Preparing Your Teen for a Credit Card
Updated: Sept. 7 2023 One thing we could all do with is a little more knowledge about credit and … Read more
How to Lower Electric Bill & Gas Bill?
A higher than expected natural gas bill is not the kind of surprise you enjoy getting in the mail. It’s … Read more
Refer a Friend to Emery!
Earning $25 now and $25 later is easy as 1-2-3! For every friend, family member, or colleague you refer to … Read more
Student Checking Promotion
Students, start your financial freedom at Emery As you get your first job or journey off to college, your financial … Read more
Why did my Check Deposit Fail?
Customers no longer need to go to the bank physically to deposit checks. Mobile check deposit features allow account holders … Read more
Information About Federal Taxes
Federal Income Taxes are a percentage of an individual’s or business’s income paid to the government and used to fund … Read more
A Checklist for Changing Your Name After Marriage
Updated Sept. 7 2023 After you’ve set your wedding date, you are of course excited to start a new life … Read more
Stock Market Basics
Investing remains one of the four cornerstones of a strong financial foundation. And, learning how to do it can be … Read more
Should I Get Preapproved before House Hunting?
Have you thought about buying a home soon? Get preapproved first before you start looking! What does preapproval mean? It … Read more
How to Increase Your Gas Mileage
No amount of wishful thinking will lower prices at the pump. Instead, focus on efforts that will make a difference—follow … Read more
What is Net Worth?
A lot of people think that net worth is a fancy way of saying how much money someone has, but … Read more
Ransomware
Everyone has secrets—personal data, passwords, private documents, etc—and people will spend lots of money to keep this information secret or … Read more
Romance & Dating Scams
They love me, they love me not. Here’s how you can prevent yourself from falling victim to some of the … Read more
Spring Cleaning is for Finances, Too
There’s nothing quite like airing out your home from a long winter, scrubbing it down to a sparkly shine, and … Read more
Wedding Planning in 2022
How to Save Money Wedding Planning in 2022 If you are planning a wedding this year, it could be challenging. … Read more
2023 Emery Student Scholarship
Deadline extended for Emery’s student scholarship applications! If you’re looking for something to help you fund your education, apply for our … Read more
Up to 1% off your auto loan rate
Enjoy fall activities like never before with a new ride! For a limited time, everyone can earn up to 1% … Read more
Up to 1% Off Your Auto Loan Rate!
Start planning your next big road trip with a new car! For a limited time, everyone can earn up to … Read more
$500 off Mortgage Closing Cost Special!
There’s never been a better time to buy your dream home! Let Emery help you buy or refinance your dream … Read more
2023 Emery FCU Annual Meeting
Our annual meeting will be held on April 19, 2023 at 6pm. All members are welcome to attend. The board … Read more
2022 Emery FCU Annual Meeting
Our annual meeting will be held virtually on March 23, 2022 at 6 pm via GoToMeeting. All members are welcome … Read more
Rebuild Program
If you’ve had credit missteps in the past, we want to help. We’ve seen it before. You make a mistake … Read more
The Cost of a Mortgage
A mortgage is likely going to be one of the largest loans you’ll take out in your life. It’s essential … Read more
Budgeting
A practical, workable budget is one of the most crucial tools in your financial wellness arsenal. Starting Points Your budget … Read more
Envelope Budgeting
While traditional envelope budgeting may feel a little extreme, there are plenty of ways to make the philosophy behind it … Read more
Debit Cards | Banking
Debit cards are one of the most common forms of payment. In fact, according to Bankrate, 63% of people between … Read more
50/30/20 Rule
The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that’s easy and effective. … Read more
Talking to Your Partner About Money
When it comes to talking with a spouse or partner about money, many people shy away. It can be scary—but … Read more
3 Jar Allowance for Kids
The sooner you teach your children the basics about budgeting, the better, and the 3 jar money system is a … Read more
Tracking Your Joint Expenses
It’s hard enough keeping track of your own expenses. So you shouldn’t be surprised that managing money as a team … Read more
Savings Accounts
If you’re building an emergency fund, saving for a big purchase, or getting money together to invest, using an insured … Read more
Income and Expenses
Making and spending money is a part of everyday financial life. Managing your money successfully relies on figuring out your … Read more
What is Financial Literacy?
Financial literacy is knowing what finances are and how to spend, save, and manage money effectively. But it’s not a … Read more
Opening Your First Account
Opening an account at a bank or credit union is the first step toward owning your personal finances. Best of … Read more
Renting Rulebook
If you’re looking to rent, there are many things to consider beyond what’s explicitly in the lease. What’s in a … Read more
Working with a Landlord
You’ve got rights as a renter. Of course, your landlord has rights too. If all goes well during your tenancy, … Read more
The Rule of 72
Calculating compound interest is complicated. Luckily, there’s a simple shortcut that helps you estimate how a fixed interest rate will … Read more
Avoiding Inappropriate Investments
If a deal seems too good to be true, it probably is. You’ll need to keep your eyes open and … Read more
Find a Place to Rent
For many, finding a place to rent in a tight rental market is daunting, but by preparing in advance, you’re … Read more
Scams Targeting Seniors
Scammers target seniors more aggressively than any other group. Recognizing the most common scams helps prevent your money and personal … Read more
Mobile Banking
Mobile banking provides a convenient, safe way to access your funds when you’re unable to visit a branch. What is … Read more
Recognizing and Avoiding Scams
Con artists cheat Americans out of billions of dollars every year. Recognizing red flags for potential scams can help protect … Read more
Early Withdrawals from Retirement
Whether you find yourself laid off from work, facing a medical emergency, or confronted with a situation that you’re financially … Read more
Cybersecurity
While it’s likely that you access the internet nearly every single day, that doesn’t mean that you can let your … Read more
Is the Money in My Account Safe?
