Money Notes

Plain writing about money, mostly answers to things members ask us at the counter.

• Why we still have branches21 April 2026 · The transactions do not need one. The conversations do.
• Before you refinance the car3 March 2026 · The four numbers to have in front of you, and when not to bother.
• How to read a credit report without panicking6 February 2026 · Most of the worry is about things that do not matter.
• What "member-owned" actually changes8 January 2026 · Specific consequences, including the honest downsides.
• Skip a payment in December? Here is the honest arithmetic.12 November 2025 · Not a trick, not free, and you should know which parts are which.