Focus Federal Credit Union logo

Welcome to the Financial Wellness Center

New resources each week for the Focus Federal Credit Union community.

This Week

A Seven-Day Plan to Cut Spending

A full week’s worth of easy and actionable ways to keep more of your money in your wallet each month – some of these take only minutes, but result in significant savings over time.
Explore Articles

Featured Topics

Explore topics and videos from the Focus Federal 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 insitiutions 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.

Lower part of man's leg with one foot about to step on upwards facing tacks.

Financial Trouble

28 minutes

Get Started

What to do if you're in financial trouble, from creating a debt reduction plan to your rights when dealing with debt collectors.

  • Spotting the Signs of Financial Trouble
    Many Americans find themselves in debt, but for some, debt turns into a serious problem with lasting consequences.
  • Dealing with Financial Trouble
    If you ever find yourself experiencing financial trouble, there are steps you can take to get back on track and to minimize the damage to your credit.
  • Debt Reduction Plans
    Whether you do it yourself or work with a credit counselor, creating a debt reduction plan is an important first step for those with financial trouble.
  • Credit Counseling
    The role of credit counseling organizations and how a debt management plan works to restore credit over time.
  • Choosing a Credit Counselor
    The best way to find a good credit counselor is to know what questions to ask.
  • Credit Repair Scams
    There's a big difference between a non-profit credit counseling service and a credit repair scam. Learn how to tell the difference.
  • Debt Collection
    Your rights and responsibilities when dealing with debt collectors.
  • Debt Collection and Legal Actions
    What to expect if you are sued over debt.
  • Understanding Bankruptcy
    The types of bankruptcy and why bankruptcy should be used only as a last resort.
  • Alternative Financial Services
    Understanding why payday loans, check cashing services, and similar services may be bad deals for consumers.
Computer screen with many numbers in green and shadow hand grabbing the word

Identity Theft

21 minutes

Get Started

An overview of identity theft, including strategies for preventing it and what to do if it happens to you.

  • Identity Theft
    Understanding ID theft and how to prevent it.
  • Social Media and Identity Theft
    What you reveal online can compromise your personal and financial security.
  • Medical Identity Theft
    Medical identity theft is a little-known form of identity theft with consequences affecting more than just your wallet.
  • Avoiding Identity Theft
    The three Ds of identity protection: Deter, Detect and Defend.
  • Protecting Your Digital Information
    There are many data backup solutions available designed to protect personal information that vary in their security and ease of use.
  • Dealing with Identity Theft
    Understanding the different types of identity theft and what to do in each scenario.
Coach Writing Play on Chalkboard

Workplace Transition

30 minutes

Get Started

Key topics for those transitioning from school to the workplace.

  • From College to the Workplace
    No matter what your financial outlook is after leaving school, the concept of financial health is an important step towards long-term financial success.
  • Salary Expectations Versus Reality
    Most young people tend to overestimate their starting salaries.
  • Earning a Paycheck
    A brief overview of common paycheck deductions and how to increase earning potential.
  • Employer Benefits
    There are four main types of employee benefit programs: health insurance, retirement plans, tax-advantaged savings, and supplemental benefits such as life and vision care insurance.
  • Making Decisions About Employee Benefits
    Employee benefits vary between employers, so it’s up to the employee to make the most of whatever benefits are offered.
  • Day One of a New Job
    First impressions are important. New employees should take the time to prepare for the first day to ensure that they start off on the right foot.
  • Time Management
    To be successful in today’s workplace, you need to know how to manage the limited amount of time you have to accomplish all of your tasks.
  • The Concept of Professionalism
    Being a “professional” paves the way for both current and future success, no matter what career you choose. Professionalism requires you to draw upon a set of skills that may seem outside the specific skills required for your job.
  • Networking in the Workplace
    Effective networking can lead to success in your career both now and in the future.
Arrow going upward over increase amounts of stacked bills.

Saving and Investing

26 minutes

Get Started

Why and how to invest, including how to save money now.

  • Saving and Investing
    The difference between investing and saving, and how to tell what's the best option for your needs.
  • Types of Investments
    The pros and cons of stocks, bonds, and cash. The concept of asset allocation is explained.
  • Investment Accounts
    The types of accounts available to investors, including both taxable and tax advantaged accounts.
  • Saving for Retirement
    Why save for retirement and the impact of fees on investment performance.
  • Retirement Saving Strategies
    How to develop a comprehensive retirement savings strategy.
  • Retirement Accounts
    An overview of the major retirement accounts, include Individual Retirement Accounts, Simplified Employee Pensions, and 401(k) plans.
  • Retirement Savings Ideas
    A few simple things to keep in mind when starting a retirement savings plan.
  • Individual Development Accounts
    Understanding the benefits of IDAs, how to qualify, and where to find a program.

An image of a life preserver.

Need help now?

Get personalized credit counseling.

(877) 311-2227

About Focus Federal Credit Union

For more than 65 years, Focus Federal Credit Union has continued to deliver innovative products and services to our membership. Focus personally invites anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Canadian, Lincoln, Logan, McClain, and Grady Counties to become a member and experience superior service first hand.

Have a question? Contact Abigail Cabello at:

405-230-1328 x1137
AKCabello@focusfcu.org

 Visit Us Online