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Mortgage Refinance Calculator

How long will it take to break even on a mortgage refinance? Use the mortgage refinance calculator to sort through a multitude of factors including your current interest rate, the new potential rate, closing costs and how long you plan to stay in your home.

Why Hiring an Investment Professional is a Good Idea

Like most people, you probably think hiring an investment professional is a waste of money. You might believe using a pocket investor or investment app is just as good — or better — than working with an investment professional. However, this isn't always the case. There are many reasons why hiring an investment professional is a good idea and can maximize your return beyond what fractional investing can achieve.

7 Festive Ways to Save Money Christmas Shopping

It’s that time of year again, and if you haven’t started your Christmas shopping yet, now is the time to do it. However, shopping for gifts can be challenging during economic uncertainty, especially when you’re looking to save money. Budgets are tighter, and the things you want and need cost more. Yet, this doesn’t mean you can’t have a great holiday. We devised a plan to make your holiday shopping and gift-giving easier. Here are 7 festive ways to save money while Christmas shopping.

How Mobile Banking Can Ease Your Back-to-School Stress

Mobile banking is a great way to complement a hectic schedule and keep your finances on track without adding stress. By leveraging the features mentioned above, you can keep track of your money and bank accounts and focus more on what truly matters — supporting your child throughout the new school year.

What to Know Before Launching a New Business in 2023

Are you thinking about launching a new business in 2023? We like to think of starting a new business as a journey. Launching a business is a big step and one with the potential to help you realize your dreams. Taking your time and launching your business the right way is wise. So, having patience and discernment will prime your business for growth and success.

ICYMI— The Human Resources Lifecycle of a Business

We want to share our expertise and knowledge about the lifecycle of an employee – from hiring to firing – with you. Below is a recap of our October Bank & Brews workshops focused on four aspects of human resources which are vital to a business (and improving the bottom line): hiring, building, coaching & disciplining employees. Make sure to download the templates from each workshop!

Insurance Premium Changes

Your premium is likely to change each time you renew your insurance. This is because premiums are affected by many factors, including the cost of doing business and changes to the way risk is assessed. Sometimes premiums increase across the board because your level of risk has increased.

Managing seasonal demand

Managing seasonal demand. Extraco Banks is committed to building businesses throughout Central Texas. Whether you're a startup or looking to create a succession plan for your business, we have the resources to help you achieve your business goals.

Understanding Escrow Accounts and Escrow Analysis

An escrow account helps simplify homeownership by spreading out property tax and insurance costs through your monthly mortgage payment. Each year, an escrow analysis reviews these expenses to ensure enough funds are available, which may result in a shortage or surplus and cause your payment to change. Understanding how escrow works can help you plan ahead and avoid surprises.

How to Make the Most of Merchant Services

Despite the reasons behind the rise of touchless payments, the need for well-rounded merchant services to address and manage these payments has also increased. Thankfully, banks that work with local businesses are helping businesses level up their game by providing various merchant service options to meet consumer payment needs and how to make the most of these services.

Bank & Brews Waco | Utilizing Google Web Tools in Your Small Business Marketing Strategy

Take a deep dive into some of the essential (and free) Google website tools that all businesses should be utilizing. For our August Bank & Brews workshop, Extraco’s own Digital Marketing Specialist, Carina Yebra, walked attendees through what she considers to be essential, and often underutilized, tools for all businesses– Google Analytics, Google Tag Manager, Google Search Console, and Google My Business. 

How Insurance Works

Insurance can help you financially recover if a risk should damage the things you value. Insurance can't prevent something from going wrong, but it can help protect you and your assets from the financial risk if something does happen.

Holiday Travel on a Budget

For many, the holiday time often involves travel, whether it's a short trip to visit relatives or a more extended vacation to explore new destinations. However, with travel comes expenses, and managing these costs can be a daunting task.

How Extraco Empowers Entrepreneurs to Manage Multiple Ventures

Extraco empowers entrepreneurs by providing the essential tools and support needed to manage multiple ventures effectively. From streamlining operations and simplifying financial management to offering strategic planning assistance, we are committed to supporting entrepreneurs so they can thrive without being held back.

