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.

Spend

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

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Save

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

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Plan

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

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Borrow

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

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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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Virtual Financial Advice

Chat for free online with Coach Lea, our virtual financial health coach. She can provide your credit score and create personalized financial plans to help you strengthen your credit, pay down debt, build slack and more.

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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.

Celebrate International Data Privacy Day

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Webinar – Identity Theft

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Get insight into your financial slack with a spending plan

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Financial Resolutions to Kick Off the New Year

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Types of debt consolidation and when to consider it

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Check off these tasks to close out your 2022 financially stronger.

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How our belief about money affects our financial decisions

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How shopping small supports your community

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5 tips to avoid overdraft fees

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How to Handle Rising Mortgage Rates

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Money-saving tips to help reduce your loan rate for new borrowers or borrowers looking to refinance.

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Financial Habits to Help you Save

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Maintain financial health by adopting these habits

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30 Days of Savings Challenge

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Challenge yourself to save $100 this November

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Learn how to reduce the sting of rising prices.

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Keep the Fright Out of Your Finances

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Financial Guide: Young Adult Edition (Part 2)

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

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

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The Dangers of Short-Term Financing

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

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Handling Debt After A Death

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Financial responsibilities after the death of your spouse

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How to Protect Yourself from Fraud

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Signs to look for and how to protect yourself

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Student Loan Payments to Resume Dec. 31

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Things to consider as you plan for repayment

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Buying a Car in Today’s Market

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7 steps to a less stressful car buying experience

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How to Stress Less During Back-to-School Season

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3 steps to stress less this school year

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Are You Financially Independent?

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5 tips to achieve financial freedom

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Webinar: Your Saving Strategy for (Un)Expected Expenses

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How sinking funds help us save

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Debt Consolidation

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What’s the best approach for you?

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Sunny Day Savings

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Building slack for summer fun

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529 College Savings Plan

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One of the most popular ways to save for college

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Saving for Retirement & College at the Same Time

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How to save for multiple long-term goals

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Save Money by Saving the Planet

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Eco-friendly tips for saving money

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Inflation 101

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How inflation impacts every aspect of our financial journey

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Podcast: Modern Day Tale of Love & Money

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Merging finances with the one we love

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Get Ahead of Your Debt

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4 strategies to keep your payments on time

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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.