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    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.

    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.

    Watch the Video

    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.
    Take the Quiz

    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.
    Get the Worksheet

    Visit our Financial Health Centers

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

    Ready to build financial slack?

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

    Spend

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

    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 thumbnail

    Plan

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

    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.



    Call GreenPath toll-free at 877-337-3399
    Learn More

    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.
    Learn More

    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.

    Coach-Lea
    Learn More

    Knowledge and skills to create and maintain financial slack.

    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.

    Create My List
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    Recommended reading by Credit Human

    Read up to learn concepts and skills that can help you build and maintain financial slack.
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    Using a tried-and-true model to create sustainable change in our financial habits.

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    Essential ATM and ITM Safety Tips

    9/13/2023
    3 minute read

    Understand their differences and learn best safety practices

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    Sensible Spend: A Safe and Affordable Product thumbnail

    Sensible Spend: A Safe and Affordable Product

    9/6/2023
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    Giving members mainstream access to manage their money safely

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