Learn
Helpful resources to help you master your money.
GreenPath counselors are available:
- Monday through Thursday 7:00 a.m. – 9:00 p.m. (CST)
- Friday 7:00 a.m. – 6:00 p.m.
- Saturday from 8:00 a.m. – 5:00 p.m.
To use this service, simply call 1-877-337-3399 toll-free or visit GreenPath’s website.
*Spanish-speaking counselors and website available!
Your Path to a Bright Financial Future Begins Here…
Wakota Federal Credit Union has proudly partnered with GreenPath Financial Wellness, to bring you free access to money management and financial education services. GreenPath is a non-profit company that has been assisting individuals for more than 50 years achieve financial goals. GreenPath can give personalized answers to your individual needs; for issues ranging from a proactive savings plan to saving a home from foreclosure, advice is only a phone call away.
As a member of WFCU you can receive assistance with:
- Personal and family budgeting: During an appointment, a GreenPath counselor will thoroughly review your current financial situation and develop a comprehensive budget and action plan. GreenPath’s counselors will also teach money management skills, including ideas to increase income and ways to reduce expenses.
- Understanding your credit report and how to improve your score: A credit report review helps you evaluate your credit report, learn how to dispute inaccurate information, and understand all aspects of credit scoring.
- Money Management
- Debt Repayment:If you’re having difficulty paying bills or staying current on credit cards, a GreenPath counselor will help prioritize your payments, negotiate payment discounts, and set up payment schedules with creditors. There is a fee for a Debt Management Plan (DMP) and the counselor will thoroughly explain all options and applicable fees.
- Housing Counseling: GreenPath is approved by the U.S. Department of Housing and Urban Development (HUD) to provide housing counseling services. GreenPath counselors educate first time homebuyers, provide reverse mortgage and home equity loan counseling, and counsel consumers on foreclosure prevention.
- Avoiding bankruptcy, foreclosure and repossession
Credit Score Course
Budgeting Basics Course
Home Buying Course
Car Buying Course
Loan Calculator
Use the calculator below to decide which loan option best suits your purposes. Please use all calculations as a guideline only. Actual principal amount or payment amount may vary. Call the credit union for details.
*Not a guarantee of credit
Loan Calculator
Share Insurance Estimator
This insurance is provided by the National Credit Union Administration (NCUA), an official U.S. Government agency.
To find out how much insurance coverage you have, use the free NCUA Share Insurance Calculator.
Need more?
Check out our partner, Servion, for additional calculators for pretty much anything. From retirement and investments to estate planning and lifestyle to taxes.
For Your Safety
Below are critical tips to prevent and respond to the theft of your personal financial information.Identity Theft and Online Scams
If you’re ever unsure about the validity of a financial request, here are some things to keep in mind:
Get It In Writing
Email, text, and phone scams are abound these days because there’s virtually no cost to send out thousands of electronic messages or automated phone calls.
Mailing letters is expensive and requires knowledge of your name and address — things most scammers don’t have. So if you’re unsure about a message, ask to “get it in writing.”
A Clear Head Is Your Best Defense
Most scammers play on your emotions with a urgent tone in their message. You wouldn’t normally release private financial data to a stranger, but when your account access is threatened or easy money is promised, people frequently fall prey and react before they think. Don’t be a victim; keep your cool!
– Never give private financial information out over the phone unless YOU initiate the phone call.
– NEVER give out your PIN number for any reason; hang up immediately if asked for this information.
– If you believe you have been a victim of a scam, immediately contact your credit union.
What to do if your Wallet is Missing
File a police report. This must be done in the jurisdiction where your things were stolen.
Call the three national credit reporting bureaus. They’ll red-flag your name and Social Security number. The bureaus to contact are:
Equifax: 1-800-525-6285
Experian: 1-888-397-3742
Trans Union: 1-800-680-7289.
If your social security number was stolen, contact the Social Security Administration fraud line at 1-800-269-0271.
Take Advantage of Free Credit Reports
Even if you have never been a victim of identity theft, you can still get one free annual copy of your credit report from the three major credit bureaus. To learn more, go to www.annualcreditreport.com or call toll free 877-322-8228.
Caution: Misspelling this site or using another site with similar words will take you to a site that will try to sell you something or collect your personal information. This is the only service that allows you access to free credit reports with no strings attached.
MyCreditUnion.gov
The website contains a broad range of financial tools and resources from the U.S. government to help you make wise money choices. Check out MyCreditUnion.gov today!
Lost or Stolen Card?
ATM or Debit Card Emergency: Call 1-800-535-8440
Visa Credit Card Emergency: Call 1-800-558-3424
Scholastic Learn at Home (PreK - Grade 9)
Day-by-day projects and activities to keep kids reading, thinking and growing!
My Money.Gov (Youth to Adults)
My Money.Gov, the Department of the Treasury prepared report highlighting the importance of financial literacy and education for all Americans and identifies ways to improve the delivery of financial education.
Practical Money Skills (Grades K-12)
Practical Money Skills
Grade Level K – 12, special needs
https://www.practicalmoneyskills.com/teach/lesson_plans
http://www.practicalmoneyskills.com/play
Biz Kids
Third Party Disclaimer
Third Party Disclaimer
This website includes links and pointers to Internet sites maintained by third parties. Wakota Federal Credit Union does not operate or control in any respect any information, products or services that third parties may provide on a website linked to www.wakotafcu.org.
The materials in this site and the third-party sites are provided “as is” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, Wakota Federal Credit Union disclaims all warranties, expressed or implied, including, but not limited to, implied warranties of merchant-ability and fitness for a particular purpose.
Wakota Federal Credit Union does not warrant that this website or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that this site or the servers that make it available, are free of viruses or other harmful components. Wakota Federal Credit Union does not warrant or make any representations regarding the use or the results of the use of the materials in this site or in third-party sites in terms of their correctness, accuracy timeliness, reliability or otherwise.
If you have questions about this policy, please contact us directly at 651-451-3330.