Financial Wellness and Education Center
Your financial health is important.
That’s why we’re here to help you and your family manage your money today while you prepare for a secure financial future tomorrow. Check out MoneySense, our interactive resource for financial tips and education that will get you started to feeling more informed and confident!
Advice From The Experts
Introducing the MetroCU Blog, a collection of articles written by Metro Executives and subject-matter-experts, on topics our members care about. Click below to view recent articles.
Let's go!Banking Basics
Just getting started? Here's what you need to take those first steps.
Checking Accounts
A tool to help you manage your money.
- Checking account features
- How checking accounts work
- Debit cards vs. credit cards
Credit Cards
Great convenience, great responsibility.
- Credit card basics
- Comparing credit card offers
- Your consumer rights
- Paying off your balance
Credit Scores and Reports
Credit scores demonstrate your financial wellness.
- How a credit score is calculated
- Where you can find your credit score
- How to protect your credit score
Mobile Payments
Convenient purchases and payments from your mobile device.
- Mobile payment technology
- Different types of mobile payment
- Responsible mobile payment strategies and methods
Overdraft
Managing your money is about not spending more than you have.
- Consequences of overdrawing on your account
- Facts about unwanted overdraft fees
- Tips on managing your account balances
Prepaid Cards
A form of payment that helps build your credit.
- Facts about a prepaid card
- Pros and cons of using a reloadable prepaid card
- Fees associated with prepaid cards
Savings
Whether you're just starting to save or looking for ways to save more, we're here to help.
Savings
Manage your money and prepare for the future.
- Setting savings goals
- Types of savings accounts
- Smart saving habits to meet your financial needs
Build Emergency Savings
Saving money is easier said than done.
- Basic savings planning
- Ways to start building savings
- Where to keep your savings
Estate Planning
Big or small, everyone has an estate - protect it for your heirs.
- Basic elements of an estate plan
- Documents and processes involved in estate planning
- Specialists who can help design and implement an estate plan
Retirement 101
56% of Americans have less than $10,000 saved for retirement.
- Tools to help you calculate how much money you’ll need for retirement
- The power of time and compounding interest to grow your investments
- Retirement plans and investment vehicles
- Developing a plan that works for you
529 Plans
Sometimes scholarships and financial aid don't cover it all.
- Saving for higher education
- Facts about a 529 plan
- Tips on starting and using a 529 plan
Financing Higher Education
Options to help pay for college.
- Federal financial aid, grants and student loans
- FAFSA filing process
- Loan repayment and tax incentives
Loans
Looking to buy a new car or put a down payment on your first home? A loan can help you make that possible.
Auto Loans
Considering buying a car? Unsure how to pay for it?
- Financing options
- Fixed and variable interest rates
- Monthly payment calculations
Considering Homeownership
Benefits and costs associated with homeownership.
- Pros and cons of home ownership
- Common costs associated with home ownership
- Steps to get started with the home buying process
Mortgages
There's a lot to understand when it comes to mortgages.
- Mortgages costs and considerations
- Different types of mortgages
- Applying for a mortgage
Mortgage Relief
Know your options.
- Mortgage modification options
- How late payments affect you
- Delinquency, grace periods, and foreclosure
Tools & Tips
Check out these resources for more financial tools and tips.
Creating a Budget
Only 1/3 of Americans maintain a household budget.
- Track your monthly expenses
- Better understand your spending
- Adjust spending to reach financial goals
Identity Protection
Identity theft and consumer fraud can happen to anyone.
- Consumer fraud and identity theft
- Prevention and protection tips
- How to respond to identity theft
Insurance
Life is unpredictable. Be prepared when the unexpected happens.
- Types of policies
- Common costs
- Processing claims
Taxes
Learn all about the process and avoid the stress of tax season.
- Types of taxes
- Necessary tax forms
- How taxes impact your paycheck
When to Collect Social Security
Income for after you retire.
- Defining full retirement age
- Collecting benefits before, at, and after your full retirement age
- Steps to implement when you’d like to start collecting benefits
Financial Calculators
Crunch the numbers.
Calculators include:
- Mortgage, Home Equity, Auto, and Rate Quotes
- Savings, Retirement, Budgeting, and Debt
- Business: Finance, Management, and Marketing
Youth & Young Adults
Financial education tailored for grades 7 - 12.
Smart Budgeting
Make a plan, create a budget, build savings.
- Budgeting and spending
- Different types of payment
- Employment and your goals
- Invest your money
- Insurance and your financial goals
Smart Savings
Save for short, medium and long term goals.
- The importance of saving
- Savings options and short-term goal
- Budgeting for medium term goals
- Investing for long-term goals
Smart Investing
Investment impacts over the long term.
- The marketplace
- The economy
- Funding a business
- Investing basics
- Diversification