Understanding Your Debt-to-Income Ratio

Understanding Your Debt-to-Income Ratio

As you start getting older you may find yourself in need of a home loan, car loan or even a credit card. When going through the loan application process, there is a of questions that gauge your ability to repay the loan and a financial ratio that your lender will look...
Building a Better Budget in the New Year

Building a Better Budget in the New Year

Do you cringe or get excited over the word Budget? For many, budgeting can be a struggle as you try to align your financial goals with your spending habits but building a personalized budget can help reduce your financial stress. The biggest question is, how do you...
Card Controls – For Your Peace of Mind

Card Controls – For Your Peace of Mind

Fraud has been a rising concern to many individuals. Scammers have found new and more deceptive ways to access an individual’s identity, account information and personal login credentials. As a trusted financial institution, we are always looking for innovative ways...
Are Checks Outdated?

Are Checks Outdated?

In today’s digital age, there are reports of fewer and fewer checks being ordered every year. However, there are still many businesses and individuals who like using checks because it shows a paper trail. There is one significant threat that can happen when using...
Traditional Banks versus Fintech Banks

Traditional Banks versus Fintech Banks

Have you heard the word Fintech swirling around the internet? Are you like most and trying to determine what a Fintech means and why are people talking about Fintech Banks? Traditional banking doesn’t seem to be broken, but yet everyone is talking about how Fintech...
Teaching Children about Money and Savings

Teaching Children about Money and Savings

Healthy money habits can be inherited from one generation to the next. Sometimes that isn’t the case depending on your parents’ relationship with money and how they valued a dollar. However, if you are planning on having children or looking to get your children on a...
Financial Planning for Beginners

Financial Planning for Beginners

It’s never too early to start planning for a better financial future. Many individuals find themselves questioning whether they are on the right track to a better financial future while others may not know where to begin. At First Savings Bank, one of our goals is to...
The Building Blocks of Credit

The Building Blocks of Credit

Have you ever heard someone refer to the 4 Cs of credit? There are four main pillars that a creditor will use to evaluate a borrower’s creditworthiness. Character, capacity, collateral and capital are all key items you should review prior to submitting a loan request....
Debunking Homeownership Myths

Debunking Homeownership Myths

The warmer months bring many consumers on the hunt for the perfect home. However, it is surprising the number of myths that many homebuyers think before stepping into our offices. Let us help sort out the facts from the fiction. Myth – All home improvements add...
What is Treasury Management?

What is Treasury Management?

Are you a small business owner that has often wondered if there are financial solutions that benefit your business? Every business is unique, and your services shouldn’t be built as a one size fits all, because every business has a different goal in mind. Treasury...

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