Frequently Asked Questions
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To establish good credit, you need a steady work record and continued residence at the same address. If you do not have a checking account, you can help to establish credit by opening one and being careful not to overdraw your account.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
- Explore options for easing financial stress and achieving financial goals.
- Discuss your credit and provide tips for improving your credit score.
- Look at student loan repayment options, including the pros and cons.
- Discuss debt repayment options.
- Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
- Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
- Explore options for easing financial stress and achieving financial goals.
- Discuss your credit and provide tips for improving your credit score.
- Look at student loan repayment options, including the pros and cons.
- Discuss debt repayment options.
- Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
- Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.
Cosigners lend their names and good credit histories to the maker. Should the maker die, lose a job, or otherwise fail to make payments, all responsibility for meeting the terms of the loan transfers to the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan appears on both the maker's and cosigner's credit reports.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
- Explore options for easing financial stress and achieving financial goals.
- Discuss your credit and provide tips for improving your credit score.
- Look at student loan repayment options, including the pros and cons.
- Discuss debt repayment options.
- Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
- Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.
It might be tempting to view your 401(k) as a source of emergency funds, but before you dip into your retirement account for cash, explore alternatives.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
- Explore options for easing financial stress and achieving financial goals.
- Discuss your credit and provide tips for improving your credit score.
- Look at student loan repayment options, including the pros and cons.
- Discuss debt repayment options.
- Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
- Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.
To make this decision, calculate your monthly payments and your total net cost. When you compare these amounts, you can determine which option is right for you.
TN Members 1st FCU partners with GreenPath Financial Wellness to provide members access to free money management and financial education services. Our partners at GreenPath Financial Wellness can:
-
Explore options for easing financial stress and achieving financial goals.
-
Discuss your credit and provide tips for improving your credit score.
-
Look at student loan repayment options, including the pros and cons.
-
Discuss debt repayment options.
-
Assist with housing issues, including purchasing a home, avoiding foreclosure, or reverse mortgages.
-
Provide you and your family with financial education, through online resources and tools.
Click here to learn more about our partnership with GreenPath.