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Visit An Office Near YouMAIN OFFICE
11 N. Second Street
PO Box 171
Clearfield, PA 16830
Phone: (814) 765-7551
Fax: (814) 765-2943
BRIDGE STREET OFFICE
204 Bridge St.
Clearfield, PA 16830
Phone: (814) 765-1645
Fax: (814) 765-2672
GOLDENROD OFFICE
1935 Daisy Street
Clearfield, PA 16830
Phone: (814) 768-5200
Fax : (814) 768-5206
CURWENSVILLE OFFICE
407 Walnut Street
Curwensville, PA 16833
Phone: (814) 236-2441
Fax: (814) 236-4650
DuBOIS OFFICE
91 Beaver Drive
DuBois, PA 15801
Phone: (814) 371-1400
Fax: (814) 371-2903
PHILIPSBURG OFFICE
19 Irwin Drive Extension
Philipsburg, PA 16866
Phone: (814) 342-5750
Fax: (814) 342-7321
PINE GROVE MILLS OFFICE
511 Pine Grove Road
State College, PA 16801
Phone: (814) 238-0578
Fax: (814) 238-1959
HUNTINGDON PLAZA OFFICE
7545 Huntingdon Plaza
Huntingdon, PA 16652
Phone: (814) 643-0350
Fax: (814) 643-8073
HUNTINGDON DOWNTOWN OFFICE
500 Penn Street
Huntingdon, PA 16652
Phone : (814) 643-8042
Fax: (814) 643-8088
MOUNT UNION OFFICE
16 W Shirley Street
Mount Union, PA 17066
Phone: (814) 542-2591
Fax: (814) 542-4074
SAXTON OFFICE
729 Main Street
Saxton, PA 16678
Phone: (814) 635-2954
Fax: (814) 635-2387
THREE SPRINGS OFFICE
8384 Ashman Street
Three Springs, PA 17264
Phone: (814) 448-2201
Fax: (814) 448-9253
WILLIAMSBURG OFFICE
101 High Street
Williamsburg, PA 16693
Phone: (814) 832-2128
Fax: (814) 832-2120
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Establishing CreditRobb Ritchey, Assistant Vice President & Regional Community Banking Manager for Clearfield Bank & Trust has some practical advice and tips on establishing and maintaining good credit.
Credit is more than a plastic card; it is a convenient financial tool. When using credit, it is important to understand how it works, the responsibility of repaying your debt and your rights as a borrower. Use these tips to make responsible decisions about credit.
CREDIT DO'S -- DO know the power of credit. Banks look at your credit history as an indication of your future financial behavior. By using credit wisely, you can build a good credit history and make it easier to get loans with low interest rates.
- DO start small. When establishing credit, go to your local bank for a small loan or low limit credit line. Don't be afraid to ask questions. Some of the different ways to establish or reestablish credit include:
- Using a qualified Cosigner to “guarantee” payment on a loan.
- Securing a loan with a certificate of deposit or other type of deposit account- also known as cash collateral.
- Obtaining a secured or low limit credit card.
- DO put your full legal name on all applications and be consistent.
- DO read the fine print on the credit application. The application is a contract, so read it thoroughly before signing.
- DO set a budget and stick to it. Keep track of your spending by developing a budget. Your budget is a plan for how much money you have and how much money you spend.
- DO pay at least the minimum payment due to help you to avoid late fees and a rising Annual Percentage Rate APR.
- DO order a copy of your credit report annually. You have the right to know what is in your credit report. To obtain a free copy of your credit report, visit www.annualcreditreport.com .
CREDIT DON'TS -- DON'T feel pressured to get a credit card. If you don't want one, you have the right to say "no
- DON'T open a lot of credit accounts within a short period of time. This may have an adverse effect on your credit report.
- DON'T pay your bills late. Late payments can affect your credit rating and increase your balance. If you are facing financial hardship, inform you creditors and they may be able to lower your payments.
- DON'T spend more than you can afford. Understand that your credit card is a loan and you have an obligation to repay. It is your responsibility to manage your debts.
- DON'T ignore the warning signs of credit trouble. If you pay only the minimum balance, pay late, or use cash-advances to pay daily living expenses you might be in the "credit danger zone”. Seek professional advice or financial counseling to regain control of your finances.
If you have any questions about establishing and maintaining good credit, please feel free to visit our website at www.cbtfinancial.com or call us toll free at 1-888-765-7551. -
Clearfield Bank & Trust Company Video SegmentsWhy Clearfield Bank & Trust Company
Meet Bill Wood, Chairman, President and CEO of Clearfield Bank and Trust Company. He invites you to review the library of financial topics that will help you make wise banking decisions.
Protecting Yourself from Identity Theft
Meet Robb Ritchey, Assistant Vice President. Learn how to protect yourself from Identity Theft and what to do if you suspect your identity has been stolen.
Establishing Credit
Robb Ritchey shares insightful tips on establishing and managing credit. This segment is filled with practical, how to information.
Affordable Mortgage Options
Kristi Johnson, Assistant Vice President, Mortgage Department, invites you to learn more about the many affordable options for mortgages, including first time homebuyer and PHFA.
Starting A Business?
Glenn Fisher, an expert in business banking, shares his knowledge to help you start or grow a business. His experience can help you prosper.