FUNDamentals
When it comes to finances, education is one of the most powerful tools you can have in your metaphorical tool belt. And at America First, we believe that informed members make for stronger communities. Therefore, we present to you: FUNDamentals.
Each section below includes an instructional animated video, a handy infographic, a convenient handout and plenty of helpful words to inform you while entertaining you. These resources are here to help you better understand spending, saving, getting a loan and other financial subjects.
Click any of the topics below and discover how fun it can be to learn about money.
Are You Under 26?
Student savings accounts at America First are created exclusively for younger members and deliver better earnings on the money you deposit.
Good vs. Bad Spending
Not everything related to finances must be classified as "good" or "bad." Personalizing your spending and saving can help create a healthy financial lifestyle.
Common Money Beliefs
Are you an ostrich, a peacock, a crow or an owl? Discover your relationship with money by looking at the key traits of four different financial personality types.
Financial Institution Tutorial
Do you know the difference between a bank and a credit union? We compare and contrast these two types of financial institutions to help you decide which is right for you.
Buying a Used Car
Getting ready to purchase a car? Here are some tips on how to proceed. We'll discuss how to plan, get preapproved and find the vehicle that suits you and your needs.
Loan Basics
Understanding how loans work can make them seem less scary. Here are some loan types, terminology and tips to make you feel more confident when applying for one.
Budgeting Basics
You don't need a fortune-teller to figure out how to build your fortune. A well-thought-out budget will help prevent financial stress and increase spending abilities.
Emergency Fund Boot Camp
In case of injury, long-term illness, job loss or other sudden expenses, an emergency fund could be your safety net. Here is some advice on saving for the unexpected.
Organizing Your Finances
How long should you keep your receipts? Should you throw away appliance manuals? What about loan documents? Find out how to properly organize your paperwork.
Credit Score Breakdown
You've probably heard the term "credit score," thrown around, but what does it really mean? Discover how this number can affect your ability to get financing.
Comparing Cards
Not all magnetic strips or EMV chips are created equal. Learn the differences between credit cards, debit cards and prepaid debit cards when it comes to payment types.
Checking Accounts 101
Paper checks may not be as popular anymore, but understanding how a checking account works will help prevent missed payments and overdraft fees.
Demystifying Mortgages
Don't let terms like APR, principal and fixed-rate interest intimidate you. Learn to speak the language of mortgages to feel more confident when getting your home loan.
Student Loans 101
Education is priceless, but student loans can be costly. Discover the differences between federal and private financing—as well as what you'll have to do when it's time to pay them back.
Living on Your Own
Are you thinking of getting your own place? You might be surprised by the unexpected expenses that can pop up.
Intro to Insurance
If you don't understand how insurance works, you're not alone. Here's an informative guide to policies, premiums, compensation and more.
Foiling Identity Theft
Criminals are getting smarter every day. Follow these tips and make it harder for them to access and steal your financial data.
Cooperative Principles
All credit unions share ideals that help us better serve our members. Learn more about these standards and their history.
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