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Blog & Tools
Between you and your money, you can make it happen. We can help.
Blog
Home Equity Line of Credit Webinar
You've Got Home Equity: Reasons to Use It!
Webinar, Budget, Home Equity
From home improvements to paying off higher interest debt, there are many ways to use your home's equity.  Learn about the difference between a Home Equity Loan and Home Equity Line of Credit - and how you can use one to make things happen.
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NSF Blog Image
BREAKING FREE OF THE “NSF” FEE
How can we help you avoid difficult money situations and put you in the best financial position for success? This question is at the heart of so many things we do here as your financial partner – including our decision to eliminate the non-sufficient funds (NSF) fee as of April 1.
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Bader Ginsberg Deserves Credit for Women's Financial Independence
When we use our debit or credit cards this Women’s History Month, we need to remember we only have them because of the long fight for women’s financial independence led by then attorney, Ruth Bader Ginsburg, who later became the pioneering Supreme Court justice.
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Woman looking at finances
Credit Reports & Scores: The Basics
Webinar, Credit, Improve Credit Score
We’ve all heard of credit reports. But, do you know how they tie to your purchasing power and eligibility to borrow? In this session, we’ll break down credit reports from top to bottom, teach you how to read a report, understand ratios that generate your score and know what gets reported.
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Home remodeling project
Using Your Home Equity: Loan vs Line of Credit
Home Equity, Home Improvement
Home equity loan or line of credit (HELOC) — which one’s right for you?

Thinking about making some home improvements this fall — or planning ahead so you’re first in line with your contractors next spring? Then you’re probably on the lookout for affordable financing. One option that could be a good fit: tapping into the equity of your home. 
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Couple at kitchen table looking at papers with laptop and calculator nearby
Feeling stressed out about paying off your student loans? Maybe it’s time to change how you’re repaying them.
Student Loans, Student, Financial Freedom
Four steps to smarter student loan repayment

Remember how exciting it was to find out you were qualified for a student loan? Hooray! You could afford tuition, books, housing, etc. But now that you’re out of school and faced with the reality of paying that loan back, you might be feeling another emotion: anxiety. If that describes you, we have some ideas that can help.
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Tools
Calculators
Worksheets
Checklists
Auto Calculators

CALCULATE A VEHICLE PAYMENT

Find out how much you can afford to borrow based on your monthly payment, or find out your loan payment based on your purchase price.
 

LOW RATE OR CASH BACK?

Should you go for a lower rate? Or take the cash back to add to your down payment?
 

COMPARE MONTHLY PAYMENT BY TERM

See how you can lower your auto loan payment
 

VEHICLE AFFORDABILITY BY TERM

See how affordable your vehicle is.
 

COMPARE TWO VEHICLE LOANS

Compare two loans and decide what is right for you.
 

GAS MILEAGE SAVINGS WITH A FUEL EFFICIENT VEHICLE

As the price of gasoline continues to rise, the question often arises as to whether it makes financial sense to trade-in a 'gas guzzler' for a more fuel-efficient vehicle.
 

PURCHASE OR LEASE A VEHICLE

Should you lease your next automobile or finance it? Crunch the numbers and see what will work best.
 

Mortgage Calculators

TIME TO REFINANCE?

Does it makes sense to refinance your mortgage loan?
 

COMPARE TWO MORTGAGE LOANS

Compare 15- and 30-year terms.
 

ADJUSTABLE-RATE MORTGAGE ANALYZER

Determine what your monthly payments on an adjustable-rate mortgage will be.
 

CALCULATE A MORTGAGE PAYMENT

Figure out your monthly payment and amortization schedule.
 

MAXIMUM MORTGAGE

See how your income, debt and different interest rates affect how much you may be able to borrow.
 

HOME AFFORDABILITY

Find out just how much you can afford.
 

RENT VS. BUY

Are you better off buying your home, or resigning that lease?
 

PROCEEDS FROM SALE OF A HOME

How much money the sale of your home will yield?
 

COMPARE A BI-WEEKLY MORTGAGE TO A MONTHLY MORTGAGE

Are you better off buying your home, or resigning that lease?
 

Home Equity Calculators

THE EQUITY IN YOUR HOME

Amount of equity in your home based on loan-to-value
 

CALCULATE A HOME EQUITY LOAN PAYMENT

Calculate your loan payment.
 

CALCULATE A HOME EQUITY LINE OF CREDIT PAYMENT

Calculate your home equity line of credit payment.
 

USING HOME EQUITY FOR A MAJOR PURCHASE

When making a major purchase, using a home equity loan or line of credit is an alternative to financing offers often provided by a seller or manufacturer.
 

