat or a tropical vacation, and focus more on contributing to your overall financial wellness. Here are seven options for using your refund that make better financial sense. Using your tax refund wisely can help you lay the groundwork for a better financial future. Read our seven tips for the best uses of a tax refund.
- [Lower your payment with auto loan refinancing](https://choiceone.org/lower-your-payment-with-auto-loan-refinancing/) - Many borrowers are able to lower their monthly car loan payments with auto loan refinancing. Choice One offers competitive rates to help accomplish this goal.
- [Get to Know GreenPath Financial Wellness](https://choiceone.org/did-you-know-choice-one-members-have-access-to-financial-counseling-and-debt-management-services/) - A leading cause of financial difficulties is simply that people may lack the tools and skills needed to manage their money. A 2020 PricewaterhouseCoopers Employee Financial Wellness Survey found that more than a third of full-time employed Millennials, Gen Xers, and Baby Boomers have less than $1,000 saved to deal with emergency expenses. When asked
- [Tips for Mortgage Loan Shopping](https://choiceone.org/tips-for-mortgage-loan-shopping/) - Here are our tips to help your hunt for the best home mortgage loan or mortgage refinance.
- [Protecting Your Finances While on the Go](https://choiceone.org/protecting-your-finances-while-on-the-go/) - Choice Alert gives you more control over your credit and debit card than ever before! Once you’ve downloaded the app and entered the necessary information, you’re ready to go!
- [Your Choice for Technology](https://choiceone.org/your-choice-for-technology/) - At Choice One, we believe online and mobile banking improves member satisfaction. From our Mobile Money app to Choice Alert, we’ve got the technology you need.
- [Debt Consolidation – 5 Frequently Asked Questions](https://choiceone.org/debt-consolidation-5-frequently-asked-questions/) - What is debt consolidation? Can it help you save money? Find out by reading the answers to these five common debt consolidation questions.
- [Which Debt Consolidation Loans are Right for You?](https://choiceone.org/which-debt-consolidation-loans-are-right-for-you/) - Two of the most common ways to consolidate debt are with debt consolidation loans or with a low-interest balance transfer credit card. Both options can help you to consolidate several payments into one single monthly bill.
- [Is Auto Loan Refinancing Worth It?](https://choiceone.org/is-auto-loan-refinancing-worth-it/) - Refinancing your auto loan means paying off your existing loan with a new loan. One of the best reasons to refinance a car loan is to lower your interest rate and save on the total interest paid. The interest rate can also make a big difference in the amount of your monthly payment. Lowering your
- [What Does Your Homeowners’ Insurance Cover?](https://choiceone.org/what-does-your-homeowners-insurance-cover/) - Buying or remodeling your home? Make sure your homeowners’ insurance policy has the coverage you need.
- [Why You Should Carefully Consider Mortgage Refinancing](https://choiceone.org/why-you-should-carefully-consider-mortgage-refinancing/) - Refinancing your home could help you pay off debt and lower your monthly payments. Learn more about why you should consider mortgage refinancing.
- [Planning For College Starts In Your Senior Year](https://choiceone.org/planning-for-college-starts-in-your-senior-year/) - For those considering college, there are ways to take charge of the process to make it easier. Here is a to-do list to help you take charge of your senior year.
- [When are home equity loans tax deductible?](https://choiceone.org/when-are-home-equity-loans-tax-deductible/) - If a home equity loan or home equity line of credit (HELOC) is used to substantially renovate or improve a home, the interest paid is typically tax-deductible.
- [Renovate with a Cash-Out Mortgage Refinance](https://choiceone.org/renovate-with-a-cash-out-mortgage-refinance/) - If you have the equity, a cash-out mortgage refinance can help cover home renovation costs. Refi can give you the extra money you need for home improvements.
- [Building Business Back During the Pandemic](https://choiceone.org/building-business-back-during-pandemic/) - After facing a disruption in business, organizations have been forced to regroup. Read these tips to help build your business back stronger than it was before.
- [11 Tips for Saving on Groceries](https://choiceone.org/11-tips-for-saving-on-groceries/) - Most Americans are facing a cash crunch right now and looking for ways to save. Groceries might be a big expense for some. If you’re to significantly slash costly grocery bills, here are some of our favorite ways to save. 
- [How to Find the Cheapest Flights](https://choiceone.org/how-to-find-the-cheapest-flights/) - Sit back, relax and enjoy as we give you the inside scoop on what we learned and how you can score cheap flights. Don’t say we never did anything for ya!
- [Take Advantage of Big Rate Cuts for Mortgage Refinance](https://choiceone.org/take-advantage-of-big-rate-cuts-for-mortgage-refinance/) - With interest rates falling, there’s no better time to refinance your mortgage. With so much out of our control right now, this is one important financial move that you can control.
- [Credit Limit Increase Benefits](https://choiceone.org/credit-limit-increase-benefits/) - If your credit is good, it might be the right time to consider a credit limit increase. While some credit card issuers automatically increase your credit limit when they feel you are a good risk, others will only raise it when you ask. With some, you may be able to make the request right online.
- [Your Credit Union Deposits are Protected](https://choiceone.org/your-credit-union-deposits-are-protected/) - Choice One wants to reassure our members and the entire community that your deposits in credit unions are safe and insured. Federally chartered credit unions are regulated by the National Credit Union Administration (NCUA) and insured by the National Credit Union Share Insurance Fund (NCUSIF), which is backed by the United States government.
- [Depend on Choice One During Tough Financial Times](https://choiceone.org/depend-on-choice-one-during-tough-financial-times/) - As the coronavirus situation continues to evolve, we want to ensure our members and our community that we are here to serve your needs.
- [Beware of Coronavirus Scams](https://choiceone.org/beware-of-coronavirus-scams/) - Local and national law enforcement and government agencies have been warning about many scams related to stimulus checks and the coronavirus pandemic. Scammers are preying on public fears for their own gain. It’s important to be aware and be vigilant in protecting yourself from coronavirus scams.
- [Earn Extra Cash to Ease Your Finances](https://choiceone.org/earn-extra-cash-to-ease-your-finances/) - Whether you’re faced with a reduction in salary and looking for a side gig to make up the lost income or are completely out of work, we have many ideas to help you earn some extra dough. 
- [6 Tips for Recovering Financially](https://choiceone.org/6-tips-for-recovering-financially/) - As businesses begin to reopen and jobs come back to our area, it’s time to take steps to improve your financial condition and reestablish your financial goals.
- [Protect Your Credit Score During the Coronavirus Pandemic](https://choiceone.org/protect-your-credit-score-during-the-coronavirus-pandemic/) - The financial crisis brought on by the coronavirus pandemic can really impact your credit score. While your health is always a top priority, let’s focus a bit on your financial well-being. Here are some things you can do to proactively protect your credit score.
- [Tips for Cutting Monthly Expenses](https://choiceone.org/tips-for-cutting-monthly-expenses/) - Here are ten ways to potentially cut monthly expenses and put more money in your pocket.
- [6 Reasons to Refinance Your Mortgage](https://choiceone.org/6-reasons-to-refinance-your-mortgage/) - Refinancing your mortgage isn't only beneficial when you can get a lower rate. Learn more about 5 other great reasons to refinance today.
- [Should I Refinance My Mortgage?](https://choiceone.org/should-i-refinance-my-mortgage/) - Refinancing your mortgage can be a great financial move if done for these nine reasons.
- [8 Tips for First Time Home Buyers](https://choiceone.org/8-tips-for-first-time-home-buyers/) - Buying your first home can be intimidating. If you're feeling the heat, read our list of 8 things to consider for first time home buyers.
- [Ten Tips to Get the Best Deal on a New Home](https://choiceone.org/ten-tips-to-get-the-best-deal-on-a-new-home/) - Ten tips for getting the best deal on a new home. Choice One helps you save money.
- [Year End Financial Checkup](https://choiceone.org/year-end-financial-checkup/) - The end of the year is an ideal time to take a close look at your finances. It can provide you with the opportunity to improve your tax situation and your overall finances for the coming year.
- [Find the Best Black Friday and Cyber Monday 2019 Shopping Deals](https://choiceone.org/find-the-best-black-friday-and-cyber-monday-shopping-deals/) - How can you better prepare and find all of those Black Friday and Cyber Monday ads easily in one place? Read our blog to find out.
- [Get into the Spirit with these NEPA Holiday Events](https://choiceone.org/get-into-the-spirit-with-these-nepa-holiday-events/) - There’s something for every age and interest, from Santa train rides to holiday shows, festivals, shopping and more. Here’s just a sampling of what our area has to offer this holiday season.
- [Advantages of Personal Loans over Credit Cards for Holiday Shopping](https://choiceone.org/advantages-of-personal-loans-over-credit-cards-for-holiday-shopping/) - When it comes to holiday shopping, low rate personal loans can help save significant interest as opposed to credit cards. Read our blog to learn more.
- [Halloween Safety Tips](https://choiceone.org/halloween-safety-tips-and-local-fun-for-families/) - Safety first! Keep safety top of mind this Halloween with our Halloween safety tips and guide to local family fun.
- [Avoid These 9 Mistakes With Car Loans](https://choiceone.org/avoid-these-9-mistakes-with-car-loans/) - Many borrowers make expensive mistakes with car loans. We’d like to try to help you avoid those errors. Read on to steer clear of common car loan mistakes. 
- [Avoiding Risks of Home Equity Loans](https://choiceone.org/avoiding-risks-of-home-equity-loans/) - Home equity loans typically offer very attractive rates for borrowers in need of cash for home improvements or for just about any reason. If used responsibly a home equity loan can be a great benefit. If taken lightly, it can also pose some risks.
- [Is it Time for a Financial Advisor?](https://choiceone.org/is-it-time-for-a-financial-advisor/) - Hiring a financial advisor is an important decision. This trusted partner will provide the expertise you need to better plan your healthy financial future.
- [Max Out Your Vacation Fun, Not Credit Cards](https://choiceone.org/max-out-your-vacation-fun-not-credit-cards/) - You can relax, because we’ve got the money saving tips that will help you enjoy your summer vacation to the fullest without spending a bundle!
- [Teaching Your Child Not to Bully](https://choiceone.org/teaching-your-child-not-to-bully/) - When it comes to schoolyard bullying, the statistics are startling. It’s our job as parents to teach our children to treat everyone with kindness and respect.
