Member Education

Financial education is critical if you want to reach financial independence. Here are a few tools to help members of all ages reach that goal.

• 0% or Cash Back, which is the better deal?
  Click here for a quick study of which option gives you a better deal.
• What Harms a Credit Score?
  What actions do the most harm to your credit score? Check this study out for the top ten culprits.
• Credit Score Repair
  Have you fallen victim to a credit scam? Learn how to track and repair your credit history.
  
• Are you tired of junk mail and annoying phone solicitations?
  If so, you aren't alone. Click here for information on how to put an end to these annoying (and potentially dangerous) practices.
• How Much House Can You Afford?
  Buying a new home can be a daunting task whether it is your first or your tenth. This guide will help you determine what amount you can spend on a new home and still be able to comfortably make the monthly payments. It also helps clarify several terms and calculations used to determine what dollar amount you qualify for.
• Making An Offer On A Home
  Here you can find information on how to make that all important offer on a home. You want to be reasonable but not spend too much! Learn what you should consider before putting an offer on the table.
• Budgeting Toolkit
  One of the most important steps you need to take to get out of debt is to develop a realistic budget (and stick to it!) We have developed a quick and easy way to create a budget that has realistic goals spread over a reasonable time table.
• Identity Theft
  Learn the basics of how Identity Theft is committed and how to protect yourself from this increasingly common crime.
• Thrive by Five™
  Free activities and other resources for parents who want to encourage healthy attitudes about money in young children.

If you don't see the type of information you were looking for please let us know. We want to help our members in any way possible.