Let’s Talk Money Toolkit

When something you own, like collectibles, a house, or investments in general, goes up in value over time.

Tip: Say ‘bye to impulse buys! Instead, consider the long-term value of every investment you make..

Also known as Annual Percentage Yield. It tells you how much money you can earn on an interest-bearing account over a year.

Tip: The higher the APY, the harder your cash will work for you.

You can bank at an ATM and manage your accounts by checking balances, transferring funds, making deposits, and, at participating locations, making loan payments. Certain checking accounts also include ATM surcharge fee rebates when using select ATMs nationwide.

Tip: Find a checking account that includes “Free ATMs.”

Think of it as guardrails for your spending. Based on your income, it determines how much you can spend and should be saving each month.

Tip: Try out our Budget Calculator to formulate a budget based on your monthly income and expenses.

A transactional account for managing your money, like to receive paycheck direct deposits, pay bills, get cash at an ATM, transfer money to savings, etc. Online & Mobile Banking access available.

Tip: Open a checking and companion savings account together so you can easily transfer funds and keep your savings growing.

It’s like a financial report card. Scores range from 300-850 based on how likely you are to pay back borrowed money.

Tip: Make payments on time to increase your score! The higher it is, the more likely you are to get approved for a loan.

It’s that great moment when you put money into your account and see the balance go up.

Tip: It’s smart to spread your money across different accounts, like a savings or money market account, so the money you’re not using can grow!

The extra percentage you pay your bank when you borrow money OR that you get paid by your bank when you deposit cash.

Tip: Pay your credit card balance in full each month to avoid extra interest charges. They can add up!