With summer coming closer to an end, there are things that you need, but did you know there are better days to go shopping? Read on for the ultimate cheat sheet for your weekly shopping. Each weekday brings deals and savings. Check out these insider tips to save more money on your needs. Smart shoppers use this cheat sheet.
Sunday: Large household appliances
Home improvement stores, like Lowe’s and Home Depot, tend to mark down their large appliances on Sundays.
Monday: Cars and electronics
Car dealerships are busiest over the weekend, and the comparative quiet of a Monday will put you in an excellent position to negotiate a better price on a new car. Stop by Elevate Credit Union to ask about our auto loans before you start shopping; it will save you significant interest, which means lower payments!
You’ll also want to shop for electronics on Monday. Stores like Best Buy offer exclusive manufacturer rebates each Monday, which can lower the price of a product.
Tuesdays: Houses, airline travel, and more
Tuesdays are the best weekday for making an offer on the house, particularly the first Tuesday of the month. Many home sellers check the activity on their house from the previous month and are more open to accepting an offer that is below their asking price.
Book your flight on a Tuesday morning if you’re looking to fly. According to data analyses by Skyscanner, airlines markdown flight prices by 15-25 percent late Monday evening. By Tuesday morning, competing airlines will offer a matching or lower price, giving you the best selection of affordable flights.
For a terrific way to end your Tuesday, see a movie. Tickets to the latest blockbusters are often discounted during the mid-week slump.
Wednesdays: Groceries, discounted apparel, and fuel
The best time to shop for groceries is on Wednesday. Most supermarkets roll out their new sale events on this day, rearrange aisle end-caps, and set out a fresh produce display. They’ll also slap discounts on perishable products left over from the beginning of the week but are still days away from their sell-by dates. Shop early for the best pickings.
Hit TJ Maxx and Marshalls on Wednesday morning because this is when these stores post their new markdowns.
Fill ‘er up on Wednesday! Weekly gas hikes will take effect over the weekend, often as early as Thursday morning.
Thursday: Clothing, shoes, and handbags
Get first dibs on weekend clothing sales at big-name stores late on Thursday. Shop for matching footwear with in-store coupons, which also debut on Thursday. Then, complete your new look with a new handbag, which sees online discounts each Thursday.
Friday: Accessories
Online accessories, like costume jewelry, belts, and scarves, see an average discount of 42 % on Fridays.
Saturday: Yard sale treasures
Saturdays are a prime time to pick up treasures at neighborhood yard sales. You’ll score the hottest deals later in the day when the owners are itching to get rid of their wares.
You will be unstoppable now that you have your smart shoppers cheat sheet. Go shopping, save money, and be a smart shopper. Check out our other posts on the Money Smart Blog
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10 Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 6.50% interest rate, the APR for this loan type is 6.77%. The monthly payment would be $1703.22
120 payments of $1703.22 at an interest rate of 6.50%.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
5 Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 5-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 6.00% interest rate, the APR for this loan type is 6.49%. The monthly payment would be $2899.92
60 payments of $2899.92 at an interest rate of 6.00%.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
15 Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 6.99% interest rate, the APR for this loan type is 7.18%. The monthly payment would be $1347.40
180 payments of $1347.40 at an interest rate of 6.99%.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
20 Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 6.99% interest rate, the APR for this loan type is 7.18%. The monthly payment would be $1162.05
119 payments of $1162.05 at an interest rate of 6.99%. The final payment was approximately $101,289.05 at the end of the 10th year.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
30 Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 6.99% interest rate, the APR for this loan type is 7.17%. The monthly payment would be $996.95
119 payments of $996.95 at an interest rate of 6.99%. The final payment was approximately $129,684.65 at the end of the 10th year.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
10 Year 2nd Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property with a loan amount of $75,000.00 and an estimated property value of $300,000.00 with a combined LTV of 80% or less. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 7.25% interest rate, the APR for this loan type is 7.43%. The monthly payment would be $880.51
120 payments of $880.51 at an interest rate of 7.25%.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
Home Equity Line of Credit 81-100% LTV
APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate plus margin of 3.25%. As of March 1, 2024, Prime Rate is 8.50%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) between 81% and 100% of the subject property are based on the Prime Rate plus a margin and your credit score. Property insurance is required. Fees may apply if closed within 36 months.
Digital Services
For your convenience and 24/7 availability, we recommend the following digital banking tools, which are easy to use.
LoanPay – Use your debit card or credit card to quickly and securely make your loan payment over the phone. Call (435) 723.3437
10 Year NO FEE Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 7.25% interest rate, the APR for this loan type is 7.25%. The monthly payment would be $1,722.36
120 payments of $1,722.36 at an interest rate of 7.25%.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
15 Year NO FEE Mortgage
APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,411.05
180 payments of $1,411.05 at an interest rate of 7.74%.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
20 Year No Fee Mortgage
APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,230.50.
119 payments of $1,230.50 at an interest rate of 7.74%. The final payment was approximately $103,807.37 at the end of the 10th year.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
30 Year NO FEE Mortgage
APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720.
At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,073.58
119 payments of $1,073.58 at an interest rate of 7.74%. With a final payment of approximately $131,945.70 at the end of the 10th year.
The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
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Home Equity Line of Credit 51-80% LTV
APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate plus margin of 0.25%. As of March 1, 2024, Prime Rate is 8.50%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) between 51% and 80% of the subject property are based on the Prime Rate plus a margin and your credit score. Property insurance is required. Fees may apply if closed within 36 months.
Home Equity Line of Credit 50% LTV
APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate. As of March 1, 2024, Prime Rate is 8.50%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) up to 50% of the subject property are based on the Prime Rate and your credit score. Property insurance is required. Fees may apply if closed within 36 months.
HELOC 6 Month Intro Rate 50-80% LTV
Introductory rate of 5.50% Annual Percentage Rate (APR) fixed for 180 days after account opening. After the introductory period, the APR on outstanding balance will revert to a variable rate based on the Wall Street Journal Prime Rate plus the margin stated in your original home equity line of credit agreement. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18% and minimum variable APR of 4%. As of March 1, 2024, Prime Rate is 8.50% APR. APRs for home equity lines of credit are based on the prime rate plus a margin, and are determined by your credit score and loan to value of the subject property. Fees may apply if closed within 36 months. Property insurance is required. Subject to credit approval.
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