The Cooperative Trust

Did you know that today is "I love my credit union" day? Join the fun by sharing your stories about why you love your credit union and using the hashtag #ILoveMyCreditUnion. We LOVE credit unions at the cooperative trust for so many reasons, but our #1 reason is that credit unions continue to strive to solve some of the world's biggest problems. Are we perfect - no - but we are a collective, and together, we will continue to work together to bring financial access to all. We hope to see everyone in the #CrasherFam sharing their #creditunion stories today. Shout out to the Illinois Credit Union League for spreading the power of credit unions far and wide 🎉 

Understanding the nuances of credit cards, credit reports, and credit scores is crucial for making smart financial choices and achieving your long-term goals. Once you understand your credit standing (as in, whether or not you have good credit, bad credit, or a non-existent credit if you’re just starting out) you can explore the card that matches with your financial goals and lifestyle. You can opt for: 💳A low-interest card 💳A “secured” card, which requires putting cash down up front 💳A rewards card 💳Other cards good for your situation, whether you’re a student, a frequent traveler, and so much more. Once you choose the features and benefits you want, from there, it’s all up to how YOU manage your new card. (Which is exactly why we also break down how to make timely payments, and how to avoid excessive debt!) Join us on CIRCLE for this week’s #FinancialEd newsletter! ➡️ https://ow.ly/2E8Q50Su2K6

Did you know that credit unions have better rates on credit cards than banks do? Yep. Depending on the balance you carry, you could save hundreds of dollars a year. We dish on the basics. Join us on CIRCLE for this week’s #FinancialEd newsletter PLUS more Her Money Content! ➡️ https://ow.ly/2E8Q50Su2K6

Getting your first credit card is a monumental first step toward financial independence…but choosing the right one can be daunting. When it comes to choosing the best card for your credit journey, you’ve got to consider factors including: 💳Credit limits 📈Interest rates 💰Fees 🌴Rewards programs By evaluating these factors, your spending habits and financial goals, you can easily find the perfect card for you! Just keep in mind that your credit journey doesn’t end once you've chosen your first credit card — it’s just getting started! Building a strong credit history requires managing your first credit card wisely. You got this! Join us on CIRCLE for this week’s #FinancialEd newsletter! ➡️ https://ow.ly/2E8Q50Su2K6

Did you know you have multiple credit scores? It’s true. From your FICO score to your VantageScore, each scoring model assesses your creditworthiness differently… But what factors influence these scores, and how can you improve them? This week’s #FinancialEd article looks at: -The world of credit scoring -Tips for boosting your credit health -How to know the difference between a good score and a bad score -How a good credit score can unlock countless financial doors Don't let confusion hold you back— join CIRCLE to empower yourself with knowledge so you can reach all your financial goals! 🎯 ➡️ https://ow.ly/2E8Q50Su2K6

Inflation has our budgets stretched thinner than we may have ever seen before. It’s time we started making conscious changes — about where we want our money to go. Here’s how. Join us on CIRCLE for this week’s #FinancialEd newsletter PLUS more Her Money Content! ➡️ https://ow.ly/2E8Q50Su2K6

Building a good credit score takes time and patience, but we promise the rewards are well worth your efforts! This week, we’re sharing essential tips for improving your credit score📈and achieving financial success — because what do good credit scores vs. bad credit scores really mean, after all? From paying your bills on time every month (like credit cards), to managing your credit utilization, it’s time to build a solid credit history which can pave the way to better financial opportunities for a lifetime. Whether you're new to credit or looking to boost your score after taking a hit, join CIRCLE for valuable insights that can guide you every step of the way. ➡️ https://ow.ly/2E8Q50Su2K6

Don't let errors on your credit report hold you back! Whether it's a simple mistake or a case of identity theft, knowing how to spot and fix inaccuracies is key to maintaining a healthy credit score. In this week’s #FinancialEd newsletter, we take a look at: -The ins and outs of getting and reading your score -How to dispute errors with confidence -How to safeguard your financial reputation and ensure your score only grows in the years to come. Join CIRCLE to be equipped to tackle any challenges that come your way! ➡️ https://ow.ly/2E8Q50Su2K6

We LOVE this advice: If you’re shopping for a financial institution, make a list of what you need and what you want, exactly like a wish list. Then go out and try to find an institution that checks all of those boxes. (Hint: It might not be the place that has the most ads on television social media!) Join CIRCLE for this week’s #FinancialEd newsletter PLUS Her Money Content! ➡️ https://ow.ly/2E8Q50Su2K6

Unlock the mystery behind your credit report! Ever wondered what those numbers mean, or how they impact your financial future? Your credit score isn't just a number — it's your financial passport! From securing loans to renting an apartment, your credit score plays a crucial role in many aspects of your life. Thankfully, it’s easy to learn how to: -Decipher your credit report -Spot inaccuracies -Take proactive steps to safeguard your financial well-being. Check out this week’s #FinancialEd article to learn how you (and your awesome credit score) can pave the way to a brighter future!💳 Join us on CIRCLE for this week’s #FinancialEd Newsletter! 👉https://ow.ly/2E8Q50Su2K6