Keeping money safe is important to everyone. Thanks to the FDIC and NCUA, your financial institution is probably the safest … Read more
8 Tips to Reduce Your Food Bill
Buying food is essential, but if you’re not careful, it can also eat into your budget. We’ve all given into … Read more
Certificate of Deposit
If you’re willing to wait, a CD can be a great way to earn a high interest rate on the … Read more
What is Inflation?
Inflation measures how much prices rise over time. When prices rise, the value of a dollar falls and your purchasing … Read more
Finding Funds in an Emergency
If you find yourself facing an emergency that you’re financially under-prepared for, the prospect of what to do next may … Read more
The Upside of Frugality
Frugal living discussions often talk about pinching pennies or “stretching a dollar.” A penny saved is a penny earned, or … Read more
Mortgage Application
One of the most tedious parts of home buying is gathering the right documentation, but prepping beforehand makes it that … Read more
Money Market Accounts
There are many options for keeping your money safe and earning a little extra from interest. Like a savings account … Read more
Quality vs Cost
Whether you’re standing in front of a shelf at the grocery store, shopping online, or even walking around a car … Read more
How to Boost Your Local Economy
During a recession, there are plenty of things everyone can do to help boost the economy. Since most of the … Read more
Personal Bankruptcy
Bankruptcy is a tool that can help you find financial stability—but only as a last resort. Understanding Bankruptcy Congress created … Read more
College Budget Breakdown
Most people ask, “How much does college cost?”—that’s the first mistake. It’s not to say this question isn’t answerable, but … Read more
Best Practices for Using a Credit Card
By properly managing a credit card, you can earn rewards and build your credit score, all while making your regular … Read more
Credit Scores
A credit score is a number that potential lenders will use to determine whether they should lend you money, how … Read more
Interest
Interest plays a role in almost all aspects of personal finance, including savings, investing, credit, and loans. Interest is money … Read more
Check It Out
Still stashing money under beds, in ceiling tiles, or under floorboards? You may even use a safe to protect your … Read more
When You Can’t Afford Your Minimum Payments
It’s scary to find yourself in a situation where you can’t afford your monthly debt payments. Whether that’s due to … Read more
Getting a Car
When looking for a new car, you have three main options: buy used, buy new, or lease. There are pros … Read more
Reasons to Refinance Your Mortgage
Refinancing can be beneficial if everything lines up in your favor. What can you get out of it? The list … Read more
What is a HELOC?
A HELOC is a line of credit that allows you to borrow against the equity in your home. How it … Read more
How to Manage Your Debt: Strategies & Tools
Even if you’re financially responsible, life’s unpredictable nature can sometimes catch you off guard, at times making it dangerously easy … Read more
What a Car Loan Costs
When shopping for a car, it’s usually best to start by shopping for a car loan. When you’re shopping for … Read more
Using Credit
It’s important to be aware of everything you’re agreeing to when using credit but, with careful planning, it can be … Read more
Attracting Employees
By knowing what you’re looking for in an employee and providing incentives to attract skilled candidates, you can create a … Read more
Health Benefits
Health insurance has changed dramatically in the last few years, which means you’ll have to consider various healthcare options. It’s … Read more
Keeping Your Employees
You’ve found an ambitious, hard-working group of employees to help make your business a success. Now your challenge is to … Read more
Funds to Build Your Business
Building a business costs money—usually more than you can generate from your operating revenues alone. Securing the funds you need … Read more
Documentation for SBA Loans
The Small Business Administration (SBA) is a US-based institution which helps reduce risk to lenders, making it easier for small … Read more
Professional Help with Your Business
Although it’s tempting to try and run a business on your own, it’s usually a good idea to get professional … Read more
What is a Recession?
