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
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
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
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
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
Wrap up your holiday shopping with a holiday loan!
Get 2% Off Your Holiday Loan Rate! Boost your festivities with a hassle-free holiday loan from Emery Federal Credit Union! … 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
How To Use 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
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
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
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
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
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
Mortgage Application
One of the most tedious parts of home buying is gathering the right documentation, but prepping beforehand makes it that … 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
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
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
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
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
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
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
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
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
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
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
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
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
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