Financial Education Center

Access free resources to improve your financial literacy and make informed decisions about your money.

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Explore Financial Topics

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Budgeting Basics

Learn how to create effective budgets, track expenses, and achieve your savings goals.

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Investing 101

Understand different investment options, risk management strategies, and long-term growth opportunities.

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Credit Management

Discover how to build good credit, read credit reports, and improve your credit score.

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Budgeting Basics

50/30/20 Budgeting Rule

This popular budgeting method helps you allocate your income across needs, wants, and savings:

  • 50% - Essential expenses (rent, utilities, groceries)
  • 30% - Discretionary spending (entertainment, dining out)
  • 20% - Savings and debt repayment

Expense Tracker Template

Access our Excel budget template to track your monthly expenses and identify areas for improvement. Templates are available at all branch locations or by contacting our financial advisors.

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Investing 101

Investment Options Overview

Learn about different investment vehicles and their risk-return profiles:

  • Low Risk: Savings accounts, CDs, government bonds
  • Moderate Risk: Mutual funds, ETFs, corporate bonds
  • High Risk: Individual stocks, crypto, options trading

Risk Tolerance Quiz

Determine your risk tolerance level with our quick quiz to help guide your investment strategy.

Credit Management

Credit Score Factors

Understand the five key components that determine your credit score:

  • 35% - Payment History
  • 30% - Credit Utilization
  • 15% - Credit History Length
  • 10% - Credit Mix
  • 10% - New Credit Inquiries

Credit Report Analysis

Learn how to read your credit report and identify errors that could be affecting your score. Visit your local branch for personalized credit report analysis services.

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