Silvana Gjergji

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Celebrating Community Banking for 10 Years!

Posted by Silvana Gjergji on Feb 3, 2017 10:52:56 AM

*APY is Annual Percentage Yield, CD is Certificates of Deposit and IRA is Individual Retirement Account. Interest Rate is 1.30% and APY is 1.31%.  15 Month CD is available for consumers and businesses. 15 Month IRA is available for consumers only. The APY is accurate as of February 1, 2017. To qualify for the promotion, $2,500.00 minimum balance is required to open the account and obtain the APY. $245,000.00 maximum amount is allowed per account at account opening. Fees may reduce earnings. Early withdrawal fees may apply. Offers and rates are subject to change at any time without prior notice. For more information, visit your nearest branch or call 855.541.1000.

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Topics: Great Rates

Startup Costs You Can Cut

Posted by Silvana Gjergji on Jun 26, 2015 11:26:00 AM

Great ways to save when starting a business
 
Entrepreneurs quickly learn that they need to be masters of cost cutting to thrive, and even sometimes to just survive, when bills pile up and payments come in late. Here are some great ways that you can save money when starting a business:
 
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What You Need to Know About Mobile Wallets

Posted by Silvana Gjergji on Jun 18, 2015 10:26:00 AM

Five things you may not have realized about the new payment trend
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Mobile wallets have been on consumers radars for more than two years now, but if you think you know all there is to know about the technology, think again. Here are a few main points about mobile wallets that you should know.
 
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Time to Leave Your Big Bank?

Posted by Silvana Gjergji on Jun 4, 2015 4:44:00 PM

Big Bank vs. Community Bank
 
Community banks are fast emerging as the unsung heroes of the US economic recovery, following the fall-from-grace experienced by their big money-center bank brethren. Is the time right for more consumers and small businesses to take a hard look at their relationship with big banks in favor of community banks?
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Green Ways to Stay Cool in the Summer

Posted by Silvana Gjergji on May 28, 2015 5:52:28 PM

Operating an air conditioner is an $11 billion a year venture for Americans. What’s more, those a/c units release about 100 million tons of carbon monoxide into the air annually — two tons for each home using one, according to WebMD. You can, however, reduce your own carbon footprint while staying cooler this summer, and save some money on electricity costs while you’re at it.

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Shopping In Store vs. Online

Posted by Silvana Gjergji on Feb 2, 2015 2:14:00 PM

Are you the kind of person who enjoys perusing store by store at the mall in the hopes of finding what you need? Or do you prefer to sit at your computer or tablet in the comfort of your own home, filling virtual shopping carts with items?

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Remarkable Financial Statistics And How You Can Affect Them

Posted by Silvana Gjergji on Jan 28, 2015 12:04:13 PM

As you may or may not know, American’s personal finances are in sad shape. The outrageous spending of the government is being mirrored in households across the country, making it hard for many families to live comfortably. Below are some staggering statistics about the state of citizens’ money in the United States, and what you can do to make a change in these numbers.

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Severe Weather Alert - Your Safety Is Important To Us

Posted by Silvana Gjergji on Jan 26, 2015 11:37:00 AM

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Paying Down Debt vs. Investing vs. Saving

Posted by Silvana Gjergji on Jan 26, 2015 9:51:25 AM

Best tactics to improve your bottom line

Paying down debt is a tricky process. Not only is it hard finding the money to do so, and it takes a while, but there are different strategies to employ based on your goals. Some people may contemplate saving throughout the year to get a solid nest egg before starting to pay down on that debt. Others opt to invest in hopes to make more money back in order to pay money off more quickly later. There are many considerations when it comes to deciding what to do with your money. Here are just a few of them.

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Don't Make a Critical Startup Mistake – Pay Yourself First

Posted by Silvana Gjergji on Jan 21, 2015 4:19:14 PM

Why you need to prioritize paying yourself.

When you are starting a small business, there never seems to be enough money to cover all your immediate concerns. Many expenses are non-negotiable, such as buying merchandise, paying rent and paying employee salaries, so you may try to save funds by cutting down on your own salary. Although this seems like an obvious place to save, it can actually be a big mistake.

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