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We are pleased to present below all posts archived in 'November 2021'. If you still can't find what you are looking for, try using the search box.
Are you prepared to handle an unexpected expense without going into debt or asking friends and family for help? If the answer is no, you’re not alone. Many Americans say they “would have difficulty handling an emergency expense as small as $400,” according to the Federal Reserve’s sixth annual Survey of Household Economics and Decisionmaking.
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Growing up, you spend your days learning new concepts and gaining the knowledge that will help you succeed in life. Recent surveys, however, have revealed that many people are lacking the basic financial skills to thrive as adults. As with any skill, knowledge isn’t the ultimate goal. Financial literacy must be practiced in order to serve you well as an adult. At Central Bank, we support the young members of our community with specialized banking products and the advice you need to be successful. It’s never too early to start practicing good financial habits that will benefit you throughout life.
Houston is an ideal place for homeownership. When you combine the city’s affordability and robust economy with the overall favorable environment for home ownership—interest rates are still historically low—buying your first home in Houston is definitely worth considering. In this article we’ll look at why buying a home in Houston is a good idea, whether you’re looking to buy a home in Northwest Houston, the Heights, Uptown, Midtown or anywhere in between. Then, we’ll help you assess your own readiness for homeownership. Finally, we’ll walk you through the mortgage application and qualification process so you are ready to begin the home buying process.
Are you looking for a safer way to save? Protect your nest egg with our Certificate of Deposit Account Registry Service®, known as CDARS®. Administered by Promontory Interfinancial Network, a trusted partner of more than 3,000 financial institutions in the U.S., the CDARS service allows you to maintain a single relationship with one bank while receiving FDIC deposit insurance on up to $50 million, far more than the current limit of $250,000 per bank. So, you can continue to deal with CBHOU, the community bank that focuses on you, while receiving the same benefit as would come from holding multiple savings accounts at different financial institutions. As an added bonus, member banks in the CDARS Network swap deposit amounts. This means that, although your savings is divided among different banks, the total amount you deposit in CDARS will go to your primary bank for use with local lending.
As a longtime community bank, we know how to help Houston small businesses through hard times. In this article, you’ll find information and resources to help your operation reopen and recover from the challenges of the pandemic. Have questions? Our relationship bankers are always happy to help.
In this post, Central Bank talks about the next step in running a successful business: scaling up. This process rarely happens by accident—type “business overnight success stories” into your search engine and most of the results have the word ‘myth’ in the headline. Instead, entrepreneurs who successfully scale their businesses usually start with a plan. Here is a step-by-step guide to the process of planning and executing a successful scale-up for your Houston business.
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