- [A Roadmap to Retirement Savings](https://choiceone.org/a-roadmap-to-retirement-savings/) - Are you in the 70% of Americans that aren't saving enough for retirement? Read our Choice Words blog. It's packed with great retirement saving advice and tips.
- [Our Favorite 4th of July Food & Drink](https://choiceone.org/our-favorite-4th-of-july-food-drink/) - Looking for food and drink ideas for your Independence Day party? Check out the burger and batch cocktail that we'll be serving up. Enjoy Responsibly!
- [Benefits of Using a Mobile Wallet](https://choiceone.org/benefits-of-using-a-mobile-wallet/) - A mobile wallet is an app that enables you to make purchases quickly and easily with your mobile device.
- [Back to School, Doesn’t (Have to) Mean Back to Debt](https://choiceone.org/back-to-school-doesnt-have-to-mean-back-to-debt/) - Are you sitting on your couch wondering how the summer flew by so quickly? We know we sure are! It’s already mid-August and you know what that means. In just a few weeks, the kids will be back in school. While it may be the last thing you want to think about right now, it’s
- [The Other Freshman 15: Tips for Surviving Your First Year](https://choiceone.org/the-other-freshman-15-tips-for-surviving-your-first-year/) - Freshmen struggle with the lack of structure and stress of the unfamiliar surroundings that is college life. Here are 15 tips for surviving your freshman year.
- [Game Plan for a Healthier Tailgate](https://choiceone.org/game-plan-for-a-healthier-tailgate/) - Ten tips for eating healthier and avoiding the battle of the bulge this football tailgate season.
- [Identity Theft: How to Spot It, How to Stop It](https://choiceone.org/identity-theft-how-to-spot-it-how-to-stop-it/) - Learn the warning signs of Identity theft so you can be proactive in recognizing it quickly and take steps to stop it.
- [Ten Tips to Save on Holiday Shopping](https://choiceone.org/ten-tips-to-save-on-holiday-shopping/) - You’re probably already getting anxious worrying about the cost of the holidays and we're here to give you a hand with our tips to save on holiday shopping.
- [6 Ways to FALL in Love with NEPA](https://choiceone.org/6-ways-to-fall-in-love-with-nepa/) - Here are six ways to enjoy the fall season in NEPA with your family and friends.
- [Seven Personal Loan FAQs](https://choiceone.org/seven-personal-loan-faqs/) - Considering the option of a personal loan to help you face an expense? You’re not alone. Here are some of the most frequently asked personal loan questions.
- [5 Advantages of Using Personal Loans for Vacation](https://choiceone.org/5-advantages-of-using-personal-loans-for-vacation/) - Personal loans may be just what the doctor ordered to make vacation dreams come true. Here are some benefits to using personal loans to help pay for a vacation.
- [8 Reasons to Use a HELOC](https://choiceone.org/8-reasons-to-use-a-heloc/) - Home equity is one of your greatest assets. Make sure that you're using your HELOC for the right reasons. Here are eight examples to get you started.
- [Learn How to Get the Best HELOC](https://choiceone.org/learn-how-to-get-the-best-heloc/) - When it comes to choosing a HELOC, the lowest rate isn't always the best deal. Use these tips and questions to get the HELOC that best fits your specific needs.
- [5 Easy Steps to Switch from a Bank to a Credit Union](https://choiceone.org/5-easy-steps-to-switch-from-a-bank-to-a-credit-union/) - Switching from a bank to a credit union isn't as hard as you think. Follow these 5 easy steps to enjoy all the benefits of credit union membership.
- [8 Strategies to Pay Down Debt](https://choiceone.org/8-strategies-to-pay-down-debt/) - First, understand how much debt you really have. Make a detailed list of all of your debt, the various interest rates, and your monthly payments. Many people don’t realize the extent of their indebtedness or the high rates of interest they are paying until they look at it as a complete list with balances. This will help you to determine the total you owe and the best plan of attack.
- [Take Advantage of December Deals](https://choiceone.org/take-advantage-of-december-deals/) - Whether you’re short on money this holiday season or have just enough put away to cover your gifts, a Choice One Holiday Bucks Loan may help you get the extra funds to take advantage of a great deal this month.
- [Credit Card or Loan – Which Better for Debt Consolidation?](https://choiceone.org/credit-card-or-loan-which-better-for-debt-consolidation/) - If you find yourself in over your head with debt, you may want to consider debt consolidation with a personal loan or with a credit card balance transfer. We help you explore the benefits of each.
- [Pros and Cons of a 0% Percent Auto Loan](https://choiceone.org/pros-and-cons-of-a-0-percent-auto-loan/) - A 0% auto loan might seem too good to be true and it just may be. There are other factors to take into consideration before signing.
- [Rethink Pink & Help End Breast Cancer](https://choiceone.org/rethink-pink-help-end-breast-cancer/) - Promoting breast cancer awareness will help with early detection, and to raise funds for research, which, hopefully, will ultimately lead to a cure.
- [Mistakes to Avoid when Paying off Debt](https://choiceone.org/mistakes-to-avoid-when-paying-off-debt/) - Paying off debt can be tough. Make sure you're not spinning your wheels by avoiding these seven common mistakes. 

## Pages

- [Home](https://choiceone.org/) - Your trusted credit union in Wilkes Barre, Plains Township, Hazleton, Kingston, and Old Forge, offering a wide range of personalized banking services for the NEPA region.
- [Home Mortgage Loans](https://choiceone.org/loans/home-mortgage-loans/) - Buy or refinance your NEPA home with Choice One. Competitive rates, low closing costs, and honest guidance from pre-approval to closing. Get started today.
- [CardHub®](https://choiceone.org/services-resources/identity-fraud-protection/cardhub/) - Protect yourself against fraud, receive alerts for your transactions, track spending, turn your card off on the spot, and more with Choice Alert's powerful new successor.
- [Mortgage Appointment Form Confirmation](https://choiceone.org/mortgage-seminar-follow-up-form-confirmation/) - Thank you for your interest in a mortgage loan at Choice One!
- [Invest](https://choiceone.org/services-resources/investments-insurance-invest/) - Investments & Financial Planning by MEMBERS Financial Services Financial and investment planning services brought to you by MEMBERS Financial located at Choice One Community Credit Union. Look ahead 5, 10, 20 years. Where do you see yourself? In a coastal beach house? Traveling more? Retirement nest eggs? School funds for the kids? You glimpse that
- [Home Equity Line of Credit Rates](https://choiceone.org/loans/home-equity-line-of-credit/home-equity-line-of-credit-rates/) - Tap into your home's equity with a HELOC from Choice One. Competitive variable rates and local service NEPA homeowners trust.
- [Home Equity Line of Credit (HELOC)](https://choiceone.org/loans/home-equity-line-of-credit/) - Access your home equity when you need it with a HELOC from Choice One Community Credit Union. Flexible draws, competitive variable rates, and no hassle.
- [Home Equity Loan Rates](https://choiceone.org/loans/home-equity-loans/home-equity-loan-rates/) - Compare Choice One home equity loan rates, explore terms, and tap into your home’s equity for renovations, debt consolidation, or major expenses.
- [Home Equity Loans](https://choiceone.org/loans/home-equity-loans/) - Unlock your home's value with a fixed-rate home equity loan from Choice One Community Credit Union. Competitive rates and local NEPA service.
- [Auto Loan Refinancing](https://choiceone.org/loans/auto-loan-refinancing/) - Refinance your auto loan with Choice One Community Credit Union. Lower rates, flexible terms, and no prepayment penalties for NEPA drivers.
- [New & Used Car Loans](https://choiceone.org/loans/new-used-car-loans/) - Finance a new or used vehicle with Choice One: competitive rates, flexible terms, pre-approval for stronger negotiating, refinancing options, and local support from your NEPA credit union.
- [Investments & Insurance](https://choiceone.org/services-resources/investments-insurance/) - Reach out to Choice One Community Credit Union or one of our trusted partners to learn more about getting on the path to a more secure financial future.
- [Thank You for Registering](https://choiceone.org/thank-you-for-registering/) - Thank you for registering for the 2026 Choice One Annual Golf Outing.
- [Annual Golf Outing](https://choiceone.org/about-us/annual-golf-outing/) - Join us Friday, September 11th at Wilkes-Barre Municipal Golf Course for the Choice One Annual Golf Outing benefiting The Weinberg Food Bank.
- [Summer Skip-A-Pay](https://choiceone.org/summer-skip-a-pay/) - Skip a loan payment in July or August. Auto, personal, and recreational vehicle loans are eligible.
- [Operation Backpack](https://choiceone.org/backpack/) - Choice One Community Credit Union is joining forces with Volunteers of America Pennsylvania for Operation Backpack! Click the link below to find out how you can donate supplies.
- [Apply For A Loan Online](https://choiceone.org/loans/apply-online/) - Choice One Community Credit Union offers loans to fit your every need. Click to apply for a loan online with ease!
- [uChoose Credit & Debit Card Rewards](https://choiceone.org/uchoose-rewards/) - Choose your own debit & credit card rewards. Earn points on every Choice One card purchase and redeem for travel, gift cards, merchandise, and more.
- [You Missed the Seminar, Not the Opportunity](https://choiceone.org/lets-catch-up/) - Couldn't make the Home Buyer Seminar? No problem. Get the same expert mortgage guidance in a free, one-on-one conversation, on your schedule.
- [Keep the Momentum Going](https://choiceone.org/keep-the-momentum-going/) - You attended the seminar, now take the next step. Schedule a free, no-obligation mortgage consultation with the Choice One lending team.
- [Free Home Buyer Education Seminar](https://choiceone.org/home-buyer-seminar/) - Join us on Thursday, May 7th, at our Plains Township branch for a free Home Buyer Education Seminar.
- [UChoose Debit Card Rewards](https://choiceone.org/checking-saving/checking-accounts-debit-card/uchoose-rewards/) - Sign up for UChoose Debit Card Rewards and earn points to redeem at hundreds of national, regional, local and online retailers.
- [uChoose Credit Card Rewards](https://choiceone.org/loans/visa-credit-cards/uchoose-rewards/) - uChoose Credit Card Rewards gives you more flexibility and choice than ever when it comes to redeeming your reward points. Discover what rewards await you today.
