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# Wayne Westland Federal Credit Union

Serving the Community for Over 70 Years! 

## Sitemaps

- [XML Sitemap](https://wwfcu.org/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [News](https://wwfcu.org/news/) - Stay up to date with the latest news and information from WWFCU.
- [Protecting Our Loved Ones: Understanding Elder Financial Abuse](https://wwfcu.org/protecting-our-loved-ones-understanding-elder-financial-abuse/) - As our parents, grandparents, and loved ones age, they can become more vulnerable to different forms of abuse, especially financial abuse. Elder financial abuse occurs when someone improperly uses an older adult’s money, property, or personal information for their own benefit. Unfortunately, it is one of the most underreported forms of abuse, often because victims
- [How to Protect Your Online Accounts – Tips & Tricks for Everyday Protection](https://wwfcu.org/how-to-protect-your-online-accounts-tips-tricks-for-everyday-protection/) - In today’s digital world, your personal and financial life are more connected than ever. Whether you’re checking account balances on your phone, transferring funds online, doing a little online shopping or posting to social media -- convenience is at your fingertips. Unfortunately, so are potential security risks and scams. The good news though? You don’t need
- [Raising Money Smart Kids: Fun, Practical Ways to Build Lifelong Financial Skills](https://wwfcu.org/raising-money-smart-kids-fun-practical-ways-to-build-lifelong-financial-skills/) - Teaching kids about money doesn’t have to feel like a boring chore—it can be one of the most meaningful (and even fun!) lessons you give them. Kids are naturally curious, and money is something they see every day: at stores, online, and even in games. With the right approach, everyday moments can turn into powerful
- [Credit Report Spring Cleaning: A 20-Minute Habit That Could Save You Money!](https://wwfcu.org/credit-report-spring-cleaning-a-20-minute-habit-that-could-save-you-money/) - Spring is the season for fresh starts—and that shouldn’t stop with your closets. March is National Credit Education Month, making it the perfect time to do a little spring cleaning on your credit report. Why does this matter? Because even small errors on your credit report can impact your ability to qualify for the best rates on auto loans,
- [Your Guide to Understanding the Debt-to-Income Ratio](https://wwfcu.org/your-guide-to-understanding-the-debt-to-income-ratio/) - When it comes to managing and taking control of your finances, there are a lot of numbers you must keep track of. Budgeting bills, setting money aside for savings, but have you ever thought about your debt-to-income ratio? Whether you are thinking about applying for a loan or simply working towards your financial goals, understanding
- [What is a Certified Credit Union Financial Counselor (CCUFC)?](https://wwfcu.org/what-is-a-certified-credit-union-financial-counselor-ccufc/) - A Certified Credit Union Financial Counselor is a credit union professional certified by the Credit Union National Association (CUNA). Not only are these CCUFC’s available to provide financial education, but they can also help with methods to increase your credit and ways to efficiently pay down debts. They are skilled in constructing budget plans, finding
- [Tax Me if You Can](https://wwfcu.org/tax-me-if-you-can/) - The start of a new year is an exciting time and full of new resolutions for most of us—getting in shape, taking that dream vacation, or finally getting control over your finances. While your WWFCU financial gurus can’t give you tips on fitness or travel, we can certainly share our tax filing tips! Here’s everything
- [Smart Holiday Spending: Keep Your Finances Merry and Bright](https://wwfcu.org/smart-holiday-spending-keep-your-finances-merry-and-bright/) - The holiday season is a time for joy, giving, and celebration- but it can also be a time of financial stress if spending gets out of control. At Wayne Westland Federal Credit Union, we want to help you enjoy the holidays without breaking the bank. Here are some practical tips to keep your finances on
- [Understanding Loan Interest – The Cost of Borrowing Money](https://wwfcu.org/understanding-loan-interest-the-cost-of-borrowing-money/) - Borrowing money is something most of us will do at some point in life—whether it’s for a car, a home, higher education, or unexpected expenses. Loans are part of adulthood. But here’s the catch: when you borrow, you almost always pay back more than you took out. That extra amount is called interest and understanding how it works can save you a lot of money
- [Celebrating Credit Union Kind Day and International Credit Union Day](https://wwfcu.org/celebrating-credit-union-kind-day-and-international-credit-union-day/) - Credit unions aren’t just banks with a different name—they’re financial cooperatives owned by people like you. At the heart of everything we do is a simple idea: people helping people. This month, WWFCU is excited to share more about two special events—Credit Union Kind Day and International Credit Union Day—and why they matter. But before
- [Be Advised: Spoofing Alert](https://wwfcu.org/be-advised-spoofing-alert/) - WWFCU has been notified that our phone number has been spoofed. Please remember, WWFCU will never call you asking for sensitive account information. If you get a call that seems suspicious, hang up immediately and call us back. Stay vigilant, Stay safe!
- [Start Them Young: A Parent's Guide to Financial Education](https://wwfcu.org/start-them-young-a-parents-guide-to-financial-education/) - The new school year brings a valuable opportunity for growth, both inside and outside of the classroom. Parents often wonder what they can do at home to help support their child’s education. Aside from academics, it is never too early to start teaching children about important life skills, including financial literacy. In this month’s blog,
- [Starting From Scratch – Limited Borrower’s Guide to Building Credit](https://wwfcu.org/starting-from-scratch-limited-borrowers-guide-to-building-credit/) - Have you ever found yourself in the position of applying for a loan and being denied due to limited credit history? It can feel like applying for a job and being turned down for lack of experience. It’s the classic catch-22, so what can you do? If you’re someone who is just starting out with
- [What Is Predatory Payday Lending—and How to Avoid Becoming a Victim](https://wwfcu.org/what-is-predatory-payday-lending-and-how-to-avoid-becoming-a-victim/) - We’ve all faced situations where we needed money—and needed it fast. Maybe your car broke down, an unexpected bill showed up, or you’re just a little short on rent this month. The idea of walking into a payday lender and walking out with cash in hand might seem like the perfect solution. But while this
- [3 Considerations When Shopping for Auto Loans](https://wwfcu.org/3-considerations-when-shopping-for-auto-loans/) - When shopping for an auto loan, there are several items to consider that directly relate to the total cost and general affordability. Below are at least 3 topics to keep in mind: Interest Rate This will have a significant impact on the overall cost of the loan. The interest rate can vary widely depending upon
- [Just Graduated? Here’s How to Build Credit and Set Yourself Up for Success](https://wwfcu.org/just-graduated-heres-how-to-build-credit-and-set-yourself-up-for-success/) - Hey grads – congrats! 🎉🎓 You did it! High school is officially in the rearview mirror, and your future is wide open. Whether you’re headed to college, starting a job, or still figuring things out, there’s one smart move you can make right now that will pay off big-time down the road: start building your credit.
- [HOME BUYING 101](https://wwfcu.org/home-buying-101/) - Buying a home is one of life’s most exciting and significant milestones, but it can also be a time of stress and feeling overwhelmed without the proper guidance. Starting with saving for a down payment, navigating all the different mortgage options, then finally searching for your dream house; the process is full of decisions requiring
- [Join Our Team - WWFCU is Hiring](https://wwfcu.org/join-our-team-wwfcu-is-hiring/) - Apply Now
- [Don’t Tax My Credit Union: The Fight to Protect Your Financial Future](https://wwfcu.org/dont-tax-my-credit-union-the-fight-to-protect-your-financial-future/) - Earlier this month, our CEO Joleen Bowman, alongside two other team members, attended the 2025 Governmental Affairs Conference for Credit Unions in Washington, D.C. While there, they gathered valuable insights and served as advocates in the ongoing effort to preserve the not-for-profit tax status of credit unions. But what does this mean for you, and
- [Protecting Yourself from Debit Card Fraud: Simple Tips to Keep Your Money Safe](https://wwfcu.org/protecting-yourself-from-debit-card-fraud-simple-tips-to-keep-your-money-safe/) - Debit card fraud happens when someone else uses your card to make purchases without your permission. In 2024, losses from this kind of fraud hit about $6.2 billion in the U.S.—that’s roughly $19 per person and a 5% jump from last year. We’re here to share a few essential tips to help you lower your
- [So, You're Ready to Buy a Car](https://wwfcu.org/so-youre-ready-to-buy-a-car/) - Purchasing a car is a huge financial decision with more things to consider than just what color to get. Whether you are buying your first car, a used car, or the shiny new sports car of your dreams, there is a lot to think about. What will the payment be? The Financial Gurus have discussed
- [It's Tax Season](https://wwfcu.org/its-tax-season/) - Benjamin Franklin said it best when he proclaimed, “in this world, nothing is certain except death and taxes”. While there is something to be said about paying your fair share, not much takes the sting out of paying taxes. A study by the Pew Research Center in Washington, DC shows that 56% of Americans have
- [Taking Control of Your Finances](https://wwfcu.org/taking-control-of-your-finances/) - With 2023 in our rear view mirror, it's time to kick off 2024 with some new year’s resolutions. Most resolutions can be as simple as working out more, eating healthier, saving money or starting a new hobby. While there are a million resolutions you could make, your WWFCU Financial Gurus have a suggestion for
- [New Online and Mobile Banking Platform](https://wwfcu.org/new-online-and-mobile-banking-platform-goes-live-january-16th/) - We are excited to announce that our home banking site and mobile app has been upgraded and refreshed. New features will include: Touch ID or PIN authentication View balances and account activity Make deposits with a snap of your camera Bill pay and person-to-person payments Transfer funds Personalize your app Branch and ATM locations Chat
- [Identity Theft](https://wwfcu.org/identity-theft-2/) - Did you know, on average someone becomes a victim of identity theft every two seconds in the United States? Identity theft occurs when someone uses your Personal Identifiable Information; such as your name, social security number, or birthdate to impersonate you. Identity thieves can use your stolen information to access bank or investment accounts, open
- [Common Scams & How to Protect Yourself](https://wwfcu.org/common-scams-how-to-protect-yourself/) - It’s the most wonderful time of the year! The busy holiday season is now upon us, or as your WWFCU Financial Gurus refer to it, “The Scam Season!” With Christmas festivities in full swing, and everyone busy deciding which presents to buy, the scammers are hard at work. They are constantly learning new techniques and
- [Fall Into a Great Rate - Certificate Special](https://wwfcu.org/fall-into-a-great-rate-certificate-special/) - Earn 5.25% - 5.35% APY* Offer Expires - November 30, 2023. 13-Month Term. Minimum deposit of $500. Maximum deposit of $100,000.
- [Contactless Cards Now Available](https://wwfcu.org/contactless-cards-now-available/) - It's a brand-new year and our plastics are getting a makeover! Our new Mastercard Debit and Visa Credit Cards now come with contactless capability. Keeping things simple, with Tap and Go!
- [Member Loyalty - Share Certificate Special](https://wwfcu.org/member-loyalty-cd-special/) - 3.25% APY* - 12 month term. $500 Minimum / $50,000 Maximum Valid Thru January 31, 2023 Must be a current WWFCU member. Funds must be on deposit as of 12/31/2022. *Annual Percentage Yield (APY) of 3.25%. Early withdrawal penalties may apply.
- [How to Keep Your Cards Safe in the Digital Age](https://wwfcu.org/how-to-keep-your-cards-safe-in-the-digital-age/) - Technology has made huge advancements in the last few decades. While these improvements are exciting, they also bring new challenges and security risks. With increased cell phone usage, social media, and online shopping, fraudsters are finding more and more ways to steal our information. And as if that wasn't enough, Artificial Intelligence (AI) has now
- [The Fair Credit Reporting Act (FCRA)](https://wwfcu.org/the-fair-credit-reporting-act-fcra/) - This year, Wayne Westland Federal Credit Union is proud to be celebrating 70 years of serving our community and building relationships with each of our members. Without you, we could not have made it to this incredible milestone. Over the past 70 years, our industry has undoubtedly seen many improvements made and regulations put into
- [Estate Planning](https://wwfcu.org/estate-planning/) - End of life planning is one of those things that we all tend to put off. No one enjoys thinking about what will happen once they pass away or how they would like their estate handled. Having this difficult conversation with your loved ones is critical in expressing your wishes and how things are to be taken
- [Impulse Applying?](https://wwfcu.org/impulse-applying/) - We’ve all been there, at a store getting ready to check out when the cashier asks, “Would you like to save 20% on your purchase today by applying for our in-store credit card?” Before you answer that question, here are a few vital things to ask yourself before applying for a credit card. Do I NEED
- [Credit Union vs. Bank  What's The Difference?](https://wwfcu.org/credit-union-vs-bank-whats-the-difference/) - As WWFCU continues to celebrate its 70th anniversary and we reflect over the years, one question that we always seem to hear is “what is the difference between a credit union versus a bank? Why should I want to do business with a credit union over a bank?” If you yourself have ever wondered this
- [How To Understand Interest on Your New Loan](https://wwfcu.org/how-to-understand-interest-on-your-new-loan/) - When you obtain a new loan, there are many things to consider. Can you afford the monthly payment? How long will it take to pay off the loan? One key factor in answering both questions is determining what your interest rate will be. The interest rate accounts for the full finance charges, or in simple
- [Auto Loans 101](https://wwfcu.org/auto-loans-101/) - Certainly, everyone will take different paths in life. But chances are every one of us will experience purchasing a vehicle at one time or another. Whether it’s brand new or just new to you, buying a car can be an intimidating process. The WWFCU Financial Gurus are here to help guide you through the financing
- [Cybersecurity Safety Tips ](https://wwfcu.org/cybersecurity-safety-tips/) - The holiday season is here, and while most of us are busy spreading festive cheer, checking our holiday shopping lists, and preparing for family gatherings, it's also the perfect time to talk about something that's become more important than ever—cybersecurity. With the rise in online shopping, banking, and social interactions, the holiday season unfortunately brings
- [Becoming Debt Free](https://wwfcu.org/becoming-debt-free/) - Happy New Year, and welcome to 2025! As we enter a new year, we celebrate Earth’s journey around the sun, which brings with it a sense of hope, new beginnings, and the opportunity for growth. Many people take this time to reflect on their lives and set resolutions, it could be trying a new hobby,
- [Coming soon - Credit report insight at your fingertips!](https://wwfcu.org/coming-soon-credit-report-insight-at-your-fingertips/) - Discover how easy it is to review, monitor, and improve your credit score with help from WWFCU! Unlock More Financial Tools with Our Online & Mobile Banking At Wayne Westland Federal Credit Union, we’re constantly working to bring you new ways to manage and improve your financial health. That’s why we’ve enhanced our online and mobile
- [Planning Your Financial Success](https://wwfcu.org/planning-your-financial-success/) - Accel has been assisting individuals for more than 40 years. They are a team of highly qualified individuals and can give personalized answers to your individual needs.
- [Car Loans - Still Many Options Available](https://wwfcu.org/car-loans-the-simple-benefits/) - Given the problems with our economy, it is generally more difficult to obtain car loans these days. However, many options still exist, and most people who want to finance a car are able to do so. Here are some reasons why you can finance that vehicle you desire. Credit Unions have realized that it is
- [Home Equity Loans May Still Be An Option For You](https://wwfcu.org/take-advantage-of-home-equity-loans/) - The housing bubble suffered in our country these past few years has affected the number of issued. However, many homeowners can still qualify for these loans, and they can be an excellent means of financing. Below are some key points to keep in mind. How Much Equity does your House have? A major problem for
- [Share Secured Loan - An Attractive Option for Credit Union Members](https://wwfcu.org/share-secured-loan-an-attractive-option-for-credit-union-members/) - A share secured loan is very simply a loan which is secured or guaranteed by money in your shareholders account. This is an attractive loan option and provides a low risk way for your Credit Union to loan you money. In many cases, before a Credit Union provides a loan to one of its members,
- [Simple Assessments Of Acquiring Used Car Loans](https://wwfcu.org/simple-assessments-of-acquiring-used-car-loans/) - Shopping for used car loans can be as stressful as shopping for the car itself, and they can actually be more complicated than new car loans. Moreover, they pose a higher risk for the borrower. First and foremost, it is vital you take the time to assess the true value of the car. The lender
- [Get the Best RV Loan Possible](https://wwfcu.org/get-the-best-rv-loan-possible/) - The economy has had a negative effect on many things, including the process of acquiring an RV loan. It can be a challenge if you are not familiar with the loan process. What should one take into consideration when searching for the best RV loan possible? First, think about RV insurance, roadside assistance coverage, license
- [Credit Union vs. Bank – Do you want to be a Member or a Customer?](https://wwfcu.org/credit-union-vs-bank-do-you-want-to-be-a-member-or-a-customer/) - There are a number of decisions you need to make when you begin your search for a financial institution. One decision is whether you want to keep your funds at a credit union or a bank. It’s a choice of being a member and part owner of a credit union or just a customer who
- [Banks versus Credit Unions – How much Influence does the Customer Have?](https://wwfcu.org/banks-versus-credit-unions-how-much-influence-does-the-customer-have/) - With your bank, do you actually have input in the decision making processes that affect your money? Credit unions have members, not customers, and each of them has a stake in the organization. When hard choices have to be made, they’re not decided by a small group of bank executives. They’re voted on by members.
- [Mobile Banking Advantages](https://wwfcu.org/mobile-banking-advantages/) - In the continuing evolution of the banking industry, consumers are replacing some functions of online banking and ATM’s with mobile banking applications. Mobile banking provides the ability to obtain account information and to complete certain financial transactions using a cellular connected device. With an increasing number of institutions providing banking apps, mobile phones and tablet
- [Understanding Your Credit Score](https://wwfcu.org/understanding-your-credit-score/) - A credit report is a reflection of an individual’s ability to manage money and debt. It serves as a tool for creditors to evaluate the credit worthiness of those seeking loans for a variety of purposes, including mortgages, vehicle loans, and revolving credit facilities. The combined record of activity in a person’s credit report results
- [Saving Money through Loan Refinancing](https://wwfcu.org/saving-money-through-loan-refinancing/) - Refinancing can provide relief from unmanageable payments and can add additional revenue to meet other monthly obligations. Refinancing can be utilized for an individual loan, or several loans can be consolidated into a single monthly payment. The actual process of refinancing a loan consists of securing a second loan and applying those funds to pay
- [Mobile Banking Apps - Provides Consumer Flexibility](https://wwfcu.org/mobile-banking-apps-provides-consumer-flexibility/) - Mobile banking apps provide consumers with remarkable flexibility in conducting financial transactions remotely. Unlike online banking that requires an internet or Wi-Fi connection from a specific location, mobile banking allows a member to access a variety of banking functions from a cellular connected device. As more Credit Unions adopt mobile banking formats that can be
- [Benefits of Online Banking](https://wwfcu.org/benefits-of-online-banking/) - To take advantage of the convenience provided by the internet, many Credit Unions are structuring their websites to accommodate interactive banking. For many members of Wayne Westland Federal Credit Union, online banking offers exceptional ease of use and a variety of services that save time and reduce banking related expenses. While some people may feel
- [Certificate of Deposit - The Financial Safe Haven](https://wwfcu.org/certificate-of-deposit-cd-the-financial-safe-haven/) - A certificate of deposit is an extremely safe financial instrument designed to provide a higher yield than traditional savings accounts. CD’s can be an attractive savings alternative if the account holder does not need immediate access to the funds. Understanding CD’s Unlike stocks, bonds, and mutual funds, CD’s are not subject to daily market fluctuations.
- [Financial Counseling - Understanding Money Management Basics](https://wwfcu.org/financial-counseling-understanding-money-management-basics/) - Understanding how to properly manage money can be complex and often intimidating. Financial counseling provides insight into many strategies that will help to reduce debt, raise credit scores, and increase savings. Usually offered through local Credit Unions, financial counseling introduces members to qualified, friendly people that are trained in a variety of financial disciplines. In
- [IRA - The Reliable Retirement Investment Vehicle](https://wwfcu.org/ira-the-reliable-investment-vehicle/) - With the long-term solvency of social security still in question, it is becoming increasingly important to plan for self-sufficiency in retirement. Regardless of age, IRA’s are a valuable tool provided to enhance retirement savings. IRA and 401k Rollover services are available through Wayne Westland Federal Credit Union. IRA’s present substantial tax benefits compared to regular
- [Money Market Accounts - Safety and Flexibility](https://wwfcu.org/money-market-accounts-safety-and-flexibility/) - Credit Union accounts are similar to regular savings accounts, with added features designed to increase yields. Wayne Westland Federal Credit Union money market accounts offer exceptional flexibility and may prove to be the right choice for those who will not need to access their savings on a regular basis Money Market Features When considering money
- [Retirement Planning Tips](https://wwfcu.org/retirement-planning-tips/) - Regardless of age, planning for retirement is an important component of any long-term financial strategy. Through the benefits of modern medicine, people are commonly living well into their 80s and beyond. Coupled with the continuing uncertainty surrounding social security benefits, careful planning is vital to ensure adequate financial resources are available throughout retirement. At its
- [AAA Auto Insurance for Members](https://wwfcu.org/aaa-auto-insurance-for-members/) - For every driver, auto insurance is a vital necessity. Since there are so many confusing coverage choices, it can be challenging to find the right car insurance policy. Before purchasing auto insurance, it is important to identify your specific needs and to understand the factors that affect insurance rates. Important Coverage Considerations Becoming informed about
- [ATM - The Automatic Teller](https://wwfcu.org/atm-the-automatic-teller/) - Automatic Teller Machines (ATM) serve an important role in the complete banking experience. ATM’s provide outstanding convenience and a variety of banking services available at many locations. Small, wallet sized cards allow access to ATM machines and often serve as debit cards that are accepted at most retail stores and supermarkets. The use of the
- [AAA Homeowners Insurance for Members](https://wwfcu.org/aaa-homeowners-insurance-for-members/) - Anyone who owns a home recognizes its importance and substantial value. Homeowners insurance provides security and peace of mind in the event of an unexpected catastrophe. When evaluating and comparing insurance companies, it is important to understand the numerous coverage and policy options that are available for homeowners. Qualified insurance agents can be helpful in
