Financial Wellness Resources

Financial Wellness starts here.

At UMCU, we believe that knowledge is confidence. Our informative resources, workshops, videos, webinars, and more, can help guide you toward a brighter financial future. We're here to support your financial success, no matter how big or small your financial goals are.

If you have any questions about our Financial Wellness Program, please email [email protected].

April marks the 22nd anniversary of Financial Literacy Month (also known as Financial Capability Month), a time dedicated to promoting financial education and empowerment. As economic pressures continue to challenge many households, a focus on financial literacy has never been more critical.

This month provides a chance for everyone - whether you’re just beginning your financial journey or already managing your budget, savings, and investments - to strengthen your financial foundation. Small changes today can lead to long-term financial success.

At UMCU, the financial health of our members and community drives us each day. In 2024, we delivered 195 live and virtual financial education events, reaching over 6,100 people!

Financial Wellness Information

Explore a range of resources designed to support your financial wellness journey. From helpful articles and videos to interactive tools and personalized counseling, we're here to help you reach your financial goals with confidence.

Take advantage of the valuable resource guides below to help you stay on track with your finances.

Brochures:

Guides:

For individuals interested in attending college or trade school, the UMCU Youth Scholarship program helps those dreams become a reality. The scholarship application for the 2024-2025 academic year is now closed. If you'd like to learn more so your high school student can apply for the 2025-2026 scholarship program, please email our Financial Wellness team at: [email protected].

From creating healthy savings habits to understanding the key components of your credit score, you can learn valuable financial lessons from UMCU's Financial Education Manager through short videos on our YouTube channel.

CLICK HERE TO WATCH MONEY MOMENTS WITH MARK

Financial wellness webinars
At UMCU, we’re invested in your financial well-being and want to make it easy to access our financial education resources when it’s most convenient for you. That’s why we hope you will take advantage of these free virtual webinar recordings to help improve your financial health anytime, anywhere.

Whether you’re looking for quick tips on budgeting, considering the pros and cons of homebuying vs. renting, or want more insight about credit reports and scores, you can learn valuable information from UMCU’s Financial Education Manager through these short Money Monday segments on the Lucy Ann Lance Show.

Click any episode below to listen!

CLICK HERE TO REQUEST FINANCIAL WELLNESS MATERIALS

UMCU offers free, confidential, one-on-one financial counseling.

To request free resources or a counseling session on topics like budgeting, saving, credit, and more, CLICK HERE.

To request financial hardship assistance, visit our appointment scheduler here.

Calculate a Vehicle Payment Calculator
Determine which car loan fits within your budget and helps you achieve your goals.

Compare Monthly Payment by Term Calculator
See how the length of your loan, or term, affects how much you pay in interest and in total.

Vehicle Affordability by Loan Term Calculator
Consider how a longer loan term can help you afford to finance a more expensive vehicle.

Calculate a Mortgage Payment Calculator
Weigh all the financial factors that go into a mortgage payment, including principal and interest.

Home Affordability Calculator
Become more efficient financially by identifying areas where you might be able to save money.

Time to Refinance? Calculator
Have rates changed since you obtained your mortgage? Perhaps it would pay to get a new loan.

Debt-to-Income Calculator Calculator
The difference between the amounts you owe and earn is an important factor when seeking a mortgage.

Increase Your Monthly Payment Calculator
If you are paying down debt, or making monthly payments towards a loan, you may want to consider how increasing your monthly payment can help lessen the interest and duration of the repayment period.

The Equity in Your Home Calculator
Find out how much equity is in your home and estimate how much money you can borrow.

Calculate a Home Equity Loan Payment Calculator
Estimate your monthly payment based on the amount of your home equity loan.

Paying Off a Home Equity Loan or Line of Credit Calculator
If you wish to pay off your home loan ahead of schedule, consider how additional payments might help.

The Impact of Saving More Calculator
Use this calculator to see how small changes can lead to greater savings growth over time.

The Benefits of Compounding Calculator
Analyze the positive effects of compound interest and how it benefits your savings.

Save for College Calculator
Use this calculator to create a college-savings strategy, or to fine-tune your existing plan.

What Will my Savings be Worth? Calculator
Calculate the performance of your various investments to see if you're on track to achieving your goals.

Save Toward a Goal Calculator
Track the amount of time required to reach a specific financial goal.

Save for a Rainy Day Calculator
Everyone wants a healthy savings balance. Gain a better idea of the best way to strengthen yours.

How Long Will My Retirement Savings Last? Calculator
Ensure your retirement planning accounts for all your golden years and activities.

401(k) Calculator
Consider how an employer-sponsored 401(k) can help you reach your retirement goals.

Traditional 401(k) vs Roth 401(k)? Calculator
This calculator helps you see how these accounts' tax advantages can benefit you in different ways.

Retirement Income Estimator Calculator
Gauge your potential retirement income to see if you can enjoy your desired lifestyle.

Save for Retirement Calculator
Input various factors about your retirement lifestyle and make sure your savings plan keeps pace.

Debt Consolidation Calculator
Managing a handful of high-interest loans? It might make sense to borrow enough to pay them all off.

Make Bi-Weekly Payments Calculator
Submitting payments more frequently reduces your debt quicker than paying monthly.

Meet a Debt Payoff Goal Calculator
Set a date to pay off your debt then find out how much and how often you need to pay to reach your goal.

How Long will it Take to Pay Off a Credit Card? Calculator
Focus on a strategy for zeroing out your card balance.

Do you have a financial question regarding credit, budgeting, savings, debt, or more? Click the link below to ask us a question and we'll get back to you with a response.

ASK US A QUESTION HERE

If you're looking for a financial education event or presentation for a group, please use the link below to submit your request. We will review it and reach out to see how we can help.

REQUEST A FINANCIAL EDUCATION EVENT OR PRESENTATION HERE

What our members are saying

I really felt that UMCU's workshops were a strong catalyst towards my getting some forward progress on some of these entrenched issues. Many thanks to UMCU for providing that valuable service! S.R., Member since: 2014

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