- [RV, Motorcycle, ATV, & Boat](https://choiceone.org/loans/rv-motorcycle-atv-boat/) - Live it up with a recreational vehicle loan from Choice One! We can help you purchase a new or used motor home, motorcycle, ATV, or boat with a low-rate loan.
- [New & Used Car Loan Rates](https://choiceone.org/loans/new-used-car-loans/new-used-car-loan-rates/) - See today’s Choice One new & used car loan rates, compare terms, and apply online in minutes. Explore options for purchases or refinancing.
- [VISA Credit Cards®](https://choiceone.org/loans/visa-credit-cards/) - Choice One VISA® credit cards combine local service with low fixed rates, balance transfer savings, no annual fee, and rewards, perfect for everyday spending.
- [The Fast Lane to Lower Payments](https://choiceone.org/loans/the-fast-lane-to-lower-payments/) - Auto loans featuring low rates and flexible terms. Pre-approved in minutes. Refinance today. Serving NEPA.
- [Dealer Financing](https://choiceone.org/loans/dealer-financing/) - Secure your low rate Choice One auto loan at the dealership and drive home with your new or used vehicle today.
- [Enroll in Zelle® Today](https://choiceone.org/services-resources/zelle/) - We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.
- [You're Registered!](https://choiceone.org/seminar-thank-you/) - You’ve taken a great first step toward homeownership. We’ll see you on May 7th. Event Details Date: Thursday, May 7, 2026 Time: 6:00 PM – 8:00 PM Location: Choice One Plains Branch (501 E. Main Street, Plains Township, PA 18702) Cost: FREE What to Expect You’ll hear from four local experts covering every stage of
- [Certificate of Deposit (CD)](https://choiceone.org/checking-saving/certificate-of-deposit-cd/) - Keep your savings growing with a Choice One Share Certificate. Learn more about our competitive rates and terms.
- [Annual Meeting 2026](https://choiceone.org/annual-meeting/) - Choice One will hold its Annual Meeting on March 30, 2026, at 6:00 PM at 501 East Main Street, Plains Township, PA. Learn about board director elections, petition nominations, and meeting procedures.
- [VISA Balance Transfer Credit Cards](https://choiceone.org/loans/balance-transfer-credit-cards/) - Consolidate high-interest credit card debt with a balance transfer credit card from Choice One Community Credit Union. Lower rates, no balance transfer fee, and no annual fee.
- [Scam Alerts](https://choiceone.org/services-resources/scam-alerts/) - At Choice One Community Credit Union, we're committed to keeping members of the community up to date with the latest scam alerts and techniques used by fraudsters.
- [Forms and Applications](https://choiceone.org/forms-and-applications/) - If you are looking for an application, form or disclosure for any of our products or services, you should find it here. Simply download the form you need.
- [Home Equity Loans Wilkes Barre](https://choiceone.org/loans/home-equity-wilkes-barre/) - Unlock the value of your home with Choice One's home equity loans in Wilkes Barre, featuring competitive rates and a variety of flexible terms to fit your unique borrowing needs
- [Home Equity Loan Rates Wilkes Barre](https://choiceone.org/home-equity-loan-rates-wilkes-barre/) - Unlock the value of your home for less with competitive home equity loan rates in Wilkes Barre. Apply online today.
- [New Year. No Debt.](https://choiceone.org/new-year-no-debt/) - Consolidate high-interest balances with Choice One. Choose between two great options.
- [Credit Union Locations](https://choiceone.org/about-us/credit-union-locations/) - Find all of our Choice One Credit Unions in Pennsylvania branch locations here. Click here to see the credit union locations most convenient for you.
- [Holiday Schedule & Closures](https://choiceone.org/about-us/holiday-hours/) - Plan your visit. View the official holiday schedule, branch closures, and early dismissal times for Choice One Community Federal Credit Union here.
- [Co-Op Shared Branches](https://choiceone.org/about-us/contact-us/co-op-shared-branches/) - Hundreds of credit unions make it easy for you to access your Choice One accounts and conduct financial transactions nationwide.
- [Financial Wellness](https://choiceone.org/services-resources/financial-wellness/) - Choice One has partnered with GreenPath Financial Wellness to provide members access to resources aimed and improving overall financial health and wellness.
- [Holiday Bucks Personal Loans Are Back!](https://choiceone.org/holiday-bucks/) - Low rate Choice One personal loans designed specifically to provide extra holiday bucks this season.
- [Mortgage Rates](https://choiceone.org/loans/home-mortgage-loans/mortgage-rates/) - Explore current home mortgage rates from Choice One, get a quick quote, and apply online with support from a local NEPA credit union team that knows your market.
- [Personal Loans](https://choiceone.org/loans/personal-loans/) - Choice One personal loans give NEPA residents flexible borrowing for debt consolidation, repairs, medical bills, and more, with fixed rates, set terms, and local guidance.
- [Thanksgiving Food Drive](https://choiceone.org/food-drive/) - Choice One Community Credit Union’s Thanksgiving Food Drive runs Oct 6–Nov 14. Drop non-perishables at any branch and follow our weekly wish list to help local families.
- [Winter Skip-A-Pay](https://choiceone.org/winter-skip-a-pay/) - Skip a loan payment in December or January. Vehicle and personal loans are eligible.
- [Choice Alert](https://choiceone.org/services-resources/identity-fraud-protection/choice-alert/) - Protect yourself against fraud, receive alerts for your transactions, track spending, turn your card off on the spot, and more!
- [Spring Sweepstakes](https://choiceone.org/services-resources/spring-sweepstakes/) - Learn more about how to be entered to win one of 10 $1,000 prizes during the 2025 Spring Sweepstakes.
- [Travel Notifications](https://choiceone.org/services-resources/travel-notifications/) - Ensure a hassle-free vacation with Choice One! Notify us of your travel plans to prevent disruptions with your credit and debit cards.
- [Member Appreciation Day 2025](https://choiceone.org/about-us/member-appreciation/) - Join us Sunday, September 14th, at Knoebels for Member Appreciation Day!
- [Fraud Protection](https://choiceone.org/services-resources/identity-fraud-protection/) - At Choice One Community Credit Union, we want to help you keep your financial information safe and secure. Learn more about CardHub®.
- [Credit Union Auto Loan Rates](https://choiceone.org/credit-union-auto-loan-rates/) - Looking for competitive credit union auto loan rates in NEPA? Choice One Community Credit Union offers great rates for new & used vehicles. Apply today!
- [Introducing IDCheck](https://choiceone.org/idcheck/) - IDCheck makes Shared Branch banking easier and safer. Verify your identity quickly with our new QR code and selfie system. Learn more about protecting your accounts!
- [Mortgage Contact Form Confirmation](https://choiceone.org/mortgage-contact-confirmation/) - Thank you for your interest in a Choice One mortgage loan!
- [National Mortgage Licensing](https://choiceone.org/loans/home-mortgage-loans/national-mortgage-licensing/) - Choice One can help you with your home loans. Apply for a loan today!
- [More Services](https://choiceone.org/services-resources/identity-fraud-protection/more-services/) - Click for more credit union services and information including the Choice One routing number, ATM locator, and payroll deduction.
- [Checking Accounts & Debit Card](https://choiceone.org/checking-saving/checking-accounts-debit-card/) - Choice One checking accounts include no monthly maintenance fees, no minimum deposits, free direct deposit, free payroll deduction options, and more.
- [Make 2025 About Better Banking](https://choiceone.org/better-banking/) - Experience better banking with Choice One's online and mobile banking tools. Pay bills, send money, manage cards, and more.
- [Fee Schedule Changes](https://choiceone.org/about-us/fee-schedule-changes/) - Effective October 1st, 2021 the following changes to the Choice One Community Credit Union Fee Schedule will be implemented.
- [Privacy Policy for the Choice Alert Service](https://choiceone.org/choice-alert-privacy-policy/) - Effective as of January 01, 2021 Introduction. This Privacy Policy describes the types of "Personal Information" (information that is identifiable to a particular person) that is collected (directly or through service providers) in connection with the Choice Alert downloadable application ("App") and related services (collectively, the "Service") offered by your financial institution ("we" or "us").
- [Mobiliti Privacy Policy Rev. 4/18](https://choiceone.org/mobiliti-privacy-policy/) - View the Choice One Community Federal Credit Union Mobiliti Privacy Policy.
- [Join Choice One](https://choiceone.org/join-choice-one/) - Tired of the same old banking experience? Choice One Community Credit Union is different; member-owned, not-for-profit, and focused on you. Join Choice One and experience "people helping people" in action!
- [Why Join Choice One?](https://choiceone.org/join-choice-one/why-choice-one/) - Tired of banks that prioritize profit over people? Discover Choice One Community Credit Union's "people helping people" philosophy. See why you belong!
- [Merger FAQ](https://choiceone.org/merger-faq/) - In an effort to communicate information pertaining to our merger with Community Regional, we've put together a merger FAQ page with answers to common questions about fees, debit cards, checks, and more. Tap the link below to view the FAQ.
- [Online Banking](https://choiceone.org/services-resources/online-banking/) - Choice One online banking is included for all members as part of our Virtual Branch Services. Become a member today to learn more and gain access.
- [MAPS™ Program](https://choiceone.org/loans/maps-program/) - Get behind the wheel of your new ride for less with MAPS™*. Use our online MAPS™* Comparison Calculator to see how much you can potentially save!
- [Contact Us](https://choiceone.org/about-us/contact-us/) - Contact Choice One FCU today to open an account, apply for a loan, and more! We have two convenient locations in Wilkes-Barre and Hazleton, Pennsylvania.
- [Become a Member](https://choiceone.org/join-choice-one/become-a-member/) - Becoming a Choice One Federal Credit Union Member is easy and makes you immediately eligible for the many services we offer. Become a member today!
- [Kingston Branch Relocation](https://choiceone.org/kingston-relocation/) - Choice One Community Credit Union's Kingston branch has a new home! Enjoy a larger lobby, easier parking, and a more convenient drive-thru at our new location at 754 Wyoming Avenue.
- [Mobile Deposit](https://choiceone.org/services-resources/mobile-banking/mobile-deposit/) - Deposit checks by using your smartphone to take a picture of the front and back from almost anywhere.
- [Choice Words Blog](https://choiceone.org/news-community/choice-words-blog/) - Read our Choice Words Blog for tips to improve your financial situation.
