My Credit Union Crowley

09/02/2026

Way to go Crowley!

09/02/2026

08/30/2026

**💡 APR vs. Interest Rate: What’s the Difference?**

If you’re shopping for a loan, you may see both an **interest rate** and an **APR**. But what do they actually mean? 🤔

📌 **Interest Rate**
The interest rate is the percentage charged on the money you borrow. It helps determine how much interest you’ll pay over the life of the loan.

📌 **APR (Annual Percentage Rate)**
APR gives you a broader picture of the cost of borrowing. It can include the interest rate **plus certain fees and costs associated with the loan**, expressed as an annual percentage.

🏦 **Why does it matter?**
When comparing loan offers, looking at the APR can help you better understand the overall cost of borrowing—not just the interest rate.

**Quick tip:** Don’t just look at the lowest rate! Consider the **APR, loan term, fees, and total cost** when comparing your options.

08/29/2026

**🚨 BUILD YOUR EMERGENCY FUND—ONE SMALL STEP AT A TIME! 💰**

Life doesn’t always follow the budget. Unexpected car repairs, medical bills, home expenses, or a surprise trip to the mechanic can happen when you least expect them.

That’s why having an **emergency fund** can help give you a financial cushion when life throws you a curveball.

Here are a few simple ways to get started:

💵 **Start small.** Even $10–$25 per paycheck can add up over time.

🏦 **Automate your savings.** Set up an automatic transfer each payday so you can save before you have a chance to spend it.

🎯 **Set a realistic goal.** Start with your first $500 or $1,000, then work toward building enough to cover several months of essential expenses.

🛍️ **Put unexpected money to work.** Consider putting part of a tax refund, bonus, or other extra money into your emergency fund.

👀 **Keep it separate.** A dedicated savings account can make it easier to keep your emergency money available when you truly need it.

Remember, **you don’t have to build your emergency fund overnight.** Small, consistent contributions can make a big difference over time. 💚

**What’s your first savings goal—$500, $1,000, or more? Tell us below! 👇**

08/28/2026

Have a fun & relaxing weekend ya'll!! 😎
The CROWLEY TEAM! 💙

08/27/2026

**🏦 Applying for a Loan? Avoid These Common Mistakes!**

Getting ready to apply for a loan? A little preparation can make the process smoother and help you feel more confident.

Here are a few common mistakes to avoid:

💳 **1. Forgetting to check your credit.** Know where you stand before applying and review your report for errors.

📋 **2. Not knowing your budget.** Before borrowing, make sure the monthly payment fits comfortably into your budget.

💰 **3. Borrowing more than you need.** It can be tempting to take the maximum amount offered, but only borrow what makes sense for your situation.

🔎 **4. Focusing only on the monthly payment.** Consider the interest rate, fees, loan term, and total cost—not just the payment.

📄 **5. Not having your documents ready.** Be prepared to provide **2–3 months of recent pay stubs** and any other documentation your lender may request. Having everything ready can help keep the application process moving.

⏰ **6. Waiting until the last minute.** Give yourself time to gather documents and understand your options before you need the funds.

A little planning today can help you make a more informed borrowing decision tomorrow. 💚

**Have questions about the loan process? We’re here to help!**

08/26/2026

Our friends at the Texas Department of Emergency Management and the United Way of Palo Pinto County reached out to us and asked if we would help share information regarding relief efforts for those impacted by the Ross Fire.

In support of our fellow first responders and the communities affected by these fires, we want to help get their message out.

PLEASE NOTE: The United Way is ONLY requesting financial donations at this time.

They are NOT accepting donations of food, clothing or other physical items. If you would like to help, please consider making a financial contribution using the information provided in the graphic.

Additionally, please do not travel to the affected areas to offer assistance or drop off donations. Unnecessary traffic can interfere with firefighters, law enforcement and emergency personnel actively working in the area. Please allow first responders the space they need to safely do their jobs.

The best way we can support our neighbors right now is to follow the direction of officials on the ground and give through the established relief efforts.

Please keep the residents, first responders and everyone affected by the Ross Fire in your thoughts and prayers.

https://www.zeffy.com/en-US/donation-form/ross-fire-donation-relief