Money Management

Money Management

Money management involves tracking expenses, budgeting, saving and more. Many people do not know where to begin with this process, but Heartland FCU is here to help. We have Certified Financial Counselors with the skills and knowledge required to guide you to financial security. We also provide counseling to individuals and families who are experiencing debt or other financial concerns – or who just want to get a better handle on their finances. We provide services like:

  • setting and reaching financial goals
  • financial education
  • budgeting
  • analyzing your credit report
  • starting or building a savings plan
  • building or rebuilding credit
  • restructuring debt
  • getting away from payday lenders

How Bad is Debt?

Debt can have lots of negative impacts on many aspects of your life. 31% of people say they worry about debt in general. Paying down debt may reduce rates you pay on future loans. Look at these examples below to see how much you could save in interest payments.

* APR=Annual Percentage Rate. Rates are example only and do not reflect actual rates. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.

Financial Counseling

Trinity Debt Management

For more information, call 800.793.9049.

Heartland FCU also works with Trinity Debt Management, a trusted nonprofit counseling and debt management company. They work with your unsecured debt holders to establish monthly payment arrangements that may:

  • combine your payments into one convenient monthly payment
  • lower your interest rate
  • eliminate late and over-limit fees and collection calls
  • pay off debt faster

REACH Financial Success Education Program

Heartland FCU is committed to helping our members and their families REACH their dreams through innovative financial solutions.

Our REACH Financial Success Program is a free benefit, providing interactive financial education modules that are short and easy to understand. The training provides information on critical topics to increase financial knowledge, giving members the resources to plan for their future.

Below are some interactive learning experiences – you’ll see other topics throughout this Web site. Or click Get Started to see all the learning experiences we offer.


REACH Financial Success Education

Creating a Budget

Only about one third of American’s create and maintain a budget – are you one of them? A budget can help you stay on top of your finances by helping you plan where your money will go instead of wondering where it went. This short, interactive financial education will teach you to:

  • Identify your income sources as well as your expenses
  • Create a new budget or reevaluate an existing one
  • Apply strategies to monitor your spending and stick to your budget

REACH Financial Success Education

Healthy Financial Habits

It’s common to feel overwhelmed by your financial situation but there are steps you can take to build your confidence. Explores some healthy habits that can benefit you financially and put on the path to success. This short, interactive financial education will teach you more about:

  • Saving and spending wisely
  • Understanding how to manage debt
  • Knowing when and how to ask for help

REACH Financial Success Education

Debt Management

Approximately 80% of American are in debt – but debt is not always a bad thing! Credit cards, student loans, and mortgages are all examples of debt. This short, interactive financial education will teach you to make a plan to manage your debt, with insights around:

  • How to determine how much debt is too much
  • How to calculate your debt-to-income ratio
  • Different strategies to help you pay down debt


HELPING ... PROTECTING ... INFORMING - COVID-19 Update: Emergency financial assistance is available for members. Branch lobbies are open. Some Shared Branch locations may not be available. If you would like to make an appointment, click to our COVID-19 Resource Page.Learn more about our response to COVID-19
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