- [Online & Mobile Banking Updates](https://choiceone.org/online-mobile-banking-updates/) - Stay informed with the latest updates on Choice One Community Credit Union's online and mobile banking services.
- [Loans](https://choiceone.org/loans/) - Choice One is your one-stop-shop for loans. Learn more about our competitively low rates and flexible terms.
- [Your Choice for Banking in Kingston](https://choiceone.org/your-choice/) - Experience banking like never before with Choice One Community Credit Union. Enjoy personalized service, financial empowerment, and community engagement. Become a member today!
- [Choice One Community FCU Mobile App Privacy Policy](https://choiceone.org/mobile-app-privacy-policy/) - View the Choice One Community FCU Mobile App Privacy Policy.
- [Travel Notification Submission Verification](https://choiceone.org/travel-notifications-thank-you/) - Thank You for Your Submission! Your travel notification has been received. We appreciate you taking the time to inform us of your travel plans. This helps us ensure your trip goes smoothly without any interruptions to your debit card usage. Safe travels and enjoy your journey! Expert Advice When are home equity loans tax deductible?
- [Love My Credit Union Rewards](https://choiceone.org/services-resources/member-discounts-rewards/love-my-credit-union-rewards/) - Get rewards and discounts through the Love My Credit Union Rewards program. Members can save money with companies like TurboTax, H&R Block, and more!
- [Online Bill Pay](https://choiceone.org/services-resources/online-bill-pay/) - Online Bill Pay within Choice One's Virtual Branch Online Banking is the easy, fast, and secure way to pay and receive bills, make external account-to-account transfers, send money to family and friends, and much more.
- [Your Choice Loan](https://choiceone.org/loans/your-choice/) - Discover the Your Choice Loan from Choice One, designed to support your financial journey. Our personalized service and affordable rates make financial success accessible. Learn more today!
- [Youth Savings Accounts](https://choiceone.org/checking-saving/youth-accounts/) - Helping your children learn about money is more important than ever before. Choice One has Youth Savings Accounts to help you get a head start.
- [Club Savings Accounts](https://choiceone.org/checking-saving/club-accounts/) - Need help saving for a specific short term goal? Learn more about Choice One Club Savings Accounts.
- [Savings Account](https://choiceone.org/checking-saving/savings-account/) - At Choice One, your savings account is your share of ownership. Unlike banks, credit unions don't have shareholders. Everything we do is for the member.
- [Savings Account Rates](https://choiceone.org/checking-saving/rates/) - View competitive savings account rates for money market, certificate of deposit and other savings products.
- [Services & Resources Overview](https://choiceone.org/services-resources/overview/) - Choice One makes it easy and convenient to access your credit union loans, accounts and services. Wherever you go you can check account balances, verify...
- [90 Day Balloon Loans](https://choiceone.org/loans/90-day-balloon-loans/) - Choice One 90 Day Balloon Loans can be a great option for short term financing. View our rates and apply online today.
- [President's Message](https://choiceone.org/join-choice-one/why-choice-one/presidents-message/) - Credit union membership is open to anyone who lives, works, worships, attends school, or has a business entity in Luzerne, Lackawanna and Wyoming Counties...
- [Set Up Low Balance Alerts](https://choiceone.org/low-balance-alerts/) - With Online Banking at Choice One, you can easily set up low-balance alerts for your accounts.
- [MessagePay](https://choiceone.org/messagepay/) - Experience the convenience of seamless payments from any external bank account through text, web, or Choice One’s online or mobile banking with MessagePay.
- [Mortgage Loans Hazleton PA](https://choiceone.org/mortgage-loans-hazleton-pa/) - Discover simplified mortgage loans in Hazleton, PA. Enjoy competitive rates and minimal closing costs with Choice One's expert guidance.
- [Mortgage Loans Wilkes Barre PA](https://choiceone.org/mortgage-loans-wilkes-barre/) - Explore top-tier mortgage loans in Wilkes Barre, PA, with Choice One. We offer competitive rates, low closing costs, and personalized service. Start your hassle-free mortgage journey today!
- [Saturday Branch Hours Update](https://choiceone.org/hours-update/) - Discover the latest updates on Saturday branch hours at Choice One Community Credit Union, effective January 1, 2024.
- [Pennsylvania Personal Loans](https://choiceone.org/loans/personal-pennsylvania/) - Unlock affordable borrowing with a Pennsylvania personal loan from Choice One! Available to those who live or work in Luzerne, Lackawanna, or Wyoming counties.
- [Pennsylvania Auto Loans](https://choiceone.org/loans/auto-pennsylvania/) - Get behind the wheel of your dream car with ease! Click to learn why Choice One is Your Choice for Pennsylvania auto loans.
- [Season of Giving & Receiving](https://choiceone.org/season-of-giving/) - Learn more about the Choice One Community Credit Union Season of Giving and Receiving Sweepstakes.
- [eNotices](https://choiceone.org/services-resources/online-banking/notices/) - Discover the future of notification document management with eNotices. Your key to enhanced security and 24/7 access.
- [Member Discounts & Rewards](https://choiceone.org/services-resources/member-discounts-rewards/) - Choice One members receive discounts for Dorney Park, Hersey Park, Movies 14, and more! Join today to take advantage of these special offers.
- [Order & Reorder Checks](https://choiceone.org/services-resources/order-reorder-checks/) - Order or reorder checks from Credit One Federal Credit Union.
- [Welcome to Choice One](https://choiceone.org/welcome/) - Join us Friday, September th at IREM Country Club in Dallas for the Choice One Annual Golf Outing benefiting The Weinberg Food Bank.
- [Ho Ho Home Equity Loans](https://choiceone.org/ho-ho/) - Limited time offer. Take advantage of our home equity and home equity line of credit promotional rates.
- [Debt Protection](https://choiceone.org/debt-protection/) - Learn more about debt protection options at Choice One Community Credit Union.
- [Learning Lounge](https://choiceone.org/services-resources/learning-lounge/) - Visit the Choice One Learning Lounge to access video tutorial and click-thru demo resources to learn more about our online products and services.
- [Vacation Loans](https://choiceone.org/loans/vacation-loans/) - Enjoy some much-needed rest and relaxation or a little adventure with a Choice One vacation loan. This special financing opportunity is available all year long!
- [Personal Line of Credit Rates](https://choiceone.org/loans/personal-loan-line-of-credit/personal-line-of-credit-rates/) - Get a secured or unsecured personal loan and line of credit from your local Scranton credit union, Choice One Community Credit Union. Click to learn more.
- [Personal Loan Line of Credit](https://choiceone.org/loans/personal-loan-line-of-credit/) - Apply easily for a personal loan or line of credit from your local Wilkes-Barre & Scranton credit union, Choice One Community Credit Union. Click to learn more.
- [Personal Loan Rates](https://choiceone.org/loans/personal-loans/personal-loan-rates/) - Take advantage of our low personal loan rates to fund a major purchase, cover unexpected expenses and more. Choice one, a better choice for loans.
- [Loan Rates](https://choiceone.org/loans/loan-rates/) - Make Choice One your one-stop for competitive credit union loan rates for car loans, home equity loans, personal loans, & more. Learn about our low rates & flexible terms.
- [Money Market Accounts](https://choiceone.org/checking-saving/money-market-accounts/) - Choice One Money Market Accounts allow you to earn more on your savings while providing easy access to your money when you need it.
- [After Christmas Personal Loan](https://choiceone.org/after-christmas-personal-loan/) - Low rate Choice One personal loans designed specifically to help with post-holiday credit card debt consolidation.
- [About Us](https://choiceone.org/about-us/) - Learn about the Choice One Community Credit Union. We now serve more than 13,000 credit union members. Find out how Choice One can serve your financial needs.
- [Merger Announcement](https://choiceone.org/merger-announcement/) - Choice One Community Federal Credit Union and Community Regional Credit Union have officially merged. Learn more about our two new Choice One branch locations available to all members.
- [Choice One Checkbook Request](https://choiceone.org/checkbook-request/) - New to Choice One via merger with Community Regional? Learn how to request your new Choice One Community Credit Union checkbook.
- [Endless Pawsabilities](https://choiceone.org/endless-pawsabilities/) - Help us raise month for the Griffin Pond Animal Shelter.
- [Stronger Together](https://choiceone.org/community-regional/) - Choice One & Community Regional are teaming up to provide a better banking experience for everyone! As of June 21st, Community Regional Credit Union voted in favor of officially merging with Choice One Community Federal Credit Union. Members of each credit union will continue to be served by the same great staff that they have
- [American Income Life](https://choiceone.org/services-resources/investments-insurance/american-income-life/) - American Income Life has serviced more than 2 million working families. It specializes in supplemental insurance benefits. Choice One has partnered with AIL to...
- [HELOCs As Low As 2.99% APR*](https://choiceone.org/imagine-the-possibilities-with-a-home-equity-loan/) - Take advantage of our low intro heloc rate to make home improvements, pay off high interest debt, and more.
- [Member Survey](https://choiceone.org/member-survey/) - Complete our member satisfaction survey for your chance to win one of 20 $50 Amazon gift cards.
- [Coronavirus Safety](https://choiceone.org/coronavirus-safety/) - At Choice One, the safety and well-being of our members and staff is always our top priority. We understand that the rapidly changing situation with the coronavirus (COVID-19) can be unsettling. We are closely monitoring developments and looking to experts such as the CDC and WHO for guidance. As a result, we have taken actions to ensure we are keeping your well-being a priority.
- [Your Choice for Personal Loans](https://choiceone.org/loans/your-choice-for-personal-loans/) - Limited time offer. Take advantage of our low promotional personal loan rates.
- [Your Choice for Home Equity Loans](https://choiceone.org/loans/your-choice-for-home-equity-loans/) - Limited time offer. Take advantage of our low promotional fixed-rate home equity loan rates.
- [Your Choice for Auto Loans](https://choiceone.org/loans/your-choice-for-auto-loans/) - Limited time offer. Take advantage of our low promotional auto loan and auto loan refinance rates.
- [Your Choice for Credit Cards](https://choiceone.org/loans/your-choice-for-credit-cards/) - Limited time offer. Take advantage of our low promotional balance transfer credit card rates.
- [Refinance & Save](https://choiceone.org/loans/refinance-and-save/) - Limited time offer. Take advantage of our low promotional refinance rates on auto loans, home equity loans, personal loans, and credit cards.
