Member Resources Education

Education

As a credit union, we strive to provide our members with financial education that will help members reach their financial goals and improve their lives. Below are a number of resources, sites and articles that will help you set goals, build budgets and understand your finances.

SAVINGS

Plan for Retirement

The Social Security Administration offers calculators and other resources to help you prepare for retirement and calculate your anticipated social security benefits.

Save for College

The Department of Education offers information on saving for college, securing student loans, and information on student loan forgiveness.

BUDGETS

Personal Budgeting Worksheet

This Make a Budget worksheet from the Federal Trade Commission, helps you evaluate which expenses are flexible and which are fixed. Use the worksheet for at least two or three consecutive months. This will give you an idea of how you are spending your money and changes you can make to improve your situation.

A Budget? How to Create One and Stick to It!

Creating and sticking with a budget is the single best thing you can to do take and keep control of your money. The first time you take a serious look at where you’re spending your money and where there is room to make adjustments, –we’ll warn you, this can hurt, Its usually not pretty. But once you get a handle on it, managing and living within a budget will reap all kinds of rewards.

Blown the Budget? Plug the Spending Leaks

Our cross-country move is complete, and I have to say—we’re feeling a little (or a lot) lighter in the pocket. Although most of our move was covered by relocation reimbursement from my husband’s new job, there were, of course, a lot of extra expenses that ultimately have added up.

Personal Financial Tools Make Budgeting Easy

I’m not really a big fan of “budgeting.” I can think of plenty of other things I would rather do than sit down and figure out where my money should be going. And I don’t budget in the traditional sense. I don’t have
a budget work sheet where I list my income, then my expenses, and then figure out what’s left over.

Reset Your Money Cycle 

You have a unique money cycle whether you think about it in those terms or not. And it’s worth thinking about, because once you name it you can manage it. Your money cycle is the difference between success and failure for your financial goals.

CREDIT SCORES

Free Credit Reports

The only free source. Order a free credit report every 12 months from each of the three credit bureaus.

ScoreInfo.org by FICO

ScoreInfo was created by FICO, the company that invented the FICO® Score, to help consumers understand and benefit from the risk-based pricing and credit score disclosure notices they receive in the mail from U.S. lenders in accordance with federal regulations.

MyFico

FICO's website includes an educational section with articles and resources that help to demystify credit scoring and credit reports. 

Credit Bureaus


BORROWING

4 Things Your Teen Needs to Know about Debt

Upon graduation, many high-schoolers are ready (or think they are ready) for college. They’re emotionally ready to spend time away from home, they’re prepared for the workload of classes, etc. But what many of them lack is financial know-how. 

Research a Mortgage

The Consumer Financial Protection Bureau provides resources to help you “know before you owe” on a mortgage along with helpful budgeting information.

Timely Credit Card Payments are Crucial

Between juggling student loan payments, rent, and other bills, you might be tempted to skip a credit card payment. Don’t do it. Missing a payment can lower your credit score, which can lead to difficulty getting a loan or even a job.

YOUTH EDUCATION

The Mint

This site provides tools to help parents as well as educators teach children to manage money wisely and develop good financial habits. Provides basic information about starting a business, earning money, spending it wisely, and saving and investing. Includes quizzes, games, and more.

Consumer Financial Protection Bureau

Children learn from watching you earn, shop, save, and borrow – you’re the top influence on their financial lives. And you don’t need to be a money expert to help them start out strong.

Practical Money Skills

Consumers, educators, parents, students and policymakers can access free educational resources, including personal finance articles, games and lesson plans.

Biz Kids

Uses tv shows, activities and articles to help teach students about personal finance, investing and business ownership.

CONSUMER PROTECTION

Report a Cyber Crime

The Internet Crime Complaint Center is a joint effort of the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C) and the Bureau of Justice Assistance (BJA). The complaints submitted to the IC3 cover an array of cyber crime including theft of intellectual property rights, computer intrusion, economic espionage, online extortion, and international money laundering. Numerous fraud schemes such as identity theft, phishing, spam, reshipping, auction fraud, payment fraud, counterfeit goods, romance scams, and non-delivery of goods are reported to the IC3.

Consumer Guides and Protection

USA.gov, the U.S. government's official web portal, provides an A to Z resource on consumer guides and protection. 

Consumer Information Center 

Contains full text versions of hundreds of the best federal consumer publications available and they are all free!

Bankrate.com

Bankrate is a very comprehensive site covering mortgage & CD rates, auto loans, credit cards, mortgages and more.

MsMoney: Personal Finance for Women

The mission of MsMoney.com Inc. is to help educate and empower people about their wealth, career and well-being so they can lead happier and more fulfilling lives. This site teaches people the fundamentals of personal finance, financial health, career building and money-related life skills.

Member Resources

We're committed to providing resources and benefits that enhance our members' lives.

Have a question? Contact us.

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