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Financial Education

The Psychology of Spending

The Psychology of Spending title=

April 28, 2016 | Return to the CNB Homepage

Have you ever gone shopping with the intention of purchasing one new pair of shoes and ended up with two new pairs along with two new outfits?  Retailers may love you, but if your overspending becomes a habit, the consequences can be damaging.  Psychologists have found that there... » Read more

What is Private Mortgage Insurance?

What is Private Mortgage Insurance? title=

March 23, 2016 | Return to the CNB Homepage

By Brenda Carpenter, Assistant Vice President – Mortgage Loans What is Private Mortgage Insurance? Why do I have to have it? These are common questions when someone is looking for a mortgage, especially from first-time homebuyers, and it can be confusing. Before the creation of Private Mortgage Insurance (PMI), when... » Read more

Fraud Alert: IRS Scam

Fraud Alert: IRS Scam title=

January 20, 2016 | Return to the CNB Homepage

By Jason Hanson, Network and Web Service Administrator There is a common scam that happens every year around tax preparation time. Scammers pose as representatives of the Internal Revenue Service (IRS) over the phone or in an email. The goal of this scam is to frighten you out of your... » Read more

Do I need a Business Plan?

Do I need a Business Plan? title=

December 18, 2015 | Return to the CNB Homepage

By Eric Potes, Assistant Vice President - Commercial Loans The question I hear the most from business applicants is, “Do I need a business plan to apply for a loan?”  An article in Bloomberg has often been cited saying 8/10 businesses fail within 18 months.  Those figures seem... » Read more

Be Wise About Credit Cards

Be Wise About Credit Cards title=

November 18, 2015 | Return to the CNB Homepage

By Linda Cavasin, Branch Officer - Spring Arbor Today the vast majority of merchants and retailers accept credit cards.  There are very few things you ever need to buy that cannot be paid for with a credit card.   But the convenience has a downside.  Credit cards... » Read more

Anatomy of a Credit Score

Anatomy of a Credit Score title=

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

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