Join Us In Supporting Our Hill Country Neighbors

In response to the devastating floods impacting the Texas Hill Country, Extraco Banks has opened a special FBO (For the Benefit Of) donation account to support those affected by this natural disaster. The account is now open to the public, and 100% of all contributions will go directly to victims and their families in impacted communities.

How to Shop Local for Fun and Unique Gifts

Finding the right gift, especially for someone who has virtually everything, is challenging. While you could do a web search to find gift ideas, why not take another approach by supporting your local businesses and finding something unique?

Bank Jugging: What it is and how you can protect yourself

As long as there are people making money, there will be others who will try to take it from them. While Skimming has been around for a while, the newest forms of theft are Bank Jugging and Card Cracking. You need to be aware of these new schemes so that they don’t happen to you.

Utilizing Financial Tools in Extraco eBank

Incorporate your Extraco accounts, external bank accounts, and manually added financials into our budgeting, savings, debt, and spending tools. Using Extraco eBank, we’ve made it easy for you to take a “big picture” look at your financial journey. Combine all of your accounts, non-Extraco included, to build out visual dashboards.

Why Investing in the Stock Market Should Be Your Next Money Move

It's the perfect time to reflect on our financial goals and set ourselves up for success. This year, why not make investing in the stock market your top resolution? Extraco gives you access to a digital investment solution, EasyInvest, directly via our digital banking platform. This way, you can invest like the top 1%, starting from as little as $10.

How to Inspire Employee Health with Office Wellness Programs


2023 is off to a good start, but as with the beginning of any year, now is the time when most people are focused on New Year’s resolutions. Resolutions vary by person but often center around money and health. For that reason, you can better encourage your employees with the help of an employee health and office wellness program.

Extraco Banks - Who We Are

Read our latest blog to learn more about what sets Extraco Banks apart from other central Texas banks. When you bank with Extraco, you bank with the best

Planning a Side Hustle: What you need to think about before starting a side business

According to software company Zappier, 40% of Americans have a side hustle, and that number is growing. Planning a side hustle is a great way to pad your savings, pay down debt, save for a specific goal, or give you some extra wiggle room in your monthly budget. However, if you’re looking to add a side hustle, there are a few things you should know before you begin, and it starts with a plan.

Are checks really safer than debit cards?

Once you decide to buy something, you then must determine the form of payment you’ll use. Is cash easiest? Will you write a check? Or is your debit card the best way to go? Pros and cons exist for all methods of payment. Many of us decide quickly without thinking through potential fraud or payment protection. 

What Is a Trust Fund?

Trust funds provide a financial safety net for your family in an unexpected tragedy. Creditors cannot access the money you place in a trust fund. However, the fund can pay for funeral expenses, medical bills, and other immediate needs. Trust funds can also ensure that your loved ones have the money they need to care for themselves financially, even after you're gone.

How to Utilize Mobile Deposit

Deposit into your account with convenience. Extraco banks is committed to providing you access to your account anywhere you are. Set up mobile deposit today!

How to Help Your Teenager Build Credit

Credit is the ultimate catch-22. To get credit, you must have a credit history. Young people wanting to establish themselves financially often find themselves in this conundrum. They've never had a credit card, haven't purchased their own vehicle and are not a home-owner. In other words, they're invisible to the credit bureaus. 

Homebase

Homebase is a leading workforce management platform designed to simplify employee scheduling, time tracking, and team communication for small businesses. Read more about how Extraco Banks is committed to building businesses.

New Extraco Parking Plaza Is Now Open In Temple

The City of Temple is proud to announce the official opening of the Extraco Parking Plaza located at 1st Street in downtown Temple. The Extraco Parking Plaza is a brand new, state-of-the-art facility, set to provide convenient and secure parking options for residents, downtown employees, and visitors.

Extraco Banks® Begins Construction on New Downtown Temple Branch

Extraco Banks® announced on June 23, 2023, it will begin construction on its new Downtown Temple branch on July 10, 2023. The 2,400 square foot branch will have video teller technology, four drive through lanes and an outdoor seating area between the new bank building and Treno Pizzeria.

How to Improve Your Credit Score

Your credit score is a three-digit number which helps lenders determine the risk of lending you money. If you aren’t getting approved for credit cards or loans, you may need to improve your credit score. Building your credit isn’t a speedy process, but there are several things you can do to start paving the way to a better credit score.