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Helpful resources to help you master your money.

GreenPath

Financial Wellness

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!

Click here to access past recorded webinars from a wide-range of personal finance topics! Check out the upcoming webinars as well.
Click here to access all the online classes available for FREE! You simply download the course and take it at your own pace. Topics range from Home Buying to Financial Freedom.
Click here to read stories, discussions, and informational articles that work for real people, living real lives.

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

Free Online Calculators

Run the numbers.

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
Loan Calculator

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Share Insurance Estimator
Your savings are insured by the NCUA up to $250,000 per person. You have up to $500,000 coverage on a joint account. Retirement savings are insured separately, with up to $250,000 per person as well.
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.

In addition to member discounts, LoveMyCreditUnion.org has a resource center with lots of free financial advice.
Wakota Federal Credit Union will never ask you for your card number, account number, PIN or any other personal information via a text, email or phone call. Should anyone contact you and ask you to ‘confirm’ this personal information, do not respond.
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
Cancel your credit cards. Report any missing debit cards as well. Emergency phone numbers should appear on your financial statements. To report a lost Wakota DEBIT card, call 1-800-535-8440. To report a lost CREDIT card, call 1-800-558-3424.

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.

MyCreditUnion.gov
The Office of Consumer Protection, the National Credit Union Administration’s office dedicated to protecting the rights of consumers launched MyCreditUnion.gov to help resolve member complaints and promote financial literacy.

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

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