Home
CheckingSavingsMoney MarketTerm SavingsFor YOUthHoliday ClubIRAs
AutoCredit CardsPersonal Line of CreditPersonal Signature/Bill ConsolidationRecreational VehiclesSavings SecuredHoliday LoanStudent Loan
Auto and HomeLoan ProtectionDental and VisionAD&DGAPMBPMyInsuranceInfo
NGFCU Wealth Management
Loan RatesSavings Rates
Join NowOnline BankingDirect Deposit & Early PaydayZelle®ATM and Debit CardOverdraft Protectioncredit-builderAutomatic Funds TransferWire TransferCredit & Debit Card AlertsNCUA Insurance (NCUSIF)Auto Buying ServicesCall 24Need HelpLiving Trusts and Estate PlanningRefer a Friend

Financial Checkup

Home > Financial Fitness > Financial Checkup
Home > Financial Fitness > Financial Checkup

Start the new year off right with a financial checkup

It's the free and easy way to improve your finances.

* Required Fields

Financial Checkup Consultation

Send the form below to receive a free, no-obligation financial checkup.

You are being asked for information relating to scheduling a consultation. Information you provide will be used for that purpose and will not be sold to other parties.

If you would prefer to speak to an NGFCU agent, call 800.633.2848. Agents are available 24/7.

Security Code:

A New Year means a fresh start. Begin your year productively with new financial goals. Everyone can improve on their financial wellness, but we don’t always know how. What is financial wellness? Financial wellness refers to an individual’s overall financial health and your relationship with money.

Here are 8 ways to promote a healthier financial lifestyle:

  1. Set and commit to a budget. Write down all your monthly expenses and compare it to your income. This is an easy way to know exactly how much money you have left over each month for savings.
  2. Save money consistently.  Most financial institutions allow you to easily set up automatic monthly withdrawals from a checking account to an account created strictly for savings. Try and put a set amount into an account that typically has a higher return rate such as a Money Market account.
  3. Setup an Emergency Fund. Ideally you want to have 3-6 months of expenses set aside for emergencies, but that is not realistic for many of us. To start, saving just one month of expenses is easier to do, yet still makes a big difference.
  4. Know the due dates of bills. Set up automatic payments so you never miss a bill or get penalized with a late payment fee. Get used to tracking your bills as well so you know how much you need each month to pay these off. Be confident with your finances and make sure you have enough funds to pay off your charges.
  5. Set up alerts in your accounts. No one likes to pay overdraft fees on their accounts. That’s why many financial institutions let you set account alerts to notify you when your balance is getting low. This alerts you to take steps and avoid unwanted charges.
  6. Set up Card Alerts. Most of us have a harder time managing money when it all goes to a piece of plastic. Many financial institutions have card controls to set spending limits or gives you notifications when you spend above a certain amount. Paying cash or never spending more than what you have saved in your account helps as well.
  7. Pay off debts in small bites. If you have a lot of debt, start with the smallest amounts first. Tackling smaller debt first will give you confidence for the larger balances. Typically, you can consolidate most debt into one bill as well which can reduce the amount you spend on your overall interest rates.
  8. Avoid paying only the interest on your bills. If you are paying only interest on your bills, the borrowed amount itself will never get smaller. Try and pay as much of your bill as you can, including paying down the balance.

Important Numbers

Member Services: 800.633.2848 (available 24/7)

Credit & Debit Card Member Services: 800.633.2848 ext 4856 (available 24/7)

Credit Card Lost or Stolen: 866.839.3485
For International Calls: 727.570.4881

Debit Card Lost or Stolen: 800.754.4128
For International Calls: 727.227.9012

Credit Card Activation: 800.456.6870

Debit Card Activation: 855.485.7043

Members traveling or who reside outside of the US: 727.227.2447

Routing #322276088