Financial Education

Anatomy of a Credit Score

October 14, 2015 | Return to the CNB Homepage

By Jeff Jackson, Consumer Loan Officer When using credit, whether it is a loan or a credit card, you are borrowing money that you promise to pay back within a specified period of time or under specified terms.  A credit score is one method that lenders use to determine» Read more

EMV Chip Technology: Dip, Hover or Wave

September 16, 2015 | Return to the CNB Homepage

By Amber Kohler, Banking Operations Officer A change is upon us; the swipe is giving way to the dip, the hover or the wave. On October 1st, 2015 a nearly unnoticeable line will have been crossed for payment acceptance in the U.S. A mandate from Visa, MasterCard, American Express and» Read more

How Much House Can You Afford?

August 19, 2015 | Return to the CNB Homepage

  Ready to buy a home? How much can you afford? Determining how much “home you can afford” depends on several important factors including: Your annual gross income. You can get a very rough estimate of the affordable home price range by multiplying you annual gross income by 2.5.» Read more

“Masquerading” Wire Fraud is Big Business

July 14, 2015 | Return to the CNB Homepage

There’s a new email and wire-fraud technique that is gaining momentum. It uses social engineering to try to trick the user into believing that they are communicating with upper level management or the CEO of a company to transfer large amounts of money by wire. This technique, called » Read more

Starting a New Business: How Can CNB Help?

June 18, 2015 | Return to the CNB Homepage

By Ron Haber, 2nd Vice President - Commercial Loans Michele Bachmann is quoted as saying “Small business is the backbone of our economy. I'm for big business, too. But small business is where the jobs are generated.” As the economy slowly churns out of the “Great» Read more

5 Tips for Improving Your Credit Score

May 21, 2015 | Return to the CNB Homepage

By Jeff Jackson, Consumer Loan Officer A good credit score is crucial for your financial health. If you want to borrow money for a car or a mortgage, your credit score will be checked and your interest rate may be tied to how good your credit score is. Sometimes your» Read more

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