Build your financial slack.

If you're feeling financial stress, you're not alone. 167 million Americans feel the same way. We're here to help change all that.

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More slack equals less stress.
When you subtract life's expenses from the money you make, what's left over is your financial slack. Having enough slack means you can pay for unexpected expenses and enjoy life without the constant stress.

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Assess your financial slack

Take our quiz to see how you are doing with your money and learn the best way for you to build slack right now. You'll also see other areas of opportunity.

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Make a spending plan

Wondering if you have enough financial slack? Use our worksheet to map where your money goes each month and see the slack you have today.

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Visit our Financial Health Centers

We approach everyone's situation individually. We give our members a place to better understand their needs and goals.

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Ready to build financial slack?

Explore ways to build your financial slack in the areas of spend, save, plan and borrow.


Paying bills on time and spending less than you earn are the foundation for creating financial slack.



Having a sufficient liquid savings and a long-term savings helps us weather unexpected events and reach our goals.



Planning ahead and getting insured are key factors in creating and maintaining financial slack.



Building credit and managing debt ensure our ability to create and maintain financial slack.


More ways to learn about financial health.

Free credit counseling for you.

Through our partnership with GreenPath Financial Wellness, you have access to confidential debt and credit management, homeownership education and foreclosure prevention.

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Call GreenPath toll-free at 877-337-3399

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Financial planning calculators.

Thinking about how much to save for long-term goals like retirement or college? How to start investing, prepare for an expense, handle job changes, or make the most of an inheritance? Our calculators can help.

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Know your credit score.

Chat with Coach Lea. She can give you your credit score and a personalized plan to strengthen your credit.

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Knowledge and skills to create and maintain financial slack.

Healthy Financial Habits
Mindful Living
Family Conversations About Money
Identity Protection
Preventing Elder Fraud & Abuse

Answer a few key questions about your current financial status and future goals. You'll get a personalized list of resources based on your financial needs.

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Recommended reading by Credit Human

Read up lo learn concepts and skills that can help you build and maintain financial slack.

Financial Guide: Young Adult Edition (Part 1)

3 minute read

Advice to help those new to navigating their financial health on their own

Read More

The Dangers of Short-Term Financing

3 minute read

Types of short-term loans and the risks associated with them

Read More

Handling Debt After A Death

3 minute read

Financial responsibilities after the death of your spouse

Read More

How to Protect Yourself from Fraud

3 minute read

Signs to look for and how to protect yourself

Read More

Student Loan Payments to Resume Dec. 31

2 minute read

Things to consider as you plan for repayment

Read More

Buying a Car in Today’s Market

5 minute read

7 steps to a less stressful car buying experience

Read More

How to Stress Less During Back-to-School Season

5 minute read

3 steps to stress less this school year

Read More

Are You Financially Independent?

2 minute read

5 tips to achieve financial freedom

Read More

Webinar: Your Saving Strategy for (Un)Expected Expenses

2 minute read

How sinking funds help us save

Read More

Debt Consolidation

2 minute read

What’s the best approach for you?

Read More

Sunny Day Savings

2 minute read

Building slack for summer fun

Read More

529 College Savings Plan

3 minute read

One of the most popular ways to save for college

Read More

Saving for Retirement & College at the Same Time

3 minute read

How to save for multiple long-term goals

Read More

Save Money by Saving the Planet

2 minute read

Eco-friendly tips for saving money

Read More

Inflation 101

3 minute read

How inflation impacts every aspect of our financial journey

Read More

Podcast: Modern Day Tale of Love & Money

2 minute read

Merging finances with the one we love

Read More

Get Ahead of Your Debt

2 minute read

4 strategies to keep your payments on time

Read More

It all starts when you join us.

Open your Credit Human savings account to start building financial slack. Choose FREE checking to save even more.