- [Michigan Credit Unions - Where Members Are Owners](https://wwfcu.org/michigan-credit-unions-where-members-are-owners/) - While the current economic environment remains challenging, Michigan Credit Unions continue to attract new members with personalized service and innovative banking products. Since Credit Union account holders are also members, employees recognize that every member is also an owner. As traditional banks raise fees, eliminate incentives, and tighten lending standards, Credit Unions are introducing innovative
- [Credit Union Consolidation Loans - A Better Option for Savings](https://wwfcu.org/credit-union-consolidation-loans-a-better-option-for-savings/) - For anyone struggling with substantial debt from credit cards and other unsecured loans, a consolidation loan from a local Credit Union can provide immediate financial relief. The debt consolidation process involves combining separate high interest loans into one single balance and monthly payment. Debt consolidation typically provides a lower interest rate than the combined rate
- [Credit Union Michigan - Where Members Achieve Their Financial Goals](https://wwfcu.org/credit-union-michigan-where-members-achieve-their-financial-goals/) - Credit Unions are financial institutions that offer a wide variety of banking products and services. Unlike traditional banks, Credit Unions are founded by groups of people that share common interests. Usually based around communities, associations, or employees of large corporations, Credit Unions are owned and operated by their members. This provides a level of service
- [Used Auto Loans - A Financially Smart Approach to Car Ownership](https://wwfcu.org/used-auto-loans-a-financially-smart-approach-to-car-ownership/) - Purchasing a used car is an excellent strategy for avoiding the substantial depreciation associated with buying a new vehicle. As the economy continues to recover and sales of new cars accelerate, dealers are eager to liquidate their growing inventory of trade-in models. This presents anyone in the market for a pre-owned vehicle with an opportunity
- [Save More of Your Money with Low Payment Loans](https://wwfcu.org/save-more-of-your-money-with-low-payment-loans/) - There are times when an individual or family needs a large amount of cash that can only be obtained through a loan. The money might be used to pay medical bills, purchase a car, consolidate debt or replace an appliance that is beyond repair. When the situation becomes urgent, a lower monthly payment may be
- [Credit Union Loan Specials](https://wwfcu.org/loan-specials/) - Credit Unions are structured differently than traditional banks, and they often play a more active role in the local community. Since every account holder in a Credit Union is also a member, the institution and its employees develop a genuine rapport with people in the surrounding area. This continuing involvement in the community is evident
- [What is identity theft, and how do you protect yourself?](https://wwfcu.org/what-is-identity-theft-and-how-do-you-protect-yourself/) - Identity theft, the illegal use of a target’s personal information, such as a social security or credit card number, to pose as that person for financial gain, is rapidly growing both in the United States and abroad. With 8.1 million victims and $37 billion dollars lost in 2010, identity theft is big business. According to
- [Successful Money Management Rules](https://wwfcu.org/successful-money-management-rules/) - Ten Rules for Successful Money Management Never forget that the most important factor in wise money management is not how much money you make, it’s how you use your money. Here are ten rules that can help almost anyone achieve financial success. 1. Arrange a money management system that works for your family. It
- [Do You Know Your Credit Rights?](https://wwfcu.org/do-you-know-your-credit-rights/) - Today, building and maintaining a good credit score is of vital importance. Businesses often take your credit rating into account when evaluating you for a loan, lease, and even employment; so it is useful to understand how credit works and what your credit rights are as a consumer. There are three major federal laws that
- [Lifelong Money Management Tips](https://wwfcu.org/lifelong-money-management-tips/) - Life is an unpredictable adventure. Try as you might, you can never plan for unexpected events such as natural disasters, theft or death. The best way to prepare yourself and your loved ones for such emotionally unstable times is to have a well organized financial life. Use these tips to make sure that you have
- [Check your Credit Report Regularly](https://wwfcu.org/check-your-credit-report-regularly/) - There is a classic Jack Benny line from one of his comedy skits that while walking down a street, a robber sticks a gun in Benny's back and says, “Your money or your life?” As the miserly Benny pauses to ponder the question and formulate his answer, the impatient robber warns “Well?” Benny blurts, “I'm
- [Back-to-School Savings for Your Household Budget](https://wwfcu.org/back-to-school-savings-for-your-household-budget/) - The start of a new school year means new teachers, new friends, and new challenges for kids and teenagers. It can also mean new and expensive supplies for parents to buy! This year, parents and students will spend 68 billion dollars getting ready for the new year of school. Savvy parents can take steps to
- [Reducing Expenses to Achieve Your Goals](https://wwfcu.org/reducing-expenses-to-achieve-your-goals/) - Each family has its own unique goals, whether it is taking annual trips to Disney, fully funding the kids' college funds, or paying off the mortgage before retirement. All of these goals have one thing in common–the need for extra money, above and beyond what is required for the daily household budget. One of the
- [Five Savvy Moves to Improve Your Credit Score](https://wwfcu.org/five-savvy-moves-to-improve-your-credit-score/) - If you are planning on applying for a loan or a mortgage in the near future, you'll want to make sure that your credit score is in tiptop shape. Here are five things you can do to improve your credit score immediately. Pay Your Bills On Time, Every Time More than one-third of your credit
- [Choosing A Credit Counselor](https://wwfcu.org/choosing-a-credit-counselor/) - Does your credit card balance increase each month, even though you make payments? Are debt collectors calling you? Do you run out of money before your next paycheck? If your answers to these questions are "yes," then you should consider finding a credit counselor to help you get your finances back on track. Just know
- [How Much Debt Is Too Much?](https://wwfcu.org/how-much-debt-is-too-much/) - Credit is a part of everyday life, and it can be a great tool. Used wisely, good credit can help people score better deals on homes and cars and even land better jobs. The flip side of credit, however, is debt, and debt can be a huge burden. More American families are in greater debt
- [Planning Your Retirement](https://wwfcu.org/planning-your-retirement/) - Planning for retirement can seem like an overwhelming task. There are so many options to choose from, and the goal can seem very unclear, especially if you have many years of work ahead of you. In this economic climate, hoping for a simple pension plan from an employer is not the realistic retirement plan it
- [What's Your Money Personality?](https://wwfcu.org/whats-your-money-personality/) - Everyone thinks of money differently. Perhaps your grandmother clipped coupons and watched every penny, while your neighbor never seems to think about tomorrow when he has money today, while “you” love to dream about your retirement to a tropical paradise someday. The way you think about money (the type of money personality you possess), becomes
- [Surviving a Layoff - Tips to Help You Cope with a Layoff](https://wwfcu.org/surviving-a-layoff/) - In these financial times, layoffs are a possibility nearly everyone thinks about. They hope it won't happen to them. But what do you do if you are the one laid off? Smart financial planning from Day 1 will help ease the pain as you move from one job to another. Ideally, planning for a layoff
- [The Benefits of Direct Deposit](https://wwfcu.org/the-benefits-of-direct-deposit/) - Most people are familiar with the idea of direct deposit. You fill out a little form with your employer, perhaps attach a voided check, and a few weeks later, your paycheck stops coming in the mail and begins showing up directly in your account. It's a simple little idea, but it has a lot of
- [What Are E-Statements and Their Benefits?](https://wwfcu.org/what-are-e-statements-and-their-benefits/) - Online banking has become very popular in the past few years, with customers enjoying the convenience and security of 24-hour access to their money from home. When it comes to communications with their Credit Union, however, many people still receive paper statements in their mailbox each month. Paper statements provide the comfort of familiarity, but
- [How Can Mobile Banking Benefit You?](https://wwfcu.org/how-can-mobile-banking-benefit-you/) - With the growing presence of the internet in everyday life, it's natural that more people every year are learning to use online banking. Being able to access your Credit Union information at any hour of the day or night from home is a valuable tool for managing your money, building budgets, and paying bills. These
- [WWFCU DRASTICALLY CUTS LOAN RATES BY ALMOST 50%!](https://wwfcu.org/wwfcu-drastically-cuts-loan-rates-by-almost-50/) - (Westland, Michigan) Wayne Westland Federal Credit Union is pleased to announce the largest reduction in loan rates in their 57-year history. The Management team at WWFCU approved a reduction of nearly 50% of their current secured rates. This major reduction was a move directed at the current economic conditions, so the local community can take
- [Get a chance to win $15,000 on the way to your maximum refund with TurboTax](https://wwfcu.org/get-a-chance-to-win-15000-on-the-way-to-your-maximum-refund-with-turbotax/) - Take advantage of this limited-time offer for Wayne Westland Federal Credit Union members: Try any TurboTax® Online product for FREE and automatically be entered for a chance to win $15,000! You don’t pay unless you are 100% satisfied. TurboTax brings you Total Assurance protection so you can feel 100% confident about your taxes: Maximum refund,
- [Loan Transfer - Transfer Your Loans with Ease](https://wwfcu.org/loan-transfer-transfer-your-loans-with-ease/) - Loans are often a big help, especially when it comes to expensive things like cars, motorcycles, or boats. They can also be a burden. There are options for saving money with a system provided by RateMatch. The RateMatch service creates a free credit report that offers more detailed information than a standard credit report, which
- [How to Take Advantage of Share Pledge Loans](https://wwfcu.org/how-to-take-advantage-of-share-pledge-loans/) - There are many types of loans out there. Some have such high interest rates and so many fees tacked on that they are undesirable. A Share Pledge loan, however, may be the answer. Normally issued at a much lower interest rate, a Share Pledge loan from a Credit Union is a loan that is issued
- [The Convenient Benefits of E-Statements](https://wwfcu.org/the-convenient-benefits-of-e-statements/) - There are many benefits to a Credit Union. One of these is e-statements. Instead of waiting for a statement to come in the mail every month, you can log in to a website any time to see an electronic copy of your statement, to easily track and manage your account. This is usually a service
- [The Environmental Impacts of Paper – Go Green](https://wwfcu.org/the-environmental-impacts-of-paper-go-green/) - Just about every aspect of financial affairs involves some form of a paper document. From monthly statements to contracts and agreements to paper checks, vast amounts of paper need to be manufactured, transported, and disposed of. All of this paper has a significant impact on the environment. The volume of paper produced does mean more
- [Look for a Smarter Way to Manage Your Money](https://wwfcu.org/look-for-a-smarter-way-to-manage-your-money/) - If you fall into a typical income bracket, then most likely you have a limited amount of money to spend. Budgeting can be a challenge, and unanticipated expenses can regularly come up, tacking onto rent, car payments, and other financial obligations most people have. What you have left of your income for spending can be
- [Ways to Protect Your Identity from Fraud](https://wwfcu.org/ways-to-protect-your-identity-from-fraud/) - Every year millions of people in the United States are affected by identity theft. Credit cards, social security numbers, and bank account numbers are the most commonly compromised forms of personal information. Thieves can change the billing address on a credit card account, make charges to it, and run up bills which they will not
- [Smart Tips on Planning for Retirement](https://wwfcu.org/smart-tips-on-planning-for-retirement/) - Many people have set goals for their retirement. Others don’t even want to think about it. It is important to consider what sources of income and savings will be available when planning for retirement. Building a money reserve is one of the most important aspects of this planning process. Experts advise people to start as
- [How Financial Guidance can be Beneficial](https://wwfcu.org/how-financial-guidance-can-be-beneficial/) - Creating a plan for managing finances is important at every stage of life. It is not always easy to implement and follow because unexpected expenses can crop up at any time, and job situations can change, especially when the economy takes a downturn. Financial guidance can assist you in changing your habits by offering various
- [Share Pledge Loans](https://wwfcu.org/share-pledge-loans/) - If you have money in your savings account or on deposit in a share certificate with your Credit Union, you may qualify for a share pledge loan. These loans are beautifully simple: you use the money on deposit in your account as collateral for the loan you wish to take out from the Credit Union.
- [Understanding Your Credit Score](https://wwfcu.org/understanding-your-credit-score-2/) - Few things in an American consumer’s life are as critical to their financial environment as their credit score – yet relatively few of us understand how the scores work, how the credit agencies calculate the scores, or even what number constitutes a “good” score. Let’s examine the credit score system and shine some light onto
- [Avoiding Text Message Scams](https://wwfcu.org/avoiding-text-message-scams/) - The invention of text messaging – and particularly, the widespread adoption of cellular data plans that allow for unlimited texting – has been a real boon for the honest and law-abiding citizen. Text messages, also known as Short Message Service (SMS), provide tremendous convenience for today’s busy people. They let us alert loved ones that
- [Now Get Credit Union Auto Financing Right at the Dealership!](https://wwfcu.org/now-get-credit-union-auto-financing-right-at-the-dealership/) - Remember when purchasing a vehicle used to be an all day excursion? It probably meant driving to your local auto dealer, finding a car in your favorite color with just the right options, haggling over the price, filling out a lot of paperwork, and going back and forth between dealer and Credit Union with payment
- [BALANCING YOUR CHECKBOOK](https://wwfcu.org/balancing-your-checkbook/) - A NEW SYSTEM THAT IS FAST AND EASY Here’s the 21st century method for balancing a checkbook. What you will need: 1. Monthly statement 2. Checkbook register 3. A pocket calculator What you need to do: 1. Go down the checkbook REGISTER and — one by one — puts a checkmark by each entry not
- [Is Zero Percent Financing Really Your Best Deal?](https://wwfcu.org/is-zero-percent-financing-really-your-best-deal/) - Undoubtedly you’ve heard about the “zero percent financing” offers that many auto manufacturers have been promoting lately. Although they seem to be incredible deals and are certainly enticing, you should read the fine print and know the facts before you head to your local dealer. Beware of Those Teaser Rates Teaser rates have always been
- [Staying On Top Of It With e-Alerts](https://wwfcu.org/staying-on-top-of-it-with-e-alerts/) - Chances are you’re like the increasing number of people who are moving their hard-earned money out of large banks and into Credit Unions. You understand the advantages. However, Wayne Westland Federal CU is pleased to offer yet another benefit: the ability to get virtually instantaneous alerts in your email when there is activity in your
- [A Safer and More Flexible Way To Grow Your Money](https://wwfcu.org/a-safer-and-more-flexible-way-to-grow-your-money/) - Unless you've been hiding out in the mountains with no access to the Internet, TV or radio, you are aware of what's been going on with Wall Street. Namely, the stock market has been up and down like a drunken yo-yo. Such volatility is nothing new, but it's definitely not for the faint-of-heart – and
- [Finding Low Rates on Car Loans](https://wwfcu.org/low-rates-on-car-loans/) - Buying a new car is exciting. Searching for an affordable car loan is not. As a member of Wayne Westland Federal Credit Union, you have an advantage when it comes to finding low rates on car loans. WWFCU is a not-for-profit institution. This means that we can "give back" to our members by offering you
- [Mobile Banking Services](https://wwfcu.org/mobile-banking-services/) - You've probably heard by now that Wayne Westland Federal Credit Union offers mobile banking services to its members. You can check account balances, pay bills, review transactions, transfer funds, and perform other account management activities through your mobile phone. You won't pay extra for these essential services, either. Mobile banking through WWFCU is free. (Your
- [The Benefits of Online Banking](https://wwfcu.org/the-benefits-of-online-banking/) - According to the Pew Research Center, 63 million Americans conduct all or some portion of their banking online. In addition, a survey by the American Bankers Association reveals that 62% of American adults polled preferred online banking over other types of banking, such as visiting a branch or using an ATM. If you've enrolled for
- [Discover the Benefits of Online Bill Pay](https://wwfcu.org/discover-the-benefits-of-online-bill-pay/) - The typical household pays 10-15 bills every month. But paying bills is a task that few people truly enjoy. Here's how some folks do it. First, there's the frantic hunt for the bills, which have been stashed away in a drawer or on top of the fridge. Then there's the frenzied search for the checkbook,
- [Members Can Save with Sprint](https://wwfcu.org/members-can-save-with-sprint/) - As you already know, members of Wayne Westland Federal Credit Union enjoy a wide range of benefits and perks. In addition to complete branch and online banking services, WWFCU offers low interest rates on car loans and low service fees. We also offer better rates on savings accounts and certificates, free financial education services, savings
- [Youth Member Promotions at Wayne Westland Federal Credit Union](https://wwfcu.org/youth-member-promotions-at-wayne-westland-federal-credit-union/) - At Wayne Westland Federal Credit Union, we take pride in serving individuals, families, and businesses. Our financial services are tailored to the needs of members, and we try to offer something for everyone. It's never too early to start teaching your children about financial responsibility. People who learn how to save money and handle their
- [We've Branched Out!](https://wwfcu.org/weve-branched-out/) - A huge misconception about credit unions is that you’re limited on where you can do your banking. Sure, many credit unions have only a couple of branches, but that doesn’t stop us from serving members wherever they are. Shared Branching Thanks to something we call shared branching, credit unions share facilities across the country. What
- [Low Car Loan Rates from Wayne Westland Federal Credit Union](https://wwfcu.org/low-car-loan-rates-from-wayne-westland-federal-credit-union/) - Buying a new car is exciting. Searching for an affordable car loan is not. As a member of Wayne Westland Federal Credit Union, however, you have an advantage when it comes to finding low car loan rates. WWFCU (like other Credit Unions) is a not-for-profit institution. This means that we can "give back" to our
- [Celebrating International Credit Union Day](https://wwfcu.org/celebrating-international-credit-union-day/) - ICU Day International Credit Union Day Thursday, October 18, 2012 We salute the Credit Union movement as Credit Unions continually demonstrate their ability to improve the lives of individuals, families, communities and countries around the world. To celebrate International Credit Union day on Thursday October 18, 2012, Wayne Westland Federal Credit Union is taking the
- [Get into 28,000. Free ATMs, Everywhere You Go!](https://wwfcu.org/get-into-28000-free-atms-everywhere-you-go/) - Credit union members have unlimited access to over 28,000 surcharge-free CO-OP® Network ATMs in the U.S. and Canada. Shared Branch Network Shared Branch Network - A Nationwide Extension of Your Credit Union Members are no longer limited to conduct in-branch financial activities. We are part of a worldwide shared-branching network of thousands of credit union locations (hundreds in California), which
- [Take the Rebate!](https://wwfcu.org/take-the-rebate/) - Manufacturers often market vehicles by offering a rebate or exceptionally low financing. Should you take the rebate or the special financing? The dealer does not give you both. For example, you have decided to purchase a vehicle for $20,000. The dealer is going to give you a rebate of $3,000 or a finance rate of
- [How to Budget?](https://wwfcu.org/how-to-budget/) - You can make your own budget worksheet using either a pen and paper or a computer spreadsheet program. Think of your budget in terms of two things: money and time. Money, of course, is divided into its own two categories: Income and Expenses. Follow these steps to make your budget worksheet: List your income in
- [Identity Theft: Protect Yourself from Predators!](https://wwfcu.org/identity-theft-protect-yourself-from-predators/) - Defined as when one person masquerades under the identity of another, identity theft has flourished in recent years with the advent of online, faceless Internet lending and credit transactions. Although it is almost impossible for consumers to completely guard themselves against identity theft, the Federal Trade Commission (FTC) and other consumer agencies suggest the following
- [Tax Tips for Recently Married Tax Payers](https://wwfcu.org/tax-tips-for-recently-married-tax-payers/) - If you've recently updated your status from single to married, you’re not alone; late spring and summertime is a popular period for weddings. Marriage also brings about some changes with your taxes. Here are several tips for newlyweds from the IRS. Notify the Social Security Administration It’s important that your name and Social Security number match on
- [Buying A Used Car](https://wwfcu.org/buying-a-used-car/) - "I can’t wait to get my own car." Sound familiar? Before you start shopping for a used car with a teenager you know, do some homework. It may save you serious money. Consider driving habits, what the car will be used for, and your budget. Research models, options, costs, repair records, safety tests, and mileage
- [Financial Resolutions](https://wwfcu.org/financial-resolutions/) - Follow our financial resolutions for a financially fit lifestyle! Save automatically. Credit unions will automatically deduct a designated amount from your paycheck for deposit in savings. This is an essential step for those who are unlikely to save on their own. Remember, even small amounts add up! Save your raise. If you get a raise,
- [Don’t Make These Mistakes with Your Retirement Savings](https://wwfcu.org/dont-make-these-mistakes-with-your-retirement-savings/) - Make one or two mistakes in handling your retirement money and you could be paying a stiff penalty later in your life. With the stock market on such unsteady legs, it pays to stay clear of these common mistakes: You pay attention to the market losses instead of your long-term needs. Catastrophic events and long-term
- [How to Bring Your Spending Under Control?](https://wwfcu.org/how-to-bring-your-spending-under-control/) - Does money trickle out of your wallet like a lazy river, a babbling brook, or rushing white water rapids? Government figures show that many households with a total income of $50,000 or less are spending more than they bring in thanks to the liberal availability of credit. This doesn't make you an automatic candidate for bankruptcy, but
- [Map Out Your Finances](https://wwfcu.org/map-out-your-finances/) - The details of our financial lives can be tricky, and without a clear road map it’s easy to feel lost. Changes in tax laws and the family structure offer potential complications in how we handle our money, so heed these tips as you make financial plans for the future. Invest. If you have extra money
- [How to Protect Yourself from Credit Card Fraud](https://wwfcu.org/how-to-protect-yourself-from-credit-card-fraud/) - Here are a few tips on how to avoid becoming the victim of credit card fraud: Periodically review your credit reports. There are three main credit bureaus. Order your credit report from each of them at least once a year. Request copies of your credit report from TransUnion, Experian, and Equifax. You can also obtain
