Financial Wellness Seminars
Helping your employees feel more confident about their finances.
Metro Credit Union offers complimentary Financial Wellness Seminars. This is a great opportunity for your employees to hear valuable information on a wide range of financial topics. Seminars can be tailored to fit your company’s needs, time schedule, and employee interest. If there is a particular topic that you would like us to address, just let us know!
Basics of Personal Finance
Basics of Personal Finance
From managing daily expenses to investing for retirement, this session helps participants set personal finance goals, learn the basics of smart money management and build a solid financial foundation for the future.
Are You Financially Healthy?
True financial health is based on four key components: Spend, Save, Borrow and Plan. You’ll also get a chance to confidentially determine your own Financial Health Score and learn the steps you can take to improve that score.
Psychology of Spending
We all have a “money personality” and it has a major impact on our attitudes, relationship with money, and spending habits. By understanding this, individuals can monitor and adjust their behaviors to make smart money decisions. This session will teach strategies and tactics to decode personality types to gain control over finances.
Ten Steps to Financial Success
Everyone measures financial success differently, but all paths to get there require discipline and goals. This session teaches participants ways to financial control—including developing a spending plan, creating objectives, weighing insurance needs, and other tolls that will help get on the road to personal financial success.
Credit: Many want it but how do you get it? This session covers all aspects of becoming an educated credit consumer, including how lenders evaluate for credit approval, factors that impact credit qualification, how credit scoring works, and ways money management today impacts credit standing tomorrow.
Solving the Mystery of Credit Reports
Credit report scores hold a lot of power—they can help buy that first home but can also take away financial opportunities. This session provides an overview of credit bureaus, credit scoring, guidance to dispute inaccuracies, improving credit scores, and dealing with identity theft and fraud.
Using Credit Wisely
A credit card can be a valuable financial tool. However, before racking up big charges on multiple cards, participants can learn smart ways to handle their credit cards and take a disciplined approach.
Credit Card Makeover
Credit cards can be a great financial tool, but for some, can lead to debt and financial trouble. This session provides an overview of credit card usage, warning signs of credit issues, options for debt management and reconstructing existing credit.
Tips for Credit Repair
Take a closer look at the parts of your credit history that factor into your credit score calculation. Learn how payment history balances owed, length of credit history and types of credit used impact your score.
Planning for Money Milestones
There are many important financial milestones for consumers in their 20’s and 30’s. To help prepare today’s younger generation for a positive financial future—without sacrificing fun—we take a realistic approach to managing finances. We’ll cover SMART goals, getting financially organized, building a budget, controlling expenses, wiping out debt, and much more!
Women and Money
Whether it’s having children, career advancement, divorcing, or becoming a widow, these pivotal times in women’s lives can have an impact on your finances. This session addresses special considerations for budgeting, credit, and insurance.
Finances for New Families
Getting married. Having kids. These are natural progressions in life for many, but also present new financial situations and decisions to make immediately, and for the long term. This session will help you discover, prioritize, and design a workable plan for your family’s goals and lifestyle.
Repaying Student Loans
Student loans can put a heavy burden on monthly finances, sometimes rivaling the cost of a mortgage. These days there are many options to help repay these loans. This session will teach attendees about the choices available.
Teens and Money
Young adults are primed to soak in new information. It’s a great time to guide them to money management techniques that can last a lifetime. Attendees will learn managing money effectively, preparing for common upcoming bills, opening checking and savings accounts, establishing credit (and using it wisely), and looking at investing options.
The Sandwich Generation
The Sandwich Generation is positioned in the middle. They care for aging parents while supporting their own children. In this workshop, participants will learn how to manage their parents’ medical, legal and financial needs, while ensuring they stay financially prepared for their kids’ future.
Social Security – The Choice of a Lifetime
The basics you need to know about Social Security, including the rules for spouses, widows/widowers, divorcees, etc.; and recent filing rule changes and implications to filing strategies. Learn about the different filing strategies you can use when making your Social Security decision and to optimize Social Security income for your specific needs.
