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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

April is Youth Month!

2020 Theme: Money Magic!

MnCU Jr Financial Education App (ages 2-12)

MnCU Jr FInancial Education App, teaches simple money concepts through tools for kids to manage their money and financial games for ages 2 to 12. This is a FREE app for WFCU members. Just choose Wakota FCU when registering. 

Apple https://itunes.apple.com/us/app/mncu-jr/id1251018274?mt=8

Amazon: https://www.amazon.com/dp/B073655WQ4

Google/ Android: https://play.google.com/store/apps/details?id=com.htmobileapps.mncujr&hl=en

kid jumping on couch, stressed mom

Scholastic Learn at Home (PreK - Grade 9)

Scholastic Learn at Home

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.

https://www.mymoney.gov

https://www.mymoney.gov/Pages/for-teachers.aspx

https://www.mymoney.gov/Pages/for-youth.aspx

Practical Money Skills (Grades K-12)
Biz Kids
Biz Kid$ is a fun, half-hour TV series about kids, money, and business. Using a clever blend of entertainment and education, this series shows kids how to make and manage their own money by introducing concepts of financial literacy and entrepreneurship. The shows format includes a mix of real-life profiles, sketch comedy, animation, and off-beat characters, like the King of KaChing and Financial Genius, to keep the viewer engaged. Each episode maps to national standards for both financial literacy and entrepreneurship – hopefully it will inspire and encourage kids or anyone that can sit through an episode to make and manage their own money.
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.

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