- [Double Your Refund with Turbo Tax](https://wwfcu.org/double-your-refund-with-turbo-tax/) - You don't have to break the bank by visiting a tax professional. Try TurboTax now to get your taxes done right - and to enter the TurboTax Double My Refund Sweepstakes. You'll get a chance to win one of: Three Grand Prizes up to $5,000 or twice your refund amount Ten $500 First Prizes Don't
- [How to Budget](https://wwfcu.org/how-to-budget-2/) - You can make your own budget worksheet using either a pen and paper or a computer spreadsheet program. Think of your budget in terms of two things: money and time. Money, of course, is divided into its own two categories: Income and Expenses. Follow these steps to make your budget worksheet: List your income in
- [Top 10 Ways to Prepare for Retirement](https://wwfcu.org/top-10-ways-to-prepare-for-retirement/) - 1. Start saving, keep saving, and stick to your goals If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you're not saving, it's time to get started. Start small if you have to and try to increase the amount you save each
- [Saving Money on Car Insurance](https://wwfcu.org/saving-money-on-car-insurance/) - Here are a few ways to save money on car insurance: Shop around. Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major
- [Saving Money on Homeowner’s Insurance](https://wwfcu.org/saving-money-on-homeowners-insurance/) - Here are some ways to save money on your homeowner’s insurance. Shop around. Prices vary from company to company, so it pays to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major
- [Lions, Tigers, Bears, and Lenders?](https://wwfcu.org/lions-tigers-bears-and-lenders/) - Let’s play a game. I’ll give you a word and you tell me what comes to mind. Ready? “Predator.” Did you think of a prehistoric animal with claws and stabbing teeth? Or, a stealthy cheetah prowling for gazelle in the grassy plains of the Serengeti? Perhaps a portly Siamese cat stalking a house sparrow? How
- [Know Your Obligations when Cosigning a Loan](https://wwfcu.org/know-your-obligations-when-cosigning-a-loan/) - Often, parents cosign for their sons or daughters who have adequate income but a lack of credit or employment history. By cosigning, parents help their offspring get the loan and establish credit in their own names. But many borrowers, be they the cosigner or the primary borrower (also known as the maker), don't recognize the
- [Credit Cards](https://wwfcu.org/credit-cards/) - Here are some ways to responsibly choose and use a credit card. Read the fine print. If you receive an offer for a pre-approved credit card or if someone says they'll help you get a credit card, find out the details first. You need to know what interest rate you will be paying and for
- [Credit Report Errors — Fix Them before They Fix You](https://wwfcu.org/credit-report-errors-fix-them-before-they-fix-you/) - So you've located an error on your credit report that’s costing you a few precious points on your credit score. It could be that the credit reporting agency confused you with a Jane Doe of the same name or a creditor failed to record a settled account. Regardless of how it got there, there’s a mistake that
- [Think Cash First](https://wwfcu.org/think-cash-first/) - It seems like it's become a national craze - using your credit card for everything—even routine or daily purchases. While it's a bad habit that will be hard to break, it's better to start sooner rather than later. To break that habit, here’s a simple idea to help get a handle on the situation: Pay
- [Building a Rainy-day Fund](https://wwfcu.org/building-a-rainy-day-fund/) - Financial prudence dictates that we stash away enough cash to cover living expenses for three to six months in case something catastrophic comes our way—a job loss, an unexpected illness or an unpredicted home expense. Some items that also should be covered in such a fund include health and car insurance deductibles, rent or mortgage,
- [Considering a CD](https://wwfcu.org/considering-a-cd/) - Shopping at your credit union for a CD (certificate of deposit) isn't quite as easy as going to the local music store for a CD (compact disc). But it’s a lot easier to choose than some other types of investments. By definition, a CD or certificate of deposit is a time deposit. That means you
- [Coupons are a great way to save money — if you use them correctly.](https://wwfcu.org/coupons-are-a-great-way-to-save-money-if-you-use-them-correctly/) - Coupons are a great way to save money — if you use them correctly. The first obstacle to overcome is forgetting to use them. Keep them in a handy spot, like in your wallet. If you have dry-cleaning coupons, pin them to the dirty-laundry bag. If you have one for a restaurant, tack it onto
- [Taxes -- What to Stash and What to Trash](https://wwfcu.org/taxes-what-to-stash-and-what-to-trash/) - What records and documents should you keep in case the IRS ever decides to audit you—and for how long should you keep them? Here’s some advice to consider: The standard statute of limitations is three years, but the IRS can audit up to six years after a filing if it suspects under-reporting of income by
- [Going Away? Tips to Not Go Broke](https://wwfcu.org/going-away-tips-to-not-go-broke/) - With summer vacation just around the corner just keep in mind - you don’t have to spend a lot of money to have a good time. Here are tips for keeping costs down on vacation: Fly during the week. Airline rates are generally more expensive over the weekend, so plan your trip from Wednesday to
- [How to Avoid Fraud](https://wwfcu.org/how-to-avoid-fraud/) - Consumer fraud seems to be everywhere these days, coming in a variety of forms: fake check scams, credit repair, free trip offers and sweepstakes. Here are some tips to help you avoid being a victim of consumer fraud: Don’t give out personal information. If someone you don’t know asks for your Social Security number, birthdate,
- [Go Green with Your Bills](https://wwfcu.org/go-green-with-your-bills/) - Going green when paying your bills not only helps the environment, it can also greatly simplify your life. According to the Federal Reserve, nearly 50% of the checks written in the U.S. are written by consumers to businesses. American businesses mail about 26 billion bills and statements per year, and consumers mail 9 billion payments
- [Are Rebates Worth it?](https://wwfcu.org/are-rebates-worth-it/) - Has this ever happened to you? You go to the store to buy something — like a printer — and you find just the one you want. But right next to it is a printer that’s around the same price but has a rebate that knocks $50 off of it. You buy it, promising yourself
- [Money Don'ts](https://wwfcu.org/the-money-donts/) - Sometimes the difference between being eternally broke and financially comfortable is just a few simple things you shouldn't do. Avoid these basic money mistakes: Not tracking your spending – Pay attention to where your money goes. Your credit card statement will help you do this, but don’t forget all the incidentals you pay cash for.
- [Can You Afford to Retire?](https://wwfcu.org/can-you-afford-to-retire/) - Have you ever sat down and figured out how much you'd need for a comfortable retirement? If not, don't worry - you're not alone! According to the U.S. Department of Labor (USDOL), fewer than half of all Americans have calculated how much they will need to save for retirement. While it’s important to plan, it’s also
- [About Credit Scores](https://wwfcu.org/about-credit-scores/) - You know a credit score is important when you apply for a loan or credit card - but do you know exactly what it is and how it can affect your chances in getting the financing you want? Creditors use a credit scoring system to help determine whether to give you credit, and how much
- [Five Ways to Spot a Fake IRS Email](https://wwfcu.org/five-ways-to-spot-a-fake-irs-email/) - Be on the lookout for email scams circulating that fraudulently use the Internal Revenue Service name or logo as a lure - all to trick you into giving up personal and financial information. The scammers can then use your information (such as your Social Security number, bank account or credit card numbers) to commit identity theft and steal your money.
- [What to Know about Home Office Deductions](https://wwfcu.org/what-to-know-about-home-office-deductions/) - With technology making it easier than ever for people to operate a business out of their house, many taxpayers may be able to take a home office deduction when filing their 2013 federal tax return next year.
- [How much is enough homeowner's insurance?](https://wwfcu.org/how-much-is-enough-homeowners-insurance/) - How much is enough homeowner's insurance? We've got some useful tips to help you figure it out. You need enough insurance to cover the following: The structure of your home Your personal possessions The cost of additional living expenses if your home is damaged and you have to live elsewhere during repairs Your liability to others...
- [Millionaire Secrets to Success](https://wwfcu.org/millionaire-secrets-to-success/) - Patience and hard work aren't all you need to reach financial success. We've got some secrets from self-made millionaires to help you make your own fortune: Set some clear goals. You’ve got to dream big if you want to succeed on a large scale. Don’t be afraid of your ambitions.
- [Why Your Hobby May Be Taxed](https://wwfcu.org/why-your-hobby-may-be-taxed/) - Hobbies, such as woodworking, stamp collecting and scrapbooking, are often done for pleasure but can result in a profit. But if you're lucky enough to make money from your hobby, it may have tax implications. You must report income to the IRS from almost all sources, including hobbies.
- [New Financial Habits in the Post-Recession Age](https://wwfcu.org/new-financial-habits-in-the-post-recession-age/) - If you're like many, you've spent the past few years scrimping and saving. These are great habits to keep, even if your financial situation has improved. If you still haven’t taken those steps, you might want to think about making these changes: Restart your finances with a thorough financial plan. If you’ve lost a job or have been struggling to get control of your debt, savings or investments, plan a visit now with a Certified Financial Planner™ professional. At the meeting you can also examine spending patterns and the emotional drivers behind many of your financial decisions. If you don’t have a planner in mind, the Financial Planning Association has a website where you can search by location and specific planning issues.
- [Tips for Shopping for a Vehicle for Your Teen](https://wwfcu.org/tips-for-shopping-for-a-vehicle-for-your-teen/) - According to the National Highway Traffic Safety Administration (NHTSA), auto accidents are still the leading cause of death for American teenagers. However, due to safer vehicles graduated license laws, the numbers have decreased 65% from 8,748 teen deaths in 1975 to 3,023 in 2011. Regardless of statistics and new vehicle safety precautions, automakers still haven’t come up with a vehicle that can drive itself when the weather gets bad, when a tire blows out or when another driver becomes distracted and wanders into your lane. Seasoned drivers rely on their experience and split-second-decision-making abilities to negotiate these perilous moments. Teens don't have that experience.
- [Preparing Your Car for Winter](https://wwfcu.org/preparing-your-car-for-winter/) - Winter conditions present the greatest challenge to your vehicle’s operating efficiency thus prepare for winter by performing a complete vehicle checkup in the fall.
- [Spend Less This Holiday Season](https://wwfcu.org/spend-less-this-holiday-season/) - It's easy to forget about your budget when shopping for holiday gifts thus you must start by creating a written details on what to shop and stick to your spending limits.
- [How to Establish Credit](https://wwfcu.org/how-to-establish-credit/) - To be able to establish credit, you need a steady work record and continued residence at the same address.
- [Know Your Obligations when Cosigning a Loan](https://wwfcu.org/know-your-obligations-when-cosigning-a-loan-2/) - By means of cosigning, parents help their offspring get the loan and establish credit in their own names.
- [Taxes--What to Stash and What to Trash](https://wwfcu.org/taxes-what-to-stash-and-what-to-trash-2/) - In case the IRS ever decides to audit you, you must be ready with all the necessary documents such as W-2 forms, receipts for charitable donations, and other deductible expenses for at least six years.
- [6 Tips for Deducting Donations](https://wwfcu.org/6-tips-for-deducting-donations/) - If you've donated to a charity this year, the IRS wants you to know about few things - tax-exempt status, itemizing, fair market value, timing and many more.
- [The ABCs of Auto Insurance](https://wwfcu.org/the-abcs-of-auto-insurance/) - Auto insurance protects you against financial loss if you have an accident and is a contract between you and your insurance company.
- [Turn Retirement Dreams into Reality](https://wwfcu.org/turn-retirement-dreams-into-reality/) - Have dreams about retiring early? We have some tips on how to make that dream a reality. According to the Michigan Association of CPAs, retiring early takes meticulous planning and more than a tidy sum of money, but for the truly committed, early retirement is possible. Here is what you need to do if you
- [Planning an Affordable Family Vacation](https://wwfcu.org/planning-an-affordable-family-vacation/) - Travel expenses can take a big bite out of your budget, but the Michigan Association of CPAs advises that there are many ways to make your vacation dollar go further. Search for Deals Don’t miss out on the many online opportunities to find great bargains. You can use online travel sites to search for the
- [Edison’s Tips to Thinking Creatively](https://wwfcu.org/edisons-tips-to-thinking-creatively/) - Creativity isn’t just a talent; it’s a habit you can - and should - cultivate and grow. Learn how to develop your creative muscles from the genius of invention, Thomas Edison: 1. Question all assumptions. Don’t accept the conventional wisdom without first examining and challenging it. It’s said that Edison, when hiring a new employee,
- [Avoid ID Theft When Job Searching](https://wwfcu.org/avoid-id-theft-when-job-searching/) - Looking for a job? You should also be looking out for identity thieves. You want to be thorough on your résumé when you’re looking for a job. But here are a few things you should NOT include on your resume, according to the Identity Theft Resource Center. You can provide any of these things to
- [Save Money on Credit Cards](https://wwfcu.org/save-money-on-credit-cards/) - You can save as much as a thousand dollars or more each year in lower credit card interest charges by paying off your entire bill each month or by using a check, cash or debit card for purchases. If you are unable to pay off a large balance, pay as much as you can and
- [Smart Tips For Starting A New Business](https://wwfcu.org/smart-tips-for-starting-a-new-business/) - The many details involved in getting a new business off the ground could scare off even the most committed and motivated entrepreneurs. If you’re thinking about starting a new business, the Michigan Association of CPAs provides the following list to help you begin the process. Stick to what you know and love. Successful businesses don't
- [Picking Up Your New Car](https://wwfcu.org/picking-up-your-new-car/) - Don't get caught up in the excitement of picking up your new car that you forget to pay attention to the detail. Spot Deliveries When it comes to delivery of your car, the very first thing you need to be aware of, and know how to deal with, is the "Spot Delivery." A spot delivery
- [First Impressions Count with a Used Car](https://wwfcu.org/first-impressions-count-with-a-used-car/) - Just as with selling a house, first impressions count when selling your car. It can even make or break a deal. If you’re planning to sell your car, help it make a good first impression on potential buyers. Here’s how: Clean it up. Going to the car wash may not be enough. Make sure the
- [Auto Loan Financing](https://wwfcu.org/auto-loan-financing/) - The decision to buy a new car will probably be one of the most important financial milestones in your life. In addition to the investment of money, you will spend a great deal of time looking for the right vehicle that caters to your needs. Similarly, you also need to spend time when looking for
- [Tips on Getting a Used Auto Loan with Bad Credit](https://wwfcu.org/tips-on-getting-a-used-auto-loan-with-bad-credit/) - More and more people are coming to realize the benefits of buying a used car. If you’ve decided the same, you have definitely made a smart decision. The fact of the matter is you can purchase a car that is almost as good as a brand-new one and save up to 50% off the original
- [Nine Tips for Protecting the Identity of Your Child at Back-to-School Time](https://wwfcu.org/nine-tips-for-protecting-the-identity-of-your-child-at-back-to-school-time/) - As you’ve prepared to send your child back to school this fall, you’ve likely been hit with a mountain of paperwork for class enrollment, youth sports, and other after-school activities. But as you share your child’s personal information with teachers and administrators, carefully consider how and why the information will be used in order to
- [10 Ways to Save Money on Auto Insurance](https://wwfcu.org/10-ways-to-save-money-on-auto-insurance/) - How to Lower Your Auto Insurance Rates without Sacrificing Coverage or Service in the Process Let's face it. We all like to save money, especially when it comes to auto insurance. But does lowering your insurance premiums mean less-than-adequate coverage or working with a provider whose customer service leaves a lot to be desired? Not at
- [Retirement Savings: No Excuses](https://wwfcu.org/retirement-savings-no-excuses/) - The list of excuses for why it's impossible to save for retirement is endless. Some people may be just getting started in their careers, making small starting salaries. Others may be stay-at-home parents with no earned income. Everyone is juggling a plethora of different financial goals, of which retirement is just one. And those who
- [Identity Theft & Credit Card Fraud – How to Protect Yourself](https://wwfcu.org/identity-theft-credit-card-fraud-how-to-protect-yourself/) - Identity theft occurs when someone obtains your personal information, such as your credit card data or Social Security number, to commit fraud or other crimes. The Federal Trade Commission estimates that 9 million Americans suffer identity theft annually. It sounds like a big number, but it isn’t. For one, the hysteria has been stoked by much-publicized data
- [Buy a New Car or a Used Car?](https://wwfcu.org/buy-a-new-car-or-a-used-car/) - There's nothing like that new-car smell. Buying a new car has a lot of allure: It's brand new and it's all yours; nobody has abused it. You can get the vehicle equipped just the way you want, and you get the full factory warranty. But hold on. Your best deal could well be a late-model
- [How to Save Money on Auto Insurance](https://wwfcu.org/how-to-save-money-on-auto-insurance/) - We all need car insurance these days and what is more everybody loves saving money. So if we speak about an insurance you should understand that there are tons of opportunities to save money on auto insurance, you should only read the following tips and follow them. Steps 1 Compare: Feel free to visit as many
- [Ultimate Guide to Retirement](https://wwfcu.org/ultimate-guide-to-retirement/) - How much should I save? "As much as you can" is the standard advice. Many financial planners recommend that you save 10% to 15% of your income for retirement, starting in your 20s. But that's just a general guideline. This is your retirement we're talking about, so it pays to get a little more specific
- [Identity theft](https://wwfcu.org/identity-theft/) - How to Protect Yourself Now There’s a lot of advice about how to deal with identity theft around these days - some helpful, some unrealistic, and some a little ridiculous. We’ve done the research for you and present the following easy-to-do, indispensable steps. These items should be considered MUST-DOs if you’re serious about minimizing the
- [Benefits of Buying a Used Car](https://wwfcu.org/benefits-of-buying-a-used-car/) - There are many good reasons to buy a used car, including ample selection and the improving reliability of older cars, but the big draw for used-car buyers? Affordability. Price Buying a new car is definitely more expensive than buying a used one. Unless you decide to lease, your initial costs on a new car will
- [4 Questions to Help You Decide on a New or Used Car](https://wwfcu.org/4-questions-to-help-you-decide-on-a-new-or-used-car/) - The reasons to buy new or used aren't the same for everyone Depreciation is the single largest expense of car ownership Maintaining a used car requires more time and money Once you've finally decided to replace your current car, the next question to ask yourself is: Should I buy new or used? That depends. Unfortunately
- [7 Best Ways to Save Money on Car Insurance](https://wwfcu.org/7-best-ways-to-save-money-on-car-insurance/) - Boost your Deductible Generally, when someone decides on a deductible amount for his or her car insurance, he or she sticks with it. But increasing the amount you pay for fender benders is the best place to look when trying to lower your annual out-of-pocket expenses, according to the Insurance Information Institute. Admittedly, it's a gamble. A car wreck will
- [7 Ways to Protect Yourself from ID Theft](https://wwfcu.org/7-ways-to-protect-yourself-from-id-theft/) - ID theft: It's still a Problem Identity theft is everywhere. Turn on your TV, and you'll see "special reports" on how to prevent it. Turn on the radio, and hear ads for services pledging to protect you from it. Search for it on Google, and you get 140 million results. In fact, according to a
- [Ultimate Guide to Retirement II](https://wwfcu.org/ultimate-guide-to-retirement-ii/) - Where should I save my retirement money? Tax-favored retirement accounts such as individual retirement accounts (IRAs) and 401(k)s are the best places to save for your retirement. The different types of plans have different features, but most of them allow you to defer taxes on the money you save and the returns you earn within the account. "Tax deferral"
- [Save for Retirement and Still Pay Your Kids’ College Costs](https://wwfcu.org/save-for-retirement-and-still-pay-your-kids-college-costs/) - BY IVORY JOHNSON, CNBC You can borrow money for a college education but not for your retirement. It's what we, as financial experts, truly believe. But a constant tug-of-war between 401(k) plans and Section 529 college savings plans has ensued in investors' hearts and minds—and neither side appears to be winning. Identifying priorities is no easy task. Just
- [Insurance Basics: How to Save on Insurance](https://wwfcu.org/insurance-basics-how-to-save-on-insurance/) - All insurance works pretty much the same way: You pay a premium (a set amount of money) to the insurance company, usually on some sort of schedule (monthly or yearly, for instance. In return, the company issues an insurance policy to you, which is a contract that gives you certain coverage, or financial protection. When
- [Tips for Preventing Identity Theft](https://wwfcu.org/tips-for-preventing-identity-theft/) - Identity thieves steal your personal information to commit fraud. They can damage your credit status and cost you time and money restoring your good name. To reduce your risk of becoming a victim, follow the tips below: Don't carry your Social Security card in your wallet or write it on your checks. Only give out
- [Buying a Car - Should you buy new or used?](https://wwfcu.org/buying-a-car-should-you-buy-new-or-used/) - Buying a car can be expensive, so it’s important you get it right. One of the biggest decisions you need to make is whether to buy a new or used car. New cars are more expensive but are generally more reliable, whereas used cars are cheaper but might cost more to run. Should you buy
- [7 Ways to Retire with $1 Million](https://wwfcu.org/7-ways-to-retire-with-1-million/) - Many workers will be able to accumulate $1 million over the course of their career if they save consistently beginning at a young age, invest prudently, and avoid withdrawing money early. It helps, of course, to sidestep fees, taxes, and penalties along the way whenever possible. Here's what it takes to become a millionaire
- [6 Ways To Save On Insurance](https://wwfcu.org/6-ways-to-save-on-insurance/) - Insurance allows consumers and businesses the ability to protect themselves and their possessions from the risk of loss. For a seemingly low annual payment, an insurance company will issue a policy on nearly any type of asset or item (or individual in the case of health insurance) and pool that risk of loss along
- [Dealing with Identity Theft](https://wwfcu.org/dealing-with-identity-theft/) - If you receive a collection notice concerning an account that is unfamiliar to you, you should not ignore it. Someone may have stolen your identity and used it to fraudulently obtain credit in your name. This happened to me in 1998. The scheme generally works as follows. Someone, likely part of a ring, gets ahold
