Financial Help

Accel Financial Services

Free Financial Counselingstk96447cor

From time to time, life gets tough, real tough. Sometimes there’s nothing that we could’ve done differently. We’re faced with these troubles simply because “Life” happened. At other times, we need to take a hard look at ourselves and the way we’ve been using our resources. Whatever your story, we are always happy to help.

As a credit union owner (that’s you), we need you to be financially fit. You’re an important part of this team, and we can’t afford to let any member of our organization fail. That’s the credit union difference.

Still, we understand that these conversations can be kind of awkward at times, and maybe you just want to be anonymous for a while. For those times, Filer has teamed up with Accel, a financial education and counseling program with 50 years in the business. Through our partnership with Accel, you will enjoy unlimited access to financial counselors without paying anything – it’s just another benefit of membership with Filer Credit Union.

Some of the many things Accel helps our members with include:

  • Personal and family budgeting
  • Understanding your credit report and how to improve your score
  • Money management
  • Debt repayment
  • Avoiding bankruptcy, foreclosure and repossession  
  • Bankruptcy Counseling (when to file and when not to file)

To find out more, click the link below and get started, or call Filer Credit Union at 1-800-595-6630, and we’ll help point you in the right direction.

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Help Creating a Budget

BudSmartLogoBudgetSmart is another program available through Accel. This easy-to-use software tool uses simple graphics, “pop-up” boxes and bar charts to help you manage your money more effectively. You can use the program to:

  • Establish a budget
  • Track spending
  • View tips for improving areas of overspending or inadequate saving
  • Experiment with “what if” scenarios to determine how a major purchase or change in income would impact your budget

To access the software, go to the BudgetSmart page and click the yellow “Download Now” button on the right hand of your screen.

Trouble With Checking?

CheckrightAccel also offers CheckRight, which is a web-based checking account management education course that teaches the basics of how to manage a checking account. The whole course is a self-study, self-paced program, so there really is no pressure. It even has tests. Remember how fun tests are? They help you retain the knowledge you learn! Don’t worry though, no one is grading you this time.

Review Your Credit Report

There is a free way to do this, and a not-so free way. The free way is the one we prefer, and here is the link: AnnualCreditReport.com. If you need help reviewing your report, call one of our loan officers.

Skip-a-Pay

Need a break? Use this coupon to skip one loan payment per year. You’ll still have to pay it back at the end of the loan, but this can be really helpful for the hard times, which we ALL have experienced. See coupon for full details and call a loan officer if you have any questions.

Coupons need to be signed by all borrowers and co-borrowers and turned in at one of the credit union’s branches.

Consolidation Loans

Then again, maybe your situation just needs a little kick-start. Maybe you have 5 loans that you’re paying on, and it’s just getting ridiculous. Well, we can help with that too. We offer consolidation loans to help you simplify your bills and save some extra income. Click below or call 1-800-595-6630 to find out more about our Consolidation Loans.