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Life Stages - On My Own

» Ah, to be on your own
... making decisions, weighing options, taking responsibility. Independence is a beautiful thing, but it also gives you more to think about. Well, you can cross finding a high-quality, low-cost financial institution off your list when you join Siskiyou Central Credit Union. We can help you make your way in the world with our products and services.
  • Debt Consolidation
    Minimizing debt is one of the corner stones for a successful financial future. Whether you want to consolidate monthly payments or lower your current interest rates, Siskiyou Central Credit Union can help you reach your goal of regaining control of your money.

  • Buying a Car
    Affordable financing makes all the difference. Discover how much you can save with great auto loan rates. By-Pass the hassle by getting pre-approved. Not only will you know how much you can spend, but you can also use this information to negotiate with the dealership for the best price.
    Apply now by logging on to Flex Teller.

    Plus, Siskiyou Central Credit Union also offers protective products and services for both you and your vehicle:

    • Guaranteed Asset Protection (GAP)
    • Credit life and Disability Payment Protection
    • Mechanical Repair Coverage

  • Living Single
    Establishing yourself, much less your financial future, can seem like quite a lot all at once. You have to know the reach of your income, learn how to set goals, make the necessary decisions and plan for the years to come. A good place to start is:
    • By knowing your debt - how much you owe, to whom and what your interest rate is for each account
    • Building a Budget Blueprint
    • Making sure you're covered by insurance
    • Easy to Manage, FREE Checking
    • Simple Savings
    • Planning for your Retirement
  • Establishing Credit
    Establishing good credit is part of building a solid foundation for a bright future, but there's much more to it than simply saying, "Charge it."

    First you need a good, low-rate credit card. We have VISA® Credit Cards available for members with a great low rate, no annual fee, free online account access and more!

    Second, try not to charge more than you can afford, and the best way to do this is to pay-off existing credit card debt before accumulating more. If you keep the number of credit cards in your possession to a minimum, this should remain manageable.

    And finally, paying your credit card bill regularly and on time will help you earn points toward a good credit rating.

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