But see, that presents a problem for ICCU. Here at ICCU, our mission is to help our members achieve financial success \u2014 and we can\u2019t do that if you don\u2019t have the right tools or know-how. That\u2019s why we\u2019ve assembled resources that will help you with not only credit, but every stage of your financial journey.<\/p>\n\n\n\n
Here are three FREE personal finance tools<\/strong> we\u2019ve made exclusively for you, our members.<\/p>\n\n\n\n If you\u2019ve ever thought to yourself, \u201cWhy didn\u2019t they teach me about personal finances<\/a> in school?\u201d then you\u2019re in luck. We\u2019ve partnered with MoneyEdu to do just that.<\/p>\n\n\n\n MoneyEdu<\/a> is a free<\/strong> program (to ICCU members) that can help you \u2026<\/p>\n\n\n\n MoneyEdu courses will walk you through must-know topics in today\u2019s world \u2014 how to avoid financial scams, use a credit card wisely, manage your credit score, and everything in between.<\/p>\n\n\n\n How to find it: <\/strong>You can access MoneyEdu here<\/a> or by visiting iccu.com. In the sites main navigation window, click Services > Financial Wellness Center > MoneyEdu.<\/mark><\/em><\/p>\n\n\n\n My Credit gives you the ability to check your credit report daily \u2014 with no impact to your credit score. It can notify you when your score changes, help you predict your score in the future, and show you personalized offers.<\/p>\n\n\n\n How to find it: <\/strong>If you\u2019re a member at ICCU, all these capabilities and more are in your eBranch Online Banking or Mobile App. Once you open the app, you can locate it by clicking More (mobile) > Planning and Offers > My Credit.<\/mark><\/em><\/p>\n\n\n\n If you\u2019re the kind of person who likes to stay on top of your credit, these features are for you. Score Analysis shows you each puzzle piece of your credit score<\/a> (credit usage, inquiries, account mix, etc.) and ranks them with a letter grade.<\/strong> That way, you can tell which pieces you need to improve with a quick glance. The Credit Report option reports similar information but in much more depth. This is where you\u2019ll find a full list of your accounts, inquiries, collections, and more.<\/p>\n\n\n\n Got loans? The Credit Report will show you your current balance and how much you\u2019ve paid off. Got credit cards? It will show you the percentage of credit you\u2019ve used for each card. (Tip: Stay below 30% credit utilization for a better credit score!)<\/p>\n\n\n\n If one of your New Year\u2019s goals is to improve your credit score, you\u2019re in luck. My Credit\u2019s Score Simulator quickly shows you how to reach your dream credit. Or, if you\u2019re thinking about making a decision that might affect your credit score, you can get a glimpse of how much it will improve or decrease your score.<\/p>\n\n\n\n Take Sadie*, for example. She has a 788 credit score and wants to see if it’s possible to reach 800 soon. With the Score Simulator, she finds that if she misses her monthly payments on all her accounts for one month, her score will drop to 685, a 103-point drop. <\/em>If she pays off all her credit card balances, however, she realizes her score will raise to nearly 800, which most lenders<\/a> consider \u2018Excellent\u2019.<\/p>\n\n\n\n *Sadie is a hypothetical character meant to demonstrate product features only. Results vary.<\/em><\/p>\n\n\n\n Expenditures<\/em>. Bleh. The word can put you to sleep if you\u2019re not careful. But businesses track their daily expenditures<\/a> for a reason, and if you want to achieve financial stability, you may want to, too.<\/p>\n\n\n\n Fortunately, the Financial Wellness widget in eBranch<\/a> is here to make even the most monotonous tasks quick and easy while still giving you a complete rundown of both your spending and savings goals.<\/p>\n\n\n\n How to find it: <\/strong>If you\u2019re a member at ICCU, this finance tool and more are in your eBranch Online Banking or Mobile App. Once you open the app, you can locate it by clicking More (mobile) > Planning and Offers > Financial Wellness.<\/mark><\/em><\/p>\n\n\n\n The Spending tab shows your monthly costs, transactions, and recurring expenses. It splits your payments into several categories so you can see what area is hurting your wallet the most.<\/p>\n\n\n\n Worried you spent too much eating out last month? We\u2019ve been there. Look at the Categories section to see how much of your budget it\u2019s eaten.<\/p>\n\n\n\n Not sure what subscriptions you\u2019re paying for anymore? No worries. The Recurring Expenses section shows you exactly what you pay for month after month.<\/p>\n\n\n\n This is where the Financial Wellness tool shines. The Savings Goals tab lets you set different savings goals for each savings account<\/a>. Just set a due date and watch your goals progress the more you save. Voila!<\/p>\n\n\n\n Three free personal finance tools are at your fingertips. As a member at ICCU, you get unlimited access to MoneyEdu, My Credit, Financial Wellness.<\/p>\n\n\n\n Not a member? Join today.<\/a><\/p>\n\n\n\n![\"\"](\"https:\/\/www.iccu.com\/wp-content\/uploads\/2024\/03\/2_MoneyEdu_blog-1200x1200.webp\")
Get Quick Finance Lessons with MoneyEdu<\/mark><\/h2>\n\n\n\n
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See Your Credit Report with My Credit<\/mark><\/h2>\n\n\n\n
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<\/figure>\n\n\n\nScore Analysis and Credit Report<\/h3>\n\n\n\n
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Score Simulator<\/h3>\n\n\n\n
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<\/figure>\n\n\n\nTrack Your Progress with Financial Wellness<\/mark><\/h2>\n\n\n\n
Spending<\/h3>\n\n\n\n
Savings Goals<\/h3>\n\n\n\n
What Are You Waiting For?<\/h2>\n\n\n\n