- [Lending Appointment](https://choiceone.org/about-us/in-branch-appoitment/) - Schedule an in-branch appointment to apply for a loan.
- [Enterprise Car Sales](https://choiceone.org/services-resources/enterprise-car-sales/) - Get pre-approved at Choice One Community Credit Union and take advantage of our great loan rates and terms.
- [VISA Credit Card Rates](https://choiceone.org/loans/visa-credit-cards/visa-credit-card-rates/) - View our competitive VISA Credit Card rates on both Classic & Platinum options. Choice One, a better choice for credit cards.
- [Careers](https://choiceone.org/about-us/careers/) - Looking for a career with good benefits and a great community? Check out the careers at Choice One Federal Credit Union.
- [Mobile Banking](https://choiceone.org/services-resources/mobile-banking/) - The Choice One Mobile Money Application makes it convenient to manage your finances using any cell phone or tablet with Internet access. Better yet, it's free.
- [Mobile Wallet & Payments](https://choiceone.org/services-resources/mobile-banking/mobile-wallet/) - Simplify transactions by storing your Choice One debit and credit card in your mobile wallet for faster, more secure payments.
- [Business Loans](https://choiceone.org/loans/business-loans/) - Choice One business loans provide low rates and flexible terms to help your business grow. Schedule a call today to discuss your financing needs.
- [Home Buyers Guide](https://choiceone.org/choice-one-home-buyers-guide/) - Use our free home buyers guide and take the stress out of the home buying process.
- [Your Choice for Low-Interest Loans](https://choiceone.org/loans/your_choice_for_loans/) - Limited time offer. Take advantage of our low promotional loan rates on personal, auto, and home equity loans, as well as credit cards.
- [Small Personal Loans](https://choiceone.org/personal-loan-consolidation-2/) - Low rate Choice One personal loans designed specifically for after holiday debt consolidation.
- [COVID-19 Member Assistance Program](https://choiceone.org/about-us/member-assistance-program/) - At Choice One, we understand that members may have been financially impacted by the COVID-19 related business shut down, and we're here to help.
- [Use Bill Pay to Honor Those Who Serve](https://choiceone.org/charitable-giving/) - Donate to Operation Homefront just for using online banking. Learn more about qualifying transactions.
- [Personal Loans As Low As 5.74%*](https://choiceone.org/personal-loans-promo/) - Finance a major purchase, pay for unexpected expenses and more with low rate personal loans from Choice One.
- [Mortgage Refinance](https://choiceone.org/loans/mortgage-refinance/) - Refinancing your mortgage can potentially help you achieve a lower monthly payment, pay off your mortgage faster, or both. Learn more about Choice One mortgage refinance rates.
- [eStatements](https://choiceone.org/services-resources/online-banking/statements-estatements/) - Today you can get statements faster without worrying about losing a statement or having it stolen from your mailbox by identity thieves.
- [Article & Resource Library](https://choiceone.org/services-resources/article-resource-library/) - Helpful tips, services and resources you can use to make informed financial decisions and apply for loans, accounts and services are featured here.
- [Branch Re-Opening Update](https://choiceone.org/about-us/branch-re-opening-update/) - We are happy to announce the re-opening of all Choice One branch lobbies Monday thru Friday for normal hours beginning on Monday, April, 12th. Saturdays will continue to be drive-thru only.
- [News & Community](https://choiceone.org/news-community/) - Read the latest news and updates from Choice One Community Credit Union online here.
- [Partial Re-Opening](https://choiceone.org/about-us/partial-branch-opening/) - We are happy to announce the partial re-opening of all Choice One branch lobbies. Click to learn more about our new branch lobby hours of operation.
- [Mortgage Promotion](https://choiceone.org/loans/mortgage-refinance-promo/) - Limited time offer. Take advantage of our mortgage & mortgage refinance rate discount to save.
- [Loan Application Form](https://choiceone.org/loan-application-form/) - Apply for a low rate Choice One Community Credit Union loan online today.
- [Student Loans](https://choiceone.org/loans/student-loans/) - Learn more about student loan options at Choice One Community Credit Union in partnership with Sallie Mae®.
- [Site Map](https://choiceone.org/site-map/) - Choice One Community Credit Union site map.
- [Terms of Use](https://choiceone.org/terms-of-use/) - Choice One Community Credit Union terms of use.
- [College Planning](https://choiceone.org/services-resources/article-resource-library/college-planning/) - For those considering college, here is a breakdown of activities and timelines to help you take charge of your senior year.
- [Debt Protection](https://choiceone.org/loans/debt-protection/) - Protecting your loan payments against death, disability, or involuntary unemployment could help protect your financial situation.
- [Thank You for Applying!](https://choiceone.org/loan-application-form-thank-you/) - Thank you for submitting your Choice One Community Credit Union loan application.
- [Savings Bonds](https://choiceone.org/checking-saving/savings-bonds/) - U.S. Savings Bonds have been encouraging people to save money since 1935. Learn more about saving your money with Choice One.
- [Checking & Savings Accounts](https://choiceone.org/checking-saving/) - Learn more about Choice One Checking & Savings Accounts. Options include standard saving & checking, money market, certificate, investment, youth, vacation accounts and more.
- [Retirement Accounts](https://choiceone.org/checking-saving/retirement-accounts/) - Choice One Retirement Accounts include Traditional IRA, Roth IRA, and Coverdell Educational Savings Account options.
- [CD Rates](https://choiceone.org/checking-saving/certificate-of-deposit-cd/cd-rates/) - View Choice One Community Credit Union competitive CD rates and flexible term options.
- [Services & Resources](https://choiceone.org/services-resources/) - Learn about the Choice One Community Credit Union's services and resources. Learn how to apply for your Choice One Visa Debit Card today!
- [TruStage Insurance: Protect What's Important](https://choiceone.org/services-resources/investments-insurance/trustage-insurance-protect-whats-important/) - Credit union members have access to TruStage™ Insurance products, competitive rates, helpful guidance, and quality trusted products. Learn more today.
- [Privacy Policy](https://choiceone.org/privacy-policy/) - Choice One Community Federal Credit Union’s Online Privacy Policy Choice One Community Federal Credit Union’s mission is that we are committed to exceeding the financial needs of our community membership. We have always strived to deliver our services to all members regardless of location, which translates into use of the newest technologies for service delivery.
- [Lost or Stolen Visa](https://choiceone.org/lost-or-stolen-visa/) - Report a lost or stolen debit or credit card. Your finances are secure with Choice One.
- [Nationwide Insurance](https://choiceone.org/services-resources/investments-insurance/nationwide-insurance/) - Choice One Community Credit Union partners with Nationwide Insurance to offer outstanding insurance products, at very competitive rates. They offer a variety of insurance products including, Auto & Motorcycle Insurance, Homeowners & Property Insurance, Life Insurance and more.
- [Membership FAQ](https://choiceone.org/join-choice-one/why-choice-one/membership-faq/) - Credit unions have many member benefits. Here are some facts about credit unions and how they operate.
- [Mission](https://choiceone.org/about-us/mission/) - Our mission is to provide outstanding financial products, exceptional personal service and to always maintain the safety and soundness of members' funds.

## Categories

- [Uncategorized](https://choiceone.org/category/uncategorized/)
- [Expert Advice](https://choiceone.org/category/expert-advice/)
- [Choice Words Blog](https://choiceone.org/category/choice-words/)

## Tags

- [apply for a personal loan](https://choiceone.org/tag/apply-for-a-personal-loan/)
- [approved for a personal loan](https://choiceone.org/tag/approved-for-a-personal-loan/)
- [choice one](https://choiceone.org/tag/choice-one/)
- [consolidate debt](https://choiceone.org/tag/consolidate-debt/)
- [debt consolidation](https://choiceone.org/tag/debt-consolidation/)
- [qualifying for a personal loan](https://choiceone.org/tag/qualifying-for-a-personal-loan/)
- [secured personal loans](https://choiceone.org/tag/secured-personal-loans/)
- [unsecured personal loans](https://choiceone.org/tag/unsecured-personal-loans/)
- [Choice One Credit Union](https://choiceone.org/tag/choice-one-credit-union/)
- [credit union](https://choiceone.org/tag/credit-union/)
- [personal loans](https://choiceone.org/tag/personal-loans/)
- [vacation loans](https://choiceone.org/tag/vacation-loans/)
- [apply for a heloc](https://choiceone.org/tag/apply-for-a-heloc/)
- [applying for a HELOC](https://choiceone.org/tag/applying-for-a-heloc/)
- [HELOC](https://choiceone.org/tag/heloc/)
- [heloc application](https://choiceone.org/tag/heloc-application/)
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- [debt free](https://choiceone.org/tag/debt-free/)
- [holiday debt consolidation loan](https://choiceone.org/tag/holiday-debt-consolidation-loan/)
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- [plan of attack on debt](https://choiceone.org/tag/plan-of-attack-on-debt/)
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- [strategies to pay down debt](https://choiceone.org/tag/strategies-to-pay-down-debt/)
- [consolidate higher interest debt](https://choiceone.org/tag/consolidate-higher-interest-debt/)
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- [home equity loan](https://choiceone.org/tag/home-equity-loan/)