In the most broad terms, a recession is a period of multiple months where the economy declines. That means that … Read more
Property and Divorce
Good advice and a cool head can help you protect your financial security in a divorce. A divorce is almost … Read more
Leaving a Job with a 401k
When you leave a job with a 401(k), you’ll generally have four options for what to do with the money. … Read more
Moving Costs
Moving is a big undertaking, but planning a budget can help make it go as smoothly as possible. To start … Read more
Financial To-Dos for Newlyweds
Before the big day, sit down with your partner and talk finances. Some of these to-dos have a time limit—sometimes … Read more
Government Assistance
If you don’t make enough money to cover your basic expenses, there are safeguards in place to help you make … Read more
The Cost of Divorce
Though divorce rates in the United States have declined significantly in recent years, divorce is still a challenge many Americans … Read more
Job Benefits
There’s more to compensation than just getting paid. Chances are your salary will be your biggest concern when choosing a … Read more
When Times Get Tough
When emergencies and unexpected situations strike, it’s important to be prepared and make wise decisions. While tough times can vary, … Read more
Filling Out the FAFSA
The Free Application for Federal Student Aid (FAFSA) is an application for financial aid made up of scholarships and grants … Read more
Dealing with Illness
Keep your fingers on the pulse of your financial health. Serious sickness can strike both suddenly and unexpectedly. And its … Read more
Preparing for a Baby
Are you adding a child to your family? Congratulations! Whether it be through birth or adoption, parenthood is a fulfilling … Read more
To-Dos for Leaving a Job
Whatever your reasons for leaving a job, there are things you need to consider as you transition out of your … Read more
Out of Work?
Losing a job unexpectedly can leave you feeling unsure of what to do next. There are a few important steps … Read more
Identity Theft
The best way to prevent identity theft is to stay informed, aware, and on top of your finances. By taking … Read more
Tax Brackets and Statuses
How much you owe in federal income taxes is determined by many factors, but your tax bracket and status will … Read more
Paying Taxes
Many major life changes, such as buying a new home, changing jobs, getting promoted, started a business, having a child, … Read more
Checking Out Charities
Many people associate giving with charity, and donating money to help those who are in need. You can also make … Read more
Tax Planning
You can legitimately reduce the tax you owe by planning ahead. Retirement Account Contributions By keeping an eye on the … Read more
Completing a Return
Filing a tax return is a matter of following the line-by-line instructions that come with your tax form. Each form … Read more
Selling Your Home
Whether you need some more space, are ready to downsize into something a bit more manageable, or are relocating to … Read more
Making a Down Payment
A lot goes into buying a home, but one of the biggest hurdles for many is saving enough for a … Read more
Meet Your 401(k)
Even if you’re just starting your first real job—actually, especially if you’re just starting your first real job—it’s time to … Read more
Divorce and Retirement Savings
Fairly dividing retirement savings between both partners in a divorce can make a huge difference in their future financial stability. … Read more
Critical Retirement Choices
The idea of retiring isn’t new. People who grew too old or too ill stopped working and stayed home long … Read more
How to Manage Your Investment Portfolio
As logical as it might seem to look for the perfect stock, bond, or mutual fund and make it your … Read more
Individual Retirement Accounts
Individual retirement accounts (IRAs) can look intimidating and cryptic when you begin planning for retirement, but there are some foundational … Read more
Social Security Basics
Since its introduction in the wake of the Great Depression, Social Security has evolved from a safety net designed to … Read more
Disability Insurance
According to the Social Security Administration, there’s a 30% chance of a 20-year-old worker becoming disabled before he or she … Read more
Auto Insurance
Auto insurance is not only often a legal requirement, it’s also absolutely vital to your financial health. The truth is … Read more
Insuring Your Home
Home Insurance is absolutely essential to protect what is likely your largest investment: your home. Buying a home is never … Read more
Renter’s Insurance
A renter’s insurance policy can help protect your personal property and yourself from liability for accidents that happen in your … Read more
Health Savings Accounts
With a health savings account (HSA), you can set aside pretax income to pay for current or future health care, … Read more
Health Insurance
One of your biggest financial risks is confronting unexpected expenses that you can’t afford, no matter how careful you are … Read more
Life Insurance
Life insurance isn’t something people like to talk about. After all, planning the financial impact of your death isn’t an … Read more
Health Insurance Options
Health insurance can help you pay for the medical expenses you and your family might encounter. In general, most health … Read more
Teaching Children About Money
Whether to your own children, grandchildren, and nieces and nephews or the child of a close friend, one of the … Read more
Wills
Having a will to allocate your estate after you die is essential, so make sure it’s done formally and legally. … Read more
Working With A Mortgage Lender
Applying for a mortgage is a big endeavor. Most lenders require you to complete a mortgage application—a comprehensive financial statement. … Read more
Trusts
Setting up a trust is a way to ensure that your assets are handled the way you want them to … Read more
Transitioning to Retirement
When you’re mapping out the best route to collecting retirement income, there’ll be several forks in the road. But you … Read more
To Buy or Not To Buy?
There are some compelling reasons to buy real estate, but it’s not a clear-cut situation for everyone. Investing is like … Read more
The Cost of College Life
One of the many mysteries of college, especially freshman year, is what being there is actually going to cost. Sure, … Read more
Teach Financial Literacy At Home
Teaching your family to be financially literate is as simple as involving them in everyday financial decisions. It’s crucial for … Read more
Should I Buy GAP Insurance?
With car prices continuing to rise, many people have a concern about the value of their car. If this is … Read more
Repaying Student Loans
Student loans account for a lot of personal debt and often seem too daunting to handle. Learn how to start … Read more
Emergency Fund: Why You Need One
An emergency fund is a financial safety net that everybody should have for life’s unforeseen challenges. One of the most … Read more