HOME EQUITY LOAN OR LINE OF CREDIT?

Find out what works best for you.
 

CONSOLIDATING DEBT WITH HOME EQUITY

Home equity loans can be used to consolidate account balances from multiple credit cards or installment loans into a single loan.
 

PAYING OFF A HOME EQUITY LOAN OR LINE OF CREDIT

How long will it take you to payoff your home equity.
 

Savings Calculators

THE IMPACT OF SAVING MORE

If you are already a saver, you might ask yourself the question "what if I save more"?
 

THE BENEFITS OF COMPOUNDING

How interest is calculated can have a great impact on the interest earned by your account and how your savings grow.
 

SAVE FOR COLLEGE

Develop or fine-tune your education savings plan.
 

SAVE TO BE A MILLIONAIRE

Find out if your savings plan could make you a millionaire.
 

WHAT WILL MY SAVINGS BE WORTH?

Find out what your savings could be worth in the future.
 

SAVE TOWARDS A GOAL

Calculate exactly what it will take to reach your savings goal.
 

SAVE FOR A RAINY DAY

It is always a good idea to have savings tucked away for a rainy day.
 

Retirement Calculators

HOW LONG WILL MY RETIREMENT SAVINGS LAST?

You have got money put away, but need to know how long it will last.
 

401(K) CALCULATOR

A 401(k) account available through your employer is one of the best methods for building retirement savings.
 

TRADITIONAL 401(K) OR ROTH 401(K)?

Compare a Roth IRA to a traditional 401(K).
 

RETIREMENT INCOME ESTIMATOR

What monthly income will your retirement savings provide?
 

SPEND IT OR INVEST IN AN IRA?

What you fail to put away today for your retirement will impact how much you have available to you when you are ready to retire.
 

ESTIMATE SOCIAL SECURITY BENEFITS

Estimate the Social Security benefits you will receive at retirement.
 

SAVE FOR RETIREMENT

Saving for retirement can be a challenging task. The starting point for any retirement planning is an understanding of what your retirement needs will be.
 

Debt Calculators

DEBT CONSOLIDATION CALCULATOR

See if consolidating your debt is the best option.
 

MAKE BI-WEEKLY PAYMENTS

One popular strategy for accelerating the payoff of a loan is to make 'bi-weekly' payments.
 

MEET A DEBT PAYOFF GOAL

Setting a goal for paying off a mortgage, auto loan, credit card or personal loan makes sound financial sense.
 

HOW LONG WILL IT TAKE TO PAY OFF A DEBT?

Like many credit card holders, there are times when you might have overdone it on the spending and are now facing the task of paying off your credit card balance.
 

USE A LUMP SUM TO PAY DOWN DEBT

If you have received a lump-sum payment from an inheritance, tax refund or commission off of a large sale, you might be wondering what the best use of that money is.
 

ARE CREDIT CARD BALANCE TRANSFERS WORTH IT?

Is transferring your credit card debt really worth it?
 

INCREASE YOUR MONTHLY PAYMENT

If you're trying to pay down some debt, you might be wondering what the impact would be if you simply increased your monthly payment each month.
 

CALCULATE A LOAN PAYMENT

Enter the monthly payment you want and we’ll calculate your loan amount. Or, enter in the loan amount and we’ll tell you how much you’ll owe each month.
 

Budget Calculators

HOW MUCH AM I SPENDING?

How many times have you asked yourself "where does our money go?"
 

BALANCE YOUR CHECKING ACCOUNT

Balance your checkbook quickly and easily.
 

HOUSEHOLD CASH FLOW TRACKER

Analyze your budget, see where your money goes and find out where you can improve.
 

SPARE CHANGE

How much do you have? Count it up and take a look!
 

CALCULATE YOUR NET WORTH

Determine your net worth and estimate how it could grow (or shrink) over the next ten years.
 

SAVE OR PAY OFF DEBT

You might want to consider whether you are better off using the money you have in savings to pay down debt.
 

KEEP WORKING OR STAY AT HOME?

Making the decision to return to work after staying at home with children, or leaving the workforce to stay at home is sometimes a difficult decision for parents.
 

Insurance Calculators

THE VALUE OF YOUR FUTURE EARNINGS

We all understand that you cannot put a price tag on the value of human life. However, if you are a husband or wife, or father or mother, your departure would leave a financial gap that could impact the financial health of your family.
 

CALCULATE YOUR LIFE INSURANCE NEEDS

The purpose of life insurance is to replace your income at the time of your death so that the family you are leaving behind can maintain their current lifestyle.
 