- [home equity loans](https://choiceone.org/tag/home-equity-loans/)
- [loan](https://choiceone.org/tag/loan/)
- [what is debt consolidation?](https://choiceone.org/tag/what-is-debt-consolidation/)
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- [Choice One Holiday Bucks Loan](https://choiceone.org/tag/choice-one-holiday-bucks-loan/)
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- [find coupons](https://choiceone.org/tag/find-coupons/)
- [holiday loan](https://choiceone.org/tag/holiday-loan/)
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- [top 10 Black Friday Deals](https://choiceone.org/tag/top-10-black-friday-deals/)
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- [credit card vs. personal loan](https://choiceone.org/tag/credit-card-vs-personal-loan/)
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- [loan options](https://choiceone.org/tag/loan-options/)
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- [personal loan](https://choiceone.org/tag/personal-loan/)
- [personal loan for holiday spending](https://choiceone.org/tag/personal-loan-for-holiday-spending/)
- [personal loan rates](https://choiceone.org/tag/personal-loan-rates/)
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- [auto loan](https://choiceone.org/tag/auto-loan/)
- [auto loan answers](https://choiceone.org/tag/auto-loan-answers/)
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- [auto loan refinance](https://choiceone.org/tag/auto-loan-refinance/)
- [auto refi](https://choiceone.org/tag/auto-refi/)
- [auto refinance](https://choiceone.org/tag/auto-refinance/)
- [car loan](https://choiceone.org/tag/car-loan/)
- [car loan answers](https://choiceone.org/tag/car-loan-answers/)
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- [car loan questions](https://choiceone.org/tag/car-loan-questions/)
- [car loan refinance](https://choiceone.org/tag/car-loan-refinance/)
- [car refi](https://choiceone.org/tag/car-refi/)
- [car refinance](https://choiceone.org/tag/car-refinance/)
- [credit rating](https://choiceone.org/tag/credit-rating/)
- [apply for a car loan online](https://choiceone.org/tag/apply-for-a-car-loan-online/)
- [auto loan deals](https://choiceone.org/tag/auto-loan-deals/)
- [blog](https://choiceone.org/tag/blog/)
- [car loan interest rate](https://choiceone.org/tag/car-loan-interest-rate/)
- [car loans](https://choiceone.org/tag/car-loans/)
- [car shopping low-interest car loan](https://choiceone.org/tag/car-shopping-low-interest-car-loan/)
- [downside of a zero percent auto loan](https://choiceone.org/tag/downside-of-a-zero-percent-auto-loan/)
- [get pre-approved for an auto loan](https://choiceone.org/tag/get-pre-approved-for-an-auto-loan/)
- [lend money](https://choiceone.org/tag/lend-money/)
- [pre-approval for an auto loan](https://choiceone.org/tag/pre-approval-for-an-auto-loan/)
- [searching for a new car](https://choiceone.org/tag/searching-for-a-new-car/)
- [see interest rates](https://choiceone.org/tag/see-interest-rates/)
- [zero percent auto loan](https://choiceone.org/tag/zero-percent-auto-loan/)
- [zero percent financing](https://choiceone.org/tag/zero-percent-financing/)
- [zero percent interest loan](https://choiceone.org/tag/zero-percent-interest-loan/)
- [zero percent loan](https://choiceone.org/tag/zero-percent-loan/)
- [zero percent rate](https://choiceone.org/tag/zero-percent-rate/)
- [family halloween fun](https://choiceone.org/tag/family-halloween-fun/)
- [halloween fun](https://choiceone.org/tag/halloween-fun/)
- [halloween safety](https://choiceone.org/tag/halloween-safety/)
- [halloween safety tips](https://choiceone.org/tag/halloween-safety-tips/)
- [local family fun](https://choiceone.org/tag/local-family-fun/)
- [trunk or treat](https://choiceone.org/tag/trunk-or-treat/)
- [balance transfer](https://choiceone.org/tag/balance-transfer/)
- [balance transfer offers](https://choiceone.org/tag/balance-transfer-offers/)
- [balance transfer rate](https://choiceone.org/tag/balance-transfer-rate/)
- [credit card fraud](https://choiceone.org/tag/credit-card-fraud/)
- [credit card payment](https://choiceone.org/tag/credit-card-payment/)
- [credit card use](https://choiceone.org/tag/credit-card-use/)
- [high interest credit card debt](https://choiceone.org/tag/high-interest-credit-card-debt/)
- [improve credit score](https://choiceone.org/tag/improve-credit-score/)
- [rewards credit card](https://choiceone.org/tag/rewards-credit-card/)
- [smart credit card use](https://choiceone.org/tag/smart-credit-card-use/)
- [breast cancer](https://choiceone.org/tag/breast-cancer/)
- [breast cancer awareness month](https://choiceone.org/tag/breast-cancer-awareness-month/)
- [Candy’s Place](https://choiceone.org/tag/candys-place/)
- [invasive breast cancer](https://choiceone.org/tag/invasive-breast-cancer/)
- [promote early detection of breast cancer](https://choiceone.org/tag/promote-early-detection-of-breast-cancer/)
- [reduce the risks of breast cancer](https://choiceone.org/tag/reduce-the-risks-of-breast-cancer/)
- [regular breast cancer screenings](https://choiceone.org/tag/regular-breast-cancer-screenings/)
- [self-examination of breasts](https://choiceone.org/tag/self-examination-of-breasts/)
- [signs and symptoms of breast cancer](https://choiceone.org/tag/signs-and-symptoms-of-breast-cancer/)
- [apps for fantastic deals](https://choiceone.org/tag/apps-for-fantastic-deals/)
- [big shopping days](https://choiceone.org/tag/big-shopping-days/)
- [budget for gifts](https://choiceone.org/tag/budget-for-gifts/)
- [club accounts](https://choiceone.org/tag/club-accounts/)
- [comparison shop](https://choiceone.org/tag/comparison-shop/)
- [cost of holiday shopping](https://choiceone.org/tag/cost-of-holiday-shopping/)
- [credit union club accounts](https://choiceone.org/tag/credit-union-club-accounts/)
- [get creative with gift giving](https://choiceone.org/tag/get-creative-with-gift-giving/)
- [holiday budget](https://choiceone.org/tag/holiday-budget/)
- [holiday club accounts](https://choiceone.org/tag/holiday-club-accounts/)
- [holiday shopping deals](https://choiceone.org/tag/holiday-shopping-deals/)
- [lines of credit](https://choiceone.org/tag/lines-of-credit/)
- [low interest personal loans](https://choiceone.org/tag/low-interest-personal-loans/)
- [no annual fee VISA card](https://choiceone.org/tag/no-annual-fee-visa-card/)
- [research the shopping deals](https://choiceone.org/tag/research-the-shopping-deals/)
- [save for holiday shopping](https://choiceone.org/tag/save-for-holiday-shopping/)
- [save for the holidays](https://choiceone.org/tag/save-for-the-holidays/)
- [start saving for your holiday shopping](https://choiceone.org/tag/start-saving-for-your-holiday-shopping/)
- [tips to save on holiday shopping](https://choiceone.org/tag/tips-to-save-on-holiday-shopping/)
- [apple picking](https://choiceone.org/tag/apple-picking/)
- [fall hiking in NEPA](https://choiceone.org/tag/fall-hiking-in-nepa/)
- [fall in NEPA](https://choiceone.org/tag/fall-in-nepa/)
- [fall in Northeastern Pennsylvania](https://choiceone.org/tag/fall-in-northeastern-pennsylvania/)
- [fall tips](https://choiceone.org/tag/fall-tips/)
- [favorite credit union](https://choiceone.org/tag/favorite-credit-union/)
- [hike in NEPA](https://choiceone.org/tag/hike-in-nepa/)
- [NEPA](https://choiceone.org/tag/nepa/)
- [NEPA fall festival](https://choiceone.org/tag/nepa-fall-festival/)
- [NEPA ghost tours](https://choiceone.org/tag/nepa-ghost-tours/)
- [six ways to enjoy fall in NEPA](https://choiceone.org/tag/six-ways-to-enjoy-fall-in-nepa/)
- [apply online](https://choiceone.org/tag/apply-online/)
- [applying for a home equity loan](https://choiceone.org/tag/applying-for-a-home-equity-loan/)
- [applying for a loan](https://choiceone.org/tag/applying-for-a-loan/)
- [borrowing against the equity in your home](https://choiceone.org/tag/borrowing-against-the-equity-in-your-home/)
- [equity in your home](https://choiceone.org/tag/equity-in-your-home/)
- [fixed rate home equity loan](https://choiceone.org/tag/fixed-rate-home-equity-loan/)
- [HEILs](https://choiceone.org/tag/heils/)
- [home equity installment loans](https://choiceone.org/tag/home-equity-installment-loans/)
- [home equity loan rates](https://choiceone.org/tag/home-equity-loan-rates/)
- [home improvement projects](https://choiceone.org/tag/home-improvement-projects/)
- [leveraging the equity in your home](https://choiceone.org/tag/leveraging-the-equity-in-your-home/)
- [loans](https://choiceone.org/tag/loans/)
- [no fee home equity loan](https://choiceone.org/tag/no-fee-home-equity-loan/)
- [paying down debt](https://choiceone.org/tag/paying-down-debt/)
- [secured personal loan](https://choiceone.org/tag/secured-personal-loan/)
- [shopping for a home equity loan](https://choiceone.org/tag/shopping-for-a-home-equity-loan/)
- [unsecured loan](https://choiceone.org/tag/unsecured-loan/)
- [check your statements](https://choiceone.org/tag/check-your-statements/)
- [Choice Word blog](https://choiceone.org/tag/choice-word-blog/)
- [credit report](https://choiceone.org/tag/credit-report/)
- [fraud alert](https://choiceone.org/tag/fraud-alert/)
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- [fraud-related account takeover](https://choiceone.org/tag/fraud-related-account-takeover/)
- [Id thief](https://choiceone.org/tag/id-thief/)
- [identity fraud](https://choiceone.org/tag/identity-fraud/)
- [identity theft](https://choiceone.org/tag/identity-theft/)
- [identity theft cases](https://choiceone.org/tag/identity-theft-cases/)
- [identity theft report](https://choiceone.org/tag/identity-theft-report/)
- [report identity theft](https://choiceone.org/tag/report-identity-theft/)
- [signs of identity theft](https://choiceone.org/tag/signs-of-identity-theft/)
- [signs of possible identity theft](https://choiceone.org/tag/signs-of-possible-identity-theft/)
- [victim of identity theft](https://choiceone.org/tag/victim-of-identity-theft/)
