Empowering Communities: The Merits of Community Banking
When I was young, the dream of owning my first car ignited a sense of ambition within me. My father encouraged me to start my journey with a simple act – open a savings account at my local community bank, Security State Bank in Lubbock, Texas. Fueled by this determination and commitment, I deposited my […]
Hispanic Heritage Month – Homeownership
Every year, Hispanic Heritage Month celebrates the many contributions and achievements the Hispanic and Latino communities have contributed to the United States. It allows us to reflect on our culture, family, values, and our successes as a people. It is also used as an avenue to think about the ways our community can continue to […]
The Home Buyers’ Process: Preparing to Buy
September is National Mortgage Professionals Month* You may be buying a home for the first time, or it has been a while since you have gone through the experience. Either way, you may not be completely clear on the current home-buying process, so let us set the correct expectations and transparency for the home buying […]
The Home Buyers’ Process: Why Prequalify?
September is National Mortgage Professionals Month* The first step you should take before even looking at homes is to get prequalified with a mortgage lender. It will help you, as a buyer, better understand your target home price range and what that will mean for your monthly and overall budget. In addition, your realtor will […]
What is a CD and How Can it Benefit Me?
Financial Literacy – CD’s Explained Have you ever wondered what a CD is? For some of you who might remember, we’re not referring to the musical compact disc, which has mostly been replaced by streaming media. A Certificate of Deposit (CD), in bank terms, is a savings tool that allows you to typically earn a […]
Elder Fraud Abuse Prevention
World Elder Abuse Awareness Day FactoidRoughly 20 percent of older Americans fall prey to financial exploitation losing on average $120,000, or a collective $3 billion every year, according to a study from the AARP Public Policy Institute. Be on the Lookout for Elder Financial Abuse Scams It’s an all too unfortunate reality that older adults […]
Staying Engaged With Your Bank
Best Practices to Keep Your Accounts Active You did your research. You learned about FDIC insurance. You found a bank that meets your needs, and you decide to open an account. Next, you meet with your banker, complete the account paperwork, and make an initial deposit. All is going to plan until one day you […]
National Teach Children to Save Day
The 25th annual National Teach Children to Save Day, sponsored by the American Bankers Association, falls on April 27th and it’s a whole day dedicated to encouraging children to develop good money-saving habits. With an early start to saving and an understanding of budgeting their money, children will build life skills as they head into […]
5 Ways to Use Your Tax Refund Wisely
If you have a tax refund coming your way this tax season, it‘s important to put that money to good use. However, there are a lot of options when it comes to spending it or saving it. It may be tempting to blow the extra paycheck all at once, but a tax refund is a […]
Credit Education Video Series
Be Credit Aware! March is Credit Education Month and NDBT’s Director of Credit Operations, Allie Wadley, has prepared a series of videos with topics aimed to help you protect your credit. The four-part series will be released with an episode each week covering topics including how to maintain a healthy credit score, learn how to […]
