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7 Steps to a Mid-Year Financial Checkup

Take a timeout from barbecues and beaches to give yourself a mid-year financial checkup using seven simple steps.

Start Your Checkup

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Featured Articles

6 Senior Discounts You May Not Know About

3/1/2021

One of the many perks of advancing in years is scoring great deals on all kinds of purchases and expenses. Here are six places you may not already know about where older adults can save big money.

Start Saving

Beware of Coronavirus Scams

3/31/2020

Scammers are notorious for capitalizing on fear, and the coronavirus outbreak is no exception. Here’s all you need to know about coronavirus-related scams.

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October 2021 Newsletter

10/1/2021

In this newsletter: SCCU sponsors the Blevins Boutique, a care closet at Soddy Daisy Middle School; how to skip a loan payment; low credit card rates; and more!

Read Newsletter

How to Use Your Stimulus Check

4/6/2020

If you are expecting a stimulus check, you may be unsure how to best use the money you receive. This will depend on your unique situation. But in general, here are five areas to prioritize.

SCCU is rated a 5-star institution by Bauer Financial.

SCCU is Rated 5 Stars by Bauer

6/27/19

SCCU is rated a 5-star institution by Bauer Financial, an independent organization. This means your financial institution is stable and secure - for you.

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Build Credit Without Credit Cards

1/1/2019

It's a frustrating contradiction: You can't qualify for credit without a credit history—and you can't build a credit history without borrowing. Here's how you can get around that conundrum and start building credit.

Woman using a calculator.

Free Downloadable Budget Worksheet

11/18/19

Setting a budget is a great way to relieve uncertainty and stress while also helping you figure out how to meet both your short-term and long-term financial goals. Getting started can be daunting, but we've got a free, fillable worksheet to get you started.

Get the Worksheet

What Will Happen to My Loved One's Finances After They Die?

3/19/21

The state of your relative’s finances after their death will vary based on the steps they had taken while they were alive. Here’s what you need to know about what happens to someone’s financial accounts, debts and more when they die.

Spend & Budget

5 Resolutions to Trim Spending in the New Year

1/1/2019

With the new year approaching, now is the perfect time to make a resolution to save more money. These five tips will help you trim spending, beef up savings, and reduce stress.

Woman using a calculator.

Free Downloadable Budget Worksheet

11/18/19

Setting a budget is a great way to relieve uncertainty and stress while also helping you figure out how to meet both your short-term and long-term financial goals. Getting started can be daunting, but we've got a free, fillable worksheet to get you going.

Get the Worksheet

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"Two-Dos" for Financial Health

1/6/2020

Here are two simple steps you can take to get your finances where you want them.

Save & Invest

Family of three.

Saving Practices Made Easy

1/1/2019

It's easy to postpone starting to save for a later day, but a solid plan is key to success. By following some basic guidelines, you're more likely to achieve financial security.

Older couple works on finances.

3 Ways to Boost Your Savings

2/25/19

What does “saving the extra” mean to you? Whether it is putting change in a piggy bank or moving everything not in the budget into savings, those three little words can mean big money down the road. This America Saves Week, try one (or all) of these three ways to save the extra.

Father and daughter play with bubbles.

6 Ways to Save as a Family

3/2/19

Meeting financial goals as a family can be challenging. But inspiring your family to help and contribute to a financial goal doesn’t have to be a painful process, especially when the result is an exciting family vacation, a new family car, or college savings. In the spirit of America Saves Week, here are 6 ideas on how to save as a family for all those items and bucket-list experiences.

Loans & Credit

Student smiling on the street.

Build Credit Without Credit Cards

1/1/2019

It's a frustrating contradiction: You can't qualify for credit without a credit history—and you can't build a credit history without borrowing. Here's how you can get around that conundrum and start building credit.

Father and daughter play with bubbles.

"Two-Dos" for Financial Health

1/6/2020

Here are two simple steps you can take right now to get your finances where you want them.

Paying for College Responsibly

1/13/2020

When you’re planning for college, the first question is often which school to choose. But equally as important is the question of how you’ll pay for it. That’s why we’ve partnered with Sallie Mae® to bring you their 1‑2‑3 approach to paying for college. These three steps can help you make more informed, responsible financial decisions for a big investment in your future.

Retirement

Older couple on boat.

4 Misconceptions About IRA Conversions

1/1/2019

Some people think that high-income earners aren't eligible for a Roth IRA (individual retirement account). This is not true. There was an income cap for conversions in the past, but that was removed and now anyone can convert a traditional IRA to a Roth IRA, regardless of income.

Here are four other misconceptions about Roth IRA conversions.

Housing

Apartment living room.

Affording Your First Apartment

1/1/2019

Getting your first apartment is one of the big milestones in a young adult’s life. It can also be a little frightening since you don’t know exactly how much money you’ll need to get by. But if you follow these easy tips, getting and thriving in your apartment will be a breeze.

A couple gets ready to renovate their home.

Updates to Add Value to Your Home

6/14/19

There are a lot of reasons you may want to sell your home. Maybe your family has outgrown it. Maybe your last child is going off to college and it is just too much, now that you are empty nesters. Maybe a job change is requiring relocation. No matter the reason, preparing your home to fetch the highest price can be a daunting task. With the help of HGTV, we've put together the list of the upgrades sure to get the best return on your investment.

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Community Involvement

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Home Equity Line of Credit