Learning Hub

Debt can be overwhelming. Learn how to stay ahead of your loan payments and prevent financial stress.

Using credit cards wisely can help you with your financial goals. Explore how with these recommendations.

A specific process must occur to properly settle a loved one’s estate. Review our overview of the estate settlement process in North Carolina and glossary of terms.

Calculate your 401(k) trajectory.

Stay safe at our CashPoints® ATMs with these top security tips.

Use our adjustable-rate mortgage calculator to see whether it's the right mortgage type for you.

Determine if you should transfer your credit card balance.

Use our tool to accurately balance your checking account.

Looking for a new or used vehicle? With our step-by-step car buyer's guide, understand the car-buying process and your auto loan financing options.

Use our calculator to estimate your closing costs, which usually cover fees related to the origination and underwriting of a loan, real estate commissions, insurance, property taxes, and transaction recording costs.

Use our calculator to see where you stand financially.

Analyze your loan payment.

Use our calculator to see what your mortgage payment might look like.

Use our calculator to see what your vehicle payment might look like.

Planning to travel abroad? We’ve compiled a cardholder travel checklist, including how to set up a Travel Notice with SECU. Follow these tips to prepare for your next trip.

Charity scammers pressure for immediate donations using untraceable methods. To protect yourself, always research charities and avoid paying with cash, wire transfers, or gift cards.

Use our calculator to compare monthly payments by auto loan term.

Compare mortgages to determine which one you should choose.

As you determine which vehicle to buy and which loan terms to choose, the choices you make can have a significant impact on your monthly payment. Use our calculator to help you evaluate your options.

Use our calculator to compare mortgage payment schedules.

Determine if you should consolidate debt with a home equity loan.

Budgeting can be especially difficult when finances are tight. Follow our guide to save even when it’s not easy.

Guard against identity threats by helping protect children’s credit, identity, and sensitive personal information.

Determine if you should consolidate your debt.

Use our calculator to assess your debt-to-income ratio, which is the percentage of your gross income used to cover your mortgage and other debt payments.

Use our calculator to analyze the impact of your down payment amount.

Explore valuable insights and practical tips on improving and maintaining your FICO Score and credit health.

Determine your Social Security benefits.

Phishing scammers impersonate financial institutions to steal personal information. Protect yourself by learning how and when SECU will contact you.

Understand how lenders evaluate credit scores, and follow these proven steps to improve your credit over time.

Learn how to budget, reduce debt, and more with our guide to beginning your savings journey.

Protect yourself against identify theft with this guide.

Calculate your monthly fuel savings based on your current miles per gallon, miles driven per month, and cost of fuel.

Scammers pretend to be distressed grandchildren to trick grandparents into sending money. Learn how to protect yourself from these scams.

Checking your credit report once a year before a major purchase or life change is a key part of financial planning. Follow our credit report guide to learn your rights and how to fix errors.

Looking for tax services? We offer a variety of planning and filing resources to guide you through each step of tax completion.

A Trust legally allows you to specify how, when, and to whom your assets will be distributed. Learn about the different kinds of Trusts and which you might need.

Curious how to get the most out of your home's equity? SECU loan specialists compare the benefits of HELOCs and cash-out refinances to help you choose the right fit.

Scammers exploit events like Medicare open enrollment to trick people into sharing personal information. Learn how to verify unsolicited requests and spread awareness to prevent these scams.

Compare the costs between a health savings account and traditional health plan.

Your ability to obtain a loan for a new home purchase is based on a number of factors. Use our calculator to evaluate home affordability by lending ratios.

Analyze the payoff comparison between a home equity loan and line of credit.

Home repair scammers often take money without completing the work. To avoid being scammed, research contractors, get multiple estimates, and never pay by cash or wire transfer.

Analyze your household spend with our household cash flow tracker.

Learn more about the probate process and how it can affect your estate plan.

Assess how long it will take you to pay off a credit card balance.

Find out how long your retirement savings will last.

Categorize and calculate your spending.

Make a plan for every dollar. We’ll break down the step-by-step process of creating a purposeful spending plan that can help you reach your goals.

Learn how to spot scams and robocalls, and follow our tips to protect your personal and financial information.

Understand the techniques used to steal personal information and follow our tips to protect yourself from financial fraud.

Looking to lower your monthly mortgage payments or tap into your home's equity? Read our step-by-step guide to refinancing your mortgage.

Shop safely this holiday season by staying alert to fraudulent offers, scam messages, and deals that are too good to be true.

