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Financial Wellness Month: Tools for a Prosperous Financial Future

Financial Wellness Month

Tools for a Prosperous Financial Future

| 2 min read

Did you know that 77% of Americans feel anxious about their financial situation1? So, if you often find yourself stressing about money, you are not alone.  

January is Financial Wellness Month. As your financial institution, we are committed to helping you build your financial skills and confidence to leave financial anxiety behind.  

Here are some free tools and resources offered by Vantage West Credit Union that can help you build a prosperous financial future for you and your family. 

Financial Coaching 

Your financial journey is unique to your personal circumstances, and we know that there is not a financial path and solution that will work for everyone. You deserve a path towards financial wellness that is tailored specifically to you. Enter our Financial Coaches. 

Vantage West Financial Coaches offer personalized coaching that helps you set goals, overcome challenges, and achieve financial freedom, no matter where you are on your financial journey. Whether you want to proactively save for a bright financial future or get back on track with your emergency fund, you can benefit from our financial coaching program. 

Plus, eligible Members that participate in our financial coaching program can earn both a $250 savings bonus dividend2 and a 0.50% APR one-time loan discount3. 

Financial coaching is free for Vantage West Members! Learn more and schedule a consultation. 

Financial Wellness Workshops 

Perfect for school groups, companies, departments, nonprofit organizations, and more, our financial wellness workshops feature impactful financial education in a group setting. 

Participants are encouraged to analyze the ways they think about their finances and will learn simple and effective ways to build healthy financial habits.  

Our financial wellness workshops are free of charge! Request a financial wellness workshop for your group. 

Interactive Guides and Worksheets 

Work better on your own? We offer a variety of interactive guides and worksheets for free that can help you work towards a number of goals, including: 

  • Building your savings 
  • Staying caught up on bills 
  • Improving your credit score 
  • Lowering your debt   

Download or print these documents from our Financial Wellness webpage. 

Emergency Resources 

If you need immediate financial assistance, there are several local organizations ready to help. You don’t have to go it alone. We list many of these resources on our website, including local food banks, eviction prevention, move-in assistance, utility assistance, housing repair referrals, and more. Find these resources near the bottom of our Financial Wellness webpage. 

Feeling lost in your financial journey or excited about planting the seeds to create a bright financial future, and don’t know where to start? We recommend setting up a consultation with one of our Financial Coaches. They will listen to your needs with compassion and understanding, and help you find the resources and tools that will best fit your current situation.  

Remember that while your financial journey is unique, you don’t have to feel alone! Our team is ready to help you in whatever capacity you need. What matters to us is that you reach the level of financial wellness that you deserve. 

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Disclosures

1 https://www.capitalone.com/about/newsroom/mind-over-money-survey/ 

2Must be an active participant in Vantage West’s Financial Wellness Program. Must have completed a minimum of four (4) appointments with your assigned financial coach over a six (6) month period, have an established budget with your financial coach and participate in a minimum of three (3) survey and feedback sessions related to the Financial Wellness. A minimum balance of $1000.00 must be in your account at the completion of the sixth month, with no delinquent loans or negative accounts, to be eligible. Must be 18 years of age or older to participate. Account must be in good standing at time of the dividend bonus deposit. The savings dividend bonus will be deposited to your regular share account within 30 days of completion. The account must remain open for at least 6 months after the dividend bonus is deposited. If the account is closed within the 6 months of the dividend bonus deposit, the account may be debited the amount of the bonus paid. The $250.00 is considered a bonus and is subject to IRS reporting. The participant receiving the dividend bonus is responsible for any applicable taxes. Participant must be primary on the account to qualify for the dividend bonus. Limit one (1) dividend bonus per member. The dividend bonus incentive cannot be combined with other offers outside the Financial Wellness Program.

3Must be an active participant in Vantage West’s Financial Wellness Program. Must have completed a minimum of four (4) appointments with your assigned financial coach over a six (6) month period, have an established budget with your financial coach and participate in a minimum of three (3) survey and feedback sessions related to the Financial Wellness. Must be 18 years of age or older to participate. Participant must be primary on the account of the loan funding to utilize the discount. Limit one (1) loan discount per member. Loan discount of 0.50% APR must be asked for at the time of application and is only available on the first loan funding. Loan application must be completed with a Relationship Banker at a branch to be eligible for the discount. The discount is applicable to personal loans or auto loans only. Credit cards are excluded and not eligible for the discount. Existing loans are not eligible for the discount. The loan discount cannot be combined with other offers outside the Financial Wellness Program. Financial Wellness participants are subject to standard underwriting guidelines and participation in the Program does not guarantee loan approval. Accounts must be in good standing to be eligible for the rate discount. All loans, products and services are subject to approval. Certain restrictions may apply. The Vantage West Financial Wellness Program conditions, and benefits are subject to change without notice.  Must be an active participant in Vantage West’s Financial Wellness Program. Must have completed a minimum of four (4) appointments with your assigned financial coach over a six (6) month period, have an established budget with your financial coach and participate in a minimum of three (3) survey and feedback sessions related to the Financial Wellness. Must be 18 years of age or older to participate. Participant must be primary on the account of the loan funding to utilize the discount. Limit one (1) loan discount per member. Loan discount of 0.50% APR must be asked for at the time of application and is only available on the first loan funding. Loan application must be completed with a Relationship Banker at a branch to be eligible for the discount. The discount is applicable to personal loans or auto loans only. Credit cards are excluded and not eligible for the discount. Existing loans are not eligible for the discount. The loan discount cannot be combined with other offers outside the Financial Wellness Program. Financial Wellness participants are subject to standard underwriting guidelines and participation in the Program does not guarantee loan approval. Accounts must be in good standing to be eligible for the rate discount. All loans, products and services are subject to approval. Certain restrictions may apply. The Vantage West Financial Wellness Program conditions, and benefits are subject to change without notice. 

 

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APY(s) = Annual percentage yield(s). Offer subject to change without notice. Subject to approval. Certain restrictions may apply. Federally insured by NCUA.