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Getting Smart About Money & Credit: Online Financial Literacy

TOPCU is here to help you become smart about money and give you the tools to manage your financial life.
Federally insured by NCUA

How to Save

How to Save

How to SaveBuilding Your Savings Developing a regular savings plan can feel insurmountable. It always seems that your paycheck disappears as quickly as you get it. Designing a budget that pays you first is your first step in ensuring your paycheck doesn’t disappear...

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Your Credit Score

Your Credit Score

Your Credit ScoreYour Credit Score Multiple factors are considered in determining your credit score. While each version of your score is a little different, the most common formulas are determined with the following:   Payment History – 35% Credit Utilization –...

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You Really Need a Budget

You Really Need a Budget

You Really Need a BudgetThere’s a good chance you have some kind of budget for your expenses. In 2019, Debt.com found 2 in 3 Americans had their family on a budget and only 25 percent of respondents said everyone should budget. But how often are you budgeting past...

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