- [Car Shopping: New Or Used?](https://wwfcu.org/car-shopping-new-or-used/) - It happens to everyone. The old clunker gasps its last smokey gasp at the side of the road, and you're left to face a sickening reality - you need some new wheels. The ads on television all scream in your ear, "New Car! New Car! New Car!" A shiny, clean new car does sound appealing,
- [Tips for Getting the Best Rates on Secured Loans](https://wwfcu.org/tips-for-getting-the-best-rates-on-secured-loans/) - If you are planning on applying for secured loans in the future, no doubt you will want to be sure that you can find the best rates possible. The rates that you get on your loan are very important and getting lower rates can save you a great deal of money over the life of
- [5 Mobile Banking Security Tips](https://wwfcu.org/5-mobile-banking-security-tips/) - Start the Countdown It wasn't that long ago that an account deposit or withdrawal required a visit to your bank to complete the transaction. Banking was inconvenient and time consuming. Today, we have lots of options when it comes to financial transactions. Mobile banking is an increasingly popular way to monitor and manage your money. But
- [How to Save Money Using Online Bill Pay](https://wwfcu.org/how-to-save-money-using-online-bill-pay/) - Many people use online banking to check their account balances or to transfer funds between accounts. But if you’re not using your online bank account to consolidate and pay your bills, you’re missing out on the best part! How Does Online Bill Pay Work? How online bill pay works is pretty simple: You enter a
- [Should You Get a Personal Loan? Tips to Find a Cheap Unsecured Loan](https://wwfcu.org/should-you-get-a-personal-loan-tips-to-find-a-cheap-unsecured-loan/) - If you need money to meet basic expenses, fund your wedding or take a vacation, you’ve probably considered getting a personal loan – a loan where you don’t put up any collateral, such as your house or your car, that the lender can repossess if you default. Because the lender has no guarantee for the
- [Five Tips for Keeping Your Checking Account Safe](https://wwfcu.org/five-tips-for-keeping-your-checking-account-safe/) - We live in an express-line society: we want money, goods, and services to be quickly and easily accessible. Conveniences like debit cards and online accounts can seem like the lifelines which make this all possible, but they can also come at a price. You need to protect yourself--and your checking account--by knowing some of
- [Protecting Your Home From Foreclosure](https://wwfcu.org/protecting-your-home-from-foreclosure/) - Don't ignore your mortgage problem. If you are unable to pay--or haven't paid--your mortgage, contact your lender or the company that collects your mortgage payment as soon as possible. Mortgage lenders want to work with you to resolve the problem, and you may have more options if you contact them early. Call the phone number
- [Home Equity Loans](https://wwfcu.org/home-equity-loans/) - Home equity loans allow you to borrow against the value of your home. These loans appeal to borrowers who find that they can borrow relatively large amounts of money, and they’re easier to qualify for than other types of loans (because they are secured by your house). If your home is worth more than you
- [Guide to Your 401(k)](https://wwfcu.org/guide-to-your-401k/) - 1. A 401(k) offers three compelling benefits. A 401(k) represents a way to reduce your taxable income since contributions come out of your pay before taxes are withheld; many plans include a matching contribution from your employer; and the money you save benefits from tax-deferred growth, which lets your money compound more quickly than it
- [What is a Certificate of Deposit (CD)?](https://wwfcu.org/what-is-a-certificate-of-deposit-cd/) - Sold by banks, certificates of deposit (better known as CDs) are low-risk –- and relatively low-return — investments suitable for cash you don’t need for months or years. If you leave the money alone during the investment period (known as the “term” or “duration”), the bank will pay you an interest rate slightly higher than
- [How to Consolidate Your Debt](https://wwfcu.org/how-to-consolidate-your-debt/) - Are you trying to figure out how to consolidate your debt? 1. Check your credit reports and get your credit score. You can get your credit reports from each of the three major credit reporting agencies for free once a year at AnnualCreditReport.com. It’s a good idea to review them so you don’t end
- [5 Tips to Inspire Employees to Use Direct Deposit](https://wwfcu.org/5-tips-to-inspire-employees-to-use-direct-deposit/) - Some employees simply do not like to have their paychecks directly deposited into their checking accounts. The idea of having a tangible check in their hands after they have earned it provides a certain amount of security and peace of mind. Furthermore, there may be concern regarding their employer having secure information and access to
- [7 Quick IRA Tips for Entrepreneurs](https://wwfcu.org/7-quick-ira-tips-for-entrepreneurs/) - Entrepreneurs and small business owners always seem to have 10 things to do before the day is through. You never know what might come up, and sometimes not every planned task gets done on time. In the midst of this fast-paced lifestyle, retirement might not be the first thing on your mind. It's easy to put
- [How Do Money Market Accounts Work?](https://wwfcu.org/how-do-money-market-accounts-work/) - A money market account is a type of savings account offered by banks and credit unions just like regular savings accounts. The difference is that they usually pay higher interest, have higher minimum balance requirements (sometimes $1000-$­2500), and only allow three to six withdrawals per month. Another difference is that, similar to a checking account, many
- [How to Balance a Checkbook](https://wwfcu.org/how-to-balance-a-checkbook/) - Balancing your checkbook is one of those crucial life skills. It will give you a clear sense of not only how much money is in your bank account, but where your money goes. It can also help prevent you from bouncing checks, stick to your budget, help you avoid fees, and detect errors from your
- [What Do I Need for a Signature Loan?](https://wwfcu.org/what-do-i-need-for-a-signature-loan/) - Signature loans take less time for a bank to process than other types of loans because the lack of collateral means that the loan underwriter bases the decision to approve or decline the loan purely on your own financial situation. Not all banks offer signature loans, and bankers may direct customers to apply for credit
- [What Is a Share Pledge Loan?](https://wwfcu.org/what-is-a-share-pledge-loan/) - A share pledge loan is a type of personal loan available only from a credit union. For an individual with a credit union banking relationship, this type of loan can be a low-cost way to borrow some money. Different credit unions will apply different terms to share pledge loans. Credit Union Accounts Credit unions use
- [When (And When Not) To Refinance Your Mortgage](https://wwfcu.org/when-and-when-not-to-refinance-your-mortgage/) - Refinancing a mortgage means paying off an existing loan and replacing it with a new one. There are many common reasons why homeowners refinance: The opportunity to obtain a lower interest rate; the chance to shorten the term of their mortgage; the desire to convert from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage, or
- [Home Banking - Banking Services From Our Home](https://wwfcu.org/home-banking-banking-services-from-our-home/) - Home banking refers to a facility in which you can have a virtual banking branch where you can supervise and be in control of your funds. You can enjoy this service round the clock, on every day of week absolutely free. The major advantage of this is that you do not have to even move
- [Tips on Homeowners Insurance](https://wwfcu.org/tips-on-homeowners-insurance/) - 1. You're a statistic. To an insurer, you're not a person; you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including your occupation, who you are, what you own, and how you live. 2. Know your home's value. Before you choose a
- [4 Core Life Insurance Tips](https://wwfcu.org/4-core-life-insurance-tips/) - Buying life insurance for the first time can be overwhelming. You’ll run into a lot of terms that you may not understand at first. The good news is those terms are not very difficult to figure out once you do a little research. These tips are designed to help you create an organized approach toward
- [Beginner’s Guide to Managing your Money](https://wwfcu.org/beginners-guide-to-managing-your-money/) - Setting up a budget If you want to get on top of your finances, a budget is a really good way to start. It’s just a record of money you have coming in (from things like your salary or wages, pensions or benefits) andpayments that you make (such as your rent or mortgage, insurance and Council
- [20 Tips for a Successful Business-Loan Application](https://wwfcu.org/20-tips-for-a-successful-business-loan-application/) - When you apply for a business loan the lender will almost always present you with a loan application form to fill out. But there are numerous other factors that will determine whether you are successful, so make sure you pay attention to the following tips. Believe it or not it’s also a great way to
- [5 Tips to Get the Best Deal on a Car Loan](https://wwfcu.org/5-tips-to-get-the-best-deal-on-a-car-loan/) - More Americans are struggling to make their car payments on time. The numbers, while still low, are definitely on the rise. According to the latest State of the Automotive Finance Market report from Experian Automotive: 60-day loan delinquencies in the second quarter of 2014 increased by 7 percent (from 0.58 to 0.62 percent) from the
- [7 Simple Ways to Improve your Credit Score](https://wwfcu.org/7-simple-ways-to-improve-your-credit-score/) - Need to boost your credit score? Unfortunately, a credit score isn't like a race car, where you can rev the engine and almost instantly feel the result. Credit scores are more like your driving record: They take into account years of past behavior, not just your present actions. In addition to making the right moves,
- [6 Tips for Financial Planning in your 40s](https://wwfcu.org/6-tips-for-financial-planning-in-your-40s/) - If you're in your 40s, you could be considered either a late baby boomer or a member of Generation X. Either way, you're at a time in your life when you're putting youth aside and should be doing some financial planning for your future and your family's future. A dilemma faced by people in their
- [Useful Tips on Auto Loan Refinance](https://wwfcu.org/useful-tips-on-auto-loan-refinance/) - Buying a car is unquestionably a unique experience. We are empowered with an apparently unlimited number of choices, including manual or automatic transmission, global positioning systems or anti-lock breaking systems, and the ever-important cup-holder option. Often we also need to take out a loan when purchasing a new ride. Although we probably have the best
- [Creating and Maintaining Good Personal Financial Habits](https://wwfcu.org/creating-and-maintaining-good-personal-financial-habits/) - If you have ever applied for a loan or mortgage, you know one of the first things the lender looks at is your credit score. Although, it is important to maintain a high credit score, it is just as important to have good credit habits. Good credit habits not only include your payment history, but
- [Which Is Better For Retirement? A Tax Deferred Retirement Plan, Roth IRA, or Life Insurance?](https://wwfcu.org/which-is-better-for-retirement-a-tax-deferred-retirement-plan-roth-ira-or-life-insurance/) - When it comes to retirement planning our clients have a number of different choices. Typically, they must decide between a tax deferred retirement plan or a Roth retirement plan. A tax deferred plan offers a tax deduction for contributions and then the money grows tax deferred. A Roth has no tax deduction on contributions but
- [Why Join the Credit Union? Better Benefits are Hard to Find!](https://wwfcu.org/why-join-the-credit-union-better-benefits-are-hard-to-find/) - What is a credit union? A credit union is a not-for-profit, cooperative financial institution that is owned and controlled by its members. Credit unions serve people that share something in common such as an employer or place of worship. Credit unions allow members to pool their savings, lend to one another, and have a voice
- [Protect your cards with real-time control with CardNav by Co-Op.](https://wwfcu.org/protect-your-cards-with-real-time-control-with-cardnav-by-co-op/) - Turn your Debit or Credit card on or off. Set a location boundary where card can only be used. Use the card for online purchases and then turn it off after orders are placed. Restrict your card to work only with certain types of merchants. Set spending limits. Get instant alerts each time your card
- [Holiday Loan Special](https://wwfcu.org/holiday-loan-special/) - 5.95% APR* for 12 Months Up to $2500! The holidays are right around the corner, and whether you are looking to finance a family trip or a gift for someone special, we created a great loan rate just for you this holiday season. APPLY NOW FOR YOUR LOAN ~ Offer Ends December 24 *APR =
- [Credit Unions Step Up to the Plate!](https://wwfcu.org/credit-unions-step-up-to-the-plate/) - While Banks and Savings and Loan institutions nationwide have been busy lining up to the public trough for bailout funds, another institution has been busy writing home mortgages, your neighborhood credit union! Surprised? Don't be, since credit unions have been writing home mortgages for years- they just have a different business model than the big
- [Investing - New Year Financial Tune Up](https://wwfcu.org/investing-new-year-financial-tune-up/) - While you're making your New Years' resolutions, don't forget to give your financial house an annual tune-up. As the old saying goes, an ounce of prevention is worth a pound of cure, and few adjustments now could save you thousands of dollars, not to mention some major headaches, in the months and years to come.
- [Credit Union Auto Loans - 7 Keys to a First Time Buyer's Approval](https://wwfcu.org/credit-union-auto-loans-7-keys-to-a-first-time-buyers-approval/) - Credit union auto loans are great for first time buyers in need of money for an upcoming vehicle purchase. In fact, credit unions are usually the best source, because they will typically offer rates and terms to first time buyers that can't be found with other auto lenders. Unfortunately, not all first time buyers will
- [Credit Unions Strive to Offer the Best Value for Your Banking Dollar](https://wwfcu.org/credit-unions-strive-to-offer-the-best-value-for-your-banking-dollar/) - Below is an recent article from Time that asserts just how valuable credit unions are to its members. We continue to offer both superior and more affordable products than the alternative. Credit unions have been providing superior, reasonably priced products and services to their members for going on 100 years in the U.S., so I
- [Youth Money Management Skills](https://wwfcu.org/youth-money-management-skills/) - This summer teach kids some practical life lessons including basic money management skills. Some kids might already have a savings account with a credit union to encourage good money management for kids and see for them to see their savings grow. Most teens will at some stage be offered opportunities to take on debt, perhaps through credit
- [Choosing a Retirement Account](https://wwfcu.org/choosing-a-retirement-account/) - We all know we need to save for retirement, no matter how many years away from retirement we are. But understanding the choices and choosing the right account can seem daunting. What is available and what is best for you? Matching received contributions from your employer, increasing your retirement savings, there are several ways to categorize the universe
- [Seller Disclosure Report Can Be Red Flag](https://wwfcu.org/seller-disclosure-report-can-be-red-flag/) - Buying a home can be compared to falling in love. First start dating and you overlook some critical flaws. Some that flaws that could slowly crack away at your relationship in the future, causing heartbreak and be quite costly. Pay a lot of attention to all details of the Seller Disclosure Report, be careful not to overlook some major red flags during the process,
- [Get Extra Value - Earning a College Degree](https://wwfcu.org/get-extra-value-earning-a-college-degree/) - Many people view the goal of a college education as getting a degree with some effort. Treating college with that perspective misses out on additional value that college can provide. Students should look for any opportunity to build things related to your area of study that can earn income now and incorporate those things into your studies
- [Ways Businesses Can Save on Credit Card Processing Fees](https://wwfcu.org/ways-businesses-can-save-on-credit-card-processing-fees/) - Small Business could miss out in sales in case they decide not to accept payment using credit cards. In 2014, 35% of consumers preferred credit cards over any other type of payment. Some small business build the cost of accepting credit card in the final price of goods. Instead, there are ways businesses can save
- [Unique Mortgages for Every Situation](https://wwfcu.org/unique-mortgages-for-every-situation/) - Our partner, Mortgage Center, offers a variety of mortgage options that other lenders cannot. These Credit Union Exclusive Programs have been designed to bridge the gap in conventional loans, so that you can find the loan program that is best for you. Here are just a few of the exclusive programs available to you: Condominium
- [How to Choose the Right Budgeting and Accounting Solution](https://wwfcu.org/how-to-choose-the-right-budgeting-and-accounting-solution/) - Keeping your personal budget and accounting organized is necessary to ensure any kind of financial security. Managing such accounts and budgets down to the individual transaction is, at best, a tedious task if handled the traditional pen-and-paper way. Fortunately, help is available. The option you choose will depend on whether you’re an excel monkey —
- [Who Can You Trust With Your Assets When You’re Gone?](https://wwfcu.org/who-can-you-trust-with-your-assets-when-youre-gone/) - A will isn’t the only way to transfer your assets upon your death. Trusts are a useful tool that can be used to achieve a maximum amount of control over how your assets will be distributed among your loved ones and other beneficiaries. Trusts may also reduce the amounts spent on probate court and estate
- [Words of Warning about “Playing the Market”](https://wwfcu.org/words-of-warning-about-playing-the-market/) - Everyone has heard a story at one time or another of someone’s friend of their cousin’s roommate who “played the market” and hit it big. There are countless books written by successful traders who give general advice on how people can replicate the same success that they have achieved. Every day there’s news about movement
- [Should You Be Using a Digital Wallet?](https://wwfcu.org/should-you-be-using-a-digital-wallet/) - If you bought a smartphone in the last year or two, you may have noticed that it touted digital wallet technology. If so, you probably wondered why you would switch from whatever system is working for you now. Digital wallets are catching on more slowly than expected, but you can expect to see and hear
- [Introducing Your Kids to Credit and Debt](https://wwfcu.org/introducing-your-kids-to-credit-and-debt/) - The concept of credit is enormously broad, as well as enormously important. It’s only natural that the idea of introducing it to your kids is accompanied by apprehension. After all, their credit and debt habits will have a profound impact on their lives. If you start early with some engaging simulation of real-life finances, you
- [When Your Plans Go Awry](https://wwfcu.org/when-your-plans-go-awry/) - When leaving home for a vacation, most people experience a slight nervousness. “What if something goes wrong?” they ask themselves. Usually, it’s a concern that’s quickly forgotten when they reach their final destination. However, for an unlucky few, sometimes vacations do go “south”. Here are some situations you may run into while abroad, and how
- [Donating a Vehicle - Tax Deduction](https://wwfcu.org/donating-a-vehicle-tax-deduction/) - Do you have an old vehicle that’s been sitting in your driveway for years collecting dirt and rust? Maybe it’s the set of wheels you used in college or a minivan from when the kids still lived at home. You could sell it, but likely wouldn’t be worth the hassle. Instead, an easy way to
- [Tips for Easy Expense Tracking and Budgeting](https://wwfcu.org/tips-for-easy-expense-tracking-and-budgeting/) - Tracking personal expenses is an important habit to cultivate for any independent adult. By tracking your expenses, you can build a budget and find ways to make sure you don’t live outside your means. However, as anyone who’s attempted to track their expenses knows, it can be overwhelming at first. Here’s a process to make
- [Understanding Averaging Strategies](https://wwfcu.org/understanding-averaging-strategies/) - Have you ever heard of dollar-cost averaging or value averaging? It’s a strategy to avoid being exposed to price risk when making a large purchase in an actively traded security. Because if you make the investment all in one fell swoop, you might get lucky and see the price swing higher a few months after
- [NOTICE: >> Same Day ACH Clearing <<](https://wwfcu.org/notice-same-day-ach-clearing/) - Please be aware that a new Same Day ACH Debit regulation will go into effect on September 15, 2017. This means that any payment made by check, authorized by telephone and/or web could clear your checking account on the same day it's authorized. As always, we appreciate your membership.
- [Researching Your New Car](https://wwfcu.org/researching-your-new-car/) - Buying a new vehicle doesn’t need to be an overwhelming experience. Just do your homework before you visit the dealership, and you’ll be prepared to find the car you want—not just the car they want to sell you. Before you go to the dealership, you should do the following: Determine if you can afford a
- [Financing Your New Car](https://wwfcu.org/financing-your-new-car/) - In a previous post, we gave you tips on how to best do research for your new car. In this post, we will give you some smart financing tips. You’ve decided that you can afford a new car. Now what? Follow these tips for smart financing: Explore your financing options—especially your credit union. A credit union
- [Six Tips for Saving Money on the First Year of College](https://wwfcu.org/six-tips-for-saving-money-on-the-first-year-of-college/) - Everyone knows that college tuition and fees are high-cost items, but what about the many other expenses associated with higher education? Parents of freshmen are often very surprised by the price of books, travel, dorm accessories and other college necessities. The Michigan Association of CPAs offers six tips on how to save on these and
- [Moving to a City? Consider These Differences Before You Go](https://wwfcu.org/moving-to-a-city-consider-these-differences-before-you-go/) - Whether you’re moving for a job or just because you’re looking for a change, starting a new life in the city is always exciting. However, if you’ve lived in rural or suburban towns your whole life, the hustle and bustle of a city can certainly cause a bit of culture shock. Additionally, if you’ve lived
- [Vehicle Purchase: Lease vs. Buy](https://wwfcu.org/vehicle-purchase-lease-vs-buy/) - Should you lease or buy your car? Use this calculator to find out! We calculate your monthly payments and your total net cost. By comparing these amounts, you can determine which is the better value for you. LINK TO HANDY LEASE VS. BUY CALCULATOR Lease vs. Buy Definitions Purchase price Total purchase price. Price should
- [8 Keys to Becoming Financially Independent](https://wwfcu.org/8-keys-to-becoming-financially-independent/) - Most people aspire to become financially independent, but few actually think about or take the actions necessary to reach independence. Financial independence means having sufficient financial resources to comfortably choose whether to work or not work, or perhaps work in a highly desirable job that otherwise couldn’t support your standard of living. It means being
- [New WWFCU Online Banking Experience](https://wwfcu.org/new-wwfcu-online-banking-experience/) - WWFCU is always looking for ways to improve our services and help make our members' lives easier. With that in mind, we're very proud to announce that we'll be launching a new, user-friendly and state-of-the-art online banking platform. The new online banking system goes live on Monday, March 26. But don't worry, you'll have the
- [WWFCU is Growing!](https://wwfcu.org/wwfcu-is-growing/) - To better serve its community, Wayne Westland Federal Credit Union (WWFCU) has expanded its field of membership to include all of Wayne County. The WWFCU Board approved the field of membership expansion in July 2017, it was later approved by the National Credit Union Administration (NCUA). That means if someone you know lives, works, worships,
- [Automate Savings to Build Good Habits](https://wwfcu.org/automate-savings-to-build-good-habits/) - Automation helps any process or action run smoother and helps remove room for error—like forgetting or making an excuse to not do something or do it differently. And it’s no different for growing your saving account or investment portfolio. There are dozens of budgeting and financial management apps out there, but Acorns stands out in that it
