Save

Save more, stress less

Saving plays an important role in reducing your financial stress and maintaining your financial slack. We’re here to support you so that you cannot only ensure your security in the future, but also ensure your stability now.

Savings come in all shapes and sizes. The key is to ensure you have sufficient liquid savings and a long term savings.

Liquid Savings

Liquid savings is all about using your savings when you need it. It is important to remember that you build a liquid savings for unexpected expenses or emergencies and it should be used and replenished as needed. When determining your liquid savings you should look at your monthly living expenses to determine how much you can save each month. The first step is to work towards establishing a savings goal that is comfortable for you. This number is based on how much slack you have to work with and everyone’s number is different.

From there, work towards getting around three months of living expenses saved. This will take time, but it is important to pay yourself first and make saving part of your spending plan. Setting up direct deposit and even depositing into a separate savings account can make reaching your savings goal easier.

We’re here for you with resources to support you while you save.

Share Savings

Credit Human membership begins with a simple account designed to get you saving. All it takes is a $5 deposit to get started.

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Money Market Savings

Step up to an insured deposit account that motivates saving with higher dividends as your balance grows.

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Liquid Share Certificate

Want to build savings with an easy, one-year commitment and more flexible access to your funds? Try a savings certificate designed to keep you liquid.

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Set Goals

We have financial health tools that are built into your mobile and online banking experience. You can set savings goals for big expenses like paying down debt or purchasing a home.

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Article: Creating a Spending Plan

Learn some extra tips on how to create a spending plan

Additional Resources

Knowledge and skills you can use to help you create and maintain financial slack

Setting Savings Goals

Reducing Expenses

Saving Strategies

Saving Priorities

Make A Savings Plan

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Saving for the Long Term

Saving for your long term goals like retirement may ensure your financial security for the future. You can also set other long term goals like buying a home, going on a big trip or buying an RV. In setting your long term goals, you know how much you need to achieve them and can determine how much you are able to save now to reach them. This will help you decide if you can look at other ways to reach those goals. Checking with your employer to see what they offer for retirement savings is a good place to start.

We’re here for you with resources to support you while you save.

Investment Center

Regardless of your stage of life, a sound financial plan today can be the key to creating opportunities for tomorrow. Our CUSO Financial Services, L.P.* Financial Advisors are here to support your financial journey, no matter what life brings.

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Money Market Savings

Step up to an insured deposit account that motivates saving with higher dividends as your balance grows.

Get Details

Share Certificate

Ready to work towards a savings goal? Consider a share certificate with flexible terms you choose.

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IRAs

Credit Human offers easy ways to put your money to work. We’ve got a range of savings certificates and IRAs designed to help you reach your long-term savings goals. We’re here to help you make smart moves with your money.

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Set Goals

We have financial health tools that are built into your mobile and online banking experience. You can set savings goals for big expenses like paying down debt or purchasing a home.

Get Started

Article: Tapping into your retirement savings

Learn what to consider before tapping into your retirement, including some other options.

Webinar: The CARES Act and Retirement Accounts

Join Chip Lutz, our CUSO Financial Services, L.P.* Financial Advisor, as he explains the impacts of tapping into your retirement early and what you need to know about the CARES Act

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Additional Resources

Knowledge and skills you can use to help you create and maintain financial slack

Make A Savings Plan

End-of-Life Expenses

When to Start Saving

Choose a Retirement Plan

Costs of College

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Saving isn’t the only thing to consider when thinking about your financial slack. Explore more in the areas of plan, spend and borrow below.

Plan

Planning ahead and getting insured are key factors in creating and maintaining financial slack.

Spend

Paying bills on time and spending less than you earn are the foundation for creating financial slack.

Borrow

Building credit and managing debt ensure our ability to create and maintain financial slack.

*Non-deposit Investment products and services offered through CUSO Financial Services, L.P. (Member FINRA/SIPC)

Tools for Saving

Knowledge and skills you can use to help you create and maintain financial slack.

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Building Slack

Read our blog to learn concepts and skills that can help you build and maintain financial slack.

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