Learn more about the tools below that will help you become Financially Empowered!
A powerful process for thinking through short and long-term financial futures and finding ways to turn dreams into reality, setting goals helps you:
Click here to access our Goal Setting Tool.
When you save for unexpected expenses, emergencies and goals, you are prepared for any financial hurdle that life throws your way.
Check out our Savings Plan Tool, here.
Whether your income is regular and schedule, or irregular and unpredictable, we can help you get a handle on the influx of funds that come into your household.
Check out our Income & Financial Resource Tracker and our Strategies for Increasing Cash Flow.
Identify your bills and expenses you are able to live without, and those that you need to survive.
Check out our Spending Tracker, Bill Calendar and our Strategies for Cutting Expenses.
When it comes to money, timing matters. Manage your cash flow with a budget that helps identify when you fall short each month, and ensures that you have the financial resources to cover bills and save.
Get started with our Quick Budget and Cash Flow Planning tools. Be sure to review our Improving Cash Flow Checklist.
When you owe someone money, you’re liable for paying the debt back and most of the time in the form of scheduled payments. Often you use money from your future income to make those payments. While borrowing money may give you access to something today, you may have monthly payments for months or years going forward. This obligation may decrease your financial planning options in the future.
Credit is the ability to borrow money in turn debt results from using credit. You can have credit without having debt. For example, you may have a credit card but no outstanding balance on it.
Understanding your debt and financial planning can help you take control of your future. Use our tools below to better manage debt and be financially empowered!
Check out our Debt Payoff Worksheet and Debt-to-Income Calculator.
You may think credit reports and scores don’t matter if you never want to borrow money, but you may not know that many people and businesses use these reports and scores to make decisions about you.
Having a positive credit history and good credit scores can open doors for you. Remember, you can always access your full, free credit report through Online Banking.
Take the time to make sure the information in your report is accurate - Check out Financial Empowerment tools below.
While ACU of Texas has a wide variety of products and services to meet your everyday needs, most people aren't aware how these products and services can save you time and money.
Ask about how you can save time and money with:
No waiting for your money, and no paper check to get lost in the mail. You’ll get paid as soon as the money is available. Stop waiting and start getting paid early!
Your membership in Benefits Plus® will reap rewards quickly, as you begin to save money on purchases for travel, groceries, restaurants, movies, prescriptions and much more.