- [Redefining Retirement](https://wwfcu.org/redefining-retirement/) - Gone is the dream of twilight years spent on the golf course and keeping an immaculate lawn. And at the same time, gone is the guarantee of Social Security and dependable pension plans. Contributing to this shift in the retirement landscape is the desire of twenty- and thirty-year-olds to be involved and serve a purpose
- [WWFCU Now Offers Apple Pay](https://wwfcu.org/wwfcu-now-offers-apple-pay/) - Wayne Westland Federal Credit Union is always looking for new ways to make our members’ lives easier. That’s why we’re excited to announce that our MasterCard Debit Card is now available on Apple Pay! Here are the perks of Apple Pay: It’s accepted at millions of stores, restaurants and online retailers Payments are secure and
- [Secured vs. Unsecured Loans](https://wwfcu.org/secured-vs-unsecured-loans/) - Secured and unsecured loans are the most common types of loans the average person will use throughout their life. But do you know the differences? Understanding how these two types of loans work will help you better understand your own financial portfolio. Secured Loans A secured loan is one protected by an asset, used as
- [Building Credit: Teens and Credit Cards](https://wwfcu.org/building-credit-teens-and-credit-cards/) - If someone recommended getting your teenager a credit card, your first reaction might be to call them crazy. But maybe there’s something to it. Building good credit is a long and sometimes complicated process. Young adults ages 17 and 18 are signing off on five-digit student loans, young college students are looking to buy their
- [Can Small Businesses Afford Not to Accept Credit Cards?](https://wwfcu.org/can-small-businesses-afford-not-to-accept-credit-cards/) - It’s probably no surprise that two thirds of shoppers prefer to use credit cards over cash on a day-to-day basis. For consumers, there are usually secondary benefits to using a credit card—they get airline miles or cash back—and there is often less risk in using credit cards—if cash is stolen, it’s gone for good, but
- [Buying a Home or Refinancing Soon? Read This First](https://wwfcu.org/buying-a-home-or-refinancing-soon-read-this-first/) - The housing marketing has been a bit of a roller coaster ride over the past few years. While the ride has seemed to level off as of late, many homeowners or potential homeowners are waiting to see what happens. We’ve got some good news for you – 2018 is a great time to do either:
- [Apple Pay Now Here for WWFCU Visa](https://wwfcu.org/apple-pay-now-here-for-wwfcu-visa/) - Wayne Westland Federal Credit Union now offers its members two ways to use Apple Pay. We announced a few weeks ago that we had Apple Pay for our MasterCard Debit Card. As of today, you can now use Apple Pay with your WWFCU Visa Credit Card as well! Here are the perks of Apple
- [Sweat Equity: Investing in Your Home](https://wwfcu.org/sweat-equity-investing-in-your-home/) - In terms of real estate, “sweat equity” is understood as value-enhancing improvements made by homeowners. These improvements might be made to increase the immediate value of the home for re-sale, or to increase the usability, enjoyability, and value of the home to the owners as they live there. Investing sweat equity into a home is
- [Get More Money in Your Pocket](https://wwfcu.org/get-more-money-in-your-pocket/) - More money in your pocket, thanks to WWFCU and Love My Credit Union® Rewards. Saving on the products and services you need and use every day is easy with Love My Credit Union Rewards. As a WWFCU member, you can get discounts and rewards that include: A $100 cash reward for each new line you activate, up to three
- [Your Credit Score Dropped After You Paid off a Loan. What Happened?](https://wwfcu.org/your-credit-score-dropped-after-you-paid-off-a-loan-what-happened/) - Your credit score goes up when you show that you’re financially trustworthy. One day you pay off a loan and notice that your score drops. Shouldn’t your credit score have jumped up, instead? To understand what’s happening, take a look at how credit scores are calculated: Credit Reports and Scores The three credit reporting agencies,
- [WWFCU is Now Open Wednesdays](https://wwfcu.org/wwfcu-is-now-open-wednesdays/) - You asked – we listened. Starting July 11th, Wayne Westland Federal Credit Union will be open Wednesdays to better meet your financial needs. To celebrate, we’re launching a month of Wonderful Wednesdays: Welcome Wednesday– July 11 Visit us during our branch lobby hours to get some fun WWFCU freebies. The first 20 members in
- [Do You Know the Difference Between Being Pre-approved and Pre-qualified for a Home Loan?](https://wwfcu.org/do-you-know-the-difference-between-being-pre-approved-and-pre-qualified-for-a-home-loan/) - Although the terms sound interchangeable, they represent two different stages in the home loan application process. If you begin looking at houses when you are pre-approved but not pre-qualified, you could fall for a house you can’t truly afford, or you’ll lose out to another buyer who is further along in the mortgage and buying
- [New Federal Rule for Mobile Deposits](https://wwfcu.org/new-federal-rule-for-mobile-deposits/) - Although Wayne Westland Federal Credit Union’s mobile app doesn’t include mobile deposits yet (we’re working on it, we promise!), a new rule by the Federal Reserve Board may still affect our members. Called Regulation CC, it’s changing how financial institutions are processing mobile deposits. If you’re unfamiliar with the term, mobile deposits let you use
- [What You Need to Know About Personal Loans](https://wwfcu.org/what-you-need-to-know-about-personal-loans/) - In recent years, personal loans have become one of the fastest growing loan products. They’re appealing for many reasons: they can offer low interest rates for people with good to great credit, they can be for smaller loan amounts, and they can be used to pay for a range of life’s expenses, including consolidating debt,
- [Avoid This Dangerous Facebook Scam](https://wwfcu.org/avoid-this-dangerous-facebook-scam/) - Bugs, viruses and ransomware have all forced us to be diligent when it comes to our email. But what about social media? Scammers are tackling Facebook, Twitter and other channels as well. The Better Business Bureau warns that you need to have your guard up wherever, and whenever, you click these days. One Facebook scam
- [Credit Unions and Small Businesses: A Perfect Partnership](https://wwfcu.org/credit-unions-and-small-businesses-a-perfect-partnership/) - Credit unions are not-for-profit, community-based, member-owned financial institutions that are uniquely positioned to help America’s more than 27 million small businesses. They return yearly profits to their members in the form of lower interest rates on loans, lower fees on accounts, and better interest on savings accounts—including business accounts and loans. They also offer smaller
- [Your Complete Used Car Buying Guide](https://wwfcu.org/your-complete-used-car-buying-guide/) - If you’re considering replacing your vehicle, have you considered purchasing a used one? The perception of used cars can be somewhat negative. That’s why the market-friendly term “pre-owned” is now more widely used (forgive the pun). However, shopping for a used car can be tricky because every car has a unique, and often hidden, history.
- [WWFCU Dances its Way to a $1,000 Donation](https://wwfcu.org/wwfcu-dances-its-way-to-a-500-donation/) - Never one to shirk from a challenge, the Wayne Westland Federal Credit Union (WWFCU) team decided to take part in the Michigan Credit Union League's #KekeChallenge. Set to Drake's "In My Feelings," and including dance moves made popular by Instagram comedian theshiggyshow, the WWFCU staff definitely rose to the #KekeChallenge! By participating in the challenge, we're
- [What to Ask When Buying a New Car](https://wwfcu.org/dont-forget-to-ask-these-questions-when-buying-a-new-car/) - There are many questions you’ll be asking yourself, the dealership sales associate, and probably car review websites before you decide to buy a new vehicle—but here are six questions you should ask before signing any purchase papers. These questions should be your “deal testers,” a way for you to verify the purchase terms, understand all
- [WWFCU Celebrates International Credit Union Day by Rewarding its Members](https://wwfcu.org/wwfcu-celebrates-international-credit-union-day-by-rewarding-its-members/) - October 18, 2018 marks the 70th anniversary of International Credit Union (ICU) Day. Since 1948, credit unions around the world have come together annually on the third Thursday in October to commemorate the credit union movement’s history and achievements. About ICU Day For over 150 years, credit unions worldwide have proudly collaborated to put people before
- [Assets First-Time Homebuyers Should Have](https://wwfcu.org/assets-first-time-homebuyers-should-have/) - Believe it or not, you’ll need more than just a pile of cash to make your first (or second, or third) home purchase. There are other non-monetary assets that you’ll need in order to qualify for a home loan with the lowest interest rate. Add these five assets to your list of things to have
- [Snowbirds and Tax Migration](https://wwfcu.org/snowbirds-and-tax-migration/) - Snowbirds, those who reside in a northern state during summer and travel south for the winter but maintain homes in both states, need to be aware of how tax codes apply to them as they migrate. To avoid nasty surprises by over- or underpaying taxes, snowbirds need to determine which home acts as their domicile, what
- [Getting the Most from Your Trade-In](https://wwfcu.org/getting-the-most-from-your-trade-in/) - You’ve been out shopping for your next car and know exactly what you want. You’ve already decided to trade in your car to a dealer to act as a down payment, or save you the hassle of selling it yourself. There are a few things to consider before you even start the trade-in process. The
- [Top 10 Financial Resolutions](https://wwfcu.org/top-10-financial-resolutions/) - Although dieting and good health may top most people’s New Year’s resolutions, WWFCU thinks you should add some financial resolutions to your list. Below are our top ten – feel free to pick and choose the ones that work best for you. Sign up for credit monitoringPeriodically checking your credit union and credit card statements
- [How to Build Credit Without a Credit Card](https://wwfcu.org/how-to-build-credit-without-a-credit-card/) - You need credit. In order to buy a home, be eligible for loans, and live a financially healthy life, you’ll need to participate in some sort of credit. Many Americans turn to credit cards as the primary way to build their credit report and score, but they can also pose problems. Credit card debt adds
- [How to Dig Out of Holiday Debt](https://wwfcu.org/how-to-dig-out-of-holiday-debt/) - Did you pack on some extra pounds as well as debt over the holidays? Don’t worry, you’re not alone. Consumer’s spent an average of just over $1,000 this holiday season. Like those extra pounds, it takes more work to whittle debt down than it did to gain it. That’s why WWFCU put together some helpful
- [3 Money Resolutions for Millennials (and Others!)](https://wwfcu.org/3-money-resolutions-for-millennials-and-others/) - Millennials are now at the age where they’re buying cars and homes as well as starting families. With all of these financial responsibilities, some other money needs can slip through the cracks. Nothing like having a new year to help you focus on finances. Here are three major money matters Millennials should tackle in 2019:
- [Is it Time to Refinance Your Auto Loan?](https://wwfcu.org/is-it-time-to-refinance-your-auto-loan/) - When most of us think of loan refinancing, we think of mortgages. But you can also refinance your auto loan– which is even easier! There are two main reasons you should refinance your auto loan: You’ve found a lower interest rateYour credit score has improved Lower Rate If you don’t already know, credit unions historically have
- [Emergency Fund Basics](https://wwfcu.org/emergency-fund-basics/) - While we were already planning on writing about emergency funds, doing so in the aftermath of the partial government shutdown seems more than timely! Employees were laid off for 35 days and it still might be weeks before they see a paycheck. Would you be able to survive a month or two without a paycheck?
- [Your Tax Prep Guide and Checklist](https://wwfcu.org/your-tax-prep-guide-and-checklist/) - The end of January has come and gone, which means you should have all of your important tax documents by now. You know what that means? It’s time to gather everything to get ready to file your tax returns. Whether you file your own taxes or get them done, you’ll still need to tackle this
- [Why You Should Love Your Credit Union](https://wwfcu.org/why-you-should-love-your-credit-union/) - Many of our members make their deposits, withdrawals and payments without thinking much about what being a WWFCU member truly means. That’s okay, we don’t mind. But in honor of Valentine’s Day, we thought we’d share the top eight reasons why our members love WWFCU. Low RatesCredit unions are known for their low loan interest rates.
- [Beware of IRS Tax Scams](https://wwfcu.org/beware-of-tax-scams/) - Tax season is here. It’s not only a time filled with W-2s and receipts – but scams as well. You’ll want to be on your guard to protect yourself this time of year. IRS Imposter Scams Whether it’s by phone, mail or email, IRS scammers will often try one of two approaches to get your
- [How to Survive Tough Financial Times](https://wwfcu.org/how-to-survive-tough-financial-times/) - Whether you’re a victim of the federal government shutdown, a recent layoff or just too much debt, don’t despair. There are some simple steps you can take to help you survive these tough times: Cut back Review spending habits– This should be your first step. Put together a budget of what’s coming in and what’s
- [For National Credit Education Month – Do You Know What Affects Your Credit Score?](https://wwfcu.org/for-national-credit-education-month-do-you-know-what-affects-your-credit-score/) - To recognize National Credit Education Month, we thought we’d focus this week’s blog on credit. By now we all know that paying your bills late or not paying them at all can drastically affect your credit score. But there are many more factors that go into your score. First, let’s start off with the actual
- [Five Tips for Spring Break on a Budget](https://wwfcu.org/five-tips-for-spring-break-on-a-budget/) - Spring break. For teens and college kids, it’s almost a rite of passage. For families, it’s a much-needed vacation from the day-to-day grind. For both, it can take a big bite out of your savings. We think everyone deserves a spring break – so we put some tips together to help make it more affordable.
- [When to File Your Taxes](https://wwfcu.org/when-to-file-your-taxes/) - If you’re like millions of Americans, you wait till mid-April to file your income tax return. But are there any benefits to filing then? Or is it better to file early? We break it down for you. File Your Taxes Early Honestly, there are more pros than cons to filing your taxes before the April
- [Money Smart Week Kicks Off](https://wwfcu.org/money-smart-week-kicks-off/) - No matter how financially savvy we think we are, there’s always room to learn more. That’s why the Federal Reserve bank of Chicago created Money Smart Week. Over 30 Chicago-area organizations joined together to create the Money Smart Advisory Council to work together to promote financial literacy. Money Smart Week launched in 2002 and includes
- [4 Mistake to Avoid at Tax Time](https://wwfcu.org/4-mistake-to-avoid-at-tax-time/) - When preparing your taxes there are a lot of simple and easy errors you can avoid with a little double checking and extra diligence. Also, one of the biggest reasons a tax refund is delayed is because of an error. Check out this list of common errors and correct them before you file: Incorrect or
- [How to Boost Your Financial Literacy](https://wwfcu.org/boost-your-financial-literacy/) - April is Financial Literacy Month. Financial Literacy Month became official in 2004 when the Senate passed Resolution 316 to officially recognize the month. While it’s not as fun as Halloween or your birthday, its goal of starting and keeping healthy financial habits is worth celebrating. Why We Need Financial Literacy Month We know, it seems
- [8 Ways to Spring Clean Your Finances](https://wwfcu.org/8-ways-to-spring-clean-your-finances/) - Your house and yard aren’t the only things that need a little extra attention this spring – so do your finances. Spring is the perfect time to take a step back and look at the bigger picture and tend to the financial areas that need help. We have eight tips to help you spring clean
- [Should You Touch Your 401(k)?](https://wwfcu.org/should-you-touch-your-401k/) - If you’ve taken saving for your future seriously, chances are you have a 401(k). In case you’re unfamiliar with the term, a 401(k) is a savings/investing plan from employers that gives you a tax break on any money you set aside for retirement. Good savers can accumulate a tidy sum in these types of accounts,
- [7 Smart Ways to Invest Your Tax Refund](https://wwfcu.org/7-smart-ways-to-invest-your-tax-refund/) - You can maximize your tax refund in several ways — from paying off high-interest debt to investing in a business or saving for retirement. One or more of these options could be the perfect fit for you. Pay Off High-Interest DebtHas a high-interest credit card balance been a thorn in your side? Resist temptation to
- [FHA Loan Basics](https://wwfcu.org/fha-loan-basics/) - An FHA loan is a mortgage that’s guaranteed by the government’s Federal Housing Administration. Because of this guarantee, FHA loans are more available to homebuyers who do not qualify for traditional mortgages. Should I get an FHA loan? FHA loans are great for anyone, but they’re especially good for those who: • Are first-time homebuyers
- [Essential Tips for First-time Homebuyers](https://wwfcu.org/essential-tips-for-first-time-homebuyers/) - The thought of buying your first home can be thrilling – and intimidating. Whether you’ve just started the homebuying journey or you’re in the middle of the process, we’ve got some tips to help you along the way. These tips can be a refresher if this isn’t your first time house-hunting as well. Down PaymentIt
- [Fixed Rate vs. Adjustable Rate Mortgages](https://wwfcu.org/fixed-rate-vs-adjustable-rate-mortgages/) - From picking neighborhoods and school districts, to dealing with down payments and home inspections, there are a lot of choices homebuyers need to make. A major decision, one that will affect your finances for years, is what kind of mortgage to get: fixed or adjustable rate. The most popular type of mortgage is fixed-rate, which means
- [What Can Mobile Banking Do for You?](https://wwfcu.org/what-can-mobile-banking-do-for-you/) - The average American spends nearly four hours a day on their smartphone, and about a third of U.S. smartphone users use mobile banking or mobile banking apps. As a WWFCU member, you’re in luck! We offer both mobile banking and a mobile banking app. Whether you’re already familiar with our mobile banking or are new
- [Private Mortgage Insurance (PMI) Basics](https://wwfcu.org/private-mortgage-insurance-pmi-basics/) - Private Mortgage Insurance (PMI) When purchasing a home, there are many different costs to factor into a budget. While many people are aware of expenses like taxes and the cost of making repairs, there are some costs that people don’tthink about, such as Private Mortgage Insurance (PMI). PMI is an additional monthly expense added to your
- [Top Financial Tips for New Parents](https://wwfcu.org/top-financial-tips-for-new-parents/) - Being a new parent comes with a lot of decisions. From picking the right stroller and car seat to the perfect name, making the right choices can be stressful. We hate adding to your parental to-do list, but now is the time to add some financially-related tasks to your list as well. Insurance Add Your
- [5 Ways to Save for Summer Vacation](https://wwfcu.org/5-ways-to-save-for-summer-vacation/) - How many times have you vowed you were going to take a summer vacation only to not have the funds when the time comes? WWFCU thinks you deserve a vacation this summer, so we put together five tips to help you save for it: Budget TripThe first important step to take is to figure out
- [The Financial Realities of Starting Your Own Business](https://wwfcu.org/the-financial-realities-of-starting-your-own-business/) - Ready to take the leap from working for someone else to starting your own business? We have a rundown of some of the financial realities you’ll need to consider before diving in. Start with a Business PlanIf you don’t already have a business plan, you’ll need one before you start your business. A business plan
- [Should You Buy that Boat?](https://wwfcu.org/should-you-buy-that-boat/) - Now the warmer weather is here, so are the hopes and dreams of Michiganders wanting to buy a boat. But is buying a boat the right thing for you? By now you’ve probably heard the saying that a boat is a hole in the water into which you throw money. Whether that’s true or not,
- [A Brief History of Credit Unions](https://wwfcu.org/a-brief-history-of-credit-unions/) - Since we’re celebrating the birth of our country this week, we thought we’d take some time to share the birth of the credit union movement with you. Would you be surprised to know that credit unions first started in Germany? In the 1850s, two gentlemen opened the first credit unions. Cooperative pioneer Hermann Schulze-Delitzch created
- [Yes, You Can Get a Personal Loan](https://wwfcu.org/yes-you-can-get-a-personal-loan/) - By now, you’ve probably heard a lot about the “credit union difference” and how credit unions are better than banks (at least we think so!). But what does that mean to you, our members? Well, a heck of a lot when it comes to personal loans. Consider making a credit union your first stop when
- [Should You Retire or Become an Entrepreneur?](https://wwfcu.org/should-you-retire-or-become-an-entrepreneur/) - The average age that people are retiring these days is 60. For the past twenty years, that number has slowly been rising. The main reason is that we’re living longer so we’re choosing to work longer. The other reason is aging workers can’t rely on a pension or social security to sustain them in their
- [Three Jars: Teach Your Kids to Save, Spend and Give](https://wwfcu.org/three-jars-teach-your-kids-to-save-spend-and-give/) - If your kids are like most, any money you give them burns a hole in their pockets. This isn’t that different from most adults, come to think of it! As parents, you want to set your kids on the right money path as soon as possible so they learn the value of saving and giving
- [Save Money this Back-to-School Season](https://wwfcu.org/save-money-this-back-to-school-season/) - Who knew that erasers and binders could cost so much? Americans spent over $28 billion on back-to-school purchases in 2018. That’s an average of about $650 per child. Scary, huh? Your bottom line doesn’t need to be so scary or so high. We have a few tips to help you save some money this back-to-school
- [Top 4 Reasons You Need a CD](https://wwfcu.org/top-5-reasons-you-need-a-cd/) - There are literally dozens of ways you can save and invest your money these days. But the truth is, most of us are looking for something simple, dependable and relatively risk-free. If that’s what you want, then a certificate of deposit (CD) may be the answer. (They’re called share certificates at WWFCU.) The ABCs of
- [Get the Most Out of Online Banking](https://wwfcu.org/get-the-most-out-of-online-banking/) - If you’re like most of us, you use online banking to check your balances, account statements and maybe pay a bill or two. But there’s so much you can do! As much as we love seeing you in our lobby or drive-thru, you can perform many of your daily transactions using our online banking. What
- [How to Raise Money-Smart Kids](https://wwfcu.org/how-to-raise-money-smart-kids/) - For some parents, talking to their kids about money is almost as difficult as discussing the birds and the bees. Don’t be one of those parents! Talking to your kids about money should basically be a series of easy, simple and straightforward conversations that you have throughout their lives. No pressure, right? Early Elementary Before
- [Money Lessons with Back-to-School Shopping](https://wwfcu.org/money-lessons-with-back-to-school-shopping/) - For most kids, back-to-school shopping is all about finding the perfect pencil bag or backpack. But as their parents, it’s up to you to take it up a notch and use it to teach them a few financial lessons as well: Budgeting– Work with your kids to put together a shopping list and then a
- [Why Use a Digital Wallet?](https://wwfcu.org/why-use-a-digital-wallet/) - If you haven’t fully jumped on the digital/mobile wallet bandwagon, now might be the time. A digital wallet is a smartphone app like Apple Pay, Google Pay or Samsung Pay that lets you store your debit and credit cards in it and then pay for transactions with just a tap. Many people haven’t used a
- [How to Boost Your Credit at WWFCU](https://wwfcu.org/how-to-boost-your-credit-at-wwfcu/) - Is your credit not as good as it could be? You’re not alone. About 20% of Americans have credit in the poor to fair range (669 or lower). WWFCU is always looking out for its members and your financial health. So, we thought we’d share a few general tips on how to boost your credit