First Time Homebuyer Must Know / Purchase Timeline
Buying a house requires plenty of planning. And none of it is much fun. Learn about creating a home-buying timeline before you start looking at homes so that you’ll increase your odds of buying a place that truly fits your needs, wants, and financial situation.
Factors Considered to Qualify for a Mortgage
A variety of factors, such as credit score, income, assets, debts and employment history are taken into consideration when underwriting your mortgage loan application. We’ll prepare you to make a smooth process flow.
Aﬀordable Lending Programs
Aﬀordable lending programs promote homeownership with low down payment options combined with down payment assistance in the form of grants and forgivable 2nd liens available for low-to-moderate income families and individuals. Learn about the various programs available!
Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to supplement their income. If you’re 62 or older, learn how a reverse mortgage can pay oﬀ your existing mortgage, supplement your income or pay for healthcare and/or other expenses.
Adjustable Rate Mortgages
An ARM, short for "adjustable rate mortgage", is a home loan where the interest rate is fixed for a period at the beginning (called the “initial rate period”). After the initial period, the interest rate may change based on movements within the market. Learn about the diﬀerent types of ARMs and how to determine if this is the right type of mortgage for you!
Home Equity Programs
Home equity loans are a type of second mortgage that allows you to use your home’s value as collateral for cash. Home equity is the diﬀerence between how much your home is worth and any debts against it, such as a primary mortgage. Learn about the diﬀerent types of home equity loans and determine which one is right for you.
Identity Theft & Fraud
Identity Theft Solutions
Identity theft is becoming more common and sophisticated than ever. Session participants will learn the methods that identity thieves use to access confidential information, tools for preventing ID theft, and steps to take should identity theft occur.
Safeguarding Kids’ Identity and Online Privacy
Today’s youth generation is tech-savvy and connected online. However, parents still play an important role in helping them avoid online hazards such as identity theft, privacy and cyber-bullying. This workshop covers important issues including online privacy tips, managing computer settings, smartphone apps, and positive online behavior.
The Three Transitions to Retirement
During this session, you’ll learn how to confidently address the financial, lifestyle and emotional transitions to retirement, how to guard against risks and manage those that are inevitable, and whether you are ready for retirement.
Social Security and Your Retirement
Learn more about your Social Security benefits and discuss the role they play when setting a clear direction for your financial future. You’ll learn the answers to your Social Security questions, including what are the rules for starting your Social Security benefits, how do spouses coordinate their benefits, are there different routes to take that could potentially increase your benefits, and how do you decide where Social Security fits within your retirement plans.
Income for Life
You’ll find out more about how to use annuities to help create a guaranteed income for life, including social security and your 401(k). You’ll learn the answers to your income for life questions, including what sources of retirement income to rely on, do you face as you begin drawing on your savings, and which income strategies you should consider.
How to Weather a Bear Market
Learn answers to important questions, including what is a bear market, how does behavioral finance affect decision-making, how do overreaction and bad decisions compromise long-term financial goals, and how to weather a bear market.
Often when people change jobs or prepare for retirement, they need to make decisions on their retirement plans and pensions. In this virtual seminar, you’ll learn some of the rules we need to follow and the options available. Learn the pros and cons to leaving your money in the company plan, possible taxes or penalties you may face when moving retirement money, options for moving it your new company plan, and rolling over to a personal IRA.
Breezing Through the Holidays
It may be called “the most wonderful time of the year” but December can also be filled with unwanted debt due to holiday spending. Learn budgeting strategies and tactics to avoid that year-end credit card crunch and sidestep debt traps in the future.
Drive Away Happy
Getting a car can be overwhelming and stressful with all the decisions to make: new or used; buy or lease; zero percent financing or rebate (not to mention what color to pick). Participants will learn tips and tricks to have the best car shopping experience possible, while also making wise financing decisions.