First Harvest Credit Union logo

Welcome to the Financial Wellness Center

New resources each week for the First Harvest Credit Union community.

This Week

One-Week Plan for Building Wealth

Starting the process of building long-term wealth doesn't have to be difficult or complicated. Let's review steps you can take right now to grow your nest egg.

Explore Articles

Featured Topics

Explore content and videos from the First Harvest Credit Union team.

Tools and Resources

Try our calculators, assessments and data tools.

Financial Wellness
Compare your financial health with a national sample.

College Explorer
Details on thousands of institutions across the country.

Mortgage Calculator
Quickly estimate monthly payments and total cost.

Identity Theft Prevention
How well do you protect your financial identity?

Financial Wellness Courses

Make real progress in less than an hour.

For Sale sign in front of a house.

Homeownership Basics

23 minutes

Get Started

Key concepts about the home buying process and the pros and cons of buying versus renting a home.

  • Buying a Home Introduction
    Some pros and cons of buying a home, including a comparison with renting.
  • Assembling a Home Buying Team
    Having the right people on your side can help you make the best possible buying decisions.
  • How Real Estate Agents Work
    A look at the role your agent will play in the home buying process.
  • Planning for Your Home Purchase
    Before you buy a home, determine how much consumer debt is reasonable for you and what upfront costs you will have for your home purchase.
  • Should You Get Pre-Approved for a Mortgage?
    When you're pre-approved, you'll have a better idea of your costs and options.
  • Understanding Mortgages
    The parts of a mortgage and common mortgage loan options.
  • Understanding Down Payments
    A large down payment isn't always needed to buy a home, but let's take a look at how down payments can affect your total mortgage costs.
  • Buying vs. Renting a Home
    Factors to consider when making an informed "buy" or "rent" decision.
Credit Report with Score

Managing Credit

21 minutes

Get Started

Credit reports and scores, credit vs. debit cards, reading your credit report, plus more.

  • Credit vs. Debit Cards
    Credit and debit cards each have pros and cons. When should you use each?
  • Credit Reports and Scores
    Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
  • Risks and Benefits of Credit Cards
    Credit cards offer benefits for many consumers, but it's important to understand the risks of unsecured credit.
  • Building Credit
    Understanding the decisions and behaviors that can lead to improved credit scores.
  • Understanding the Credit Card Act of 2009
    How the new regulations work to protect card holders.
  • Reading Your Credit Report
    A detailed description of what to expect and look for when viewing a credit report.
Kid on a bike heading down a long road. Word START is next to boy.

Financial Basics

26 minutes

Get Started

Learn the basics of managing money, including financial health, budgeting, managing credit, plus more.

  • Financial Health
    The concept of financial health is the foundation of any financial plan.
  • Introduction to Budgeting
    Why budgeting is important, no matter how much money you earn.
  • Choosing a Bank or Credit Union
    Key factors to consider when choosing a financial services provider.
  • Credit vs. Debit Cards
    Credit and debit cards each have pros and cons. When should you use each?
  • Credit Reports and Scores
    Credit reports and scores determine the rates you pay when borrowing and can affect your ability to get certain jobs.
  • Managing Accounts
    Account management strategies for checking and savings.
  • Building Credit
    Understanding the decisions and behaviors that can lead to improved credit scores.
  • Identity Theft
    Understanding ID theft and how to prevent it.
  • Financial Goals Exercise
    A goal-setting exercise that includes weekly, monthly, yearly, and long-term goals.
Person putting last piece of a jigsaw puzzle down.

Financial Planning

21 minutes

Get Started

What you need to know to start making a long-term financial plan, from getting married to planning for retirement.

  • Medical Care Planning
    How to make sure your wishes are followed in a medical crisis.
  • Financial Planning
    Learning the "how" and "why" of short, medium, and long-term financial planning.
  • Estate Planning
    Wills, trusts, and other end of life issues.
  • Creating a Will
    A will is the cornerstone of the legal framework of an estate plan, and everyone should have one.
  • Powers of Attorney
    Everyone faces the possibility of temporary or permanent incapacitation. Make sure your wishes are followed.
  • Talking About Money
    A look at some of the financial considerations of getting married.
  • Planning for the Unexpected
    Planning for unexpected events, including accidents, death, and even the possibility of divorce, are all part of a responsible marriage.

An image of a life preserver.

Need help now?

Get personalized credit counseling.

(877) 311-2227

About First Harvest Credit Union

For over 80 years, we've provided quality financial solutions and world class service to our members, while delivering our social commitment in the communities we serve. We serve more than 54,000 members and over 700 employee groups.

Have a question?

(856) 232-9000

 Visit Us Online