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Welcome to the Financial Wellness Center

New resources each week for the South Metro Federal Credit Union community.

This Week

Setting Your Financial Priorities

A look at the factors influencing how we spend and save money.
Explore Articles

Featured Topics

Explore topics and videos from the South Metro 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.

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Borrowing and Credit

17 minutes

Get Started

Your decisions about when to borrow, how to borrow, and how to manage debt affect more of your life than you may expect.

  • Credit and Credit Reports
    How to understand and monitor your credit history.
  • Credit Scores
    Credit scores are like a grade for your overall financial responsibility.
  • Risks and Rewards of Credit Cards
    While there are a good number of risks with credit cards, there are also a number of benefits of credit cards.
  • Building and Maintaining Credit
    Understanding the decisions and behaviors that can lead to improved credit scores.
Dad tossing baby in air.

Having a Baby

26 minutes

Get Started

A look at the financial challenges of raising a child.

  • Introduction
    Having a baby is not just a family decision, it's a financial decision too.
  • Babies and Budgets
    How to get your finances in shape before a baby arrives, including a budget review, paying down debt, making sure you're getting the best on any long-term debt, and creating an emergency fund.
  • Paying for the Baby Years
    The non-childcare costs you can expect when having a baby, from cribs to health insurance.
  • Managing Risks
    Life is filled with unexpected events. Learn how to ensure the financial security of your child in the worst case scenario.
  • Children and Taxes
    A review of the tax benefits that can help you manage the expenses incurred with children.
  • Childcare Choices
    An overview of different childcare choices and the financial implications of each.
  • Growing Up - Childhood and Beyond
    A look at the additional costs of raising a child beyond the first few years including the indirect costs.
Man in shirt and tie rubbing eyes under glasses. Tired.

Recognizing Financial Problems

14 minutes

Get Started

One in five Americans have bad credit, which is commonly defined as a credit score below 620.

  • Understanding Chronic Debt
    Spotting the warning signs of excessive debt.
  • Recognizing the Warning Signs of Financial Trouble
    An introduction to the steps you can take to begin dealing with financial problems.
  • Debt Management and Reduction
    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.
  • Repairing Credit
    There are no quick fixes when it comes to removing negative items from your credit report or raising your credit score. Only consistent efforts and payments on your debts will improve your credit.
Person putting last piece of a jigsaw puzzle down.

Financial Planning

23 minutes

Get Started

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

  • Financial Planning
    Learning the "how" and "why" of short, medium, and long-term financial planning.
  • Medical Care Planning
    How to make sure your wishes are followed in a medical crisis.
  • 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.
  • Generic Post-Course Survey
    This five-question survey measures general satisfaction with any course.
  • Investing Survey
    Questions about member experiences with investments and investment advisors.

About South Metro Federal Credit Union

Our suite of Financial Education Services (FES) is founded on providing a thorough education and consistent guidance with a confidential personal representative. With this relationship in place, we’ll work with you to determine your broad goals and set tactics for direct outcomes that build credit and help manage debt. We’ll empower you with the mindset, tools and products it takes to make an impact on your financial health.


A photo of Alyssa Walford.

Have a question? Contact Alyssa Walford at:

952-358-9738
fes@southmet.com

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