- [what is identity theft](https://choiceone.org/tag/what-is-identity-theft/)
- [Choice Words](https://choiceone.org/tag/choice-words/)
- [first rule of tailgating](https://choiceone.org/tag/first-rule-of-tailgating/)
- [healthier tailgate](https://choiceone.org/tag/healthier-tailgate/)
- [healthy game food makeovers](https://choiceone.org/tag/healthy-game-food-makeovers/)
- [ten healthy tailgate tips](https://choiceone.org/tag/ten-healthy-tailgate-tips/)
- [apply for a mortgage](https://choiceone.org/tag/apply-for-a-mortgage/)
- [buying a home](https://choiceone.org/tag/buying-a-home/)
- [Choice Words blog](https://choiceone.org/tag/choice-words-blog/)
- [credit union mortgage](https://choiceone.org/tag/credit-union-mortgage/)
- [get pre-approved](https://choiceone.org/tag/get-pre-approved/)
- [get pre-approved for a mortgage](https://choiceone.org/tag/get-pre-approved-for-a-mortgage/)
- [home-buying](https://choiceone.org/tag/home-buying/)
- [lenders](https://choiceone.org/tag/lenders/)
- [low fixed-rate mortgage loans](https://choiceone.org/tag/low-fixed-rate-mortgage-loans/)
- [mortgage](https://choiceone.org/tag/mortgage/)
- [mortgage loans](https://choiceone.org/tag/mortgage-loans/)
- [mortgage pre-approval](https://choiceone.org/tag/mortgage-pre-approval/)
- [pre-approved for a mortgage](https://choiceone.org/tag/pre-approved-for-a-mortgage/)
- [pre-approved for mortgage](https://choiceone.org/tag/pre-approved-for-mortgage/)
- [ten tips to get the best deal on a home](https://choiceone.org/tag/ten-tips-to-get-the-best-deal-on-a-home/)
- [15 tips for freshmen](https://choiceone.org/tag/15-tips-for-freshmen/)
- [college](https://choiceone.org/tag/college/)
- [college freshman](https://choiceone.org/tag/college-freshman/)
- [credit card options](https://choiceone.org/tag/credit-card-options/)
- [freshmen struggle](https://choiceone.org/tag/freshmen-struggle/)
- [heading off to college](https://choiceone.org/tag/heading-off-to-college/)
- [manage your money wisely](https://choiceone.org/tag/manage-your-money-wisely/)
- [member of Choice One](https://choiceone.org/tag/member-of-choice-one/)
- [mobile banking](https://choiceone.org/tag/mobile-banking/)
- [mobile wallet](https://choiceone.org/tag/mobile-wallet/)
- [online banking technology](https://choiceone.org/tag/online-banking-technology/)
- [online bill pay](https://choiceone.org/tag/online-bill-pay/)
- [savings accounts](https://choiceone.org/tag/savings-accounts/)
- [surviving your freshman year](https://choiceone.org/tag/surviving-your-freshman-year/)
- [back to school costs](https://choiceone.org/tag/back-to-school-costs/)
- [back to school savings](https://choiceone.org/tag/back-to-school-savings/)
- [back to school shopping](https://choiceone.org/tag/back-to-school-shopping/)
- [budget Choice One credit card](https://choiceone.org/tag/budget-choice-one-credit-card/)
- [money saving apps](https://choiceone.org/tag/money-saving-apps/)
- [school shopping](https://choiceone.org/tag/school-shopping/)
- [school shopping needs](https://choiceone.org/tag/school-shopping-needs/)
- [shopping budget](https://choiceone.org/tag/shopping-budget/)
- [ten tips for school shopping](https://choiceone.org/tag/ten-tips-for-school-shopping/)
- [tips to help](https://choiceone.org/tag/tips-to-help/)
- [app-based payment](https://choiceone.org/tag/app-based-payment/)
- [Apple Pay](https://choiceone.org/tag/apple-pay/)
- [credit and debit cards](https://choiceone.org/tag/credit-and-debit-cards/)
- [debit cards](https://choiceone.org/tag/debit-cards/)
- [digital wallets](https://choiceone.org/tag/digital-wallets/)
- [Google Pay](https://choiceone.org/tag/google-pay/)
- [mobile wallet benefits](https://choiceone.org/tag/mobile-wallet-benefits/)
- [mobile wallets](https://choiceone.org/tag/mobile-wallets/)
- [Samsung Pay](https://choiceone.org/tag/samsung-pay/)
- [Visa card](https://choiceone.org/tag/visa-card/)
- [home equity](https://choiceone.org/tag/home-equity/)
- [apply for credit card](https://choiceone.org/tag/apply-for-credit-card/)
- [Choice One Credit Union Visa card](https://choiceone.org/tag/choice-one-credit-union-visa-card/)
- [classic or platinum Visa card](https://choiceone.org/tag/classic-or-platinum-visa-card/)
- [credit card offer Wilkes-](https://choiceone.org/tag/credit-card-offer-wilkes/)
- [credit card offers](https://choiceone.org/tag/credit-card-offers/)
- [credit card points](https://choiceone.org/tag/credit-card-points/)
- [great rewards](https://choiceone.org/tag/great-rewards/)
- [no annual fee](https://choiceone.org/tag/no-annual-fee/)
- [redeeming points](https://choiceone.org/tag/redeeming-points/)
- [reward credit cards](https://choiceone.org/tag/reward-credit-cards/)
- [rewards credit cards](https://choiceone.org/tag/rewards-credit-cards/)
- [rewards-based credit cards](https://choiceone.org/tag/rewards-based-credit-cards/)
- [the best credit card](https://choiceone.org/tag/the-best-credit-card/)
- [UChoose rewards](https://choiceone.org/tag/uchoose-rewards/)
- [VISA](https://choiceone.org/tag/visa/)
- [Wilkes-Barre Credit Union](https://choiceone.org/tag/wilkes-barre-credit-union/)
- [CardValet](https://choiceone.org/tag/cardvalet/)
- [CardValet app](https://choiceone.org/tag/cardvalet-app/)
- [control over your debit card](https://choiceone.org/tag/control-over-your-debit-card/)
- [Credit union in Wilkes-Barre](https://choiceone.org/tag/credit-union-in-wilkes-barre/)
- [debit card](https://choiceone.org/tag/debit-card/)
- [debit card protection](https://choiceone.org/tag/debit-card-protection/)
- [ID theft & fraud](https://choiceone.org/tag/id-theft-fraud/)
- [member of Choice One Community Credit Union](https://choiceone.org/tag/member-of-choice-one-community-credit-union/)
- [protect your debit card](https://choiceone.org/tag/protect-your-debit-card/)
- [protect your finances](https://choiceone.org/tag/protect-your-finances/)
- [fire escape plan for pets](https://choiceone.org/tag/fire-escape-plan-for-pets/)
- [fire prevention](https://choiceone.org/tag/fire-prevention/)
- [fire safety tips for pet owners](https://choiceone.org/tag/fire-safety-tips-for-pet-owners/)
- [fire safety tips for pets](https://choiceone.org/tag/fire-safety-tips-for-pets/)
- [hazardous fire](https://choiceone.org/tag/hazardous-fire/)
- [house fire](https://choiceone.org/tag/house-fire/)
- [include pets in fire drills](https://choiceone.org/tag/include-pets-in-fire-drills/)
- [keep your pets safe](https://choiceone.org/tag/keep-your-pets-safe/)
- [National Pet Fire Safety Day](https://choiceone.org/tag/national-pet-fire-safety-day/)
- [pet ID](https://choiceone.org/tag/pet-id/)
- [pet window stickers](https://choiceone.org/tag/pet-window-stickers/)
- [pets](https://choiceone.org/tag/pets/)
- [pets can start fires](https://choiceone.org/tag/pets-can-start-fires/)
- [protect pets](https://choiceone.org/tag/protect-pets/)
- [smoke detectors](https://choiceone.org/tag/smoke-detectors/)
- [stop counter surfing](https://choiceone.org/tag/stop-counter-surfing/)
- [buying a new house](https://choiceone.org/tag/buying-a-new-house/)
- [fixed rate mortgages](https://choiceone.org/tag/fixed-rate-mortgages/)
- [getting a mortgage](https://choiceone.org/tag/getting-a-mortgage/)
- [Hazleton credit union](https://choiceone.org/tag/hazleton-credit-union/)
- [home search resources](https://choiceone.org/tag/home-search-resources/)
- [homeownership](https://choiceone.org/tag/homeownership/)
- [house hunting](https://choiceone.org/tag/house-hunting/)
- [low fixed rate mortgages](https://choiceone.org/tag/low-fixed-rate-mortgages/)
- [mortgage lender](https://choiceone.org/tag/mortgage-lender/)
- [mortgage options](https://choiceone.org/tag/mortgage-options/)
- [owning a home](https://choiceone.org/tag/owning-a-home/)
- [pre-approved mortgage](https://choiceone.org/tag/pre-approved-mortgage/)
- [credit union offices in Wilkes-Barre](https://choiceone.org/tag/credit-union-offices-in-wilkes-barre/)
- [five tips for saving for retirement](https://choiceone.org/tag/five-tips-for-saving-for-retirement/)
- [income during retirement](https://choiceone.org/tag/income-during-retirement/)
- [investment strategy](https://choiceone.org/tag/investment-strategy/)
- [major retirement mistake](https://choiceone.org/tag/major-retirement-mistake/)
- [r](https://choiceone.org/tag/r/)
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- [retirement goal](https://choiceone.org/tag/retirement-goal/)
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- [retirement plan](https://choiceone.org/tag/retirement-plan/)
- [retiring](https://choiceone.org/tag/retiring/)
- [Roth IRA](https://choiceone.org/tag/roth-ira/)
- [saving enough for retirement](https://choiceone.org/tag/saving-enough-for-retirement/)
- [saving for retirement](https://choiceone.org/tag/saving-for-retirement/)
- [Traditional IRA](https://choiceone.org/tag/traditional-ira/)
- [being bullied](https://choiceone.org/tag/being-bullied/)
- [bully](https://choiceone.org/tag/bully/)
- [bully stats](https://choiceone.org/tag/bully-stats/)
- [bullying](https://choiceone.org/tag/bullying/)
- [bullying in schools](https://choiceone.org/tag/bullying-in-schools/)
- [bullying prevention](https://choiceone.org/tag/bullying-prevention/)
- [bullying statistics](https://choiceone.org/tag/bullying-statistics/)
- [criticism](https://choiceone.org/tag/criticism/)
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- [fake stories](https://choiceone.org/tag/fake-stories/)
- [harassment](https://choiceone.org/tag/harassment/)
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- [intimidation](https://choiceone.org/tag/intimidation/)
- [is my child a bully](https://choiceone.org/tag/is-my-child-a-bully/)
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- [malicious behavior](https://choiceone.org/tag/malicious-behavior/)
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- [rumors](https://choiceone.org/tag/rumors/)
- [school bully](https://choiceone.org/tag/school-bully/)
- [schoolyard bullying](https://choiceone.org/tag/schoolyard-bullying/)
