Financial Wellness Center

    Getting smart with your finances

    Smart Financial is focused on people, not profits. Our entire staff is united in its passion for providing superior service. Our purpose is to give back to the community while helping valued member-owners like you with your financial needs.

    The Financial Wellness Center will teach you how to grow your savings account, manage your credit cards and even help you improve your credit score. You will also have access to useful tools for budgeting and investing including calculators to help you figure out how much mortgage you can afford on your next purchase.

    These easy-to-understand lessons will help you lay the foundation towards a strong financial future:

    • Savings

      Learn about setting savings goals, different savings account options and smart habits to help meet your financial needs.

    • Credit Scores & Reports

      Learn about the importance of your credit score and how it is calculated. Explore the factors that impact your credit score and different ways to protect it.

    • Credit Cards

      Explore how credit cards work so you can use them most effectively. Learn how to compare offers, pay off your balance, and about your rights as a consumer.

    • Auto Loans

      Learn about different financing options, fixed and variable interest rates, how monthly payments are calculated, and organizations that protect consumer’s interests.

    • Investments

      Explore different investment options and how to develop a strategy that helps meet your short and long-term financial goals. Learn about diversification and how to create an investment portfolio that balances risk and reward according to your goals.

    • Building Emergency Savings

      Learn about spending needs and wants, and explore how small changes to your daily routine can add up to large savings over time.

    • Financing Higher Education

      Explore the different ways to pay for higher education such as federal student aid, private loans, and grants. Learn about the components of student loans, different repayment options, and related tax incentives.

    • Insurance

      Learn about insurance so you can choose the plans that work best for you. Explore different types of insurance, common costs associated with plans, and the factors that affect your rates.

    • Considering Home Ownership

      Explore the benefits of home-ownership and the costs associated with owning a home. Review steps to help prepare for the process of home-ownership.

    • Identity Protection

      Investigate the causes of consumer fraud and identity theft, and identify ways to protect yourself from these crimes.

    • Mobile Payments

      Explore how different mobile payment options work and the factors you need to be aware of when using this convenience.

    • Overdraft

      Learn about the implications of overdrawing your account and how posting order and transaction type impact your available balance. Explore different methods for managing your account to avoid overdraft penalties.

    • Mortgages

      Explore the costs and benefits of home-ownership, the different types of home loans available to you, and the process of securing a mortgage.

    • Budgeting Tool

      Learn to plan your monthly expenses the right way.

    • Benefits of a Credit Union

      Learn why choosing a credit union is a smart move.

    For high school and college age students: The Smart Financial Foundation is proud to offer a free online financial literacy academy.

    Packed full of short animated videos, infographics, news articles and quizzes, “It’s a Money Thing Academy” touches on these subjects:

    • Earning an Income
    • Buying Goods and Services
    • Saving
    • Using Credit
    • Borrowing
    • Financial Investing
    • Protecting and Insuring
    • Credit Union Advantage
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