- [All About Credit Unions](https://wwfcu.org/all-about-credit-unions/) - If you’re a WWFCU member, we’d like to thank you. We also have a question for you ... Have you ever really thought about what being a credit union member means? Sure, in many ways being a credit union member is similar to being a bank customer. You can have checking and savings accounts, get
- [Tips to Help Protect Yourself from Fraud](https://wwfcu.org/tips-to-help-protect-yourself-from-fraud/) - You wouldn’t leave your cash or credit cards out in public for anyone to use, would you? These days you need to protect yourself and your money from thieves and hackers in all you do. The smarter technology becomes, the savvier thieves are becoming as well. The amount of credit card numbers being exposed to
- [Do You Need Life Insurance?](https://wwfcu.org/do-you-need-life-insurance/) - Oftentimes, life insurance is one of those things we put off getting. If you have people relying or depending on you, chances are you should think about getting a policy. Types of Insurance If you decide to take the plunge, you’ll need to decide what type of life insurance policy you need. There are two
- [Twelve Easy Ways to Save Money](https://wwfcu.org/twelve-easy-ways-to-save-money/) - In honor of National Savings Day on October 12, we thought we’d give you some realistic ways to save money. If you’re like most, you have the best intentions when it comes to saving, but have a hard time following through. That’s why we have twelve easy ways to save: Credit Cards Pay your cards
- [Celebrating International Credit Union Day](https://wwfcu.org/celebrating-international-credit-union-day-2/) - Happy International Credit Union Day (ICU Day)! Thanks to the Credit Union National Association, the third Thursday in October has been set aside to celebrate U.S. credit unions since 1948. WWFCU Celebrates ICU Day ICU Day gives us the opportunity to celebrate the credit union movement and to thank our community. On October 17, 2019,
- [What is a Christmas/Holiday Account?](https://wwfcu.org/what-is-a-christmas-holiday-account/) - Christmas accounts first began in the early 1900s, created to help credit union members be able to afford holiday shopping. Today, they’re still going strong with nearly three-quarters of U.S. credit unions offering them. How many times have you set money aside in your checking or regular savings account for the holidays, only to have
- [Saving Doesn’t Need to Be Scary](https://wwfcu.org/saving-doesnt-need-to-be-scary/) - Saving money. It’s something we all mean to do, but never seem to get around to. For some, it’s the inconvenience of moving money around in their accounts. To others, it’s the panic that if they save a percentage of their income, they won’t have enough money to live off of. The good news is
- [When’s the Best Time to Buy a Car?](https://wwfcu.org/whens-the-best-time-to-buy-a-car/) - So, you’ve been scrimping and saving to buy a new car. But is now the best time for the best deal? Before you spend more of that hard-earned money than you should, we’ve got some tips on when is the ideal time to buy a car. No Weekends While the weekends might be the easiest
- [Which to Choose – Credit or Debit?](https://wwfcu.org/which-to-choose-credit-or-debit/) - Credit or debit? Most of us are asked that question several times a week when using our debit card. But do you truly know what the difference is and which is the best choice for you? Choosing Debit You use your PIN for purchases It’s an offline transaction when you check out There are lower
- [Can Being Thankful Help Your Finances?](https://wwfcu.org/can-being-thankful-help-your-finances/) - By now you’ve probably heard that keeping a gratitude journal can help make you happier. But can being grateful/thankful help make you richer? Perhaps. Increased Productivity Boosting your daily gratitude can actually help boost your bottom line due to increased productivity. It turns out the happier you are, the chances are you’re more inclined to
- [Understanding Your Credit Report](https://wwfcu.org/understanding-your-credit-report/) - By now, you’ve probably heard it’s in your best interest to check your credit report a couple of times per year for accuracy and errors. But do you know what to actually look for once you’ve got your credit report in front of you? Getting Your Report To be able to review your credit report,
- [Surviving the Holidays on a Budget](https://wwfcu.org/surviving-the-holidays-on-a-budget/) - Shoppers are expected to spend around $731 billion on the holidays this year, with the average person projected to spend at least $885. It may sound like a lot, but it’s easy to go over your budget at the holidays. We’ve got some useful tips to help you rein in your expenses this season. Make
- [Top 5 Year-End Financial Goals](https://wwfcu.org/top-5-year-end-financial-goals/) - The year is almost over, which means it’s time to set up your goals for the New Year. We won’t call them resolutions, because those seem too easy to ignore. If you set up financial goals instead and put a plan together to accomplish them, you’ll be more likely to achieve them. The idea way
- [Why Skip-a-Payment?](https://wwfcu.org/why-skip-a-payment/) - During the holidays do you find yourself scrimping to make ends meet and aren’t sure how you’re going to pay this month’s bills? Know that you’re not alone. This is why WWFCU offers Skip-a-Payment. What is Skip-a-Payment? If you have a loan at WWFCU and want a month off of your loan payment, all you
- [Holiday Shopping Fraud Alert](https://wwfcu.org/holiday-shopping-fraud-alert/) - ‘Tis the season for not only family gatherings, good food and holiday shopping – it’s also the season for fraud. With all of the stress that comes with the holidays, it’s easy to let your guard down. To help protect our members, WWFCU is offering these scam alerts: E-skimming Scammers find weak links on online
- [Financial Goals for Each Decade of Your Life](https://wwfcu.org/financial-goals-for-each-decade-of-your-life/) - A person’s financial goals grow and change with the individual. Your goals in your 20s aren’t usually the same as when you’re 50. We wanted to give you an overview of what some of your financial goals should be, decade by decade. Your 20s Set Up Good Habits Now is the time to put your
- [Unique Financial Resolutions](https://wwfcu.org/unique-financial-resolutions/) - Come the New Year, many of us resolve to spend less and save more. Two subjects we discuss a lot on our blog! This year, we thought we’d shake things up a bit and give you a list of unique and ultra-specific resolutions/goals you can make for the New Year. Save Change When paying with
- [New Year, New Financial Goals](https://wwfcu.org/new-year-new-financial-goals/) - As you take a look back at 2019, you’re probably resolving to have better control over your finances in the New Year. From saving more to spending less, we’ve got your goals covered: Watch Your Credit Score Many of us only look at our credit score once a year or when we’re looking to make
- [Curing a Holiday Debt Hangover](https://wwfcu.org/curing-a-holiday-debt-hangover/) - Along with the decorations, cookies and family fun, the holidays also often come with a sizeable chunk of debt. In fact, 42% of Americans expect to have about $500 in holiday debt. If you find yourself a bit buried in debt, WWFCU has some great tips to help dig you out. Evaluate As much as
- [Making Saving Painless](https://wwfcu.org/making-saving-painless/) - Do you find yourself making excuses on why you can’t save money? Hopefully, our tips will make it easier to save and harder to keep coming up with excuses on why you can’t. Make it Automatic Do you have direct deposit from your employer? Chances are you can designate more than one account for your
- [How Many Credit Cards Should I Have?](https://wwfcu.org/how-many-credit-cards-should-i-have/) - One is often not enough, but how many credit cards are too many? Is there a magic number of credit cards that will help, not hurt, your credit score? Your credit score is based on many factors and can be affected by numerous things. It all comes down to ratios. Credit agencies look at what
- [What to Teach Your Kids About Credit Cards](https://wwfcu.org/what-to-teach-your-kids-about-credit-cards/) - As a grown-up you know that there are both negative and positive sides to having a credit card. Many of us find out the hard way what it means to own a credit card. If you’re a parent, you probably like to help your kids avoid the same mistakes you made. Here are a few
- [Should I Refinance My Car?](https://wwfcu.org/should-i-refinance-my-car/) - You always hear about people refinancing their mortgages, but what about refinancing an auto loan? There are several reasons you may want to refinance your auto loan, and a couple of reasons you might not. Read on to see what best describes your auto loan situation to decide if you should refinance your car. Why
- [6 Reasons to File Your Taxes Early](https://wwfcu.org/6-reasons-to-file-your-taxes-early/) - About a third of Americans wait till the last two weeks of the deadline to file their taxes. If you’re one of the procrastinators, you may want to change things up this year and file early. Here are six reasons why it pays to file your tax returns early: Quicker Refunds Since most people wait
- [The Myth of 20% Down on Mortgages](https://wwfcu.org/the-myth-of-20-down-on-mortgages/) - Chances are, if you’ve listened to your parents you’ve been instructed that you need at least 20% down when buying a home. You’re not alone. According to a Sallie Mae survey, nearly 50% of renters think they need 20% down to buy a home. The good news is you’re much closer to becoming a homeowner
- [Prepping for Tax Time](https://wwfcu.org/prepping-for-tax-time/) - Even though it’s an annual inevitability, tax season seems to take many of us by surprise. Don’t let that happen to you this year. Here are a few tips to make filing your taxes easier and relatively painless. Decide How You’re Filing Are you doing your taxes on your own this year or are you
- [7 Tax Mistakes to Avoid](https://wwfcu.org/7-tax-mistakes-to-avoid/) - Hey, we all make mistakes once in a while. But the one area in your life you need to make sure you’re error-free is when filing your tax return. The Internal Revenue Service (IRS) isn’t very forgiving when it comes to mistakes on your returns – which is why we’re sharing seven tax mistakes you
- [Falcon Fraud Alerts](https://wwfcu.org/falcon-fraud-alerts/) - We have teamed with Falcon Fraud protection services to continuously monitor your WWFCU debit cards as of February 5, 2020. This service helps identify and prevent fraudulent transactions. If any of your card transactions seem unusual or outside of your normal spending patterns, this may prompt Falcon Fraud to contact you to confirm the transaction(s).
- [Why Debit Cards Are a Safe Choice](https://wwfcu.org/why-debit-cards-are-a-safe-choice/) - Over half of Americans prefer using their debit cards over any other form of payment, and this number continues to grow. However, in this age of security breaches, consumers are wondering if using debit cards is safe. We have four facts on how/why debit cards are a safe choice. Decrease in Debit Card Fraud Believe
- [Is Debt Consolidation Right for Me?](https://wwfcu.org/is-debt-consolidation-right-for-me/) - Drowning in debt and not sure how to get out of it? You could speak to creditors, budget smarter, make bigger payments or try debt consolidation. Debt consolidation is where you roll several of your debts into a single loan payment. There are a lot of factors to consider when deciding if debt consolation is
- [Should I Do My Own Taxes?](https://wwfcu.org/should-i-do-my-own-taxes/) - Have you been relying on a tax preparer to do your tax returns? Or are you new to the world of filing income tax returns? Either way, you might be wondering if it makes sense to do your own tax return. We have a few tips to help you decide what’s best for you. Your
- [COVID-19: Protecting Yourself at WWFCU](https://wwfcu.org/covid-19-protecting-yourself-at-wwfcu/) - We’re always talking to you about your financial health, but with the COVID-19 coronavirus now in Michigan we thought we’d talk about your physical health. Whether you’re ill or worried about getting ill, you still have plenty of banking options at WWFCU. Many of our transactions can be performed either using our drive-thru, online banking
- [WWFCU Lobby Closed, Drive-Thru Open](https://wwfcu.org/wwfcu-lobby-closed-as-of-3-16-20/) - March 16, 2020 First, let me assure you there have been no confirmed exposure to the COVID-19 (coronavirus) at WWFCU. We take the well-being and safety of our members and staff very seriously and they are at the heart of every decision we make. As inconvenient as it may be for our members, we are taking
- [Coronavirus and Your Money](https://wwfcu.org/coronavirus-and-your-money/) - Staying healthy isn’t the only concern these days. The coronavirus is also affecting our wallets. We want our members healthy and to keep your financial stresses at a minimum, so here are a few tips to help. Keep Your Savings Safe – Some people panic during stressful times and want to withdraw all their savings.
- [Think Mobile and Online Banking First](https://wwfcu.org/think-mobile-and-online-banking-first/) - WWFCU closed its lobby during this COVID-19 outbreak to protect its community and staff. We know this is an inconvenience for some of our members, so we wanted to outline all the transactions you can do on your laptop, PC or smartphone. Skip the drive-thru lines and use a little technology instead! Online and Mobile
- [Money Lessons for Homebound Kids](https://wwfcu.org/money-lessons-for-homebound-kids/) - If you’re stuck at home with your kids during the coronavirus outbreak, you’re probably grasping at ways to keep your young ones busy. We always think financial education should be a top priority no matter how old you are, but now may be the perfect time to teach your kids a thing or two about
- [5 Home Improvements You Shouldn’t Miss](https://wwfcu.org/5-home-improvements-you-shouldnt-miss/) - If you’re a homeowner, chances are you have a “honey-do” list and a wish list of things you’d like to do around the house. Don’t wait until you’re trying to sell your home to make some improvements. Making home improvements sooner rather than later lets you enjoy your investment longer. But where to start? If
- [Top 5 Life Insurance Myths](https://wwfcu.org/top-5-life-insurance-myths/) - Do you hear “life insurance” and think it’s for old people or breadwinners from large families? Think again. These are just two of the misconceptions that people usually have about life insurance. Keep reading to view other life insurance myths and the actual truth behind them. Myth #1 I’m young, healthy and single, I don’t
- [Pet Owners Get Tax Breaks Too!](https://wwfcu.org/pet-owners-get-tax-breaks-too/) - Business owners and parents seem to get all the tax breaks, but what if your “kid” has four legs and is furry? Guess what? You get some tax breaks too! Read on to see if your pet helps you qualify for any of these deductions. Pest Control – Did you get your cat or other
- [Kids Count at WWFCU](https://wwfcu.org/kids-count-at-wwfcu/) - As parents, we all want to set our kids on a solid financial path. A great way to do this is to open a savings account with them. Who? Is there an ideal age for a child to have a savings account? It partially depends on the child. They should have a beginning understanding of
- [What You Need Before You Buy a Car](https://wwfcu.org/what-you-need-before-you-buy-a-car/) - Whether you’re looking to get a new or used vehicle, buying a car can be an exciting yet stressful experience. WWFCU wants to take the stress out of the process and walk you through the steps you need to take before signing on the dotted line. Get Your Score Unless you’re paying cash, the very
- [Budget Basics](https://wwfcu.org/budget-basics/) - In honor of Financial Literacy Month, we wanted to remind our members of the basics of budgeting. Creating and sticking to a detailed budget are the first steps toward financial health. Many of us have the best intentions to make a budget but keep procrastinating. While in the meantime we’ll be living paycheck to paycheck.
- [Tips for Handling Debt](https://wwfcu.org/tips-for-handling-debt/) - Whether your hours have been reduced or you’ve been laid off due to the coronavirus pandemic, your bills are probably piling up. While this can be stressful and scary, the worst thing you can do is hope it all goes away and do nothing. Contact Your Lenders The first step you should take is to
- [Time to Reopen Your Small Business?](https://wwfcu.org/time-to-reopen-your-small-business/) - More and more communities are looking to the near future when businesses may open back up again. If your business was forced to shut down due to the coronavirus pandemic, you may be wondering what to do next. Now is the time to think things through and put a formal plan together. Health Policies You’ll
- [How to Become Financially Independent from Your Parents](https://wwfcu.org/how-to-become-financially-independent-from-your-parents/) - If you’re like many 20-somethings, you either still live at home with your parents or they’re helping you pay your bills. Don’t despair. According to a study by Pew Research, 45% of young adults ages 18 to 29 say they’ve received a lot or some financial help from their parents in the past 12 months.
- [Are You Financially Ready to Retire?](https://wwfcu.org/are-you-financially-ready-to-retire/) - If you’re at the point where retirement is looming on the horizon, it’s time to determine if you’re actually financially ready to retire. Here are a few things to consider before you leave work behind. Spending If you track your spending and expenses or use a budget, you’re ahead of the game. If not, you
- [Fine Tuning Your Credit](https://wwfcu.org/fine-tuning-your-credit/) - We all work hard to maintain a decent credit score. But it doesn’t take much to put a dent in it. We’ve got a few tips on how to fine tune your credit before the speed bumps of life affect it. All Debt is Equal When it comes to your credit report, agencies look at
- [Dos and Don’ts for First-Time Homebuyers](https://wwfcu.org/dos-and-donts-for-first-time-homebuyers/) - We know, there are so many things to learn and think about before buying your first home. So, we thought we’d simplify things and give you a Do and Don’t list. Don’t ... Shop Too Soon You need to apply for a mortgage before you do anything else. Since there are few homes on the
- [Is it Time to Get a Credit Card?](https://wwfcu.org/is-it-time-to-get-a-credit-card/) - It seems like you can’t do anything these days without a major credit card. But what if you or your adult kids don’t have one yet? If you’re wondering if it’s time to get a credit card have other questions, we have a few answers for you. Turning 18 For credit card companies, turning 18
- [Save on Back-to-School Shopping](https://wwfcu.org/save-on-back-to-school-shopping/) - While this school year is going to be an unusual one, one thing remains the same ... Our kids will need school supplies! Since back-to-school shopping is hard to avoid, we figured we’d give you a few ways you can save on supplies. Do an Inventory Chances are, you have plenty of school supplies left
- [3 Things to Consider Before Refinancing Your Home](https://wwfcu.org/3-things-to-consider-before-refinancing-your-home/) - The one good outcome of the economic chaos surrounding the pandemic is some of the lowest interest rates we’ve seen in a long time. But before you rush to refinance your home, there are three things to consider. Do the Math Yes, the interest rates are historically low, but they might not be low enough
- [Build Credit with a Share Pledge Loan](https://wwfcu.org/build-credit-with-a-share-pledge-loan/) - Whether you’re just starting out or you’ve hit a few bumps along the way, building credit can be difficult. An easy way to start building or rebuilding your credit is with a share pledge/share secured loan. A share secured loan (what WWFCU calls a share pledge loan) lets you use the money in your savings
- [Do I Still Need to Balance My Checkbook?](https://wwfcu.org/do-i-still-need-to-balance-my-checkbook/) - Checks? Who writes checks anymore, let alone balance a checkbook? While the process may seem old-fashioned, believe it or not, it’s still necessary. Balancing a checkbook, also known as bank/account reconciliation is still needed because it can help you catch any errors or fees and helps you stay on top of your finances. Read on
- [What is the Envelope System and is it Right for Me?](https://wwfcu.org/what-is-the-envelope-system-and-is-it-right-for-me/) - In this age of technology, the idea of the envelope system seems to have faded away. Which is a shame. The envelope system is a great way to take charge of your finances and is great if you’re just starting out or want to be more hands-on with your money. What is the Envelope System?
- [Is a Money Market the Best Choice for Me?](https://wwfcu.org/is-a-money-market-the-best-choice-for-me/) - Are you looking for a way to save money, but a savings account isn’t enough? A money market account is a no-risk, higher interest way to put your money away for a rainy day. What is a Money Market Account? A money market account is basically a savings account that offers easier withdrawals and a
- [WWFCU 2021 Holiday Closings](https://wwfcu.org/wwfcu-2021-holiday-closings/) - Holiday Closings New Year's Day Friday, January 1, 2021** Martin Luther King, Jr. Day Monday, January 18, 2021 President's Day Monday, February 15, 2021 Memorial Day Weekend Saturday, May 29, 2021 Memorial Day Weekend Monday, May 31, 2021 Independence Day Monday, July 5, 2021 Labor Day Weekend Saturday, September 4, 2021 Labor Day Weekend Monday,
- [WWFCU Fee Schedule Clarification](https://wwfcu.org/wwfcu-fee-schedule-clarification/) - Dear Valued Member, Wayne Westland Federal Credit Union management and staff wish you a Happy New Year! We hope the holidays have been good to you and your families, bringing both good health and happiness. I would like to clarify recent concerns regarding our January 2021 fee schedule. The latest fee schedule was sent to
- [IMPORTANT INFORMATION REGARDING STIMULUS PAYMENTS](https://wwfcu.org/important-information-regarding-stimulus-payments/) - ATTENTION-IMPORTANT INFORMATION REGARDING STIMULUS PAYMENTS If you received a check or a visa debit card as your stimulus payment, please read the following important information. Stimulus Checks Stimulus checks must be endorsed. Checks that are not endorsed or have “for deposit only” written on the back are not negotiable. Third party stimulus checks will
- [Protect Your Privacy!  Stop the IRS from Looking at Your Account](https://wwfcu.org/protect-your-privacy-stop-the-irs-from-looking-at-your-account/) - In an effort aimed at increasing taxpayer compliance, the Biden Administration has proposed that financial institutions be required to report additional account holder information in an enhanced annual I.R.S. Form 1099-INT. Beginning in 2023, the Administration hopes that the IRS will be able to use this information to increase tax compliance and thus raise federal
- [Prepare to buy your new home like a pro!](https://wwfcu.org/prepare-to-buy-your-new-home-like-a-pro/) - When it comes to buying a new home, there are a lot of factors to consider. From budgeting to gathering the right documents, taking a few extra steps before you begin can save you a lot of time down the line! Our friends at Mortgage Center put together a blog article that breaks it all
- [New Hours of Operation](https://wwfcu.org/new-hours-of-operation/) - New Hours Effective: December 1, 2021. We are still here for you no matter what time it is! Check out these 24/7 services: *WWFCU Home banking *30,000+ surcharge free ATM's *WWFCU Mobile banking App *Phone Access Line (P.A.L.) *Remote Deposit Capture Lobby Hours: Monday – Thursday: 9:30 a.m. – 5:00 p.m. Friday: 9:30 a.m. –
- [WWFCU Announces Launch of Motor City Loans](https://wwfcu.org/wwfcu-announces-launch-of-motor-city-loans/) - Westland, Mich., July 12, 2022 – Wayne Westland Federal Credit Union (WWFCU), the reliable financial institution that has successfully served this community for 68-years, is pleased to unveil an exciting new loan product that is sure to meet the needs of the people of Wayne-Westland and the entire metro Detroit community. MOTOR CITY LOANS -
- [Your deposits are safe with WWFCU](https://wwfcu.org/your-deposits-are-safe-with-wwfcu/) - I’m sure you’ve all been following closely the closure of Silicon Valley Bank, SVB, in California and Signature Bank, out of New York. It’s understandable that these closures cause feelings of uncertainty regarding the financial sector, but most importantly, regarding your finances and the money you’ve worked so hard for. The Board of Directors and
- [Understanding Your Credit Score](https://wwfcu.org/understanding-your-credit-score-3/) - What is a credit score? Credit Scores are a number given to express your creditworthiness and how you’ve managed credit and debt. Understanding how they work can help you improve your credit history, qualify for lower interest rates and more. To better understand your credit score here are a few things you need to know.
- [5 Tips for Improving Your Credit Score](https://wwfcu.org/5-tips-for-improving-your-credit-score/) - It's not uncommon to feel nervous or even a little apprehensive when applying for credit. Most of us agree that it’s not an easy topic to talk about, but did you know that 37% of us have a credit score of 700 or lower? That’s over one-third of consumers! If you happen to fall into