CALCULATE YOUR DISABILITY INSURANCE NEEDS

If you get injured, become disabled or suffer a severe illness and are unable to work, would you be able to maintain your current standard of living?
 

CALCULATE YOUR LONG TERM CARE NEEDS

As you or a loved one, grows older, long-term care might be required if you or they can no longer perform the essential daily tasks required to take care of oneself.
 

SAVE FOR LONG TERM CARE

If you are interested in going down the self-insurance path, you will need to save the appropriate amount of money to meet your long-term care needs.
 

REACH YOUR HEALTH SAVINGS ACCOUNT GOAL

You can use a Health Savings Account (HSA) to boost retirement savings earmarked to cover medical expenses in retirement.
 

HEALTH SAVINGS ACCOUNT OR TRADITIONAL HEALTH PLAN?

Health Savings Accounts (HSA) offer an opportunity for you to build tax-free savings to pay for current and future qualified medical expenses.
 

Debt Snowball Payoff Worksheet
Checkbook Balancing Worksheet
Hoja de trabajo para Presupuesto
Daily Expense Worksheet
Estimated Expense Worksheet
Net Worth Worksheet
Periodic Expense Worksheet
College Costs Planning Worksheet
Planificación de Gastos de Estudios Universitarios
College Living Budget Worksheet
Hoja de Presupesto para el Estudiente Universitario
Holiday Budget Worksheet
Borrower's Response Package
Account Settlement Guide
What to do when a loved one passes

We know this can be a challenging time for you and your family and it's natural to feel confused and overwhelmed as you deal with your life one's financial affairs. We're here to help you in every way possible. This guide outlines important details you need to know.

Start Here - Open the Member's Guide to Account Settlement

Starting a Family
9 things to do to build a bright financial future

Congratulations, you’re starting a family! Time to re-organize and re-prioritize your finances. Even though you’re knee-deep in diapers and legos, you can take these simple but important steps to get on the right track.

Start Here - Open the Starting a Family Checklist

Real World Here I Come
7 things to do when you land that first job

Congratulations! You’re ready to start your career. There are a few important things to do right away to set yourself up for financial success.

Start Here - Open the First Job Checklist

Kids Money Manual
7 steps to raising money smart kids

Take these simple steps to help your kids develop good financial habits that will last a lifetime!

Start Here - Open the Raising Money Smart Kids Checklist

Get Your Retirement On Track!
8 "to-do's" to get your retirement on track

Feel you need to do a little extra to make sure your retirement savings plans are on track? Here are some simple, straight-forward tips to help you save more for your retirement years.

Start Here - Open the Get Your Retirement on Track Checklist

Being Your Own Boss
9 essential actions to start your own business

Congratulations! You’re ready to put your entrepreneurial spirit to work for you. You’re willing to do what it takes to succeed. You know your market and how to differentiate your product or service within it. You’ve got support of friends and family and business advisors. What’s next?

Start Here - Open the Essential Actions to Start Your Own Business Checklist

And Then There Are Two!
Before you tie the knot, make these 6 financial moves

Not being on the same page financially before saying “I do” is a common mistake. But you can avoid bringing bad money habits to your marriage and come up with a plan to merge your financial lives. You’ll start your marriage off on the right financial foot by following these 6 steps.

Start Here - Open the Before You Tie the Knot Checklist

Sweet 16
Tips for Owning Your Own Wheels

A car can give you freedom and flexibility to do things when you want to do them. It’s also a BIG responsibility and has BIG costs. The money savvy thing to do is to look at all of your possible car expenses and plan for when they might happen.

Start Here - Open the Tips for Owning Your Own Wheels checklist

Senior To Life
Tips for Paying for College

Figuring out how to pay for college can be like piecing together a puzzle. There are many pieces and you need to find out how they all fit together. We have some money savvy tips to consider so you can complete your college financing picture!

Start Here - Open the Tips for Paying for College checklist

First Job
Tips to Make Your Paycheck Last

It’s payday Friday and you stop by the credit union to cash your paycheck. Make sure you look at the BIG picture, prioritize what you want and plan your spending so you don’t run out of money before you get paid next.

Start Here - Open the Tips to Make Your Paycheck Last checklist

Separation & Divorce
Separation, Divorce & Your Finances

One of the many challenges of separating finances is coping with profound feelings at the same time you're handling financial decisions that require clear thinking. This checklist will not only help you cover your bases confidently, but also empower you for a strong financial footing in the future.

Start Here - Open the Separation & Divorce Checklist

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