- [signs your child is being bullied](https://choiceone.org/tag/signs-your-child-is-being-bullied/)
- [social exclusion](https://choiceone.org/tag/social-exclusion/)
- [speak up](https://choiceone.org/tag/speak-up/)
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- [teach not to bully](https://choiceone.org/tag/teach-not-to-bully/)
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- [threaten](https://choiceone.org/tag/threaten/)
- [threatening comments](https://choiceone.org/tag/threatening-comments/)
- [tips to prevent debit card fraud](https://choiceone.org/tag/tips-to-prevent-debit-card-fraud/)
- [advance deals](https://choiceone.org/tag/advance-deals/)
- [affordable adventure](https://choiceone.org/tag/affordable-adventure/)
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- [CityPass](https://choiceone.org/tag/citypass/)
- [classic credit cards](https://choiceone.org/tag/classic-credit-cards/)
- [fee activities and events](https://choiceone.org/tag/fee-activities-and-events/)
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- [membership discounts](https://choiceone.org/tag/membership-discounts/)
- [money saving vacation tips](https://choiceone.org/tag/money-saving-vacation-tips/)
- [sumer vacation](https://choiceone.org/tag/sumer-vacation/)
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- [UChoose Rewards program](https://choiceone.org/tag/uchoose-rewards-program/)
- [vacation](https://choiceone.org/tag/vacation/)
- [vacation attractions](https://choiceone.org/tag/vacation-attractions/)
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- [value of membership](https://choiceone.org/tag/value-of-membership/)
- [VISA Platinum](https://choiceone.org/tag/visa-platinum/)
- [best airfare](https://choiceone.org/tag/best-airfare/)
- [best airline pricing](https://choiceone.org/tag/best-airline-pricing/)
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- [best flight deals](https://choiceone.org/tag/best-flight-deals/)
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- [cheap airline tickets](https://choiceone.org/tag/cheap-airline-tickets/)
- [cheap airline travel](https://choiceone.org/tag/cheap-airline-travel/)
- [cheap flights](https://choiceone.org/tag/cheap-flights/)
- [discounted flights](https://choiceone.org/tag/discounted-flights/)
- [find the cheapest flights](https://choiceone.org/tag/find-the-cheapest-flights/)
- [flight apps](https://choiceone.org/tag/flight-apps/)
- [save on airfare](https://choiceone.org/tag/save-on-airfare/)
- [save on flights](https://choiceone.org/tag/save-on-flights/)
- [travel apps](https://choiceone.org/tag/travel-apps/)
- [certified financial planner](https://choiceone.org/tag/certified-financial-planner/)
- [financial advice](https://choiceone.org/tag/financial-advice/)
- [financial advisors](https://choiceone.org/tag/financial-advisors/)
- [financial advisory services](https://choiceone.org/tag/financial-advisory-services/)
- [financial markets](https://choiceone.org/tag/financial-markets/)
- [financial objectives](https://choiceone.org/tag/financial-objectives/)
- [financial planning](https://choiceone.org/tag/financial-planning/)
- [financial planning strategies](https://choiceone.org/tag/financial-planning-strategies/)
- [healthy financial future](https://choiceone.org/tag/healthy-financial-future/)
- [hiring a financial advisor](https://choiceone.org/tag/hiring-a-financial-advisor/)
- [investment](https://choiceone.org/tag/investment/)
- [investment products](https://choiceone.org/tag/investment-products/)
- [long-term financial objectives](https://choiceone.org/tag/long-term-financial-objectives/)
- [Members Financial Services](https://choiceone.org/tag/members-financial-services/)
- [money management](https://choiceone.org/tag/money-management/)
- [personal financial specialist](https://choiceone.org/tag/personal-financial-specialist/)
- [registered investment advisor](https://choiceone.org/tag/registered-investment-advisor/)
- [retirement accounts](https://choiceone.org/tag/retirement-accounts/)
- [student loans](https://choiceone.org/tag/student-loans/)
- [tax planning advice](https://choiceone.org/tag/tax-planning-advice/)
- [Apps](https://choiceone.org/tag/apps/)
- [banking digitally](https://choiceone.org/tag/banking-digitally/)
- [bill payer](https://choiceone.org/tag/bill-payer/)
- [check balances](https://choiceone.org/tag/check-balances/)
- [Choice One’s Virtual Branch](https://choiceone.org/tag/choice-ones-virtual-branch/)
- [convenient financial services](https://choiceone.org/tag/convenient-financial-services/)
- [credit union accounts](https://choiceone.org/tag/credit-union-accounts/)
- [financial apps](https://choiceone.org/tag/financial-apps/)
- [forefront of technology](https://choiceone.org/tag/forefront-of-technology/)
- [identify fraudulent activity](https://choiceone.org/tag/identify-fraudulent-activity/)
- [identity theft protection](https://choiceone.org/tag/identity-theft-protection/)
- [Lackawanna county credit union](https://choiceone.org/tag/lackawanna-county-credit-union/)
- [loan payment](https://choiceone.org/tag/loan-payment/)
- [Luzerne county credit union](https://choiceone.org/tag/luzerne-county-credit-union/)
- [manage your cash from any mobile phone](https://choiceone.org/tag/manage-your-cash-from-any-mobile-phone/)
- [manage your money](https://choiceone.org/tag/manage-your-money/)
- [managing your finances](https://choiceone.org/tag/managing-your-finances/)
- [mobile app](https://choiceone.org/tag/mobile-app/)
- [mobile banking usage](https://choiceone.org/tag/mobile-banking-usage/)
- [mobile device](https://choiceone.org/tag/mobile-device/)
- [Mobile Money app](https://choiceone.org/tag/mobile-money-app/)
- [Mobile Money Banking App](https://choiceone.org/tag/mobile-money-banking-app/)
- [mobile phone for banking](https://choiceone.org/tag/mobile-phone-for-banking/)
- [mobile phone to bank](https://choiceone.org/tag/mobile-phone-to-bank/)
- [online banking](https://choiceone.org/tag/online-banking/)
- [online security](https://choiceone.org/tag/online-security/)
- [Sherpa Identity Protection](https://choiceone.org/tag/sherpa-identity-protection/)
- [smartphone](https://choiceone.org/tag/smartphone/)
- [tech-focused services](https://choiceone.org/tag/tech-focused-services/)
- [technology](https://choiceone.org/tag/technology/)
- [TouchBanking](https://choiceone.org/tag/touchbanking/)
- [Virtual Branch](https://choiceone.org/tag/virtual-branch/)
- [refinancing your auto loan](https://choiceone.org/tag/refinancing-your-auto-loan/)
- [auto loan interest rate](https://choiceone.org/tag/auto-loan-interest-rate/)
- [auto loan shopping](https://choiceone.org/tag/auto-loan-shopping/)
- [auto loan refinancing](https://choiceone.org/tag/auto-loan-refinancing/)
- [car loan mistakes](https://choiceone.org/tag/car-loan-mistakes/)
- [auto loan rates](https://choiceone.org/tag/auto-loan-rates/)
- [car loan rates](https://choiceone.org/tag/car-loan-rates/)
- [car loan lender](https://choiceone.org/tag/car-loan-lender/)
- [pre-approved for a car loan](https://choiceone.org/tag/pre-approved-for-a-car-loan/)
- [lender](https://choiceone.org/tag/lender/)
- [type of home equity loan](https://choiceone.org/tag/type-of-home-equity-loan/)
- [saving](https://choiceone.org/tag/saving/)
- [balance transfer credit card](https://choiceone.org/tag/balance-transfer-credit-card/)
- [home projects](https://choiceone.org/tag/home-projects/)
- [home remodel loan](https://choiceone.org/tag/home-remodel-loan/)
- [home renovation loan](https://choiceone.org/tag/home-renovation-loan/)
- [kitchen renovation](https://choiceone.org/tag/kitchen-renovation/)
- [kitchen remodel](https://choiceone.org/tag/kitchen-remodel/)
- [kitchen upgrade](https://choiceone.org/tag/kitchen-upgrade/)
- [funding education expenses](https://choiceone.org/tag/funding-education-expenses/)
- [credit card debt consolidation](https://choiceone.org/tag/credit-card-debt-consolidation/)
- [cost-effective financing](https://choiceone.org/tag/cost-effective-financing/)
- [competitive interest rates](https://choiceone.org/tag/competitive-interest-rates/)
- [flexible repayment terms](https://choiceone.org/tag/flexible-repayment-terms/)
- [debt consolidation credit card](https://choiceone.org/tag/debt-consolidation-credit-card/)
- [credit card consolidation](https://choiceone.org/tag/credit-card-consolidation/)
- [debt relief](https://choiceone.org/tag/debt-relief/)
- [credit card debt management](https://choiceone.org/tag/credit-card-debt-management/)
- [debt optimization](https://choiceone.org/tag/debt-optimization/)
- [what is a home equity loan](https://choiceone.org/tag/what-is-a-home-equity-loan/)
- [house-poor](https://choiceone.org/tag/house-poor/)
- [debt detox](https://choiceone.org/tag/debt-detox/)
- [multiple debts](https://choiceone.org/tag/multiple-debts/)
- [balance transfer card](https://choiceone.org/tag/balance-transfer-card/)
- [budgeting](https://choiceone.org/tag/budgeting/)
- [reducing household bills](https://choiceone.org/tag/reducing-household-bills/)
- [credit union rewards](https://choiceone.org/tag/credit-union-rewards/)
- [refinance debt](https://choiceone.org/tag/refinance-debt/)
- [VISA balance transfer credit card](https://choiceone.org/tag/visa-balance-transfer-credit-card/)
- [financial stability](https://choiceone.org/tag/financial-stability/)
- [financial cushion](https://choiceone.org/tag/financial-cushion/)
- [CD](https://choiceone.org/tag/cd/)
- [auto loan refi](https://choiceone.org/tag/auto-loan-refi/)
- [car loan payment](https://choiceone.org/tag/car-loan-payment/)
- [auto loan rate](https://choiceone.org/tag/auto-loan-rate/)
- [common tax scams](https://choiceone.org/tag/common-tax-scams/)
- [prevent fraud](https://choiceone.org/tag/prevent-fraud/)
- [protect yourself from tax scams](https://choiceone.org/tag/protect-yourself-from-tax-scams/)
- [the dangers of tax scams](https://choiceone.org/tag/the-dangers-of-tax-scams/)