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.

Save

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.

  • Open with $5 minimum deposit *
  • Earn 0.25% APY on daily balances of $100 or more
  • Even more flexibility for members under age 18

Get Details
 

 

Money Market Savings


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

  • Open with a $1,000 minimum deposit
  • Get a 0.30% APY on balances of $10,000
  • Up to six free withdrawals per statement cycle

Learn More
 

 

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.

  • Up to 0.30% APY with dividends paid monthly
  • Open with $5,000 minimum deposit
  • Fixed, 1-year term with unlimited deposits and two allowed withdrawals*

Get Details
 

 

Set Goals

 
eMoney Manager is a free tool within online and mobile banking that helps you plan for paying bills throughout the month. You can also set savings goals for big expenses like paying down debt or purchasing a home



 


Get Started
 
 
Creating a Spending Plan
Article: Creating a Spending Plan

Learn some extra tips on how to create a spending 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.
 

 

Investment Center

Regardless of your stage of life, a sound financial plan today can be the key to creating opportunities for tomorrow. Our CUSO Financial Services, L.P.* Financial Advisors are here to support your financial journey, no matter what life brings.
 


Learn More
 

 

Money Market Savings

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

  • Open with a $1,000 minimum deposit
  • Get a 0.30% APY on balances of $10,000
  • Up to six free withdrawals per statement cycle

Learn More
 

 

Share Certificate


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

  • Up to 1.40% APY with dividends paid monthly
  • Open with $1,000 minimum deposit
  • Flexible terms from 6 months to 10 years
  • Automatic renewal at maturity

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

 
eMoney Manager is a free tool within online and mobile banking that helps you plan for paying bills throughout the month. You can also set savings goals for big expenses like paying down debt or purchasing a home.
 


Get Started
 
 
 
Article: Tapping into you Retirement Savings
Article: Tapping into your retirement savings

Learn what to consider before tapping into your retirement, including some other options.

Read More

Webinar: Tapping into your retirement, what you need to know
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

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

Plam

 

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

 
Explore

Spend

Spend

 

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

 
Explore

Borrow

Borrow

 

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

 
Explore

Make an Appointment

Schedule your appointment with the Financial Health Center today.  Choose the date and time that works best for you.

Tools for Saving

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

Building Slack

Credit Human is committed to helping our community by providing resources for less financial stress.

Feeling financial stress?

Discover how you can build financial slack and stress less.



*Non-deposit Investment products and services offered through CUSO Financial Services, L.P. (Member FINRA/SIPC)