Markets and Investing

Karl Madsen of OpteonGroup LLC will present what businesses and banks can do to have a deeper understanding of their partners’ interests, and how to work toward success. The workshop will also include common warning signs that if ignored could...

When does it make sense to refinance your home? This is one of the most important mortgage questions to ask if you want to save money long-term. There are several different options, and these options can be beneficial: Debt consolidation If you have...

What is escrow? Escrow is a legal arrangement where one party places funds into an account to be delivered to another individual or business after certain conditions are met. The account is overseen and funds are transferred by a neutral third party....

Many people think that mortgage interest rates move in correlation with the Federal Funds Rate. But what they don’t know is that the Fed’s actions have little or no effect on mortgage interest rates. For example, the Fed has kept the Fed...

Ten years have passed since we bore witness to the first act of terror on American soil in more than a generation. It affected all of us; our families, our businesses, and our national pride. Following the September 11 attacks, everything changed....

Many people have recently considered refinancing their homes, and there is no time like the present. Freddie Mac said last week that the average U.S. 30-year fixed mortgage rate dropped to 4.15 percent, the lowest it has been in 50 years. Rates based...

Remember the Game of Life board game? My favorite part was pretending to be the banker, which meant I counted and distributed the “play” money. That exercise helped illustrate a basic – but crucial – “life” lesson:...

It’s tempting to tap your 401(k) when you find yourself in a tough spot because it may seem like you’re simply borrowing from yourself. However, tapping your 401k before you turn 59 ½ has many drawbacks and should only be used as a last resort....

Visit Horizon Bank on Facebook Visit the Horizon Bank Website Follow Horizon Bank on Twitter You can get a loan if you do not have credit history or if you have had credit issues in the past. We offer two types of loans for building or...

As a member-owned and operated financial institution, REGIONAL has been serving the needs of its members since 1961. With accounts and services for every stage of life from birth to retirement, we are the institution of choice for many generations of...