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    Save more, stress less

    Saving plays an important role in reducing your financial stress and maintaining your financial slack. We’re here to support you so that you cannot only ensure your security in the future, but also ensure your stability now.
    Mother and son using piggybank

    Savings come in all shapes and sizes. The key is to ensure you have sufficient liquid savings and a long term savings.
     

    Liquid Savings

    Liquid savings is all about using your savings when you need it. It is important to remember that you build a liquid savings for unexpected expenses or emergencies and it should be used and replenished as needed. When determining your liquid savings you should look at your monthly living expenses to determine how much you can save each month. The first step is to work towards establishing a savings goal that is comfortable for you. This number is based on how much slack you have to work with and everyone’s number is different.

    From there, work towards getting around three months of living expenses saved. This will take time, but it is important to pay yourself first and make saving part of your spending plan. Setting up direct deposit and even depositing into a separate savings account can make reaching your savings goal easier.
     

    We’re here for you with resources to support you while you save.

    Share Savings

    Credit Human membership begins with a simple account designed to get you saving. All it takes is a $5 deposit to get started.
    Get Details

    Money Market Savings

    Step up to an insured deposit account that motivates saving with higher dividends as your balance grows.
    Get Details

    Liquid Share Certificate

    Want to build savings with an easy, one-year commitment and more flexible access to your funds? Try a savings certificate designed to keep you liquid.
    Get Details

    Set Goals

    We have financial health tools that are built into your digital banking experience. You can set savings goals for big expenses like paying down debt or purchasing a home.
    Get Started
    Article: Creating a Spending Plan thumbnail

    Article: Creating a Spending Plan

    Learn some extra tips on how to create a spending plan
    READ MORE

    Additional Resources

    Knowledge and skills you can use to help you create and maintain financial slack

     
    Setting Savings Goals
    Reducing Expenses
    Saving Strategies
    Saving Priorities
    Make A Savings Plan


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    Saving for the Long Term

    Saving for your long term goals like retirement may ensure your financial security for the future. You can also set other long term goals like buying a home, going on a big trip or buying an RV. In setting your long term goals, you know how much you need to achieve them and can determine how much you are able to save now to reach them. This will help you decide if you can look at other ways to reach those goals. Checking with your employer to see what they offer for retirement savings is a good place to start.

    We’re here for you with resources to support you while you save.

    Money Market Savings

    Step up to an insured deposit account that motivates saving with higher dividends as your balance grows.
    Get Details

    Share Certificate

    Ready to work towards a savings goal? Consider a share certificate with flexible terms you choose.
    Get Details

    IRAs

    Credit Human offers easy ways to put your money to work. We’ve got a range of savings certificates and IRAs designed to help you reach your long-term savings goals. We’re here to help you make smart moves with your money.
    LEARN MORE

    Set Goals

    We have financial health tools that are built into your digital banking experience. You can set savings goals for big expenses like paying down debt or purchasing a home.
    Get Started
    Article: Tapping into your retirement savings thumbnail

    Article: Tapping into your retirement savings

    Learn what to consider before tapping into your retirement, including some other options.
    READ MORE
    Webinar: The CARES Act and Retirement Accounts thumbnail

    Webinar: The CARES Act and Retirement Accounts

    Join Chip Lutz, our CUSO Financial Services, L.P.* Financial Advisor, as he explains the impacts of tapping into your retirement early and what you need to know about the CARES Act
    WATCH NOW

    Additional Resources

    Knowledge and skills you can use to help you create and maintain financial slack


    Make A Savings Plan

    End-of-Life Expenses

    When to Start Saving

    Choose a Retirement Plan

    Costs of College


    View All

    Saving isn’t the only thing to consider when thinking about your financial slack. Explore more in the areas of plan, spend and borrow below.
    Plan thumbnail

    Plan

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

    Spend

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

    Borrow

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

    Tools for Saving

    Knowledge and skills you can use to help you create and maintain financial slack.

    Learn More

    Building Slack

    Read our blog to learn concepts and skills that can help you build and maintain financial slack.

    Learn More