## Pages

- [Homepage](https://wwfcu.org/) - Since 1954, our credit union has provided financial services to communities in Wayne, Westland, and now metro Detroit. From car loans to mortgages, learn more.
- [Visa Credit Card Agreement](https://wwfcu.org/visa-credit-card-agreement/) - Find our Visa Rewards Credit Card Agreement.
- [Visa Rewards Preferred Credit Card Agreement](https://wwfcu.org/visa-rewards-preferred-credit-card-agreement/) - Find our Visa Rewards Preferred Credit Card Agreement.
- [Visa Rewards Plus Credit Card Agreement](https://wwfcu.org/visa-rewards-plus-credit-card-agreement/) - Find our Visa Rewards Plus Credit Card Agreement.
- [Visa Rewards Credit Card Agreement](https://wwfcu.org/visa-rewards-credit-card-agreement/) - Find our Visa Rewards Credit Card Agreement.
- [Contact Us](https://wwfcu.org/contact/) - Contact Wayne Westland Federal Credit Union to learn more about their member services, or to notify the credit union of lost or stolen Visa, MasterCard, or ATM cards.
- [Site Map](https://wwfcu.org/site-map/) - About WWFCUAboutCareersCertified CDFIHistoryJoin WWFCUShared Branch / ID Check CheckingBusiness CheckingCard ManagementChecking AccountsDebit / ATM CardsDirect DepositEMV 3D SecureOverdraft ProtectionYouth Checking SavingsBusiness SavingsCertificatesCompare Savings AccountsInvestmentsIRAsMoney Market AccountsYouth Savings Programs Online ServicesAutomatic Loan PaymentsDownload Our AppE-StatementsMobile BankingOnline BankingOnline Bill PayRemote Deposit CaptureTelephone Banking LoansAuto LoanBusiness LoansDebt ProtectionFinancial Protection ProductsFirst Chance Finance LoanGAP Plus with Deductible AssistanceInstacash LoanLease
- [Loan Extension Form](https://wwfcu.org/loan-extension-form/) - Having a hard time making ends meet? Skip up to three loan payments, which will then be added to the end of your loan term, with our loan extension program.
- [Annual Meeting 2025](https://wwfcu.org/annualmeeting2025/)
- [Terms of Use](https://wwfcu.org/terms-of-use/) - Learn more about our terms and conditions.
- [Privacy Policy](https://wwfcu.org/privacy-policy/) - Learn more about our privacy policy.
- [Balancing Your Checkbook](https://wwfcu.org/balancing-your-checkbook/) - Learn more about our new system that makes balancing your checkbook fast and easy.

## Services

- [Debt Protection](https://wwfcu.org/debt-protection/) - Debt Protection may help reduce or cancel eligible loan payments or balances during covered life events, providing added financial peace of mind.
- [Mechanical Repair Coverage](https://wwfcu.org/mechanical-repair-coverage/) - Help protect yourself from unexpected vehicle repair costs with Mechanical Repair Coverage and valuable roadside assistance benefits.
- [GAP Plus with Deductible Assistance](https://wwfcu.org/gap-plus/) - Protect yourself from the difference between your insurance settlement and loan balance after a total loss with GAP Plus and Deductible Assistance.
- [Financial Protection Products](https://wwfcu.org/financialprotection/) - Protect your vehicle and your finances with GAP Plus, Mechanical Repair Coverage, and Debt Protection. Explore coverage options designed to provide peace of mind and financial security when the unexpected happens.
- [Rates](https://wwfcu.org/resources/rates/) - Learn more about current auto, home equity and signature loan rates, dividend rates, and IRA rates at Wayne Westland Federal Credit Union.
- [Home Equity Loans](https://wwfcu.org/home-loans/home-equity-loans/) - If you're interested in getting a home equity loan, our credit union serving communities in Wayne, Westland and the surrounding metro Detroit areas can help.
- [Promos](https://wwfcu.org/exclusive-benefits/promos/) - Learn more about the loan specials & other exclusive member benefits currently offered at Wayne Westland Federal Credit Union. Apply online for a loan today.
- [Visa Rewards Card](https://wwfcu.org/visa-cards/visa-rewards-card/) - Apply today for a Visa credit card. Our credit union, serving communities in Wayne, Westland & surrounding metro Detroit areas, can help even if you have bad credit.
- [Fee Schedule](https://wwfcu.org/fee-schedule/) - Learn more about current auto, home equity and signature loan rates, dividend rates, and IRA rates at Wayne Westland Federal Credit Union.
- [Student Loans](https://wwfcu.org/loans/student-loans/) - Our credit union, serving the Metroit Detroit, Wayne County & surrounding areas, makes it easier to apply for a student loan. Visit our branch in Westland, MI to learn more.
- [Business Loans](https://wwfcu.org/loans/business-loans/) - Need a business loan to help your small business grow? Our credit union serving the Wayne, Westland & surrounding metro Detroit areas offers low rates & benefits.
- [Personal Loan](https://wwfcu.org/loans/personal-loan/) - Looking for low rates on a personal loan? Our credit union serving the Wayne, Westland & surrounding metro Detroit areas can help! Call to learn more about our services.
- [Auto Loan](https://wwfcu.org/loans/vehicle-loan/) - Need a car loan in Wayne, Westland or the surrounding metro Detroit areas? Our credit union auto loans offer low rates & flexible terms. Contact us to learn more.
- [Mortgages](https://wwfcu.org/home-loans/mortgages/) - Looking to buy a home and interested in getting a home loan from a credit union serving the Wayne, Westland & surrounding metro Detroit areas? Contact us today!
- [Remote Deposit Capture](https://wwfcu.org/online-services/remote-deposit-capture/) - Find answers to commonly asked questions about our remote deposit services.
- [FREE ID Theft Protection](https://wwfcu.org/exclusive-benefits/free-id-theft-protection/) - Worrying and recovering from identity fraud isn't only stressful, it can be expensive and time consuming. WWFCU wants to help take some of that stress out of your life.
- [Visa Buyers Bucks](https://wwfcu.org/visa-cards/visa-buyers-bucks/) - If you use your WWFCU Visa Rewards Preferred, Visa Rewards Plus, Visa Rewards or Visa One credit card, you can earn Buyers Bucks every time you shop!
- [Instacash Loan](https://wwfcu.org/loans/instacash-loan/) - Whether you need a small loan for a car or home repair, a vacation, an emergency, or anything in between, contact our credit union about an InstaCash Loan.
- [Loan Payments](https://wwfcu.org/resources/loan-payments/) - WWFCU members can make their loan payments online or in our credit union branch located in Westland, MI, on the phone or online.
- [Services](https://wwfcu.org/resources/other-services/) - WWFCU provides several other member services beyond standard financial services, including mail deposits, money orders, wire transfer services, and more.
- [Download Our App](https://wwfcu.org/online-services/download-our-app/) - Our Mobile Banking app gives you quick access to the online banking tasks that are important to you.
- [Online Bill Pay](https://wwfcu.org/online-services/online-bill-pay/) - WWFCU’s Online Bill Pay gives you a more secure and affordable way to handle your bills compared to paying them in more traditional ways.
- [30,000+ Fee Free ATMs](https://wwfcu.org/exclusive-benefits/30000-fee-free-atms/) - Our members have unlimited access to over 30,000 surcharge-free ATMs through the CO-OP Network in the U.S. and Canada, as well as over 5,000 Shared Branches.
- [Financial Wellness](https://wwfcu.org/exclusive-benefits/financial-wellness/) - Wayne Westland Federal Credit Union has teamed up with GreenPath to provide financial education and counseling as one of the credit union's newest member benefits.
- [Loan Calculator](https://wwfcu.org/resources/loan-calculator/) - Easily use our loan calculator to estimate how much your payments will be. To learn more, visit our credit union in Westland, MI today!
- [History](https://wwfcu.org/about-wwfcu/history/) - Since 1952, when WWFCU began as the Kaiser Frasier Employees Credit Union in Willow Run, Michigan, the credit union has grown to over 11,000 members.
- [Join WWFCU](https://wwfcu.org/about-wwfcu/membership/) - Thinking about becoming a member? If you live or work in the cities of Wayne or Westland, Michigan, you are eligible for membership at WWFCU.
- [E-Statements](https://wwfcu.org/online-services/e-statements/) - Find answers to commonly asked questions about our E-Statements.
- [Mobile Banking](https://wwfcu.org/online-services/mobile-banking/) - Learn more about the credit union mobile banking that we offer to customers in Wayne, Westland & surrounding metro Detroit areas. Pay bills online & check your balance from anywhere.
- [Online Banking](https://wwfcu.org/online-services/online-banking/) - Learn more about the credit union mobile banking that we offer to customers in Wayne, Westland & surrounding metro Detroit areas. Pay bills online & check your balance from anywhere.
- [Share Pledge Loans](https://wwfcu.org/loans/share-pledge-loans/) - WWFCU currently has a Share Pledge Loan, where you use your savings as loan collateral for an extremely low interest rate. Visit our credit union in MI today.
- [Shared Branch / ID Check](https://wwfcu.org/about-wwfcu/shared-branch-id-check/) - If you’re not a WWFCU member but are in the neighborhood, you can stop in and see a teller for many transactions – as if you were at your own credit union.
- [Fraud & Security](https://wwfcu.org/resources/fraud-security/) - Learn more about the fraud & security services we offer. Visit our credit union location in Westland, MI to for more information.
- [Other Loans](https://wwfcu.org/loans/other-loans/) - Everyone has their own loan needs, and our credit union serving Wayne, Metro Detroit & surrounding areas has a wide range of lending opportunities. Contact us to learn more.
- [First Chance Finance Loan](https://wwfcu.org/loans/first-chance-finance-loan/) - WWFCU offers a First Chance Finance Loan to young adults so they may start building a solid payment history. Visit our credit union in Westland, MI to learn more.
- [Lease Buyout Loan](https://wwfcu.org/loans/lease-buyout-loan/) - Looking for a lease buyout loan in Wayne, Westland or Metro Detroit? Visit our credit union branch to apply for a loan & to learn more about our rates.
- [Debit / ATM Cards](https://wwfcu.org/checking/debit-atm-cards/) - Easily sign up for an ATM & debit card at our credit union that serves the Wayne County, Westland & Metro Detroit areas. Visit our branch to learn more.
- [Refer A Friend](https://wwfcu.org/resources/refer-a-friend/) - WWFCU refer a friend program is designed to benefit both our member and their referral. Refer a friend for membership or for a loan today.
- [Certified CDFI](https://wwfcu.org/about-wwfcu/certified-cdfi/) - We're proud to say that Wayne Westland Federal Credit Union has received the prestigious designation of a Certified Community Development Financial Institution (CDFI).
- [Service Center Locations](https://wwfcu.org/resources/service-center-locations/) - Thanks to Shared Branching, our credit union members can perform most credit union-related transactions at over 5,000 locations in the U.S. and Canada.
- [About](https://wwfcu.org/about-wwfcu/about/) - Learn more about Wayne Westland Federal Credit Union, a community chartered federal credit union based in Westland, Michigan
- [Add A Trusted Contact](https://wwfcu.org/resources/add-a-trusted-contact/) - Choosing a trusted contact can help you prevent fraud and scams without giving up control of your finances.
- [Careers](https://wwfcu.org/about-wwfcu/careers/) - We're always looking for new faces to join the Wayne Westland Federal Credit Union family! If you're interested in working with us, apply today.
- [Trust & Will](https://wwfcu.org/exclusive-benefits/trust-will/) - Our credit union has partnered with Trust & Will to provide members with an easy and affordable way to create an estate plan online.
- [Disclosures](https://wwfcu.org/resources/disclosures/) - Account Terms & Conditions
- [Checking Accounts](https://wwfcu.org/checking/checking-accounts/) - Learn more about the credit union personal checking account options we offer to those living in the Wayne, Westland and surrounding metro Detroit areas.
- [Automatic Loan Payments](https://wwfcu.org/online-services/automatic-loan-payments/) - Take the stress out of paying bills and sign up for automatic loan payments with WWFCU.
- [IRAs](https://wwfcu.org/savings/investments/iras/) - Make an IRA part of your financial plan! Our credit union in Westland, MI can help build your retirement savings by opening the IRA that is best for you.
- [Money Market Accounts](https://wwfcu.org/savings/investments/money-market-accounts/) - A Money Market Account is a great alternative to stocks and share certificates. To learn more, visit our credit union location in Westland, MI.
- [Card Management](https://wwfcu.org/checking/card-management/) - Manage your WWFCU debit and credit cards through online/mobile banking. To learn more, visit our credit union branch in Westland, MI.
- [All Other Loan Types](https://wwfcu.org/resources/all-other-loan-types/) - WWFCU has such a wide range of lending opportunities for its members. Visit our credit union in Westland, MI to learn more about our loan options.
- [Youth Checking](https://wwfcu.org/checking/youth-checking/) - Interested in opening a youth checking account in Wayne, Westland or the Metro Detroit area? Visit our credit union today and become a member.
- [Business Checking](https://wwfcu.org/checking/business-checking/) - WWFCU offers business checking for businesses in Wayne, Westland and the surrounding metro Detroit areas. Learn more about our business accounts.
- [Direct Deposit](https://wwfcu.org/checking/direct-deposit/) - Learn more about the direct deposit services we offer at our credit union that services the Wayne County, Westland and Metro Detroit areas.
- [Overdraft Protection](https://wwfcu.org/checking/overdraft-protection/) - Our credit union in Westland, MI has several overdraft protection plans to help prevent overdrawing on your account and steer clear of any overdraft fees.
- [EMV 3D Secure](https://wwfcu.org/checking/emv-3d-secure/) - We've added a new layer of security to our credit and debit cards, especially useful for cardholders shopping online. Visit our credit union to learn more.
- [Compare Savings Accounts](https://wwfcu.org/savings/compare-accounts/) - Learn more about the different types of savings accounts our credit union offers. If you live in Wayne, Westland or Metro Detroit, open an account today!
- [Business Savings](https://wwfcu.org/savings/business-savings/) - If your small business in Wayne, Westland or the surrounding metro Detroit areas needs a more flexible business savings account, our credit union can help!
- [Youth Savings Programs](https://wwfcu.org/savings/youth-savings-programs/) - Our credit union in Westland, MI offers a Youth Savings Program that not only teaches children how important it is to save their money, but we also make it fun!
- [Investments](https://wwfcu.org/savings/investments/) - If you're looking to invest in IRAs, money market accounts & certificates, visit our credit union that serves members in Wayne, Westland & Metro Detroit.
- [Certificates](https://wwfcu.org/savings/investments/certificates/) - If you're looking to return to a positive savings rate, consider the benefits of a certificate. To learn more, visit our credit union in Westland, MI.
- [Website Accessibility](https://wwfcu.org/resources/website-accessibility/) - Website accessibility for Wayne Westland Federal Credit Union.
- [Telephone Banking](https://wwfcu.org/online-services/telephone-banking/) - iTalk is a next generation phone banking system that offers interactive voice response, voice recognition, easy-to-use menus and access to an array of banking services.

