The FutureTrack Blog
Explore our library of articles, tips and advice to help increase your financial knowledge and achieve your life goals.
Featured Article
Smarter Spending: Banking Technology is Here to Help
Getting a handle on your spending and staying on budget are key to reaching your financial goals. But as many of us know, that’s easier said than done. Fortunately, you many need to look no further than the technology yo...
Read More > Celebrating Financial Literacy Month: USB’s FutureTrack Coaches Answer Your Top Financial Questions
At Union Savings Bank, we believe that financial empowerment starts with education and personalized guidance. That’s why…
End the Year Strong with a 2025 Financial Game Plan
With the end of 2024 fast approaching, now is the perfect time to take stock of your finances and make adjustments that …
Busy Life? Streamline Your Finances with FutureTrack
With a jam-packed schedule, it can feel like there’s never enough time to manage your finances properly. With work, fami…
Celebrating Financial Literacy Month: USB’s FutureTrack Coaches Answer Your Top Financial Questions
At Union Savings Bank, we believe that financial empowerment starts with education and personalized guidance. That’s why…
End the Year Strong with a 2025 Financial Game Plan
With the end of 2024 fast approaching, now is the perfect time to take stock of your finances and make adjustments that …
Busy Life? Streamline Your Finances with FutureTrack
With a jam-packed schedule, it can feel like there’s never enough time to manage your finances properly. With work, fami…
Fixed Rate vs. ARM Mortgages: Which Is Right for You?
You’ve found your dream home—congratulations! Now comes one of the most important decisions in your homebuying journey: …
The Importance of Stable Mortgage Rates: Why It Matters for Homebuyers and Realtors
In today’s fast-paced housing market, one thing can make or break a buyer’s confidence: rate stability. Whether you’re a…
Building Made Simple: A Better Approach to Construction Loans
Building your dream home should be exciting—not stressful. Yet, for many, the financing process can feel like a maze of …
Fixed Rate vs. ARM Mortgages: Which Is Right for You?
You’ve found your dream home—congratulations! Now comes one of the most important decisions in your homebuying journey: …
The Importance of Stable Mortgage Rates: Why It Matters for Homebuyers and Realtors
In today’s fast-paced housing market, one thing can make or break a buyer’s confidence: rate stability. Whether you’re a…
Building Made Simple: A Better Approach to Construction Loans
Building your dream home should be exciting—not stressful. Yet, for many, the financing process can feel like a maze of …
5 Benefits of Working with a Financial Planner
Whether you are at the beginning of your career, or you are approaching retirement, the key to being set up for a strong…
How the Latest IRS Announcement Can Affect Your Retirement Savings in 2024
Late last year, The Internal Revenue Service (IRS) revealed a few changes to the rules around retirement plan contributi…
How to Plan Your Financial Life in a Sensible Way
Written by: Pat Carlson, Senior Vice President, Wealth Management & Trust Department Manager
What is my personal net wor…
5 Benefits of Working with a Financial Planner
Whether you are at the beginning of your career, or you are approaching retirement, the key to being set up for a strong…
How the Latest IRS Announcement Can Affect Your Retirement Savings in 2024
Late last year, The Internal Revenue Service (IRS) revealed a few changes to the rules around retirement plan contributi…
How to Plan Your Financial Life in a Sensible Way
Written by: Pat Carlson, Senior Vice President, Wealth Management & Trust Department Manager
What is my personal net wor…
How to Protect Yourself from Cyber Threats
In 2024, cybercrime is projected to cost the global economy $9.5 trillion, which would make it the world’s third-largest…
How to Send Money with Zelle® Safely
Zelle® is a fast, safe and easy way to send and receive money with people you trust, like your babysitter, your fellow P…
Privacy Tips for Older Adults
June 15 is World Elder Abuse Awareness Day, a time to spotlight the importance of safeguarding older adults from financi…
How to Protect Yourself from Cyber Threats
In 2024, cybercrime is projected to cost the global economy $9.5 trillion, which would make it the world’s third-largest…
How to Send Money with Zelle® Safely
Zelle® is a fast, safe and easy way to send and receive money with people you trust, like your babysitter, your fellow P…
Privacy Tips for Older Adults
June 15 is World Elder Abuse Awareness Day, a time to spotlight the importance of safeguarding older adults from financi…
How to Attend All of Your Friends’ Weddings Without Going Broke
If you feel like your Instagram feed has been bombarded with a disproportionate number of engagement announcements latel…
Creative and Budget-Friendly Valentine’s Day Gift Ideas
With holiday shopping still on your mind (and in your budget) it’s hard to believe that Valentine’s Day is just around t…
5 Affordable Gift Ideas that Keep on Giving
You spend weeks and even months planning your holiday shopping budget and hunting down the perfect gifts for loved ones….
How to Attend All of Your Friends’ Weddings Without Going Broke
If you feel like your Instagram feed has been bombarded with a disproportionate number of engagement announcements latel…
Creative and Budget-Friendly Valentine’s Day Gift Ideas
With holiday shopping still on your mind (and in your budget) it’s hard to believe that Valentine’s Day is just around t…
5 Affordable Gift Ideas that Keep on Giving
You spend weeks and even months planning your holiday shopping budget and hunting down the perfect gifts for loved ones….
Everything You Need to Know About Opening a 529
When it comes to saving for college, a popular option for parents today is to open a 529 plan — and for good reason. Unl…
Your Student Loans are Paid Off. Here’s the First Thing You Should Do
It’s the moment you’ve been saving, budgeting and planning for since the day you threw your graduation cap in the air: y…
Filing for FAFSA? Make Your Student Loan Repayment Plan Now
If you will be sending the kids in your life off to college next year, then you are probably getting ready to file the F…
Everything You Need to Know About Opening a 529
When it comes to saving for college, a popular option for parents today is to open a 529 plan — and for good reason. Unl…
Your Student Loans are Paid Off. Here’s the First Thing You Should Do
It’s the moment you’ve been saving, budgeting and planning for since the day you threw your graduation cap in the air: y…
Filing for FAFSA? Make Your Student Loan Repayment Plan Now
If you will be sending the kids in your life off to college next year, then you are probably getting ready to file the F…