Blog

Now is the Time to Start a Christmas Club Account

It’s January and Christmas may be the furthest thing from your mind. However, now is the perfect time to set up your Christmas Club for 2020. If you’re not sure what Christmas Club is or how it can help you manage Christmas expenses, keep reading. What Is Christmas Club? Christmas Club is a program offered

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2018 Farm Bill Updates

By Kathy Perkinson Make Your Appointment Now The local FSA offices are now taking appointments for updating yields, making PLC/ARC elections, enrolling in the PLC/ARC programs and updating farm information such as changes in ownership and new leases. The County Executive Directors urge you to make appointments early to beat the rush before the first

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Before You Buy an Existing Business – Part 2

By Michael Breisch In part one of our series on buying a business, we looked at key points to consider when evaluating a purchase. Once you’ve completed that initial evaluation, now it is time to consider some additional aspects of the business you are considering for purchase and to determine whether buying the business is

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Things to Consider Before Buying an Existing Business

By Mike Breisch If you are looking at expanding your current business or if you’re wanting to become a business owner, then an investment that is worth considering is buying an existing business. If the purchase of a business is an option you are considering, there are several factors you may want to consider when

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Answers to Questions About Private Mortgage Insurance (PMI)

By Andrea Eldert, NMLS #1094715 Insurance is a fact of life. It provides security in the case that things don’t go as planned. Health insurance covers the cost of medical care during an illness or injury. Auto insurance covers the cost of car repairs. Homeowners insurance pays for the damage done to a home. So

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The Benefits and Risks of a HELOC

By Cindy Cabbage, NMLS#794021 You may have heard your friends or co-workers talking about a HELOC and wondered what this is. No, it’s not a super-strong security device used for keeping your treasured possessions safe. A HELOC is an acronym for a Home Equity Line of Credit, and many homeowners find it a convenient and

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Learn More About the Rural Development Mortgage

By Andrea Eldert Every home is unique, and every homeowner is an individual. So why should all mortgages be the same? At Federated Bank, we don’t think they should be. While the traditional mortgage is right for some people, others don’t fit into the traditional mold. This doesn’t mean that homeownership isn’t a possibility. As

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The True Cost of Buying a Car

By Michael Breisch The process of buying a car can be both confusing and exhausting. Various opportunities are available to potential car buyers, including purchase at car dealerships, through personal auto sales, or online. Buyers who don’t want to be taken for a ride on an auto purchase know they need to be knowledgeable about

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How is Your Credit Score Calculated?

It’s no secret – your credit score (also known as a FICO score) can have a huge impact on your financial future. A poor credit score may affect your ability to secure financing, increase the interest rate on loans you do qualify for, or limit your access to services, such as cell phone contracts, apartment

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Reminders to Help You Avoid Fraud

Capital One recently announced that they had experienced a data breach in which many as 100 million cardholder accounts and applications were exposed. While this data breach only affects Capital One cardholders, it underscores the vulnerability we all face and the need to take steps to protect ourselves from fraud. At Federated Bank, we are

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