## Categories

- [Financial Wellness](https://wwfcu.org/category/financial-wellness/)
- [Auto Loan](https://wwfcu.org/category/auto-loan/)
- [Loans](https://wwfcu.org/category/loans/)
- [Business](https://wwfcu.org/category/business/)
- [Credit Unions](https://wwfcu.org/category/credit-unions-2/)
- [Tips](https://wwfcu.org/category/tips/)
- [Taxes](https://wwfcu.org/category/taxes-2/)
- [Home Loans](https://wwfcu.org/category/home-loans/)
- [Investments](https://wwfcu.org/category/investments/)
- [Home Banking](https://wwfcu.org/category/home-banking/)
- [Savings](https://wwfcu.org/category/savings/)
- [Insurance](https://wwfcu.org/category/insurance/)
- [Direct Deposit](https://wwfcu.org/category/direct-deposit/)
- [Promotions](https://wwfcu.org/category/promotions/)
- [Fraud Protection](https://wwfcu.org/category/fraud-protection/)
- [Checking Account](https://wwfcu.org/category/checking-account/)
- [Credit Cards](https://wwfcu.org/category/credit-cards/)
- [CD](https://wwfcu.org/category/cd/)
- [Youth Accounts](https://wwfcu.org/category/youth-accounts/)
- [Debit Card](https://wwfcu.org/category/debit-card/)
- [Rates](https://wwfcu.org/category/rates/)

## Tags

- [Business](https://wwfcu.org/tag/business/)
- [bankruptcy](https://wwfcu.org/tag/bankruptcy/)
- [budgeting](https://wwfcu.org/tag/budgeting/)
- [credit union](https://wwfcu.org/tag/credit-union/)
- [financial guidance](https://wwfcu.org/tag/financial-guidance-2/)
- [money management](https://wwfcu.org/tag/money-management-2/)
- [student loan](https://wwfcu.org/tag/student-loan/)
- [car loans](https://wwfcu.org/tag/car-loans-2/)
- [car loans in westland michigan](https://wwfcu.org/tag/car-loans-in-westland-michigan/)
- [car loans westland](https://wwfcu.org/tag/car-loans-westland/)
- [westland car loans](https://wwfcu.org/tag/westland-car-loans/)
- [home equity loans](https://wwfcu.org/tag/home-equity-loans-2/)
- [westland home equity loans](https://wwfcu.org/tag/westland-home-equity-loans/)
- [westland michigan home equity home loans](https://wwfcu.org/tag/westland-michigan-home-equity-home-loans/)
- [credit union share loan](https://wwfcu.org/tag/credit-union-share-loan/)
- [share secure loan](https://wwfcu.org/tag/share-secure-loan/)
- [share secured loan](https://wwfcu.org/tag/share-secured-loan/)
- [share secured loan credit unions](https://wwfcu.org/tag/share-secured-loan-credit-unions/)
- [auto loan](https://wwfcu.org/tag/auto-loan/)
- [auto loans](https://wwfcu.org/tag/auto-loans/)
- [credit union auto loan](https://wwfcu.org/tag/credit-union-auto-loan/)
- [credit union auto loans](https://wwfcu.org/tag/credit-union-auto-loans/)
- [best used car loan](https://wwfcu.org/tag/best-used-car-loan/)
- [best used car loans](https://wwfcu.org/tag/best-used-car-loans/)
- [used car bank loan](https://wwfcu.org/tag/used-car-bank-loan/)
- [used car loan](https://wwfcu.org/tag/used-car-loan/)
- [used car loans](https://wwfcu.org/tag/used-car-loans/)
- [best rv loan](https://wwfcu.org/tag/best-rv-loan/)
- [best rv loans](https://wwfcu.org/tag/best-rv-loans/)
- [get rv loan](https://wwfcu.org/tag/get-rv-loan/)
- [rv loan](https://wwfcu.org/tag/rv-loan/)
- [rv loans](https://wwfcu.org/tag/rv-loans-2/)
- [banks](https://wwfcu.org/tag/banks/)
- [credit unions](https://wwfcu.org/tag/credit-unions/)
- [credit unions vs banks](https://wwfcu.org/tag/credit-unions-vs-banks/)
- [wayne banks](https://wwfcu.org/tag/wayne-banks/)
- [westland banks](https://wwfcu.org/tag/westland-banks/)
- [credit union members](https://wwfcu.org/tag/credit-union-members/)
- [mobile banking](https://wwfcu.org/tag/mobile-banking-2/)
- [mobile banking advantages](https://wwfcu.org/tag/mobile-banking-advantages/)
- [credit reports](https://wwfcu.org/tag/credit-reports/)
- [credit score](https://wwfcu.org/tag/credit-score/)
- [credit score tips](https://wwfcu.org/tag/credit-score-tips/)
- [understanding credit reports](https://wwfcu.org/tag/understanding-credit-reports/)
- [understanding credit score](https://wwfcu.org/tag/understanding-credit-score/)
- [understanding your credit score](https://wwfcu.org/tag/understanding-your-credit-score/)
- [loan refinance](https://wwfcu.org/tag/loan-refinance/)
- [loan refinance westland](https://wwfcu.org/tag/loan-refinance-westland/)
- [loan refinancing](https://wwfcu.org/tag/loan-refinancing/)
- [westland loan refinance](https://wwfcu.org/tag/westland-loan-refinance/)
- [mobile banking applications](https://wwfcu.org/tag/mobile-banking-applications/)
- [mobile banking apps](https://wwfcu.org/tag/mobile-banking-apps/)
- [mobile banking apps westland](https://wwfcu.org/tag/mobile-banking-apps-westland/)
- [westland mobile banking apps](https://wwfcu.org/tag/westland-mobile-banking-apps/)
- [banking online](https://wwfcu.org/tag/banking-online/)
- [online banking](https://wwfcu.org/tag/online-banking-2/)
- [online banking michigan](https://wwfcu.org/tag/online-banking-michigan/)
- [wayne online banking](https://wwfcu.org/tag/wayne-online-banking/)
- [westland online banking](https://wwfcu.org/tag/westland-online-banking/)
- [CD's](https://wwfcu.org/tag/cds/)
- [CD's Michigan](https://wwfcu.org/tag/cds-michigan/)
- [CD's wayne](https://wwfcu.org/tag/cds-wayne/)
- [CD's westland](https://wwfcu.org/tag/cds-westland/)
- [certificate of deposits](https://wwfcu.org/tag/certificate-of-deposits/)
- [build savings](https://wwfcu.org/tag/build-savings/)
- [debt reduction](https://wwfcu.org/tag/debt-reduction/)
- [Financial Counseling](https://wwfcu.org/tag/financial-counseling/)
- [401k rollovers](https://wwfcu.org/tag/401k-rollovers/)
- [ira](https://wwfcu.org/tag/ira/)
- [ira investments](https://wwfcu.org/tag/ira-investments/)
- [ira rollover](https://wwfcu.org/tag/ira-rollover/)
- [money market](https://wwfcu.org/tag/money-market/)
- [money markets](https://wwfcu.org/tag/money-markets/)
- [money markets wayne](https://wwfcu.org/tag/money-markets-wayne/)
- [money markets westland](https://wwfcu.org/tag/money-markets-westland/)
- [wayne money markets](https://wwfcu.org/tag/wayne-money-markets/)
- [westland money markets](https://wwfcu.org/tag/westland-money-markets/)
- [planning retirement](https://wwfcu.org/tag/planning-retirement/)
- [retirement planning](https://wwfcu.org/tag/retirement-planning/)
- [wayne retirement planning](https://wwfcu.org/tag/wayne-retirement-planning/)
- [westland retirement planning](https://wwfcu.org/tag/westland-retirement-planning/)
- [AAA Auto Insurance](https://wwfcu.org/tag/aaa-auto-insurance/)
- [auto insurance](https://wwfcu.org/tag/auto-insurance/)
- [car insurance](https://wwfcu.org/tag/car-insurance/)
- [wayne auto insurance](https://wwfcu.org/tag/wayne-auto-insurance/)
- [wayne care insurance](https://wwfcu.org/tag/wayne-care-insurance/)
- [westland auto insurance](https://wwfcu.org/tag/westland-auto-insurance/)
- [westland car insurance](https://wwfcu.org/tag/westland-car-insurance/)
- [aaa home owners insurance](https://wwfcu.org/tag/aaa-home-owners-insurance/)
- [home insurance aaa](https://wwfcu.org/tag/home-insurance-aaa/)
- [wayne aaa home owners insurance](https://wwfcu.org/tag/wayne-aaa-home-owners-insurance/)
- [westland aaa home owners insurance](https://wwfcu.org/tag/westland-aaa-home-owners-insurance/)
- [atm](https://wwfcu.org/tag/atm/)
- [atm wayne](https://wwfcu.org/tag/atm-wayne/)
- [atm westland](https://wwfcu.org/tag/atm-westland/)
- [atm's wayne](https://wwfcu.org/tag/atms-wayne/)
- [atm's westland](https://wwfcu.org/tag/atms-westland/)
- [credit unions in michigan](https://wwfcu.org/tag/credit-unions-in-michigan/)
- [michigan credit union](https://wwfcu.org/tag/michigan-credit-union/)
- [michigan credit unions](https://wwfcu.org/tag/michigan-credit-unions/)
- [consolidation loans](https://wwfcu.org/tag/consolidation-loans-2/)
- [credit union consolidation loan](https://wwfcu.org/tag/credit-union-consolidation-loan/)
- [wayne consolidation loans](https://wwfcu.org/tag/wayne-consolidation-loans/)
- [westland consolidation loans](https://wwfcu.org/tag/westland-consolidation-loans/)
- [credit union michigan](https://wwfcu.org/tag/credit-union-michigan/)
- [credit unions michigan](https://wwfcu.org/tag/credit-unions-michigan/)
- [used auto loans](https://wwfcu.org/tag/used-auto-loans/)
- [used vehicle loans](https://wwfcu.org/tag/used-vehicle-loans/)
- [westland used auto loans](https://wwfcu.org/tag/westland-used-auto-loans/)
- [westland used car loans](https://wwfcu.org/tag/westland-used-car-loans/)
- [westland used vehicle loans](https://wwfcu.org/tag/westland-used-vehicle-loans/)
- [low payment loans](https://wwfcu.org/tag/low-payment-loans/)
- [lower monthly payment loans](https://wwfcu.org/tag/lower-monthly-payment-loans/)
- [lower monthly payment loans westland](https://wwfcu.org/tag/lower-monthly-payment-loans-westland/)
- [lower payment loans](https://wwfcu.org/tag/lower-payment-loans/)
- [lower payment loans westland](https://wwfcu.org/tag/lower-payment-loans-westland/)
- [Identity Theft](https://wwfcu.org/tag/identity-theft/)
- [financially orgainized](https://wwfcu.org/tag/financially-orgainized/)
- [Youth Money Management](https://wwfcu.org/tag/youth-money-management/)
- [Credit Counselor](https://wwfcu.org/tag/credit-counselor/)
- [debt danger signs](https://wwfcu.org/tag/debt-danger-signs/)
- [layoff](https://wwfcu.org/tag/layoff/)
- [direct deposit](https://wwfcu.org/tag/direct-deposit-2/)
- [e-statements](https://wwfcu.org/tag/e-statements/)
- [save on taxes](https://wwfcu.org/tag/save-on-taxes/)
- [tax refund](https://wwfcu.org/tag/tax-refund/)
- [turbo tax](https://wwfcu.org/tag/turbo-tax/)
- [loan transfer](https://wwfcu.org/tag/loan-transfer/)
- [loans transfer](https://wwfcu.org/tag/loans-transfer/)
- [transfer loan](https://wwfcu.org/tag/transfer-loan/)
- [transfer loans](https://wwfcu.org/tag/transfer-loans/)
- [share pledge loan](https://wwfcu.org/tag/share-pledge-loan/)
- [share pledge loans](https://wwfcu.org/tag/share-pledge-loans/)
- [go green](https://wwfcu.org/tag/go-green/)
- [electronic online statements](https://wwfcu.org/tag/electronic-online-statements/)
- [electronic statements](https://wwfcu.org/tag/electronic-statements/)
- [ID Theft](https://wwfcu.org/tag/id-theft/)
- [SMS Scams](https://wwfcu.org/tag/sms-scams/)
- [Text Messaging Scams](https://wwfcu.org/tag/text-messaging-scams/)
- [Checking](https://wwfcu.org/tag/checking/)
- [Checking Accounts](https://wwfcu.org/tag/checking-accounts/)
- [email alerts](https://wwfcu.org/tag/email-alerts/)
- [home banking](https://wwfcu.org/tag/home-banking-2/)
- [savings](https://wwfcu.org/tag/savings-2/)
- [online bill pay](https://wwfcu.org/tag/online-bill-pay/)
- [online bill payment](https://wwfcu.org/tag/online-bill-payment/)
- [online bill payment system](https://wwfcu.org/tag/online-bill-payment-system/)
- [paying bills online](https://wwfcu.org/tag/paying-bills-online/)
- [sprint](https://wwfcu.org/tag/sprint/)
- [sprint services](https://wwfcu.org/tag/sprint-services/)
- [sprint stores](https://wwfcu.org/tag/sprint-stores/)
- [sprint wireless services](https://wwfcu.org/tag/sprint-wireless-services/)
- [sprint's unlimited data plan](https://wwfcu.org/tag/sprints-unlimited-data-plan/)
- [money management for youth](https://wwfcu.org/tag/money-management-for-youth/)
- [youth member](https://wwfcu.org/tag/youth-member/)
- [youth member promotions](https://wwfcu.org/tag/youth-member-promotions/)
- [youth members](https://wwfcu.org/tag/youth-members/)
- [youth savings account](https://wwfcu.org/tag/youth-savings-account/)
- [credit union branch](https://wwfcu.org/tag/credit-union-branch/)
- [shared branching](https://wwfcu.org/tag/shared-branching/)
- [branch locator apps](https://wwfcu.org/tag/branch-locator-apps/)
- [shared branch](https://wwfcu.org/tag/shared-branch/)
- [shared branch network](https://wwfcu.org/tag/shared-branch-network/)
- [low auto loans](https://wwfcu.org/tag/low-auto-loans/)
- [low car loans](https://wwfcu.org/tag/low-car-loans/)
- [car loans rebates](https://wwfcu.org/tag/car-loans-rebates/)
- [rebate](https://wwfcu.org/tag/rebate/)
- [rebates](https://wwfcu.org/tag/rebates/)
- [vehicle loans](https://wwfcu.org/tag/vehicle-loans/)
- [budget](https://wwfcu.org/tag/budget/)
- [personal money management](https://wwfcu.org/tag/personal-money-management/)
- [protect your identity](https://wwfcu.org/tag/protect-your-identity/)
- [protecting your identity](https://wwfcu.org/tag/protecting-your-identity/)
- [income tax](https://wwfcu.org/tag/income-tax/)
- [income tax return](https://wwfcu.org/tag/income-tax-return/)
- [income taxes](https://wwfcu.org/tag/income-taxes/)
- [IRS](https://wwfcu.org/tag/irs/)
- [tax](https://wwfcu.org/tag/tax/)
- [tax law](https://wwfcu.org/tag/tax-law/)
- [taxes](https://wwfcu.org/tag/taxes/)
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- [Amazon](https://wwfcu.org/tag/amazon/)
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- [savings account](https://wwfcu.org/tag/savings-account/)
- [vacation saving account](https://wwfcu.org/tag/vacation-saving-account/)
- [credit limit](https://wwfcu.org/tag/credit-limit/)
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- [20% myth](https://wwfcu.org/tag/20-myth/)
- [buy house](https://wwfcu.org/tag/buy-house/)
- [down payment](https://wwfcu.org/tag/down-payment/)
- [extension](https://wwfcu.org/tag/extension/)
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- [debt consolidation](https://wwfcu.org/tag/debt-consolidation/)
- [home equity](https://wwfcu.org/tag/home-equity/)
- [Falcon Fraud](https://wwfcu.org/tag/falcon-fraud/)
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- [card transactions. card fraud](https://wwfcu.org/tag/card-transactions-card-fraud/)
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- [fight fraud](https://wwfcu.org/tag/fight-fraud/)
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- [drive-thru](https://wwfcu.org/tag/drive-thru/)
- [tellers](https://wwfcu.org/tag/tellers/)
- [tax preparer](https://wwfcu.org/tag/tax-preparer/)
- [home improvement](https://wwfcu.org/tag/home-improvement/)
- [home renovation](https://wwfcu.org/tag/home-renovation/)
- [house painting](https://wwfcu.org/tag/house-painting/)
- [new deck](https://wwfcu.org/tag/new-deck/)
- [new roof](https://wwfcu.org/tag/new-roof/)
- [replace siding](https://wwfcu.org/tag/replace-siding/)
- [replace windows](https://wwfcu.org/tag/replace-windows/)
- [update kitchen](https://wwfcu.org/tag/update-kitchen/)
- [deductible](https://wwfcu.org/tag/deductible/)
- [life insurance myths](https://wwfcu.org/tag/life-insurance-myths/)
- [cat](https://wwfcu.org/tag/cat/)
- [dog](https://wwfcu.org/tag/dog/)
- [pet tax breaks](https://wwfcu.org/tag/pet-tax-breaks/)
- [tax breaks](https://wwfcu.org/tag/tax-breaks/)
- [children saving](https://wwfcu.org/tag/children-saving/)
- [kids saving](https://wwfcu.org/tag/kids-saving/)
- [youth savings](https://wwfcu.org/tag/youth-savings/)
- [car financing](https://wwfcu.org/tag/car-financing/)
- [carfax](https://wwfcu.org/tag/carfax/)
- [new car loan](https://wwfcu.org/tag/new-car-loan/)
- [create budget](https://wwfcu.org/tag/create-budget/)
- [pay bills](https://wwfcu.org/tag/pay-bills/)
- [save for college](https://wwfcu.org/tag/save-for-college/)
- [save for retirement](https://wwfcu.org/tag/save-for-retirement/)
- [expenses](https://wwfcu.org/tag/expenses/)
- [interest rates](https://wwfcu.org/tag/interest-rates/)
- [piggy bank](https://wwfcu.org/tag/piggy-bank/)
- [lenders](https://wwfcu.org/tag/lenders/)
- [clients](https://wwfcu.org/tag/clients/)
- [customers](https://wwfcu.org/tag/customers/)
- [employees](https://wwfcu.org/tag/employees/)
- [small business](https://wwfcu.org/tag/small-business/)
- [college debt](https://wwfcu.org/tag/college-debt/)
- [college loan](https://wwfcu.org/tag/college-loan/)
- [financial independence](https://wwfcu.org/tag/financial-independence/)
- [retire](https://wwfcu.org/tag/retire/)
- [credit monitoring](https://wwfcu.org/tag/credit-monitoring/)
- [creditors](https://wwfcu.org/tag/creditors/)
- [buyer's agent](https://wwfcu.org/tag/buyers-agent/)
- [closing costs](https://wwfcu.org/tag/closing-costs/)
- [down payment. credit](https://wwfcu.org/tag/down-payment-credit/)
- [first-time homebuyer](https://wwfcu.org/tag/first-time-homebuyer/)
- [homebuyer](https://wwfcu.org/tag/homebuyer/)
- [homeowners' insurance](https://wwfcu.org/tag/homeowners-insurance/)
- [student credit card](https://wwfcu.org/tag/student-credit-card/)
- [credit score. build credit](https://wwfcu.org/tag/credit-score-build-credit/)
- [balance checkbook](https://wwfcu.org/tag/balance-checkbook/)
- [check register](https://wwfcu.org/tag/check-register/)
- [discover fraud](https://wwfcu.org/tag/discover-fraud/)
- [keep receipts](https://wwfcu.org/tag/keep-receipts/)
- [manage finances](https://wwfcu.org/tag/manage-finances/)
- [cash](https://wwfcu.org/tag/cash/)
- [control finances](https://wwfcu.org/tag/control-finances/)
- [envelope system](https://wwfcu.org/tag/envelope-system/)
- [CD](https://wwfcu.org/tag/cd/)
- [dividends](https://wwfcu.org/tag/dividends/)

## Portfolio Categories

- [Investing](https://wwfcu.org/portfolio-category/investing/)
- [Marketing](https://wwfcu.org/portfolio-category/marketing/)
- [Planning](https://wwfcu.org/portfolio-category/planning/)

## Service Categories

- [Loans](https://wwfcu.org/loans/)
- [Checking](https://wwfcu.org/checking/)
- [Savings](https://wwfcu.org/savings/)
- [Online Services](https://wwfcu.org/online-services/)
- [Home Loans](https://wwfcu.org/home-loans/)
- [Visa Credit Card](https://wwfcu.org/visa-cards/)
- [Exclusive Benefits](https://wwfcu.org/exclusive-benefits/)
- [Resources](https://wwfcu.org/resources/)
- [About WWFCU](https://wwfcu.org/about-wwfcu/)