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Financial Literacy & Wellness

Take control of your financial life and achieve your goals!

Reaching Your Financial Goals Requires Knowledge and Skills

Without an understanding of basic financial strategies and terms, it can be challenging to make informed decisions, overcome obstacles, and reach your financial goals. We are here to help you expand your financial knowledge with courses, programs and technology.

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Financial Literacy Classes

Whether it’s buying a home or vehicle, going to college or preparing for retirement, you have big plans. We’re here to help you achieve them. Join us for our complimentary seminars and webinars and get real advice from real experts.
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Feedback From the Field

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Vince Kelly

Project SEARCH Employment Skills Coordinator

What a wonderfully informative experience you provided to our students! Your ability to connect with each one of them helped build their interest and confidence, enabling them to derive great benefit from the activity.
What a wonderfully informative experience you provided to our students! Your ability to connect with each one of them helped build their interest and confidence, enabling them to derive great benefit from the activity.

Vince Kelly
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Cecilia Garver

Military spouse and Integrated Resilience Office, Prevention Specialist

[Haley] does a phenomenal job in catering her teaching and facilitation skills for the audience in place so they can best learn the information being presented all the while being engaged within the sessions. I always get such great positive feedback from the people...
[Haley] does a phenomenal job in catering her teaching and facilitation skills for the audience in place so they can best learn the information being presented all the while being engaged within the sessions. I always get such great positive feedback from the people who attend her sessions, which is why she is my number one person to contact when I need someone to teach a Financial Wellness and Literacy class.

Cecilia Garver
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Larry Boucher

CSI Charter School, Transition Teacher

Thank you, David, for your wonderful presentation. It was well done and incredibly informative. You targeted our students’ needs and made personal finance interesting. It was effective and led to students asking more questions about money.
Thank you, David, for your wonderful presentation. It was well done and incredibly informative. You targeted our students’ needs and made personal finance interesting. It was effective and led to students asking more questions about money.

Larry Boucher
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Claudia Hoffman

KHS

Students often know of the various financial terms but not necessarily how it relates to them. Ms. Maddox provided great examples for students and all of the information was easy to understand. Service CU is a fantastic financial resource for the Kaiserslautern comm...
Students often know of the various financial terms but not necessarily how it relates to them. Ms. Maddox provided great examples for students and all of the information was easy to understand. Service CU is a fantastic financial resource for the Kaiserslautern community, and we are so grateful to Ms. Maddox for sharing the financial literacy information that directly relates to and affects transitioning high school seniors.

Claudia Hoffman
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GreenPath Financial Wellness

Free 1-on-1 counseling and educational resources to help you achieve your most important financial goals.
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Financial Wellness for Your Business

If you’re a business owner or human resources professional, you can offer financial empowerment to your employees as a Select Employer Group (SEG)!

As a SEG, any employees at your organization would qualify to apply for Service Credit Union membership, enhancing your employee benefit offerings by providing financial wellness resources and tools.

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Financial Education for Schools

Bite of Reality Grades 7–12

In our interactive reality fair events, students choose a career that comes with a salary, family, loans, debt, and medical insurance payments. Students work with credit union volunteers to make simulated spending decisions, all while trying to stay within their budget.
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Empowering Your Path to Financial Wellness 

Get Helpful Finance Tips From Service Credit Union.
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Budgeting

Back to School Savings: 6 Proven Ways to Cut School Shopping Cost...

Back to School Savings: 6 Proven Ways to Cut School Shopping Costs
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Lifestyle

What Is a Credit Union and How Is It Different from a Bank?

What Is a Credit Union and How Is It Different from a Bank?
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Credit and Lending

Beginner's Guide to Your First Credit Card

Beginner's Guide to Your First Credit Card
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Frequently Asked Questions

What is a mortgage?
A mortgage is a home loan that you pay back over a number of years. Your mortgage payment typically includes the principal (the original amount you borrow), interest (the amount you pay to borrow the principal), taxes and insurance.
Learn more in our Beginner’s Guide to Mortgages, and get more tips from our real-estate lending experts. Stay tuned for our free, virtual and hybrid homebuying classes!
What is a credit score and how is it calculated?
A credit score is a formula that lenders use to help determine how likely a borrower is to pay back borrowed money. Lenders, such as credit unions, look at the credit score to determine the type of credit that would best fit the borrower at the time of their application.
Your credit score is determined by factors such as: bill payment history, length of credit history, current unpaid debt, how much of your available credit you’re using, new credit requests, and if you have had debt sent to collection, foreclosure, or bankruptcy.
Learn more in our blog post What Makes Up A Credit Score.
How do you learn to stick to a budget?
Setting goals is one way to hold yourself accountable and stick to your budget. Having short term and long term goals can help you stay on track and feel more in control. An example of a small goal could be not ordering take out for two weeks, while a longer term goal could be saving money each week to build up an emergency savings account.
Check out The Top Four Reasons To Consider a Financial Plan to learn more.
Why is a budget important?
Maintaining a budget is important to ensure you are living within your means. Budgeting helps you control your spending, while helping you stay organized and able to pay your bills on time.
Learn more in our blog post Budgeting for Everyone.
What is a budget?
A budget is your financial plan that estimates money coming in (income), and money going out (expenses) for a certain period of time.