Protect your SECU accounts from unwanted transactions by locking your debit card and credit card in the SECU Mobile App.

Pay off your loan faster by increasing your monthly payment.

Scammers trick people into fake investments by promising high returns with low risks. Verify credentials and documentation before investing to avoid scams.

Determine your monthly payment based on the loan amount.

Find out which type of auto loan will save you more money.

Find out how bi-weekly payments could accelerate your loan payoff.

Calculate how you can meet your debt payoff goal.

Scammers may offer jobs or prizes online, then send fraudulent checks and ask you to transfer money. This makes you a “money mule.” Learn how to protect yourself from these scams.

Scammers offer fake loans, ask for your account information, and instruct you to send money. To protect yourself, research lenders, avoid upfront payments, and keep your account information private.

Learn about current security threats you should be aware of and how to protect against them.

Protect yourself against identity fraud, theft, and other scams with these tips.

Analyze home equity or line of credit payoff scenarios.

Enjoy sending or receiving money with friends on Zelle, Venmo, or other P2P payment apps? We have some tips to keep your transactions safe.

Learn about the FlexIRA from SECU Trust Services through Members Trust Company (MTC).

Use our calculator to estimate how much your home sale will yield.

Discover how ID Navigator Powered by NortonLifeLock can keep you informed of potential identity threats.

Use our calculator to evaluate how leasing or buying a car can impact your monthly payment.

Calculate your health savings account goal.

Abuse, neglect, and financial exploitation of adults are rising. Understand how to recognize the red flags to help protect your loved ones.

Use our calculator to compare the cumulative costs of renting and buying.

Determine the monthly income your retirement savings will provide.

SECU offers holistic retirement planning at no additional cost to members. Follow our guide to calculate your retirement readiness.

Scammers use fake dating profiles to quickly ask for money. Learn how to verify their identity and report this type of scam to protect yourself and others.

Calculate how you can save to reach a goal.

Determine how much you need to save for a college education.

Understand how much to save for retirement.

Determine how much you need for your emergency fund.

Use our calculator to determine if you should save or pay off debt first.

Find out how to save to be a millionaire.

Use our calculator to help count your spare change.

Scammers claim your computer is infected, urging you to call them. They aim to steal your information or install malware. To protect yourself, avoid contact and report if scammed.

Find out the share of your home that you own versus what you owe on your mortgage.

Analyze the long-term impact of saving more.

The decision to refinance a home mortgage can involve many factors. Use our calculator to help determine if you should refinance.

Learn about the process of applying for financial aid and stay on top of deadlines with our helpful guide.

Considering a lump sum payment? Calculate what it could save you.

Find out how you can use home equity for a major purchase.

The purchase price of the vehicle you can afford is based on several factors. Use our calculator to determine vehicle affordability by loan term.

A guardian may be appointed by the court to act on your behalf. Learn more about what guardianship is and how it works.

A Power of Attorney (POA) allows you to appoint an agent or attorney-in-fact to act on your behalf in legal matters. Learn more about types of POAs.

Learn more about what a credit union is, how it operates, and how members may benefit.

Learn how a Revocable Living Trust allows you to specify how your assets should be handled during your lifetime, as well as how they are distributed upon your death.

Open a Special Needs Trust to financially assist a loved one with special needs without disqualifying them from needs-based public assistance.

Learn more about detailing how assets will be transferred and avoiding probate with Will Substitutes.

Advance Health Care Directives can be used to make your wishes known and appoint a health care agent to make medical decisions. Discover which you may need.

Scammers use robocalls and fake caller IDs to sell illegally. Learn how to protect yourself from these scams by using call-blocking services.

When a loved one dies, the last thing you want is a complicated process. Know what’s next with these simplified steps.

If you become a victim of a scam, follow these steps to protect your personal information and wellbeing.

Learn about identity theft tactics, what thieves do with a stolen identity, and what you can do if you become a victim of identity theft.

There are many ways to pay for college. Learn about the difference between subsidized and unsubsidized student loans.

Find out how much your savings will be worth in the future.

Learn about what a Will is and why it’s an important part of an estate plan.

When should you refinance your home loan, and is it the right move for you? Our SECU mortgage specialists guide you through the decision-making process.

Scammers offer fake work-from-home opportunities, asking for money or personal information. To protect yourself, research thoroughly, never pay upfront, and share this warning with others.

Scammers claim you’ve won a prize but ask for upfront fees or personal information. Learn what you can do to protect yourself from these scams.