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You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


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Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


United 1st Classic Credit Card Annual Percentage Rates range from 7.9% - 16.9% and are based on credit worthiness. There is No Annual Fee, No Balance Transfer Fee, and No Cash Advance Fee.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Money Management Tools

In today’s economy, it can be tough to live the life you dream of, however modest or grand that might be. But that doesn’t mean that you should feel your dreams are out of reach. It just means that you need to be smarter about how you manage your money, and the first step is to break yourself of unhealthy habits and establish new ones that will get you into financial shape. At United 1st, we help people afford life.

Where to begin? Make a budget.

A household budget is more than just a tool to help us save or to cut expenses. Done right, your budget can become an action plan for achieving any number of goals. Before making your budget, take the time to truly consider your priorities. Is it to pay off debt? Saving for a down payment for your own home, or paying off your current mortgage? Even if your finances are already in good shape, deciding on your goals is the first step toward making a plan to achieve them.

Before it can achieve anything, however, your budget must be grounded in real numbers. Most of us don’t know what our expenses really are, and may also be afraid of having some tough choices to make. Therefore, tracking expenses is a priority for starting a budget.

There are a couple of good ways to track expenses. First, track every purchase you make over a four-week period. Keep every ATM receipt, store receipt, gas receipt, etc. Notate all cash spent, including change for a soft drink machine. It can be as simple as an envelope you keep in your wallet to store receipts and record cash spent. Second, take the time to itemize all of your annual expenses - your insurance, the property taxes, etc. - and include them as a monthly cost.

When you have completed tracking your expenses, click here to access an easy budget worksheet.

Manage Your Debt

For many people, paying down debt is a high priority. Of course, this isn’t always easy, and paying more than the monthly minimum on your credit cards or car payment might mean cutting back in other areas or seeking an increase in household income. Consider that even small amounts add up over time, and taking a step in the right direction now is the only way to move toward a debt-free future.

Read more in Seven Steps to Better Money Management.

Balance Your Checkbook

The balance in your checkbook is a critical number in money management because it allows you to know exactly how much money currently you have to save or spend. Keeping an accurate checkbook register also allows you to review where you spend your money. Be sure to record all transactions, including ATM, Visa Debit Card transactions, checks, and deposits. For more information on balancing your checkbook, read the brochure “Eight Simple Steps for Balancing Your Checkbook”.

Wherever Possible, Automate

Whatever your goals, setting up automatic deposits and payments is a smart way to go. Some people also make automatic monthly transfers to an account they’ve set up for annual expenses, ensuring the money is there when their bills come due, as well as savings and club accounts.

Know Your Credit History

Credit reporting agencies collect data regarding your credit repayment history and sell this information to lending agencies. If your report shows that you are late paying bills, have maximized lines of credit, or have bankruptcies or other collection activities, this will negatively impact your ability to get credit.

You can request your credit report from the following credit reporting agencies:

Equifax www.equifax.com
Trans Union www.transunion.com
Experian www.experian.com

If you have been denied credit, you can get a copy of your credit report free. Otherwise, a small fee may be required. You are entitled annually to one free copy of your credit report. Click here for more information: AnnualCreditReport

Finally, Establish Savings

Pay yourself first, and always be prepared for the unexpected. If you get your paycheck deposited automatically, set up an automatic transfer to a savings account. The same goes with unexpected money - from lottery winnings to tax refunds. Another source of savings is saving all of your change. You will be surprised how quickly coins and dollar bills can add up.

Read more on Strategies for Saving.

Inspired

Just as the benefits of exercise amount to more than just subtracting a 20 from the number on the scale, saving “X” amount of money can mean more to your life and your community than just a number in a budget. Remembering our dreams and goals - the real potential value of the money we save - can be a great motivator to stick with good financial habits.

Try our online calculators or make an appointment at one of our branches to speak with a Member Service Representative to discuss saving options with you.

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Copyrights © 2016 All Rights Reserved by United 1st FCU

Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.


Important Message

You are now leaving United 1st Federal Credit Union's website. You are linking to an alternate website that is not operated by the credit union. The credit union is not responsible for content on the alternate site. Privacy and security policies of the alternate site may differ from those practiced by the credit union.