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Programs & Resources

One Source Educational Resources

CommonWealth One offers online financial resources to help you manage your money, and your life, easier.

Articles

  • How to Ask For a Raise -- Asking for a raise can be anxiety-inducing, but that one conversation can also mean having more money left over at the end of the month. Here are one expert's tips on how to best make the case.
  • 3 Good Reasons to Buy a Stock -- Tips on how to create a balanced portfolio that's not too much of a risk, but still has opportunity for long-term growth.
  • 7 Ways to Ready Your Finances For Divorce -- Untangling two people’s money is messy. Long before spousal or child support is awarded or your post-divorce budget is in place, you’ll need to prepare your finances for the work ahead.
  • Money Hacks For Real People -- Not every hack requires an accountant. Some can spur you to save more money for retirement or help you to pay bills on time every time. Any of these tips can be a do-it-yourself hack that makes your financial life easier.
  • When Your Emergency Fund Runs Out -- When this happens, don't make a desperate decision like raiding your retirement fund or taking out a bad loan. Follow these tips instead.
  • 4 Keys to Successful Debt Consolidation -- Consolidating all your debt into one payment can feel much more manageable. Before you cut up those cards or freeze them in a block of ice, read these tips.
  • How to Save Money on Last-Minute Flights -- Sometimes, you don’t have the luxury of advance notice. Here’s how to find cheap last-minute flights, whether you’re traveling for a family emergency, a business trip on short notice or a spontaneous escape.
  • Are You Financially Healthy? -- FInancial literacy and financial health are two different things. See if your finances stand up to these criteria, and learn what you can do to improve.
  • Defending Yourself Against Identity Theft - As technology advances, you can be sure that identity thieves are not far behind. Here are some common methods cyberthieves use to steal your personal information and how you can increase your security while shopping or banking.
  • How Much Should You Have For a Car Down Payment? - While the ads for "Zero Down!" may be tempting, here are several reasons why even a small down payment can benefit you in the long run.
  • How to Improve Your Credit Score - Here are some simple steps you can take to improve your credit score.
     
  • A Zero Percent Loan might not be your Best Deal - Here are a few things to consider about 0% financing and why it might not be in your best interest to use it.
     
  • 4 Reasons to Buy a Home (Instead of Renting) - If you’re sitting on the fence, here are four circumstances in which it may be a better bet to buy.
     
  • The Best Ways to Use Your Tax Refund - It's not as much fun as booking a trip to the Caribbean, but cutting down the amount of debt you owe is one of the best money moves you can make. Here are other ways you can put that windfall to good use!
     
  • How to Give Your Finances a Spring Cleaning - Spring is a good time to comb through your personal finances and ensure that you’re managing your budget, credit cards, investments and insurance in the best possible way.
     
  • 10 Terms Every Homebuyer Should Know - Buying a house is a common undertaking for many Americans, but it’s also one of the most complicated — not to mention costly — purchases adults will ever make. It’s important to understand these 10 essential terms.
     
  • Getting Hitched Doesn't Need to Mean Marrying Finances - With money arguments being one of the leading causes of failed marriages, combining finances can be scary. For some couples it’s the right approach, but there are several other options.
     
  • Why You Should Get Preapproved for a Car Loan - When you’re preapproved for a loan, you have the competitive edge in car-buying. You can say no until they say yes.
     
  • How to Build a CD Ladder - If you’re looking to earn the highest possible yield on your investments without sacrificing the safety of government backed insurance, certificates of deposit are one way to go.
     
  • Savings 101: What is a Share Certificate? - Of the many savings products credit unions provide, share certificates offer a higher-yielding but still safe way to invest money for a set period of time. 
     
  • How to Save for Your Child's College Education - You can get ahead of those rising costs by starting to save when your children are very young. Here's how.
     
  • Using Equity Loans to Winterize Your Home - Some improvements to make your home energy efficient, like new windows or a new furnace, are beyond the skill set of most homeowners, and often beyond the balances in many savings accounts. In those cases, taking out a home equity loan or line of credit may be the answer. 
     
  • 6 Ways to Save More Money - Even if saving has never been your thing and money is tight, the coming of a new year is an opportunity to change old financial habits. Here are some ways to become a more efficient saver.
     
  • Organizing Your Finances for the New Year - A new year brings a chance to start fresh with just about anything. If your midnight toast includes a resolution to improve your financial health, here's how to make it happen.

Financial Education Seminars

CommonWealth One is committed to educating our members and the communities we serve, which is why we offer a variety of free financial seminars. 

Financial Counseling & Assistance

As a credit union benefit, we offer your Sponsor Group members free, confidential Financial Counseling Services.

In The Know Website

"In The Know" is a new online personal financial microsite with a wealth of resources to provide our younger members in high school and college with the knowledge and tools needed for their financial success.  And the best part yet, it's not boring financial information!  

SavvyMoney: Debt Analysis Tool

Finances can be a challenging and sensitive topic, especially if you need a little extra help.  That's what SavvyMoney is for.  It enables you to get a clear picture on your finances anonymously and securely.