Applying for a mortgage and buying a new home is exciting and scary all at the same time! There are many angles to a mortgage, some of which have penalties if addressed, and others might be opportunities. Some penalties might include not keeping in mind your credit score, whereas entirely using your first-time homebuyers could…
While there are a lot of big purchases you’ll make in your life, it’s highly likely that buying a home will be the biggest one. It’s also just as likely that you can’t just pay it all off in one go, so naturally, you’ll need to borrow money through a mortgage. All mortgages have interest…
With the current restrictions in place, traveling is nearly impossible. Well, that is if you are trying to go to Mexico. The pandemic has inspired many to consider staycations instead of vacations. So, how does one vacation in their own backyard without blowing their budget? Enjoy a staycation in Osoyoos while saving some money for…
Today our member spotlight features Nikki and Jordan Campbell, who currently reside in Oliver. As a child, Nikki and her family used to vacation in and around the Osoyoos area. The couple has been living here for the past 12 years. Nikki’s parents often came to visit and decided to invest in a property. Initially,…
We are proud to be part of such a great town and excited to be celebrating Osoyoos's 75th birthday alongside the city's 75th anniversary itself! From our humble beginning as our small credit union to our expansion at Rock Creek, we are happy to be continuing the adventure alongside Osoyoos and its fantastic community. With…
Planning out your financial future is sort of like being a parent over your own money. And as parents say, there is no manual for being the perfect mom or dad. There are just things that work and others that don't. Here are some tips to consider when planning the financial future that may work…
Without a doubt this year’s Black Friday sales will be looking a little different, perhaps with a smaller budget playing a large role. Some homes may be a bit limited in spending habits, especially with Christmas around the corner. This year, families may have to budget or strategize their spending. So, how can one make…
There is no doubt about it. Managing your financial fitness plays a large role in our day to day life. To manage your financial fitness is to have the ability to look after all expenses without the worry of debt or financial crisis. Financial Fitness doesn’t just include paying the bills; it also includes…
Financial planning means planning for your future. And while you’ve likely got endless plans for your future, the coronavirus pandemic we’re in the middle of has really shed light on the need for you to plan for unexpected illnesses – as well as all the fun you’ll have when you retire. It’s not fun to…
A sad reality is that there are people who will attempt to take advantage of people during times of uncertainty and fear. We wish it wasn’t so, but it is. Right now, there are cybersecurity scams circulating the internet targeting people who want information about COVID-19. We want to help you protect yourself against them.…